vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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:
TransUnion reported false and inaccurate information in my credit file. After filing disputes and escalating the matter, TransUnion deleted the itemsconfirming they were unverifiable, inaccurate, and harmful. This deletion demonstrates that the information was false at the time it was originally reported. TransUnion has refused to supply audit logs, evidence of verification, or compensation for the harm caused. I am seeking a full investigation and corrective action. 

TransUnion is hereby notified that failure to cure and compensate the damages outlined in my invoice within 10 days will result in a federal lawsuit being filed against you in the U.S. XXXX XXXX for the XXXX XXXX of California. 
You will be sued for : FCRA 1681e ( b ) violations FCRA 1681i violations Willful noncompliance ( 1681n ) Negligent noncompliance ( 1681o ) Actual, statutory, and punitive damages AFFIDAVIT OF FACTS TRANSUNION AFFIDAVIT OF FACTS I, XXXX XXXX XXXX XXXX, declare : TransUnion reported false and inaccurate information about me. 


I disputed the information using proper FCRA procedures. 


After filing a regulatory complaint, TransUnion deleted the tradeline ( XXXX ). 


This deletion proves the information was false, inaccurate, unverified, and harmful. 


I suffered credit denials, financial loss, emotional distress, and reputational harm. 


All statements herein are true and correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: AZ

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately Bankruptcy Chapter XXXX Docket identifier XXXX | Bankruptcy Chapter XXXX Docket identifier XXXX | Bankruptcy Chapter XXXX Docket identifier 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately Bankruptcy Chapter XXXX Docket identifier XXXX | Bankruptcy Chapter XXXX Docket identifier XXXX | Bankruptcy Chapter XXXX Docket identifier 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: TN

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 2025-12-02 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 no knowledge of these inquiries, and they seem to be both unauthorized and potentially fraudulent. I kindly request swift action to address this issue. Supporting documents are attached for your reference.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: FL

Complaint narrative:
I just spoke with XXXX at ( XXXX ) XXXX regarding Cash App account ( s ), and asked that all accounts associate with my personal information to be canceled and closed. Due to fraudulent behavior in the past, I'm not interested in using or having any accounts with Cash App. I have given the customer support team all of my personal information and I am being told that my information doesn't match. In which, leaves me too think there's more fraudulent behavior going on and I am not satisfied with doing any banking or business with this institution ( CASH APP ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: WA

Complaint narrative:
I contacted company by mail XXXX XXXX. No reply. I asked for proof of the following Chain of assignment Forward flow agreement Purchase agreement from original creditor NCB management services did not respond. The amount is {$3300.00} and original creditor was XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: OH

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: TX

Complaint narrative:
The information displayed provides an incomplete and inaccurate account of my financial behavior. I respectfully ask for a review and correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: NJ

Complaint narrative:
y report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: AK

Complaint narrative:
Issue : Wells Fargo denied my fraud claim related to an unauthorized XXXX transfer. 

Timeline of Events XX/XX/year> : Received communication from scammers claiming I was approved for a loan. Believing it was legitimate, I sent money via the XXXX app to a recipient in the XXXX. 

XX/XX/year> : Reported the unauthorized transfer to Wells Fargo immediately via call. 

XX/XX/year> : Wells Fargo denied my claim during the initial investigation. I was not asked for any documentation or evidence. 

XX/XX/year> : Escalated to Wells Fargo Board Communications. 

XX/XX/year> : Claim denied again, without a full review or proper investigation. They did not ask for any documentations. 

Description of the Issue I was the victim of a loan scam in the XXXX. The scammers convinced me that I had been approved for a loan and that I needed to send money in order to receive the funds. Under this false belief, I sent money through the XXXX app. I did not knowingly authorize this transfer, and it was entirely fraudulent. 

Despite reporting this fraud promptly, Wells Fargo denied my claim without requesting any supporting documentation or evidence. The decision appears to have been based solely on the initial phone call. I was not asked for screenshots, messages, or other proof of the scam. 

I escalated the claim to executive management and then to Board Communications, and it was denied at every level, again without requesting any documentation or conducting a proper investigation. 

Wells Fargo has not provided : Investigation logs or internal notes Device or IP address information Authorization records Fraud analysis data Any evidence supporting the denial Request for Relief

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: GA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Balance {$750.00} Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX Pay Status >Charge-off< Terms Paid Monthly Date Closed XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Account Information Address XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type FACTORING COMPANY ACCOUNT Balance {$250.00} Date Updated XX/XX/XXXX High Balance {$250.00} Original Creditor XXXX XXXX NA Past Due {$250.00} XXXX XXXX XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Balance {$1500.00} Date Updated XX/XX/XXXX High Balance {$1400.00} Original Creditor XXXX XXXX XXXX  Past Due

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: BTH Management
State: FL

Complaint narrative:
To Whom It May Concern, I am filing a complaint regarding Plaza Services, a debt collector that appears to be engaging in unauthorized and potentially illegal activity. 

I received a letter from this company containing only a checkmark-style disclosure. The letter included XXXX XXXX  no debt validation, no explanation of the alleged debt, and no information on why they contacted me * *. It was effectively blank, with no legitimate documentation. 

I have * * never had any business relationship with this company * * and have * * never authorized them to use, share, or sell my personal information * *. This unsolicited contact constitutes a serious misuse of my personal data and may represent an attempt at identity theft or fraudulent debt collection. 

I am requesting that the CFPB * * investigate this company immediately * * to determine if they are engaging in illegal debt collection practices and unauthorized use of consumer information. I have attached a copy of the letter for reference. 

Thank you for your prompt attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: TN

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-12-02 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: VA

Complaint narrative:
I found incorrect details in my personal profile, including outdated or unfamiliar names, addresses, phone numbers, and employment history. Some of this information is not associated with me, and these inaccuracies could lead to misidentification or confusion with others.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my personal information. I am requesting a full investigation and prompt correction of these errors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am filing a complaint against Portfolio Recovery Associates because they are reporting a collection account on my credit report without providing any proper validation. I requested full verification of the debt, including the original contract with my signature, an itemized account history, and proof that they own or were assigned the debt. They did not provide any of this information.

Despite failing to validate the debt, they continue reporting it as an active collection and updated the account as recently as XX/XX/year>. This is inaccurate and violates both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I am requesting that the CFPB require Portfolio Recovery Associates to provide complete validation or remove the account from all credit reporting agencies.

I am filing a complaint against XXXX XXXX XXXX because they are reporting a collection account that is not properly validated. I requested verification of the debt, including documents showing the original creditor, the amount owed, and proof that the debt belongs to me. They did not provide any documentation to support their claim. 

XXXX  is continuing to report the collection account as open, even though they have failed to validate the debt as required by the Fair Debt Collection Practices Act ( FDCPA ). Reporting a debt without providing verification is inaccurate and a violation of the Fair Credit Reporting Act ( FCRA ). I am requesting that the CFPB review this matter and require XXXX  to either validate the debt with proper documentation or remove the account entirely from my credit report.

Company response to consumer: Closed with explanation