vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX  # XXXX XX/XX/year>2021 -- {$18000.00} XXXX  XXXX  # XXXX XX/XX/year>2021 -- {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681a 2 ( A ) ( i ). I believe the company is in clear violation of the law due to inaccurate reporting of late payments on my credit report.

According to 15 USC 1681a 2 ( A ) ( i ), accurate reporting is paramount to the fairness and transparency of the credit reporting system. Bureaus reporting of late payments is not only inaccurate but also damaging to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Subject : Final Legal Notice Failure to Honor Identity Theft Dispute, Legal Status, and UCC Claims To Whom It May Concern : This letter serves as my final formal dispute and notice of your non-compliance under 15 U.S. Code 1692 ( FDCPA ) and 15 U.S. Code 1681 ( FCRA ).

I have disputed these accounts more than ten ( 10 ) times, submitted all required and additional legal documents, and provided evidence of identity theft, including : FTC Identity Theft Report UCC1 Financing Statement UCC11 Search Record Remittance audits Proof of sovereign status and legal separation from corporate debt claims Despite my repeated attempts and lawful submissions, your bureau has willfully ignored my legal status, failed to honor the evidence provided, and continued to report fraudulent, inaccurate, and unverified information on my credit file.

Your Actions Are Illegal and Corrupt You are knowingly engaging in : False credit reporting Deceptive business practices Violations of federal law Civil rights infringement through denial of status recognition Let it be known that your company is now subject to audit, investigation, and legal remedy for your continued refusal to comply with federal regulations and failure to correct these knowingly false reports.

You Are Now Liable If this matter is not corrected within 15 days of receipt of this letter, I will proceed with : 1. Filing formal complaints with the CFPB, FTC, Attorney General, and XXXX. 


2. Initiating civil action in federal court for damages under FDCPA and FCRA.

3. Seeking that your bureau be fined and penalized for willful noncompliance.

Sincerely Unincorporated & Executor XXXX XXXX XXXX All Rights Reserved UCC1-308 Without Prejudice All good faith P.S. I already told you folks I'm not consumer and I'm an executor. Your business don't want to follow the laws that was here or the constitution set in place. I'm not part of y'all jurisdiction, I'm a moor, indigenous and sovereign. Your policies isn't laws. I'm doing audited on your business establishment when you illegally using my personal information and it's against the law. It's considered identity theft. Your business haven't sent no proof of the validation of the debt and investigating who was paying or using my info. This isn't proper investigating. I'm not a corporation and your business isn't allow to use my name in all caps and I'm a living natural being. I reclaimed my identify, I have a trust and estate. Nobody allow to use my info unless I assign them fudiarcy of my finances and I didn't consent in writing. I see why your business keep on getting sued. Do your jobs or face the consequences.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: VI

Complaint narrative:
I have requested to change Income Driven Repayment adjustment due to the SAVE forbearance not counting towards Public Service Loan Forgivingness. An application was submitted to recertify XX/XX/XXXX. I followed up on XX/XX/XXXX was informed my application has been received. No information was given on a set time to process my Income Driven Repayment application. The company requested proof of income in XX/XX/XXXX which was submitted immediately via the online portal. No response on my application status. I sent an email on XX/XX/XXXX to check on the status of my application and called XX/XX/XXXX. I was initially informed to resubmit for a new application due to the delay. I was then given mixed information that my proof of income was not submitted, then was told never mind it was received. I was not given a time frame on the status of my application. The last year, my payments have not counted towards PSLF, mostly due to a lack of communication and processing of my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The credit agency reported a charge-off of approx XXXX XXXX, received a 1099-C, but did not send me a copy of the 1099-C. It is still reporting it on my credit and needs to be removed immediately. I am requesting a copy or I will have to sue for statutory damages.

Under the FCRA, one can seek statutory damages if a creditor furnishes inaccurate information about a debt, such as incorrectly reporting a charge-off while still claiming one owes the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have tried to work with Experian credit bureau on multiple issues my personal information keeps dropping out of their account my banking information keeps dropping out of their account I also have had issues with profile of my account. I have spoken when you can finally get through to a customer service rep regarding this in addition to this my FICO score dropped XXXX  points while the other bureaus went up I believe it's related to them not having my account correct and not fixing it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to formally dispute the accuracy of the following items ) on my credit report. This notice is submitted under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires your agency to conduct a reasonable reinvestigation of any disputed information within 30 days. Creditor name : XXXX XXXX XXXX According to FCRA Section 1681i, it is illegal to place inaccurate information on my credit report without my permission. Please remove these inaccurate accounts from my file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: NH

Complaint narrative:
I had a previous CFPB case opened - XXXX and that was closed I don't know. If cfpb doesn't want to help customers with issues and take merchant 's response as a final verdict why even bother having this platform open??????? 


I had a dispute open with merchant target for items that were received defective. This was on my card ending in XXXX. Amount disputed was {$41.00}. I had also filled in the form of entirety which clearly mentioned what the issue was with the charge and how I received everything defective and yet my claim was closed saying that the " benefit was provided ''. What do you mean????? I received all defective merchandise - 4 boxes of purdue chicken breast boxes and 2 boxes of ratio protein, each box having 4 individual yoghurt containers and everything was expired. Dispute Number - XXXX. 


I see after I had opened my last cfpb case, US bank went ahead and reopened the case and they realized that the category this dispute was opened was wrong and hence denied. Thats not my problem if US bank employees dont know how to handle disputes. I was told that this was being reinvestigated as of XX/XX/XXXX and as of XX/XX/XXXX I see that the credit was put back on my account. What is really going on here? This is frustrating, when i received all defective merchandise from the merchant and not getting help from US bank. I need this reopened and need justice here by getting back my refund

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX  XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$470.00} XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$110.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I deposited a check into my husband and Is checking acct. In XXXX of 2025 The check was from XXXX XXXX XXXX. This check was for XXXX XXXXXXXX. We own a medical business and have XXXX checks often so it is not uncommon. They put a hold on it at first for a week, then two weeks, then it jumped to a month. All this time they couldnt tell us why. In XXXX we got told we had to wait till XX/XX/scrub> 2025. We have been told this date by multiple bank managers and each time we called in. Because of the amount of this check and us having to wait so long we had bills set and ready to pull the XXXX and XXXX. During the wait we have even had our electric turned off due to then letting payments through then returning them. The acct reflects like the money is there but then returns all the payments. After being told XX/XX/XXXX wed for sure have the funds released we were confident it would be.I got up this morning XX/XX/XXXX and there was no money released just a hold still. XXXX even sent us verification the money left their acct months ago and that it had been in citizens hands since. Today I was told by citizens they are extending the hold now till XX/XX/XXXX. We have all our bills ready to come out because they have told us for months the monies would be deposited today. We are now in a position to loose our business in the next month due to the serious issues this has caused. Each time being told a new date and then it not happening has caused checks to be sent back bills to not go through. Please help! Please note between my husband and I we have 6 other citizens accts one of them a business acct. over 6 years old. All these accts are years old not one is new. The day of this deposit a separate XXXX check was deposited to one of the other accts. That check for a similar amount cleared right away and was avalible the next day. This is not an unusual check or amount for us given our business. I do not see how they can hold money that is actually already released to them and give us a date for over a month and then keep changing my it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently obtained a copy of my credit report and noticed an account that I have no knowledge of and did not authorize. This account is clearly fraudulent and must be removed without delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I deposited {$5500.00} cash in a Wells Fargo atm on XX/XX/year>2025 at approximately XXXX. The deposit never registered in my account. My claim was denied with no information provided to me. There should be clear video evidence on the atm machine of me making the deposit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: KY

Complaint narrative:
I had multiple returned auto-pays via ACH. US Bank disabled my access to their website where I can make payments and see statements ( I only get electronic statements ). 

XX/XX/XXXX : I called US bank and they provided me with the option of using my bank 's bill pay and verified I set it up correctly while I was on the phone with them. 

XX/XX/XXXX : My bank sent a bill pay payment to US Bank in the amount of {$630.00} ( past due amount + late fee ). 

XX/XX/XXXX : My bank sent a bill pay payment to US Bank in the amount of {$600.00} ( current month payment ). 

XX/XX/XXXX : US Bank calls me asking why they haven't received payment. I talked to my bank and learned that US Bank rejected both payments, but that the funds haven't been returned yet. My bank opened an investigation. 

XX/XX/XXXX : I talked to a US Bank representative and learned that they rejected both of the payments because in their system, they aren't considered certified funds. They confirmed the notes from my prior call with them included instructions that bill pay was an acceptable method of payment. This resulted in going over the 30 day late threshold and impacting my credit score. The funds for the first rejected payment were credited to my bank account on this day as well, but the other has not been returned by US Bank. The US Bank representative I talked with said he could file a complaint on my behalf, but that there is no way for US Bank customers to log their own complaint and no way for me to check on the status of the complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
A Wells Fargo number called me at a number XXXX on XX/XX/year> and told me my account was compromised. They had my info for the account and asked my security questions and got into my account making fraudulent charges. Wells Fargo called me during the scam call to make me aware of the scam occurring and blocked most of the charges except one going through with the total of XXXX and a XXXX for a transaction that occurred out of country. All my bank transactions show I have never left the country.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this written request regarding an inaccurate inquiry on my credit report. I did not initiate or consent to this inquiry and am concerned about how it was added to my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation