vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 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: MI

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am submitting this complaint to report a violation of the Fair Credit Reporting Act ( FCRA ) by TransUnion. 

TransUnion continues to report a XXXX  XXXX XXXX  dated XX/XX/year>, on my credit file. I formally disputed this entry, and TransUnion responded stating it had been verified as reported. However, this claim is not supported by any verifiable documentation from the original source. 

To confirm this, I obtained official documentation from the U.SXXXX XXXX  XXXX XXXX XXXX Maryland, which states : " The United States XXXX  XXXX does not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers ' credit files. '' This proves that TransUnion could not have verified the bankruptcy through the original source, as required by 15 U.S. Code 1681i. Under the FCRA, if a credit bureau can not verify a disputed item with the original furnisher of the information, it must delete the item. 

In addition, I am including supporting documentation from XXXX, a third-party public records provider, which investigated through XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and deleted the bankruptcy from their system due to lack of verifiable data. 

Despite this, TransUnion continues to report the item and falsely claims it has been verified. 

Attachments included with this complaint : Official letter from the XXXX XXXX  XXXX ( XXXX of Maryland ) confirming it does not report or verify data to credit bureaus. 

Notification from XXXX showing the deletion of the bankruptcy from their records after their PACER investigation. 

Copy of my government-issued ID to verify my identity. 

I respectfully request that the CFPB investigate this matter and compel TransUnion to remove this unverifiable XXXX  from my credit file in compliance with the FCRA. 

Thank you for your attention and assistance. 

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 2025-04-24 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: MN

Complaint narrative:
Requested full debt validation on XX/XX/year>. 
Received response on XX/XX/year> that included only the account history and no other information requested. 

XXXX. A signed agreement or contract proving my obligation to this debt. 
XXXX. Proof that your agency has the legal right to collect this debt. 
XXXX. Documentation showing how the amount was calculated.

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 2025-04-24 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: MN

Complaint narrative:
Requested full debt validation on XX/XX/year>. 
Received response on XX/XX/year> that included only the account history and no other information requested. 

XXXX. A signed agreement or contract proving my obligation to this debt. 
XXXX. Proof that your agency has the legal right to collect this debt. 
XXXX. Documentation showing how the amount was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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:
Subject : Formal Complaint Unauthorized Furnishing of Negative Account Information & Request to Cease Communication Pursuant to 15 U.S.C. 6801 and 1692c ( c ) Dear TransUnion Legal Department, This letter serves as a formal complaint and legal notice concerning the unauthorized furnishing and continued reporting of derogatory and damaging accounts on my TransUnion credit report dated XX/XX/XXXX. These actions infringe upon my rights under 15 U.S. Code 6801, which mandates financial institutions to protect the privacy and confidentiality of nonpublic personal information, and under 15 U.S. Code 1692c ( c ), which gives me the right to request a cessation of all communications. 

The following negative accounts are being reported without my express authorization, and I am formally disputing their accuracy and legitimacy : XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ) Status : Charged Off Balance : {$38000.00} Remarks : Account was progressively reported late ( 30, 60 days ), then marked as repossessed ( RPO ), and ultimately charged off. 


XXXX / Dept of ED ( Student Loan ) ( XXXXXXXX XXXX XXXX XXXX XXXX ) Status : 90 Days Past Due Balance : {$1400.00} Remarks : Marked as delinquent without any direct communication, settlement opportunity, or evidence of verification. 


XXXX XXXX XXXX XXXX ( Installment Loan ) ( XXXXXXXX XXXX XXXX XXXX XXXX  ) Status : Charged Off Balance : {$840.00} Remarks : Prolonged delinquency and multiple charge-off entries from XX/XX/XXXX through XX/XX/XXXX. 


These derogatory accounts were placed on my credit file without due process, informed consent, or verifiable documentation. As such, they violate the spirit and letter of 15 USC 6801, which obligates your agency to uphold strict standards for consumer privacy and data integrity. 

Moreover, under 15 U.S. Code 1692c ( c ) of the Fair Debt Collection Practices Act, I am hereby demanding that TransUnion, and any associated data furnishers or third-party entities, immediately cease all forms of communication with me in connection to any debts, inquiries, or claims regardless of medium.

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 2025-04-24 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:
" 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 2025-04-24 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-04-24 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: HI

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I used XXXX Send through Venmo to pay {$450.00} to @ XXXX on XX/XX/year>, for XXXX XXXX wristbands. The seller sent a USPS tracking number ( XXXX ), which shows no movement since it was scanned at a self-service kiosk. The item never entered transit and was never delivered. 

The seller used XXXX and XXXX usernames to facilitate the transaction ( XXXX XXXX / XXXX ). I attempted to resolve this issue directly, but the seller became defensive after I filed a dispute. The original dispute was filed with Venmo through a phone call on XX/XX/XXXX, considering he stated it would arrive by then 100 % guaranteed, and proceeded not to pay for overnight shipping, and only proceeded to pay for priority. I called again after finding that my claim was denied on XX/XX/XXXX, only to receive the same result. 

Venmo denied my dispute, stating it wasnt eligible under their protection policy. However, another buyer who used the same seller and payment method was refunded, making the resolution of my claim feel inconsistent and unfair. I contacted Venmo support with documentation, including XXXX tracking, seller communications, and proof of payment, but they refused to assist. 

I now believe this transaction was part of a scam and that Venmo failed to protect me as a user, especially since another seller was protected. Im requesting a refund and fair reconsideration of my case. My friend titled her payment as " XXXX '' where I titled it " Payment 2 don't fail us '' which clearly XXXX and XXXX did.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-24 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: AZ

Complaint narrative:
I am demanding the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are a direct result of a data breach that compromised my personal and financial informationa situation entirely outside of my control. Despite my efforts to rectify these issues, I continue to suffer the consequences of reporting failures that should have been addressed long ago. 

The fact that these inaccurate and unauthorized entries remain on my report, despite clear indications that my personal data was compromised, is completely unacceptable. This reckless mishandling of my information is damaging my creditworthiness, jeopardizing my financial stability, and blocking me from important opportunities. I will not tolerate this negligence any longer. 

I demand that you immediately investigate and permanently remove these erroneous entries. Any delay, inaction, or refusal to comply will be treated as a blatant violation of my consumer rights, and I will pursue all legal avenues available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your company accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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:
My husband refinanced the account in the month XXXX to XXXX 2023 where I was to be removed from the account. As well he voluntarily gave the car back after owning for less than a year and the car broke down and stopped turning on completely. XXXX XXXX then resold the car as well.

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 2025-04-24 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: MN

Complaint narrative:
Mailed a letter requesting a full debt validation on XX/XX/year>. 
Received response on XX/XX/year> that contained only the account history and no other requested 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
Consumer complaint received 2025-04-24 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: MN

Complaint narrative:
Mailed a letter requesting a full debt validation on XX/XX/year>. 
Received response on XX/XX/year> that contained only the account history and no other requested 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
Consumer complaint received 2025-04-24 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: MN

Complaint narrative:
Mailed a letter requesting a full debt validation on XX/XX/year>. 
Received response on XX/XX/year> that contained only the account history and no other requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: NJ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: NV

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I submitted an online payment ( donation ) which generates a paper check that Wells Fargo directly mailed to my church ( The XXXX at XXXX ) on XX/XX/XXXX in the amount of {$1000.00}. Unfortunately the church mailbox was broken into and several checks were stolen. My check was cashed WITHOUT endorsement by someone other than the intended recipient. As it was a donation ( not payment for an outstanding bill ), it took several weeks for the issue to be discovered. Once it was a police report was created and I contact Wells Fargo to resolve. 
Here is a timeline of my conversation with the bank. 
XX/XX/XXXX - called Wells Fargo to alert them of the issue, they opened an Online XXXX XXXX Claim ( incorrectly ) XX/XX/XXXX - I was notified that Online XXXX XXXX Claim was denied as payment was delivered to XXXXXXXX XXXX XXXXXXXX. I explained that delivery was never the issue, it is that the check was fraudulently cashed and I was informed that a Forged Endorsement Claim was what they should've opened originally. She opened this Claim. 
XX/XX/XXXX - called for an update on the case and was informed a notarized affidavit was needed XX/XX/XXXX - my pastor and I went into local Wells Fargo Branch, filled out the affidavit, got it notarized and faxed it to corporate Wells Fargo. 
XX/XX/XXXX - Called Wells Fargo for an update. They confirmed they received the affidavit and it would take 5-7 business days for a response. 
XX/XX/XXXX - Well past the 5-7 business days and no update. Called again and was now told they contacted the bank who allowed the check to be cashed without endorsement by someone other than the payee ( XXXX XXXX XXXX  ), but they have 90 days to respond which would be mid XXXX, but if fraud was found then they would credit back to my account. 
XX/XX/XXXX - Still no response from Wells Fargo so I called again. Was now notified that it can take 90 BUSINESS days for XXXX XXXX to response, so it would be several more weeks before I get a response. I filed a complaint with their Executive Office at the length of time it was taking on this claim.

XX/XX/XXXX - Received letter back from the Executive Office notifying me the timeframe was within reason and they closed my Executive Office Claim. I would be notified within 90 business days on the Fraudulent Endorsement Claim. 
XX/XX/XXXX - I received a letter in the mail ( dated XX/XX/XXXX ) notifying me that they attempted to contact the negotiating bank XX/XX/XXXX and again XX/XX/XXXX and have not heard back from them. For this reason they closed my Fraud Endorsement Claim and would only reopen if the negotiating bank contacts them.

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 2025-04-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
To whom it may concern, Wells Fargo provides a welcome bonus of {$520.00} for ppl who open and deposited {$25000.00} in the savings account for at least 90days. 

I consulted with the banker and made sure I was qualified and opened a savings account on XXXX2024. 

I deposited XXXX in early XXXX and so far, I didnt receive any welcome bonus. 

I reached out to the banker since mid XXXX. He tried to help me with issues and confirmed I was eligible to get the bonus. So far, I still didnt receive any bonus nor received any feedback from Wells Fargo . 

I am hoping to receive the bonus as soon as possible. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief