vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 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: GA

Complaint narrative:
I am requesting the immediate and permanent removal of the following fraudulent inquiries and accounts from my credit file. These items were not authorized or opened by me and are the result of identity theft. All necessary documentation has already been provided, including government-issued ID, Social Security XXXX XXXX proof of current address, and an FTC Identity Theft Report. 

Fraudulent Inquiries : XXXX  Date of inquiry : XX/XX/2024 XXXX XXXX Date of inquiry : XX/XX/2024 Fraudulent Accounts : XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Requested Actions : Permanently delete all the accounts and inquiries listed above from my credit report Block all fraudulent information in accordance with 15 U.S.C. 1681c2 within XXXX business days Issue a corrected and updated credit report that no longer includes the above items Provide written confirmation that these items have been removed and permanently blocked Failure to comply will result in immediate complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), XXXX XXXX XXXX XXXX XXXX XXXX, and State Attorneys General. I am also prepared to take legal action under FCRA 616 and 617 for noncompliance, seeking all remedies available under federal law. 

I expect full resolution within XXXX business days, including written proof of action taken.

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 2025-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
So on monday, XXXX, XXXX ( around XXXX XXXX ) i bought XXXX dollars worth of XXXX. With added fees of course I tried transferring to a new XXXX XXXX, it was declined and money sent back to my XXXX XXXX. I was confused so i sold the XXXX to get my money back. I try to transfer to my bank and it gave me an error popup. I tried a fee more times and nothing. I then see an email saying my account is suspended for unsual activity and to provide my id. Which i did. I deleted the app and reinstalled. And thats when i see that my account says suspended. Ive been using XXXX for XXXX for like a year so I thought I wasnt violating anything. Naturally I waited till there customer service was open and I called, to be greeted by an answering machine which wouldnt direct me to a live agent. I then tried live chat. They told me my account is suspended for suspicious activity and to wait 5 days for the investigation. They told me they can not refund or tell me anything untill investigation i over. I told them to just refund my money and they can keep me blocked, suspended or whatever. At this point I just want my hard earned money back. I dont want to wait around for them. Even then I doubt they'll be of help since there's many reports online like reddit and other sources stating that XXXX has done this to many people, and have even left some in the dark for over a year ( without access to funds ). Also was never told about the tos on crypto. So I find that completely unfair. Also find it weird that I was allowed to transfer XXXX for like while before. Then all of a sudden this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: MS

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 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized transactions claim number XXXX that were made from my bank account wells fargo via XXXX without my knowledge or consent. These fraudulent transactions occurred during a period that I was completely unaware of, and I did not authorize or initiate any XXXX transfers. 

I contacted my bank immediately upon discovering the issue and requested an investigation and reimbursement of the stolen funds. Unfortunately, the bank denied my request, stating that the transactions were authorized through XXXX though I never made or approved any such transfers. I did not share my credentials or authorize any third party to use my XXXX account. However they have closed my old account and opened a new one This situation has caused me significant financial distress, and I believe the bank failed to provide adequate fraud protection and resolution, especially in light of the unauthorized nature of the transactions. 

I am requesting CFPBs assistance in investigating this matter and ensuring that my consumer rights are protected. 


Please advise on the next steps and help facilitate a fair 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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I kindly request that you review my account and consider reinstating my XXXX score based on my recent actions. I already coordinated with both side 's customers services and advise me to send this cover letter. It happens that I can not view my Equifax report. This is my first encountering this kind of error, theres no error last month I refresh it to my Identity IQ credit monitoring account, this is why I'm hoping and reaching out to you to resolve this problem. 

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: NC

Complaint narrative:
Several accounts have been reporting inaccurate and unverifiable information on my credit file, which has significantly affected my creditworthiness. Many of these accounts, including those from XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX , and several others, are showing negative or derogatory statuses without providing any supporting documentation such as a signed contract, itemized billing, or validation of debt. Some accounts, like those reported by XXXX and XXXX XXXX, continue to report negative despite being paid off or showing a XXXX balance. Additionally, there are duplicate listings and inconsistencies across credit bureaus that are unfairly damaging my credit. Several medical collections have been reported without any HIPAA authorization or proof of billing, and inquiries from companies such as XXXX XXXX XXXX, and XXXX appeared without my consent. I have previously disputed these items, but they remain unresolved. I am requesting a reinvestigation and removal of any unverifiable or inaccurately reported information in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: Experian Information Solutions Inc.
State: NY

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
Consumer complaint received 2025-07-28 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am filing a follow-up complaint regarding the XXXX XXXX  account ending in XXXX that is reporting inaccurately on my Experian credit report. I originally filed a complaint on XX/XX/XXXX, and despite previously disputing this account directly with Experian, the inaccurate payment history remains, and XXXX now unable to submit another dispute without uploading documentation which I do not have and am not required to provide in order to exercise my rights. 

This account shows a {$0.00} balance and has been closed for years. However, the derogatory payment history continues to damage my credit, and there are clear inconsistencies across the credit bureaus : Experian reports multiple late payments and a charge-off. 
XXXX  does not report any delinquencies at all. 
XXXX  reports a similar but slightly different pattern of lateness. 

These inconsistencies suggest that Experian has either failed to properly verify the data or is relying on outdated or incorrect information. When I asked for a reinvestigation, Experians XXXX prevented me from submitting another dispute unless I upload documentation, a tactic that unfairly blocks my right to challenge information I believe is inaccurate. 

I am requesting that Experian be required to conduct a full reinvestigation of the XXXX XXXX account, XXXX XXXX  be required to verify the accuracy of the reported payment history, and If proper documentation is not available, the negative history should be removed completely. 

I have made multiple good faith efforts to fix this through normal channels and have received no meaningful 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 2025-07-28 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, NJ XXXX ACCOUNTS : XXXX XXXX BANK SS - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$40.00}

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 2025-07-28 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 is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

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 2025-07-28 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: GA

Complaint narrative:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me.

The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

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 2025-07-28 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: OH

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against, Experian, Equifax, and TransUnion for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education.

Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education.

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ). 
I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 
Sincerely, It was sent through certified mail of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: OH

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against, Experian, Equifax, and TransUnion for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education.

Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education.

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ). 
I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 
Sincerely, It was sent through certified mail of XXXXXXXX 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 2025-07-28 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian XXXX XXXX XXXX XXXX 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX FCU - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$100.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXX XXXX  Date : XX/XX/XXXX XXXXXXXX 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