vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 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: ND

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that are incorrect : The following personal information is incorrect Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX, NJ XXXX * XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NJ XXXX This is my formal dispute regarding multiple inaccuracies in my credit report. Previous disputes were filed and confirmed under File # XXXX, yet no meaningful corrections have been made. Under the FCRA 609 ( a ) ( 1 ) and 611 ( a ) ( 1 ) ( C ), I am demanding a reinvestigation consistent with Metro 2 reporting standards and maximum possible accuracy.

Accounts in Dispute ( Metro 2 Noncompliance ) : XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX -- This account has been illegally reinserted without proper notification and no proper communication, I was never been informed. I was never been late in making my payments it is totally inaccurate that I was late XX/XX/XXXX because this NEVER happened. 

XXXX XXXX XXXX DATE OPENED XX/XX/XXXX -This account has been illegally reinserted without proper notification and no proper communication, I was never been informed. This was paid before it went to the charge off and never been late in making my payments, please delete this immediately. 

These are either unverifiable, inaccurately reported, or duplicative accounts. 
I demand an escalated compliance investigation into these items. Under FCRA 611 ( a ) ( 1 ) ( C ), you are required to conduct a reasonable reinvestigation or delete unverifiable data. Continuing to report false or inconsistent information after repeated disputes constitutes willful noncompliance.

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 2025-12-23 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: GA

Complaint narrative:
This is from me and not a credit repair company. I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX Consumer : XXXX XXXX XXXX Company : XXXX XXXX Product : Telecommunications Services Issue : Credit Reporting Inaccurate / Misleading Information Credit Bureaus Involved : Experian, XXXX XXXX Complaint Statement XXXX XXXX is furnishing materially inaccurate, misleading, and unverifiable information to consumer reporting agencies in violation of the Fair Credit Reporting Act ( FCRA ). 
This account is being reported as a collection account with a past-due balance, which is legally inaccurate because once an account is placed in collection status, no active credit obligation exists. XXXX is also reporting fabricated credit terms ( XXXX terms ) and a payment history grid implying missed scheduled payments, which is impossible for a telecommunications collection account. 
Additionally, XXXX has failed to provide documentary evidence supporting : The itemized charges comprising the alleged balance The verified Date of First Delinquency ( DOFD ) Any legally reportable payment history Despite prior disputes, the same inaccuracies continue to be reported, indicating reliance on automated verification rather than a reasonable reinvestigation, in violation of FCRA 1681i and 623. 
I request that XXXX XXXX be required to either : Produce full documentary verification supporting this reporting, or Instruct all consumer reporting agencies to delete this tradeline entirely Continued reporting of this account constitutes ongoing consumer harm.

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 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I opened a business bank account with Chase Banking on XX/XX/year> for my newly-formed XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Approximately 20 days later, the bank closed the account without warning. When I contacted the bank, I was told only that the closure was a business decision and that the decision could not be appealed. No meaningful explanation was provided.

To open the account, the bank required a personal credit inquiry, which resulted in a negative impact on my credit score. I provided my personal information in good faith for the purpose of establishing a longterm business banking relationship. The banks decision to close the account shortly after opening, without explanation, caused unnecessary harm to my personal credit. 

I am requesting the CFPBs assistance because : I was not given a clear or specific reason for the account closure.

I was told the decision is final and can not be appealed.

My personal credit was used to open the account, and the resulting inquiry negatively affected my credit score.

The account was closed so quickly that the credit inquiry appears unnecessary and harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I deposited {$1000.00} to PNC Bank atm during the transaction the atm restarted and never returned my money or my card. Now the bank is telling me to wait XXXX days to fix their error. I live paycheck to paycheck. I can't ask for interest. The atm was located at XXXX XXXX and the incident happened on XX/XX/XXXX at about XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: TX

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: MD

Complaint narrative:
I am filing this complaint against TransUnion for reporting multiple hard inquiries on my credit report that I did not authorize, initiate, or consent to. These inquiries are inaccurate, unverifiable, and are causing measurable harm to my credit score and overall creditworthiness. 

I formally disputed these hard inquiries directly with TransUnion and requested validation and removal, as required under the Fair Credit Reporting Act ( FCRA ). Despite my dispute, TransUnion failed to provide any documentation demonstrating a permissible purpose or my written authorizationsuch as a signed application or consumer consentand has continued to report the disputed inquiries. 

Under 15 U.S.C. 1681b, a consumer reporting agency may only report a hard inquiry when the user of the report has a permissible purpose, which includes the consumers explicit authorization. Reporting hard inquiries without a permissible purpose violates this section of the FCRA. 

Additionally, 15 U.S.C. 1681e ( b ) requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. TransUnions continued reporting of unauthorized inquiries demonstrates a failure to maintain reasonable procedures to ensure accuracy. 

Furthermore, under 15 U.S.C. 1681i ( a ), TransUnion is required to conduct a reasonable reinvestigation of disputed information and delete or correct any information that is inaccurate, incomplete, or can not be verified. TransUnion has failed to properly reinvestigate and has not verified the disputed inquiries as required by law. 

TransUnions actions constitute noncompliance with the FCRA and have resulted in ongoing financial and reputational harm. 

I did not authorize the following Inquiries : 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 explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: VALLEY NATIONAL BANCORP
State: CA

Complaint narrative:
XX/XX/year> : Valley National Bank received and accepted my legitimate {$100000.00} by XXXX transfer from my savings account at XXXX Bank XX/XX/year> : Valley National Bank opened an account in my name, then closed it within days without adequate explanation XX/XX/year> : Valley National Bank informed me they had returned the {$100000.00} via wire transfer to XXXX XXXX  XX/XX/year> : XXXX XXXX  confirms after extensive investigation they never received any such wire transfer Days elapsed : 143 days that Valley National Bank has been responsible for my {$100000.00} Valley National Bank accepted my money. Valley National Bank became a fiduciary of my funds. Valley National Bank can not now claim the funds simply " disappeared '' or shift responsibility to me to locate them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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 have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
QWR, XXXX and demand for disclosure under TILA. Master Servicer Wells Fargo fraudulently foreclosed and stole my property and now refuses to return me my original Promissory Note and other original documents for the property located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX. I never had any foreclosures filed on XX/XX/year> and Wells Fargo failed to provide me any documents evidencing any foreclosures filed against me on XX/XX/year>. Wells Fargo also failed to disclose the owner of the obligation who is entitled to receive and who actually received profits from forced sale of my property. Wells Fargo failed to provide any documents evidencing any " defaults ''.

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 2025-12-23 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:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$740.00} Inquiries : No inquiries for Equifax. 

Late Payments : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
NewRez changed prepaid payments that were applied in the order received and reapplied the same payments back to principal without notice/consent and against the terms of our mortgage. 

NewRez Failed to provide prepayment terms in writing other than what is outlined in our original mortgage. 

NewRez Paid our County Taxes twice and have not applied the duplicate transaction back to our escrow account. 

NewRez has not yet setup our Escrow account on our web portal. 

NewRez Provided False and misleading information about our loan processes

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-12-23 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: GA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-12-23 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: GA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
In XXXX I received a phone call from " XXXX, '' an online retailer, stating that I had made a purchase and that I owed them {$140.00}. I told them that I never made such a purchase. They stated that an order was in my name and used an address for me. I told them that the address was not valid because I had not lived at that address since XXXX. I did further research to find that XXXX was extending credit to the general public with just a name and address. I heard nothing more on this alleged debt until 3 months ago when I started getting weekly texts from XXXX about an alleged debt. I filed a dispute on the XXXX website. In response to my prior CFPB complaint XXXX stated that they have closed my account and notified their client. On XX/XX/XXXX through a credit monitoring service, I discovered that LNVN / Resurgent Capital had reported this same fraudulent debt to XXXX of the credit reporting agencies which will now affect my exemplary XXXX XXXX. I filed a complaint on the Resurgent website that this was not my debt and that I wanted supporting documentation. I have not heard from them to date. I believe that LNVN is in violation of CFPB regulations for not providing me with supporting documentation. I also believe they know the debt is unsupportable and uncollectible but relying on my high credit score in the hope that I will pay it to protect my credit score. I believe XXXX is aiding and abetting fraud by employing a strategy of negligently and improperly extending credit to the general public knowing that there will be high risk of fraudulent transactions but then using the debt collection system to try to mitigate their losses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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:
Charged-Off Account in Dispute I dispute the following charged-off account on my TransUnion report : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Reported XX/XX/year> Balance {$7000.00} The reporting date for this account differs from XXXX, which indicates inconsistent reporting. I am requesting verification of the correct reporting date, balance, and account status. If TransUnion can not verify the accuracy of this information, I request that it be corrected or deleted.

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 2025-12-23 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:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts XX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00XX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} XXXX XX/XX/XXXXAccount Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$600.00} XXXXXX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4800.00}

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 2025-12-23 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: NY

Complaint narrative:
I reviewed my credit report and identified inaccurate and/or incomplete information being reported for one or more accounts. I submitted a written dispute to TransUnion, clearly identifying the disputed tradeline ( s ) and explaining the specific inaccuracies. 

I provided all required identifying documentation, including a copy of my government-issued ID and proof of address, along with highlighted copies of my credit report showing the disputed information. 

I am requesting that TransUnion conduct a reasonable reinvestigation as required by the Fair Credit Reporting Act and correct or delete any information that can not be verified as accurate and complete.

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