vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-06 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:
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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-10-06 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: GA

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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: IN

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-10-06 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: IN

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Formal Legal Dispute Letter [ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX Florida XXXX ] [ XX/XX/XXXX ] [ TransUnion [ XXXX XXXX XXXX ] [ XXXX PA XXXX ] Re : Formal Dispute of Credit Report Entry Pursuant to 15 U.S.C. 1681i Dear TransUnion ], NOTICE IS HEREBY GIVEN that I am disputing the following entry on my credit report, which is being reported inaccurately and in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

- Account Name : [ XXXX XXXX - Account Number : [ XXXX - Date of Entry : [ XX/XX/XXXX - Reason for Dispute : This entry is inaccurate because Payments and balance Pursuant to 15 U.S.C. 1681i, I demand that you conduct a reasonable investigation into the accuracy of this entry and correct the error. I also demand that you delete the entry from my credit report if it can not be verified. 

Please respond to this dispute in writing, as required by 15 U.S.C. 1681i, and provide me with the results of your investigation. If the dispute is resolved in my favor, please provide me with a copy of the updated credit report. 

Sincerely, [ XXXX XXXX ] - 15 U.S.C. 1681i : XXXX in case of disputed accuracy - FCRA : Regulates credit reporting agencies and provides consumer protections

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 2025-10-06 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I am filing a complaint regarding an unauthorized hard inquiry from Ally Financial, dated XX/XX/year>, as reflected on my credit report. 

I have never applied for any credit, loan, or financing with Ally Financial, nor did I authorize themverbally or in writingto access my credit report. I do not have a current or past relationship with this company that would justify this inquiry. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a credit inquiry can only be made if there is a permissible purpose, such as an application for credit initiated by the consumer. Since I did not request any credit from Ally Financial, this inquiry was made without my consent, and appears to be a violation of my consumer rights. 

I respectfully request the following : That Ally Financial provide documented proof ( such as a signed credit application ) confirming that I authorized this inquiry. 

If no such authorization exists, I request that the inquiry be removed immediately from all credit reports under FCRA 611 ( a ). 

That the CFPB investigate whether this was an error, misidentification, or potential identity misuse, and take appropriate enforcement action. 

This hard inquiry is negatively impacting my XXXX XXXX and was not lawfully initiated by me. I request full resolution and protection of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am filing a complaint regarding XXXX XXXX handling of a fraud claim on my account # XXXX. 
On XX/XX/year>, I reported unauthorized/fraudulent transactions totaling {$9600.00} that I did not authorize, benefit from, or consent to. Despite providing notice promptly and following the banks dispute process, Wells Fargo denied my claim on XX/XX/year>. 
Wells Fargo has not provided adequate documentation of its investigation or explanation of how it determined that I was liable for fraudulent charges. Under Regulation XXXX ( XXXX CFR XXXX ), financial institutions are required to conduct a reasonable investigation of unauthorized electronic fund transfers and provide consumers with the information relied upon to make their decision. 
To date, Wells Fargo has failed to : Provide me with its investigation report or supporting documentation, despite my written and verbal request. 
Reimburse me for the unauthorized charges, as required by law. 
XXXX XXXX : I am requesting that the CFPB assist in compelling Wells Fargo to : XXXX. Provide documentation of its investigation. 
XXXX. Reimburse me for the unauthorized transactions in the amount of {$9600.00}. 
XXXX. Correct any related fees or negative consequences resulting from these fraudulent charges. 

The disputed transactions were not authorized by me. I did not provide my PIN, online banking login, or consent for these charges. Below is a quick summary of what happened. 

XXXX. First charge happened on XX/XX/year> at XXXX for {$820.00} Invoice XXXX XXXX. Second charge happened on XX/XX/year> at XXXX for {$4500.00} Invoice XXXX XXXX. Third charge happened on XX/XX/year> at XXXX for {$4300.00} XXXX XXXX XXXX. Fourth charge ( DID NOT GO THROUGH ) happened on XX/XX/year> at XXXX for {$2500.00} Invoice XXXX XXXX. Called bank immediately approximately XX/XX/year> at XXXX to report fraud XXXX. Bank credited back account XX/XX/year> at XXXX temporarily XXXX. Bank completed investigation and reversed credit XX/XX/year> XXXX. I called and filed an appeal XXXX. I requested documents merchant provided as proof on XX/XX/year> XXXX. Called provided number from bank for the merchant and emailed a. ( XXXX ) XXXX b. XXXX XXXX. This is the other email XXXX XXXX. Website : https : //simplyfoodsbycourtney.com/ NOTE : Scammers used a business simular and removed a letter from the email so it looks the same. Also, business is a tax, accounting, & financial services. Ordering {$9600.00} of an online cooking classes does not align. 

XXXX. I found a merchant with the same name through XXXX which he seems to not be aware of it. 

XXXX. XXXX found does not sell online cook books. XXXX a food truck.

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 2025-10-06 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: NY

Complaint narrative:
I am writing to advise that I am a victim of trafficking. 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 trafficking. 
ACCOUNTS : XXXX XXXX AUTO - XXXX * * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX * XXXX * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$3500.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/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 2025-10-06 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: NY

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : XXXX XXXX  : XXXX XXXX AUTO - XXXX * * * * * * * * * * * * * * * XXXX XXXX XXXX XXXX * * * * * * * * * * * * * * XXXX XXXX XXXX : XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX 2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: MD

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 2025-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello, on XX/XX/XXXX I had a check made payable to my childs daycare, Tiny thinkers, for the amount of {$1200.00} that was lost. I looked at my bank account in the morning and someone deposited the check that wasnt my daycare ( whom verified they did not receive a check and they usually stamp the checks they receive ). My bank cleared the check and im not able to get any info on it. I know its early, but I am a single mom of XXXX and that amount is a hard amount to live without. for the next XXXX weeks. Ive written out checks to my daycare multiple times before and have a copy of the the check that was deposited on Friday with a signature the daycare does not recognize. I didnt think it was possible for my bank to clear a check that was deposited into someone elses account. If its possible XXXX just writing to see if I can get the process expedited as soon as possible .. thank you so much and hope you understand.

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 2025-10-06 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: CA

Complaint narrative:
This account has nothing to do with me and is being reported in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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 am filing a formal dispute because my credit report contains inaccurate information that does not meet the XXXX XXXX XXXX Acts requirement of maximum possible accuracy. These errors are harming my credit, creating ongoing financial strain, and causing significant emotional distress. This complaint is legitimate and requires immediate attention.

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 2025-10-06 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:
Despite my previous dispute, this account is still reporting incorrect and incomplete information. I request that you provide me with the description of procedures within 15 days of receiving this notice. If you can not comply, you must delete the disputed accounts. I have attached my written request for the description of procedures.

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 2025-10-06 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: AL

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I made a XXXX dollar payment toward my American Express Credit Card account. On XX/XX/year>, I made another payment of XXXX dollars to pay my XXXX statement early. After that payment, my account showed a zero-dollar minimum payment due. Despite this, on XX/XX/year>, American Express attempted to withdraw another XXXX dollars through XXXX. This created a duplicate debit attempt, caused a returned payment fee, and led to my card being restricted. 

The XX/XX/XXXX transaction came from the XXXX system, which was active at the time but was canceled on XX/XX/year>, because I lost confidence in the reliability of XXXX XXXX automated payment process after this incident. Several customer service representatives told me that the XX/XX/XXXX payment was a manual scheduled payment, which is not true. I never scheduled that payment manually. My payment history clearly shows only my early manual payment on XX/XX/year>. My bank, XXXX XXXX, confirmed there were no pending or active ACH transactions from American Express after the returned payment, meaning the system was attempting to collect funds that did not exist. 

Between XX/XX/XXXX and XX/XX/year>, I contacted American Express multiple times through chat support to resolve this issue. I explained what happened several times, but my statements were repeatedly disregarded, and I received conflicting and inaccurate explanations of how XXXX works. A representative named XXXX XXXX confirmed that chat transcripts are stored for XXXX months on the portal but also said American Express does not currently have that option to provide customers with a copy. He did, however, provide me with the conversation ID ( ID # : XXXX ). I would like to note that, although the representative assured me chat transcripts are available to view for twelve months, I have attempted to log in and screenshot the transcript only to discover that it is not yet available for viewing. Thankfully I have independently preserved the entire chat transcript ( via video recording ) for my records and am willing to submit it upon request. The full transcript fully demonstrates how outrageous and unacceptable their handling of this situation was. It also highlights how their representatives attempted to gaslight me by repeatedly ignoring my statements and concerns and making self-contradictory statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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