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

Complaint narrative:
Subject : Formal Complaint Unauthorized Hard Inquiries in Violation of 15 U.S.C. 1681b ; Demand for Wet Signature Verification and Immediate Deletion Dear CFPB Officer, This is a formal complaint regarding multiple unauthorized hard inquiries that have been recorded on my consumer credit reports by various entities without my knowledge, consent, or a permissible purpose, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b.

Under federal law, a hard inquiry into a consumers credit file requires explicit written authorization, and any company accessing a credit report must maintain documentation of that consent, such as a wet signature on a credit application or service agreement. 

To date, none of these entities have provided such documentation, and I have never initiated applications or provided authorization for these inquiries. 

UNAUTHORIZED HARD INQUIRIES REQUEST FOR WET SIGNATURE VALIDATION OR DELETION The following hard inquiries are unauthorized and must be removed immediately unless the respective furnishers can provide a copy of my original signed authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Legal Grounds for Immediate Deletion : Under the FCRA : 15 U.S.C. 1681b ( f ) prohibits any person from obtaining a credit report unless they have a legally permissible purpose and valid consumer authorization.

If no wet signature or original signed document exists proving my consent, then these inquiries constitute unauthorized access and must be deleted immediately.

Continued failure to delete these inquiries will be treated as willful noncompliance under 15 U.S.C. 1681n & 1681o, subjecting the bureaus and furnishers to statutory and actual damages, punitive damages, and attorneys fees. 

Relief Requested : Immediate deletion of the above-referenced inquiries from all credit reporting agencies ( Equifax, Experian, and TransUnion ) XXXX 

Require each furnisher to submit proof of my wet signature on a credit application or authorization form. 

If no such proof is produced, compel the removal of the inquiry and issue penalties or sanctions where applicable. 

Provide written confirmation of all deletions or investigative findings. 

Thank you for your immediate attention to this matter. If the above inquiries are not deleted in compliance with the law, I will escalate with further legal action and reports to the FTC, State Attorney General, and private legal counsel. 

Sincerely,

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kovo
State: CA

Complaint narrative:
The accounts listed below are incorrect and is affecting my credit i dont know why they are reported on my credit report inaccurate but i will like them removed ASAP XXXX is being reported as closed with balance fully paid off but its showing two missed payments. I will like that removed XXXX XXXX is showing as closed with one missed oayment that account was settled with no miss payments. I will like this removed off of my credit report. 
XXXX XXXX XXXX XXXX is showing closed with four miss payments that is inaccurate that account is settled. 
please remove these accounts of my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: CA

Complaint narrative:
The accounts listed below are incorrect and is affecting my credit i dont know why they are reported on my credit report inaccurate but i will like them removed ASAP XXXX is being reported as closed with balance fully paid off but its showing two missed payments. I will like that removed Self lead/ is showing as closed with one missed oayment that account was settled with no miss payments. I will like this removed off of my credit report. 
XXXX XXXX XXXX XXXX is showing closed with four miss payments that is inaccurate that account is settled. 
please remove these accounts of my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tennessee Credit Management, Inc
State: FL

Complaint narrative:
After reviewing my credit report, I discovered TCM INC is reporting this negative account on my file. I requested debt validation on the debt they are inaccurately reporting on my credit report. They have not provided proper documentation validating this debt. I have asked them to delete this account from my file with the credit bureaus as it does not meet the FCA reporting requirements.

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 2025-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
PayPal has sent me a bill for transactions ( + dispute fees ) that I never made. PayPal says that {$240.00} is due. I have not received any money or transferred any money to anyone. I do not owe PayPal any amount. I have a PayPal account ( XXXX ) but PayPal is using an account name that is not mine ( XXXX ). I do not have an email account ( or a PayPal account ) by this name. 

I have called PayPal to try to correct the problem, but this has not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-06 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: IL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-06 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 late payment entry is unjustified. I paid on time and can verify it with account statements. I ask that this mistake be corrected as it inaccurately reflects my financial responsibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Data Mortgage Inc.
State: FL

Complaint narrative:
Company reported payments as excessively late ( 90, 120, 150, or 180 ) late when payments were made and also while in a loan modification process. Period covers XX/XX/XXXX to XX/XX/XXXX. XXXX also returned an XX/XX/XXXX payment and then reported it late. Loan modification began in XX/XX/XXXX and was informed that payments could not be made during this time although XXXX has continued to report those months as late. Tried to dispute thru credit bureaus but XXXX XXXX has not been responsive. When pressed by XXXX the mortgage company responded with additional late payments that were not reported originally ( also incorrectly ). Report from XXXX also states ( incorrectly ) that no payments were received from XX/XX/XXXX thru XX/XX/XXXX in their Balance remaining section of the response to the inquiry.

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

Complaint narrative:
I had a conversation with the credit bureau Experian months ago, and they still have not taken these delinquent items off of my credit report and they know that it was fraudulent. I did not make any of these accounts.

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 2025-06-06 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 had a conversation with the credit bureau Experian months ago, and they still have not taken these delinquent items off of my credit report and they know that it was fraudulent. I did not make any of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: NJ

Complaint narrative:
I checked my credit report and on another bureau it showing as settled and coming off my credit on different months

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 2025-06-06 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 am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-06 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.

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 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 2025-06-06 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: GA

Complaint narrative:
Because of a recent data breach, my credit report has been corrupted by unauthorized accounts. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I request immediate blocking and deletion within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-06 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: GA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

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
Consumer complaint received 2025-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing to formally express my concern regarding the continued withholding of funds associated with my Wells Fargo account, which was closed without clear explanation as of XX/XX/XXXX. 

For the first XXXX weeks following the account closure, I was not provided with any specific reason for this action. I have since been informed that the issue may relate to a check I deposited, which was allegedly flagged for potential fraud. However, I have submitted sufficient documentation to demonstrate the legitimacy of the check, including confirmation from both the issuer and myselfwho signed the check in the presence of Wells Fargo personnel. 

Additionally, the individual who issued the check has confirmed with both Wells Fargo and XXXX XXXX XXXX XXXX ( the issuing bank ) that there are no concerns regarding the transaction. Despite this, Wells Fargo continues to withhold my funds without a clear resolution or timeline for release. 

All requested evidence has been provided, and I respectfully request that Wells Fargo take immediate steps to release my funds. The continued delay, in the absence of a valid justification, is both distressing and disruptive. 

Please consider this an urgent matter, and advise on the next steps required to resolve it promptly. 

.

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TransferWise Ltd

Complaint narrative:
On XX/XX/year>, Wise executed a manual refund adjustment that removed XXXX from my account and returned it to the sender without proper justification. 

This amount was part of a completed transaction I received through a XXXX XXXX XXXX XXXX  ) from a buyer named XXXX XXXX XXXX ( XXXX username : XXXX ). The buyer received the service as agreed but then submitted a false refund claim through Wise. 

Wise proceeded to refund the money without : Notifying me in advance Allowing me to present any evidence Explaining why the refund was justified Providing a formal investigation report I requested Wise to provide : A detailed explanation of the refund decision Evidence submitted by the sender An official account statement Escalation to their compliance or fraud team However, Wise only responded with a generic message stating they could not disclose any information and that the refund had already been processed. 

To make matters worse, the buyer admitted via multiple chat messages ( on XXXX and XXXX ) that : They received the full value of the transaction They knew how to exploit Wises refund system They demanded an additional XXXX USDT from me in exchange for forgiveness They mocked Wise for refunding without asking questions I have screenshots of these conversations and the full Wise statement showing the manual deduction of XXXX USD on XXXX XX/XX/scrub>XXXX XXXX

Company response to consumer: Closed with explanation