vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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: FL

Complaint narrative:
According to 15 usc 1681 l have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation. The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated. ( XXXX account )

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 2025-06-03 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: NJ

Complaint narrative:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( 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 2025-06-03 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: FL

Complaint narrative:
I want to emphasize that this complaint is not made in error. My credit report contains inaccuracies that do not reflect the highest standard of accuracy. These discrepancies have been significantly affecting my well-being, both emotionally and financially. I kindly urge you to take the necessary steps to investigate and correct and/or remove these errors. Resolving this matter would provide meaningful relief during an already difficult time.

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 2025-06-03 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:
\I am filing this complaint to report Wells Fargos failure to comply with federal consumer protection laws, specifically under Regulation E of the Electronic Fund Transfer Act ( EFTA XXXX, regarding several unauthorized XXXX XXXX transactions made after my XXXX was stolen on XX/XX/year>, in XXXX XXXX XXXX FL XXXX 

Summary of Incident : On XX/XX/year>, my XXXX was stolen. I filed a theft report with the XXXX XXXX Police Department ( Report # XXXX ). 

Unauthorized digital transactions were made using XXXX XXXX on the stolen device. 

I promptly notified Wells Fargo of the fraud and explained that my physical debit card remains in my possession. 

Despite providing full details and the police report, Wells Fargo has not issued provisional credit as required under 12 CFR 1005.11 ( c ) within the 10 business days timeframe. 

Mishandling of the Dispute : When I contacted Wells Fargos claims department, the representative appeared confused, misrepresented my statements, and inaccurately added an unrelated ATM transaction to the claim. This has caused unnecessary delays and has only worsened my financial situation. As of XX/XX/year>, no provisional credit has been issued and no adequate explanation has been given. 

Impact : I am now in a financial crisis, unable to pay rent or essential bills due to this delay. I believe Wells Fargo 's actions or lack thereof constitute gross negligence or possibly a deliberate attempt to avoid honoring my legal protections as a consumer.

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 2025-06-03 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: NJ

Complaint narrative:
Dispute of Inaccurate Information under 15 USC 1681c-2 Request to Block Fraudulent Information Due to National Public Data Leak Dear Transunion , I am writing to dispute certain information in my credit file that I believe is the result of identity theft, pursuant to 15 USC 1681c-2 of the Fair Credit Reporting Act. I believe this fraudulent activity may be linked to the National Public Data leak, which compromised sensitive personal information, including names, Social Security numbers, and other identifying details. I request that you block the following items from appearing on my credit report, as they are inaccurate or fraudulent. 

Disputed Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXeason : These accounts are the result of identity theft and was not authorized by me. 

Under 15 USC 1681c-2, you are required to block the reporting of any information in my credit file that I identify as resulting from identity theft within four business days of receiving this request, provided I include appropriate documentation. Enclosed, you will find the following supporting documents : Referencing the National Public Data leak as the potential source of the identity theft.

Proof of my identity : [ e.g., a copy of my drivers license and Social Security card ].

[ Any additional documents, e.g., a copy of a Federal Trade Commission Identity Theft Affidavit ].

Please block the above-listed items from my credit report immediately and provide me with a written confirmation that this information has been removed, as required by law. Additionally, please send me an updated copy of my credit report reflecting the removal of the disputed items. I expect a response within the time frame outlined in 15 USC 1681c-2. 
Thank you for your prompt attention to this matter.

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 2025-06-03 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: TX

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 explanation
Consumer complaint received 2025-06-03 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:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : 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  Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXXXX/XX/year>. 
Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
I discovered multiple collection accounts on my credit report that I did not authorize or open. These accounts are currently being reported by companies such as Transworld Systems, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX. 

I believe these accounts may have been opened or reported as a result of identity theft or error. I have never received services, made payments, or knowingly opened accounts with these companies.

The amounts range from approximately {$380.00} to {$850.00}, and the accounts were reported between XX/XX/XXXX and XX/XX/XXXX. 

I have not received any original documentation, contracts, or verification from these companies proving that the debts are mine. I am requesting an investigation and removal of these fraudulent or incorrect accounts from my credit file.

I am submitting this report as part of a formal dispute and fraud claim, in accordance with my rights under the Fair Credit Reporting Act ( 15 USC 1681c-2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I hereby file a formal complaint against Wells Fargo Bank for its unreasonable service restrictions and inefficiency in handling a routine currency order. On XXXX XXXX. I requested to order {$100.00} worth of XXXX - XXXX  and XXXX - XXXX  coins, but was abruptly told by Wells Fargo staff that a " business certificate '' was mandatory a requirement not publicly stated in their service guidelines. 

XXXX XXXX XXXX XXXX, XXXX, TX XXXX This experience stands in stark contrast to my interaction with XXXX, where I successfully ordered two sets of coins without extra documentation. As a consumer, I believe such arbitrary requirements violate basic standards of customer service and may constitute an unnecessary barrier to normal banking needs.

I kindly request that cdpb. investigates this matter, urges Wells Fargo to revise its unreasonable policies, and ensures that similar obstacles do not hinder other customers. Attached are [ list of evidence, e.g., XXXX order confirmation, Wells Fargo communication records ] for your reference. 

Thank you for your attention to this complaint.

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 2025-06-03 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am writing in response to the correspondence I recently received. Please be informed that I have already reported this matter as a case of identity theft. This issue was included in the formal letter I submitted to the credit bureaus, in which I requested a dispute and removal of the fraudulent information from 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 2025-06-03 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:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a through investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 USC 5336 ( a ) ( 1 ) ( A ) - ( B ) as against them for similar violations. I request CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the account that I am reporting as inaccuracies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: IL

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, violating federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this situation can be settled quickly.

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 2025-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I am submitting this complaint because XXXX XXXX XXXX is attempting to collect a debt they say originated from XXXX XXXX financed through Synchrony Bank Care Credit. I received a notice that they will be suing me as of today, XX/XX/2025 for XXXX. 

I have never received any proper validation or verification of this debt. XXXX continues to send letters and threatens to sue me, but I have not been provided with : A breakdown of the amount owed Proof that they legally own or are authorized to collect the debt Any documentation identifying Synchrony Bank or my original account Most concerning, I received a document in the mail that looked like a court summons or legal filing. It included no court seal, no case number, and no judges signature, yet it gave the impression I was being sued. This was very distressing and misleading. 

I believe this violates my rights under the Fair Debt Collection Practices Act. I should not be threatened with legal action for a debt that has not been properly validated.

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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX  and Experian are reporting a late payment on my credit file for the account XXXX with the account number ending in XXXXXXXX XXXX XXXX XXXX XXXX The reported delinquency is dated XX/XX/year>, and the current balance and past due amount are listed as {$0.00}. I am disputing the accuracy and continued reporting of this late payment record, as it appears to be outdated, unverified, and potentially misleading in the context of my current financial status. Since the account reflects no outstanding balance or past-due amount, the presence of this derogatory payment history serves no valid consumer protection or risk assessment purpose and may unfairly impact my creditworthiness.

Under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681i, both credit bureaus are obligated to ensure that information reported is accurate, complete, and verifiable. If an account is closed or fully resolved with no delinquency balance, the continued reporting of past payment irregularitiesespecially ones over five years oldmust be substantiat
ed by original payment records and verified in a timely and reasonable manner. I believe this entry may no longer meet the standard of relevance and accuracy required under federal law and may even be a result of data retention beyond reasonable reporting guidelines.

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 2025-06-03 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: LA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 non-monetary relief
Consumer complaint received 2025-06-03 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: LA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation