vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/year> places an order from XXXX using my Wellsfargo XXXX debit card in the amount XXXX. 

XX/XX/year> received notification from the shipping company XXXX stating my XXXX package was delivered. I was at work during the time it was delivered so I asked to take an early lunch so I could go get my packet since it said it was delivered. When I arrived home there was no package anywhere near my door or porch. I contacted XXXX to let them know I had not received my package and they filed a claim for a missing package, and was told to wait XXXX while they looked into it. I contacted the police department and filed a police report. 

XX/XX/year> XXXX contacted me and said they could not find the package and that I should contact the merchant. I contacted XXXX and let them know I had not receive the package. The representative said I would be refunded the full amount in XXXX XX/XX/year> contacted XXXX to inquire about the refund as I had not received XXXX after the XXXX time frame I was given by XXXX. I was put on hold and then quickly told to contact my bank and file a dispute as they could not refund me due to the shipping company XXXX claiming I signed for the package and that it was delivered. I contacted my bank Wellsfargo and filed a dispute and a temporary credit was issued for the entire amount of my order XXXX. 

XX/XX/XXXX - Now I have been reaching out to the police department weekly for any updates, but the investigation is still ongoing. 

XX/XX/XXXX XXXX bank Wellsfargo reversed the temporary credit making me overdraft my account by XXXX. I called my bank and was told my dispute was denied due to XXXX responding to the claim stating the package was delivered and signed for. The Wellsfargo representative told me to contact the merchant. Contacted XXXX and was requested to send in pictures of my signature to compare to the one from the shipping company XXXX and I did. I was then told to wait up to XXXX for a response. 

XX/XX/year> contacted XXXX as I had not heard anything in over XXXX. The representative stated the signatures looked different, but they were still not able to provide a refund and was told to contact my bank again to dispute it. I called Wellsfargo only to be told they could not file another dispute for the same transaction since it was denied the first time I filed the dispute and that my account would stay overdraft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: NJ

Complaint narrative:
I have been made aware that due to a recent data breach, my personal information was used to open fraudulent accounts. Pursuant to Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : 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 NJ XXXX XXXX XXXX and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXXXXXX 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 2025-05-22 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: NJ

Complaint narrative:
I have been made aware that due to a recent data breach, my personal information was used to open fraudulent accounts. Pursuant to Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : 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 NJ XXXX XXXX XXXX and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXXXXXX 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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These inquiries were not authorized by me. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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.

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 explanation
Consumer complaint received 2025-05-22 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.

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 2025-05-22 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: DC

Complaint narrative:
My credit report has unauthorized accounts resulting from a data breach. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : 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 XXXX XXXX XXXX XXXXXXXX delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I previously submitted a dispute regarding the account in question ; however, there are still inaccuracies and incomplete information appearing on my credit report. I formally request the description of the procedures used to investigate this account. You are required to provide this information within 15 days of receiving this notice. If you are unable to verify the accuracy of the information or do not respond within the required time frame, the disputed accounts must be removed from my credit report. Attached is a copy of my written request for the description of procedures. I look forward to your timely response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Conduent Incorporated
State: PA

Complaint narrative:
b"My son child support card was compromised and I filed a dispute. Dispute number. XXXX  Two weeks later the funds were reversed. I called customer service on XXXX XXXX XXXX around XXXX XXXX  to find out why was it was reversed and that I would like to submit my police report. The lady on the phone was very nasty rude and would not answer my questions she immediately told me I will not get my money back dispite me submitting the police report which is new evidence and hung the phone up on me, also kept cutting me off and at one point was blowing on the phone so I couldn't hear her. I was unable to reach anyone because my card was deactivated or get my claim number from the new dispute I filed as well. So now I have to wait until the new card comes to reach customer service my number is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TN

Complaint narrative:
When I tried to contact the company about my problems Im never able to call. There is no XXXX number nowhere. Someone from cashapp always text me & ask me for a number & email to get in contract with me. That is so unprofessional

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IN

Complaint narrative:
I applied for and got approved for a forbearance that goes thru XX/XX/XXXX. I am getting calls and emails telling me Im late on payments and its a Mohela collection agency. I try calling their number and its over 3 hrs on hold, and hangs you up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: NY

Complaint narrative:
I am submitting this formal complaint against TransUnion regarding multiple unresolved inaccuracies on my credit report. Despite previous disputes, these errorsincluding incomplete and inconsistent reporting as well as an unverifiable bankruptcy recordremain unaddressed. The lack of action and transparency in resolving these issues has caused undue frustration and raises serious concerns about TransUnions investigative practices .Below are the details of the items and reasons for my complaint : Disputed XXXX XXXX Bankruptcy Records : - Reference XXXX XXXXXXXX - Reference XXXX XXXXXXXX On XX/XX/year>, I mailed a dispute letter requesting specific details regarding the investigation of these bankruptcy records, including : - The date the furnisher was contacted - The person who verified the item - The method of communication used for verification. - The personal information the furnisher used to confirm the public records accuracy. 

Despite this request, TransUnion failed to provide any response or clarification. 
Subsequently, on XX/XX/year>, I submitted another letter requesting a reinvestigation of the XXXX XXXX bankruptcy. In this communication, I provided all necessary documentation and followed proper dispute procedures. However, TransUnion has once again failed to respond or provide any results of their investigation. As of today, it has been over 30 days without any resolution or communication regarding this matter. 
TransUnion 's failure to conduct a proper reinvestigation, provide verification details, or respond within the legally required timeframe demonstrates a concerning lack of accountability and transparency. To support my claim, I have attached copies of my original dispute letters To Transunion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: LA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: LA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: LA

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX continues to report inaccurate, misleading, and damaging information on my credit report, and the credit bureau has failed to take corrective action after multiple disputes. 

The account in question was charged off in XXXX, yet XXXX continues to report monthly updates through XXXX, which misrepresents the age of the debt and violates FCRA 623 ( a ) ( 5 ). This is a re-aging tactic used to keep derogatory information active and harmful beyond its actual timeline.

Additionally, the payment history has been changed multiple times. It now reflects : Two repossessions ( XX/XX/XXXX and XX/XX/XXXX ) Current status mixed with multiple 3090 day lates Reporting both a charge-off and an active past due balance ( {$5000.00} ), which is misleading and damaging The company also failed to provide debt validation from its collection partners, violating FDCPA 809. As a result, this tradeline is unfairly suppressing my credit and interfering with my ability to secure essential financing, including a mortgage.

Intent to Sue : If this account is not deleted or fully corrected within 15 business days, I will pursue legal action under : FCRA 611 and 623 for inaccurate, re-aged, and unverifiable reporting FCRA 616617 for willful and negligent noncompliance FDCPA 809 for failure to validate the debt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
A couple months ago I received a text message from Sunrise claiming I had a debt that needed to be paid. I assumed it had to do with XXXX as I have a XXXX account for tolls. I was then redirected to a website and instructed to create an account. I had my doubts about the websites legitimacy as they only asked for my first and last name to create the account. Once I finished creating my account, I soon realized it was not XXXX but rather a company unfamiliar to me. The website didnt have much to it besides my name and a debt claim of approximately {$200.00} I had never seen before. I decided to not address the issue as I believed I was being scammed and didnt want to do more harm then good. However, this lead to relentless calls that I chose to ignore. The calls would be once a week but recently escalated to twice or three times a week. The most recent calls were on XX/XX/year> and XX/XX/year>. I decided to take action when I noticed a drastic drop in my credit score during the month of XXXX. According to my bank, it was due to a late debt payment to XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX acct XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX acct 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