vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 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: WY

Complaint narrative:
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX ss # XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX I have disputed account XXXX XXXX  account, # XXXX with balance {$26000.00} with transunion XXXX  and XXXX  5 Times and XXXX  and XXXX  have deleted this account but transunion is repo this account and is not doing a proper investigation because the repossession has been sold at auction and the balance is still reporting inaccurate inconsistent information please verify that this account has been deleted from XXXX  and XXXX  and please have TransUnion stop reporting inaccurate inconsistent information because it is severely hurting me from obtaining a new vehicle

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 2025-04-30 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:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this complaint to formally report the failure of one or more credit reporting agencies to correct inaccurate or misleading information on my credit report, despite multiple attempts to resolve the issue through the proper dispute channels. 

I have disputed the following inaccurate or misleading information with [ Experian / TransUnion / Equifax on multiple occasions, providing supporting documentation each time. 

Despite the evidence provided, the credit bureau ( s ) have either failed to investigate the dispute properly or have reinserted the inaccurate information without proper notice or justification. This continued inaccuracy is negatively affecting my creditworthiness, causing financial harm and limiting access to fair credit opportunities. 

I request that the CFPB review this matter and ensure that the credit reporting agencies fulfill their obligations under the Fair Credit Reporting Act ( FCRA ), including conducting a reasonable investigation, correcting or deleting inaccurate data, and providing proper documentation regarding the outcome of the dispute. 

I am attaching all relevant documents and correspondence for your review. Please let me know if any further information is needed.

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 2025-04-30 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:
I am submitting this complaint to formally report the failure of one or more credit reporting agencies to correct inaccurate or misleading information on my credit report, despite multiple attempts to resolve the issue through the proper dispute channels. 

I have disputed the following inaccurate or misleading information with [ Experian / TransUnion / Equifax on multiple occasions, providing supporting documentation each time. 

Despite the evidence provided, the credit bureau ( s ) have either failed to investigate the dispute properly or have reinserted the inaccurate information without proper notice or justification. This continued inaccuracy is negatively affecting my creditworthiness, causing financial harm and limiting access to fair credit opportunities. 

I request that the CFPB review this matter and ensure that the credit reporting agencies fulfill their obligations under the Fair Credit Reporting Act ( FCRA ), including conducting a reasonable investigation, correcting or deleting inaccurate data, and providing proper documentation regarding the outcome of the dispute. 

I am attaching all relevant documents and correspondence for your review. Please let me know if any further information is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: MO

Complaint narrative:
The account has charged off. I requested 1099-c from the company but ignored me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: TX

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-04-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX\n SSN: XXXX XXXXnTo Whom This May Concern, \nThis letter is a formal complaint that you are reporting completely inaccurate \nand misleading information on my credit report. This inaccurate information is \nnot only stopping me from obtaining credit, it is damaging my financial well\nbeing and seriously hurting my character. \nEnclosed with this letter are the details of the account in dispute, with all of my \npersonal information to verify my identity to help expedite this process. \nBy provisions of 15 US section 1681i of the Fair Credit Reporting Act, these \nitems need to be investigated. Please provide me with proof of these items, \nspecifically, the contract bearing my signature. Failing that, please update \nthe record to show as PAID IN FULL/AS AGREED or REMOVE this item from \nmy credit report as soon as possible. This is a very serious matter affecting \nmy everyday life. \nThe outlined item is completely inaccurate and a very serious error in \nreporting. Please update this information: \nAccount Name: XXXX XXXX XXXX XXXX XXXXnAccount Number: NOT AVAILABLE: AMOUNT ON MY PROFILE CLAIMING XXXXnThis account is listed as a collection/charged off account on my credit report \nbut I have never received a 1099C for this charged off debt. Can you please \nprovide me with a 1099C to accurately reflect this as a charge off for tax \npurposes and please update my credit report accordingly or delete \nimmediately. \nPursuant to 15 US section 1681i (6) (A) of the Fair Credit Reporting Act, \nplease provide me with the description of the procedure used to determine the \naccuracy and completeness of the information, to be provided within 15 days \nof the completion of your investigation. \nI appreciate your prompt attention to this matter as these may seem like small \nreporting errors to you but they are serious offenses on my report when it is \ntime to purchase a home for my family, a vehicle, look for a business loan or \neven to obtain employment. Please consider expediting this process for me. \nThank you. \nSincerely, \nXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX\n SSN: XXXX XXXXnTo Whom This May Concern, \nThis letter is a formal complaint that you are reporting completely inaccurate \nand misleading information on my credit report. This inaccurate information is \nnot only stopping me from obtaining credit, it is damaging my financial well\nbeing and seriously hurting my character. \nEnclosed with this letter are the details of the account in dispute, with all of my \npersonal information to verify my identity to help expedite this process. \nBy provisions of 15 US section 1681i of the Fair Credit Reporting Act, these \nitems need to be investigated. Please provide me with proof of these items, \nspecifically, the contract bearing my signature. Failing that, please update \nthe record to show as PAID IN FULL/AS AGREED or REMOVE this item from \nmy credit report as soon as possible. This is a very serious matter affecting \nmy everyday life. \nThe outlined item is completely inaccurate and a very serious error in \nreporting. Please update this information: \nAccount Name: XXXX XXXX XXXX XXXX XXXXnAccount Number: NOT AVAILABLE: AMOUNT ON MY PROFILE CLAIMING XXXXnThis account is listed as a collection/charged off account on my credit report \nbut I have never received a 1099C for this charged off debt. Can you please \nprovide me with a 1099C to accurately reflect this as a charge off for tax \npurposes and please update my credit report accordingly or delete \nimmediately. \nPursuant to 15 US section 1681i (6) (A) of the Fair Credit Reporting Act, \nplease provide me with the description of the procedure used to determine the \naccuracy and completeness of the information, to be provided within 15 days \nof the completion of your investigation. \nI appreciate your prompt attention to this matter as these may seem like small \nreporting errors to you but they are serious offenses on my report when it is \ntime to purchase a home for my family, a vehicle, look for a business loan or \neven to obtain employment. Please consider expediting this process for me. \nThank you. \nSincerely, \nXXXX 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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Subject : Request for Investigation and Correction of Inaccurate Personal Information on Credit Report Hello, I am writing to formally request an investigation and correction of inaccurate and potentially damaging information listed on my credit report. As required by the Fair Credit Reporting Act ( FCRA ), I am exercising my right to dispute inaccurate data and request an investigation to ensure the integrity and accuracy of the information reported under my name. 
Upon reviewing my credit reports, I have identified the following discrepancies in my personal information : 1. Inaccurate Name Variations : The following name variations are incorrectly listed on my credit report : XXXX XXXX XXXX These names are not accurate and may be the result of a typographical error or mis association. My full legal name is XXXX XXXX XXXX. I request the immediate removal or correction of these name entries. 
2. Incorrect and/or Inconsistent Addresses : Some addresses listed are either outdated or formatted inconsistently. Please review and remove any address not directly associated with me, My correct address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Below are the incorrect addresses shown on my consumer report : XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX These errors may impact my creditworthiness and do not reflect accurate personal or employment data. Please conduct a thorough investigation and provide a written response with the results of your findings. I expect all corrections to be made in compliance with the FCRA. 
Enclosed is a copy of my photo ID as verification of my identity. 
Thank you for your prompt attention to 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 2025-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I initiated a balance transfer from XXXX XXXX XXXX to pay my credit card account at PayPal for the amount of {$10000.00}. As the attachements show, the check was cashed by PayPal. However, I had to open a dispute about applying the amount to my credit card amount. I already mailed a copy of the cashed check to PayPal, but they still do not want to resolve the case and today I recieved the attached mail. They are basically asking me to mail them the check after I already did that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the accounts are accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15.U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 'S recent administrative proceeding ( file XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-04-30 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: MI

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 2025-04-30 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:
his CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block 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, inaccurate, and false information consists of XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Section XXXX Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of XXXX XXXX. XXXX. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I just found out after my complaint to CFPB that Wells Fargo committed Bank Fraud on me by using my Name And social security # and opened XXXX. XXXX XXXX XXXX Acct XXXX. XXXX XXXX XXXX Acct XXXX. XXXX XXXX XXXX Acct XXXX. XXXX Opportunity Sav Acct The third party that called me after I complained to CFPB is not Wells Fargo and she did tell me that XXXX accounts had been fraudulently opened and gave me phone numbers that died not do anything it goes in loops. But I am not a part of any lawsuit and that is not what I was complaining about I was trying to find out if they had in fact committed bank fraud against me and I just found out about it so I am requesting either the CFPB get them to a settlement prior to my own personal lawsuit as I don't have to prove the bank fraud a third party in requested by me informed me if the fraud I demand XXXX per felony committed against me all four felonies against me only costs them XXXX, XXXX I would like the CFPB to get me on the phone with a Wells Fargo Decision Maker that can settle their felonies against me on that phone call it's a fact that they did it it's a fact I just found out through CFPB and it's a fact if I don't get atleast that I file my own personal lawsuit in the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX I expect a call before XXXX at XXXX XXXX XXXXXXXX is when I file in the federal lawsuit. It has jurisdiction as I live in XXXXXXXX XXXX so I expect that a call will be made to me before then. Thank you 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