vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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: MN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-21 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: GA

Complaint narrative:
My XXXX account was compromised and someone from a different country that didnt even speak English made digital purchases using my debit card that was saved to my XXXX account. They made 8 transactions on XX/XX/year>. I reached out to XXXX as soon as I saw them and they were able to cancel one of the pending transactions. The other 7 were already completed. And XXXX cant refund digital purchases. XXXX account specialist team sent me an email verifying that they believed my account was compromised and accessed by an unauthorized party and the purchases were fraud. They told me I needed to contact Wells Fargo and report it as fraud and go through the fraud process with my card and get my money refunded through Wells Fargo. XXXX locked my account and walked me through resetting everything. I went through every security change XXXX wanted me to do including changing passwords and removing cards from account. 

I did, and Wells Fargo initially denied my claim saying it wasnt fraud within 24 hours. I told them theres no way they did a full investigation in less than 24 hours and escalated the case.

After 4 months, they have once again denied my claim stating they do not believe it was fraud, despite me sending them the email from XXXX stating they believe it was fraud and that my account was accessed by an unauthorized party. 

They reversed all 7 provisional credits. Charges were for : {$26.00}, {$29.00}, {$30.00}, {$26.00}, {$26.00}, {$26.00}, {$26.00} The only thing Wells Fargo would tell me is there is nothing more they can do.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Greetings, The account status for both of my XXXX XXXX accounts is not reported as closed. Additionally, I've disputed these accounts with Equifax, and they're still being reported inaccurately. Furthermore, neither of these accounts is on my XXXX  credit report 623 ( b ) ( 1 ) ( D ). I've included copies of my credit report. Please remove these accounts from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1100.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$4300.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: NY

Complaint narrative:
I am writing to follow up on my previous letter dated [ XX/XX/year> ], in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments on my credit card, XXXX XXXX XXXX [ Account Number XXXX ]. To date, I have not received confirmation of the correction nor observed any changes in my credit report. 
As stated in my previous correspondence, according to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Furthermore I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ),

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: NY

Complaint narrative:
This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX bank has reported inaccurate information as you can see from the attachments below. XXXX states XXXX XXXX late and the other states XXXX XXXX XXXX I closed the account and never was late XXXX XXXX XXXX has reported inaccurate information as you can see from the attachments below. High balance are clearly different and one states auto loan and the other is auto lease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: NY

Complaint narrative:
I am writing to request the immediate investigation and removal of unauthorized accounts appearing on my credit report. I did not open or approve these accounts, and I am unfamiliar with their source. As provided under USC 1681g, I formally request that they be deleted within 15 days. Enclosed are relevant documents for your review. It is also important to note that conflicting and inaccurate account data is being reported to each bureau.

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 2025-05-21 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: TX

Complaint narrative:
This CFPB complaint is filed pursuant to FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) requesting that the TransUnion credit reporting agency block the following fraudulent entries from my consumer credit report within XXXX business days : A Chapter 13 bankruptcy filed on XX/XX/XXXX under account number XXXX An auto loan account with XXXX opened on XX/XX/XXXX A personal loan account with Neighborhood Credit Union XXXX XXXX XX/XX/XXXX A personal loan account with Neighborhood Credit Union XXXX XXXX XX/XX/XXXX These items were not authorized by me and are all the result of identity theft. I have attached a copy of my consumer XXXX credit report documenting the fraudulent entries, as well as an FTC Identity Theft Report # ( private case number ) verifying that these accounts are not mine.

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 2025-05-21 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: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. 

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: NC

Complaint narrative:
I've called numerous times over that last 2 year request information on the so called balance, I was told 3 separate things of what the bill was. My most recent call was XX/XX/year> at XXXX which lasted 52 min. The person i spoke to then was the first to understand that there was something wrong. I received a called from someone yesterday who said they'd email but I didn't recieved an email.nothong has been done and both my fianc and my credit have taking a hit and is reflecting as a repossession. I've had increase interest rate and was unable to get approved for certain funds or credit lines when it was needed which cause further financial issues

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 2025-05-21 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-21 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-21 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 writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: TX

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX : ACCOUNT NUMBER - XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. 

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

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 2025-05-21 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Date : XXXX XXXX 2025 TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Collection Account on Credit Report Dear TransUnion, I am writing to formally dispute the accuracy of information on my credit report, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ). After reviewing my TransUnion credit report, I have identified a collection account that is inaccurate or unverifiable. I request that you investigate and remove the following account from my credit report : Account Name : XXXX XXXX XXXXAccount Number : XXXX Original Creditor : XXXX XXXX XXXXXXXX FL I dispute the validity of this collection account and request a thorough investigation into its accuracy. Under FCRA Section 609, I am entitled to receive all information related to this account, including written documentation verifying the debt, such as the original creditors name, the amount owed, and proof of my liability. Additionally, under FCRA Section 611, I request that you investigate and correct any inaccurate or unverifiable information. I further request that you cease reporting this account on my credit report until verification is provided.

Per FCRA requirements, please complete your investigation within 30 days and remove any inaccurate or unverifiable information from my credit report. I also request a copy of my updated credit report reflecting any corrections made as a result of this dispute.

Please acknowledge receipt of this dispute letter in writing and provide a response detailing the results of your investigation. I expect this matter to be resolved promptly and satisfactorily.

Thank you for your attention to this matter. 
Sincerely, 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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: TX

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of accounts with a {$0.00} balance that negatively affects my credit report. Under the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate, complete, and verifiable. Reporting negative marks on accounts with a {$0.00} balance is misleading and violates my consumer rights. 

Under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute any inaccurate, incomplete, or unverifiable information. Additionally, FCRA 609 ( a ) ( 1 ) ( A ) grants me the right to request documentation verifying the accuracy of the reported information. Because these accounts have a {$0.00} balance, they should no longer carry negative reporting, such as late payments. Continuing to report derogatory marks on accounts that are no longer active obligations is inaccurate and does not comply with FCRA accuracy standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: FL

Complaint narrative:
I am filing a complaint to dispute the following items in my credit report as provided to me by your agency. I am a consumer with rights under the Fair Credit Reporting Act ( FCRA ), and I am exercising my right to dispute inaccurate, incomplete, or unverifiable information reported in my credit file. 
Upon reviewing my credit report, I found the following items to be in error and am requesting that you initiate an investigation into each of them 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: FL

Complaint narrative:
I am filing a complaint to dispute the following items in my credit report as provided to me by your agency. I am a consumer with rights under the Fair Credit Reporting Act ( FCRA ), and I am exercising my right to dispute inaccurate, incomplete, or unverifiable information reported in my credit file. 
Upon reviewing my credit report, I found the following items to be in error and am requesting that you initiate an investigation into each of them 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: TX

Complaint narrative:
This formal complaint is made under the authority of FCRA Section 605B ( 15 U.S.C. 1681c-2 ) to request that Equifax block and delete the following fraudulent accounts from my credit file within four business days of receiving this submission. These accounts were fraudulently opened and are being incorrectly reported as part of my consumer credit history. 

The fraudulent items that must be removed are : A loan account with XXXX XXXX XXXX opened on XXXX XXXX, 2023, with a balance of {$140.00} Additionally, I am disputing the legitimacy of these accounts under FCRA Section 611 ( 15 U.S.C. 1681i ) and am demanding a complete reinvestigation. As part of this process, Equifax must provide me with the specific verification procedures used and any supporting documentation that was relied on to report these items as accurate. If such evidence can not be produced, these accounts qualify as prima facie fraudulent reporting and must be eliminated.

Company response to consumer: Closed with non-monetary relief