vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-10 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: WY

Complaint narrative:
This supplemental complaint documents TransUnion LLC 's willful failure to complete a statutorily mandated reinvestigation within XXXX days, despite comprehensive documentation demonstrating mathematical impossibility in credit reporting and federal bankruptcy discharge violations. As of XX/XX/year>, TransUnion has exceeded the statutory deadline and failed to delete demonstrably fraudulent accounts. 

TransUnion 's failure to delete mathematically impossible and legally discharged debt reporting, despite comprehensive documentary evidence and expiration of the statutory thirty-day deadline, constitutes willful violation of the Fair Credit Reporting Act and federal bankruptcy law requiring immediate supervisory intervention. 

SEE ATTAHCED DOCUMENTS FOR MORE DETAILS

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 2025-10-10 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: MD

Complaint narrative:
This letter serves as a formal demand for the immediate deletion of fraudulent accounts from my credit report, which were opened without my knowledge or consent. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to investigate and remove these inaccuracies within 15 days. Relevant documentation is enclosed to support this request.

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 2025-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
The company must explain what they did, provide documents, or state how theyll resolve the issue. Sometimes theyll stop collecting, remove negative credit reporting, or send you the validation paperwork. Youll see the companys response in your CFPB account. If they fix it, you can mark the case resolved. If not, you can mark it not resolved, and CFPB keeps it on their record for oversight.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: MO

Complaint narrative:
Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XXXX Contents of Complaint : This 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 a personal credit card account for {$82.00} opened at XXXX XXXX XXXX XX/XX/year> under the account number XXXX. This account has resulted in a fraudulent collection appearing on my consumer XXXX credit report. I've attached a copy of my police report # XXXX. I do not recognize the aforementioned account or collection as reported. The aforementioned account and collection appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account or collection are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 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: MO

Complaint narrative:
Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XXXX Contents of Complaint : This 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 a personal credit card account for {$82.00} opened at XXXX XXXX XXXX XX/XX/year> under the account number XXXX. This account has resulted in a fraudulent collection appearing on my consumer XXXX credit report. I've attached a copy of my police report # XXXX. I do not recognize the aforementioned account or collection as reported. The aforementioned account and collection appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account or collection are the 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 non-monetary relief
Consumer complaint received 2025-10-10 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: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I am submitting this formal complaint against TransUnion for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent account from XXXX XXXX XXXX. Despite having received all required documents, TransUnion has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being. 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 non-monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: MN

Complaint narrative:
On XX/XX/XXXX, I submitted a written dispute to a collection agency regarding alleged debts they claim I owe. To date, I have not received any response, acknowledgment, or proper validation of these debts.

Under 15 U.S.C. 1692g ( b ) ( FDCPA ), I am entitled to request validation of any alleged debt. I formally requested the following information : The amount of the debt The name of the original creditor Documentation proving that I am legally obligated to pay this debt To this day, the collection agency has not provided full validation and continues to report the alleged debt to credit bureaus. This violates both the FDCPA and FCRA 611 ( a ), which require accurate and verified reporting. 

Relevant case law supports these rights : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX  XXXX ) : Debt collectors must provide proper validation ; reporting unverified debts can create liability. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ) : Collection agencies are liable under the FCRA for reporting inaccurate or unverifiable information. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : Credit agencies must conduct reasonable investigations and are liable for failing to comply. 

Despite these legal requirements, I have not received legitimate proof of the alleged obligation, nor confirmation that reporting has been suspended pending validation.

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 2025-10-10 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: NC

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX # XXXX Opened : XX/XX/XXXX XXXX # XXXX Opened : XX/XX/XXXX XXXX  XXXX # XXXX Opened : XX/XX/XXXX XXXX XXXX  # XXXX Opened : XX/XX/XXXX XXXX # XXXX Opened XXXX XX/XX/XXXX XXXX XXXX  # XXXX Opened : XX/XX/XXXX XXXX XXXX # XXXX Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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:
My consistent record of timely payments should be properly represented. Its discouraging to see such an oversight.

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 2025-10-10 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: NC

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX # XXXX Opened : XX/XX/XXXX XXXX # XXXX Opened : XX/XX/XXXX XXXX  XXXX # XXXX Opened : XX/XX/XXXX XXXX XXXX  # XXXX Opened : XX/XX/XXXX XXXX # XXXX Opened XXXX XX/XX/XXXX XXXX XXXX  # XXXX Opened : XX/XX/XXXX XXXX XXXX # XXXX Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/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 2025-10-10 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: NC

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX # XXXX Opened : XX/XX/XXXX XXXX # XXXX Opened : XX/XX/XXXX XXXX  XXXX # XXXX Opened : XX/XX/XXXX XXXX XXXX  # XXXX Opened : XX/XX/XXXX XXXX # XXXX Opened XXXX XX/XX/XXXX XXXX XXXX  # XXXX Opened : XX/XX/XXXX XXXX XXXX # XXXX Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/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 explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SANTANDER HOLDINGS USA, INC.
State: NH

Complaint narrative:
XX/XX/year> : Submitted application to open a XXXX account and funded it with {$1000.00} from my Santander XXXX. 

XX/XX/year> : XXXX accepted my application and successfully opened the account. 

XX/XX/year> : XXXX shows {$1000.00} deposit as my first transaction in XXXX account. 

XX/XX/year> : Santander closing balance reflects account closure. Santander branch manager confirmed in person that the account could be closed since no pending transactions existed. 

XX/XX/year> : Santander filed a dispute for the {$1000.00} transaction on this day. XXXX verbally confirmed this action during an in-person visit. 

XX/XX/year> : XXXX days later - {$1000.00} was taken out of my XXXX account and sent back to my Santander closed bank account. 

XX/XX/year> : Visited Santander branch to inquire. XXXX  department over the phone stated : Yes, we see this transaction, we have your money, your money is safe, we will mail you a check for {$1000.00} within 14 business days. 

XX/XX/year> : Returned to Santander after 15 business days. New banker called XXXX with me present ; XXXX claimed no record of the transaction and that my money was not being sent. 

XX/XX/year> : Visited Santander again. Original banker stated that the Santander escalation team can not locate any record of sending {$1000.00} to XXXX. 

Additional Notes : Neither Santander nor XXXX  communicated with me about the dispute or reversal ; I had to reach out personally. 

XXXX confirmed that Santander sent the {$1000.00} and later disputed it. 

Santanders escalation team claims no record of the transaction.

Claim : Santander Bank altered my account statement to remove or hide the {$1000.00} transfer I made to XXXX. This makes it appear as if the transaction never occurred, even though XXXX received the funds, which I invested into my savings account. XXXX month later, Santander reversed the transaction and withdrew {$1000.00} from my XXXX account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: KS

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I am requesting assistance regarding inaccurate and unfair negative credit reporting by Goldman Sachs Bank USA ( Apple Card ). 
From XX/XX/XXXX through XX/XX/XXXX, I was incarcerated and unable to make payments on my account. During that period, XXXX late payments were reported to the credit bureaus. These missed payments were entirely beyond my control, as I had no access to financial accounts or the ability to make payments while incarcerated. 
Since my release, I have made every effort to resolve this matter directly with Goldman Sachs. I have contacted them multiple times requesting a goodwill adjustment or removal of these late marks, providing full context and explanation. Each time, I was told to contact XXXX, XXXX, and XXXX  to dispute the information. However, despite filing disputes with all three credit bureaus, the results consistently return as verified, without apparent review of my documentation or circumstances. 
I am asking for the CFPBs assistance to ensure Goldman Sachs reinvestigates this account properly and considers my verified incarceration during that period. These XXXX late payments continue to have a serious negative impact on my credit profile, despite being caused by circumstances completely outside of my control. 
Thank you for your attention and help in resolving this matter fairly and accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: NY

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX  XXXX # XXXX Opened : XX/XX/XXXX XXXX XXXX  # XXXX Opened : XX/XX/XXXX XXXX  XXXX XXXX # XXXX Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: CA

Complaint narrative:
I am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within XXXX  days. Enclosed are supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I am the victim of identity theft. XXXX fraudulent Bank of America credit card accounts have been reported on my credit files with TransUnion and Experian. I never opened or authorized any Bank of America credit accounts. 

Fraudulent Accounts : Bank of America Account # XXXX Opened XX/XX/XXXX, charged off with a balance of {$4200.00}. 

Bank of America Account # XXXX Opened XX/XX/XXXX, charged off with a balance of {$1400.00}. 

Both accounts are listed as revolving credit cards, reported as Closed Charged off as bad debt, and are significantly harming my credit. I have never had any relationship, account, or credit card with Bank of America. 

I filed a police report and a Federal Trade Commission ( FTC ) Identity Theft Report. I have provided copies of both reports, along with proof of identity and address, to support this complaint. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., Bank of Americaas the furnisher of this datais required to ensure the accuracy of the information they report and to conduct a reasonable investigation once a dispute is filed ( 1681s-2 ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 1 ) ).

I am invoking my rights under FCRA 1681c-2 ( a ) to block and permanently remove information resulting from identity theft. These accounts are fraudulent and should not appear on my credit reports.

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 2025-10-10 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: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least XXXX  days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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