vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
thesee hard inquiries dont belong to me, hasnt being authorized by me and has to be removed. also this as well. thanks pathward na/oportun XX/XX/XXXX ( experian ) XXXX XXXX XXXX XXXX XXXXXXXXXX/XX/XXXX. ( experian ) XXXX XXXX XXXX XXXXXX/XX/XXXX ( experian ) XXXX XXXX XX/XX/XXXX. ( equifax ) XXXX XXXXXX/XX/XXXX ( equifax ) XXXX  XX/XX/XXXX. ( equifax ) XXXX XXXXXX/XX/XXXX. ( equifax ) XXXX XXXX XXXX XXXXXX/XX/XXXX. ( equifax ) XXXX XXXXXX/XX/XXXX. ( equifax )

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 2025-06-04 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: AL

Complaint narrative:
I AM FILING A COMPLAINT BECAUSE MY CREDITOR IS REPORTING LATE PAYMENTS ON MY ACCOUNT ENDING IN THE LAST FOUR DIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  COLLECTION ACCOUNT LAST FOUR DIGHTS XXXX INQUIRES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THAT ARE INACCURATE AND NOT PROPERLY VERIFIED. I HAVE DISPUTED THIS DIRECTLY WITH THE CREDIT BUREAUS AND THE FURNISHER BUT THE LATE PAYMENTS REMAIN WITHOUT PROPER VALIDATION OR DOCUMENTATION UNDER 15 USC 1681 S2A FURNITURES MUST REPORT ACCURATE INFORMATION UNDER 15 USC 1681I 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 non-monetary relief
Consumer complaint received 2025-06-04 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:
I hope this complaint finds you well. I would like to follow up on the complaints I sent to your attention regarding certain items on my credit report. 
As of today, I have not received any communication or updates regarding the resolution of the disputes I sent to the bureaus. I understand that the investigation process takes time, but I would like to inquire about the current status and any progress made in resolving the issues outlined in my previous communication. 
The following are the items that I would like to be removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$63000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4100.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$30000.00} XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$84.00} 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 2025-06-04 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: MA

Complaint narrative:
I am writing to let you know that Ive been a victim of a data breach or fraud, as outlined in FCRA Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ). Im formally requesting the permanent removal of any fraudulent accounts and incorrect addresses from my credit report. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo notified me that a recent claim from a scam tied to my debit card {$3300.00} was approved and refund to my account. After two days of receiving this claim update I noticed the funds were still not in my bank account so I decided to call Wells Fargo about this. I spoke to a rep and even had it escalated to a supervisor because over the phone they were stating they now decided to deny the claim because it was sent to an XXXX XXXX account ( the scammers ). XXXX XXXX and both Wells Fargo tell me its the other companies problem, but what really frustrates me is Ive been Wells Fargo member for 20+ years with outstanding history and also THAT THEY APPROVED THE CLAIM and then now say they deny it and no form of written, phone or message communication that stats this change or why.I filled claim with Wells Fargo XX/XX/year> and the rep I spoke to that day from Wells Fargo even said she was able to cancel the pending transactions and stop XXXX XXXXXXXX from having any access to my account. Received approval that claim was approved on XX/XX/year>. Called today XX/XX/year> to ask where my funds were and they say its denied and they closed it and will not do anything else. I tried offering more proof of this issue to Wells Fargo and they said it doesnt matter and they will not reopen case. This case is well documented on my part, I have tons of screenshots and info regarding this and also cases of fraud and scam were filled on XX/XX/year> by me with the FTC and also IC3

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 2025-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/XXXX I deposited a payroll check with a teller at the XXXX XXXX XXXX branch. My payroll was not direct deposited because of a bank change with my employer. I attempted initially to deposit the check through the ATM but it was rejected. Upon giving the bank tell my check I advised the ATM would not accept it and provided my required ATM debit card so that the teller could deposit my check into my checking account. The teller never advised there could be an issue with the deposit. On XX/XX/XXXX ( XXXX  ) the check was still not posted to the account. I called the banks call center and requested why. I could not be given an answer on why a hold was placed and that a document explaining why should be sent soon. I was advised that a hold will not be lifted on XX/XX/XXXX. This cripples me financially. I called my local branch where I deposited the check. I was told that a hold shouldnt have been placed and they would investigate. I was notified on XX/XX/XXXX that the hold could not be lifted due to security reasons. This paycheck was issued my a county government. It was not a personal check or anything illegitimate. The amount of the check is {$2000.00}. A hold on a payroll check for this amount of time causes hardships.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: OH

Complaint narrative:
XXXXI was a victim of identity theft, and this is another requestXXXXto remove the information from my credit file resulting fromXXXXalleged identity theft. Per FCRA  605B (15 U.S.C.  1681c-2)XXXXCREDIT BUREAUS are required to remove any items not laterXXXXthan 4 business days after receipt. Also, the informationXXXXprovided on some items is UNKNOWN to me and REMOVEDXXXXfrom other bureaus, and I have doubts about their accuracy.XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX Balance: XXXX XXXX XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX Balance: XXXX XXXX XXXX XXXX Balance: XXXX XXXX XXXX XXXX XXXX Balance: XXXX XXXX XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX) XXXX  Balance: XXXX XXXX  (Original Creditor: XXXX XXXX XXXX) XXXX Balance: 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 non-monetary relief
Consumer complaint received 2025-06-04 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: CA

Complaint narrative:
I am writing to formally dispute the continued presence of inaccurate information on my credit report, despite multiple previous attempts to rectify these errors. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and completeness of the information you report. These inaccuracies have adversely affected my creditworthiness and have caused undue stress and financial hardship.

I would like to draw your attention to recent enforcement actions that underscore the importance of accurate credit reporting : The CFPB sued XXXX  for failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
XXXX XXXX  was fined nearly {$28.00} XXXX for providing inaccurate, negative information about its customers to credit reporting agencies and for delays in correcting errors. 
XXXX  faced a {$23.00} XXXX fine for failures related to tenant screening and security freezes, which included not ensuring the accuracy of rental background checks.

These cases highlight the serious consequences of non-compliance with the FCRA.

I am requesting that you : 1. Conduct a thorough and impartial reinvestigation of the disputed items.

2. Delete or correct all inaccurate, incomplete, or unverifiable information.

3. Provide me with a copy of the updated credit report reflecting these changes. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: TX

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap!

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/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 2025-06-04 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: PR

Complaint narrative:
Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, IL XXXX Experian XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Dispute Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) To Whom It May Concern, Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I dispute these inaccurate items on my credit report. Reinvestigate within 30 days and correct or delete. 

Disputed Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Sent via certified mail to all three agencies. Non-compliance violates FCRA. 

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 2025-06-04 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: NC

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/25

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 2025-06-04 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: NC

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/25

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 2025-06-04 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am requesting the immediate deletion of the unverified items listed below, as required under Sections 609 ( a ) ( 1 ) ( A ), 611 ( a ) ( 1 ) ( A ), and 611 ( 5 ) ( A ) of the FCRA. Despite three previous written requests, these items remain on my credit report without proper verification. You have not provided original documentation, such as a signed contract, to substantiate these entries. Additionally, you have failed to outline the method of verification, as required under Section 611 ( a ) ( 7 ). If these unverified items are not removed immediately, I will escalate this matter by filing a formal complaint with the Federal Trade Commission and considering legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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 am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: TN

Complaint narrative:
I am writing to let you know that Ive been a victim of a data breach or fraud, as outlined in FCRA Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ). Im formally requesting the permanent removal of any fraudulent accounts and incorrect addresses from my credit report. 

Account 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

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 2025-06-04 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:
Credit inquiries were made without my consent or knowledge.

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 2025-06-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Credit inquiries were made without my consent or knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
There are few concerns that have arise regarding my account. One Main financial is now requesting that I make a payment with a balance ( I feel is incorrect ) based on I was under the impression it was taken care of under the last XXXX deferred payments for XXXX, XXXX and XXXX. I have successfully made all payments that were arranged earlier in the year plus XXXX to qualify for my account to be caught up or as I was told. As I have proof that I was informed on XX/XX/XXXX. I feel its misleading because I wasnt informed that any late fees, regular monthly payments, or half/remaining payments would be applied to my balance during my temporary modification or deferred payments. 

Secondly, I then looked into how I could get a permanent modification moving forward, so I wouldnt encounter having trouble making payments in the future. This was an option suggested to me on XX/XX/XXXX after all the confusion of still having an outstanding balance. I immediately submitted all documents for the loan modification on XX/XX/XXXX for reasons of decreased pay rate due to change in jobs. I spoke with XXXX at the local office branch on XX/XX/XXXX thinking he was going to speak to me about the loan modification. Instead this is when I was asked to make a payment leaving me confused more and also learning my application was denied. 
Reason why my application was denied was for no loss of income per XXXX which I have proof. I questioned this information and also requested proof of what was submitted for the loan modification process? I was told that there was no way to provide those details. XXXX insisted that regardless of what was submitted I wasnt eligible because that showed no loss of income. I informed him that the loss income was in fact a present circumstance from the additional loan provided in XXXX of XXXX that caused my monthly payment to increase over an extra {$130.00}. I was eligible for that increase because I then provided proof of income which I was making enough at that time in XXXX of XXXX. Now in present time I am making less from that monthly payment increase ; hence why I need the loan modification. It doesnt appear that wasnt taken into consideration. 

Thirdly, I didnt get any notification that it was approved or denied until XX/XX/XXXX by mail letter dated XX/XX/XXXX. I have proof that were being misleading/dishonest about my loan modification via phone because the denial letter states I was denied because I didnt provide documentation that was needed which

isnt true. I requested further assistance and the
district manager XXXX XXXX who refused to speak with me over the phone after informing him that the call was being recorded while raising his voice and talking to me condescending in a round about manner. He insisted on being prideful versus rectifying the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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 have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

Company response to consumer: Closed with non-monetary relief