vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : 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 XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I took advantage of a 0 % APR from Ally Bank. I did an online transfer for {$1300.00} from my XXXX XXXX XXXX XXXX to Ally credit card. I received a notice from Ally bank that my transfer was approved and would take 7 days. Today XX/XX/25 i reviewed my XXXX XXXX statement and noticed that the credit never went through paying off the XXXX XXXX balance. After multiple phone calls back and forth I learned that Ally Bank sent the payment to a mystery XXXX XXXX that is not XXXX XXXX. I asked for the original check number, issue date and amount and was told they don't have access to it. Now i have two investigations going. XXXX XXXX, regarding the payment they should have received and Ally Bank to see if the check was cashed. Now i am being billed by both companies for {$1300.00}.. Ally bank has told me this investigations can take another 30 days. In the meantime i continue to accrue interest on the amount from XXXX XXXX. How can this be made right?

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 2025-08-26 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Ive sent several letters to Equifax, Experian, and TransUnion about mistakes on my credit report, but they still havent been fixed. Ive attached the letters I sent to each bureau, along with a table showing the errors on all three reports. Id appreciate your help in getting this taken care of.

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 2025-08-26 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: TN

Complaint narrative:
Ive sent several letters to Equifax, Experian, and TransUnion about mistakes on my credit report, but they still havent been fixed. Ive attached the letters I sent to each bureau, along with a table showing the errors on all three reports. Id appreciate your help in getting this taken care of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: NC

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of XXXX XXXX, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I XXXX authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I believe Wells Fargo XXXX be continuing deceptive sales practices. 

In XXXX of 2025 I was recently persuaded to change my mortgage payments from once per month to twice per month. 

However, the salesperson set up the auto-payments in a way that caused them to post late every month. As a result, I was charged a {$69.00} late fee each month until I eventually caught the issue in XX/XX/year>. XXXX XXXX position has been that these charges are justified. They are not as their representative set up the payments incorrectly and, likely, purposefully. 

I doubt XXXX alone in this experience. Given XXXX XXXX history of being found guilty multiple times of similar practices, I would not be surprised if this is a broader issue within their mortgage division. 
I wish you success in pursuing this matter. 

Sincerely, XXXX XXXX XXXX Wells Fargo case number is : 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 2025-08-26 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 writing to file a formal complaint against TransUnion. This is not the first or even second time I have reached out regarding fraudulent accounts and unauthorized inquiries on my credit report. Despite previous disputes and supporting documentation, TransUnion has continued to report accounts and inquiries that are the direct result of identity theft. 

These items are not mine, and I am demanding immediate removal unless TransUnion can provide full documented proof. 

Fraudulent XXXX Accounts Reported : 1. XXXX XXXX XXXX XXXX {$150.00} Opened XX/XX/XXXX 2. XXXX XXXX {$380.00} Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX {$520.00} Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX {$640.00} Opened XX/XX/XXXX XXXX. XXXX {$1600.00} Opened XX/XX/XXXX XXXX XXXX Inquiries : XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX Bank XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX Legal Basis : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, TransUnion must conduct a reasonable reinvestigation of disputed items. Merely verifying with the furnisher does not meet this standard. 
Under 15 U.S.C. 1681c-2, fraudulent accounts resulting from identity theft must be blocked once notice is given.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am entitled to validation of debts. This requires TransUnion to obtain actual documentation such as signed applications or billing statements.

Continuing to report unverifiable information constitutes willful and negligent violations under 15 U.S.C. 1681n and 1681o, entitling me to damages and legal relief.

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 2025-08-26 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I recently enrolled in the workshare program with CA XXXX through my employer. 

On XX/XX/XXXX I logged onto my XXXX XXXX XXXX XXXX because I got an email of a new message. The message notified me that I received XXXX payments, XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. 

I saw that my preferred payment method was a money network debit card, which I received back in XXXX because I received XXXX. 

After looking for that debit card, I could not locate it, so I called the XXXX automated customer service phone number to request a new card. After multiple failed attempts I tried to transfer the funds to my checking account ; this also did not go through. 

I reached out to CA XXXX via their contact button online, and they continue to refer me back to that same MoneyNetwork phone number. 

I have been trying to access these funds for exactly XXXX month with no luck. They do not provide a phone number to speak to a live agent, I have exhausted all the contact/help tools provided by XXXX and Money Network XXXX XXXX the CA XXXX representative that was assigned to my employers workshare program enrollment. I have still not been able to access the {$220.00} in my Money Network account/debit card. 

I appreciate any assistance to retrieve my funds. 

Please note : I do not have the card in my possession, my account for Money Network ends in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXX CREDIT MANAGEM- Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1100.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-26 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: NJ

Complaint narrative:
I am filing this complaint to address misreported information that has been added to my credit report. There are accounts showing up under my name that do not belong to me and appear to be linked to another persons profile. This is inaccurate and damaging, as it is hurting my credit standing and raising serious concerns about ongoing fraud and identity theft connected to my information. As a consumer, I have the right to an accurate credit report, and this ongoing error is a direct violation of that right. The presence of these false accounts has already harmed my financial reputation, and I will not allow it to continue.

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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
am writing to formally dispute XXXX unauthorized hard inquiries that have appeared on my credit report. I have not authorized these inquiries, and they are in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). The inquiries in question are : XXXX AUTO ( Date of inquiry : XX/XX/year>XXXX XXXX XXXX XXXX XXXX  ( Date of inquiry : XX/XX/year> ) I am requesting that you conduct a thorough investigation into these unauthorized inquiries and provide me with proof that I provided a valid " wet signature '' as required by federal law. The FCRA, specifically 15 U.S.C. 1681b, requires a " permissible purpose '' for a consumer report to be furnished. This includes a valid, written authorization from the consumer. A " wet signature '' is the traditional standard for such a written authorization and provides the highest level of authenticity. 

I hereby demand that you provide me with a copy of the original document bearing my " wet signature '' that authorized these specific inquiries. This is a crucial step in validating the legality of these hard inquiries. If you are unable to provide me with a copy of this document, it will serve as proof that these inquiries were not authorized and must be immediately removed from my credit report. 

Please be advised that under the FCRA, you are required to complete your investigation within 30 days of receiving this complaint. During this time, I expect these inquiries to be flagged as " under dispute. '' I have attached a copy of my government-issued ID and a recent utility bill to verify my identity. 

I expect a prompt and satisfactory resolution to this matter, including the immediate removal of these unauthorized inquiries from my credit file and a written response detailing the actions you have taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: NY

Complaint narrative:
Date : XX/XX/year> Equifax XXXX. XXXX XXXX XXXX, GA XXXX RE : You violated the United States code law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As I know the creditor did not notify me XXXX  days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this is clearly a billing error. 

The items below should all be updated to be paid as agreed on my consumer report. 

XXXX ( XXXX accounts total )- Under 15 USC 1666B this is a billing error. All payments on this account were made on time. -This is paid as agreed and should not be reported negatively on my report. 

As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in XXXX claims court in my city and state under 15 USC 1681N civil liability because I have been violated. Also, I have sent this letter to the complaint portal for the ( Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$51.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-26 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} GS XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$180.00} XXXX CARD - Account Number : XXXXXXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$850.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
Dear cfpd XXXX XXXX, Our business has received an unsolicited credit card in the name of XXXX XXXX XXXX. This individual has no association with our company and is not authorized to open accounts on our behalf. 

In addition to closing and voiding this account, we respectfully request written confirmation of the following : That no fraudulent activity has been conducted on the account. 

That no additional credit requests, inquiries, or accounts have been submitted under our businesss name or tax identification number. 

That our company bears no liability for this card or any related activity. 

Please advise on the proper handling of the physical card ( destruction or return ).

Company response to consumer: Closed with explanation