vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: AL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: NY

Complaint narrative:
I am a victim of identity theft. there are XXXX  XXXX accounts on my credit report. that are some type of error or fraudulent and belong to someone else. I dont have a XXXX  XXXX account. there is also fruaudlent accounts and other items showing

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 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I am paid semimonthly. I was automatically enrolled in early payday. 

XX/XX/XXXX I receive an email from Wells Fargo. Subject line : You just got paid early! The email states verbatim : Your deposit is available right now with early pay day. This amount will show as pending until your deposit is received, but you can use the money now. 

XX/XX/XXXX I began making payments towards bills and expense as normal after I read the email. Despite this, my ending balance on XX/XX/XXXX was - {$380.00}. 

XX/XX/XXXX paycheck actually posted, despite email received XX/XX/XXXX from WF stating my money was available now.

Nowhere was I notified that making any purchase on my card would result in a negative account balance. I would not have charged my card if Id known Id be negative. This was not communicated.
The email verbatim says the funds are available for use on XX/XX/XXXX. 

XX/XX/XXXX I called Wells Fargo customer service to inquire about why my account was negative on XX/XX/XXXX after receiving an email saying my funds were available for use on XX/XX/XXXX. The WF rep advised me to avoid making purchases on my card from the time I receive the early payday email from WF, and the time it actually posts to my account. I was told I should have waited until the XXXX to make a purchase on my card. The rep told me there was no way for me to opt out of early payday and theres no way for WF to decline my debit card if insufficient funds. 

XX/XX/XXXX I called WF and spoke to supervisor XXXX. I recorded this phone call and have the recording and transcript. I asked XXXX, what is the purpose of early payday if Wells Fargo advises against using my card until paycheck posts? 
XXXX responded, early payday is more beneficial for people who carry a balance in their account. For example, if they had {$1000.00} in their account when their direct deposit hits. 
XXXX states it was not iso much a matter of false advertising but a matter of you know whats in your account.

Wells Fargo admitted via audio recording that early payday is intended for people who have a financial cushion to carry like a {$1000.00} balance in their account before they get paid.

They wont allow me to opt out of early payday despite it bringing me into the negative. They will not set up my debit card or account to auto-decline if funds are insufficient.

I have the full audio but its too large to upload here. If needed I am happy to email it somewhere 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 2025-05-22 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: AZ

Complaint narrative:
There are late payment remarks on my credit report that are entirely inaccurate and misleading. Many of these accounts show a {$0.00} balance and no past due amountso how can they be marked late? These notations are unfairly harming my score, despite my history of maintaining financial obligations.

Under the FCRA, no account may be reported as delinquent unless it can be backed by verifiable proof, including original signed documentation. If no such proof exists, these remarks must be deleted immediately. Most of these items have already been corrected or removed by other major bureaus due to lack of verifiable evidence, raising concerns about why they remain.

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 2025-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Pa, XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Fraudulent Accounts - Identity Theft Victim Dear Credit Reporting Agency, I am writing to formally dispute several fraudulent accounts listed on my credit report. I am a victim of identity theft, and I did not authorize or make any charges associated with these accounts. The accounts I am disputing are as follows : XXXX. * * XXXX XXXX Account * * Account Number : XXXX Opened : XXXX XXXX. * * XXXX XXXX Account * * Account Number : XXXX Opened : XXXX XXXX. * * XXXX Account * * Account Number : XXXX Opened : XXXX XXXX. * * XXXX Account * * Account Number : XXXX Opened : XXXX XXXX. * * XXXX XXXX Account * * Account Number : XXXX Opened : XXXX I kindly request that you investigate these accounts and remove them from my credit report, along with any associated charges or debts. I have taken steps to report this theft to the authorities and have included a copy of my identity theft report for your records. Please confirm the removal of these fraudulent accounts and provide me with an updated copy of my credit report once the investigation is complete. Thank you for your prompt attention to this matter. If you need any further information or documentation, please do not hesitate to contact me at the information provided above. Attachments will be provided Sincerely, 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 non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Speed Investments LLC
State: WI

Complaint narrative:
While in the courtroom for a hearing the owner of Speed Investments LLC XXXX XXXX was very disrespectful and rude tried using manipulative tactics to resolve a debt asking questions that did not pertain to the debt or requested documents was threatened jail many times a very uncooperative individual

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am writing to formally express my deep dissatisfaction and frustration regarding the sudden and unexplained closure of my American Express credit card accounts, as well as the unjust forfeiture of my hard-earned rewards.

I have been a loyal American Express cardmember for over 12 years, maintaining a strong payment history and utilizing my cards responsibly. At the time of the account closures, I had accumulated : Over XXXX Membership Rewards points ( with significant value for travel and redemption options ). 

{$1000.00} in cash rewards on my American Express XXXX card. 

To my shock, my accounts were closed without any prior warning or valid explanation. When I contacted customer service, I was informed that my rewardswhich I had diligently earned over more than a decadewere forfeited entirely, with no opportunity for redemption.


This treatment is unacceptable for the following reasons : No Justification Provided I was given no clear reason for the account closures, nor any opportunity to address any potential concerns. Loss of Significant Rewards The forfeiture of nearly a million points and {$1000.00} in cashback constitutes a substantial financial loss, earned through years of spending and loyalty. Lack of Warning or Grace Period At minimum, I should have been given advance notice or a reasonable timeframe to redeem my rewards before account termination. I demand : A detailed explanation for the sudden closure of my accounts. Reinstatement or compensation for the forfeited rewards, given the complete lack of warning. If reinstatement is not possible, monetary reimbursement for the value of the lost rewards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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:
Following a data breach that compromised my personal information, fraudulent accounts have been reported on my credit file. Under Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), I request that these accounts be blocked and removed within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
From XXXX to XXXX there are an explained amount of inquiries for payday loans I never applied for. I need these inquiries removed as I never attempted to appt for any of the payday loans listed on my 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 explanation
Consumer complaint received 2025-05-22 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:
XXXX XXXX XXXX PLACED A INQUIRY ON MY CREDIT REPORT, I AM A VICTIM OF IDENITY FRAUD I DID NOT AUTHORIZE XXXX TO TOUCH MY CREDIT I WANT THIS INQUIRY REMOVED IMMEDIATELY

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 2025-05-22 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:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-05-22 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: MI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-05-22 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: FL

Complaint narrative:
Please block and delete the unauthorized accounts currently appearing on my credit report. I did not authorize or initiate them, and I am unaware of how they were added. Pursuant to USC 1681g, I formally request their removal within the next 15 days. Enclosed youll find the supporting documents for your review. Its also important to note that each credit bureau is reporting different and inaccurate information for these accounts.

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 2025-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX contacted my wife on or around XX/XX/year> on her cell phone about a credit card debt solely in my name. I did not give nor release her information to them. This is after and during repeated harassment by phone and mail and email. They still continue to harass us both.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I disputed several inquiries as noted on the fraud report attached and Experian did not investigate, they used their computer to send a code to another computer. I demanded to know WHO they actually spoke ( NAME OF THE PERSON VERIFYING ) with regarding the inquiries and they refused to provide that information to me. The inquiries in question are : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I suddenly checked my balance last night and discovered a {$320.00} charge and when I called American Express and spoke with Manager XXXX ( ID XXXX ) he stated that American Express increased the annual fees. 

I never got any notification from American Express in that regard. 

I then sent an email TO American Express and have not yet heard from them. 

The email I sent them is pasted below : Dear XXXX XXXX, XXXX this email finds you well. 

I am writing to formally lodge a complaint concerning the sudden imposition of a {$320.00} annual charge that was not communicated to me beforehand. This lack of transparency is highly concerning and unacceptable. As a committed customer for the past 12 years, discovering this unanticipated fee feels like a breach of trust and jeopardizes the strong customer relationship we have built over the years. 

My observation of this sudden charge today motivated my call to American Express, of which a transfer to XXXX XXXX - XXXX was unsatisfactory. 

Regrettably, if this issue is not promptly addressed and resolved, I feel compelled to escalate my concerns by reporting this incident to The Consumer Financial Protection Bureau ( CFPB Director ( XXXX XXXX XXXX ) ). It is my hope that by bringing this matter to your attention, we can find a mutually satisfactory resolution that upholds the principles of fairness and transparency. 

I urge you to investigate this matter urgently and provide me with an explanation for the unexpected annual charge. I value our relationship and trust that my loyalty and concerns will be taken seriously. 

Thank you for your attention to this critical matter. 

Very Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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