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

Complaint narrative:
Despite repeated attempts to resolve these matters, XXXX  continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. Every time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out

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 2025-08-08 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: FL

Complaint narrative:
This is not a mistake or misunderstanding my credit report contains clear inaccuracies that have not been addressed with the level of accuracy and diligence required. These errors are causing ongoing harm to me financially and emotionally, in ways you can not fully comprehend. These are difficult times, and it would be a significant and much-needed relief if these inaccuracies were promptly corrected or removed.

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

Complaint narrative:
This is not a mistake or misunderstanding my credit report contains clear inaccuracies that have not been addressed with the level of accuracy and diligence required. These errors are causing ongoing harm to me financially and emotionally, in ways you can not fully comprehend. These are difficult times, and it would be a significant and much-needed relief if these inaccuracies were promptly corrected or removed.

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

Complaint narrative:
On XX/XX/XXXX I noticed unauthorized accounts on my credit report that I never opened. These accounts were created without my permission or awareness and seem to be the result of identity theft or misuse of my personal information. The fraudulent accounts include : -XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXXopened on XX/XX/XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX XXXX XXXX XXXX opened on XX/XX/XXXX XXXX XXXX opened on XX/XX/XXXX XXXX XXXX XXXX XXXX opened on XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) - collection - opened on XX/XX/XXXX And the following inquiries were also never authorized by me and are fraud too : XXXX inquired on XX/XX/XXXX XXXX inquired on XX/XX/XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX  inquired on XXXX XXXX, XXXX XXXX inquired on XX/XX/XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX  inquired on XX/XX/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 2025-08-08 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ma XXXX XX/XX/XXXX TransUnion LLC P.O. XXXX XXXX XXXX, PA XXXX Dispute of Inaccurate Late Payment Reporting on Account # XXXXXXXX XXXX XXXX with XXXX XXXX * * To Whom It XXXX Concern, I am writing to formally dispute the reporting of late payments on my account number XXXX * * * * with DIGITAL EFCU as reflected in my credit report. According to my records, these late payments are inaccurate, incomplete, and/or unverifiable, and thus should be removed immediately from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681e ( b ). 
The credit reports from TransUnion and Experian list my payments as XXXX XXXX XXXX XXXXor the periods ending XX/XX/XXXX, but my records indicate these payments were made on time or within the agreed terms. 
Equifax reports the account as XXXX with no late payments, highlighting inconsistencies among the bureaus. 
Under FCRA 1681i ( a ), you are required to conduct a reasonable reinvestigation of any disputed information and remove any inaccuracies within 30 days.

Under FCRA 1681e ( b ), credit furnishers and credit reporting agencies must ensure maximum possible accuracy of the information reported. 
The inconsistent and unverifiable late payment entries violate these standards, causing me undue harm and inaccurate credit evaluation. 
Requested XXXX : Please conduct a thorough reinvestigation of this account with XXXX XXXX. If you can not verify the accuracy of the reported late payments, you are legally obligated to delete these derogatory marks from my credit file promptly. Please send me written confirmation of the results of your investigation and a copy of my updated credit report reflecting these corrections. 
I have included copies of relevant payment records and statements for your review. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
I dispute the alleged debt you claim to collect on behalf of XXXX XXXX. Pursuant to 15 U.S.C. 1692g ( b ), provide written validation, including proof of legal assignment to your company. I have no agreement with you.

Under 15 U.S.C. 1692e ( 2 ) ( A ) and 1692e ( 8 ), you are prohibited from misrepresenting this debt or reporting false credit information. You do not have my permission to place inaccurate or misleading information on my credit report. Any violation will result in legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Company Name : XXXX XXXX XXXX Website XXXX XXXX XXXX I placed an order with XXXXXXXX XXXX on XX/XX/year> under their Try Before You Buy promotion, which stated that I would only be charged for shipping. I was charged the full amount in my account and it was pending. Within minutes of placing the order, I emailed to request cancellation. 

The company refused to cancel, stating that the order had already been sent to their warehouse, even though it was not actually shipped until approximately XXXX hours after my cancellation request. Despite this, they processed a {$200.00} charge to my bank account, which was never authorized under the promotions terms. 

I contacted my bank immediately to dispute the charge as unauthorized and fraudulent. I have proof of my cancellation request, timestamps showing it was sent within minutes of placing the order, and XXXX tracking showing the shipping occurred XXXX hours later. 

The company continues to refuse a refund and insists they can not cancel, despite the fact that the product had not shipped at the time of my cancellation request. This is misleading, deceptive, and a violation of fair business practices. The company shipped the item to me and now I have to refuse a package I don't want and they won't refund the shipping fee. 

I read later on that they have done this to many other people as well.

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 2025-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Someone had recently stole my identification. I cant pin point where because I signed up for a few things in the past, since 2023 I havent been able to open any bank accounts. Whoever stole my information has traded and used my personal identity for their financial gain. Everytime I tried to make a bank account I have been told I have been denied. I never received anything from the banks just only a denial. I just want to be able to use a bank to get my direct deposits. The 3rd party banks dont have branches so its extremely hard to access money when the banks I have been using over the years dont have a walk in branch

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 2025-08-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paramount GR Holdings, LLC
State: NC

Complaint narrative:
On XX/XX/XXXX, a solar panel company ( XXXX XXXX ) initiated an installation at my home. The panels were physically installed but never connected to the utility or granted Permission to Operate ( PTO ). Despite the system being non-functional, I was connected to a loan through Goodleap, and monthly payments began immediately. 

I was unaware that loan payments would start before the system was operational. I paid regularly throughout XXXX, expecting the system to be completed. However, the job remained unfinished, and I received no usable energy or value. When I tried contacting the company for updates, I received no clear answers. 

Later, I found out ( through our own investigation and a consumer complaint ) that XXXX XXXX had gone bankrupt. Goodleap never informed me of this and continued collecting payments without disclosing that the project could not be completed. They even increased the payment amount over time. I stopped making payments when it became clear the service I was paying for would never be delivered. 

Over the course of XXXX years, I repeatedly asked Goodleap to send me a physical copy of the loan agreement, but they refused, while continuing to aggressively call and pressure me for payment. 

In early XXXX, after filing a complaint with the XXXX XXXX XXXX, Goodleap finally sent the loan documents to the XXXX XXXX XXXX that they sent to us, and claimed they had connected me to a new XXXX who could finish the installation at their expense. They said this contract had been sent back in XX/XX/XXXX, but the first contact from that company didnt happen until XX/XX/XXXX. We responded with terms for cooperation on XX/XX/XXXX, but have not received a reply. 

To this day, the solar system remains non-operational, and I continue to face pressure from the loan company over a service that was never fully delivered. This has caused financial harm and stress, and I believe it involves misrepresentation, failure of consideration, and possible consumer fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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:
I am the living man, executor, beneficiary of these accounts and It has come to my attention that although I have written several letters asking for validation of debt, audit trails I am not getting any response because of the automated system you have in place which in fact is a violation as well.. 



When it comes to uploading my documents on your portal, it is difficult for the consumer to upload the pending documents needed to expedite my dispute claim. That is a violation of my consumer rights. I have reported this concern on several occasions and the problem is not being addressed.

Today, I am demanding these accounts to be removed immediately off my credit as it is in violation to the following federal constitutional laws : 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 and the Gramm-Leach Bliley Act. 



I am afraid these XXXX credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 

I did not give consent to these accounts Or give my permissible purpose. 



I have remained humbled despite the stress, abuse, and harm thee XXXX credit reporting agencies have done to me.

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 2025-08-08 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: FL

Complaint narrative:
I am the living man, executor, beneficiary of these accounts and It has come to my attention that although I have written several letters asking for validation of debt, audit trails I am not getting any response because of the automated system you have in place which in fact is a violation as well.. 



When it comes to uploading my documents on your portal, it is difficult for the consumer to upload the pending documents needed to expedite my dispute claim. That is a violation of my consumer rights. I have reported this concern on several occasions and the problem is not being addressed.

Today, I am demanding these accounts to be removed immediately off my credit as it is in violation to the following federal constitutional laws : 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 and the Gramm-Leach Bliley Act. 



I am afraid these XXXX credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 

I did not give consent to these accounts Or give my permissible purpose. 



I have remained humbled despite the stress, abuse, and harm thee XXXX credit reporting agencies have done to me.

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

Complaint narrative:
In accordance with the fair credit reporting act XXXXXXXX XXXX  XXXX has violated my rights. 

15 U.S.C 1682 SECTION 602 A. States I have the right to privacy.

15 U.S.C 1681 SECTION 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
am submitting this formal complaint regarding an account being reported by XXXX XXXX on my TransUnion credit report that is not appearing on my Experian or Equifax reports. I have been disputing this account for approximately XXXX years, yet TransUnion continues to verify it without providing proper documentation or proof of its accuracy, as required under the Fair Credit Reporting Act ( FCRA ). 

Despite multiple written disputes and requests for verification, TransUnion has failed to : 1. Provide documentation from XXXX XXXX that substantiates the validity of the account. 
2. Conduct a reasonable investigation as required by 15 U.S.C. 1681i ( a ).

3. Remove the inaccurate information after failing to verify it as required by 15 U.S.C. 1681i ( a ) ( 5 ).

The fact that this account is absent from both XXXX  and XXXX  further raises serious questions about its accuracy and validity. If this account were legitimate, it should reasonably appear across all major credit bureaus. 

The continued reporting of this account by TransUnion, without proper verification, has caused me ongoing harm, including repeated credit denials and damage to my creditworthiness. This is in direct violation of the FCRAs requirements for accurate reporting and reasonable reinvestigation. 

I am requesting that the CFPB : XXXX TransUnions failure to conduct a reasonable reinvestigation. 
Require XXXX XXXX to provide documented proof of the account or remove it entirely from my TransUnion credit report. 
Ensure compliance with the FCRA and hold the parties involved accountable for their violations. 

I have attached copies of my disputes to TransUnion, responses received, and current credit reports from all three bureaus for your review. 

Thank you for your prompt attention to this matter. I look forward to your response and a resolution. As you can see in my cfpb profile you can see I been disputing this account for years now

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 2025-08-08 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:
These accounts were fraudulently opened without my permission. As such, I demand their deletion under USC 1681g within XXXX XXXX. Ive included documents that support this claim.

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 2025-08-08 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: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within XXXX ( XXXX ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANC OF CALIFORNIA, INC.
State: CA

Complaint narrative:
Re : Case # XXXX Missing Returned Funds from XXXX XXXX XXXX XXXX XXXX XXXX : {$910.00} Dear CFPB, I am writing to follow up on Case # XXXX, which I opened on XX/XX/year>, concerning funds that XXXX XXXX reported returning to my account but which have not been received by XXXX of California. 

The relevant Transaction Reference refund issued by the merchant ( BA ) is # XXXX. 

As of todays date, the funds of {$910.00} remain missing from my account. I am in receipt that the investigation could take up 90 days until XX/XX/year> to resolve. However, given the amount of time that has already passed. 
XXXX. Any available updates on the status of the investigation. 
XXXX. Documentation of the steps being taken to trace and recover the funds from XXXX XXXX. 

For reference, XXXX XXXX has confirmed that the funds of {$910.00} were returned to the originating bank on XX/XX/XXXX, which they identify as the Bank XXXX California. Therefore, I respectfully request that you escalate this matter if necessary to ensure prompt resolution. 

Please respond in writing at your earliest convenience. I am also submitting a copy of this correspondence to the Consumer Financial Protection Bureau for their records. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation