vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 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: GA

Complaint narrative:
To Whom It May Concern, This letter is a formal dispute under my rights provided by the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ). I am challenging the reporting of my Missouri Higher Education ( student loan ) accounts, which are inaccurately listed on my credit reports with alleged late payments and negative status updates.

I am currently an actively enrolled college student, which legally places my federal student loans in in-school deferment status. Under the Higher Education Act and Department of Education guidelines, no payments are required during this period. Therefore, any negative reporting or claim of delinquency is false, misleading, and unlawful. 



Violations and Grounds for Removal : XXXX. False Reporting By showing missed payments while I am in deferment, the furnisher is in violation of FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishing information known to be inaccurate. 
XXXX. Failure to Properly Investigate Previous disputes have not been properly investigated, violating FCRA 611 ( a ), which requires credit bureaus to conduct a reasonable reinvestigation and delete unverifiable data within 30 days. 
XXXX. Consumer Harm This ongoing inaccurate reporting is directly lowering my credit score, restricting access to housing, employment, and financial aid. This constitutes willful harm and negligent reporting under FCRA 616617, for which I reserve the right to pursue legal action for damages.

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 2025-09-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: OPTUM BANK, INC.
State: TX

Complaint narrative:
I made an excess contribution of {$3400.00} to my XXXX  Savings Account ( HSA ) at the Optum Bank in XXXX because of an expected change of employer in the second half of the year. I submitted the bank 's 'Excess Contribution and Deposit Correction Request Form ' in XX/XX/XXXX to request a withdrawalof {$3400.00} due to my excess contribution in XXXX. I made sure that my account has a balance of {$4000.00} or more. My request with the form was sent to the company 's e-mail address XXXX in XX/XX/XXXX and the receipt was confirmed by an auto-reply. There has not been a response regarding the withdrawal. I made at least XXXX phone calls to the company ( Optum Bank ) over the past six months aftermye-mail request. Each of the representatives on the phone calls acknowledged that my balance is sufficient for the withdrawal and indicated that they would process the withdrawal in 5 business days. However, I have never been notified with any follow up on the case, and the withdrawal request has not been processed as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
The bankruptcy appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

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 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: GA

Complaint narrative:
Complainant : XXXX XXXX XXXX XXXX Against : Aargon Agency / Reported by [ credit bureau ( s ) ] Summary of Complaint : I am filing a complaint against Aargon Agency for reporting inaccurate and unverifiable information on my credit report. 

Details : Date Opened : XX/XX/XXXX Reported Balance : {$4100.00} Violations include : 15 U.S.C. 1681e ( b ) : Credit bureaus must maintain maximum accuracy, yet this account is reported without sufficient documentation.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnisher is prohibited from reporting information it knows or should know is inaccurate.

15 U.S.C. 1681s-2 ( b ) : Once disputed, the furnisher must investigate and provide proof, or the account must be deleted.

15 U.S.C. 1692j : If this account is being collected without proper validation, it constitutes deceptive collection practices.

Requested Resolution : I request that the CFPB compel Aargon Agency and the credit bureaus to provide full validation ( signed contract, complete billing history, and proof of ownership/assignment ). If no such evidence exists, this account must be immediately deleted from all credit reports.

CFPB Complaint XXXX XXXX XXXX  Complainant : XXXX XXXX XXXX XXXX Against : XXXX XXXX XXXX/ Reported by [ credit bureau ( XXXX ) ] Summary of Complaint : I am disputing an account reported by XXXX XXXX XXXX that is inaccurate and unverifiable. 

Details : Date Opened : XX/XX/XXXX Reported Balance : {$740.00} Violations include : XXXX5 U.S.C. 1681e ( b ) : Bureaus are reporting inaccurate information without adequate verification.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnisher is reporting an account without proof of accuracy.

15 U.S.C. 1681s-2 ( b ) : This account must be verified with evidence or removed.

15 U.S.C. 1692j : Collection without validation is unlawful.

15 U.S.C. 1681m ( a ) : If this account contributed to any adverse action, I have not received a legally required explanation.

Requested Resolution : I request that the CFPB require XXXX XXXX XXXX and the reporting bureaus to provide legally sufficient validation of this account. If they can not produce a signed agreement and full documentation, I demand deletion of this tradeline.

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 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing accounts that have been fraudulently reported under my name. I never opened, authorized, or had any involvement with these accounts. Their inclusion on my credit report is inaccurate, harmful, and misrepresents my financial history.

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 2025-09-16 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: CA

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau because my credit report contains inaccurate and unverified information that is causing severe harm to my creditworthiness, access to credit, and overall financial stability. The Fair Credit Reporting Act ( FCRA ) under Section 602 and Section 611 gives me the right to dispute inaccurate, incomplete, or unverifiable information, and requires credit reporting agencies and furnishers to conduct a proper reinvestigation. Despite previous disputes, these items remain on my credit report without proper validation, which is a violation of my rights under federal law. I am requesting CFPB intervention to ensure compliance with FCRA, Fair Debt Collection Practices Act ( FDCPA ), and any other applicable consumer protection laws. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$340.00} | Date Opened : XX/XX/year> This account is being reported with late payments that are either incorrect or unverified. I have requested the original contract, billing statements, and payment history to validate these claims, but nothing has been provided. FCRA Section 611 requires deletion of any unverifiable information within 30 days, yet this data remains. The inaccurate reporting of late payments is lowering my credit score, reducing my available credit opportunities, and creating unfair bias against me when applying for credit. This continued reporting without proper verification constitutes negligent and potentially willful noncompliance under FCRA Section 616 and 617. Delete or correct these entries if you can not produce verifiable evidence.

Under FCRA 15 USC 1681i ( a ) I am requesting a full reinvestigation of all items mentioned above and deletion of any unverifiable, inaccurate, or incomplete information. Under 15 USC 1681e ( b ) the credit reporting agencies are required to maintain maximum possible accuracy, and continuing to report false addresses and unverifiable negative accounts violates that duty. I am asking the CFPB to step in and ensure compliance, enforce my rights, and require the bureaus and furnishers to correct or delete these items immediately. This complaint is submitted to protect my consumer rights and to hold furnishers and credit bureaus accountable under 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 non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally disputing, once again, the continued reporting of inaccurate, unverifiable, and incomplete information on my credit report. My file contains erroneous accounts, which constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are legally required to maintain maximum accuracy, and under 1681i ( a ), they are obligated to reinvestigate disputes within the required time frame. To date, no original source documentation has been provided to validate these accounts, and therefore, under FCRA 611 ( a ) ( 5 ) ( A ), any unverifiable or inaccurate information must be promptly deleted. Continued reporting without proper reinvestigation is a willful violation, subject to civil liability under 15 U.S.C. 1681n. As ruled in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), credit reporting agencies must go beyond a cursory investigation when a dispute is submitted, and failure to do so constitutes willful noncompliance. Additionally, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX emphasized that re-reporting previously disputed and unverified accounts can be deemed reckless disregard for FCRA obligations. I am also a victim of the XXXX XXXX XXXX, and I have serious reason to believe my personal information was compromised in the Dark Web and is now being misused without my consent. Therefore, I demand that you do not update, modify, or verify these accounts any further, and immediately remove all disputed data that can not be verified through legally sufficient evidence. This communication serves as a direct dispute and demand for compliance. For proper identification and processing, I have enclosed the following : A copy of my Drivers License, A utility bill as proof of current address, and Social Security card. Here is a list of inaccurate, unverifiable, and unauthorized information that must be thoroughly investigated and resolved : XXXXXXXX XXXX XXXXXXXX

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 2025-09-16 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: FL

Complaint narrative:
In accordance with the fair credit reporting ACT : XXXX XXXX XXXX  XXXX has violated my rigths 15U.S.Code 1681 section 602 A States I have the rigthto privacy 15 U.S.Code 1681 section 604 A Section 2 : it also states a consumer reporting can not furnish a account without my written instructions.

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 2025-09-16 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:
These inaccurate accounts are to be deleted within 15 days in accordance with USC 1681g.

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 2025-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I purchased on XXXX on XX/XX/year>. It was fraudulent. it was for us supposed XXXX XXXX XXXX XXXX watch in a pair of diamond earrings.The person I bought from sent me a fake XXXX watch there were diamond earrings included too, but didn't receive those either. The watch is fake, it was stated XXXX XXXX XXXX it's not I have contacted Synchrony bank many times to no avail got nothing from them. They just keep sending me a letter after letter. I feel like it's harassment. It's been a year and a half, and I'm still being treated as if the debt is mine and it's not.

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 2025-09-16 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: MI

Complaint narrative:
XXXX  TransUnion XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Type : Revolving Revolving Account Type - Detail : Secured credit card Credit line secured Bureau Code : Individual Individual Account Status : Open Open Monthly Payment : {$26.00} {$26.00} Date Opened : XX/XX/XXXXXXXX XXXXXX/XX/XXXX Balance : {$170.00} {$760.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$820.00} {$820.00} Credit Limit : {$870.00} {$770.00} Past Due : {$0.00} {$0.00} Payment Status : Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX Comments XXXX XXXX XXXX  Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX Two-Year payment history Legend Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FTC report XXXX XXXX FCRA 1681s-2 : Furnishers ( banks, lenders ) can not report inaccurate information.

FCRA 1681i : Bureaus must investigate disputes within 30 days.

FCRA 1681c-2 : You may block information that is fraudulent/identity theft.

15 U.S.C. 1666 ( Truth in Lending / Fair Credit Billing Act ) : Creditors must notify you of a payment due at least 21 days in advance ( relevant for your earlier late-payment issue ).

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 2025-09-16 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: MI

Complaint narrative:
XXXX XXXX Experian XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Type : Revolving Revolving Account Type - Detail : Secured credit card Credit line secured XXXX Code : Individual Individual Account Status : Open Open Monthly Payment : {$26.00} {$26.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$170.00} {$760.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$820.00} {$820.00} XXXX XXXX : {$870.00} {$770.00} Past Due : {$0.00} {$0.00} Payment Status : Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX Comments XXXX XXXX XXXX  Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX Two-Year payment history Legend Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA 1681s-2 : Furnishers ( banks, lenders ) can not report inaccurate information.

FCRA 1681i : Bureaus must investigate disputes within 30 days.

FCRA 1681c-2 : You may block information that is fraudulent/identity theft.

15 U.S.C. 1666 ( Truth in Lending / Fair Credit Billing Act ) : Creditors must notify you of a payment due at least 21 days in advance ( relevant for your earlier late-payment issue ).

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 2025-09-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I do all of my account activity via the online tool. I receive a message via goggle stating that Wells Fargo is closing accounts without alerting the consumer. I login and my saving account is closed. I thought I was crazy. They give me some XXXX XXXX  excuse stating that the phone number for the account is no longer active, when my checking accounts use the same phone number ( changed carriers ). The phone number has nothing to do with posting a message in the online messaging center. All activity regarding the account should post messages to the consumer. Message activity is present for all of my other accounts but not the account they decided to close. The rep stated the account was closed XX/XX/XXXX and that I should be receiving a letter in the mail. I received no notice or alert stating that the account would be closed for lack of activity and nor did I receive a message stating it was closed. Checking accounts that are charged fees for not maintaining a balance are charged fees and remain open forever, but savings accounts that are not are closed. I closed a checking account in XXXX, messages were generated indicating the account would be closed, messages were also generated indicating the account had been closed. It's being nearly XXXX weeks and I am doubtful that I will receive a letter. I really believe that Wells Fargo did not alert the consumer because they knew most consumers would would not approve of the account being closed and make a deposit. I endured the crime of Wells Fargo stealing from their consumers and monkeying around with my account ( California ) without permission years ago and now this. I have been with Wells Fargo for over 25 years. Enough is enough. It does not take a lot of effort to post a message using your online tool stating that my account could be closed for no activity, and then a message that it was closed. To use the excuse that it was on my statement, a document I haven't used in 15 years is unacceptable. That's why I use online. The fact that they use this explanation ( statement ) to justify the action is a clear indication that what they were doing would not sit well with the consumer. The ultimate solution for this is for me to switch to another bank. Wells Fargo will not learn,.

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 2025-09-16 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: Porsche Financial Services, Inc.
State: GA

Complaint narrative:
There are six fraudulent inquiries on my XXXX  Credit Report, which was not unauthorized by me. I have tried to correct this through the Credit reporting agency, but was not successful because they sent out a request to the company to remove the inquiry, but the inquiry was not removed. Therefore, I am submitting this complaint because my rights have been violated and I am giving the company one last chance to correct this important matter or be in violation of the law and be subject to {$1000.00} fine per occurrence. Please stay in compliance with 15 U.S.C. 1681 section 602 A. and 15 U.S.C. 1681 Section 604 A Section 2. 

The Inquiries Include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation