vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Data breach with XXXX and experion I getting all kind off people texting about long hit the link get your money today I am nit trying to get a loan. Due to ther data breach I need my credit clean.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Upon reviewing my Experian credit report, I discovered several unauthorized inquiries that I did not consent to, which appear to be inaccurately reported. Despite my efforts to resolve this issue directly with Experian through a formal dispute sent on XX/XX/XXXX, the inquiries still remain on my report. 

These unauthorized inquiries include, but may not be limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX These inquiries were reported without my knowledge or approval, and my requests for Experian to provide proof of authorization have not been met with any substantial response or documentation, indicating a potential breach of FCRA requirements regarding permissible purpose and the accuracy of reported credit activities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: PA

Complaint narrative:
Upon reviewing my Experian credit report, I discovered several unauthorized inquiries that I did not consent to, which appear to be inaccurately reported. Despite my efforts to resolve this issue directly with Experian through a formal dispute sent on XX/XX/XXXX, the inquiries still remain on my report. 

These unauthorized inquiries include, but may not be limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX These inquiries were reported without my knowledge or approval, and my requests for Experian to provide proof of authorization have not been met with any substantial response or documentation, indicating a potential breach of FCRA requirements regarding permissible purpose and the accuracy of reported credit activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: TN

Complaint narrative:
I disputed an inaccurate collection account with XXXX on XX/XX/year>2025. As per FCRA Section 611, they were supposed to complete the investigation within 30 days. I have not received any investigation results, and the item remains on my report. This is a violation of the FCRA. I request that CFPB investigates and ensures compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: AZ

Complaint narrative:
I HAVE BEEN GETTING NOTIFIED THAT THESE XXXX XXXX ACCOUNTS KEEP REAPPREARING ON MY CREDIT. I HAVE LEGAL LETTERS SHOWING PROOF THAT THESE ACCOUNTS ARENT MINE, I AM DEMANDING THAT XXXX BE REMOVED OFF OF MY CREDIT REPORT!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: AZ

Complaint narrative:
I HAVE BEEN GETTING NOTIFIED THAT THESE XXXX XXXX ACCOUNTS KEEP REAPPREARING ON MY CREDIT. I HAVE LEGAL LETTERS SHOWING PROOF THAT THESE ACCOUNTS ARENT MINE, I AM DEMANDING THAT XXXX BE REMOVED OFF OF MY CREDIT REPORT!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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 DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I purchased a {$2800.00} computer from XXXX XXXX using my Discover It credit card. The computer had issues, and I requested a replacement. XXXX XXXX agreed but later canceled the replacement due to being out of stock, and I opted for a refund. I returned the product using the XXXX XXXX-provided XXXX  shipping label and dropped it off at XXXX 

XXXX XXXX received the return but falsely reported to Discover that the box was filled with weights. I filed a billing dispute with Discover under the Fair Credit Billing Act, providing tracking details, return receipts, and proof that the return was initiated using XXXX XXXX return process. 

Discover denied my dispute based on XXXXXXXX XXXX  claim and said there was nothing further they could do. I then initiated a XXXX investigation. XXXX confirmed the return label and tracking, but also stated that the recipient ( XXXX XXXX ) must open a claim and/or file with the mail police. XXXX XXXX has not cooperated in that process. 

Later, I was told the item ( weights ) would be shipped back to me. However, XXXX tracking shows the item and its contents were discarded by XXXX, meaning I have no product and no way to recover it. 

I escalated to XXXX XXXX corporate and Discover corporate and got nowhere. Discover advertised Purchase Protection as a benefit of my Discover It card, yet has offered no resolution despite clear fraud and loss of merchandise. 

I am left with a {$2800.00} charge, no computer, and no way to recover my money due to the combined mishandling by XXXX XXXX, XXXX, and Discover. All parties are pointing fingers, and no one is taking responsibility. 

I am requesting that the CFPB investigate this matter and compel Discover to honor their advertised purchase protection, and/or hold XXXX XXXX accountable for fraudulent claims regarding the return. I have documentation for all shipping, tracking, and communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am seeking assistance in reviewing accounts that are incorrectly reported as having late payments. My credit report shows late payment marks on specific accounts, which is inaccurate. These accounts should not have any late payment remarks. Please remove them and ensure the accounts are updated to a positive status as originally agreed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: ADP Inc.
State: CA

Complaint narrative:
A background check was requested for my new employer through adp order # XXXX. The report shows information being pulled from XXXX XXXX in Arizona in the results I have never lived in Arizona. Perhaps this is identity theft or mis information not sure but would like to see what is tied to my name in this county.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
Ive attempted to send a wire transfer from my Truist business account twice, and on both occasions, the transaction was not processed as promised. Truist does not allow wire transfers to be completed online, which forces account holders to come into a branch a deliberate obstacle in my opinion.

Each time, I provided the correct recipient information and was told the wire would be sent. Yet both times, the wire never went through, and I received no valid explanation. This isnt a case of error or fraud prevention its become clear to me that Truist is intentionally creating friction to discourage outbound wire transfers and retain funds under their control.

Im a business owner, and delays like this can impact payroll, vendor payments, and operational flow. There is no justification for a modern bank to block online wires or repeatedly fail to execute in-person ones. I believe this is a tactic to make it harder for clients to move their money elsewhere.

Im requesting assistance in resolving this wire delay immediately, and I believe Truists wire transfer handling practices deserve closer scrutiny for unfair or deceptive behavior.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: TN

Complaint narrative:
I disputed an inaccurate collection account with Experian on XX/XX/year>. As per FCRA Section 611, they were supposed to complete the investigation within XXXX days. I have not received any investigation results, and the item remains on my report. This is a violation of the FCRA. I request that CFPB investigates and ensures compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( XXXX USC XXXX ( 2 ) ). Pursuant to XXXX USC XXXX, I have identified the following accounts that have breached these legal provisions : XXXX Account # : XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in XXXX USC XXXXc ( a ) ( 5 ). 
According to XXXX USC XXXX, Section XXXX ( A ), I have the right to privacy. Furthermore, under XXXX XXXX XXXX, Section XXXX ( A ), Section XXXX, a consumer reporting agency can not furnish an account without my written instructions. Also, XXXX USC XXXXc ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 
Finally, under XXXX USC XXXX ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to XXXX USC XXXX ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: TN

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: TN

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 non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: CO

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX. XXXX XXXX ) : This decision clarified that a XXXX XXXX XXXX is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
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 2025-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: MD

Complaint narrative:
Subject - Issue with My Discovery Credit Card Account Hello, my name is XXXX and I am writing to bring your attention to an issue regarding my account. I recently discovered that my credit card account was closed without any prior notification. After contacting your customer service team earlier today, I was informed that my account was closed due to a report from XXXX stating that my XXXX XXXX credit card payments had not been made on time for the past XXXX months. 

I want to clarify that this information is incorrect. I opened a case ( # XXXX ) with XXXX XXXX, and after speaking with one of their account managers, they acknowledged that the issue arose due to an error. Apparently, someone or a system change altered my auto-payment setting to a fixed {$100.00} amount, which resulted in missing the payments for the last couple of months. However, I have always paid my credit card bill on time, and I have auto-payment enabled to avoid any issues. 

I have had my Discovery Credit Card for quite a while, and I have always paid my balance in full without any issues. Please have Discovery the closure of my account and reopen it, as this situation was caused by a mistake on another credit card provider 's end. Additionally, I have reached out to XXXX opened Case # XXXX to have the incorrect information removed from my credit report, and I am currently awaiting their feedback. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation