vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 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: SC

Complaint narrative:
I am disputing multiple unauthorized inquiries that have appeared on my credit report. These inquiries were not initiated or authorized by me, nor did I provide consent to the companies involved to access my credit file. Under the Fair Credit Reporting Act ( FCRA ) Section 604 ( a ) ( 3 ), a permissible purpose must exist for a credit inquiry, such as a credit application, employment verification, insurance underwriting, or other legally defined reason. Since I did not apply for credit, authorize, or initiate these transactions, these inquiries are unlawful.

These unauthorized inquiries have caused harm by negatively impacting my creditworthiness and creating misleading information on my credit report. They are also a violation of my rights as outlined in FCRA Section 604 ( 15 U.S.C. 1681b ), which restricts access to consumer reports only to those with a permissible purpose.

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 2025-09-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing the fraudulent accounts currently listed on my credit report. I did not authorize or open these accounts, and their inclusion is entirely inaccurate. These entries misrepresent my financial history and have caused significant harm to my credit standing and reputation.

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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-09-18 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing in response to a received on regarding an alleged debt XXXX XXXX XXXX XXXX XXXX you claim I owe. Please be advised that I am requesting validation of this debt, as is my right under the Fair Debt CREDIT CARD Practices Act, 15 U.S.C. 1692g. Pursuant to this law, I respectfully request that you provide the following information : 1. The name and address of the original creditor. 2. A detailed statement of the alleged debt, including the amount and how it was calculated. 3. A copy of the original signed debt collection agreement or contract. 4. Proof that you are legally authorized to collect this debt. XXXX. A full accounting of payments, interest, fees, and charges applied to the alleged balance. XXXX. A copy of the judgment ( if any ) or other documents proving your legal right to collect this debt. Until you provide proper validation, I am requesting that all collection activity cease, including any reporting to the credit bureaus. If this debt is being reported to any credit reporting agency, be advised that failure to validate may constitute a violation of the Fair Credit Reporting Act ( FCRA ), and I will take appropriate steps to dispute the entry. This letter is sent in good faith and for the purpose of resolving any errors or misidentifications. Please respond to this request within 30 days from your receipt of this letter. regarding an alleged debt you claim I owe. Please be advised that this is not a refusal to pay, but a request for validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Pursuant to my rights under the FDCPA, I request that you provide the following information : 1. The name and address of the original creditor 2. The amount of the alleged debt, including a breakdown of all fees and interest 3. A copy of the original agreement or contract bearing my signature look the same on my Id XXXX. Proof that you are authorized to collect this debt XXXX. A complete payment history, starting with the original creditor While awaiting verification, please : * Cease all collection activities, including phone calls, letters, or reporting to credit bureaus. * Do not contact me at my place of employment. * Do not contact any third parties about this debt. If you can not provide the requested verification, you must stop all collection efforts and remove any related information from my credit reports. Please respond to this request in writing. I recommend all future communication be done via mail only. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: MO

Complaint narrative:
I am filing this complaint because all three credit bureaus, XXXX, Experian, and XXXX, are reporting an account as a charge-off in a way that is inaccurate, misleading, and non-compliant with the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). 

The account is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> {$590.00} The way this account is being reported creates multiple problems. First, the balance being shown does not match my records and has not been properly validated. Second, the continued reporting of this account as a charge-off despite the relatively small balance creates a misleading picture of my creditworthiness. Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must ensure maximum possible accuracy. Listing an account as a charge-off without complete and verifiable documentation fails this standard.

Additionally, under 15 U.S.C. 1681i, once I dispute an account, the bureaus are legally required to conduct a reasonable reinvestigation. A reasonable reinvestigation requires more than simply contacting the furnisher and accepting their word. It requires reviewing original account-level documentation, billing records, or other supporting evidence that the account was legitimately charged off in the manner reported. To date, none of the bureaus have provided such documentation, and the account continues to be marked verified without explanation. 

This inaccurate reporting has caused me financial harm, including denials of new credit, higher interest rates on existing credit, and emotional stress from being unfairly portrayed as someone who defaults on obligations. The damage is compounded by the fact that this is the only account of its kind on my file, making it disproportionately damaging to my overall creditworthiness.

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 2025-09-18 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-18 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am a victim of identity theft. My credit report shows fraudulent accounts and inquiries that I did not authorize, including XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX as well as inquiries from XXXX XXXX and XXXX XXXX XXXX XXXX These negative items do not belong to me and are harming my credit profile.

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 2025-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/year>, XXXX came to the XXXX XXXX XXXX XXXX ( HCSO ) Criminal Investigations Division ( CID ) to file a police report in reference to fraud that occurred on XX/XX/year>. 



XXXX advised that he received a phone call from someone impersonating a Wells Fargo employee. During this conversation, the individual gained access to his Wells Fargo account, although XXXX never provided them any login information to his online account. The individual performed a cash advance from his credit card account to his banking account, but was told that he was moving his own money so that it could be withdrawn to protect him from being scammed due to a dirty employee. 



XXXX was instructed to withdraw the money and then deposit the money via ATM to another card in his name so his money would be safe. 



XXXX did not realize until later that he had been scammed. 



XXXX provided me with a screenshot of the debit card ending in XXXX, which showed as a Wells Fargo digital debit card. The screenshot will be attached to this information request. XXXX also provided me with an ATM receipt from where he deposited the money. The deposit slip showed the money went to an account with a customer card ending in XXXX, and had a checking account number listed that displayed XXXX. A copy of these receipts will be attached to the information request as well. The XXXX receipts shown add up to {$1400.00}, although XXXX deposited a total of {$16000.00} during this incident. 



During this investigation, I requested XXXX banking documents. I reviewed his login information provided to me by Wells Fargo. I noted that during the incident, there were XXXX IP addresses utilized. The XXXX address that was used by XXXX was XXXX, which was a mobile IP address. The other IP address utilized was a static IP address, XXXX. I checked the IP address through Cell Hawk, which showed as a XXXX XXXX XXXX XXXX address, indicating that XXXX did not make the cash advances and was indeed scammed. 

NEW INFORMATION : THE IP ADDRESSES SHOW THAT ON XX/XX/XXXX MY USERNAME, PASSWORD, AND EMAIL ADDRESS WAS CHANGED BY THE FRAUDSTER. THIS IS THE DEFINITON OF FRAUD. ALSO, THE OFFICER CALLED THE PHONE NUMBER ATTACHED TO THE FRAUDSTER 'S ACCOUNT AND THE FRAUDSTER ADMITTED TO THE CRIME. 
HOW CAN WELLS FARGO REFUSE TO RETURN MY {$16000.00} WELLS FARGO FAILURE TO RETURN MY MONEY BEING A VICTIM OF THEIR LACK OF SECURITY HAS CAUSED 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 2025-09-18 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: NY

Complaint narrative:
TransUnion is reporting two collection accounts furnished by XXXX XXXX XXXX. I disputed these tradelines, but TransUnion verified them as accurate without requiring validation of the debt or proof that XXXX XXXX has legal authority to collect in my state. 

XXXX XXXX does not hold a debt collection license in my state. Furnishing and maintaining these accounts violates both the FCRA and FDCPA, and TransUnion has an obligation to protect consumers from illegal reporting.

Violations : 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation of my dispute.

15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy of the information reported.

15 U.S.C. 1681s-2 ( b ) : TransUnion continued reporting despite the furnishers lack of licensing and failure to validate the debt.

Additionally, the accounts are reported as Collections ( Status Code 93 ) in the Metro 2 format. This reporting is inaccurate and misleading without proper validation or legal authorization to collect.

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 2025-09-18 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: VA

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-09-18 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: CT

Complaint narrative:
TransUnion is willfully and negligently reporting XXXX XXXX XXXX XXXX XXXX on my consumer credit file without proper verification or permissible purpose. This tradeline is inaccurate, unvalidated, and reported in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and the Fair Debt Collection Practices Act ( FDCPA ). 

Failure to Ensure Accuracy FCRA 607 ( b ) TransUnion has published a tradeline for XXXX XXXX XXXX that contains unverifiable ownership of the alleged debt. 

Improper Furnishing Without Permissible Purpose FCRA 604, 15 U.S.C. 1681b Case law ( e.g., Wilson v. TransUnion, LLC, 1:23-cv-00131 ) has shown TransUnion repeatedly furnishes consumer reports without permissible purpose wilson-v-transunion-llc-amended. Similarly, XXXX has no enforceable or legal right to access or report on my consumer file. 

Failure to Remove Inaccurate Tradeline FCRA 607 ( b ), 611 ( a ) Despite disputes and demands, TransUnion continues to maintain this erroneous collection account. This is reckless and shows a systemic failure to follow reasonable procedures to ensure maximum possible accuracy.

Violation of Cease Collection Protections FDCPA 805 ( c ) By continuing to allow XXXX to report and appear on my credit file after disputes and cease requests, TransUnion enables ongoing collection activity without proper validation.

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 2025-09-18 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-09-18 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: SC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

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