vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 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: GA

Complaint narrative:
I submitted a complaint against these Bureaus a month ago, yet the incorrect information on my report persists. To my surprise, I have not received any communication from the Bureaus, and they have already closed my complaint. Can you clarify why my complaint was closed without addressing the issue? Have they acknowledged or verified my dispute? I require confirmation that they have thoroughly investigated the inaccuracies on my report and validated the accounts. Additionally, could you provide information on the verification methods they employed? This situation is extremely frustrating, as it has been over 30 days since I filed the complaint, and I anticipated updates to these accounts by now. If they are not updated promptly, I will be compelled to consider legal action due to the significant stress this has caused. Furthermore, I am worried about the security of my personal data, especially in light of the Equifax, Experian, and Transunion 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 2025-08-06 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.

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: PA

Complaint narrative:
I am requesting the removal of inaccurate late payment reporting from the following accounts due to the creditors failure to provide proper notice of due dates or missed payments : XXXX Account # : XXXXXXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX Account # : XXXX I was never notified about the upcoming due dates or any missed payments. This prevented me from taking corrective action and violates multiple sections of the Fair Credit Reporting Act, including : FCRA 1681e ( b ) Failure to ensure accurate and complete reporting FCRA 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information without reasonable notice FCRA 1681i ( a ) Right to dispute and delete unverifiable information Because the creditors can not verify that proper notice was sent, the late marks are incomplete and inaccurate and should be permanently removed. I am requesting a full reinvestigation and removal of all related delinquencies. Please provide written confirmation of the outcome.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX Cashiers Check for {$6100.00} issued by Wells Fargo XX/XX/XXXX Cashiers Check for {$140.00} issued by Wells Fargo XX/XX/XXXX I contacted Wells Fargo XXXX XXXX  unclaimed property cashiers checks that would be turned over to the State of XXXX  after XX/XX/XXXX. According to the XXXX  website as long as I contacted the bank prior to the escheat date, the bank would work with me the owner. 

I corresponded with the Wells Fargo unclaimed property department a total of XXXX  times : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with XXXX different case numbers to obtain the check numbers, issue dates and dollar amounts. ( XXXX and XXXX ) I called XXXX  times : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I visited the XXXX branch XXXX  times : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX completing required documentation, only to have additional forms requested thus the need to obtain more affidavits and notarized signatures. 

I understood that I completed all the required steps and submitted the final document on XX/XX/XXXX prior to the XX/XX/XXXX deadline only to be told on XX/XX/XXXX the money had been turned over to the State of XXXX  and would take at least XXXX  days to be processed. 

The money was in limbo till XX/XX/XXXX at which time I started the unclaimed property process with the State of XXXX  only to find they required the same affidavits to completed and notarized but on XXXX forms not Wells Fargo forms and that since I was an heir the process will take a minimum of XXXX  months.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-08-06 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: LA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit 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 2025-08-06 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: PA

Complaint narrative:
I am requesting the immediate and permanent deletion of the following fraudulent inquiries and any related accounts that resulted from identity theft, which I did not authorize or initiate : XXXX  XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Finance Inquiry Date : XX/XX/XXXX This is not a third-party dispute. I am the direct consumer and I have already submitted all required documents, including : A valid FTC Identity Theft Report Government-issued ID Proof of address Copy of my Social Security card Under 15 USC 1681c2 , the credit bureau is required to block and remove fraudulent information within 4 business days of receiving a proper identity theft report. The failure to do so violates : 15 USC 1681b ( c ) No permissible purpose for inquiries I didnt authorize 15 USC 1681c2 Block of identity theft-related data 18 USC 1028A Aggravated identity theft ( by failing to act, the bureau perpetuates this crime ) I am demanding : Immediate deletion of the above unauthorized inquiries Removal of any accounts connected to this fraudulent activity A written confirmation of these deletions An updated copy of my credit report showing that the false information has been removed If these actions are not taken promptly, I will file further complaints with the FTC, Attorney General, XXXX, and pursue civil legal action under FCRA 616 and 617.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am asking for your assistance to review accounts from these companies that are wrongly reporting late payments. After checking my credit report, I noticed some accounts show late payments inaccurately. There should be no late payment remarks on these accounts. Please remove these notes and update the accounts to show the agreed positive status.

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 2025-08-06 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-08-06 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 need you to look into the mistakes on my credit report immediately. These inaccuracies have been stressing me out and its affecting everything. It is disheartening to know that my rights as a consumer is being violated. I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. Make sure all this information is 100 % correct. I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-08-06 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: FL

Complaint narrative:
On multiple occasions, I have disputed a specific account that was inaccurate and unverifiable. TransUnion previously deleted this account from my credit file, yet they have reinserted it again without providing me with the required written notice within 5 business days, as required under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ).

This is now the third time I have had to address this same matter with TransUnion. The account in question has been permanently deleted by the other two major credit bureaus, and I have official deletion confirmations to attach as proof.

By reinserting the account without proper certification from the furnisher and without sending me timely written notice, TransUnion is in direct violation of federal law. This repeated noncompliance has caused harm to my credit reputation, interfered with my ability to obtain credit, and created ongoing emotional and financial distress. 

I am requesting that the CFPB require TransUnion to : 1.Permanently delete this account from my credit report.

2.Provide a written explanation for their repeated failure to comply with FCRA reinsertion rules.

3.Implement procedures to prevent further unlawful reinsertions of previously deleted information.

4.Investigate and take appropriate enforcement action for these repeated violations, including compensation for damages caused by TransUnions negligence and noncompliance.

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 2025-08-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: MD

Complaint narrative:
My bank account has been frozen for 3 months for no good reason nor explanation to why. 
A fee Weeks after I opened a two new account at PNC bank they unexpectedly froze my accounts. I had deposited over XXXX in check into that account. After getting an email update of my balance with a XXXX availability and ledger amount in full. I called to make sure it was a system error. 
The customer service originally told me that my account was being investigated and that it could take up to 1 month to be released. After 1 month and 1 week of hearing nothing from them, I called customer service requesting updates to my account, only to be asked to stop by any bank office near-by for assistance. I later stopped at a branch office for assistance, the branch manager tried calling and team chatting with the employee/section assigned to the investigation but he was not willing to provide any clear answer and bluntly ignored all attempts in getting a resolution or valid reason for the hold. 
We even asked the released any unquestionably funds while investigating but all attempts were ignored. 

Over the months my account was frozen, my direct salary/pay had been entering this same account not knowing that everything entering equally gets frozen. I have called customer service several times and requested the delivery a note to whomever is reviewing my accounts to call me and explain or provide same updates/timely of expectations but has all been ignored by said individual. 

This is going on 4 months that I've not had my money or access to my funds. I have no current income and higly depending on this release. I have a mortgage, and expenses to handle that i greatly depend on its release to keep afloat.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I take my credit seriously, just like anyone else, and the fact that there are still errors on my report is unacceptable. These inaccurate items are in pending litigation because of the way they were carelessly reported. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore these items need to be deleted under 15 U.S. Code 1681i ( a ). Additionally, I am also writing to request the correction of inaccurate personal information as I've noticed that these errors may have contributed to the issues with my credit applications, which is extremely frustrating. My credit report should only reflect accurate information, which is why its important all data is verified. I expect my credit report to reflect only accurate, verified informationnothing less. This needs to be corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: NY

Complaint narrative:
The following accounts are reporting incorrectly. I believe my loan servicer violated my consumer rights and have marked my accounts as late on XX/XX/year> I was not late due to my account being in forbearance. And no notice being sent to me per the XXXX XXXX XXXX, that let me know this account was out of forbearance. 

Also the student loan accounts are reporting 90 day late on XX/XX/year> but never reported XXXX  days late and XXXX XXXX XXXXate on prior dates. It is a violation of my rights to report 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 2025-08-06 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: AR

Complaint narrative:
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 explanation
Consumer complaint received 2025-08-06 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 have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) XXXX XXXX. I presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exsits ( please remove these accounts before I seek litigation for defamation of character ) XXXX BALANCE {$2100.00}, XXXX BALANCE {$2100.00}, XXXX BALANCE {$2600.00}, XXXX  BALANCE {$1000.00}, XXXX  BALANCE {$2500.00}, XXXX  BALANCE {$1000.00}, XXXX NC BALANCE {$4000.00}, XXXX XXXX BALANCE {$4600.00}

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 non-monetary relief
Consumer complaint received 2025-08-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint against Equifax for their continued reporting of a XXXX  XXXX Bankruptcy ( Ref : XXXX ) on my credit reportdespite the fact that I have never filed for bankruptcy in my life. This is not only a gross inaccuracy, but it also violates multiple provisions under the Fair Credit Reporting Act ( FCRA ), including 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] and 607 ( b ) [ 15 U.S.C. 1681e ( b ) ]. 
I previously submitted a formal dispute regarding this inaccurate entry, yet Equifax failed to conduct a meaningful or lawful reinvestigation. They did not contact the original source of the bankruptcy claim nor provide any documentation verifying its accuracy. Their handling of the dispute shows noncompliance with the FCRAs requirement to conduct a reasonable reinvestigation. 
Equifax appears to rely solely on automated systems such as e-OSCAR rather than performing an actual manual review of disputed items or original records. This kind of automated verification process is insufficient under the FCRA, and can not meet the standard of a 'reasonable ' reinvestigation. 
Further, under FCRA 607 ( b ), Equifax has a legal obligation to ensure the maximum possible accuracy of the information they report. Maintaining a false bankruptcy on my record, with no documentation or proper validation, is a clear and damaging violation of that duty. This error has harmed my credit reputation, caused emotional distress, and denied me access to financial opportunities. 
I am also aware that in XX/XX/, the Consumer Financial Protection Bureau ( CFPB ) fined Equifax {$15.00} XXXX for failing to properly handle credit disputes and reinvestigations. My experience is consistent with those systemic issues and shows these practices are still ongoing. 
I am requesting the CFPB to require Equifax to immediately delete the inaccurate bankruptcy from my credit report, issue a full explanation of their investigation process, and hold them accountable for violating my rights as a consumer. If necessary, I am prepared to pursue compensation for damages under FCRA 1681n and 1681o. 
I have attached my formal dispute letter dated XX/XX/2025, which further outlines my concerns and demands. I respectfully ask the CFPB to investigate this matter and enforce compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is not my medical bill. They are reporting this on my credit report. They are falsely reporting inaccurate data about me. There is no such hospital named 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