vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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: SC

Complaint narrative:
Subject : SECOND NOTICE Demand for Full Investigation and Immediate Deletion of Fraudulent Account Account Name XXXX XXXX XXXX  To Whom It May Concern, This is a formal second dispute regarding the above-referenced account, which is fraudulent and a result of identity On XXXX, I submitted through the CFPB a legally valid identity theft dispute under the Fair Credit Reporting Act ( FCRA ), specifically referencing 1681c-2, and demanded the deletion of the account. Your response was inadequate, failed to comply with federal law, and claimed the information was verified without providing : How the verification was conducted The sources or evidence used Any actual investigation details Any documentation proving this account is legitimately mine As per FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), you are required to provide a description of the procedure used to determine the accuracy and completeness of the disputed information. You failed to do so.

Furthermore, it is a violation of FCRA to : Use the furnisher of the fraudulent account ( or any affiliated party like a family trust ) as the sole source of verification that is not an independent investigation.

Ignore the documentation and claims submitted by the consumer.

Refuse to provide the results and basis of your verification in writing.

This is a final opportunity to comply before I escalate this to the Attorney General, the Federal Trade Commission ( FTC ), and all other law enforcement agencies and consider filing suit under FCRA 1681n and 1681o for willful and/or negligent noncompliance.

I am demanding : 1. A full deletion of the fraudulent account.

2. A detailed report of how the investigation was conducted, including : All contacts made All documents reviewed Any interviews conducted Any third parties contacted 3. Written evidence or affidavits you used to verify the account.

4. The name and contact of the person ( s ) who verified the information.

You have 15 days from receipt of this letter to comply. If this account is not deleted or properly investigated with full transparency and legal compliance, I will be forced to take further legal action.

This account is not mine. It was opened fraudulently, and I should not be held responsible. Continuing to report it knowingly violates my consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: SC

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: SC

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: FL

Complaint narrative:
My account with XXXX, XXXX XXXX, XXXX, AND XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX, XXXX XXXX, XXXX, AND XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: PA

Complaint narrative:
There are line items on the report that they will not remove, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX. I have filed complaints and no documentation has been received by me for verification. All accounts have either been assigned to the Trust. They have received copies of Certifications and Assignments. They are listed on the FTC identity thief report, they have all received notices from the Tribal counsel, and reports for Human Trafficking. All not responded to and no proof has been offered.

All the companies listed above and these credit bureaus are clearly making money off the use of the name and have received copywrite infringement notices via certified mail and the trust holds the 3811 green slips. Yet they continue to report.

This is a final request before litigation. All items on the report that are not positive must be removed or you must send a detailed account as to what agreement you have with the individual that can supersede the living trust assignment. All companies have received negotiable instruments to clear any debt. Any continued false reporting or infringements information reported will reused as evidence in Federal Litigation.

All companies were notified certified mail in XXXX of 2023, all companies have ignored notifications, all states and copied of notified UCC are attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: NV

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : 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 explanation
Consumer complaint received 2025-07-15 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: NY

Complaint narrative:
TransUnion Is Not a Credit Bureau Under Federal Law : Under 15 U.S.C. 1681a ( w ), a consumer reporting agency that compiles and maintains files on consumers on a nationwide basis must meet specific statutory criteria.

According to 12 U.S.C. 5301, the Consumer Financial Protection Bureau ( CFPB ) is the only federal agency recognized to enforce federal consumer credit protection laws, effectively superseding private, third-party data brokers like TransUnion.

TransUnion operates as a non-affiliated third party and relies solely on consumer consent to access and report personal data.

2. Failure to Assure Maximum Accuracy 15 U.S.C. 1681e ( b ) : The FCRA imposes a legal duty on entities like TransUnion to ensure the maximum possible accuracy of the information they report.

Despite my formal dispute, TransUnion has continued to report negative or unverifiable information with no proper investigation, correction, or deletion, in violation of its obligations.

3. Permissible Purpose and Privacy Violations 15 U.S.C. 1681b : TransUnion has failed to demonstrate a permissible purpose for collecting, maintaining, and disseminating my credit information. 
Under FCRA privacy protections, any access or use of consumer information must be clearly justified by law, contract, or consumer consent. None of these have been clearly demonstrated in this case. 
4. Willful Noncompliance and Civil Liability 15 U.S.C. 1681n : TransUnions failure to act upon my formal dispute within the time allowed by law constitutes willful noncompliance.

This gives rise to civil liability, including statutory and actual damages, attorneys fees, and possible punitive damages, under 15 U.S.C. 1681n.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
After XXXX I closed a Wells Fargo Credit Card. After those days two transactions were charged on XXXX {$670.00} and on the XXXX for {$320.00}. Im no authorized those transactions. I called many times to the resolved this issue. Now Wells Fargo dont resolve this issue. I paid every months high interest in my credit card for that reason and they denied my dispute, they dont gave me any reason, they dont have any correct explanation for those charges. In the other side I called the Rentar car company that charge me those charge and the told me they dont find me in the system. This completely Froud from both sides. Please help me to resolve this issue. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: HUNTINGTON NATIONAL BANK, THE
State: CA

Complaint narrative:
On the XXXX of XXXX, I have noticed that there was an unauthorized transaction being charged on my account for {$1300.00} + {$40.00} International fees, I have called my bank Huntington to obtain more information of this transaction, found out the company fraudulently charged my account is from XXXX and I have mentioned I do not have any relation with XXXX left alone spending {$1300.00} on nothing, I didnt pay for any service or did I order anything from them. 
I have told Huntington rep that we will need to dispute this transaction but due to the transaction hasnt yet posted Huntington Rep suggested for me to call back after the transaction finalized then we can proceed to file a dispute. 
I have followed the instructions and called back a couple days later to file the dispute, the case was filed, and I was told that while the investigation Huntington will credit my account for the amount that was fraudulent charges my bank, today is marked 6 days calendar, and I have yet received any funds from Huntington and I am very disappointed in Huntington for the way theyre dealing with my case, I have monthly bills that I have to make but since because I have chosen to bank with Huntington , now my bills payments are late due to a company in XXXX fraudulently charged my account, and Huntington have failed me horribly after this incident I dont know if I will trust Huntington enough to bank with ever again, especially things like this happens all the time but it is a bank responsibility to protect its customers. To make sure our money is insured under FDIC like we have promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DailyPay, Inc
State: CA

Complaint narrative:
1 atm transaction made over XXXX away from my residence and it was not flagged as fraud. i have only ever made 1 atm withdrawal a month since the beginning of the year, and they have all been from 1single atm less than XXXX from my residence. attempted to dispute this transaction as soon as i noticed it, they said it could take up to 45 days however with all proper documents provided they would " credit '' me for the funds. however 2days later i receive an email stating that their has been no fraudulent error on my account and that it was final. if i would like i can call and re-dispute, however i think they mentioned something about i should be looking out for something in the mail. anyways before i can wait for the snail mail to arrive i immediately called once again to re dispute the transaction, as i could not believe they claimed it was not fraudulent. they were also requesting for me to provide as much documents as possible to proof it was not me who did the transaction, and when i asked the gentlemen by the name of XXXX what can i possibly provide to show i did not make an atm withdrawal XXXX away from my home? he could not provide me with an answer because i had mentioned to him if we look at my atm withdrawals THEY ARE ALL FROM THE SAME ATM ALL AFTER OR AROUND XXXX or XXXX PST and this transaction which is 1 of 5 that was made at XXXX or XXXX PST and why does this matter? because i work graveyard shift and i am almost always SLEEPING AT THAT TIME OF DAY

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: TX

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have been a victim of identity theft. I have noticed some unauthorized inquiries on my credit report that I have not benefit from. I also notice student loans on my credit which I need removed because I am not obligated to paying them back until after XXXX XXXXXXXX XXXX. I need them removed immediately, because I am trying to buy a home within 6 months to a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have been a victim of identity theft. I have noticed some unauthorized inquiries on my credit report that I have not benefit from. I also notice student loans on my credit which I need removed because I am not obligated to paying them back until after XXXX XXXXXXXX XXXX. I need them removed immediately, because I am trying to buy a home within 6 months to a year.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: Bessine Walterbach, LLP
State: MO

Complaint narrative:
This predatory payday loan company hired an attorney named Bessine Walterbach , LLP to collect on a payday loan, There are numerous online complaints against this law firm. They hired a XXXX XXXX who broke the law to serve me. When I realized the predatory lenders were trying to serve me, I noticed the attorney was trying to serve me in the wrong county. XXXX XXXX XXXX is not where I reside. I reside in XXXX XXXX XXXX. XXXX XXXX XXXX informed me this attorney has to start over in the correct county. I wrote the Missouri State Attorney General about this issue. This law firm had to start obeying the laws. I am currently working with XXXX XXXX to resolve my debt. XXXX XXXX is negotiating the debt with XXXX XXXX. This complaint is about their attorney and special processor. I informed him he could not serve me from the wrong county and that he was breaking the law. He said he did not care. I have witnesses who were picking up a greenhouse they bought the day he served me. They heard him say he did not have to follow the law,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, XXXX, filed a lawsuit on a debt that is time barred in the state of Wisconsin XXXX They filed this lawsuit ( judgement for money ) on XXXX XXXX. The statute of limitations on installment retail sales agreement is 6 years in the state of Wisconsin. The first breach of the contract was XXXX of XXXX. XXXX XXXX XXXX XXXX XXXX filed after the statute of limitations expired in the state of Wisconsin. The last date they could file a lawsuit with the courts would have been in XXXX of XXXX. If a debt collector attempts to sue on a debt older than 6 years it is a violation of FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: PA

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX XXXX. I am formally disputing fraudulent accounts appearing on my credit report. These accounts were not opened or authorized by me and must be removed immediately.

Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i requires a full investigation of disputed information within 30 days.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits reporting information known to be inaccurate.

15 U.S.C. 1681c-2 allows for the blocking and removal of data resulting from identity theft.

I am also protected by the FTC and CFPB, which enforce these laws. This is a formal demand that these fraudulent accounts be deleted from all credit records without delay. I expect confirmation of their removal within the timeframe allowed by law.

Failure to comply may result in further legal action. 

Sincerely, 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