vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am submitting this complaint because multiple collection agencies have failed to honor a pay-for-delete agreement that was completed in full. 
I entered into written pay-for-delete agreements with National Credit Adjusters and XXXX XXXX Associates. Per our agreements, I paid the agreed amounts in full with the understanding that the related collection accounts would be deleted from my credit reports upon payment. 
After payment, XXXX, the reporting entity, confirmed they would remove the collection entry. Despite completing all terms and receiving confirmation of removal, these accounts remain on my credit reports with the credit reporting agencies. 
This continued reporting is inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers may not report information they know or reasonably should know is inaccurate.

15 U.S.C. 1681i Requires credit reporting agencies to promptly reinvestigate disputed information. 
15 U.S.C. 1681e ( b ) Credit bureaus must ensure maximum possible accuracy of reported information. 
I have contacted the credit bureaus and provided documentation showing the completed agreements, but the accounts have not been deleted. This has caused ongoing harm to my credit reputation and financial opportunities. 
I am requesting that the CFPB investigate and compel the following actions : XXXX deletion of the collection accounts from my credit reports with all credit bureaus. 
Confirmation from the furnishers ( National Credit Adjusters, XXXX XXXX XXXX, and RDAC ) that they have corrected their reporting. 
XXXX that no further inaccurate information will be furnished related to these accounts. 
Attachments : Pay-for-delete agreements Payment confirmation receipts Correspondence confirming removal from XXXX XXXX credit report showing the inaccurate entries

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 2025-11-05 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-11-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SUNRISE CREDIT SERVICES, INC
State: AP

Complaint narrative:
Stated, I did not have payment sent to them, although my bank verify that I have been sending payments consistently. When attempting to renegotiate, hopefully payments as I can no longer pay that exorbitant amount. Was told that my dad was sent to legal office for garnishment of wages, no letter was sent to me as well. When asked why, I was told that I did not send payments for 2 months, although I have proof that I did and recorded all phone calls.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This complaint is being filed intentionally and not by mistake. I have contacted the credit bureau several times, asking for the removal of all dispute comments and for any open investigations on accounts I am no longer disputing to be closed. Even after multiple attempts to resolve this directly, these dispute remarks are still showing on my credit report. These ongoing comments are creating unnecessary issues, especially now that I am in the middle of applying for a mortgage. The presence of in dispute or similar language gives an inaccurate view of my credit profile and is causing delays in the loan process.

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 2025-11-05 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: CA

Complaint narrative:
These accounts are not valid under my information ; remove them within 15 days under USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: NJ

Complaint narrative:
The entry being disputed is inconsistent with my payment history. Please investigate and amend my records to ensure accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: CA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I was the victim of a sophisticated social-engineering scam involving an individual impersonating a Wells Fargo fraud-department employee .

The caller knew multiple non-public details about my Wells Fargo account and identity ( including the last four digits of my checking account, last four of my SSN, and my date of birth ). Believing the call was legitimate, I followed their instructions to secure my funds by withdrawing cash from my Wells Fargo account and depositing it at a Wells Fargo ATM into an account they represented as a temporary Wells Fargo holding account. 

At approximately XXXX XXXX  the same day, within XXXX minutes of the transaction, I reported the incident to Wells Fargo and filed a police report with the local Police Department the next morning. 

Despite my prompt reporting and the clear impersonation component, Wells Fargo denied my claim on XX/XX/XXXX and subsequently denied my request for reinvestigation on XX/XX/XXXX without reviewing new evidence. When I requested a written explanation of the denial, Wells Fargo stated that it would take 30 days to arrive by mail and refused to provide a digital copy.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXXte : XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX,XX/XX/XXXXXXXX Telephone : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX with Social Security Number XXXX, a resident of XXXX XXXXXX/XX/XXXXXXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 

Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXXXX/XX/XXXXXXXX Security Freeze Request : XX/XX/XXXX I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
XX/XX/XXXX This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : XX/XX/XXXX A copy of my drivers license or government-issued ID. 
XX/XX/XXXX A copy of a recent utility bill or bank statement confirming my current address. 
XX/XX/XXXX A copy of my Social Security Number. 
Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXXte : XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX,XX/XX/XXXXXXXX Telephone : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX with Social Security Number XXXX, a resident of XXXX XXXXXX/XX/XXXXXXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 

Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXXXX/XX/XXXXXXXX Security Freeze Request : XX/XX/XXXX I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
XX/XX/XXXX This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : XX/XX/XXXX A copy of my drivers license or government-issued ID. 
XX/XX/XXXX A copy of a recent utility bill or bank statement confirming my current address. 
XX/XX/XXXX A copy of my Social Security Number. 
Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: DISCOVER BANK
State: MA

Complaint narrative:
I am filing a complaint against Discover Bank regarding several fraudulent transactions that were incorrectly determined to be legitimate. 

All the disputed charges were made to XXXX on XX/XX/2025, and include : {$100.00} ( XXXX separate transactions ) {$53.00} ( XXXX separate transactions ) {$120.00} ( XXXX transaction ) {$66.00} ( XXXX transaction ) {$120.00} ( XXXX transaction ) These total approximately {$820.00}. Discover initially issued a provisional credit while investigating, but on XX/XX/2025, they reversed the credit and withdrew {$820.00} from my Discover Bank checking account, claiming the charges were valid. 

I did not authorize or make any of these purchases, and I never received any products or services from XXXX. These transactions do not reflect my normal shopping or spending patterns, and my account information was compromised and used fraudulently. 

Several transactions were repeated amounts ( for example, three charges of {$100.00} and three charges of {$53.00} ), which are well-known red flags for fraudulent activity. Despite this, Discover treated the case as legitimate. 

When I contacted Discover about this reversal, the representative stated that a supervisor would say the same. The representative also explicitly admitted that these investigations use no common sense and are arbitrary, demonstrating that the process is unreasonable and unpredictable. 

I asked what documentation or information I could provide to support my claim, but no guidance was given, leaving me unable to advocate for myself. I have also not been provided with any documentation showing how Discover determined the charges were legitimate. 

The withdrawal of {$820.00} has caused serious financial hardship, as I need these funds to pay essential bills.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-05 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: CA

Complaint narrative:
Can you recheck this report? It was submitted late and might be wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I made a purchase, the company provided no tracking info, weeks went by and the package finally arrived extremely damaged and unusable, they are perishable goods. The delivery driver delivered to the wrong address. The company refuses to refund me and Apple refuses to favor my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: TN

Complaint narrative:
I am writing pursuant to 15 U.S.C. 1681i and 15 U.S.C. 1681c-2, which grants consumers the right to dispute and remove inaccurate or fraudulent items from their credit reports. I have identified hard inquiries on my credit report that were made without my knowledge or expressed written consent. These inquiries are unauthorized and constitute identity theft as defined under federal law. As a result, I request the immediate deletion of the following unauthorized hard inquiries from my credit report as they are a violation of permissible purposes outlined in the FCRA : 1. Identity Theft XXXX XXXX XX/XX/year> This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

2. Identity Theft XXXX XX/XX/year> This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: TN

Complaint narrative:
I am writing pursuant to 15 U.S.C. 1681i and 15 U.S.C. 1681c-2, which grants consumers the right to dispute and remove inaccurate or fraudulent items from their credit reports. I have identified hard inquiries on my credit report that were made without my knowledge or expressed written consent. These inquiries are unauthorized and constitute identity theft as defined under federal law. As a result, I request the immediate deletion of the following unauthorized hard inquiries from my credit report as they are a violation of permissible purposes outlined in the FCRA : 1. Identity Theft XXXX XXXX XX/XX/year> This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

2. Identity Theft XXXX XX/XX/year> This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
Please confirm whether this report is accurate ; it seems behind schedule.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Larry H. Miller Group of Companies
State: OH

Complaint narrative:
The company did not apply payment arrangements properly charged me unnecessary interest and are harassing me for money on a car that was totaled, had XXXX different types of gap coverage and are still showing a balance it's fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 explanation