vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 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:
Complaint narrative ( paste into What happened? ) I am reporting ongoing non-compliance with the Fair Credit Reporting Act ( FCRA ) by this credit reporting agency regarding ( 1 ) identity-theft handling, ( 2 ) reinvestigation duties, and ( 3 ) accuracy of a public record.

Statutes at issue : 605B ( blocking identity-theft information ) 611 ( reasonable reinvestigation ; timely results ; Method of Verification ) 607 ( b ) ( maximum possible accuracy ) Background & prior steps : I submitted multiple disputes with documentation, including an FTC Identity Theft Report and police report. Despite this, the agency failed to block identity-theft information within the required timeframe, did not complete a lawful reinvestigation, and did not provide a Method of Verification ( MOV ) explaining the exact source ( s ) and documents used. I also requested correction of personal-information elements ( removal of unauthorized addresses/phone numbers, suppression of sensitive data ) with no adequate response. 

Public record inaccuracies ( XXXX XXXXDismissed ) : Across the three XXXX CRAs, the same bankruptcy public record is reported inconsistently : Filed/Reported date conflicts ( two bureaus report XX/XX/scrub>/2020 ; another reports XX/XX/year>2020 ). 

Reference numbers differ ( e.g., XXXX vs XXXX vs a lXXXX XXXX XXXX XXXX 

Closing date missing on one bureau, even though others show XX/XX/year> and the status is Dismissed. 

Court identification varies ( XXXX Bankruptcy XXXX, XXXX XXXX XXXX GA XXXX, XXXX ) instead of a uniform, accurate court name. 

These discrepancies show the record is incomplete/misleading and not maintained with maximum possible accuracy. If a third-party vendor was used, the agency has not disclosed the original court source, vendor name/ID, or the documents actually reviewed. 

Identity-theft handling : I reported fraud and requested blocking under 605B. More than four business days elapsed with no block placed, no adequate status update, and no explanation of verification steps.

Unlawful reinsertions : Items previously removed have reappeared without the required 5-day notice and without proof of proper verification, violating 611 ( a ) ( 5 ) ( B ).

Harm : These failures have caused reputational damage, credit denials/less favorable terms, and ongoing time and expense to correct my file.

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 2025-08-25 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: Experian Information Solutions Inc.
State: TX

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 2025-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Complaint Title : Wells Fargo Transfer Reversal Resulting in Financial Harm and Request for Full Account Closure Description : I attempted to transfer {$31.00} from my Wells Fargo account to XXXX XXXX. After a {$10.00} charge posted, Wells Fargo reversed the transfer, causing my XXXX XXXX  account to go negative by {$64.00}. Wells Fargo representatives misunderstood my explanation, refused to provide a case number, and did not escalate the issue. 
Impact : The reversal caused my XXXX XXXX  account to go negative {$64.00}. 

Temporary negative balances and poor communication caused financial harm and XXXX. 

Current Wells Fargo balance : {$20.00}. 


Requested Resolution : 1. Immediate issuance of a single check for {$84.00}, representing the {$64.00} lost at XXXX XXXX  and the {$20.00} remaining in Wells Fargo. 


2. Closure of my Wells Fargo account upon completion of the above.

3. Written explanation and documentation of the reversal and investigation.

Timeline ( brief ) : Original Wells Fargo balance : {$31.00} {$10.00} charge posted ( company I instructed to stop ) {$31.00} transfer attempted credited to XXXX XXXX  Wells Fargo reversed transfer flagged as suspicious by XXXX XXXX  Negative balance email from Wells Fargo sent 3 days ago Attachments : Screenshots of transfer approvals, account statements showing credited and reversed amounts, negative balance notices, and call notes with representatives.

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 2025-08-25 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: FL

Complaint narrative:
After reviewing my credit report, I found inaccurate, fraudulent accounts that do not belong to me. Please remove this account from my credit report immediately. This fraudulent account is not reporting with the other XXXX  credit bureaus as it 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 non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I am filing a complaint regarding PayPals failure to allow me to withdraw funds from my account to my linked bank account. 

Since Saturday, XX/XX/year>2025 every attempt I have made to transfer funds results in an error message. I contacted PayPals customer service multiple times, but I was only told that the company is working on it and that no timeframe for resolution is available. Representatives also acknowledged that I am not the only customer experiencing this issue. 

This situation is unacceptable, as it restricts my access to my own funds. Based on information available online, it appears that other PayPal customers are also reporting similar problems with delayed or blocked withdrawals. This suggests that the issue may be systemic rather than isolated.

I am requesting that this matter be investigated promptly to ensure that PayPal : 1. Resolves the technical issue preventing withdrawals.

2. Provides customers with a clear timeline and explanation.

3. Ensures that account holders are not unfairly restricted from accessing their money.

Thank you for your attention to this matter. Please do not hesitate to contact me if additional information or documentation is required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: VA

Complaint narrative:
For the last year I have disputed these fraudulent accounts opened in my name without my knowledge. I have spoken to over 25 Experian Representative to rectify the situation and I am being told, that the accounts have been removed and blocked, but they continue to report on my credit file. I AM A VICTIM OF A DATA BREACH WITH XXXX  AND THIS BREACH HAS BEEN AN ONGOING problem. I HAVE YET TO RESOLVE A YEAR LATER. I HAVE SENT IN ALL REQUIRED documentation, DL ( identify WHO I AM ), UTILITY BILL ( STATING MY ADDRESS/PLACE OF RESIDENCE, FTC REPORT ( ALL RELATED THEFT ACCOUNTS LISTED ), AND NOTICE TO FURMISHER XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$790.00} written off. 
XXXX  XXXX Under dispute Date opened XX/XX/XXXX Balance {$420.00} Status Closed. {$140.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  XXXX  Under dispute Date opened XX/XX/XXXX Balance {$2200.00} Status Account charged off. {$3200.00} written off. {$2200.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$520.00} Status Collection account. {$520.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$730.00} Status Collection account. {$730.00} past due as of XX/XX/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 2025-08-25 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have encountered difficulties accessing my Experian Credit Bureau AND Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

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 2025-08-25 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
Hello, I would like to file a complaint regarding the company or entity managing my credit score. My score recently dropped by about XXXX points, which has significantly affected me in many ways. Previously, my score was in the fair range, but this drastic drop is incorrect. 

Through XXXX XXXX credit monitoring, I noticed that my report shows a delinquency with XXXXXXXX XXXX  XXXX. However, I have receipts proving that I already paid off my student loan. I settled my debt with XXXX XXXX under an agreed settlement and was assured it would not negatively affect my credit once paid in full. I completed this payment in XX/XX/year>, yet by XXXX, the delinquency still appeared. 

I have already reached out to XXXX  and submitted a claim. Although my score increased by XXXX points afterward, it still does not make sense considering the XXXX drop caused by this incorrect delinquency. 

I can provide proof of payment, and I respectfully request that you review and revise my credit report so that it accurately reflects my payment history. 

Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent account on my report. Please remove these accounts from my report, they are hurting 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 explanation
Consumer complaint received 2025-08-25 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: CA

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

1681c2 ) that you, the Experian 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 : INQUIRIES : 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 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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, 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 2025-08-25 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have encountered difficulties accessing my Experian Credit Bureau AND Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is violating the law by refusing to investigate my disputes. Instead of addressing my disputes they closed all of them and stated Potential fraud STATUS Company responded there may be potential fraud involved on XX/XX/year> We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud.

I have not been a victim to any fraud and Experian is only stating this to delay responding to my disputes. The CFPB should step in and force the entity to address each of my 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 2025-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently discovered that Ive been a victim of identity theft when I was denied credit. This has been very shocking on getting debited from some accounts thats not mine.

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 2025-08-25 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: SC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-25 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: SC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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