vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 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: Possible Financial Inc
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX I am writing to formally dispute an inaccurate and unauthorized account listed on my credit report. The account in question is reported as follows, Creditor Name : Possible Financial INC Account Number : XXXX Status : Closed Issue : unauthorized account and inaccurate late payment reporting. 
Bureau ( s ) reporting : ( XXXX, XXXX, XXXX ) I have never applied for, opened, or authorized an account with Possible Financial Inc., and I have no knowledge of this financial relationship. Additionally, there are multiple late payments listed under this account that are not valid and should not be associated with my credit history. I believe this is a clear case of identity theft, a reporting error, or account misassociation. 

As a result, I am demanding the following : Immediate deletion of this account from my credit file. 

Full removal of all associated late payment history tied to this account. 

A reinvestigation under Section 611 of the FCRA. 

A written statement of the results of your investigation. 

If you are unable to verify the accuracy of this account with valid documentation from the creditor within 30 days, you are required by law to delete it from my file. 

Failure to respond appropriately will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and possibly legal action. 

Sincerely, 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 disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: NJ

Complaint narrative:
TO THE CONSUMER FINANCIAL PROTECTION BUREAU : I am submitting this formal complaint in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, regarding inaccurate or unverifiable information being reported on my credit file. Despite efforts to resolve this directly with the credit reporting agency and/or data furnisher, the issue remains unresolved. 
DISPUTED ACCOUNT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I do not recognize or acknowledge this account as accurate, valid, or legally verifiable. I requested validation and/or documentation to confirm the debts legitimacy, but have not received any adequate response. The following concerns apply : 1 The reporting party has not provided evidence that I opened this account or agreed to its terms. 
2 There is no documentation proving the legal transfer or assignment of the debt, if applicable.

3 The credit bureau has continued to report this account without verifying its accuracy, which violates 15 U.S.C. 1681i. 
4 This account is causing harm to my credit profile and is being reported without a valid legal basis. 


Thank you for your attention and help. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: CT

Complaint narrative:
I went to Wells Fargo on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I tried to withdrawal {$860.00} XXXX from the ATM. The transactions went through and the ATM displayed to take the cash but nothing came out. Then it came up with an error and said to call. 
The branch was open so I talked to a teller and they said they cant help. 
So I called Wells Fargo, someone opened a claim for me and said it will take 10 business days for the to investigate and be in touch with their findings. I asked for a supervisor and requested a provisional credit and was told no, that I have to wait for them to process the claim. 
It is a large amount of money I was taking out to give my fiance to pay our mortgage. 
I have a lot of bills coming due and now I am short {$850.00} XXXX with no help from Wells Fargo.

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 2025-04-14 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: TX

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-14 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion Failure to Investigate Disputed Hard Inquiry Dear CFPB, I am submitting a formal complaint against TransUnion, LLC ( Trans Union ) for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically regarding its failure to conduct a reasonable investigation of a disputed hard inquiry on my credit report or, alternatively, its failure to remove the disputed inquiry after investigation.

Background of the Violation On [ Date of Dispute ], I disputed a hard inquiry on my TransUnion credit report from Capital One dated XX/XX/year>, which I did not authorize. Under 1681i ( a ) ( 1 ) ( A ), TransUnion was required to conduct a reasonable investigation into the disputed item. However : No Proper Investigation Conducted : TransUnion either failed to investigate or performed a perfunctory review, as the inquiry remains on my report without valid verification. 
Failure to Remove Unverifiable Information : If TransUnion claims it investigated, it clearly failed to correct the error, violating 1681i ( a ) ( 5 ) ( A ), which requires deletion of unverifiable information.

Harm Caused : This unauthorized inquiry has negatively impacted my credit score, potentially affecting my ability to secure loans, housing, or favorable interest rates.

Legal Basis for Complaint 1681i ( a ) ( 1 ) ( A ) : Requires CRAs to conduct a reasonable reinvestigation of disputed items.

1681i ( a ) ( 5 ) ( A ) : Mandates deletion of information that can not be verified.

1681n & 1681o : Provides for statutory damages ( up to {$1000.00} per violation ) and punitive damages for willful noncompliance.

Relief Requested This complaint is also relevant to the ongoing class action litigation against TransUnion for systemic FCRA violations in handling disputes. I request that the CFPB investigate whether TransUnion is engaging in a pattern of unlawful conduct by failing to properly investigate disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: MS

Complaint narrative:
I am filing a complaint because my creditor is reporting a collection on my account ending in XXXX that is inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furnisher but the collection account remains without proper validation or documentation. Under 15 USC 1681 S 2A furnishers must report accurate information under 15 USC 1681 I the credit bureaus must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative 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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate derogatory marks on my report Experian reported my XXXX XXXX  as 90 days late and there was never a 30, 60 days late day right after yall did the investigation. They got XXXX XXXX all my accounts derogatory. They gave me XXXX points for the removal of 3 collections for inaccuracy and they took a whole XXXX point off my credit report. This is very unfair for this inaccuracy from Experian. By law they can not do this according to Law 15 U.S. code 1666b timing of payments. And its not listed on any other credit company

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: NJ

Complaint narrative:
I am submitting this formal complaint in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, regarding inaccurate or unverifiable information being reported on my credit file. Despite efforts to resolve this directly with the credit reporting agency and/or data furnisher, the issue remains unresolved. 
DISPUTED ACCOUNT DETAILS : CREDITOR OR COLLECTION AGENCY NAME : XXXX XXXX XXXX ACCOUNT NUMBER ( IF KNOWN ) : ACCT # XXXX I do not recognize or acknowledge this account as accurate, valid, or legally verifiable. I requested validation and/or documentation to confirm the debts legitimacy, but have not received any adequate response. The following concerns apply : 1 The reporting party has not provided evidence that I opened this account or agreed to its terms.

2 There is no documentation proving the legal transfer or assignment of the debt, if applicable.

3 The credit bureau has continued to report this account without verifying its accuracy, which violates 15 U.S.C. 1681i.

4 This account is causing harm to my credit profile and is being reported without a valid legal basis. 


Thank you for your attention and help. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Global Lending Services LLC
State: AZ

Complaint narrative:
Global Lending Services LLC is reporting XXXX inaccurate late payments and missing data on my credit reports for account XXXX XXXX XXXX XXXX  The following months are falsely reported as late : XXXX : XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX : XXXX, XXXX, XXXX, XXXX, XXXX In addition, the payment history is listed as no data available for XXXX and XXXX XXXX clear violation of completeness standards. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and standardized credit reporting protocols under XXXX XXXX and the XXXX XXXX Guidelines. 

I submitted a formal dispute to Global Lending Services and to the credit bureaus ( XXXX, XXXX, XXXX ), demanding the deletion or correction of this unverifiable information. The inaccurate entries are materially damaging my credit and misrepresenting my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: NJ

Complaint narrative:
I am writing to formally request the removal of a bankruptcy currently listed on my credit report. The bankruptcy filing number is XXXX. This record should no longer be reported under the federal guidelines set forth by the Fair Credit Reporting Act ( FCRA ). 
According to 15 U.S.C. 1681c ( a ) ( 1 ) of the FCRA, civil judgments and bankruptcies may only be reported for a maximum of seven ( 7 ) years from the date of filing, except in the case of a Chapter 7 bankruptcy, which may be reported for up to ten ( 10 ) years. In this case, more than seven years have passed, and this record should have been removed from my credit file. Continuing to report it past the allowable time limit is a direct violation of the FCRAs permissible reporting periods. 

Additionally, I have contacted the bankruptcy court directly, and they confirmed that they do not furnish information to credit reporting agencies, which means any reporting on this item must be independently verified by TransUnion and supported with a current legal basis. If TransUnion can not provide documented evidence that continued reporting of this bankruptcy is lawful and within the allowed timeframe, it must be removed immediately.

In accordance with 15 U.S.C. 1681i, I am exercising my right to dispute this information and request that a reasonable reinvestigation be conducted. If the information can not be verified, it must be deleted from my file within the 30-day period allowed by 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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am filing a complaint because my creditor is reporting a collection on my account by the name of XXXX XXXX XXXX. Collection agency is not even properly reporting an account number as well as the account being on my report twice. This account is inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furnisher but the collection account remains without proper validation or documentation. Under 15 USC 1681 S 2A furnishers must report accurate information under 15 USC 1681 I the credit bureaus must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: TX

Complaint narrative:
I recent review a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: TX

Complaint narrative:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance {$390.00XXXX XXXX XXXX XXXXXXXX Balance {$310.00} XXXX XXXXXXXX Balance {$490.00} XXXX XXXX XXXXalance {$24000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
I am writing to request validation of the debt you claim I owe. Under the Fair Debt Collection Practices Act, I have the right to request this information. Please provide me with the following : The amount of the debt.

The name of the creditor to whom the debt is currently owed.

Verification of the debt, including a copy of the original agreement.

A detailed account statement reflecting the charges that led to the current balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation