vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX OF XXXX ] Account Number : [ 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 2025-09-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Branch Messenger, Inc.
State: TX

Complaint narrative:
On XX/XX/2025 I filed a dispute for multiple unauthorized transactions on my Uber Pro Card ( Dispute # XXXX ). The disputed transactions occurred between XXXX and XX/XX/2025, including charges at gas stations, online purchases, fast food, and retail merchants, totaling several XXXX dollars. 

Uber Pro Card sent me XXXX denial notices stating no error occurred. They claimed I delayed reporting, that the transactions were completed through a mobile wallet with biometric authorization, and that I was therefore responsible. I disagree with these findings. I did not authorize or make these transactions, nor did I knowingly link my card to a mobile wallet or approve them with biometric verification. 

Despite my timely dispute on XX/XX/2025, the company refused to provide a refund and closed my claim. I believe the denial is unfair and that the bank failed to properly investigate or protect my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: TN

Complaint narrative:
I am submitting this complaint because the consumer reporting agency did not fulfill its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a comprehensive explanation of the reinvestigation process used to verify disputed information. I requested details including the name and contact information of the furnisher, the identity of the person contacted, and the documentation reviewed to confirm the accuracy of the disputed account. The agency failed to provide this information within the XXXX period mandated by law, denying me the transparency and verification rights granted under the 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 non-monetary relief
Consumer complaint received 2025-09-16 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of XXXX XXXX, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX XXXX XXXX Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXXXXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX Account Number : XXXX * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX * XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$240.00} XXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} Unauthorized Inquiries to Be Deleted : XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: NY

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  - Account Number : XXXX * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX - Account Number : XXXX * * * * *, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXXXXXX - Account Number : XXXX * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$17000.00} XXXX XXXX XXXX Account Number : XXXX * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX - Account Number : XXXX * * * * *, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX - Account Number : XXXX * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$3600.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am formally disputing the fraudulent accounts that have been reported on my credit file. I did not authorize, open, or have any involvement with these accounts, and their presence is entirely inaccurate. These entries are misleading and have caused measurable harm to my creditworthiness and financial reputation.

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 2025-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: SC

Complaint narrative:
Zion Holdings attempting to collected a debt that is not mine ; please see email correspondence for more detailed information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: TX

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 2025-09-16 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: GA

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Subject : Dispute of Inaccurate Capital One Account Reporting To Whom It May Concern : I am formally disputing the Capital One account ending in XXXX that is appearing on my XXXX XXXX XXXX XXXX credit reports. 

Capital One is reporting inconsistent dates of first delinquency and balances across the three bureaus, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) 607 ( b ) requiring maximum possible accuracy of reported information.

Pursuant to FCRA 611 ( a ), I am requesting verification of this account. Capital One has failed to provide a signed agreement or a complete payment history to substantiate the accuracy of the reported information. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), any information that can not be verified must be promptly deleted from the credit file.

Accordingly, I respectfully request the immediate removal of this Capital One account from my credit reports.

Thank you for your prompt attention to this matter. Please provide written confirmation of the results of your investigation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: Global Lending Services LLC
State: TX

Complaint narrative:
My credit report shows multiple hard inquiries from various lenders and auto dealerships ( listed below ) between XX/XX/XXXX and XX/XX/XXXX. I did not authorize these inquiries, I have no active applications with these creditors, and I have provided a police report indicating identity theft. 
I am requesting that these hard inquiries be removed from all three credit bureaus ( XXXX XXXX XXXX ) : Global Lending Services Global Lending Servi XXXX XXXX XXXX Global Lending Servi XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Do yourself a favor and do not bank with Wells Fargo, I will be reporting them on every platform I can. This bank is a scam. weakest security ever and they will never ever fight for you, instead they make it so easy for scammers and robbers to take money from their system. I had a claim back in XX/XX/year> were my phone way stolen and out of my 7 banks the robbers were able to bypass Wells Fargo security and stole everything I had with Wells Fargo, and guess what? Wells Fargo sent me a letter stating that they " didn't believe '' my case.. yes, stated just like that. My XXXX XXXX and XXXX XXXX didn't think it twice to reimburse what a thieve stole from me ( yes they were able to use those XXXX banks via XXXX XXXX  ) but they were not able to login into XXXX or XXXX 's apps, like they did with Wells Fargo. Customer service is rude, I went to a Wells Fargo location and even though they can't help with claims in their actual locations, the representative was even more surprised than me after hearing the Wells Fargo claim representative yelling at me over the phone. They are nice if you don't need them, well of curse... they have your money. But when time comes, they are even worst than the reason you need help for. I saw many videos of this happening, even before it happened to me and I couldn't believe it, just like you find hard to believe what I'm stating, but please don't make the same mistake I did and take actions before it's too late. Remember this, a thief bypassed Wells Fargo security on their app and had full access of my account, they only bank on my phone they were able to do it, and no, I did not have Face ID or my password saved on my phone at all. 

For the record I had file a police and FBI claim in regards this case, and not even with that Wells Fargo is wiling to take actions.

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 2025-09-16 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:
I am initiating this formal dispute regarding erroneous late payment entries that have appeared on my credit profile without proper documentation or verification. My personal financial records indicate that these reported delinquencies are inaccurate and do not align with my actual payment behavior for the accounts in question. After submitting written requests for validation more than thirty days ago, your organization has failed to respond or provide the necessary supporting documentation to substantiate these negative marks. This lack of response and continued inaccurate reporting is causing ongoing damage to my credit standing and violates my rights under federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: IL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-16 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 reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
NATIONAL CREDIT SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT SYSTEM 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 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
To : XXXX XXXX XXXX XXXX, XXXX, GA XXXXXXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX, PA XXXX CC : Consumer Financial Protection Bureau, XXXX. XXXX XXXX, XXXX, IA XXXX Wells Fargo Auto XXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX : Demand for Permanent Removal and Block Under FCRA 1681c-2 ( 605B ), 1681e ( b ), 1681i, 1681s-2 ( b ), XXXX XXXX Violations ; {$3000.00} Damages Dear XXXX XXXX XXXX and Wells Fargo Auto : I demand the immediate and permanent removal and block of the following inaccurate and potentially fraudulent account from my credit reports, as it continues to reappear despite prior disputes, indicating misuse of my report and multiple violations of the Fair Credit Reporting Act ( FCRA ). This account violates FCRA 1681c-2 ( Section 605B, requiring blocking of identity theft-related information ), 1681e ( b ) ( accuracy procedures ), 1681i ( dispute investigations ), 1681s-2 ( b ) ( furnisher duties to investigate and correct ), and XXXX XXXX guidelines ( e.g., inconsistent reporting across bureaus, unverifiable balances and statuses ). 

I have requested ACDV ( Automated Credit Dispute Verification ) reports from all bureaus and the creditor to investigate how this information persists. Inconsistencies include : deletion on XXXX ( Report # XXXX, XX/XX/XXXX ) but an email stating it remains unchanged ( Report # XXXX, XX/XX/XXXX ) ; {$0.00} balance closed on XXXX ( XX/XX/XXXX ) ; and {$21000.00} balance closed on XXXXXXXX ( XX/XX/XXXX ). This suggests willful non-compliance, entitling me to {$3000.00} in statutory and actual damages for ongoing harm ( e.g., credit denials, stress ), plus attorney fees under 1681n. 

Account for Permanent Removal and Block : WFBNA AUTO ( Wells Fargo Auto ), Account # XXXX, XXXX : XXXX, Violation : Reappearing despite disputes, inconsistent balances/statuses across bureaus ; 1681c-2 fraud/misuse block required, Balance : Varies ( {$0.00} to {$21000.00} ), Demand : Permanent delete and block ; admit deletion ; {$3000.00} damages. 

Block this under 1681c-2 ( 605B ) within 4 business days and confirm permanent removal with updated reports within 5 days. Provide ACDV reports immediately. Non-compliance will lead to a federal lawsuit and CFPB/FTC escalation ( complaints filed ).

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 2025-09-16 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: CA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-16 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: CA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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