vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-16 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX and the Credit Bureau has Violated the Fair Credit Reporting Act Involving Fraudulent Inaccurate Bank Records for the past Six ( 6 ) Years. Despite Numerous Disputes the Erroneous Credit Information was never Corrected the Bank Failed to perform a Reasonable Investigation after Written Notice and Demand to the Bank and the Credit Bureau. Time for and Contents of Notice, Procedure upon Receipt of Notice. The Bank has Fraudulently Charge Off Two Line of Credit the first opened XX/XX/XXXX and charged Off on XX/XX/XXXX with a {$340.00} First Delinquency Illegally Reporting to the Credit Bureau 's Accounts My Bank Statements show the Transactional Error and Inaccuracy of the Outstanding Balance of {$340.00} my Bank Statement XXXX Dated XX/XX/XXXX shows a Line of Credit dated XX/XX/XXXX with a total amount due of {$75.00} not the Inaccurate {$340.00} Reporting to the Credit Bureau 's the Alleged Delinquency is under my XXXXXXXX XXXX XXXX XXXX with a Beginning Balance of {$33000.00} with a {$1000.00} late fee dated XX/XX/XXXX this Erroneous Transaction is reporting to the Credit Bureau 's without a Reasonable Investigation into my Complaints

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I was contacted by someone pretending to be Wells Fargo. The explained to me that someone had been trying to wire upwards of {$6000.00} to their account and if it was me. I said no, and they called me immediately. The woman on the other line pretended to be someone from Wells Fargo and was reading off my bank transactions to me to prove that she was from the company. She had me transfer my money to an XXXX XXXX card so they could open me a new account to protect me from fraud. I then transferred the money to a XXXX card that was supposed to be connected to my Wells Fargo account. I was told the card was a duplicate so I deleted the card off my phone with all my money on it. She gave me a fake name and confirmation code and hung up the phone. I went to my local Wells Fargo to figure out where my money went. They explained to me that it was a scam. I sat with the branch XXXX and filled out a claim. They said that I would get my money back in a few days. I was denied my claim stating that they were covered by fraud but since I fell for a scam, they were not protected and unable to approve my claim.

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 2025-07-16 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: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: PR

Complaint narrative:
As everyone knows, in XX/XX/year> XXXX XXXX was struck by XXXX XXXX. I have noticed on my TransUnion, XXXX  and XXXX  credit reports a XXXX delinquency mark corresponding to XX/XX/year>. According to my records and previous communications with your institution, during that period I was under a XXXX  granted by XXXX XXXX as part of the assistance program after XXXX XXXX. For that reason, it should not have been reported as a negative delinquency, since the XXXX  agreement temporarily suspended payments without penalties.

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 2025-07-16 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX  XXXX XXXX # XXXX XXXX VA XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XX/XX/XXXX To Whom It May Concern : Formal Dispute and Request for Removal of Unauthorized Hard Inquiries Under the FCRA I am writing to dispute multiple unauthorized hard inquiries that appear on my credit report. I did not authorize or initiate any credit applications or transactions with the following companies, and these inquiries are being reported in error.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, no person or entity may access my credit report without a permissible purpose and without my explicit authorization. Furthermore, 15 U.S.C. 1681i grants me the right to dispute any inaccurate information on my credit report and to request a thorough investigation and removal within 30 days. 

I demand that the following inquiries be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Removal Date : [ Not Listed ] I did not provide authorization, consent, or initiate any application for credit with these entities. Their presence on my report constitutes a violation of my consumer rights under the FCRA. 

If these inquiries are not removed within 30 calendar days of receipt of this letter, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and consider legal action. I will also seek damages of up to {$1000.00} per violation under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance. 

Please confirm in writing when these inquiries have been deleted. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: IN

Complaint narrative:
This company removed item off my credit, then put it back. This is a TILA violation XXXX XXXX XXXX XXXX XXXX, then when I try to dispute online advised then need me to send id verification. I have submitted my ID and SSN then sent in via cert. mail. I was told my report could not be found which is all misleading per my report XXXX  attached. Because XXXX  report that is attach shows my report file. How did it just go away and now I have to purchase it and verify myself again after its here attach also.

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 2025-07-16 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: NC

Complaint narrative:
A new item was listed on credit reports ( Experian, XXXX  ) for a new account with company XXXX XXXX XXXX on XX/XX/year>. I contacted XXXX, XXXX to notify them of the fraudulent item and requested information on their inquiry. The informed I needed to contact the credit reporting agencies to resolve issue. I have learned from the credit reporting agency the inquiry was for a new account ( loan for {$5000.00} ).

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
b'I sent a certified letter to Transunion on XXXX via XXXX  mail with a tracking number of  XXXX XXXX XXXX XXXX XXXX XXXX . The letter was delivered to Transunion in XXXX XXXX XXXX XXXX XXXX XXXX. The letter stated they needed to promptly investigate the account and correct it or delete it. XXXX  ignored my request and I proceeded to send another letter on XXXX. They also ignored my 2nd letter. The accounts that were included in both letters were.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 2025-07-16 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: MD

Complaint narrative:
Im used to my credit score being XXXX. 

( XXXX XXXX XXXX XXXX XXXX ) XX/XX/year> Is showing delinquent when the account was settled and paid in full. Is not reflecting accurate information & hurting my credit score and needs to be removed or corrected ( XXXX XXXX XXXX XXXX ) XXXX XXXX Is showing delinquent when the account was settled and paid in full. Also hurting my credit score. The information is inaccurate and needs to be removed or corrected ( XXXX XXXX ) XXXX XXXX is showing as a collection. The account was settled and paid in full. The information on my credit is inaccurate and hurting my score. It needs to be removed or corrected ( XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX After returning the vehicle and it being resold the debt was paid. The account has been closed. However, under 15usc 16 92c. I refused to pay this remaining debt, and they did not cease all communication. The information is inaccurate and hurting my credit and need to be removed.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Im used to my credit score being XXXX. 

( XXXX XXXX XXXX XXXX XXXX ) XX/XX/year> Is showing delinquent when the account was settled and paid in full. Is not reflecting accurate information & hurting my credit score and needs to be removed or corrected ( XXXX XXXX XXXX XXXX ) XXXX XXXX Is showing delinquent when the account was settled and paid in full. Also hurting my credit score. The information is inaccurate and needs to be removed or corrected ( XXXX XXXX ) XXXX XXXX is showing as a collection. The account was settled and paid in full. The information on my credit is inaccurate and hurting my score. It needs to be removed or corrected ( XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX After returning the vehicle and it being resold the debt was paid. The account has been closed. However, under 15usc 16 92c. I refused to pay this remaining debt, and they did not cease all communication. The information is inaccurate and hurting my credit and need to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: DC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$69.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : BANKRUPTCY - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX Date : XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Diversified Adjustment Service, Inc.
State: FL

Complaint narrative:
I called the company ( diversified adjustment services ) toll free number because I found the name online next to my credit report. They did not identify themselves as a debt collection agency. When I asked them to identify themselves they just kept asking if I wanted to pay the debt or get it removed from my credit score. When I explained I understand the difference and I want to know if they own my debt they would not confirm. She said she had explained my options and that if I wanted it removed it would cost $ or I could pay the debt and it would be less but stay on my report for up to 7 years. I explained I understood and once again respectfully ask does your company own my debt? If I ow it I want to pay it and get it removed but I want proof I even owe money. She hung up on me. XXXX XXXX am 6 min call. 
XXXX am 1 min call XXXX XXXX sec call I called back and the next agent I spoke to said and did the same thing. Did not identify themselves. Did not say what agency they work for did not say they were a debt collector. 

I then read several reviews and the XXXX  and found that this is a company practice with the debt agency in question. I found a different number listed in a response to a complaint that was from the agency with the number listed as XXXX ext XXXX I called this number and the person did not identify themselves nor the company and when I asked if they were a collection agency and I wanted ext XXXX quality assurance dept he hung up on me. When I called back I get a busy signal and my phone says the call is canceled. ( Maybe they blocked my number ) Those calls were made at XXXX 37 seconds XXXX am canceled call. 
They will not identify themselves and they will not give me any information as to why they are listed on my credit report. They did not tell me they are attempting to collect a debt. Its {$91.00} from XXXX XXXX listed on my credit report XX/XX/year> its XX/XX/year> now and they have never attempted to contact me and I left XXXX XXXX 2-3 years ago and ported my number. I do not believe I can keep my phone number if I owe money.. I believe this is a scam to get more than the {$91.00} to remove the ding from my credit score. I told them I would happily pay the debt if they can show me I owe it. They repeated do you want to pay or get it removed. Never showing any proof.

Company response to consumer: Closed with explanation