vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: FL

Complaint narrative:
I LOOKED OVER MY CREDIT AND SEEN UNAUTHORIZED ACCOUNTS AND I IMMEDIATELY FILED MY IDENTITY THEFT REPORT

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 2025-08-20 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$590.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: GA

Complaint narrative:
The following accounts are fraudulent and unauthorized. Please remove it from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following inquiries are not authorized. Please remove it from my credit report immediately. XXXX XX/XX/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

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 2025-08-20 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: MO

Complaint narrative:
I am submitting this complaint because the consumer reporting agency has reported unauthorized hard inquiries on my credit report that were not initiated or authorized by me. This constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ) and 15 U.S.C. 1681g ( a ) ( 5 ), which prohibit reporting inquiries not initiated by the consumer unless specific conditions, such as prior written consent or a firm offer of credit, are met. I did not provide any written authorization for these inquiries, and their presence on my credit report is therefore unlawful. Additionally, the agency has failed to provide documentation or evidence of a permissible purpose for these inquiries.

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 2025-08-20 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-20 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Recovery Service Incorporated
State: FL

Complaint narrative:
XXXX XXXX  is attempting to collect on a XXXX account that is already being reported as a charge-off by the original creditor. They have not provided any validation of the debt, including documentation that they are authorized to collect, itemized accounting of the balance, or a copy of the original agreement. 

Until proper validation is provided, XXXX  XXXX should not be permitted to continue collection activity or to furnish information to the credit bureaus. This raises concerns under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Exhibit A : Collection attempt letter/notice from XXXX  XXXX. 
Exhibit B : Credit report screenshot showing XXXX reporting charge-off monthly with no disclosure of XXXX  XXXX as the collection agency. 

I am requesting that XXXX XXXX cease collection until full validation is provided, and that the CFPB ensure compliance with FCRA and FDCPA requirements. 

XXXX : I am disputing inaccurate reporting of a XXXX account. The account is being reported as a charge-off every single month, which inaccurately extends the delinquency period and makes it appear that new derogatory activity is occurring. A charge-off should only be reported once, not repeatedly. 

Additionally, no collection agency is listed on my credit report for this account, yet I am being contacted separately by XXXX  XXXX regarding the same debt. This creates confusion and inaccurate reporting because it is unclear who currently owns or services the account. 

I previously submitted a written dispute to the credit bureaus. The continued monthly charge-off reporting, combined with the lack of transparency regarding the current collector, is misleading and violates the Fair Credit Reporting Act ( FCRA ). 

Exhibit A : Collection attempt from XXXX  XXXX. 
Exhibit B : Credit report screenshot showing XXXX reporting charge-off monthly with no mention of a collection agency. 

I am requesting that this account be corrected or removed if it can not be properly verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In XX/XX/scrub> 2025, I financed a new XXXX  system ( ~ {$24000.00} ) through a Wells Fargo XXXX XXXXXXXX XXXX XXXX  issued by Wells Fargo Bank , N.A . The card was tied directly to the merchant, XXXXXXXX XXXX XXXX XXXX, TX, XXXX XXXX ), as shown on the card materials ( Exhibit A ). 

From the very first day, the system was defective. On XX/XX/year>2025, XXXX  own quality control report recorded static pressure of 1.16 inWCmore than double the Trane manufacturers specification of ~0.5 inWC. This meant the installation failed on day one. I immediately notified XXXX in writing and refused acceptance of the system until corrected. 

Despite repeated written requests in XXXX and XXXX 2025, XXXX never provided a corrective plan. Instead, they later issued a {$0.00} invoice for airflow measurement and a {$0.00} estimate labeling required duct modifications as outside scope, even though the signed contract explicitly required proper airflow, quality control verification, a 2-year labor warranty, and a lifetime XXXX guarantee. 

In XX/XX/year>2025, I filed a dispute with Wells Fargo. Over the 90-day review period, I submitted the contract, QC report, emails, invoices, photographs, and written objections showing that the system was never accepted and remains defective. I also made it clear in multiple phone calls that I did not authorize closure of the dispute until corrective work was actually performed. 

Despite this, in XX/XX/scrub>t 2025 Wells Fargo closed my dispute solely on the merchants promise to perform future work. No corrective work has ever been scheduled or completed. Closing a billing dispute on a mere promise directly violates the Fair Credit Billing Act ( FCBA ), which protects consumers when goods or services purchased with credit are not delivered as agreed.

As a result, I am being forced to pay Wells Fargo for a defective XXXX  system that was never accepted and never brought into manufacturer specification, while the merchant has avoided its warranty obligations. Wells Fargo, as the card issuer and direct partner of XXXX XXXX, has failed to comply with its FCBA obligations and closed my case improperly. 

I request : Immediate reinstatement of my billing dispute ( or opening of a new dispute tied to the same transaction ).

Written confirmation that my evidence and objections are preserved in Wells Fargos records.

Escalation to Wells Fargos Executive Office for full review and compliance with FCBA.

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 2025-08-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I have an account with Synchrony Bank for XXXX XXXX. On XX/XX/XXXX I purchased a chest of drawers for {$480.00}, however the salesperson added on protection plan without telling me and charged me {$580.00}. I pointed out I did not want that and they voided the first charge of {$580.00} and put through the {$480.00}. Both charges showed up as a hold on my XXXX credit card. Eventually the {$480.00} posted as a completed charge. The {$580.00} never posted, but it also never dropped off. Nearly 5 months later it is still being held as a pending charge. I have made numerous calls to both XXXX and Synchrony, I even filed a XXXX  complaint against XXXX believing the error to be on their part, however they provided documentation showing their repeated attempts to get Synchrony to release the hold on the {$580.00}. The last thing they told them a month ago was that it would drop off " eventually ''. After nearly five months I have to wonder when eventually is.

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 2025-08-20 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:
What happened : Experian reinserted three identity theft-related accountsXXXX XXXX ( {$650.00} ), XXXX XXXX XXXX  XXXX {$1800.00} ), and XXXX XXXX XXXXon XX/XX/2025 without providing me with the required written notice within five business days, in direct violation of FCRA 605B ( d ) ( 15 U.S.C. 1681c-2 ( d ) ).

These accounts had already been blocked following my FTC Identity Theft Report # XXXX. Experian has failed to provide any of the legally required documentation, such as a signed agreement, proof of benefit, or evidence of material misrepresentation. 

I formally submitted a procedural request under FCRA 611 ( a ) ( 7 ) for the method of verification, reinvestigation steps taken, and the name and contact information of any furnisher. Experian did not respond to this request, violating FCRA 1681i ( a ) ( 7 ). 

Experian admitted that XXXX XXXX confirmed the account was fraudulent, yet they continue to report the data, which contradicts FCRA 605B ( c ) requiring permanent blocking once fraud is confirmed.

This mishandling is damaging my credit and violates multiple FCRA provisions : 605B ( blocking/reinsertion procedures ) 611 ( a ) ( 7 ) ( procedural reinvestigation disclosure ) 1681e ( b ) ( failure to ensure accuracy ) I am requesting regulatory enforcement to compel Experian to delete the accounts permanently, comply with procedural transparency, and stop publishing unverifiable identity theft-related data.

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 2025-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
company has been told to cease and desist and was told this itme is being disputed until it has been verified they refuse to send the items requested only send a made up summary they created not the purchase agreement with orignial signatures copy not a scanned. company fails to comply allong with while itme is being disputed they are not allowed to report it to the credit agencies however they report it and nothing has been verified the credit agencies refuse to do a proper investigation along with this company refuses to send requested information like they are hiding the fact they do not own this debt or are leaglelly allowed to collect on it. 

this needs to be deleted from all credit agencies ASAP due to refusal from credit agency

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: NY

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-08-20 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: NC

Complaint narrative:
I have recently become aware that my personal information was compromised in a data breach. Upon reviewing my credit report, I noticed that I am unfamiliar with the account details associated with several accounts. I have requested validation of the debts but have not received the necessary information. In light of the data breach, I have submitted a report to the FTC. Enclosed are my identification, the FTC complaint, and a copy of the XXXX report that indicates my exposure to the data breach.

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 2025-08-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: CO

Complaint narrative:
I hope this message finds you well. Due to the age of my account, I'm required to cash my checks at the issuing bank and subsequently deposit the funds at PNC. Unfortunately, my schedule often conflicts with the bank 's teller hours, so I frequently rely on the ATM for cash deposits. 

On XX/XX/XXXX, I deposited {$1200.00} into the ATM, and while a message indicated that the door opened, not all of the cash was dispensed. In light of the history of ATM deposit issues, I took photos and recorded a video for documentation. I waited a moment and attempted another transaction, hoping the cash might have been temporarily stuck, but that did not resolve the matter. 

I promptly reported the issue and provided the accompanying pictures and videos. While I appreciated the promptness in returning my funds, I was surprised to learn that the reversal occurred. The explanation given was that the deposit was not completed ; however, the ATM indicated it was processing a return of Invalid or excessive bills yet not all funds were either deposited or returned. The message I received stated that I did not retrieve the cash in time, but there was nothing to collect. 

I have attached the relevant videos and photos for your review. Thank you for your attention to this matter, and I look forward to your assistance.

Company response to consumer: Closed with explanation