vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 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:
My name is XXXX XXXX and I am filing this complaint because there are multiple inaccurate and misleading accounts being reported on my credit report by Experian, Equifax, and TransUnion. I have formally disputed these items multiple times, yet they continue to report with inconsistencies and factual errors that are negatively impacting my credit profile. 

I am now on my third round of disputes, and these accounts continue to appear despite violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 credit reporting guidelines. 

XXXX XXXX XXXX XXXX Charged-Off Account ( {$690.00} ) This account is showing different late payment histories on each bureau, with inconsistent dates. 

The account is marked as charged off, but the balance continues to update, which is not allowed. 

The Date of First Delinquency ( DOFD ) is either missing or incorrect. 

I believe this account has been re-aged, which is against FCRA and Metro 2 rules. 

XXXX XXXXXXXX XXXX XXXX Charged-Off Account ( {$660.00} ) There are inconsistencies in the charge-off date, open date, and last payment date across all three bureaus. 

It shows monthly late payments even after the account was charged off, which is inaccurate. 

The balance and past due amounts are also incorrectly reported, violating industry reporting standards. 

XXXX. XXXX XXXX XXXX Open Collection ( {$780.00} ) This collection account does not list the original creditor, which is required for debt collectors and debt buyers. 

The tradeline is missing critical details, like a proper payment history or current status. 

The date of last activity and status are not consistent across the bureaus. 

I have not received proper validation of the debt, and the information remains incomplete.

Legal Issues : These accounts are being reported in a way that violates my rights under : FCRA 607 ( b ) The information must be accurate and up to date. FCRA 1681i ( a ) Bureaus must conduct a reasona
ble reinvestigation, which they have not done.

FCRA 1681s-2 ( b ) Furnishers must investigate and correct errors, which has not happened.

Additionally, the Metro 2 guidelines for credit reporting are not being followed in how these accounts are coded and displayed.

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 2025-08-08 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: CO

Complaint narrative:
On XX/XX/year> I reviewed my credit report and immediately noticed items that do not belong to me. I have never taken out ANY sort of loans or the other misc. accounts. On XX/XX/XXXX I filed any identity theft report with the Federal Trade Commission which I will include in this complaint. On XX/XX/XXXX I filed a police report with the XXXX XXXX  XXXX,. Ive made the credit bureaus aware of this matter and they've done nothing to help in this horrible situation that is causing a tremendous negative effect on my life

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 2025-08-08 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. XXXX XXXX XXXX. 
XXXX ) 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 XXXX 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 : TBOMCONTFIN Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XXXX Balance XXXX {$640.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$490.00} XXXX  XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$88.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 2025-08-08 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: Synergetic Communication Inc
State: GA

Complaint narrative:
I was trying to buy a house and I realized that I have damages on my credit report. According to the 15. U.S.C 1681 Law, there should not be any damages on my report. Its a defamation of my character Synergetic Communication XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

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

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I am requesting Wells Fargo to refund funds that were transferred from my former XXXX account - ending in XXXX to Wells Fargo account held by XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, OH on XX/XX/year> in the amount of {$13000.00}. Wire XXXX. The reason I am requesting these funds is that XXXX XXXX was involved in a scam and this account was part of a scam account. I have attached the XXXX Report that revealed this account was part of a scam and at the time legal action was take to freeze the account held by XXXX XXXX. Therefore, my funds were to b XXXX refunded to me. These funds were never refunded to me and Wells Fargo failed to follow legal processes. 

This transaction is part of a larger Internet Dating scam Case and XXXX, XXXX and BBB have been involved. See attached Police/Incident report. 

The history is as follows ; In XX/XX/year> I met someone on a dating website called XXXX. His name is XXXX XXXX ( fraudulent name ) and he lives in XXXX XXXX. Over the course of XXXX thru XXXX. We text and talked on the phone almost daily. During this time XXXX shared that he traveled to Alaska for his Turbine business to fix a large turbine. At some point in XXXX he was distressed because his insurance funds were not being released to him to purchase parts. He said he had a large payout. He asked if I could loan him money until he got back to Minnesota to deposit his insurance check and at that time he would reimbursement me. XXXX agreed. The first transaction was on XX/XX/year> for {$62000.00}. I went to my bank, which is XXXX Bank, and got a cashiers check for that amount. I then went to Bank XXXX XXXX for a wire transfer. The second transaction was about a week later and was for {$53000.00}. The third transaction was on XX/XX/XXXX for {$28000.00} for a grand total of {$150000.00}. There was an initial wire transfer to a XXXX XXXX at Wells Fargo for {$13000.00}. I am submitting another complaint for the Wells Fargo wire transfer as this is also a fraudulent account that is scamming people ) I am attaching the Police Case file that I filed with my local Police Department that investigated for nearly XXXX years. Unfortunately, due to Antiquated laws, Internet fraud is out of my local police department jurisdiction. 
Wells Fargo had the opportunity to refund my funds in the amount of {$13000.00} when the account of XXXX XXXX was frozen due to Legal Authorities and Wells Fargo failed to follow through. XXXX Wells Fargo XXXX XXXX and XXXX XXXX to follow through with the refund.

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 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eaton Group Attorneys LLC
State: LA

Complaint narrative:
I called Eaton after I found out that they were garnishing my pay on XX/XX/year>. I was told that my balance was approximately {$2500.00}. As of XX/XX/year> I have had a total of {$3900.00} garnished from my pay. The company will not answer the phone or messages I have sent.

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 2025-08-08 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: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: F.H. Cann & Associates, Inc.
State: GA

Complaint narrative:
FH CANN Account XXXX XXXX XXXX FH CANN Is reporting an allege collection on my credit report that I do not owe and refuse to pay. I have never made any agreement to pay or went into a legal contract. Where is the contract with my letting signature. I also never received my right to dispute this collection before it was added to my credit report. I will give you an opportunity to provide me with the evidence you have. If you do not have any I suggest you delete this collection before I pursue litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Request for Debt Validation Account Number : XXXX Amount Claimed : {$3700.00} Dear Bank of America, I am responding to your recent communication regarding the alleged debt of {$3700.00} Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am formally requesting full validation of this debt before any further collection activity occurs.

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 2025-08-08 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: CA

Complaint narrative:
I recently reviewed 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 explanation
Consumer complaint received 2025-08-08 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I need your help reviewing accounts from these companies that have incorrectly flagged late payments on my credit report. After checking the report, I found several entries marked late that are not validthere should be no late payment remarks. Please remove these inaccurate entries and update the accounts to the agreed positive standing.

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 2025-08-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2025-08-08 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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2025-08-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/year>, I deposited a {$220000.00} settlement check into my Michigan IOLTA trust account at Bank of America ( account ending in XXXX ). The check was issued by XXXX XXXX XXXX XXXX, payable jointly to my client and myself as attorney. Both parties endorsed the check. 

On XX/XX/year>, Bank of America issued a written Hold On Your Deposit notice placing a hold on the full amount, stating : Weve placed a hold on your deposit because we have information indicating the check ( s ) may be returned.

The notice listed an availability date of XX/XX/year>. 

On XX/XX/year>, the bank sent a second hold notice with the same generic reason, extending the availability date to XX/XX/year>. No further explanation or factual basis for the hold was provided. 

Regulation CC ( 12 C.F.R. 229.13 and 229.16 ) requires that an exception hold notice include the specific reason for the hold and the date funds will be available. Merely stating information indicating the check may be returned without describing the nature of that information is insufficient and does not allow the depositor to evaluate the reasonableness of the hold.

This is a fiduciary account, and prolonged retention of these funds delays distribution to my client, potentially creating legal and ethical exposure. If the check has already cleared, there is no lawful reason to continue the hold.Immediate release of the funds ; or

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 2025-08-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Carvana Group, LLC
State: MN

Complaint narrative:
I submitted full payment for a vehicle through Carvana, as required before shipment. After payment was processed, Carvana began imposing unreasonable, last-minute verification hurdles. At the time, my loan terms were still valid, but instead of completing the sale, they stalled until those terms expired then introduced additional, invasive documentation demands.

They requested a three-way call with my bank, utility bills featuring my suffix, and other unnecessary documentation, despite already receiving accurate, verifiable pay stubs that reflected ongoing income. I receive paper checks a legitimate form of payment and all documents I provided were real and aligned with my income.

Rather than honor my valid submission, Carvana escalated scrutiny, gave me minimal time to respond, and knowingly requested materials that take longer to acquire despite already accepting my money. This caused significant financial strain, as I had planned transportation and life logistics around receiving the vehicle.

To make matters worse, multiple representatives were dismissive and unprofessional over the phone. It feels like I was intentionally stalled and treated differently due to how Im paid or the nature of my employment despite acting in good faith and fulfilling every requirement.

Carvanas tactics not only appear discriminatory but potentially predatory, using arbitrary verification tactics after payment to force delays and requalification. Their advertised terms were misleading, and their process inflicted real financial and emotional harm.

I request a formal investigation into Carvanas practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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