vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
XXXX XXXX I disputed the following trasaction on my Wells Fargo checking account NoXXXX XXXX with Wells Fargo bank in the amount of $3,000.00 (transfer oXXXX XXXX to XXXX XXXX  Purchase authorized on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Wells Fargo issued XXXX XXXX  for Claim XXXX XXXX XXXX  in the amount of XXXXXXXX XXXX XXXX XXXXor Claim - XXXX XXXX XXXX immediately saw that XXXX XXXX  account balance was now zero. So far so good.XXXX XXXX Wells Fargo decided to reverse this provisional credit:XXXXXXXX Provisional Credit Reversal XXXX XXXX XXXX XXXXWells Fargo never explained reasons for any of its actions.\n\n\tAfter checking the account balance of XXXX XXXX I saw no reversal effects: the balance on XXXX XXXX account was still XXXX  after this reversal.XXXX  received a letter from Wells Fargo bank dated XXXX XXXX XXXX, stating that reversal of provisional credit was done to some unknown to me bank named XXXX XXXXReturned / Refunded Transactions:XXXX   Purchase Return, authorized on XXXX,   amount XXXX,   XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX     card XXXXThe same letter clearly states that the original transfer was from XXXX XXXX XXXX XXXX banXXXXtBut I never disputed any transactions with XXXX XXXX!   My money was returned to some unknown to me bank, to some unknown to me account. My XXXX XXXX  balance remained zero since then.  In other words, Wells Fargo issued provisional credit by transferring money from XXXX XXXX account, but Wells Fargo returned money to some XXXX XXXX (not to XXXX XXXX wrote about four emails to Wells Fargo bank, one email every month, about this problem, but I received no answer or explanation.\n\tI demand that my XXXX are returned to me by Wells Fargo bank.'

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 monetary relief
Consumer complaint received 2025-05-03 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: NC

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau due to multiple unresolved inaccuracies and procedural violations within my credit reports, despite several detailed dispute letters sent to Equifax, Experian, and TransUnion between XX/XX/year>, and XX/XX/year>. 

These disputes, mailed via XXXX with verified tracking and proof of delivery, addressed unauthorized inquiries, unverifiable accounts, and reporting inaccuracies that have directly impacted my financial standing and creditworthiness. I provided all required identifying documentation and cited relevant statutes under the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable and timely reinvestigation within 30 days.

15 U.S.C. 1681b : Reporting of inquiries made without my consent or permissible purpose.

15 U.S.C. 1681e ( b ) : Lack of maximum possible accuracy in reporting. 

Despite following proper procedures and allowing the appropriate window for response, the credit bureaus either : Verified unverifiable accounts without providing evidence, Ignored my detailed disputes entirely, or Failed to remove clearly inaccurate and unauthorized entries. 

This negligent behavior not only violates federal law but also reflects a systemic disregard for consumer protections and due process, as further underscored in the landmark case XXXX v. TransUnion. The financial and reputational harm I continue to endure is unacceptable, and my rights as a consumer are being denied through inadequate investigations and failure to uphold their obligations under the FCRA. 

I have copies of all original dispute letters, certified mailing receipts, responses ( or lack thereof ), and supporting documentation available for your review upon request. I am now seeking the CFPBs intervention to : XXXX. Investigate the non-compliance and negligence of the credit reporting agencies involved, XXXX. Ensure the deletion or proper verification of the disputed accounts and inquiries, and XXXX. Enforce regulatory penalties if these agencies are found to be in violation of federal law. 

If this issue is not resolved through your office, I am prepared to escalate my complaint to the State Attorney General, the Federal Trade Commission ( FTC ), and pursue further legal recourse as needed. 

Thank you for your time and advocacy in protecting consumer rights.

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 2025-05-03 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: NC

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau due to multiple unresolved inaccuracies and procedural violations within my credit reports, despite several detailed dispute letters sent to Equifax, Experian, and TransUnion between XX/XX/year>, and XX/XX/year>. 

These disputes, mailed via XXXX with verified tracking and proof of delivery, addressed unauthorized inquiries, unverifiable accounts, and reporting inaccuracies that have directly impacted my financial standing and creditworthiness. I provided all required identifying documentation and cited relevant statutes under the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable and timely reinvestigation within 30 days.

15 U.S.C. 1681b : Reporting of inquiries made without my consent or permissible purpose.

15 U.S.C. 1681e ( b ) : Lack of maximum possible accuracy in reporting. 

Despite following proper procedures and allowing the appropriate window for response, the credit bureaus either : Verified unverifiable accounts without providing evidence, Ignored my detailed disputes entirely, or Failed to remove clearly inaccurate and unauthorized entries. 

This negligent behavior not only violates federal law but also reflects a systemic disregard for consumer protections and due process, as further underscored in the landmark case XXXX v. TransUnion. The financial and reputational harm I continue to endure is unacceptable, and my rights as a consumer are being denied through inadequate investigations and failure to uphold their obligations under the FCRA. 

I have copies of all original dispute letters, certified mailing receipts, responses ( or lack thereof ), and supporting documentation available for your review upon request. I am now seeking the CFPBs intervention to : XXXX. Investigate the non-compliance and negligence of the credit reporting agencies involved, XXXX. Ensure the deletion or proper verification of the disputed accounts and inquiries, and XXXX. Enforce regulatory penalties if these agencies are found to be in violation of federal law. 

If this issue is not resolved through your office, I am prepared to escalate my complaint to the State Attorney General, the Federal Trade Commission ( FTC ), and pursue further legal recourse as needed. 

Thank you for your time and advocacy in protecting consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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:
XX/XX/scrub>XXXX To Whom It May Concern, I am writing to formally dispute several inaccuracies I have found related to closed accounts, unknown addresses, and other information that is being reported under my name. After reviewing my credit report, I have discovered multiple accounts that have been closed without my knowledge or permission, and numerous addresses that I have never associated with or lived at. I have attached relevant documentation to support my dispute and request your immediate attention to rectify these issues.

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 2025-05-03 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ashwood Financial Inc
State: TX

Complaint narrative:
The original Housing management company that works with XXXX XXXX XXXX in XXXX. Lost the contract for the apartments I was residing in back in XXXX. The property manager sent out eviction notices to the student residents that they had a week to vacate the premises. When I contacted the Housing management they had specifically told me that I needed to find my own place to live within the week. That same week my rent was due, so I told them I could not pay the rent for an apartment I was not going to have anymore and that I needed the money to find a new place to live. They told me it was not an issue and to not worry about it. I eventually found an apartment and moved 3 days later after that conversation. 2 months after I moved I received an alert on my credit report for collections for an amount owed on an apartment I did not live in anymore due to the housing companies mismanagement of the contract. And now they were trying to collect on something they were not providing me with. Now the collection has moved on to a different company, which I received another credit alert for. The original amount was for a little under XXXX, then it became XXXX dollars and now its XXXX. It baffles me that they can do this and report this the credit bureaus without, 1 : contacting me in any way and 2 : Misrepresentation of the original debt which I was told not to pay because I was not receiving the services I had originally be offered. This is a blatant and egregious use of power to undermine a XXXX XXXX XXXX XXXXXXXX veteran who's barely making ends meets as we speak. The ego of these companies that they could ruin my life because they just don't care iz astounding to me. I have received no communication from any of these companies in the last 3 years. I've been acquiring all my information from me credit reports and alerts. I've been trying to dispute this claim with no prior knowledge or information on the supposed debt needed to be collected. It is clear that after the Housing companies employees made a mistake by telling me not to pay. Now they are trying to cover XXXX XXXX and harras me by ruining my somewhat poor credit and take back money for a service they were not providing in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: DC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-03 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: MS

Complaint narrative:
I don't agree with the account listed below which still appears on my credit report, even after your Investigation. I would like this account immediately re-investigated. These inaccuracies are highly injurious to my credit rating Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your Investigation and corrections.

Your cooperation and prompt attention are greatly appreciated. 
XXXX XXXXXXXX XXXX  acct # : 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 2025-05-03 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: MS

Complaint narrative:
I don't agree with the account listed below which still appears on my credit report, even after your Investigation. I would like this account immediately re-investigated. These inaccuracies are highly injurious to my credit rating Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your Investigation and corrections.

Your cooperation and prompt attention are greatly appreciated. 
XXXX XXXXXXXX XXXX  acct # : 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 2025-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XX/XX/year>2025 I submitted a dispute regarding XXXX of my student loans to TransUnion that reads, " Due to ongoing legal and privacy concerns involving XXXX reported access to federal student loan data, Im requesting that this account be reviewed for accuracy and compliance with borrower privacy rights. Im concerned that my personal information may have been improperly handled or shared without authorization. On XX/XX/year>2025, I received a response stating the account was verified as accurate, but the response did not address my concerns about a potential violation of my borrower rights. I requested that TransUnion review whether my personal data was improperly shared or accessed without authorization, but this was not acknowledged in their findings.

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 2025-05-03 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist

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 2025-05-03 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: PA

Complaint narrative:
Hello, Experian has failed XXXX fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) XXXX conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing XXXX forward consumer-provided evidence XXXX furnishers accepting unreliable responses, XXXX failing XXXX adequately notify consumers where Experian has neither corrected nor removed disputed items despite the evidence, I provided causing on going harm XXXX  my credit standing. I am requesting immediate corrective action XXXX remove or amend the disputed accounts as Experian 's inaction violates federal law XXXX  my rights as a consumer.

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 2025-05-03 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: NY

Complaint narrative:
I am writing to Transunion formally to disput3 several unauthorized inquiries that appear on my credit report, which I obtained from your bureau. These inquiries were made without my knowledge, authorization, or consent and may be the result of identity theft. 
The Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b ( c ), permits inquiries to be made only with a consumers consent or for a legitimate purpose, such as a credit transaction initiated by the consumer. Additionally, 15 U.S. Code 1681c-1 allows consumers to place fraud alerts and block information that results from identity theft. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize this or any other related inquiry. Under the FCRA, you are required to block and remove any information resulting from identity theft within four ( 4 ) business days of receiving appropriate proof.

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 2025-05-03 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: LA

Complaint narrative:
On XX/XX/year>, I sent Experian my FTC report along with my license. I am a victim of identity theft and I did not authorize to opening of these accounts.

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 2025-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
When reviewing my credit report, I found several accounts listed in my name that do not belong to me. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. The items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I have contacted the Federal Trade Commission and filed a police report. I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A is liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law.

AFFIDAVITS OF LAW 1. Are you the original creditor? 
2. Have you given the debtor the opportunity to review the original contract? 
3. Have you validated the home address for the debtor? 
4. Have you complied with all FRCA, FDCP and FDCPA laws? 
5. Have you reported to the consumer who has reviewed the original contract information with his/her original signature? 
6. Have you provided the names of all creditors that have provided the names and addresses of the person who has reviewed consumer relations? 

Accounts : 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 2025-05-03 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: Freedom Mortgage Company
State: TX

Complaint narrative:
I had a mortgage account with Freedom Mortgage in 2021, I went through a divorce in 2021 and during this divorce the papers state that the financial responsibility of this mortgage was no longer legally mine. There were multiple missed payments that greatly affected my credit and I can not get them to remove anything even with sending the proper documentation of my legal divorce papers.

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 2025-05-03 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: IA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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