vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX XXXX TransUnion 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 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) 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 ( i ) 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 ( ii ) 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 1681s-2 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 non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX writing you again regarding an unresolved dispute I submitted about inaccurate late payment ( XXXX ) being reported on my credit file. Since you failed to correct or remove the account despite clear legal grounds, I have now submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ). This letter serves as a final demand for resolution before taking further legal steps. 
Account XXXX in Dispute : XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account Number : 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 2025-10-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I financed a home improvement project through Service Finance Company , LLC in XX/XX/year> for a concrete installation. The XXXX acknowledged that the concrete was defective and attempted an acid wash repair, which did not resolve the issue. The concrete remains permanently discolored and defective. 
I submitted formal complaints to Service Finance Company with documentation, including photographs and XXXX acknowledgment. On XX/XX/year>, I received an email from XXXX XXXX, Complaint Resolution XXXX, stating that my case would be reviewed by a XXXX and that I would receive an update by this week. 
It has now been more than XXXX weeks beyond that date, and I have received no follow-up or resolution despite multiple attempts to contact them. This lack of response violates my right to a timely and fair complaint review. 

The product financed was defective, and both the XXXX and the finance company have failed to deliver a proper resolution. Under the XXXX XXXX XXXX XXXX XXXX CFR XXXX ), I have the legal right to assert all claims and defenses against the finance company that I could assert against the XXXX. 
XXXX XXXX XXXX failure to act represents bad faith, negligent handling of a complaint, and possible violations of XXXX  and California consumer protection laws.

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 2025-10-28 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : 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 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
They keep taking out {$35.00} fees instead of rejecting the transaction like asked them to. The same companies continue to try the transactions over and over.

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 2025-10-28 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-10-28 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: MO

Complaint narrative:
RE : Notification of Inaccurate Payment History Identifiers : XXXX XXXX XXXX : Case Number XXXX XXXX  Partial Account Number : XXXX. 
Equifax Partial Account Number : XXXX XXXXXXXX XXXX Partial Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Based on : XXXX Report Number : XXXX dated XX/XX/XXXX Equifax Report Number : XXXX dated XX/XX/XXXX XXXX Report Number : XXXX dated XX/XX/XXXX Dear XXXX, Equifax, and XXXX  I am writing to formally notify you that I have commenced legal action against XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax, and XXXX  due to factual inaccurate credit reporting, failure to perform a reasonable investigation, due to inaccurate Payment History reporting, failure to perform a reasonable investigation and failure to provide proper debt validation. Failure to provide proof of non-securitization. Despite previous attempts to resolve this issue, I find no satisfactory resolution has been reached. 

Call Information : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX XXXX at XXXX, Case Number : XXXX, Transferred to Supervisor XXXX XXXX Case Number XXXX Refused to Delete Factual Inaccuracies Equifax : XX/XX/XXXX XXXX XXXX at XXXX, Case Number : XXXX, Transferred to XXXX XXXX XXXX Case Number : XXXX Refused to Delete Factual Inaccuracies Transunion : XX/XX/XXXX XXXX XXXX at XXXX, Case Number : XXXX, Transferred to XXXX  XXXX XXXX Case Number XXXX Refused to Delete Factual Inaccuracies Inaccuracies : Late Payments XXXX XX/XX/XXXX XXXX late payment XX/XX/XXXX XXXX late payment XX/XX/XXXX XXXX late payment XX/XX/XXXX XXXX late payment Late Payments XXXX XX/XX/XXXX XXXX late payment XX/XX/XXXX XXXX late payment XX/XX/XXXX XXXX late payment Late Payments XXXX XX/XX/XXXX XXXX late payment XX/XX/XXXX XXXX late payment XX/XX/XXXX XXXX late payment XX/XX/XXXX XXXX late payment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: MO

Complaint narrative:
RE : Notification of Inaccurate Payment History Identifiers : XXXX XXXX XXXX : Case Number XXXX XXXX Partial Account Number : XXXX. 
XXXX Partial Account Number : * XXXX TransUnion Partial Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Based on : XXXX  Report Number : XXXX dated XX/XX/XXXX XXXX Report Number : XXXX dated XX/XX/XXXX TransUnion Report Number : XXXX dated XX/XX/XXXX Dear XXXX, XXXX, and Transunion I am writing to formally notify you that I have commenced legal action against XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, and Transunion due to factual inaccurate credit reporting, failure to perform a reasonable investigation, due to inaccurate Payment History reporting, failure to perform a reasonable investigation and failure to provide proper debt validation. Failure to provide proof of non-securitization. Despite previous attempts to resolve this issue, I find no satisfactory resolution has been reached. 

Call Information : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX at XXXX, Case Number : XXXX, Transferred to XXXX  XXXX XXXX Case Number XXXX Refused to Delete Factual Inaccuracies XXXX : XX/XX/XXXX XXXX XXXX at XXXX, Case Number : XXXX, Transferred to XXXX  XXXX XXXX Case Number : XXXX Refused to Delete Factual Inaccuracies XXXX  : XX/XX/XXXX XXXX XXXX at XXXX, Case Number : XXXX, Transferred to XXXX XXXX XXXX Case Number XXXX Refused to Delete Factual Inaccuracies Inaccuracies : Late Payments XXXX XX/XX/XXXX XXXX late payment XX/XX/XXXX XXXX late payment XX/XX/XXXX XXXX late payment XX/XX/XXXX XXXX late payment Late Payments XXXX XX/XX/XXXX XXXX late payment XX/XX/XXXX XXXX late payment XX/XX/XXXX XXXX late payment Late Payments XXXX XX/XX/XXXX XXXX late payment XX/XX/XXXX XXXX late payment XX/XX/XXXX XXXX late payment XX/XX/XXXX XXXX late payment

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 2025-10-28 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: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
From XXXX XXXX XXXX I was XXXX  in XXXX XXXX and was not able to start any new services. I am a victim of Identity theft from XXXX all the way to XXXX  when I finally was able to find out that someone took my information. I am not aware of who used my information and I do not recognize the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: TX

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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:
My credit report contains multiple inaccurate, outdated, and unverifiable accounts. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

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 2025-10-28 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: CA

Complaint narrative:
My credit report contains multiple inaccurate, outdated, and unverifiable accounts. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/year>, I deposited a cashiers check into my Fifth Third Bank business account. The check was issued by my business partner, and is legitimate and verifiable with her financial institution. A few days after this deposit, Fifth Third Bank placed a hold on my account and informed me that funds would not be released until they received written confirmation from my partner attesting to the legitimacy of the check. 

On XX/XX/year>, my partner provided the requested written statement, accompanied by a copy of her ID, and specified in the document that her bank could be contacted for verification. I submitted all required documentation to my branch XXXX in accordance with Fifth Third 's instructions. 

Fifth Third Bank informed me that their investigation process would take no more than XXXX business days following submission of these materials. However, despite following up and contacting the bank on XX/XX/year>, I was told that my account is still under investigation and no timeline for resolution or further explanation was provided. I received no substantive updates or assistance. 

This unresolved account hold and lack of communication have caused significant hardship for my business : I am unable to access the deposited funds needed to pay outstanding credit card balances for materials purchased. 

My business credit card payment is overdue, and this risks negative consequences for my XXXX XXXX. 

Subcontractors are awaiting payment for near-completed jobs, and I am unable to remit compensation, straining professional relationships and business operations. 

I am requesting the CFPB to intervene and investigate Fifth Third Banks handling of this account hold, their delayed investigation, and lack of communication. I have fully complied with all documentary requests by the bank, and the prolonged withholding of funds is causing tangible harm to my business. I am seeking a prompt resolution and guidance on my rights as a banking consumer. 

I have attached the documents I submitted to Fifth third. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: MD

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * XXXX FRAUDULENT INQUIRIES : XXXXXXXX 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 2025-10-28 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: TX

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within XXXX days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( XXXX  ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( XXXX  ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with XXXX XXXX. 

As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: TX

Complaint narrative:
There has been fraudulent hard inquires made to my consumer report, there unauthorized charges made to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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:
There has been fraudulent hard inquires made to my consumer report, there unauthorized charges made to my 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 explanation