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

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX Date : XX/XX/XXXX To : TransUnion Subject : Dispute of Inaccurate Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear TransUnion I am writing to dispute inaccurate information listed on my credit report regarding the following account : Creditor : XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Type : Collection Balance : {$720.00} Date Opened : XX/XX/XXXX Date Last Reported : XX/XX/XXXX Account Status : Derogatory Collection/Charge-off Comments : Account information disputed by consumer, meets FCRA requirements. 
I am formally requesting a reinvestigation of this account under the Fair Credit Reporting Act ( FCRA ). I do not acknowledge the validity of this account as reported and request the following : Documentation validating that this account is accurate and belongs to me, including the original signed agreement and itemized billing statements. 
The legal basis for continuing to report this account as a charge-off or collection account. 
If verification can not be provided, I request this item be deleted from my credit report immediately. 
Additionally, I noticed that this account reflects no payment history or date of last payment, and yet is marked active and derogatory. This inconsistency raises further concerns about the accuracy of the reporting. 

Please complete the investigation within 30 days and notify me of the results in writing, including the name and contact information of the entity that verified the information, or confirmation that the item has been removed. 

Thank you for your prompt attention to this matter. 

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 non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: GA

Complaint narrative:
Chime closed my XXXX XXXX without my permission. I called them and the employee I spoke with completely drained my account of all funds. He took {$320.00} out of my account. I was on the phone with him for over an hour. When he rooms the money he disconnected. I called back and spent another hour on the phone with 5-6 different representatives. I filed a dispute because I did not authorize either transaction. They denied my dispute and advised they investigated it and they claim I authorized it. I did NOT authorize it! I need my money back. I dont even care if the account gets opened back up.

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

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. 

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 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 XXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 ) ( 1 ) 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 2025-06-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XX/XX/XXXX, XXXX XXXX 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 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 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

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

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XX/XX/XXXX, XXXX XXXX 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 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 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

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 2025-06-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
b'OXXXX XXXX XXXX we deposited a check from XXXX XXXX XXXX in the amount of XXXX  the deposit receipt said funds were available next day XXXX XXXX.  We had put money down on used motorhome to reside in over the summer.  when we went to get a certified check from Wells Fargo Bank in XXXX XXXX, we were told the funds were on hold due "insufficient funds" by XXXX XXXX I contacted the head of escrow for XXXX XXXX and was told that was impossible!  Numerous text messages, emails and phone calls did nothing to resolve this issue.  We are homeless and in a motel until XXXX XXXX when WFB says they will release the funds.  My husband is an XXXX year old veteran and the stress and anguish has caused is horrible.  We have banked at Wells Fargo for XXXX.  No one has ever heard of this before, our realtor, closer and XXXX XXXX  Please help us.  Thank you.  XXXX and 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 2025-06-08 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: GA

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. 

XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX  XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX XXXX - 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 OF XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX - XXXX 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 ) ( 1 ) 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 non-monetary relief
Consumer complaint received 2025-06-08 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: IL

Complaint narrative:
RE : FINAL DEMAND IMMEDIATE DELETION OF FRAUDULENT ACCOUNTS DUE TO IDENTITY THEFT This letter serves as a final demand for the immediate removal of two fraudulent accounts that remain on my credit reports despite your prior receipt of a complete identity theft dispute with all required documentation. 

The fraudulent accounts are as follows : Fifth Third Bank NA Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX I am the victim of identity theft. I did not apply for, authorize, open, use, or benefit from these accounts in any way. These tradelines were created without my knowledge or consent, and your continued reporting of them is reckless, harmful, and unlawful. 

Previously, I submitted a full dispute package to all three bureaus that included : A copy of my government-issued identification A recent utility bill showing my current address A police report and/or FTC Identity Theft Report A signed statement of fraud Also PROOF that my information was part of the equifax data breach.

Your failure to block and remove these fraudulent accounts is a direct and willful violation of federal law.

Legal Basis for Immediate Deletion : Under the Fair Credit Reporting Act ( FCRA ) : FCRA 605B ( 15 U.S.C. 1681c2 ) requires you to block all information resulting from identity theft within 4 business days of receiving proper documentation.

Your failure to comply violates my rights under federal law and exposes your agency to civil liability.

Under FCRA 616 and 617, I am entitled to pursue : Actual damages Statutory damages up to {$1000.00} per violation Punitive damages Attorneys fees DEMAND FOR RELIEF : You are hereby instructed to : 1. Immediately delete and permanently block the following accounts from all of my credit reports : Fifth Third Bank NA Account Number : XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX. Provide written confirmation from each bureau that these accounts have been deleted. 
3. Issue an updated copy of my credit report reflecting these removals.

FAILURE TO COMPLY : If these accounts are not fully deleted within 10 business days from the date of this notice, I will initiate the following actions without further warning : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Illinois Attorney Generals Office Retain legal counsel to pursue action against your agency for willful noncompliance under the FCRA You are now on notice. Continued reporting of these fraudulent accounts is not only unlawful, but constitutes negligent and willful harm to my financial reputation. 

Comply immediately. This is your final opportunity to avoid legal consequences.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: PA

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. 

XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX XXXX - XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXXXXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 ) ( 1 ) 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 2025-06-08 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: IL

Complaint narrative:
RE : FINAL DEMAND IMMEDIATE DELETION OF FRAUDULENT ACCOUNTS DUE TO IDENTITY THEFT This letter serves as a final demand for the immediate removal of two fraudulent accounts that remain on my credit reports despite your prior receipt of a complete identity theft dispute with all required documentation. 

The fraudulent accounts are as follows : Fifth Third Bank NA Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX I am the victim of identity theft. I did not apply for, authorize, open, use, or benefit from these accounts in any way. These tradelines were created without my knowledge or consent, and your continued reporting of them is reckless, harmful, and unlawful. 

Previously, I submitted a full dispute package to all three bureaus that included : A copy of my government-issued identification A recent utility bill showing my current address A police report and/or FTC Identity Theft Report A signed statement of fraud Also PROOF that my information was part of the equifax data breach.

Your failure to block and remove these fraudulent accounts is a direct and willful violation of federal law.

Legal Basis for Immediate Deletion : Under the Fair Credit Reporting Act ( FCRA ) : FCRA 605B ( 15 U.S.C. 1681c2 ) requires you to block all information resulting from identity theft within 4 business days of receiving proper documentation.

Your failure to comply violates my rights under federal law and exposes your agency to civil liability.

Under FCRA 616 and 617, I am entitled to pursue : Actual damages Statutory damages up to {$1000.00} per violation Punitive damages Attorneys fees DEMAND FOR RELIEF : You are hereby instructed to : 1. Immediately delete and permanently block the following accounts from all of my credit reports : Fifth Third Bank NA Account Number : XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX. Provide written confirmation from each bureau that these accounts have been deleted. 
3. Issue an updated copy of my credit report reflecting these removals.

FAILURE TO COMPLY : If these accounts are not fully deleted within 10 business days from the date of this notice, I will initiate the following actions without further warning : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Illinois Attorney Generals Office Retain legal counsel to pursue action against your agency for willful noncompliance under the FCRA You are now on notice. Continued reporting of these fraudulent accounts is not only unlawful, but constitutes negligent and willful harm to my financial reputation. 

Comply immediately. This is your final opportunity to avoid legal consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: Experian Information Solutions Inc.
State: TX

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 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 ) ( 1 ) 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 2025-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: GA

Complaint narrative:
I have a business credit card with US Bank. I used their promotional balance transfer offer. However, my promotional balance is due in XX/XX/XXXX and I have a balance for purchases due in XX/XX/XXXX. US Bank is applying all of my payments to the XXXX due date balance instead of the purchases balance that has the closest maturity date. I have called US Bank and asked that they apply my payments to the purchases balance that matures on XX/XX/XXXX. However I was told they couldnt do this. This seems unfair as US Bank is essentially ensuring that if I dont Pay off the balance transfer balance first then I could Incur fees on the purchases balance. Also, if one balance is due/matures on XX/XX/XXXX, then US Bank should apply my payments to the balance that matures first ( on XX/XX/XXXX ). Please look into 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 2025-06-08 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: CA

Complaint narrative:
I have been disputing fraudulent accounts reporting for over a year now!!! With no resolution. Credit bureau keep saying its verified but wont supply the documents that show myself opened the account with my signature and etc

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 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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

Company response to consumer: Closed with non-monetary relief