vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 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: TX

Complaint narrative:
I am requesting the removal of the unauthorized inquiry on my report. I have already met all the necessary requirements and provided the required documentation for its deletion. I kindly ask that this be addressed 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 2025-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Urgent Demand - Challenge of Unauthorized Debt Listing on My Credit Profile Dear Sir/Madam, I am writing to follow up on my previous correspondence dated XX/XX/year>, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( XXXX ) : * * Creditor/Collection Agency Name : XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Amount : {$1700.00} XXXX XXXX XXXX XXXX  Date of Account : XX/XX/year>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 2025-04-21 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: MI

Complaint narrative:
I am writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within XXXX  days, it must be deleted immediately from my credit file.

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 2025-04-21 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: FL

Complaint narrative:
XX/XX/year> Noticed an unauthorized charge for XXXX $ on my debit card from a web site called remitly which apparently deals with money transfers/money orders. I also noticed that my email address was compromised and my email along with my IP ( my information was stolen ) was used to make this transaction. It was a money order sent to XXXX XXXX XXXX  in the hours that I was sleeping. 
Filed a fraud claim with Wells Fargo and the money was credited back instantly, Wells Fargo also cancelled the debit card by my request and sent a new one in the mail. 
XX/XX/XXXX Noticed my provisional credit was reversed and Wells Fargo took back the XXXX XXXX I called and they falsely accused me of being the one that authorized the charge because XXXX supposedly provided documentation with my info saying it was me who authorized the transaction. I said upfront in XXXX that my email was hacked and this person who stole my money had personal info that was used to make the transaction. Wells Fargo claims there is nothing they can do. I have been a customer of them for 15 years and have never made a money order or transfer to anywhere outside of the country. The ease in which someone was able to steal my money and send it overseas is alarming and presents a significant security threat for me as a long time customer. How can I trust the bank to protect my money when they have proved that they don't care by saying quote " We're sorry this is not the result you wanted ''.

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 2025-04-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I am writing to file a formal complaint against OneMain Financial regarding their deceptive practices, harassment, and lack of transparency with my loan account. 

I have an active loan with OneMain Financial, and my account number is XXXX. Over the past several months, I have encountered a series of issues that I believe violate consumer protection laws and warrant investigation. 

Lack of Transparency Regarding Interest Charges : I have repeatedly requested a clear breakdown of how my monthly interest charges are applied to my loan, but OneMain Financial has been dishonest and unresponsive in providing this information. Despite my attempts to obtain clarity, I have not received a satisfactory explanation of the interest charged each month or the method used to calculate the amounts. 

False Promises Regarding Payment Deferrals : In XX/XX/year>, I was informed by a representative of OneMain Financial that if I continued making my payments, I would be eligible for payment deferrals. I was assured that this arrangement would prevent late fees from accumulating. However, despite continuing to make payments, no deferrals were applied to my account, and I have incurred numerous late fees as a result. This miscommunication has caused unnecessary financial strain. 

Harassment and Bullying to Make Payments : I have been harassed by OneMain Financial 's customer representatives through frequent and aggressive phone calls. The calls came from different phone numbers, and I received voicemails every day demanding payment, despite informing them multiple times that I am currently unemployed and seeking alternatives. This ongoing harassment has caused significant distress. 

Failure to Address Requests for Lower Interest or Payment Terms : When I asked OneMain Financial for assistance in lowering my interest rate or adjusting my monthly payments due to my unemployment, I was met with bullying and harassment. I was pressured into making payments that I could not afford, and when I sought a more reasonable payment plan, the representatives continued to harass me. They used fake phone numbers and left daily voicemails threatening collection actions. 



I trust that the Consumer Financial Protection Bureau will investigate this matter and assist in resolving these issues promptly. If I do not receive a satisfactory response from OneMain Financial, I may pursue further legal action for these violations. 

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

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I submitted a dispute to Equifax regarding multiple inaccurate and unverifiable accounts, including medical and time-barred collections, misleading late payment history, and unauthorized hard inquiries. Equifax failed to properly correct the errors and relied on an automated response system instead of performing a full manual reinvestigation. This violates FCRA XXXX ( b ), XXXX ( a ) ( XXXX ) ( A ), and XXXX. I specifically asked for evidence of verification, the method used, and a human review. No valid response was provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I just noticed a credit inquiry from a company Ive never dealt withand I definitely never gave them permission to pull my credit. I didnt apply for anything with them, and I have no idea why they accessed my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I am writing to file a formal complaint against the major credit reporting agenciesTransUnion, Experian, and Equifaxregarding persistent inaccuracies in my credit reports dated XX/XX/XXXX. Despite my relentless efforts to have these errors corrected, they remain unresolved. 

The specific inaccuracies are as follows : * * TransUnion : * * - Name : Recorded as " XXXX XXXX XXXX '' and " XXXX XXXX '' - Date of Birth : Correctly listed as XX/XX/XXXX - Current Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Previous Addresses and Employer Information : Accuracy issues noted * * Experian : * * - Name : Recorded as " XXXX XXXX XXXX '' - Date of Birth : Incomplete, simply listed as XXXX - Current Address : Correctly listed as XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Missing former address details * * Equifax : XXXX * - Name : Recorded as " XXXX XXXX XXXX XXXX - Date of Birth : Correctly listed as XX/XX/XXXX - Current Address : Correctly listed as XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Incorrectly listed a previous address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These discrepancies violate my rights under the Fair Credit Reporting Act, particularly sections 15 U.S.C. 1681e ( b ) regarding the accuracy requirements imposed on credit reporting agencies, and they have caused significant inconvenience and distress. 

I have been tirelessly trying to get TransUnion, Experian, and Equifax to correct these errors, but they have not fulfilled their responsibilities. I am requesting your intervention to ensure these inaccuracies are promptly rectified, as their ongoing presence on my credit report is unjust and could be harmful. 

Please see the attached documentation, which includes my correspondence with the credit agencies and any supporting evidence. Your assistance in helping resolve these persistent errors would be invaluable. 

Thank you for your time and understanding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I am writing to file a formal complaint against the major credit reporting agenciesTransUnion, Experian, and Equifaxregarding persistent inaccuracies in my credit reports dated XX/XX/XXXX. Despite my relentless efforts to have these errors corrected, they remain unresolved. 

The specific inaccuracies are as follows : * * TransUnion : * * - Name : Recorded as " XXXX XXXX XXXX '' and " XXXX XXXX '' - Date of Birth : Correctly listed as XX/XX/XXXX - Current Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Previous Addresses and Employer Information : Accuracy issues noted * * Experian : * * - Name : Recorded as " XXXX XXXX XXXX '' - Date of Birth : Incomplete, simply listed as XXXX - Current Address : Correctly listed as XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Missing former address details * * Equifax : XXXX * - Name : Recorded as " XXXX XXXX XXXX XXXX - Date of Birth : Correctly listed as XX/XX/XXXX - Current Address : Correctly listed as XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Incorrectly listed a previous address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These discrepancies violate my rights under the Fair Credit Reporting Act, particularly sections 15 U.S.C. 1681e ( b ) regarding the accuracy requirements imposed on credit reporting agencies, and they have caused significant inconvenience and distress. 

I have been tirelessly trying to get TransUnion, Experian, and Equifax to correct these errors, but they have not fulfilled their responsibilities. I am requesting your intervention to ensure these inaccuracies are promptly rectified, as their ongoing presence on my credit report is unjust and could be harmful. 

Please see the attached documentation, which includes my correspondence with the credit agencies and any supporting evidence. Your assistance in helping resolve these persistent errors would be invaluable. 

Thank you for your time and understanding.

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-04-21 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: AL

Complaint narrative:
I am writing to formally dispute XXXX or more unauthorized hard inquiries that appear on my credit report. I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity.

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 2025-04-21 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: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-21 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: AL

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-04-21 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
On XX/XX/XXXX, we opened a new Bank of America account and deposited XXXX settlement checks from XXXX totaling {$20000.00}. These were the very first deposits made into the account, and both checks were drawn from XXXX Bank of America account. This was our introduction to banking with BofA - and unfortunately, the experience has been entirely damaging. 

Shortly after the deposit, one of the checks showed as available in the Bank of America app. The app defines available balance as money that is available to spend, withdraw, or cover transactions. Based on that, we transferred {$3500.00} out of the account using XXXX. 

XXXX only allows transfers of cleared, available funds, so we had no reason to believe the deposit hadnt cleared. We received notice that the second check was on hold until XX/XX/XXXX, but at no time were we informed that the first check - after it was marked as available - would be placed on hold or reversed. More than XXXX hours later, we were notified that both checks were on extended hold until XX/XX/XXXX citing We've placed a hold on your deposit because we have information indicating the check ( s ) may be returned. - subsequently the {$3500.00} transfer with now {$0.00} available, put our account in a negative balance. 

This caused immediate financial and emotional distress. We transferred via XXXX and used these funds to pay critical bills; had we used this BofA account to pay these bills, multiple payments would have bounced- leading to overdraft fees, late fees, and major disruptions. The only reason that didnt happen is because we moved funds to another account. 

On XX/XX/year>, we contacted customer service and spoke to a supervisor named XXXX, who gave a canned, repeated explanation that this is part of the verification process. She refused to acknowledge the misleading app language, the fact that XXXX shouldnt have allowed the transfer, or the lack of any warning that funds marked as available could later be revoked. 

This was our first and only experience with Bank of America- and we had planned to deposit an additional {$110000.00} settlement check into this account. That deposit will no longer happen. We no longer trust Bank of America to handle large deposits or basic account operations responsibly.

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am formally disputing the following negative items on my credit report. 
Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: IN

Complaint narrative:
I'm reaching out because I'm beyond frustrated at this point. My credit report has several errorssome of which are tied to fraudulent activityand it's destroying my ability to move forward financially. These inaccurate entries have nothing to do with me, yet theyre dragging down my credit and making everyday life more difficult than it needs to be. 
I've taken the steps to fix this, but the same issues keep showing up.

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 2025-04-21 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: OH

Complaint narrative:
I had a charged off credit card with XXXX for {$650.00}. I paid the account in full on XX/XX/year>. The bank has issued me a paid in full letter. I sent that to the credit bureaus and they still failed to update the account to closed but paid in full. I am now sending you a snapshot of the credit reporting error and the paid in full letter from XXXX. 

I want this account updated to reflect that it is a closed account with a XXXX balance. 

I need you to contact XXXX and tell them that the 30-45 days that they have to update my credit report have passed. They are negatively affecting my credit score and my ability to recieve loans and credit cards for my business. I have provided proof that I have paid this account in full back in XXXX of this year and this is now XX/XX/year> they are in violation of the fair credit reporting act and the fair debt collections practices act.

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