vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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:
Subject : Paid Account Still Reported Negatively by XXXX  and TransUnion XXXX XXXX XXXX Complaint : I am filing this complaint regarding the continued negative reporting of a paid account by XXXX  and TransUnion, even though it was deleted bXXXX XXXX after proper dispute and resolution. 

Account Details : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Balance : {$470.00} Current Balance : {$0.00} Status : XXXX XXXX Deleted as of XX/XX/XXXXXXXX XXXX & TransUnion : Still reporting as Negative Issue : The account was paid in full with a final payment on XX/XX/XXXX and subsequently removed from XXXX However, XXXX  and TransUnion continue to report this account as derogatory, despite : XXXX balance No activity since late XXXX Clear documentation showing charge-off was paid Status inconsistency across credit bureaus This violates the FCRA requirement for credit bureaus and furnishers to maintain maximum possible accuracy and ensure all data is complete and not misleading. 

Relevant FCRA Violations : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) : Failure to delete or correct inaccurate information within 30 days of dispute 15 U.S.C. 1681s-2 ( b ) : Furnishers failed to update or correct data after being notified

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 2025-07-09 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: FL

Complaint narrative:
I was recently reviewing my Credit Report and noticed that there were fraudulent accounts that I did not authorize. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate, fraudulent, or unverifiable information on my credit report. I request that this account be removed from my Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: FL

Complaint narrative:
These entries remain unverified and questionable. 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 explanation
Consumer complaint received 2025-07-09 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I scheduled a payment from my Wells Fargo checking account to XXXX XXXX XXXX for my monthly auto loan. Despite the payment being properly scheduled, Wells Fargo failed to send the funds, which caused my payment to bounce. As a result, XXXX charged me a Non-Sufficient Funds ( NSF ) fee. 

I attempted to resolve this issue with Wells Fargo by phone on multiple occasions. Each time, I was met with unprofessional, rude customer service representatives who either hung up on me mid-call or never returned the call. No one provided a resolution or explanation.

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 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
So in XXXX I received a XXXX tuition check ( loan ) from my school and went to truist and deposited it. the same day they locked my account then proceed to close it. that check cleared my schools bank XX/XX/XXXX and the fraud analysis department is refusing to release my check because the signature doesnt match which makes no sense because I signed it. They are saying my schools bank needs to contact truist to recall the check funds and then rewrite another check which they cant do. Because truist has the money from the check. They are illegally holding my funds and I think its wrong and even more wrong that they are messing with someones elses money. My mom banks with truist hand they have a good bit of her money and HAS NEVER had a problem please fix this they are not making any sense I have called about 12 times and have gotten absolutely no where

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 2025-07-09 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX reference # XXXX is trying to collect a debt that is under dispute with ally financial an auto lender. The debt thats been disputed against ally financial was supposed to be resolved with non monetary relief. XX/XX/year> I was informed that ally financial sold the debt to client services inc XXXX of XXXX. As of today XX/XX/year> Ally financial updates my debt under there companys name as if client services inc does own the debt or manages the debt Which I feel is a manipulation to the dispute process and resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: OH

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
SEE ATTACHED : I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED AN INACCURATE ACCOUNT REPORTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Unauthorized Hard Inquiries Under the Fair Credit Reporting Act ( FCRA ) I am a victim of identity theft and am formally requesting the immediate removal of unauthorized hard inquiries from my credit report maintained by TransUnion. These inquiries were made without my knowledge or consent. Under the Fair Credit Reporting Act ( FCRA ) 605B, credit reporting agencies are required to block all information resulting from identity theft within four ( 4 ) business days of receiving a valid identity theft report. This includes unauthorized hard inquiries. Inquiries to removed immediately : XXXX XXXX Date of inquiry : XX/XX/XXXX I am including the following documents as required under FCRA 605B. Please provide written confirmation of the actions taken on this matter. If no action is taken within the time allowed under the FCRA, I will pursue further legal remedies as permitted by law. Please note you have 4 days to remove this information. Thank you for your prompt attention to this urgent matter. 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 2025-07-09 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: TX

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

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$49000.00} INQUIRIES : XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : 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 2025-07-09 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
XXXX University XXXX XXXX XXXX, a for-profit Caribbean XXXX  school, improperly induced me to take out the following XXXX XXXX XXXX XXXX XXXX to pay tuition amounts not covered by federal aid : Loan # XXXX, disbursed XX/XX/XXXX, original amount : {$16000.00} Loan # XXXX, disbursed XX/XX/XXXX, original amount : {$18000.00} I believe the school either misrepresented or gained unauthorized access to my student account to enroll me in these private loans without my full knowledge or consent. 
I previously submitted a XXXX XXXX XXXX to XXXX, identifying these concerns, but the request was denied without a clear explanation. 
I believe these loans were originated to help XXXX University comply with the federal XX/XX/XXXX XXXX, which requires for-profit schools to obtain at least 10 % of their funding from non-federal sources such as private loans. In my case, the school appears to have prioritized compliance with this financial rule over ethical lending practices and informed student consent. 
I am requesting an investigation into the legitimacy of these loans, the school 's enrollment practices, and potential violations of consumer lending laws and Department of Education regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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 has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$49000.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : 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 non-monetary relief
Consumer complaint received 2025-07-09 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: GA

Complaint narrative:
Transition for the last three months has been purposefully reporting inaccurate and incorrect information in regards to my credit card balances. I am at my wits end with this. Im calling my lawyer today.

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 2025-07-09 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: MS

Complaint narrative:
I have submitted multiple dispute letters to Equifax, Experian, and TransUnion to address inaccuracies on my credit report. Unfortunately, these errors have not yet been corrected. For your reference, Ive attached copies of the letters sent to each bureau, along with a table outlining the discrepancies across all three reports. I respectfully request your assistance in reviewing and resolving these issues 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 2025-07-09 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: MS

Complaint narrative:
I have submitted multiple dispute letters to Equifax, Experian, and TransUnion to address inaccuracies on my credit report. Unfortunately, these errors have not yet been corrected. For your reference, Ive attached copies of the letters sent to each bureau, along with a table outlining the discrepancies across all three reports. I respectfully request your assistance in reviewing and resolving these issues promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
I opened a checking account with Fifth Third Bank in XX/XX/XXXX to take advantage of a promotion to receive a bonus after direct depositing a designated amount of money. I received my bonus and decided to keep my account open as a backup account. 

I never used the debit card associated with this account beyond activating it. In XX/XX/XXXX and XXXX of XXXX, XXXX fraudulent transactions were conducted online with my debit card number. I had the card re-issued, disputed these charges through Fifth Third, and received a refund. 

From XX/XX/XXXX to XX/XX/XXXX a series of XXXX additional fraudulent transactions happened on this account from the same merchant as the original XXXX transactions. 
I am extremely dissatisfied that Fifth Third did not seem to have any monitoring for fraudulent transactions, considering the only things I've done with this account are direct deposits and transfers to an external bank account. All previous debit card transactions were fraudulent. 

I am exclusively a credit card user for this reason -- a credit card breach isn't my money, and credit card issuers have much higher motivation to detect and stop fraud as it is their company 's money on the line. 

I filed a dispute with Fifth Third for these XXXX transactions on XX/XX/XXXX after receiving an overdraft notice. The fraudulent actors had conducted {$150.00} of transactions and overdrawn the {$150.00} in my account. I was told by Fifth Third that I would receive resolution in XXXX business days. {$94.00} was restored to my account by XX/XX/XXXX, but the rest of the fraudulent balance was still outstanding. 

Customer service informed me that I had waited too long to report the fraud and allowed me to file an appeal. I am waiting for the resolution of this appeal. They had me submit bank statements to support my appeal. I am curious as to why the appeals team can not research my account activity without me having to send it in. Frustratingly, I logged into my account via XXXX on my laptop computer ( I had previously been using the mobile app ) and encountered an error where I could not download any of my statements. I called customer support and was told that since this computer was a new device, it would be XXXX hours before I could download any documents. I offered to verify my IP address or any other identifying factors, and the representative informed me that he would attempt to bypass the protection. This is clearly a faade of security, because I was able to conduct a transfer from this account to my other bank account via online banking on the new device. 

I am very frustrated and disappointed with the experience I've had with Fifth Third Bank. I will be closing this account as soon as all of my funds are restored.

Company response to consumer: Closed with explanation