vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 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: LA

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602, 609, and 611. TransUnion is reporting inaccurate, incomplete, and unverifiable information that fails to meet METRO 2 compliance standards. Under Section 611, unverifiable data must be promptly deleted. Furthermore, TransUnion was involved in a major data breach, making the accuracy of its reported data questionable. I am demanding an immediate investigation and deletion of all unverifiable information within four ( 4 ) days as required by law.

1. I was never late on the payment and here i can see multiple late payment being reported. 
XXXX Account Number : XXXX Please correct/update this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: OR

Complaint narrative:
I am filing this complaint because I was the victim of a serious scam and impersonation of law enforcement that led to a coerced transaction using XXXX XXXX linked to my Wells Fargo debit card. 

On XX/XX/XXXX, I received a call from someone claiming to be a federal agent who said I was under investigation and needed to cooperate to avoid arrest. The caller provided what appeared to be official documentation and referenced real agency names. Under pressure and fear, I was coerced into sending a payment through XXXX XXXX, which was connected to my Wells Fargo debit card. The total was {$1000.00}. 

Within less than a minute, I realized I had been scammed and immediately attempted to cancel the transaction through XXXX XXXX and Wells Fargo. XXXX XXXX confirmed that because the transaction was processed instantly, it could not be canceled from their end, and they referred me to Wells Fargo. 

I filed a fraud claim with Wells Fargo under claim reference # XXXX, explaining that this was a case of extortion and impersonation of law enforcement, not an authorized transaction. Despite clear evidence that the payment was made under duress and that I acted immediately to stop it, Wells Fargo denied my claim, stating the transaction was authorized and that there was no processing error. This statement is false and misrepresents the circumstances. 

Wells Fargo also stated that I did not revoke authorization or cancel the payment in a timely manner, which is incorrect. I contacted them immediately, provided all details, and followed every instruction to dispute the charge. I was later informed that the case could not be reopened, leaving me with no further recourse through their process. I also filed a police report and provided Wells Fargo with that information. 

This situation has caused severe stress and financial loss. I am requesting that the CFPB review Wells Fargos handling of this case, as they failed to properly investigate and acknowledge that this transaction was unauthorized and coerced, meeting the definition of fraud under Regulation E.

I respectfully request that my case be reopened and that Wells Fargo be required to reimburse the disputed amount and provide documentation of their investigation as required by law. I also have the alleged arrest warrant provided by the individuals impersonating police officers.

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 2025-11-27 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: IN

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 
I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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:
Subject : Fraudulent Accounts Request for Block under FCRA Section 605B To Whom It May Concern, I am writing to formally dispute and request the removal of fraudulent accounts that have been reported on my credit file, in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ). These accounts are the result of identity theft and do not belong to me.

The accounts in question are as follows : 1. 1.Account name : XXXX  Account balance : {$0.00} Date opened : XX/XX/XXXX Account Number : XXXX 2. Account name : XXXX XXXX Account balance : {$0.00} Date opened : XX/XX/XXXX Account Number : XXXX 1. Account name : XXXX XXXX 2. Account balance : {$170.00} Date opened : XX/XX/XXXX Account Number : XXXX 4. Account name : XXXX 5. Account balance : {$5800.00} Date opened : XX/XX/XXXX Account Number : XXXX I have never opened or authorized these accounts and believe they were opened using my personal information without my knowledge or consent. Under FCRA 605B, I am requesting that these accounts be blocked from my credit report within the legally mandated timeframe.

As required by law, I am including the following documents to support my claim : 1. A copy of a valid government-issued photo ID 2. A copy of a utility bill or other proof of address 3. FTC Identity Theft Report ( if applicable ) 4. A written statement asserting that these accounts are the result of identity theft Please investigate this matter and provide written confirmation that the fraudulent accounts have been removed or blocked from my credit file. This letter also serves as a formal request under the FCRA that you do not reinsert the fraudulent information unless you complete the reinvestigation and notify me in writing as required by law. And please upload a file of my credit report through the cfpb portal.

I appreciate your prompt attention to this matter and expect a resolution within the timeframe required under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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:
Subject : Fraudulent Accounts Request for Block under FCRA Section 605B To Whom It May Concern, I am writing to formally dispute and request the removal of fraudulent accounts that have been reported on my credit file, in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ). These accounts are the result of identity theft and do not belong to me.

The accounts in question are as follows : 1. 1.Account name : XXXX  Account balance : {$0.00} Date opened : XX/XX/XXXX Account Number : XXXX 2. Account name : XXXX XXXX Account balance : {$0.00} Date opened : XX/XX/XXXX Account Number : XXXX 1. Account name : XXXX XXXX 2. Account balance : {$170.00} Date opened : XX/XX/XXXX Account Number : XXXX 4. Account name : XXXX 5. Account balance : {$5800.00} Date opened : XX/XX/XXXX Account Number : XXXX I have never opened or authorized these accounts and believe they were opened using my personal information without my knowledge or consent. Under FCRA 605B, I am requesting that these accounts be blocked from my credit report within the legally mandated timeframe.

As required by law, I am including the following documents to support my claim : 1. A copy of a valid government-issued photo ID 2. A copy of a utility bill or other proof of address 3. FTC Identity Theft Report ( if applicable ) 4. A written statement asserting that these accounts are the result of identity theft Please investigate this matter and provide written confirmation that the fraudulent accounts have been removed or blocked from my credit file. This letter also serves as a formal request under the FCRA that you do not reinsert the fraudulent information unless you complete the reinvestigation and notify me in writing as required by law. And please upload a file of my credit report through the cfpb portal.

I appreciate your prompt attention to this matter and expect a resolution within the timeframe required under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
XXXX'the moneylion company was get 2 transaction of XXXX  usd worth of XXXX  usd  on my bank account and XXXX  usd without my authorization and its not appeared on my moneylion account fundXXXX usd XXXX XXXX XXXX usd  XXXX XXXX XXXX  usd XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: NV

Complaint narrative:
I am filing this complaint because Experian reinserted previously deleted accounts on my credit report without providing the mandatory reinsertion notice required under the Fair Credit Reporting Act ( FCRA ), and because Experian failed to respond to my repeated written requests for furnisher certification. 

On XX/XX/XXXX, Experian notified me that the disputed accounts had been deleted. However, later that same day, XX/XX/XXXX, Experian reinserted the same information back into my credit file without providing the required reinsertion notice. 

Under FCRA 611 ( a ) ( 5 ) ( B ) ( ii ), a credit reporting agency must notify the consumer within 5 business days of reinserting previously deleted information. This notice must include : 1. That the item was reinserted 2. The name, address, and phone number of the furnisher 3. A statement of my right to dispute the information again Experian did not provide any reinsertion notice at allnot by mail, email, or electronically. I was never informed that the items had been placed back on my report. 

Additionally, under FCRA 611 ( a ) ( 5 ) ( B ) ( i ), Experian is required to obtain furnisher certification confirming the accuracy of any information before reinserting it. I sent Experian multiple written requests asking them to provide the furnisher certification they relied on ( if any ). Experian never responded to any of these requests, which further suggests the reinsertion did not follow federal law. 

The timeline is clear : XX/XX/XXXX ( initial notice ) : Experian told me the accounts were deleted. 
XX/XX/XXXX ( same day ) : Experian reinserted those accounts. 
No reinsertion notice was provided to me. 
I sent multiple furnisher certification requests, and Experian did not respond to any of them. 

This is a clear violation of FCRA reinsertion requirements. 

I am requesting that the CFPB require Experian to : Immediately remove all reinserted accounts that were added without proper notice Provide documentation showing furnisher certification ( if it exists ) Explain why no reinsertion notice was sent Confirm Experian will follow FCRA reinsertion procedures going forward Experians failure to notify me, combined with their refusal to provide furnisher certification despite multiple requests, has caused me credit harm, confusion, and prevented me from properly disputing or verifying the information. 

I am requesting the CFPBs assistance in enforcing Experians compliance with the FCRA.

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 2025-11-27 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: MD

Complaint narrative:
Dear Sir/Madam, I am a consumer who is actively working to fix my credit. I am filing this complaint to dispute the following items on my credit report. The accounts listed below have discrepancies that I believe need to be addressed and corrected. 

CHARGED OFF XXXX XXXX : XXXX, XX/XX/XXXX, {$2200.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$12000.00} XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX  XXXX XXXX, XX/XX/XXXX, {$3200.00} INQUIRIES XXXX XXXX XXXXXX/XX/XXXX LATE PAYMENT 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 2025-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
AMEX XXXX AMOUNT WAS $ XXXX NEVER RECEIVED THE SERVICE BUT THEY CHARGED ME ALSO I WANT TO DISPUTE AND REMOVED FROM MY ACCOUNT AS SOON AS POSSIBLE.ITS FRAUD CHARGES

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: GA

Complaint narrative:
Dear Sir/Madam, I am writing to file a dispute regarding inaccurate information on my credit report with the following credit bureaus : Experian ( EX ), The details of the accounts I am disputing are listed below. 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$47000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$570.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} Inquiries : XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Date : 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 2025-11-27 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: GA

Complaint narrative:
This account, originally issued by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, was subsequently sold to another party. XXXX no longer owns this debt, yet Equifax continues to report it as past due and in collection status. 

I sent a TILA 1641 ( f ) ( 2 ) demand letter to XXXX on XX/XX/XXXX, requesting the identity of the current owner/assignee, with a 15-day statutory response deadline. The letter was delivered XX/XX/XXXX. XXXX failed to provide the required ownership information, confirming they no longer hold this account. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ), 1681s-2 ( b ) ) and the Truth in Lending Act ( 15 U.S.C. 1641 ( f ) ( 2 ) ), credit reporting agencies are legally required to ensure the accuracy of the information they report. Reporting an account that a furnisher no longer owns constitutes a willful misrepresentation and is an unlawful derogatory reporting.

I demand immediate removal of this account from my credit report, as Equifax has no legal basis to continue reporting it. Any delay or failure to remove this item may constitute a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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:
I am writing to formally dispute the following accounts that I believe contain inaccuracies or discrepancies, in violation of the Fair Credit Reporting Act ( FCRA ). The details of the accounts in dispute are as follows : Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$2100.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$2200.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$170.00} Inquiries : None listed. 

Positive Accounts : None listed. 

Late Payments : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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:
I am reviewing my credit report from TransUnion and noticed discrepancies regarding the charged-off accounts and inquiries. I request that TransUnion investigate these items thoroughly, and if any of these items can not be verified, they should be removed from my credit report as per the Fair Credit Reporting Act ( FCRA ). 

Charged Off : XXXX, Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$6700.00} XXXX XXXX, Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$120.00} XXXX Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$100.00} Inquiries : XXXX, Date : XX/XX/XXXX Late Payments : XXXX XXXX, Account No : XXXX XXXX XXXX, Account No : XXXX XXXX XXXX Account No : XXXX XXXX XXXX, Account No : 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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( 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