vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Subject : Willful FCRA Violation by XXXX XXXX & TransUnion - Demand Deletion for 30-Day Noncompliance Complaint Details : I am filing this complaint against XXXX XXXX  and TransUnion for violating 15 U.S.C. 1681i ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ) by failing to complete a credit dispute within the legally mandated 30-day window. Due to this violation, I demand the disputed item be permanently deleted from my TransUnion credit report as remedy. 

Key Facts : - Dispute Submitted : XX/XX/year>2025 ( via XXXX XXXXTransUnion , Reference XXXX ). 
- Today 's Date : XX/XX/year>2025 ( 44 days overdue ). 
- Status : Still marked " in review '' with no resolution or communication. 
- FCRA Requirement : Disputes must be resolved within 30 days per 1681i ( a ) ( 1 ).

Violations : 1. Failure to Timely Investigate ( FCRA 1681i ).

2. Failure to Provide Results in Writing ( FCRA 1681i ( a ) ( 6 ) ( A ) ).

Remedies Demanded : 1. Immediate deletion of the disputed item from my TransUnion report due to their statutory violation.

2. Written confirmation of the deletion and proof of compliance. 
3. Investigation into XXXX XXXXTransUnion 's pattern of missing deadlines. 

Attached Evidence : - Screenshot of dispute status ( submitted XX/XX/scrub> 2025, still pending ).

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 2025-08-14 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: PA

Complaint narrative:
I am writing to formally inform you that I have been the victim of XXXX separate data breaches affecting my personal and financial information. I believe these breaches raise serious concerns under the Fair Credit Reporting Act ( FCRA ), particularly regarding the handling and reporting of information as governed by 15 U.S.C. 1681c.

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 2025-08-14 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: PA

Complaint narrative:
I am writing to formally inform you that I have been the victim of XXXX separate data breaches affecting my personal and financial information. I believe these breaches raise serious concerns under the Fair Credit Reporting Act ( FCRA ), particularly regarding the handling and reporting of information as governed by 15 U.S.C. 1681c.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I do not have any contractual agreement with XXXX XXXX XXXX, which operates as the principal brand of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX an independent, publicly traded company listed on the XXXX XXXX 

XXXX XXXX XXXX and Capital One have a documented predatorial history of targeting individuals by negatively impacting their credit scores before verifying the validity of the debts they acquire ( refer to attached documents ), leading to numerous lawsuits. 

I did not authorize XXXX XXXX XXXX or its affiliates, including XXXX XXXX or XXXX  to utilize my private and sensitive information for their financial gain or profit-driven motives. This unlawful practice has caused significant financial hardships, emotional strain, and marital XXXX  for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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 recently reviewed my credit report and noticed an error on one of my accounts. It is showing a late payment, but this payment was actually made on time. As a consumer reporting agency, you are required to ensure all information is reported with complete accuracy. This account has never had a late payment.

Ive attached a copy of my report for reference, highlighting the date in question, which is XXXX 2025.I am requesting that you investigate this matter and promptly update the payment history to reflect that all payments were made on time. Thank you for your attention to this issue.

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 2025-08-14 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: NY

Complaint narrative:
I recently reviewed my credit report and noticed an error on one of my accounts. It is showing a late payment, but this payment was actually made on time. As a consumer reporting agency, you are required to ensure all information is reported with complete accuracy. This account has never had a late payment.

Ive attached a copy of my report for reference, highlighting the date in question, which is XXXX 2025.I am requesting that you investigate this matter and promptly update the payment history to reflect that all payments were made on time. Thank you for your attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: NY

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$350.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$1000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 explanation
Consumer complaint received 2025-08-14 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: CA

Complaint narrative:
I am writing to dispute inaccurate personal information currently listed on my credit report. Upon reviewing my report, I found incorrect details under my personal profile, such as outdated or unfamiliar names, addresses, phone numbers, and/or employment history. 
I have not used or been associated with some of the information listed, and the presence of these inaccuracies could result in misidentification, confusion with other individuals, or even potential fraud. I have already submitted requests for correction and provided documents to verify my true and current information, yet the errors remain unresolved. 
These inaccuracies are not only misleading but could also impact future credit decisions. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all personal information in my credit report is accurate and up to date.

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 2025-08-14 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: OK

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: CA

Complaint narrative:
Summary : My social security benefit is deposited to the Comerica bank XXXX XXXX XXXX XXXX. They will not allow me to transfer funds to my personal bank account and have now completely XXXX the debit card because of purported fraud. I now have no access to my social security benefit money. 

Comerica bank informed me that a birth certificate and social security card would be acceptable for the bank transfer to be approved. 
After providing my birth certificate and social security card they denied the transfer request and told me those documents were not acceptable. 

After using the debit card to access funds via ATM and using the card online, my card was frozen by the bank. After contacting the bank, I was advised to provide a valid ID front and back. I received an email that the ID had been approved and instructed to call customer service. Customer service advised that a birth certificate and social security card were necessary to verify the account and activate the card. My birth certificate and social security card were provided. I received multiple denials to enable my debit card via email stating the request was denied because my ID expired. This is not true. My ID expiration date is XX/XX/XXXX. The most recent email denial was received today XX/XX/XXXX at XXXX XXXX  PST. I have attached the email thread below with ID.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-14 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have a duty to report accurate information about consumers. Please investigate these accounts and inquiries and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: NY

Complaint narrative:
This credit card company raised interest rates without notice. Also they are charging a $ XXXX  monthly maintenance fee on top of an annual fee on a closed credit card. In addition they are charging excessive late fees.

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 2025-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/year>2025, I was manipulated by an individual impersonating a Wells Fargo employee to transfer money from my account to a card which he provided as a means to prevent a fraudulent transaction. 
On that date, I received a fraudulent text message that appeared to be from Wells Fargo, alerting me to a suspicious charge. After replying No to the prompt, I was contacted via phone by an individual who identified himself as XXXX, a representative of the Wells Fargo fraud department. He provided a Wells Fargo employee ID number to appear legitimate and further gain my trust. 
To deepen the deception, XXXX also referenced and confirmed the last two legitimate transactions on my account. At that point, I had no reason to doubt his identity, and I believed I was speaking with an actual Wells Fargo employee acting in my best interest. 
He explained that my card had been compromised and guided me through the process of removing it from XXXX XXXX. He then instructed me to add a replacement card, which he provided, and directed me to transfer funds to that card as a security measure to protect my money. The instructions were detailed, and the impersonation was highly convincing. 
Once I realized I had been defrauded, I contacted Wells Fargo immediately. However, I was informed that the transaction could not be reversed because I had authorized the transfer. I respectfully dispute this decision. 
While the transaction was technically authorized, it was done under false pretenses by someone posing as a trusted bank representative, using insider knowledge and social engineering tactics. This is a clear case of authorized push payment ( APP ) fraud, where a customer is tricked into transferring funds to a scammer. 
I acted in good faith and made every decision based on information provided by someone who convincingly represented themselves as a Wells Fargo employee. I was manipulated, misled, and defrauded, and I am asking the bank to recognize the reality of how this fraud was executed and re open the case.

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 2025-08-14 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Unauthorized entities have opened and reported fraudulent accounts, using my identity without my authorization, violating my rights under the Fair Credit Reporting Act ( 15 U.S.C. Section 1681b,1681c ) and 605B. These entities are reporting inaccurate and unverified information, constituting identity theft and violating my legal rights to accurate credit reporting and privacy. I demand immediate removal and permanent blocking of all fraudulent accounts on all my credit reports, at all credit reporting agencies and bureaus, cessation of all collection activities related to these accounts, and full compliance with the FTC and CFPB regulations. Continued reporting or collection without proper validation violates federal law and may result in legal action. I assert my rights to protect my identity and ensure accurate credit reporting. I demand prompt investigation and immediate removal, and blockage of all fraudulent information in accordance with federal law to prevent further harm thereof. The following are accounts affected : 1. XXXX XXXX XXXX : Date fraud began : XX/XX/XXXX/XXXX  Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$880.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$570.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 explanation
Consumer complaint received 2025-08-14 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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.

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