vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 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:
On XX/XX/year>, I mailed a formal written dispute to TransUnion regarding multiple inaccurate and unverifiable accounts appearing on my credit report, including : XXXX XXXX XXXX reporting late payments on a closed, paid account. 
Dept. of Education XXXX XXXX reporting multiple student loan accounts with late payment notations and inconsistent balances. 
My dispute cited specific provisions of the Fair Credit Reporting Act ( FCRA ) including 15 U.S.C. 1681e ( b ) and 1681i ( a ) ( 1 ) ( A ), and demanded a proper reinvestigation and deletion of unverifiable data. 
On or about XX/XX/year>, TransUnion issued results claiming the XXXX XXXX account was verified as accurate and that the Dept. of Education accounts were updated. However, TransUnion failed to provide any documentation, evidence, or description of how these items were verified, nor did they comply with 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), which requires disclosure of the method of verification.

Because their response did not satisfy FCRA requirements, I mailed a Round 2 dispute on XX/XX/year>, formally notifying TransUnion that their reinvestigation was insufficient and demanding deletion of the unverified accounts. 
To date, TransUnion has continued to report the same inaccurate information without producing any verifiable documentation from the furnishers. Simply forwarding disputes through the e-OSCAR system and relying on automated responses is not a reasonable reinvestigation as required by federal law. 
By ignoring my follow-up dispute and continuing to report unverifiable information, TransUnion has violated the following FCRA provisions : 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation 1681e ( b ) Failure to assure maximum possible accuracy 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to provide the method of verification 1681i ( a ) ( 5 ) Failure to delete unverifiable information TransUnions pattern of verifying items without proof, ignoring documentation requests, and continuing to report inaccurate information demonstrates willful noncompliance with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
HSA Bank account with Webster HSA Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT NUMBER XXXX was locked on XX/XX/year> due to a fraud alert on my debit card. * * NO unauthorized transactions posted at all. * * Despite multiple promises, I have not received a fraud department callback, new account setup, or restored access now * * 15 days * * with no resolution. 

* * CHRONOLOGY OF EVENTS & CALLS : * * * * XX/XX/year> ( XXXX  ) * * Received urgent email from HSA Bank ( via XXXX ) to call immediately. After XXXX min on hold and full authentication, the rep confirmed the account was * * fully XXXX * * but gave * * no explanation * *. Promised fraud dept callback in * * XXXX business days * *. ( Related note : I believe they were aware of the attempt using the card back on XX/XX/year> when HSA Bank called me to confirm a few legitimate charges out of the blue ) * * XX/XX/year> * * Called via XXXX another XXXX hold. Still no details. Only after pressing did the rep reveal a * * {$500.00} unauthorized charge attempt in XXXX  * * ( which I denied ). Again promised callback in * * XXXX business days * *. - NO FUNDS TAKEN. 

* * XX/XX/year> * * Received * * second urgent email * * to contact HSA Bank. XXXX min hold * * no explanation * *, same XXXX  day callback promise. 

* * XX/XX/year> * * Called via XXXX XXXX min hold. Confirmed same {$500.00} Florida attempt ( still * * no funds taken * * ). No merchant/date provided. Again told to wait 13 days. 

* * XX/XX/year> ( Today ) * * Called * * XXXX * * at XXXXXXXX XXXX XXXX  placed on hold * * nearly XXXX hours * *. Callback came from * * customer service, NOT fraud * *, who * * could not restore access * * or provide a timeline. As of XXXXXXXX XXXX XXXX, * * still locked out * *. 

* * ADDITIONAL FAILURES : * * - All escalation lines ( including Webster Bank ) either do not recognize HSA accounts or route back to the same * * XXXX hour hold queue * *. 
- * * No written notice * *, case number, or fraud report to XXXX. 
- * * Ongoing payroll contributions ( $ XXXX ) * * are trapped with * * no access * * for medical expenses. 

This violates * * Regulation E 1005.11 * * 15-day resolution requirement and right to provisional access during fraud disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: TX

Complaint narrative:
This is an inaccurate item. It shows as a late payment.

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 2025-10-29 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: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am submitting a new complaint related to my previous CFPB case # XXXX and Wells Fargo internal case # XXXX. 

Wells Fargo has already responded to the previous complaint, but their explanation was incomplete and incorrect. 

In their written response, the bank confirmed the following : XXXX cash advance transactions ( {$12000.00} and {$3000.00} ) occurred on XX/XX/year>. 
I reported the transactions as unauthorized on XX/XX/year>, and the account was closed on XX/XX/year>. 
A provisional credit was issued, then reversed later. 
They stated that the withdrawals happened through a secure online banking session and therefore denied the fraud claim. 

However, the banks conclusion is inaccurate because : XXXX XXXX XXXX had already been legally dissolved for over XXXX years before these events. 

I had contacted Wells Fargo multiple times requesting full closure of all business accounts. All accounts including checking and credit card were closed long ago, except for this XXXX line of credit that the bank mistakenly left open. 

I was XXXX  the XXXX XXXX at the time of the withdrawals and had no access to the account. 

The funds were withdrawn by my former business partner, XXXX XXXX XXXX, who acted without my authorization. 

The problem happened because Wells Fargo failed to close the Small Business Advantage Line of Credit when I first requested it. This administrative mistake allowed unauthorized access to a closed business account. 

I am requesting that the CFPB require Wells Fargo to : Reopen the investigation properly. 
Remove my liability from this debt. 
Pursue repayment solely from XXXX XXXX XXXX, the person who withdrew and benefited from the funds. 

I have the full written response from Wells Fargo confirming these details, which I can provide upon 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 non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/year>, my personal and business debit cards issued by Navy Federal Credit Union were used for unauthorized transactions, totaling {$15000.00}. During the fraud, funds were also moved between my personal and business accounts without my authorization. I immediately filed claims with Navy Federal to recover these funds.

Timeline of Events : Around XX/XX/year> : My initial claims were denied. I requested an explanation of how Navy Federal reached this decision, including details of their investigation, but they refused to provide this information. I was informed that I could appeal the denial. 
XX/XX/year> : My appeals were denied, with the explanation that our original determination still stands. I have no information indicating whether a proper investigation was conducted. 
I informed Navy Federal that the fraudulent activity was abnormal compared to my account and transaction history. I suggested it could have been caused by a Remote Access Trojan ( RAT ), as my crypto wallets were also compromised. I reported the incident to the FBI.

Under the Electronic Fund Transfer Act ( EFTA ) / Regulation E, Navy Federal is required to provide a clear explanation of how they reached their decision regarding disputed debit card transactions. Many of my communications with the bank are no longer visible in the Navy Federal app, but the bank should have these records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
ALDOUS is falsely reporting on my credit. I have never had any accounts with them. Per my research ALDOUS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: IL

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-10-29 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: IL

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: CA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as requested by federal law. 
NXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-10-29 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: GA

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 2025-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
CRDMGMCOMP is falsely reporting on my credit. I have never had any accounts with them. Per my research CRDMGMCOMP is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: CA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-29 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:
Dear TransUnion 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 INQUIRIES : XXXXXXXX XXXX XXXX XXXX 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 2025-10-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: CT

Complaint narrative:
AES did not provide any documentation supporting the accuracy of those late payments. Instead, the company issued an official Loan Verification Letter confirming that the loans are Paid in Full and that there are no delinquencies.

Despite this written confirmation, AES continues to report late payments to the credit bureaus, which is inaccurate, misleading, and harmful to my credit profile. I am requesting that the CFPB require AES to correct or remove these false delinquencies immediately in compliance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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:
Transunion/XXXX financial/Absolute resolutions that responded stating that they do not house or report negative credit accounts any longer or knowingly, reporting fraudulent, and or information that was made by error under my credit report after receiving disputes from me several times over without a deletion or blocking of such information// response or validate anything

Company response to consumer: Closed with explanation