vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 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: SC

Complaint narrative:
XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-16 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: TN

Complaint narrative:
I did not authorize : DEPT OF EDXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I did not authorize : DEPT OF EDXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: MD

Complaint narrative:
This is a legitimate and urgent complaint that requires immediate action. My credit report contains inaccurate information that clearly violates the standard of maximum possible accuracy. These errors are causing significant and ongoing harm to my personal and financial well-being. I demand a prompt, thorough investigation, and I expect all inaccuracies to be corrected or removed without delay. This matter is not just important it is critical and must be resolved immediately.

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 2025-06-16 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: CA

Complaint narrative:
I sent a dispute to Experian via certified mail regarding multiple inaccurate and negative accounts reporting on my credit file. The letter was delivered and signed for on XX/XX/year>, which I verified through USPS tracking and return receipt. 

Per the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ), Experian is legally required to investigate and respond to disputes within 30 days. It has now been over 30 days, and I have not received any results of investigation, verification of the accounts, or any communication from Experian. 

This is a violation of my consumer rights. I am requesting the immediate deletion of all disputed accounts due to Experians failure to verify or respond in accordance with federal law. I have attached proof of delivery for your review.

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 2025-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: OH

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable information that's on my credit report I disputed multiple times with the credit bureaus and its 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 send verification of debt, the ORGINAL Contract bearing my signature & explanation of the amount and how it was calculated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: FL

Complaint narrative:
I am writing to alert you to unauthorized accounts that have been wrongfully reported under my name. I had no involvement in opening these accounts. In accordance with the Fair Credit Reporting Act and specifically 15 U.S. Code 1681g, I request their removal within 15 days. Documentation is attached.

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 2025-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Fraudulent withdrawal of checking account funds via debit card. Once I became aware of the illicit withdrawals I called Citibank and informed them within an hour. 

Citibank was aware of the fraudulent charges within a minute of the first charge because I received a Citibank email saying the charge looked suspicious. Nonetheless Citibank allowed multiple additional fraudulent charges to go through. 

The additional charges have now become an overdraft loan from Citibank. Not only are my original accountant funds gone but Citi is now charging interest on the fraudulent excess withdrawals. Please help

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 monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
URGENT : These particular two issues neeeds to addressd urgently. I wanted to fix this issue with XXXX from Wells Fargo 's executive office who is handling my other CFPB complaints, but she didn't bother calling me back which she said she will. So, I am having to submit these two issues to be fixed by Wells Fargo urgently. Now, I know my other complaints are taking for ever to get a response, but these particular issues needs to be fixed ASAP. 

I had a phone number registered with my Wells Fargo account. I will be disconnecting that number very soon. I have a second number which I updated with Wells Fargo, and spoke with a Wells Fargo team member who said he has submitted the number to the the back office so they can make the new number eligible for receiving verification texts. 

When I called Wells Fargo today, the operator said the new number is not eligible to receive verification texts. I was not surprised to hear that because nothing gets done when calling Wells Fargo customer service, for the most part. 

My old number will be disconnected very soon, so my new number needs to be fixed with this bank. 

Also, I asked Wells Fargo to remove the stop payment that I had placed earlier on a certain merchant. I am not sure at this time if this has been processed. I would not be surprised if this didn't get processed because once again, most of the time nothing gets done when calling Wells Fargo customer service. The merchant will be processing the payment this coming Wednesday and the payment needs to go through.

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 2025-06-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: LoanCare, LLC
State: CO

Complaint narrative:
Loancare mortgage claims the information I provided, which was XXXX XXXX  statements of payments and bank statements, proving payments were made was insufficient. Which in turn they claim I'm delinquent on my payments, which I'm not.

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 2025-06-17 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX  XXXX XXXX CA XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1400.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-16 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: MD

Complaint narrative:
I submitted an identity theft report I filed with the FTC to all 3 credit bureaus about an account that was opened in my name by someone else. The account was being paid by someone else at first and then they stopped paying which caused several late payments to the creditor XXXX XXXX XXXX XXXX. I asked the account be deleted and submitted multiple disputes but it still remains on all 3 credit bureaus.

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 2025-06-16 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I submitted an identity theft report I filed with the FTC to all 3 credit bureaus about an account that was opened in my name by someone else. The account was being paid by someone else at first and then they stopped paying which caused several late payments to the creditor XXXX XXXX XXXX XXXX. I asked the account be deleted and submitted multiple disputes but it still remains on all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: PA

Complaint narrative:
Unauthorized Credit Inquiry on XX/XX/XXXX by XXXX XXXX XXXX Unauthorized Credit Inquiry on XX/XX/XXXX by GLOBAL LENDING SERVICES Unauthorized Credit Inquiry on XX/XX/XXXX by XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: CITIBANK, N.A.
State: PA

Complaint narrative:
Unauthorized Credit Inquiry on XX/XX/XXXX by XXXX XXXX XXXX Unauthorized Credit Inquiry on XX/XX/XXXX by XXXX XXXX XXXX Unauthorized Credit Inquiry on XX/XX/XXXX by 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 2025-06-17 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: FL

Complaint narrative:
i've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-17 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: FL

Complaint narrative:
i've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-16 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: FL

Complaint narrative:
I am writing to formally dispute certain items on my credit report. I have reviewed my report and identified multiple unauthorized hard inquiries and incorrect personal information. Please investigate these items and remove or correct them as required under the Fair Credit Reporting Act ( FCRA ). 

XXXX ) Hard Inquiries to Remove - XXXX XXXX XXXXXXXX ( inquired on XX/XX/XXXX ) - XXXXXXXX XXXX XXXXXXXX ( inquired on XX/XX/XXXX ) - XXXX XXXX  ( inquired on XX/XX/XXXX ) - XXXX XXXX ( inquired on XX/XX/XXXX ) - XXXX XXXX XXXX XXXX XXXX XXXX  ( inquired on XX/XX/XXXX ) - XXXX XXXX XXXX ( inquired on XX/XX/XXXX ) - XXXX XXXX XXXX  ( inquired on XX/XX/XXXX ) XXXX ) Incorrect Personal Information Please correct my name to my legal name Remove all other name variations and ensure my employer information is up-to-date and accurate. 

XXXX ) Inaccurate Account Information Please verify and update any potentially inaccurate account details, especially any account showing a past-due balance or outdated status.

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 2025-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: OK

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 2025-06-16 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Recently reviewed my credit report and notice an account that was not reporting accurately. I had XXXX late payment on the account but I was in fact, paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following date. XX/XX/year> shows XXXX  days late which is not accurate I'm now requesting you investigate this account and update this payment to paid on time immediately. Thank you for understanding this and prompt action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
According to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) OF THE FAIR CREDIT REPORTING ACT any entity that furnishes data to a credit reporting agency is prohibited from reporting information they know or have reasonable cause to believe is inaccurate. The following accounts are fraudulent, unverified, and do not belong to me : ACCOUNT NAME : CAPITAL ONE ACCOUNT NUMBER : XXXX, ACCOUNT NAME XXXX XXXX XXXX ACCOUNT NUMBER : XXXX, ACCOUNT NAME : XXXX, ACCOUNT NUMBER : XXXX, ACCOUNT NAME : XXXX, ACCOUNT NUMBER : XXXX, ACCOUNT NAME : XXXX, ACCOUNT NUMBER : XXXX, ACCOUNT NAME : XXXX XXXX  XXXX, ACCOUNT NUMBER XXXX, ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT NUMBER : XXXX, ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX, ACCOUNT NAME : XXXX XXXX, ACCOUNT NUMBER : XXXX, ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT NUMBER : XXXX, I DEMAND ALL BE DELETED AND BLOCKED IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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:
Having public records on my credit report is deeply distressing, and I kindly ask for their immediate removal to alleviate this XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This company is reporting fraudulent inaccurate information on 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