vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 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: CA

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 2025-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
XX/XX/XXXX Reported unauthorized charges made to my Truist credit card. XX/XX/XXXX received letter from Truist showing my claim was being investigated. On XX/XX/XXXX recieved another letter that they performed a review and this claim was credited by error. They closed my claim. I called them and they reopened the claim the letter was a mistake. On XX/XX/XXXX another letter from Truist showing all the transactions that where being deputed and removed from my credit card. On XX/XX/XXXX received another letter stating another transaction was resolved with merchant and charge removed. Received another letter on XX/XX/XXXX stating a XXXX charge had never posted to my account so they removed the transactions from the claim. On XX/XX/XXXX received another letter stating that all transactions had not been fraudulent charges. All charges would be put back on my account. On XX/XX/XXXX i spoke with Truist representative about this letter. The rep said that all my transactions had been done by using the chip payment method. I ask her how is that possible when all of the transaction where on online. She agreed was not possible. She reopened the claim to be investigated again. XXXX XX/XX/XXXX received another letter stating that evidence shows that i either participated in the transactions or i recieved benefit from it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: TX

Complaint narrative:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: IL

Complaint narrative:
Please help me to start an investigation for these accounts as these are reporting inaccurately on my credit report. Pursuant to USC 1681g, I am formally requesting their removal within 15 days. I have included all relevant documents for your review. Additionally, the account information being reported is inconsistent and inaccurate across the major credit bureaus

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am writing to file a formal complaint against Wells Fargo Bank , N.A . regarding false and inaccurate information they have reported to the credit bureaus in connection with my mortgage account, and their failure to correct this misinformation after being notified. 

Background : On XX/XX/XXXX, the property secured by my mortgage loan suffered a fire loss. 

On XX/XX/XXXX, the mortgage loan was fully paid off. I received a written acknowledgment from Wells Fargo, dated XX/XX/XXXX, confirming receipt of the full payoff amount. 

Despite this, Wells Fargo has reported late payments for XX/XX/XXXX and XX/XX/XXXX to the credit reporting agencies. These reports are not only inaccurate but also impossible, especially in light of the fact that the loan was paid in full in XX/XX/XXXX. 

Furthermore, my credit report currently shows the loan term as 1188 months ( 99 years ) an obvious and absurd error that only adds to the severity of this situation. 

Actions Taken : On XX/XX/XXXX, I formally wrote to Wells Fargo requesting that they correct this inaccurate reporting. Despite providing proof of the payoff and the discrepancies, they have refused to amend or remove the false information from my credit reports. 

Harm Caused : Due to this erroneous reporting : My credit score has been negatively impacted. 

I am experiencing undue stress and potential delays in future credit decisions or financial opportunities. 

The inaccurate reporting does not reflect the actual status or history of the account.

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 2025-08-01 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2025-08-01 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-01 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: MI

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 2025-08-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: MI

Complaint narrative:
I had a XXXX bill from XXXX. I moved to an area hat the cell phones didn't work. 
I canceled the contract with XXXX as i had phones that i wouldn't use. 
I settled this debt for less than the amount owed, {$2700.00} was paid in XXXX after fighting this with them for a year, but i settled the debt out of the total XXXX owed but it was supposed to be settled and closed. 
this was removed from my credit report and to what i know was settled. 

I am trying to purchase a house and now it is back on my credit report trying to be collected from XXXX. 
I have tried to resolve this, they are not investigating or listening to me. it is ruining my credit and i paid this and settled it out years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
In XXXX of XXXX, the XXXX XXXX XXXX put a collection for a XXXX XXXX account on my credit report. I used XXXX XXXX to help prove it was not mine and it was removed. Now XXXX  years later, XX/XX/XXXX, the same collections agency has placed the same account on my credit as a collection. I've spoken with XXXX XXXX using the information that Credence supplied me, and XXXX XXXX has absolutely no record of me in their files. I know this is fraudulent, but I needed to hear it yet again from XXXX XXXX. After I informed Credence that the creditor they used have no record of me, they contacted the credit bureau and changed the creditor 's name XXXX XXXX XXXX. I've had XXXX XXXX XXXX for about XXXX plus years and my account is outstanding and up-to-date. I reported it to XXXX  and they requested a Debt Validation Letter from Credence but they sent me a made piece of paper where they got some information off XXXX XXXXXXXX XXXX website and pasted it on the letter and sent it to me. I contacted XXXX XXXX and they found nothing matching what they had and had nothing on me as a customer. 
I'm still waiting to see what becomes of this and I hope it gets permanently resolved once and for all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: PA

Complaint narrative:
In XXXX, I filed a dispute through XXXX online system for two accounts that do not belong to me : XXXX. Discover Card Opened XX/XX/XXXX Charged off {$270.00} XXXX. XXXX XXXX XXXX Opened XX/XX/XXXX In collections {$1600.00} These accounts resulted from identity theft. My personal documents were stolen, and someone fraudulently used my information. I submitted a dispute online, but Experian responded stating the accounts will remain on my credit report until XXXX. 

I am now submitting a formal written dispute with supporting documents ( ID + proof of address ), requesting that these accounts be permanently deleted under the Fair Credit Reporting Act ( FCRA ). 

I am requesting the CFPB to step in and help enforce my right to accurate reporting. I should not be held responsible for accounts I never opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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:
Hi there, I need your assistance with some accounts that have shown up on my credit report. I didnt create or approve them, and I wasnt notified when they were added. In line with USC 1681g, Im requesting that they be removed within the next 15 days. Ive included documents that explain my situation.

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 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/2025 I purchased two ViP tickets to attend XXXX XXXX XXXX XXXX This purchase was clearly made from atm debit bank from my chase account of the amount of XXXX. XXXX XXXX  was declared to be a PRODUCT SCAM! and I never attended anything in XXXX once before in this nature. Before disputing this mishap with my bank I went after root picnic or the front gate tickets sale for refund purposes because of all the lies told for non services not given for the tickets purchased. I have proof of emails and complaints but no reply. I filed a dispute with my bank they reward the money back but turn around and reverse it asking for proof that I purchased the tickets. I sent them in all proof of my purchase etc The still deny my claim saying the need proof that I received failed services. My only question is how to prove it in real time when the service I had VIP was a no wait line I was in line for 4hours? all my emails detailed every complaint down to security breach etc The true problem is chase can not get there money back from roots picnic like I couldn't so I proceeded to dispute my bank. Which left my account in overdraft of XXXX dollars. Please help and the service at chase has been don't nobody know anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-08-01 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: GA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: GA

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 2025-08-01 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:
I am writing to file a formal complaint against XXXX XXXXXX/XX/XXXXXXXX. regarding false and inaccurate information they have reported to the credit bureaus in connection with my mortgage account, and their failure to correct this misinformation after being notified. 

Background : On XX/XX/XXXX, the property secured by my mortgage loan suffered a fire loss. 

On XX/XX/XXXX, the mortgage loan was fully paid off. I received a written acknowledgment from XXXX XXXX, dated XX/XX/XXXX, confirming receipt of the full payoff amount. 

Despite this, XXXX XXXX has reported late payments for XX/XX/XXXX and XX/XX/XXXX to the credit reporting agencies. These reports are not only inaccurate but also impossible, especially in light of the fact that the loan was paid in full in XX/XX/XXXX. 

Furthermore, my credit report currently shows the loan term as 1188 months ( 99 years ) an obvious and absurd error that only adds to the severity of this situation. 

Actions Taken : On XX/XX/XXXX, I formally wrote to XXXX XXXX requesting that they correct this inaccurate reporting. Despite providing proof of the payoff and the discrepancies, they have refused to amend or remove the false information from my credit reports. 

Harm Caused : Due to this erroneous reporting : My credit score has been negatively impacted. 

I am experiencing undue stress and potential delays in future credit decisions or financial opportunities. 

The inaccurate reporting does not reflect the actual status or history of the account.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXXXX/XX/XXXXXXXX. regarding false and inaccurate information they have reported to the credit bureaus in connection with my mortgage account, and their failure to correct this misinformation after being notified. 

Background : On XX/XX/XXXX, the property secured by my mortgage loan suffered a fire loss. 

On XX/XX/XXXX, the mortgage loan was fully paid off. I received a written acknowledgment from XXXX XXXX, dated XX/XX/XXXX, confirming receipt of the full payoff amount. 

Despite this, XXXX XXXX has reported late payments for XX/XX/XXXX and XX/XX/XXXX to the credit reporting agencies. These reports are not only inaccurate but also impossible, especially in light of the fact that the loan was paid in full in XX/XX/XXXX. 

Furthermore, my credit report currently shows the loan term as 1188 months ( 99 years ) an obvious and absurd error that only adds to the severity of this situation. 

Actions Taken : On XX/XX/XXXX, I formally wrote to XXXX XXXX requesting that they correct this inaccurate reporting. Despite providing proof of the payoff and the discrepancies, they have refused to amend or remove the false information from my credit reports. 

Harm Caused : Due to this erroneous reporting : My credit score has been negatively impacted. 

I am experiencing undue stress and potential delays in future credit decisions or financial opportunities. 

The inaccurate reporting does not reflect the actual status or history of the account.

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 2025-08-01 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:
I discovered that my personal information was used without my consent to open accounts or make unauthorized purchases. I did not initiate or authorize any of the transactions or accounts associated with my name. I believe my identity was compromised through theft or fraud, and I immediately took steps to report the issue to the authorities and the affected companies. Despite these efforts, the companies involved have not fully resolved the matter or removed the fraudulent charges and accounts from my credit report.

Company response to consumer: Closed with explanation