vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 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:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am disputing multiple inaccurate names and addresses being reported on my credit file by Experian. My correct legal name is XXXX XXXX XXXX, but Experian continues to report false name variations like XXXX XXXX XXXX and XXXX XXXX XXXX. These are not all INACCURATE. 

Additionally, there are multiple addresses listed that I have never lived at, including : XXXX XXXX XXXX, XXXX, NJ I have lived at the same address ( XXXX XXXX XXXX, XXXX, XXXX, NJ XXXX ) for 33 years. Reporting false addresses violates the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), which requires credit bureaus to ensure maximum possible accuracy. I have provided documentation, but these items remain. 

I also requested that Experian update my employment status to XXXX, but they have not. These errors are causing harm and confusion.

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 2025-05-19 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/year>2025 To Whom It May Concern, Subject : Notice of Deleted Account from XXXX Request for Immediate Removal from Credit Reports I am writing to formally notify you that I previously disputed an account from XXXX XXXXXXXX XXXX listed as a {$1100.00} charge-off, that appeared on my XXXX credit report. Following the conclusion of their investigation on XX/XX/scrub> 2025, XXXX determined that the account could not be verified and therefore permanently deleted it from my file. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy or completeness of an account. If an item can not be verified, it must be deleted from the consumers credit file within 30 days. 

Because XXXX has confirmed the deletion of this account due to lack of verification, I am requesting that your agency also remove this unverifiable account from my credit report. Continuing to report inaccurate or unverifiable information knowingly is a violation of 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies maintain maximum possible accuracy of the information they report.

Please consider this letter formal notice under the FCRA. I expect a reinvestigation of this item and full deletion of the account from my credit report within 30 calendar days of your receipt of this letter. Failure to remove this account may result in legal action as permitted under FCRA sections 15 U.S.C. 1681n and 1681o. These sections grant consumers the right to seek actual damages, statutory damages, punitive damages, and attorneys fees for willful or negligent noncompliance.

For your reference, I have attached a copy of my ID and proof of address, as well as any relevant correspondence.

I appreciate your prompt attention to this matter and request written confirmation once the deletion is complete. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/year>2025 To Whom It May Concern, Subject : Notice of Deleted Account from XXXX Request for Immediate Removal from Credit Reports I am writing to formally notify you that I previously disputed an account from XXXX XXXXXXXX XXXX listed as a {$1100.00} charge-off, that appeared on my XXXX credit report. Following the conclusion of their investigation on XX/XX/scrub> 2025, XXXX determined that the account could not be verified and therefore permanently deleted it from my file. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy or completeness of an account. If an item can not be verified, it must be deleted from the consumers credit file within 30 days. 

Because XXXX has confirmed the deletion of this account due to lack of verification, I am requesting that your agency also remove this unverifiable account from my credit report. Continuing to report inaccurate or unverifiable information knowingly is a violation of 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies maintain maximum possible accuracy of the information they report.

Please consider this letter formal notice under the FCRA. I expect a reinvestigation of this item and full deletion of the account from my credit report within 30 calendar days of your receipt of this letter. Failure to remove this account may result in legal action as permitted under FCRA sections 15 U.S.C. 1681n and 1681o. These sections grant consumers the right to seek actual damages, statutory damages, punitive damages, and attorneys fees for willful or negligent noncompliance.

For your reference, I have attached a copy of my ID and proof of address, as well as any relevant correspondence.

I appreciate your prompt attention to this matter and request written confirmation once the deletion is complete. 

Sincerely, 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 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX I deposited a check and was advised that it would be available on XX/XX/XXXX. I also transferred {$2100.00} into this account as well. On XX/XX/XXXX I received an email stating that the funds would be on hold until the XXXX, however I saw that they adjusted the deposit as well. This meant that Wells Fargo backed the deposit out and placed a hold on my transferred funds which was incorrect. In the meantime a very important payment was coming out and XXXX returned it for NSF. This NSF would have never occurred if they did not erroneously hold funds that were not a part of the deposit. Since this my business has been negatively impacted and has suffered a tragic loss. I filed a complaint with the corporate team and was sent a generic response that someone would follow up in XXXX business days. All I needed was a letter to prevent this closure and everyone is refusing to assist. The bank manager has called over XXXX people as she can not write a letter in the branch.

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 2025-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I transferred {$1300.00} from my Wells Fargo bank account to another person via XXXX. It was a scam where someone hacked the XXXX account of one of my former co-workers and pretended to have items to list for sale from a family member moving to assisted living. We communicated via XXXX XXXX XXXX XXXX that afternoon and then she requested that I send a deposit to hold the items I was interested in purchasing ( hot tub, refrigerator, golf cart ). She provided me with the name and phone number of her family member to send it to. I sent the money via XXXX. I then received a suspicious text from XXXX XXXX ' ( area code XXXX ) stating the funds hadn't gone through and would be returned with 2-3 business days. I called the number and got an automated vm and quickly began to realize things were looking like a scam/fraudulent. I asked the person posing as my former co-worker on XXXX XXXX to call me and they did not. I then immediately called Wells Fargo to report the fraudulent transaction. I relayed all of the information to XXXX with Wells Fargo and was provided with a claim number and information about the steps Wells Fargo was going to take to address the issue. I followed up 7 times from Thursday XX/XX/XXXX to Monday XX/XX/XXXX to receive status updates. I was told from Wells Fargo that they were " noting the transaction as suspicious and not to post ; filing a dispute and monitoring it ; they forwarded the complaint to XXXX, traced the bank where the money was transferred to ( also a Wells Fargo account ), requested a collection ; put a hold request for {$1300.00} on the account it was transferred to, probably an additional 2-3 business days, etc '' Then when I called on Monday XX/XX/XXXX for another status update I was told by representative XXXX that XXXX letter was actually mailed out to me on XX/XX/XXXX stating that the claim was denied and the case was closed.

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 2025-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: IN

Complaint narrative:
This correspondence is regarding my student loan payment counts and pslf. ( Currently on save/forbearance ) .I acknowledge there is injuctions and court related matters affecting student forgiveness programs. Recently I reviewed my detailed payment list I noticed XX/XX/XXXX through XX/XX/XXXX are not listed within the detailed payment list. I have made several calls and direct message correspondence as to how to correct or an explanation as to why there is a gap in the detailed list. In these correspondences I have not been provided with action toward correction or explanation as to why. On multiple occasions it was suggested to contact XXXX the loan servicer only to have them tell me studentaid is the responsible party for solution. I have applied for buyback and reconsideration in XX/XX/XXXX. I need this issue corrected or insight provided. My payment counts are listed at XXXX. If this time is added I should be at XXXX as of XXXX. I have been told to do nothing and wait for my XXXX request, to reapply ( another representative told me never to do this as it would create an issue with my processing ). I need information on this issue so I can move forward with how to address my student loan obligations. I can not make a decision that's best for me without this information or correction. I am concerned I will be in a bad position unjustly if I make changes to my payment plan so I can get on thr path to forgiveness.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-19 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: FL

Complaint narrative:
Complaint for CFPB XXXX XXXX XXXXXXXX ( Account ending in XXXX / XXXX ) To Whom It May Concern : I am filing this formal complaint against XXXX XXXX XXXXXXXX and the three major credit bureaus ( Equifax, XXXX XXXX XXXX  ) due to serious inaccuracies and noncompliance with federal laws that are currently damaging my credit profile and limiting my financial access. 

This revolving credit account, opened on XX/XX/XXXX, was closed in XXXX. However, it continues to be inaccurately reported across all bureaus as " Negative '', with multiple charge-offs ( COs ) and delinquencies ( 30, 60, 90, 120+ days late ) being reported after the account closure which is illogical and factually incorrect. 

Among the key inconsistencies : The account reports as closed, yet continues showing delinquent activity in XXXX, including months after the date of last payment ( XX/XX/XXXX ) and last activity. 

Equifax reports a high balance of {$0.00}, which is inconsistent with the other bureaus listing {$27000.00}. 

All three bureaus report the account as Negative, despite the consumer dispute dated XX/XX/XXXX. 

The payment history shows re-aging of debt, artificially extending delinquency periods beyond the original timeline a serious violation of federal law. 

VIOLATIONS OF FEDERAL LAWS : 1. FCRA Fair Credit Reporting Act ( 15 U.S.C. 1681 ) : 1681e ( b ) : Credit bureaus must maintain maximum possible accuracy. The re-aging and false reporting of delinquencies beyond the date of last activity is a direct violation. 1681s-2 ( b ) : Furnishers must investigate disputes and correct any inaccurate or incomplete information. The account remains inaccurate months after being disputed.

1681i : Failure to correct previously disputed information within the required 30-day window.

2. TILA Truth in Lending Act ( 15 U.S.C. 1601 ) : The mischaracterization of the repayment timeline and continued negative reporting after account closure misrepresents the terms and performance of the credit agreement violating TILA 's provisions on accurate disclosures.

3. GLBA Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ) : Failure to safeguard sensitive consumer data and ensure the privacy and accuracy of financial records. Disseminating false credit data to third parties without due diligence breaches GLBA obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: NY

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-19 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: VA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-05-19 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I did not apply personally for a loan nor did i receive from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: AR

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with explanation