vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I keep reaching out to the company and the credit Bureaus they keep looking over everything and sending a stall letter this is a very frustrating matter for me to keep reaching out to keep getting ignored as if am not human its my right to dispute anything that is inaccurate or don't belong to me on my credit report I feel that this is so wrong its causing a hardship am trying to buy me a home for my daughters and grandchildren.

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 2025-11-21 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2025-11-21 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: TX

Complaint narrative:
I am writing to formally dispute the accuracy of certain information on my credit report, which I obtained on XXXX. This letter is being sent in accordance with my rights under the * * Fair Credit Reporting Act ( FCRA ) * * to ensure that all information reported is accurate, complete, and verifiable. 

Please investigate the following account ( XXXX ), as the information listed is inaccurate, unverifiable, outdated, or incomplete. I request that these items be permanently deleted from my credit file if they can not be verified or corrected promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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:
Re : Formal Dispute of Charge-Off - CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Amount : {$930.00} This letter serves as a formal dispute under my rights granted by the Fair Credit Reporting Act ( FCRA ). The above-referenced account is being reported with inaccurate, incomplete, and/or unverifiable information, which is a violation of : FCRA 602 Maximum possible accuracy standard FCRA 607 ( b ) Duty to assure accuracy FCRA 609 ( a ) ( 1 ) Requirement to supply documentation upon request FCRA 611 ( a ) ( 1 ) ( A ) Mandated reinvestigation duty FCRA 623 ( a ) ( 1 ) ( A ) Prohibition of furnishing inaccurate information You are required to provide : All documentation containing my signature ; A complete Method of Verification under FCRA 611 ( a ) ( 7 ) ; Proof of permissible purpose under 15 U.S.C. 1681b. Failure to validate this account requires its immediate and permanent deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: NY

Complaint narrative:
In response to my previous complaint, IQ Data did not provide any actual validation of the rental debt they are trying to collect. They did not provide a signed lease, an itemized ledger, a move-out statement, documentation from the original property management, or the Date of First Delinquency. 

Instead, the company only stated that the account was assigned to them in XX/XX/year>, which does not prove the debt is accurate or owed. This is not proper validation under the FDCPA and does not meet FCRA requirements for accurate reporting. 

IQ Data is attempting to collect a debt without providing proof that the charges are legitimate or that the amount is correct. They also reported the account to the credit bureaus using the assignment date rather than the true delinquency date, which is misleading and may cause the debt to be reported longer than allowed by law.

I am requesting that IQ Data be required to provide proper validation of the debt with original documents, or remove the account if they can not provide proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 explanation
Consumer complaint received 2025-11-21 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon arriving at XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ), I discovered that my XXXX purse was missing. Fortunately, I still had my passport ; however, the contents of my bag included critical personal items such as my driver 's license, Social Security card, debit card, headphones, and makeup. 

Regrettably, shortly after the loss of my purse, I became a victim of identity theft. The timing suggests a direct correlation between the disappearance of my purse and the subsequent unauthorized use of my personal information. This situation has caused considerable distress and has necessitated immediate action to mitigate the impact of this theft. 


I have tried deleting the inaccurate information with Experian, equifax and TransUnion all of them are reporting different information thats inaccurate and not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: FL

Complaint narrative:
Upon arriving at XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ), I discovered that my XXXX purse was missing. Fortunately, I still had my passport ; however, the contents of my bag included critical personal items such as my driver 's license, Social Security card, debit card, headphones, and makeup. 

Regrettably, shortly after the loss of my purse, I became a victim of identity theft. The timing suggests a direct correlation between the disappearance of my purse and the subsequent unauthorized use of my personal information. This situation has caused considerable distress and has necessitated immediate action to mitigate the impact of this theft. 


I have tried deleting the inaccurate information with Experian, equifax and TransUnion all of them are reporting different information thats inaccurate and not mine.

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 2025-11-21 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: FL

Complaint narrative:
I am writing to formally dispute several inaccuracies on my credit report, which I have meticulously reviewed and found to misrepresent my true financial history. First, the account XXXX XXXX XXXXXXXX, reported as a charge-off with a balance of {$5000.00}, is not reported on Equifax. My records show that this account was managed responsibly, and any reporting that indicates otherwise is inaccurate. The omission of this account from Equifax not only fails to provide a complete and accurate representation of my credit history but also creates confusion when lenders attempt to assess my creditworthiness. This inaccuracy violates FCRA 611 regarding the dispute of inaccurate information, as well as FCRA 623 ( a ) ( 2 ) and 623 ( b ), which require furnishers to investigate, correct, and update any incorrect reporting. I request a thorough reinvestigation of this account, verification with the original creditor, and immediate correction to ensure that my credit history accurately reflects my responsible account management. 
Similarly, XXXX XXXX XXXX XXXXXXXX, reported as a charge-off with a balance of {$1400.00}, is not reported on TransUnion. The absence of this account from my TransUnion report misrepresents my financial history and provides an incomplete picture of my credit activity. I have maintained this account in accordance with its terms, and any delinquency reported or inferred is inconsistent with my records. Such incomplete or missing reporting constitutes a violation of FCRA 623 ( a ) ( 1 ) ( A ), which requires all information provided to be accurate, complete, and verifiable. I request that this account be reinvestigated with the original creditor to confirm the balance, account status, and closure, and that all reporting errors be corrected to reflect my actual payment history and responsible financial behavior. 
Additionally, I dispute the collection accounts IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance {$2500.00}, which has been deleted from Equifax and TransUnion, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2400.00}, reported on TransUnion and Equifax. For the XXXX XXXX XXXX account, its deletion raises questions about the accuracy and consistency of the reporting process, as I was never properly notified or provided validation of the debt in accordance with FDCPA 809, which protects my right to proper debt verification. The XXXX XXXX XXXX account, while appearing on some reports, contains conflicting or incomplete information regarding balances, dates, and account status, which could mislead lenders regarding my financial responsibility.

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 2025-11-21 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: MO

Complaint narrative:
Subject : Wells Fargo Regulation E Violation & Mishandling of Fraud Claim Complaint : I am filing this complaint because Wells Fargo has mishandled my fraud claim and failed to follow Regulation E requirements regarding an unauthorized debit card transaction on my account. 

I reported an unauthorized debit card transaction for {$3000.00} on XX/XX/year>. My debit card was lost, and I did not authorize this transaction. I did not give my PIN to anyone, and I did not give anyone permission to use my card. I thought the pin was written on the back but i was unaware if it was. I also had my credit card with the same PIN number with another bank completely turn to fraud with unauthorized charges and that was fixed by the other back but The transaction with Wells Fargo occurred about over an hour away from where I live, and it was clearly not made by me. I did not authorize this at all. And when you call and get information with the number from the transaction it was done by someone else with the last name of XXXX. But again I did not authorize this. 

Since filing the claim, Wells Fargo has given me XXXX different explanations in XXXX days, none of which were consistent or accurate. On XX/XX/XXXX, a Wells Fargo representative told me I would receive my provisional credit before XXXX XXXX that night. That credit never arrived, and every conversation since then has resulted in a different story about why it was not issued or when it will be. 

Wells Fargo opened my claim on XX/XX/XXXX, which means the XXXXbusiness-day deadline under Regulation E is XX/XX/year>. Regulation E requires the bank to either ( XXXX ) resolve the investigation within XXXX business days, or ( XXXX ) issue provisional credit if more time is needed. Based on the conflicting information I have received and the lack of follow-through on their own statements, it appears Wells Fargo is not following the required timeline or procedures. 

I have cooperated fully with the investigation, provided all information requested, and have not been told of any missing paperwork or reasons why provisional credit would be withheld. At this point, Wells Fargos inconsistent communication and delays have caused significant confusion, concern, and financial stress. 

I am requesting assistance from the CFPB to ensure Wells Fargo complies with Regulation E, honors the provisional credit requirement if they do not complete the investigation by the deadline, and properly resolves my claim. 

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 explanation
Consumer complaint received 2025-11-21 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: MI

Complaint narrative:
I am writing again in reference to a prior dispute I submitted, for which I have not received any proper response or seen any updates on my credit report. After continued monitoring of my report, the inaccurate information I previously disputed still remains unchanged. At this point, I must assume that a proper investigation was not conducted, as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: The Best Service Co.,Inc
State: CA

Complaint narrative:
This is a formal notice that I demand you CEASE ALL COMMUNICATION with me regarding any alleged debt. 

Under 15 U.S.C. 1692c ( c ) of the FDCPA, once I notify you in writing that I refuse to pay or that I want all communication to stop, you must stop all contact except to confirm you will stop or to inform me of specific legal actions you intend to take. 

I dispute the validity of any alleged debt. Do not call, text, email, or contact my job, family, or any third party. 

Any further contact from your company that violates federal law will be documented and reported.

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 2025-11-21 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:
I am submitting this formal notice under the Fair Credit Reporting Act 15 U.S.C. 1681c-2 FCRA 605B and 623 as a verified victim of identity theft. I have submitted documentation and supporting evidence including my FTC Identity Theft Report regarding fraudulent accounts that were opened without my knowledge or consent. Despite prior submissions these accounts or their related information continue to appear or remain unblocked in my file. 

The following fraudulent accounts must be permanently blocked and deleted from my credit file and any future reinsertion of this or related accounts must be automatically prevented per FCRA 605B ( c ) ( 1 ) and 623 ( a ) ( 6 ) ( B ) FRAUDULENT ACCOUNTS XXXX XXXX  Account No. XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXXXXXX Account No. XXXX Date Opened XX/XX/XXXX FRAUDULENT HARD INQUIRIES XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX These accounts and inquiries were opened or initiated by unknown parties using my stolen identity as confirmed in my FTC Identity Theft Report. I never authorized or consented to any application or extension of credit connected to these accounts or inquiries. 

I demand that under FCRA 605B ( b ) you Permanently block all information related to the fraudulent accounts and inquiries listed above Delete all existing records inquiries or derivative data connected to these accounts Ensure future suppression preventing any of these or related accounts or inquiries from reappearing in my credit report Provide written confirmation of the completed block and deletion within the statutory 4 business days of receipt of this notice Notify all furnishers involved that this information has been identified as fraudulent and must not be re-reported under FCRA 623 ( a ) ( 6 ) ( B ) This request also extends to any fraudulent accounts or information not currently visible in my credit file but mentioned in my FTC Identity Theft Report. Those must be preemptively blocked to prevent appearance or reinsertion.

Failure to comply constitutes a willful violation under FCRA 605B ( d ) and 623 ( a ) ( 6 ) and may result in statutory damages attorney fees and civil liability under 15 U.S.C. 1681n and 1681o. 

Please confirm in writing that all fraudulent information related to these accounts and inquiries has been permanently deleted and blocked from future reporting.

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