vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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: CA

Complaint narrative:
I am submitting this complaint to initiate a thorough and lawful reinvestigation of multiple charge-off and collection accounts that are inaccurately reported on my TransUnion credit report. The disputed accounts include XXXX XXXX  ( account XXXXXXXX XXXX XXXX XXXX XXXX, charge-off dated XX/XX/XXXXXXXX  for {$600.00} ), XXXX  ( account XXXXXXXX XXXX XXXX XXXX XXXX, charge-off dated XX/XX/XXXXXXXX  for {$1100.00} ), XXXX ( account XXXXXXXX XXXX XXXX XXXX XXXX, charge-off dated XX/XX/XXXXXXXX  with a {$0.00} balance ), XXXX  ( account XXXXXXXX XXXX XXXX XXXX XXXX charge-off dated XX/XX/XXXX for {$1800.00} ), XXXX XXXX XXXX  ( account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX for {$760.00} ), XXXX ( account XXXXXXXX XXXX XXXX XXXX XXXX charge-off dated XX/XX/XXXX with a {$0.00} balance ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX for {$2300.00} ). Many of these accounts reflect a {$0.00} balance yet remain flagged as charge-offs, which is misleading and damaging. Some accounts appear duplicated or inconsistently reported by multiple furnishers. This pattern of inaccurate reporting strongly suggests that my personal and account information may have been compromised in a data breach, resulting in erroneous and conflicting entries. Under 15 U.S.C. 1681i ( a ), TransUnion is required to conduct a reasonable and complete reinvestigation of all disputed information, yet no valid documentation or verification has been provided to substantiate 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 non-monetary relief
Consumer complaint received 2025-05-20 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've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report.These remarks have been detrimental to my life and credit health.

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 2025-05-20 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: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report.These remarks have been detrimental to my life and credit health.

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 2025-05-20 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: CA

Complaint narrative:
I have a XXXX  XXXX card on my credit for {$480.00} out of XXXX. It says I made XXXX payments in 2024 but XXXX sure this is somebody elses account mixed with mine Im guessing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Braviant Holdings, LLC
State: OH

Complaint narrative:
( Application # XXXX ) originated on XX/XX/, in the amount of {$3000.00}. 

As of today, I have paid {$3500.00}, which exceeds the original principal. I borrowed {$3000.00} through a high-interest installment loan listed under XXXX XXXX XXXXXXXX XXXX XXXX XXXX  , but it is marketed, serviced, and controlled entirely by XXXX XXXX  ( XXXX XXXX XXXX XXXX ). The APR is 223.82 %, and I have already repaid more than the full principal, yet they continue to collect additional payments. 
The company claims the loan is governed by Utah law, but they are actively marketing, refinancing, and collecting loans in Ohio, where they are not registered to do business. Additionally, I have received multiple refinancing offers and payment reminders from Balance Creditnot the bankwhich shows that Balance Credit is the true lender.

Ohio caps interest rates on such loans under state usury laws. This appears to be a rent-a-bank scheme where a non-bank lender is using an Utah-based bank as a legal shield to circumvent state protections.

I have filed a complaint with the Ohio Attorney General ( Ref # XXXX XXXX I am requesting : Immediate cancellation of the balance ( already repaid principal ) No negative credit reporting. I am current on all payments and still paying.

A formal review of their lending and registration practices Balance Credit is also sending repeated solicitations to refinance, despite the contract being already exploitative and likely illegal under Ohio law. 
I have emailed them multiple times and tried calling. Every number, even the one for XXXX is actually XXXX XXXX XXXX number. 

There is case law to support my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: Affirm Holdings, Inc
State: NY

Complaint narrative:
Back in 2022 XXXX affirm account was open under my credentials, causing great financial distress to my credit report in my finances even though our complaint was made to XXXX on and to affirm they refused to remove this inaccuracy from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act the list of inquiries have violated my rights. 
15 u.s.c. section 502A states I have the right to privacy.

please delete inquiries below they are fraudulent and were not authorized by me. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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:
This child support account XXXXXXXX XXXX XXXX XXXX XXXX has been officially closed by the court. Additionally, you are reporting an inaccurate balance with TransUnion reporting {$4900.00} and both Experian and Equifax reporting {$9500.00}. Attached are copies of the letters I previously sent to XXXX and the XXXX of the Attorney General on XX/XX/year>. Following those submissions, XXXX removed the account, and the court confirmed that it does not publicly report child support information to the credit reporting agencies. Given this information and the actions already taken by other bureaus and entities, I am requesting that you promptly remove this account ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) from my credit report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute and update the personal information on my Equifax credit report. Please update my current address to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX, as verified by the attached copy of my ID and two proofs of address. The previously listed addressesXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXXare no longer valid or mailable and should be deleted from my file. I appreciate your prompt attention to correcting this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-20 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: GA

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-05-20 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: MI

Complaint narrative:
This report is being submitted to address inaccuracies on my credit report. Equifax has verified that a system malfunction caused my personal information to be leaked and subsequently used without my consent. I have faced denial of credit because of this, and I am requesting prompt resolution within four business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Please see below for a timeline of events that constitutes the mis-selling of a financial product ( High Yield Savings account ) by AMERICAN EXPRESS . They Company is unwilling to engage or prioritize/ resolve the matter in a timely manner.

XX/XX/year> I received an email from American Express detailing an offer to Earn a {$350.00} cash bonus after depositing {$25000.00} or more into a new American Express High Yield Savings Account ( email attached ). Also, of note in the email : New account must be opened by XX/XX/year>. Funds must be deposited within the first 30 days of account opening and maintained for 60 days. 

XX/XX/year> I received a confirmation email ( email attached ) that my High Yield Savings account was open, having also made a {$26000.00} deposit which remained in the account well beyond the 60 days of the offer ( statements attached ). 

XX/XX/year> Called American Express customer service to understand why I had not received the {$350.00} cash bonus and was told it would be investigated. 

XX/XX/year> Called American Express customer service again to understand the timeframe for the investigation and was told twice 15 Business Days ( e.g. XX/XX/year> ). 

XX/XX/year> Called American Express customer service as they had not responded to me, and was told they had not received feedback from their Non-fulfilment team. Apologized that I was told 15 Business Days on XX/XX/year> as there was no timeline they could commit to. I requested to close the account with funds expected to clear in up to 3 business days. 

From review of other public complaints filed, this does not seem to be an isolated incident. I am hoping you can assist, as American Express is unwilling to engage in an acceptable or timely manner. Thank you in advance for your review of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I was fraudulently induced into transferring {$9900.00} from my Wells Fargo checking account via debit card to my XXXX XXXX account, under the belief that I was protecting my funds from fraud. The caller spoofed Wells Fargos fraud department number and manipulated access to my account, including transferring {$2000.00} between my savings and checking to appear legitimate. 

I followed instructions believing I was communicating with Wells Fargo. After the transfer, I was locked out of XXXX XXXX and the funds were drained through unauthorized transactions. 

I reported the fraud to Wells Fargo the next business day ( XX/XX/year> ). They reversed the {$2000.00} transfer but denied the {$9900.00} within XXXX business day, and failed to issue a provisional credit, violating 12 C.F.R. 1005.11 ( c ).

I cited CFPB guidance FAQs # 5 and # 6, which explicitly state that fraudulently induced transactions are considered unauthorized under Regulation E, even if initiated by the consumer. Wells Fargo ignored this guidance.

I then pursued the matter in Utah small claims court. Despite presenting 15 exhibits, including CFPB guidance and federal law, the judge ruled against me by misapplying Regulation Efocusing only on who initiated the transaction, not whether it was authorized under deception.

I am now requesting enforcement review. The banks denial of my claim contradicts CFPB interpretation, and the court failed to apply federal law properly. I request that Wells Fargo be ordered to reimburse the {$9900.00} under Regulation E.

I previously filed CFPB complaints regarding this same incident, but both were marked closed after Wells Fargo issued a response. Since then, I pursued the matter in state court and obtained a ruling that failed to apply Regulation E in accordance with CFPB guidance. 

I am now escalating this based on new legal proceedings, new documentation, and a request for formal enforcement review and restitution.

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 2025-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
Velocity Investments , LLC and XXXX XXXX XXXX XXXX are attempting to collect on an alleged debt without a valid, signed contract or lawful consideration, violating 15 U.S.C. 1601 ( TILA ) and 15 U.S.C. 1692g ( FDCPA ). I served a notarized Affidavit of Truth and Demand for Arbitration via certified mail return receipt, which they ignored, constituting tacit acquiescence and administrative default. They are proceeding with legal action without rebutting sworn affidavits, violating my due process and trust rights. They are also reporting unverifiable information to credit bureaus in violation of FCRA 623 ( 15 U.S.C. 1681s-2 ). Their actions constitute fraud, identity theft, and abuse of process, using the copyrighted ALL CAPS name without consent. This is a willful and deceptive attempt to enforce an unverified claim.

Company response to consumer: Closed with explanation