vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over XXXX  days since I filed my complaint.

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I wanted to let you know that I've recently experienced a data breach that has put my personal information at risk. This situation has raised serious worries for me about the safety of my sensitive data. Because of this breach, there are now fraudulent accounts and debts under my name. Id really appreciate it if you could take this into account when looking at my credit report and help fix any errors or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have fallen victim to the consequences of Wells Fargo 's negligent and unscrupulous business practices, which have had a profoundly adverse impact on my life and well-being. 

I am writing to formally dispute the XXXX XXXX credit card account listed on my credit report. In XXXX, a credit card account was established in my name without my knowledge or approval. I did not authorize the opening of this account, nor did I ever apply for it. I have made multiple requests for documentation from Wells Fargo, including proof of my application and any signed agreement related to the XXXX XXXX XXXX Credit Card. To date, I have not received any original signed application or valid evidence supporting the legitimacy of this account. 

I have submitted several formal requests to the Complaints Escalation Department at Wells Fargo, requesting proof of my application, as well as any documentation that includes my signature on the XXXX XXXX XXXX Credit Card agreement. 
To date, Wells Fargo has failed to provide the original signed application or contract or valid evidence supporting the legitimacy of this account. The document I received from Wells Fargo was for a general credit card application in my name, containing an electronic signature that was not mine. 

The representative informed me that, due to internal policies, they can not provide the original signed application or contract ; they can only give the general, electronically signed credit application that can be applied to any credit card. This restriction raises concerns about the documentation process related to my claim, suggesting that the bank 's access to customers ' credit applications facilitated the fraudulent creation of accounts. 

The credit card was issued in XXXX, and all unauthorized charges occurred in late XXXX. Wells Fargo charged off this account and reported it to major credit bureaus, resulting in significant negative consequences for my XXXX XXXX and overall financial well-being. Additionally, despite the account charge-off, Wells Fargo XXXX XXXX pursue collections for a balance that I did not incur.

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 2025-06-21 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: Harris & Harris, Ltd.
State: TX

Complaint narrative:
RE : Cease and Desist Notice & Debt Validation Request Account # XXXX ( Original Creditor : XXXXXXXX XXXX ) To Whom It XXXX Concern : This correspondence is a formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( c ), requiring that you immediately cease all communication with me regarding the above-referenced alleged debt. 

As provided by law : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication the debt collector shall not communicate further with the consumer with respect to such debt You are hereby instructed to immediately stop all forms of contact, including by phone, mail, text, or any digital means. 

Furthermore, I dispute this debt and am exercising my rights under 15 U.S. Code 1692g ( b ) to request full validation. You must provide : XXXX. The total amount of the alleged debt ; XXXX. The name and address of the original creditor ( XXXX XXXX ) ; XXXX. A copy of the original contract or signed agreement ; XXXX. Evidence that you are legally authorized to collect on the alleged debt ; XXXX. A detailed account history, including the date of default and breakdown of charges ; XXXX. Documentation identifying the current owner of the debt ; XXXX. Proof of accurate credit reporting in compliance with 15 U.S. Code 1681s-2 ( a ) of the Fair Credit Reporting Act ( FCRA ). 

Until these documents are provided, you must immediately cease any and all collection activity, including reporting or updating this debt with any consumer reporting agency. 

Failure to comply will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal action under 15 U.S. Code 1692k for statutory damages and attorneys fees. 

Please respond in writing to confirm that all communication and collection activity has ceased and that the account is being removed from my credit report until validation is complete.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: NJ

Complaint narrative:
Upstart account on my credit report has been paid in full but XXXX is reporting false and wrong information on 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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Upstart account on my credit report has been paid in full but XXXX is reporting false and wrong information on 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 2025-06-21 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: OH

Complaint narrative:
Late payment was marked on my credit report, which is false and it caused me various different things that were detrimental. XXXX XXXX  XXXX  reported this late payment when it says planning that the insurance I was covered and this late payment shouldve never been applied to any type of credit report As a result of your negligent and/or willful reporting of false information, I am demanding {$25000.00} in compensation for : Defamation of character and credit worthiness Emotional distress and mental anguish Denial of credit, higher interest rates, and financial losses FCRA statutory and punitive damages If this matter is not resolved to my satisfaction within 15 calendar days, I will file a lawsuit in state or federal court, seek maximum damages, and submit formal complaints to the Consumer Financial Protection Bureau ( CFPB ), FTC, and state attorney general.

This letter constitutes notice of dispute under the FCRA. Continued failure to correct this error will be interpreted as willful noncompliance and handled accordingly.

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 2025-06-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
We have given them 60 days to furnish any proof that I physically, my being walked into this property and obtained an apartment from them. I have submitted several times the identity theft report and police report. This is the final attempt before taking legal action. I was incarcerated at this time and it would have physically been impossible for me to rent from this property.

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Bank was compromised, multiple loans was created, old car payments and other transactions were reversed.

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 2025-06-21 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:
Bank was compromised, multiple loans was created, old car payments and other transactions were reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: GA

Complaint narrative:
I am filing a complaint against Equifax for violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681c-2 regarding identity theft-related blocks. 

I submitted an Identity Theft Report, including my FTC Identity Theft Affidavit, government-issued photo ID, and a utility bill, via the Equifax online dispute portal, and also mailed in the required documents to their dispute department. 

Despite complying with all documentation and procedures outlined under the FCRA, Equifax has refused to process my ID Theft Block request. When I followed up, they stated I have to mail in the documents, even though : I already mailed them in. 
I also uploaded them to their portal. 
The FCRA does not require redundant submission if documents have already been provided. 

This is a clear violation of my consumer rights under federal law. Equifax is obstructing the identity theft blocking process, delaying the removal of fraudulent accounts from my credit report, and causing continued harm to my credit profile. 

I am requesting that the CFPB investigate Equifax for non-compliance, compel them to fulfill their legal obligations, and ensure the fraudulent information is promptly blocked and removed from my credit file. 

Attached are my proof of submission and any relevant screenshots or confirmation numbers from the Equifax portal. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/year> I logged onto XXXX to check the status of my checking account and found that there had been 5 transactions totaling {$2400.00} from my account. These transaction were labeled : " PayPal Transfer PAYPAL TRANSFER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ANCE '' I contacted both PayPal and the back to open a dispute on the transactions, but over the course of about 2 weeks and additional {$26000.00} were transferred out of the account through 16 transactions ranging from {$100.00} to {$3900.00}. Numerous additional disputes were opened. Dispute case IDs include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX A sample response has been attached. 

I opened a case with the XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, case number XXXX. XXXX XXXX came to my house and took the complaint, then I was contacted by XXXX. XXXX. He opened an investigation and issued a search warranty to PayPal. 

In the meantime XXXX complete their investigation, determined that someone had compromised the routing and account number, and refunded the total amount of {$29000.00}. 

PayPal, however, has completed review of all of the transactions and replied : " We have reviewed this transaction ( s ) and are denying your case ( s ). This decision was made because this transaction was not unauthorized. '' They have stated that they issued me and electronic debit card and all of the transactions were authorized. However, I neither requested nor received an electronic debit card from PayPal. Additionally, according to XXXX. XXXX, the funds were transferred to an account in XXXX. 

At this time PayPal has been sending emails requesting that I pay {$23000.00} and has stated that they new have transferred the account to XXXX for XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-21 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: KS

Complaint narrative:
I am writing to make it known that I have fallen victim to identity theft and discovered several accounts and inquiries on my credit report that do not belong to me. These fraudulent accounts are causing me much hardship as they are hindering my ability to obtain new credit. 
This serves as a formal notice that I have been a victim of identity theft, and my personal information was compromised in the XXXX data breach. As a result, fraudulent accounts and inquiries have been in my name without my consent.

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 2025-06-21 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: GA

Complaint narrative:
I request that u delete items on my report bc of identity theft. I did not create these charges, and my credit report must b corcted. I've reported the theft to the Federal Trade Commission and included their Affidavit. Erase the items immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: GA

Complaint narrative:
New credit inquiry as below : XXXXXXXX XXXX XXXX recently checked your Experian credit file for an installment loan or new bank account. When you apply for certain types of credit, a hard inquiry is placed on your credit file and stays on your report for about 2 years. 
Source : Experian Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, DE XXXX Phone : ( XXXX ) XXXX This was for a FRAUDULENT credit card application for a XXXX XXXX. I called XXXX and they supposedly cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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:
There are currently fraudulent/unauthorized XXXX  accounts reporting on my credit file. 

According to 15 USC 1681 c-2 and 1681s-2 you have broken the law by reporting this information on my report knowing its inaccurate. Remove this fraudulent information from my credit report immediately. 

There are also XXXX hard inquires in my credit file that are fraudulent and unauthorized.

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 2025-06-21 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:
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 2025-06-21 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: OK

Complaint narrative:
My trans union account shows inquiries from XXXX on XX/XX/year> XXXX XXXX on XX/XX/year> XXXX on XX/XX/year> XXXX on XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XXXX XX/XX/year> XXXX XXXX on XX/XX/year> XXXX XXXX on XX/XX/year> I did not do any of these and I called Trans Union and asked for the fraud department and XXXX got a lady named XXXX who refused to help me and I asked to speak to someone else and she said I would have to call back

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