vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 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: WY

Complaint narrative:
I am including a copy of the most recent dispute with transunion in regards to an automobile loan with XXXX XXXX  account # XXXX with balance of {$26000.00} which came back verified.i highlighted some of the inaccurate information # 1 the creditor says that the first payment was never received which if you look at the payment history on this account you can clearly see that payments where made on XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and the first 30daysblate being reported is XX/XX/XXXX with XXXX payments being made.this is clearly inaccurate reporting.everthing needs to be 100 percent accurate or it must be deleted also the high balance is {$30000.00} which is clearly inaccurate if the first payment was never made and I they are reporting a balance of {$26000.00} which is clearly inaccurate information delete immediately this report is from XX/XX/XXXX my most recent report.i have disputed this account several times and transunion is not doing a proper investigation.XXXX  and XXXX  have both deleted this inconsistent account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-05 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Im submitting an additional complaint against Wells Fargo, so that others can be notified of my experience. Im sure this happens to everyone. I attempted to make a purchase on XX/XX/2025 for {$580.00} on XXXX using XXXX Wells Fargo and the purchase looks like it did not go through and after speaking with XXXX, they said they werent seeing it so then I attempted again to make another purchase for the same amount. XXXX is also saying that the second transaction did not go through however, Wells Fargo debited my account for twice for two transactions of {$580.00} each. So there is about {$1.00} thats been debited from my checking account since XX/XX/XXXX its already XX/XX/XXXX but have no access to these funds. Wells Fargo is saying that since the transaction still is pending that they cant issue a temporary credit. I have proof from XXXX showing that the transactions were canceled and did not go through. Ive called and spoken with Wells Fargo several times the claims department and they just make excuses saying that its their policy that pending that they cant issue a temporary credit. This should be an easy fix since I have proof. The claims department has to just contact XXXX directly and verify if the transaction was successful or canceled or not. I have the emails from XXXX showing that the transaction was canceled and did not go through for both of both transactions. To me this is beyond ridiculous that going on four business days and theres still the funds missing from my checking account. So if Wells Fargo is doing this to me, imagine them doing it to someone thats on fixed income thats elderly and just has a Social Security check and if they have funds missing where they cant pay bills or buy groceries, pay for prescription XXXX, and etc. I am sure this happens to everyone because if this is their policy where they dont issue a temporary credit for anything thats pending, and then they cant even contact the merchant directly and verify if the transaction was successful or canceled and then refund the funds. I know Wells Fargo is being in the news a lot over the years and has a lot of negative publicity, but they kind of do it to themselves. This is just another example. This couldve been resolved right away. Wells Fargo could either issue a temporary credit and then reverse it if the transactions refunded or they could call the merchant directly, or by other means and verify themselves Im not talking about like {$5.00} dollars thats missing over {$1100.00} that I cant use for anything else.

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Incorrect information on my credit report NAME : XXXX XXXX XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, PR XXXX EMPLOYER : XX/XX/XXXX EMPLOYER : XXXX XXXXXXXX XXXX EMPLOYER : XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX PR XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PR 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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: TX

Complaint narrative:
Verisk-sourced data is inaccurate and unverified, violating FCRA 607 ( b ). 
LexisNexis included inaccurate data in my Consumer Disclosure Report ( dated XX/XX/XXXX, Consumer Number XXXX, Case Number XXXX ), sourced from XXXX XXXX XXXX, including an unrelated email ( XXXX, Page XXXX ) and multiple questionable addresses ( e.g., XXXX, AL XXXX, Page 6 ). An identity theft alert was placed on XX/XX/XXXX ( Page 4 ), but LexisNexis has not blocked or verified this data, potentially violating FCRA 607 ( b ) and 605B. XXXX marketing-focused data XXXX not be suitable for CRA verification XXXX 

The following data points are sourced from XXXX XXXX XXXX, as indicated in the LexisNexis Consumer Disclosure Report for XXXX XXXX XXXX ( Pages 611 ). Each entry includes the specific data, the page number, and XXXX contact information as provided in the report. 

Addresses : Address : XXXX XXXX XXXX XXXX, XXXX, AL XXXX Source Contact : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, Suite XXXX, XXXX, TX XXXX Address : XXXX, AL XXXXXXXX XXXX XXXX : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, Suite XXXX, XXXX, TX XXXX Address : XXXX, AL XXXX Source Contact : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, Suite XXXX, XXXX, TX XXXX Address : XXXX XXXX XXXX XXXXXXXX, AL XXXX Source Contact : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, Suite XXXX, XXXX, TX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Source Contact : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, Suite XXXX, XXXX, TX XXXX Address : XXXX, FL XXXX Source Contact : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, Suite XXXX, XXXX, TX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Source Contact : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, Suite XXXX, XXXX, TX XXXX Address : XXXX XXXX XXXX, XXXX, TX XXXX Source Contact : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, Suite XXXX, XXXX, TX XXXX Address : XXXX XXXX DAIRY XXXX XXXX, XXXX, TX XXXX Source Contact : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, Suite XXXX, XXXX, TX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Source Contact : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, Suite XXXX, XXXX, TX XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Source Contact : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, Suite XXXX, XXXX, TX XXXX Address : XXXX, GA XXXX Source Contact : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, Suite XXXX, XXXX, TX XXXX Email Addresses : Email : XXXX Source Contact : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, Suite XXXX, XXXX, TX XXXX Email : XXXX Source Contact : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, Suite XXXX, XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: CO

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-06-05 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: CO

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-06-05 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:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: IN

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 

TRANSUNION XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

EQUIFAX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC XXXX ( XXXX ) ( b ). 

And according to 15 USC XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( XXXX ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( XXXX ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC XXXX they are suppose to 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
Consumer complaint received 2025-06-05 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: IN

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 

TRANSUNION XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

EQUIFAX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC XXXX ( XXXX ) ( b ). 

And according to 15 USC XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( XXXX ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( XXXX ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC XXXX they are suppose to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
Date : XX/XX/year> On XX/XX/year>, I accessed my credit report and noticed that Sequium Asset Solution had reported an alleged debt regarding an account with XXXX. On the same day, I sent a formal demand letter to Sequium Asset Solution via email requesting validation and verification of the alleged debt under the Fair Debt Collection Practices Act ( FDCPA ).

In my letter, I requested detailed information about the debt, including : Proof of debt ownership and a full chain of title from the original creditor ( XXXX ) to Sequium Asset Solution.

An itemized billing statement showing a breakdown of charges, dates of service, and any adjustments or payments.

Proof of standing to collect the debt, including documentation of their authority to collect and their legal right to report the debt to credit bureaus.

Verification of the statute of limitations, including the date of the last payment or billing statement.

Full validation of the debt, including the amount owed, the name of the original creditor, and a copy of the agreement bearing my signature that created the debt obligation.

Additionally, I requested proof of compliance with federal and state laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Texas Consumer Protection Laws, and other legal obligation
s. I also demanded documentation of their investigation and audit trail, proof of a surety bond filed with the Texas Secretary of State ( as required by Texas Finance Code 392.101 ), and confirmation that my personal information was safeguarded under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ).

I emphasized that during the validation period, they must cease all collection activities, including reporting the debt to credit bureaus, as required by law. I also made it clear that my request for validation does not constitute an acknowledgment of the debt but is solely to ensure compliance with applicable laws and verify the accuracy and legitimacy of the information being furnished.

I informed Sequium Asset Solution that failure to respond to my validation request within 30 days would result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and potentially initiating legal proceedings for damages caused by their actions. I also demanded that all future communications be in writing and sent to my address, and I warned that any further unauthorized actions would be documented and used as evidence in legal proceedings.

This letter served as a formal demand for validation and a cease-and-desist notice to prevent further violations of my rights under federal and state laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: MI

Complaint narrative:
I am a victim of identity theft the year XXXX my information was breach by way EQUIFAX XXXX fraudulent accounts were opened without my Permission I tried telling the credit reporting agency but they weren't listening XXXX EQUIFAX and transunion furnished a consumer report to a person i didn't know by the name of XXXX XXXX I'm requesting that the accounts I identify in my FTC report be blocked as required according FCRA 605B REQUIRES CREDIT REPORTING AGENCY TO BLOCK INFORMATION IDENTIFIED BY THE CONSUMER AS RESULTING FROM IDENTITY THEFT .. DOCUMENTS UP LOADED..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: NC

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 XXXX XXXX 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