vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I deposited my spring semester scholarship check from the XXXX XXXX ( my colleges scholarship funds ; XXXX XXXX ) in the amount of {$7500.00}. This check was identical to one I deposited in fall semester on XX/XX/XXXX, with the exception of the date, without issue. Hours after depositing, Wells Fargo removed the funds from my account claiming an audit found the check to be altered. I called and filed a phone complaint which was not helpful. I then went in person to the branch where I deposited the check with the check stub to prove the check was accurate. The manager filed another complaint in my behalf, since as a XXXX, the scholarship money represents my living expenses from unmet need of federal and state financial aid. 

It has been 10 days and Wells Fargo has still failed to release the funds. They have not bothered to call my school to verify the validity and accuracy of the check, or asked me for any proof that I received the scholarship. They have done nothing which would immediately verify that the check was good and monies owed to me. I can not pay my bills because Wells Fargo is improperly holding my money 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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear CFPB, Subject : Dispute of Credit Report Inaccuracies Related to XXXX Card Account I am writing to formally request the Consumer Financial Protection Bureau 's assistance in resolving inaccuracies on my credit reports from Experian, TransUnion, and Equifax concerning my XXXX Card account. 

Background : The account in question is reported under the following details : Account Number : [ partially redacted for privacy ] Account Type : XXXX XXXX XXXXXXXX XXXX XXXX  Account Status : Derogatory, Charged Off Balance : {$46000.00} Credit Limit : Discrepancies between reports ( {$37000.00} and {$0.00} ) High Credit : Discrepancies between reports ( {$46000.00} and {$0.00} ) Issues : Inconsistencies Across Reports : The Equifax report shows an available credit as a negative number, which indicates an error in calculation or reporting. 
Although the balance and credit limit are consistent, there are discrepancies in how the account status and historical data are reported across Experian, TransUnion, and Equifax. 
Derogatory Status : All reports indicate the account is charged off, affecting my credit score negatively. 
The account has been marked as derogatory for an extended period, with no resolution despite disputes. 
Impact on Creditworthiness : These inaccuracies have resulted in a derogatory status that negatively affects my credit score and financial opportunities. 

Violations of Federal Laws : Based on my review, the credit reporting agencies are in violation of the following provisions under the Fair Credit Reporting Act ( FCRA ) : 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy of credit reports.

1681i ( a ) : Failure to conduct a reasonable reinvestigation of disputed information. 
Actions Taken : I have previously disputed these inaccuracies directly with the credit reporting agencies, providing supporting documentation and requesting corrections. Despite these efforts, the discrepancies and derogatory marks persist. 

Request for Assistance : I am seeking the CFPB 's intervention to ensure compliance with the Fair Credit Reporting Act ( FCRA ) and rectify these inaccuracies. Specifically, I request : Investigation : A thorough investigation into the procedures used by Experian, TransUnion, and Equifax to verify the disputed information. 
Correction : Prompt correction of any inaccurate or unverifiable information. 
Guidance : Advice on further steps I can take if these issues remain unresolved. 
Attachments : I have included copies of my credit reports from the credit reporting agencies and relevant sections of the FCRA. 

I appreciate your attention to this matter and look forward to your assistance in ensuring my credit reports accurately reflect my financial history. 

Thank you for your time and consideration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Finance Company, LLC
State: TN

Complaint narrative:
XXXX XXXX Consumer Social Security Number : ( Private SSN ) Consumer Date of Birth : ( Private DOB ) This formal complaint is filed with the Consumer Financial Protection Bureau ( CFPB ) to demand the immediate blocking of fraudulent information appearing on my consumer credit report. This action is requested pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), which mandates that you block information resulting from identity theft within four ( 4 ) business days of receiving this notification.

The following fraudulent, inaccurate, and false information, directly resulting from identity theft, is present on my credit report and must be blocked : A personal credit card account opened at CONTINENTAL FINANCE COMPANY LLC on XX/XX/year> under the account number ( private ). 

These fraudulently opened accounts have generated in unwarranted collection attempts being reported on my consumer FICO credit report. As evidence, I have attached a detailed list of these fraudulent collections, accounts and a copy of my consumer FICO credit report, as maintained by XXXX, clearly displaying these fraudulent items.

I unequivocally state that I do not recognize any of the aforementioned accounts or associated collections. These entries on my credit report were neither initiated, authorized, nor made by me. All of these negative items are a direct consequence of identity theft and fraud, causing significant damage to my creditworthiness and financial well-being.

Further irrefutable proof of this identity theft and fraud is provided in the attached copy of the official Federal Trade Commission ( FTC ) Identity Theft Criminal Complaint # ( private case number ). This report substantiates that the disputed items are indeed the result of criminal activity and not legitimate financial obligations incurred by me.

Therefore, in accordance with my rights under the FCRA 605B, I demand the immediate blocking of all the identified fraudulent information from my credit report within the statutory timeframe of four ( 4 ) business days. Your prompt attention to this urgent matter is required to rectify the inaccuracies caused by this identity theft.

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 2025-04-28 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:
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 ( XXXX ) 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 non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
have a number of disputes with Equifax from 2022. Every time I would dispute an account it comes back VERIFIED. I know this credit bureau didn't properly investigate the accounts disputed which is why this would be my last time disputing the accounts in question that no other credit bureau is reporting on my credit report. This has been happening and its time for them to be exposed with their fake investigation and generic " VERIFIED " that is done by a computer and not with the merchants themselves. 

They have totally violated my rights as a consumer and the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: AZ

Complaint narrative:
Please take immediate action to block and delete these unauthorized accounts from my credit report. I have no knowledge of them and never approved their creation. In line with USC 1681g, I formally request their removal within 15 days. Enclosed are all relevant documents. There are discrepancies in how the account details appear across different bureaus, which further supports this request.

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 2025-04-28 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: PA

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal 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 non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE
State: NH

Complaint narrative:
Reference previous complaint ID : XXXX Barclays Bank had been previously working with me actively as my credit card had an identity hold on the account. I worked with an executive account manager through the executive office, supplied all documentation required for them to verify my identity and unfreeze the account and was sent an official letter confirming and stating all required documentation had been received and reviewed and that the only last step needed to unfreeze the account was to make an outgoing call to my number per the official letter. I was then provided with their lowest level security team as their recommendation to complete the outbound verification call process and when I have reached out to this department they denied that any documentation had been received/reviewed and offered no explanation or timeline of when any documentation would be reviewed. Due to the neglect of the company not providing me with critical basic information from when this issue first occurred, the bank incorrectly placed my account in delinquency on my credit report, stating I was not making payments although due to no fault of my own as the consumer as the company refused to offer payment information for me to make on time payments. I was re assured my low level agents that my account would not be placed as delinquent and that my credit score would not be affected since the account was on hold due to the identity verification. I have spoke with numerous agents within the company and all have been inconsistent and misinformed of the matter and offered no further assistance playing the same card they were reviewing documentation but offered no timeframe. Working with the manager from the executive office I submitted the final documents required for verification and as stated in their official resolution letter that they had been received reviewed and approved. The company needs to review recorded calls about this case as there have been several illegal actions made by this company with no fault of my own. I am requesting a formal case be opened, my account to be placed back into good standing as I recently made a payment via check for {$500.00} which was received by the bank with proof of delivery and reversal of late payment reports as promised by previous agents that would not have happened thus them having proof of this since their calls are recorded and monitored. The actions of this bank have not only been unprofessional but leading toward the line of illegal activity against a consumer. I am requesting that this be addressed by the company as soon as possible before i have to take further actions against the company

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 2025-04-28 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$400.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/XXXX TransUnion

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Entries for late payments appear on my report that I believe to be inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report is required to contain only information that is accurate, complete, and verifiable. I am requesting that these late payment entries be verified, and if they can not be confirmed, that they be corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
Account XXXXXXXX XXXX XXXX XXXX XXXX  i ` m unaware of this debt and did not have the opportunity to dispute this account. if you believe you sent proper notification, please provide A CERTIFIED MAIL with receipt displaying my signature. if not please delete account # XXXX as soon as possible from my report or i will have to take legal action

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Andreu, Palma & Andreu, PL
State: FL

Complaint narrative:
XX/XX/XXXX - Requested XXXX items for debt validation : A copy of the original purchase agreement bearing the Defendants signature ; Documentation of insurance claims filed and/or paid in connection to the alleged debt. 

XX/XX/XXXX - Requested XXXX items for debt validation : A copy of the original purchase agreement bearing the Defendants signature ; Documentation of insurance claims filed and/or paid in connection to the alleged debt. 

XX/XX/XXXX - Requested XXXX items for debt validation : A copy of the original purchase agreement bearing the Defendants signature ; Documentation of insurance claims filed and/or paid in connection to the alleged debt. 

XX/XX/XXXX - Requested MOTION TO DISMISS FOR FAILURE TO VALIDATE DEBT PURSUANT TO 15 U.S.C. 1692g ( a ) AND ( b ) ; submitted XXXX XXXX COURT OF THE XXXX JUDICIAL CIRCUIT IN AND FOR XXXX XXXX, FLORIDA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-04-28 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: NJ

Complaint narrative:
Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer 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