vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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 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 2025-06-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-06-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Inquiry XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX my husband and I noticed multiple charges made to our joint checking account that we did not authorize. The following charges were : {$26.00} on XX/XX/XXXX and {$320.00} on XX/XX/XXXX. We called the bank immediately and they cancelled the associated debit card. At that time I was told the claim was initiated and we would hear a response back in XXXX business days. I was taken aback by this as previously any fraudulent charges were credited back to the account while they conduct research or at the very least moved to a " pending '' charge as it is on a hold status. Instead, we had to wait 10 days with that money deducted from our account which hurt us financially and resulted in multiple overdraft fees. We then received a letter in the mail on XX/XX/XXXX with an update stating the claim is closed due to the charges being " authorized or that a processing error did not occur. '' My husband then called Wells Fargo on XX/XX/XXXX and asked for the case to be re-opened/appealed. At that time they credited our account the one charge of {$320.00} and stated it was still under review. Sure enough we received yet another letter in the mail stating the claim had been closed again on XX/XX/XXXX and the charge was then deducted yet again from our account resulting in even more overdraft fees. I then called Wells Fargo again on XX/XX/XXXX and asked for assistance. They proceeded to tell me that they are unable to reverse the transaction as they were " authorized charges '' and the next step would be for me to reach out to the merchants directly and see if they can help with the charges. Although I did not agree, I complied and I reached out to both merchants, both of which referred me back to my bank and stated any sort of fraud/transaction reversal would need to come from the bank directly. I sent an e-mail on XX/XX/XXXX to the Wells Fargo claims department expressing my concerns and asked them to provide me with any and all documents pertaining to any research and communication for this claim, as well as keeping the claim open as I am also investigating further on my end. I have also submitted a report through XXXX. I have yet to hear any response back from Wells Fargo. Since then, I now have additional fraudulent charges associated with a different debit card which I also called about immediately on XX/XX/XXXX and received the same response : " a claim has been initiated and I should hear back with a response in XXXX days. '' I now feel both unprotected and unsupported as a customer to this institution.

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 2025-06-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
An unauthorized transaction of {$2200.00} was processed from my bank account to my Barclaycard account on XX/XX/XXXX and I called Barclaycard on XX/XX/XXXX. I did not authorize this transaction. I reported this to Barclays on XX/XX/XXXX and was promised a refund in 5 business days. No refund has been provided. I have followed up multiple times and it was escalated again today, but no action has been taken. This is now affecting my ability to pay my mortgage. I need this resolved immediately. Ive filed a claim and complaint with barclays. Claim number is 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 2025-06-11 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:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : 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 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 
Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap.

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 2025-06-11 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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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 contacting you to dispute accounts that were opened in my name without my permission. I have no knowledge of these accounts and believe them to be fraudulent. Pursuant to 15 U.S.C. 1681g, I request their removal from my credit report within 15 days. Supporting documents are enclosed.

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 2025-06-11 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 






XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : 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 2025-06-11 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: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
My loan has been sold off every XXXX years to a new service provider. I have owned my properties since XXXX. I have paid the mortgae on a bi-weekly basis. In the past when NewRez took over reciving the payments, I've had to call them every month becuase they were misapplying my funds. Since I submit my payments bi-weekly. They apply the funds sent directly to the principal instead of holding it in escrow until the 2nd payment is recieved to then applying it as a whole and any remainder funds not swallowed up by interest then should be applied to the principal. Every time I've called I've been placed on hold for a supervisiro so they can review the actual transactin histpry and they waive the late fees that they incorrectly assessed. I went through that for a year starting in XXXX. In XXXX they started to ingnore my calls and keep my on hold until I hung up. Theyy 'd then call me around the clock to inform me that I'm late when I wasn't since my method of payment has not changed. I get paid 26 times a year. I know for a fact that my payments should be ahead and never behind. When I do get a hold of a representative to try and resolve the issue they claim this can be solved if I give them access to my checking account to which I decline. If they can't apply my current payments correctly I will never authorize an auto draft. I have printed ( PDF ) my payment history of the lastr 2 years and also married that against the payment history of my NewRez account. I also forward those documents to NewRez customer service with an email and have not recveied any response. It has been 3 months. I am willing to go all the way with this since they obivious practive predetory banking practices. I have 2 accounts that I pay {$770.00} on one and {$740.00} every 2 weeks through my bank. It's a set and forget automatic setup.

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc.
State: TX

Complaint narrative:
CFPB Complaint Summary XXXX Complainant : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, TX XXXX Date XXXX XXXX XXXX XXXXXX/XX/XXXX Complaint Title Inaccurate Late Payment Reporting by XXXX Failure to Verify Complaint Description I disputed a reported XX/XX/XXXX late payment from XXXX on XXXX XXXX XXXX XXXX XXXX 
The bureaus and creditor have failed to provide valid documentation to confirm this derogatory mark. 
Under FCRA 1681i and 1681s-2 ( b ), information that can not be verified must be deleted or corrected.

This late payment remains on my report despite lack of proof.

Requested Resolution I am requesting that the inaccurate or unverifiable late payment ( s ) be corrected or deleted from my credit report. If the information can not be fully verified with valid documentation, it must be removed in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am disputing XXXX accounts that recently reappeared on my credit reports. The first is XXXX XXXX XXXX XXXX, the account ( ending in XXXX ) was opened on XX/XX/XXXX and it now shows a status of XXXX XXXX ', but it still reflects an overdue balance of {$2500.00}. The other account is from Bank XXXX XXXX, the account ( ending in XXXX ) was opened on XX/XX/XXXX and it now shows a status of XXXX XXXX ', but it still reflects an overdue balance of {$150.00}. This report is misleading and potentially inaccurate. If the accounts are cancelled and closed, there should not be an active overdue balance reported. I have sent disputes to the credit agencies requesting verification of this information. However, the information remains unchanged. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request the method of verification and a complete reinvestigation. So far, I have not received an adequate explanation or correction.

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 2025-06-11 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: FL

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-06-11 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: MI

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX  - I was never late on this account, please remove late payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: FL

Complaint narrative:
XXXX  - I was never late on this account, please remove late payment history.

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 2025-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I am filing this report to formally state that multiple bank accounts were opened and operated without my knowledge, authorization, or involvement. 

I did not open, maintain, manage, or close any of the accounts listed in this report. These accounts were created using my personal identifying information without my consent. I have never received funds from these accounts, nor have I had any control over their activity. 

To support this claim, I am in the process of filing a police report and submitting identity theft documentation, including an FTC Identity Theft Report. 

I am requesting that these unauthorized accounts be fully removed from my consumer profile and any associated databases. These entries are fraudulent and damaging to my financial reputation, and I am taking all legal steps necessary to rectify the situation. 

Thank you for your cooperation in investigating and resolving this matter.

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 2025-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: LA

Complaint narrative:
In XXXX, my phone had got stolen and I had to get a new phone and start over. And since XXXX I have been trying to sign into my Cash App account. And Ive had no luck whatsoever. It is my account I know all the information about it. I gave all the information I could when they asked, and they still can not provide me access to my account. And the money in it. Ive been in contact with Cash App through phone, email, and their app support. ( I have evidence to prove it ) They have provided no hope whatsoever. They continue to give me false hope. And now when I try to look up my account it says This account does not exist or cant be recovered. I am scared Cash App stole {$800.00} from me. Please help. 

Thank you for your time, XXXXXXXX XXXX

Company response to consumer: Closed with explanation