vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 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: PA

Complaint narrative:
The account is marked as charged off, with a balance of {$19000.00} reported as past due even after a charge-off and {$18000.00} allegedly written off. This is contradictory and misleading under FCRA 1681s-2 ( a ) ( 1 ) ( A ), which prohibits the reporting of inaccurate information. Balance Misrepresentation After a charge-off, the balance should not continue to accrue as past due. Reporting both a charge-off and an ongoing delinquency constitutes double reporting and violates FCRA 1681i ( requirement for maximum possible

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 2025-09-26 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 writing to advise that I am a victim XXXX XXXX For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
ACCOUNTS : 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 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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-09-26 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
I am filing this complaint against Fair Collection & Outsourcing Inc, a debt collection agency operating under the Fair Debt Collection Practices Act ( FDCPA ), regarding their improper collection practices for an alleged debt of {$4400.00} originally owed to XXXX  XXXX. 

On XX/XX/year>, I discovered that FCO had placed a collection account on my XXXX  credit report without my knowledge. In response to this unwanted collection activity, I sent FCO a certified letter via USPS on XX/XX/year>, explicitly stating " I refuse to pay this debt. '' According to USPS tracking, FCO received my refusal notice on XX/XX/year>. Despite receiving my clear refusal to pay, FCO violated both the FDCPA and Texas Business & Commerce Code 17.46 ( 12 ) by continuing their collection efforts. 

On XX/XX/year>, the same day they received my refusal notice, FCO sent me a response attempting to provide unrequested " verification '' of the debt, stating, " Per your request, please find enclosed verification of the above referenced debt '' and " This communication is an attempt to collect a debt by a debt collector. '' I never requested verification. I explicitly stated I refuse to pay the debt. FCO 's letter was not only false and misleading, but it was also an inducement for payment.

FCO 's agreement with the original creditor does not authorize them to continue collection attempts after receiving my refusal to pay notice. Yet, they persist in representing that they have rights they do not actually possess. Their continued collection efforts after my refusal notice have caused me significant emotional distress, mental anguish, XXXX, and invasion of my privacy, for which I have supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: PA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-26 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: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
b'I noticed two unauthorized transactions on my banking account. One was for XXXX  made XXXX XXXXXXXX on my debit card XXXX XXXX XXXXXXXX XXXX  and one for XXXX  made XXXX XXXX XXXX  on my credit card XXXX XXXX XXXX XXXX  I contacted my banking institution and theyre trying to make it seem like I made the purchase and I didnt. I contacted the merchant where the transactions were made and they provided me with a reference number. Reference number : XXXX. My banking institution closed the dispute despite the merchant saying the transactions are not on my account. At all! I have screenshots showing I didnt make the purchase.  My banking doesnt want to release a credit for my cards being used fraudulently.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: FL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-09-26 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: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ 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 2025-09-26 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: CA

Complaint narrative:
This is a formal complaint against Equifax for reporting inaccurate, incomplete, and unverifiable information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), 15 U.S.C. 1681e ( b ).

Despite prior disputes, Equifax continues to report the following derogatory items : XXXX. XXXX XXXX XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reported Late Payment XXXX XXXX  Equifax is reporting late payments on this account. This is false. I have never been late on this account. I demand immediate correction of this accounts payment history. 

XXXXXXXX XXXX XXXX XXXX  Account No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$4600.00} Reported XXXX XXXX XXXX XXXX This account reflects late payments which are completely inaccurate. I have no late payment history with this creditor. Equifax must remove the erroneous late payment marks and update this account to reflect accurate payment history. 

XXXX. XXXX XXXX Account XXXX. XXXX * Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX * * This account is reported as a charge-off, but I have no knowledge of this account. I never opened or authorized this account. Since it is unverifiable, it must be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} Collection * * This account is listed as a collection, but I have no knowledge of this debt and never had any relationship with this company. It is unverifiable and must be deleted immediately. 

XXXX. XXXX XXXX Account XXXX. XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} XXXX * * Equifax is reporting this as a collection account, but I have no knowledge of this debt. This item is inaccurate, unverifiable, and must be deleted immediately. 

XXXX Requested : I request that the CFPB investigate Equifax for failing to ensure accurate reporting and for continuing to publish unverifiable and damaging derogatory information. I demand that Equifax : Correct the inaccurate late payment history on the XXXX XXXX XXXX and XXXX XXXX XXXX accounts. 

Delete the unverifiable XXXX XXXXXXXX XXXX XXXX-, and XXXX XXXX XXXX accounts. 

Provide written confirmation of these actions. 

XXXX continued reporting of these items is harming my creditworthiness and constitutes clear violations of the FCRA. I request the CFPBs urgent intervention to ensure compliance and resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Wells Fargo Bank, N.A.for what I believe to be a serious breach of fiduciary duty and improper handling of my trust fund. The bank took unilateral actions to dissolve or restructure my trust fund without providing the required documentation, disclosures, or obtaining my consent as a beneficiary in XXXX. 

Summary of the Issue : 1 ) Wells Fargo altered or broke apart my trust fund without proper documentation or authorization.

2 ) I was not provided with a full accounting or explanation of the changes made.

3 ) Attempts to obtain clarification and documentation from Wells Fargo have been unsuccessful or met with vague responses. 
XXXX ) These actions appear to violate both the terms of the trust and federal fiduciary standards. 

Legal Basis : Under federal and state trust law, trustees are bound by fiduciary duties including : Duty of Loyalty acting solely in the interest of the beneficiaries. 
Duty of XXXX managing trust assets responsibly and competently. 
Duty of XXXX keeping beneficiaries reasonably informed about trust administration. 
Violations of these duties may constitute breach of fiduciary duty, actionable under common law and statutes such as : XXXX XXXX XXXX ( XXXX ) adopted in many states, including provisions for removal of trustees and recovery of damages. 
XXXX Investor XXXX requiring trustees to invest and manage trust assets as a prudent investor would. 
XXXX XXXX XXXX XXXX of XXXX, 12 U.S.C. 5481 et seq. empowering the CFPB to investigate unfair, deceptive, or abusive acts or practices ( XXXX ) by financial institutions. 
Recent legal precedent, including the {$830.00} XXXX judgment against Wells Fargo for mismanaging the XXXX XXXX XXXX XXXX, demonstrates systemic issues in the banks trust management practices. 

I respectfully request that the CFPB : XXXX ) Investigate XXXX XXXX handling of my trust fund. 
2 ) Require Wells Fargo to provide a full accounting and documentation of all actions taken.

3 ) Determine whether the bank violated fiduciary duties or engaged in deceptive practices.

4 ) Take appropriate enforcement action if violations are found. 

I am prepared to provide supporting documentation, including correspondence with Wells Fargo and any trust-related records I have retained. 

Thank you for your attention to this matter. I trust the CFPB will act to protect consumers like myself from financial institutions that fail to uphold their legal and ethical responsibilities. 

Sincerely, 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 explanation
Consumer complaint received 2025-09-26 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: MN

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-09-26 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: GA

Complaint narrative:
I am writing to file a formal dispute with the Consumer Financial Protection Bureau ( CFPB ) regarding XXXX XXXX XXXX | XX/XX/year> : This inquiry is inaccurate. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> : This inquiry is inaccurate. 
XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> : This inquiry is inaccurate. 
XXXX  : Account number : XXXX, Unverifiable. 
XXXX ( Original XXXX XXXXXXXX XXXX ) : Account number : XXXX, Unverifiable. 
XXXX XXXX | XX/XX/year> : This inquiry is inaccurate. 
XXXX XXXX XXXXXX/XX/year> : This inquiry is inaccurate. 
XXXX : Account number : XXXX, Unverifiable. 
XXXX ( Original XXXX XXXXXXXX XXXX ) : Account number : XXXX, Unverifiable. 
XXXX XXXX : Account number : XXXX, Unverifiable. 
I believe that my consumer rights have been violated and that the financial institution involved has not properly addressed the matter despite my efforts to resolve 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 2025-09-26 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:
On XX/XX/year>, I sent a certified letter to TransUnion regarding multiple inaccurate items on my credit report. The letter was delivered on XX/XX/year>, at XXXX PM in XXXX, PA, per XXXX Tracking XXXX XXXXXXXX. This correspondence requested prompt investigation and correction or deletion of the following accounts : XXXX - {$2600.00} ( ACCOUNT XXXX XXXXXXXX ) XXXX XXXX  - {$5000.00} ( ACCOUNT XXXX XXXXXXXX ) XXXX XXXX {$2200.00} ( ACCOUNT XXXX XXXXXXXX ) After receiving no response or update regarding the investigation within the time required by law, I sent a second letter on XX/XX/year>, reiterating my dispute and again requesting prompt resolution. To date, I have received no response from TransUnion.

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 2025-09-26 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request
verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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