vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible.

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 2025-06-18 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: IA

Complaint narrative:
As of the top of this year passed into law effective immediately I would like all medical debt off my credit history as it is s violation to my civil rights expediously thankyou

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: TN

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: GA

Complaint narrative:
I have tried to send letter to you guys before but i have never seen my disputes get processed so i am attaching the letters here. I want you to investigate everything that is incomplete or inaccurate and if you cant verify the completeness and or accuracy then you need to delete from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
b'Subject: Experian Refused to Remove Medical Debt in Violation of CFPBs XXXX XXXX XXXX Rule\n\nComplaint:\n\nI am filing a complaint against Experian for failing to comply with the Consumer Financial Protection Bureaus final rule that prohibits the inclusion of medical debt on consumer credit reports, effective XXXX XXXX XXXX.\n\nAs of XXXX XXXX XXXX, Experian continues to report two medical collection accounts on my credit report, despite this rule being in effect. When I contacted Experian by phone, the representative claimed they were unaware of the rule and refused to remove the item. I requested escalation to a supervisor or dispute specialist and was told they could not help me unless I provided documentation that the debt was inaccurate  which is not the standard under the new rule.\n\nThis medical debt is accurately labeled as a medical collection, yet it should no longer appear on my credit report at all, regardless of amount, payment status, or age, per the CFPBs new regulation.\n\nThis is a clear violation of federal consumer credit reporting law as revised by the CFPBs XXXX final rule.\n\nDetails of the Account Being Reported:\n\t\tCollector Name: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI am requesting that the CFPB:\n\t\tInvestigate Experians continued reporting of medical collections\n\t\tRequire Experian to comply immediately with the new rule\n\t\tEnsure the medical collection accounts are removed from my credit report\n\t\tEnforce accountability for failure to follow the federal policy\n\nThank you for your attention to this matter. I would appreciate written confirmation of your investigation and resolution.'

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 2025-06-18 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: NH

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-18 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: NH

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UPGRADE, INC.
State: AR

Complaint narrative:
I have a checking account with Upgrade ( XXXX XXXXXXXX XXXX ). On XX/XX/2025, I contacted the IRS about my refund and was told that my {$7000.00} refund was deposited into my account in XXXX. I was unaware of this because someone had changed the phone number and email to get alerts on my account without my permission. 

I was unable to access my account and had to speak with a representative. Once they located my account, I was told that multiple transactions had occurred. I informed them that I did not authorize any of these transactions and requested to dispute all activity. 

I also filed a identity theft report with identitytheft.gov to give to Upgrade and asked them for my contact info to be corrected, but was told my account must be investigated first before any changes can be done on my account. It has now been nearly over 30 days, and I contacted them today XX/XX/2025 asking the status of the investigation on my account and it was told to by a supervisor my account was terminated XX/XX/XXXX which is a day after i requested a dispute for all activity on my account on XX/XX/2025. I also was told they dont see any suspicious activity and they closed my account with no help or refund of my stolen funds. 

I am urgently requesting a full investigation and a return of the {$7000.00} that was stolen from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: LA

Complaint narrative:
Experian, Equifax and Transunion has reported inaccurate and unverifiable items on my credit file. I have disputed several accounts/inquiries directly with all three bureaus, and they have failed to perform a reasonable investigation as required under the FCRA ( 15 U.S.C. 1681i ). 

Additionally, in light of recent federal lawsuits and settlements involving the credit bureaus failure to correct known inaccuracies, I believe my file has been mishandled in a way that has caused harm, including credit denial and lower credit scores resulting in higher interest rates I request that the CFPB open an investigation into Equifax, Ecperian and Transunion handling of my file, and that a full audit and correction/removal of the following items be completed : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Items 7 years and older and all accounts that have been attached to inaccurate names. My information has been reported to me by each agency to have been exposed on the dark web. I have included alerts showing proof that these agencies were aware of fraudulent activity on my credit file.Yet when disputes are issued of items that are inaccurate they still remain. 

I demand that these credit bureaus be held accountable for noncompliance with the Fair Credit Reporting Act and request that the CFPB assist me in resolving these serious credit reporting violations.

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 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Reporting inaccurate information on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: NJ

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : 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 explanation
Consumer complaint received 2025-06-18 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: AZ

Complaint narrative:
I have discovered that my personal information was used without my authorization to open accounts and conduct transactions that I did not initiate. I strongly assert that these accounts and transactions are fraudulent, resulting from identity theft or fraud. Despite promptly reporting this issue to the appropriate authorities and the involved companies, the matter remains unresolved, and the fraudulent accounts and charges persist on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: AZ

Complaint narrative:
I have discovered that my personal information was used without my authorization to open accounts and conduct transactions that I did not initiate. I strongly assert that these accounts and transactions are fraudulent, resulting from identity theft or fraud. Despite promptly reporting this issue to the appropriate authorities and the involved companies, the matter remains unresolved, and the fraudulent accounts and charges persist on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: NH

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/year>

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 2025-06-18 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible.

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 2025-06-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I am filing this complaint regarding an unresolved issue with Wells Fargo Bank , N.A . 

On XX/XX/year>, I participated in a mediation with Wells Fargo ( XXXX XXXX : XXXX ). Unfortunately, we were unable to reach a satisfactory resolution during the mediation session. Afterward, the mediator communicated a new offer from Wells Fargo, but I was not satisfied with it either. It did not address my original concern in a meaningful way. 

Despite my objections, I received a phone call from Wells Fargo stating that the offer was their last and final one and that if I did not accept it, I would lose my money altogether. Feeling pressured and without other options, I reluctantly accepted the offer. However, I want to make it clear that I still do not agree with the resolution and do not consider the matter fairly closed. 

My original complaint involved an unauthorized service that was provided without my knowledge or consent. What I was requesting in the mediation was appropriate and fair based on the circumstances. The final offer Wells Fargo provided fell far short of what I believe was reasonable. 

At this point, I am seeking further review and assistance to find a fair solution. I feel that I was pressured into accepting an inadequate offer and that my concerns as a customer were not properly addressed. I respectfully request the XXXX XXXX XXXX help in reopening this issue with Wells Fargo or facilitating a more just resolution. 

Thank you for your time and support. 

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have 2 credit cards with XXXX XXXX, a XXXX and a XXXXXXXX XXXX XXXX. Last year I was facing financial hardships and I did the responsible thing and called XXXX XXXX to report this. I asked them about their hardship programs and they said they could enroll me in their hardship program. They asked me how much I could afford to pay and I said {$50.00}. They accepted that payment plan and enrolled me in their program. I never stopped paying the agreed amount. They reported me late in XX/XX/year>XXXX  and Ive always paid them. When I contacted them, they said I had to pay the minimum amount on the accounts which was the regular minimum payments not the agreed upon hardship payment of {$50.00}. I disputed this with them and the credit unions as XXXX XXXX needs to honor their word and agreement. Why in the world would you require me to make the regular minimum payments when I enrolled in the hardship program? What is the purpose of the hardship program? XXXX  XXXX needs to held accountable for their false advertising of a hardship program and for not honoring what we agreed upon. Their lack of holding up their end of the agreement is tarnishing my credit. Please help. I want XXXX  XXXX to update my credit report with XXXX XXXXXXXX to reflect a no default payment history.

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 2025-06-18 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 am writing this letter myself to dispute the reporting of an account listed by XXXX XXXX XXXX on my TransUnion credit report dated XX/XX/year>. I did not open or authorize this account, and I have no knowledge of it. I believe this to be the result of identity theft. 
XXXX XXXX XXXX Account # XXXX Balance {$500.00}

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 explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WA

Complaint narrative:
I am trying to apply for Mortgage Assistance and an having a very difficult time. Carrington Mortgage suggests customers apply using their computer, by logging into Carrington MS and selecting Mortgage Assistance on the left menu. There is no left menu. Also, selecting Mortgage Assistance sends you on an infinite loop. Carrington MS had a dedicated fax number at one time to submit applications. They no longer do. Even an email would be acceptable. XXXX XXXX and dont drive, so I need to submit the application either electronically or by fax.

Company response to consumer: Closed with explanation