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: 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: TX

Complaint narrative:
My credit file contains several entries that are the direct result of criminal identity fraud, as I have never signed any documentation or given authorized consent for these accounts to be opened in my name. I have previously notified your organization about this serious situation and am now demanding the immediate deletion and suppression of these unauthorized accounts from my credit profile. The ongoing presence of these false entries has created substantial personal hardship and financial barriers, wrongfully misrepresenting my actual payment history and credit obligations. Unless this matter receives appropriate resolution, I will be forced to explore all available legal remedies to protect my consumer rights and seek proper redress. These illegitimate credit items have severely impacted my ability to secure essential financing for critical life goals, including home acquisition and providing adequate support for my family 's financial wellbeing.

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Experian 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 : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT 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

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: GA

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c2 ( Section 605B ), I am formally demanding the immediate removal, deletion, and blocking of the fraudulent accounts and inquiries listed on my credit report. This request is submitted under the protection of federal law due to verified identity theft and exposure of my personal information during the Equifax data breach, which significantly compromises the accuracy and integrity of the data being reported. Under Section 605B, the credit reporting agency is legally obligated to block and remove this information within four ( 4 ) business days upon receipt of a valid identity theft report. Failure to comply constitutes a direct violation of the FCRA and subjects your agency to regulatory consequences and potential legal action. This is a final and urgent demand for compliance. Please confirm the removal in writing and issue updated copies of my credit report reflecting these changes. Thank you for your prompt attentiontothismatter.

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: GA

Complaint narrative:
Subject : Independent Reinvestigation Duplicate XXXX tradelines ( opened XX/XX/year> ) Your file lists XXXX open XXXX credit cards from XX/XX/year> ( families XXXX ) with different limits/balances ( $ XXXX {$10000.00} and $ XXXX {$8900.00}, last reported XX/XX/year> and XX/XX/year> ). If these are not distinct contracts, this is a duplicate inflating utilization. 
Law : 607 ( b ) ; 611 ; Reg V ; XXXX. Metro 2 : Consumer Account Number ( uniqueness ), Credit Limit, Current Balance, Date of Account Information. 
Demand : Produce evidence of XXXX separate contracts ( distinct account numbers/contracts and running ledgers ). If not, delete/suppress the duplicate and correct utilization. All late months are disputed ; codes proof. Enclosures : ID ; address proof ; highlighted XXXX pages. 
Letter XXXX XXXXXXXX XXXX ( Acct XXXX ) XXXX mismatch (  {$20.00} vs {$2.00} at XXXX ) ( Same headers as XXXX ) Subject : XXXX XXXX XXXX XXXX Equifax shows XXXX {$20.00} ; XXXX show {$2.00}. This discrepancy is material to XXXX. 
Law : 607 ( b ) ; 611 ; Reg V ; XXXX. Metro 2 : XXXX 
Demand : Independently verify XXXX with furnisher source records ; correct or delete. All late months are disputed ; running ledger demanded. Codes are not proof. Enclosures : ID ; address proof ; highlighted cross-bureau pages. 
Letter XXXX XXXX XXXX XXXX ( Acct XXXX ) collection : DOFD/as-of defects ( Same headers as XXXX ) Subject : Independent Reinvestigation XXXX XXXX XXXX XXXX & reporting defects ( Acct XXXX ) XXXX  shows Collection/Unpaid ( Last Reported XX/XX/year> ) while XXXX shows XX/XX/year> and ( wrongly ) as an Open account. DOFD is not shown.

Law : 607 ( b ) ; 611 ( a ) ( 1 ) ( A ) ; 611 ( a ) ( 5 ) ( A ) ; Reg V ; FDCPA 1692e ( 8 ) ; XXXX. Metro 2 : DOFD, Account Status/Portfolio Type, Date of Account Information, Original Creditor Name.

Demand : Verify and populate DOFD and correct any as-of staleness ; if unverifiable with source records, delete under 611 ( a ) ( 5 ) ( A ). All late months disputed ; running ledger demanded ; codes proof.

Enclosures : ID ; address proof ; highlighted XXXX pages. 
Letter XXXXXXXX XXXX : XXXX & stale as-of ( Same headers as XXXX ) Subject : Independent Reinvestigation XXXX inconsistencies XXXX  shows Open Account / XXXX {$1800.00} ( Last Reported XX/XX/year> XXXX, XXXX  shows XX/XX/year>, and XXXX shows Installment / {$0.00}. At least XXXX file is wrong/out-of-date. 
Law : XXXX ( b ) ; XXXX ; XXXX XXXX ; XXXX. 
Metro 2 : Account Type, XXXX, Date of Account Information, Terms.

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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This complaint is being filed under the Fair Credit Reporting Act ( FCRA ) 1681i and 1681s-2, as well as Metro 2 Compliance Guidelines, for the continued reporting of inaccurate and unverifiable information by the credit bureaus and the furnishers listed above. 
I have sent XXXX separate dispute letters since XX/XX/year>, with the most recent mailed on XX/XX/year>. I have not received any proper responses or proof of reinvestigation from any credit bureau or data furnisher. 
The following violations apply : Failure to properly reinvestigate disputes ( 1681i ) Continued reporting of inaccurate or unverifiable information ( 1681s-2 ( b ) ) Failure to maintain reasonable procedures to ensure maximum possible accuracy ( 1681e ( b ) ) Non-compliance with Metro 2 standards, which require furnishers to update, correct, or delete unverifiable data XXXX XXXX and XXXX continue to show as charge-offs or derogatory accounts even though the balances have been resolved. XXXXXXXX XXXX is still showing a XXXX late payment, but the account was closed in good standing with no balance owed. These are factually inaccurate and have remained on my credit report despite multiple disputes. 
Under FCRA 611 ( a ) and Metro 2 standards, furnishers are required to provide documentation proving accuracy or delete the information if it can not be verified. Since no verification has been provided within the required timeframe, I am requesting immediate deletion of these accounts, not correction.

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 — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
We have been customers of wells fargo for years and I set up auto bill pay in XX/XX/XXXX for XXXX XXXX. XXXX of XXXX Wells Fargo failed to send the required payment to XXXX XXXX even though there was enough funds in the banks to cover the bill. XXXX XXXX will not adjust their bill, and wells fargo denied the claim for {$5.00} for the fee i had to pay to XXXX XXXX Since this was not my fault, I'm asking wells fargo to refund the {$5.00}. I have filed XXXX claims on this as of right now with the bank, XXXX being denied already.

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 2025-10-06 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: NV

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX AXXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$820.00} XXXXXXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$220.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCredence Resource ManagementXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDear Credence Resource Management,\n\nI am writing regarding the above-referenced accounts. Pursuant to my rights under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.  1692 et seq., I demand that you immediately cease and desist all communication with me regarding these accounts.\n\nI do not consent to further contact via phone calls, text messages, emails, or letters from Credence Resource Management or any third-party representatives, except as permitted by law (such as a notice of specific legal action)XXXXPlease be advised that continued communication after receipt of this letter will be considered harassment and a violation of my rights under federal law. If such actions persist, I will take further action, including filing formal complaints with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and my State Attorney Generals OfficeXXXX expect written confirmation within 15 days that Credence Resource Management will comply with this cease and desist demandXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I am writing to you to see if there is anything that you could do to help me. In XX/XX/XXXX I filed a complaint against Bank of America. The case no. for that submission is XXXX. At that time thee foreclosure sale ddate was canceled and I was able to file a modification. By XX/XX/XXXX I was transfered to XXXX Mortgage. They gave me the modification but the problem I have is that Bank of America had me file for modification over and over from XXXX until XXXX. Bank XXXX XXXX would not take partial payments for those XXXX years. I also had XXXX different HUD counselors but still was denied for reasons that did not concern me. I had been hospitalized from XXXX XXXX. I had all of my documents and was still denied. I have been in my house for 29 years and still owe {$150000.00} when I should have almost paid my house off. This is because for 7 years Bank of America would not accept any payments for those 7 years. Is there anything that I could do to remedy this situation? Thank you for your consideration in 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 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXX * XXXX, Date Opened : XX/XX/year>, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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 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: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$6400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding XXXX handeling of Despites particularly in light of CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting descreptancies my financial institution and Zelle have failed to investigate my claims adequately. They inform me that recovering lost funds was impossible to track and that tracking these transaction is unfeasible. The CFPB finings indicate that Zelle not only has neglected to protect consumers but have also allowed repeated offenders to exploit the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am writing to you regarding your continued collection activities on an alleged debt that you claim I owe. Let me be absolutely clear : I dispute this debt and I am now formally invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

Company response to consumer: Closed with explanation