vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 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: GA

Complaint narrative:
Ive been disputing multiple inaccurate and unverifiable items on my credit report with TransUnion for several months. Despite sending several written disputes and providing documentation, they continue to report dismissed bankruptcies and unverifiable accounts. 

My disputes were sent in XXXX, XXXX, and XX/XX/year>. TransUnion responded late on XX/XX/year> past the legal XXXXday deadline and simply marked the items as verified or updated without providing proof or documentation.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), TransUnion is required to conduct a reasonable reinvestigation and provide the method of verification. They have repeatedly failed to do so. 

The items that remain inaccurately reported or unverifiable include : XXXX XXXXXXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX Bankruptcy Dockets # XXXX and # XXXX he bankruptcy court. They are in clear violation of FCRA 611 and 607 ( b ). 

I originally started disputing these accounts in XX/XX/year>, and TransUnion responded with partial deletions in XXXX. Unfortunately, I no longer have copies of those first letters, but subsequent disputes and investigation results from XXXX and XX/XX/year> clearly show the continued pattern of failure to reinvestigate and late responses.

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 2025-10-08 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: TX

Complaint narrative:
Per 15 U.S. Code 1681g, take action to delete the disputed accounts without 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 non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/year> To : Wells Fargo Consumer Finance Department Subject : Request for Reversal of Three {$35.00} Overdraft Fees Due to Hardship and Transaction Error Dear Wells Fargo Consumer Finance Team, I am writing to formally dispute and request the reversal of three overdraft fees of {$35.00} each ( totaling {$100.00} ) that were recently charged to my Wells Fargo account.

One of these charges was connected to a XXXX XXXX transaction that should not have triggered an overdraft fee, as the money was already withdrawn from my account to complete the payment. This resulted in duplicate deductions and two additional fees that followed. I believe these fees were assessed in error and request that they be reversed. 

While I understand overdraft fees are part of the account policy, these particular charges are excessive and disproportionate, especially considering the initial overdraft amount was under {$10.00}. Furthermore, I have not incurred any overdraft or fee-related issues for nearly a year, demonstrating my consistent account management and good standing. 

I am currently unemployed and going through a custody battle, and these unexpected charges have caused significant financial strain during an already difficult time. The situation feels both discouraging and unfair given my history of responsible account use. 

I respectfully request that Wells Fargo : 1. Reverse all three {$35.00} overdraft fees ( {$100.00} total ) ; 2. Review the XXXX XXXX transaction for duplication or error ; and 3. Provide written confirmation once the adjustments are made.

I value my long-standing relationship with Wells Fargo and trust that this request will be handled with fairness and empathy. I truly hope this matter can be resolved promptly so that I can stabilize my finances and continue banking with confidence. 

Thank you for your time, understanding, and swift attention to this matter. Please contact me at ( XXXX ) XXXX or XXXX if any further information is required. 

Sincerely, XXXX XXXXXXXX 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 2025-10-08 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under XXXX, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


XXXX U.S. Code XXXX outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


XXXX U.S. Code $ XXXX a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

XXXX U.S. Code XXXX Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX * * * * Balance : {$12000.00} XXXX XXXX XXXX XXXXXXXX * * * * Balance : {$0.00} XXXX XXXXXXXX * * * * Balance : {$2900.00} XXXX XXXX * * * * Balance : {$3600.00} XXXX XXXX XXXX * * * * Balance : {$3400.00} XXXX XXXXXXXX * * * * Balance : {$5100.00} XXXX BANK XXXX XXXX * * * * Balance : {$8700.00XXXX XXXX XXXX XXXXXXXX * * * * Balance : {$9700.00} XXXX XXXX XXXXXXXX * * * * Balance : {$3100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX CO ) XXXX * * * * Balance : {$550.00}

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 2025-10-08 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: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents

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 2025-10-08 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: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents

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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX * * * * Balance : {$12000.00} XXXX XXXX XXXX XXXXXXXX * * * * Balance : {$0.00} XXXX XXXXXXXX * * * * Balance : {$2900.00} XXXX XXXX * * * * Balance : {$3600.00} XXXX XXXX XXXX * * * * Balance : {$3400.00} XXXX XXXXXXXX * * * * Balance : {$5100.00} XXXX BANK XXXX XXXX * * * * Balance : {$8700.00XXXX XXXX XXXX XXXXXXXX * * * * Balance : {$9700.00} XXXX XXXX XXXXXXXX * * * * Balance : {$3100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX CO ) XXXX * * * * Balance : {$550.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX * * * * Balance : {$12000.00} XXXX XXXX XXXX XXXXXXXX * * * * Balance : {$0.00} XXXX XXXXXXXX * * * * Balance : {$2900.00} XXXX XXXX * * * * Balance : {$3600.00} XXXX XXXX XXXX * * * * Balance : {$3400.00} XXXX XXXXXXXX * * * * Balance : {$5100.00} XXXX BANK XXXX XXXX * * * * Balance : {$8700.00XXXX XXXX XXXX XXXXXXXX * * * * Balance : {$9700.00} XXXX XXXX XXXXXXXX * * * * Balance : {$3100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX CO ) XXXX * * * * Balance : {$550.00}

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 2025-10-08 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-10-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc.
State: GA

Complaint narrative:
Credit Corp Solutions called me. A rep by the name of XXXX XXXX asked me to identify my social and DOB. When I stated that I was not he read my information SSN and DOB to me and stated I owed x amount of dollars. When I told him that he gave PII without stating the line was recorded or this was an attempt to collect a debt he stated SSN and DOB is public information. I have been a victim of ID theft and I told XXXX that information is not public information. I asked to speak to a supervisor and XXXX XXXX got on the line and started yelling that I owe x amount on the account. I told XXXX I did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: PA

Complaint narrative:
I have multiple accounts on my report that were removed by Equifax and TU that were incorrect and violating FCRA laws. Experian refuses to budge. For example, some of my collections have been removed due to incorrect reporting on amounts, dates, double reporting, etc. I've also told Experian that the collections on my report, the companies have failed to provide me with debt validation letters as well as can not verify the debt. They can't send me anything on a contract I have signed to collect any debt while XXXX collections agencies are trying to collect for the same debt ( XXXX is third party ). I've also tried to have my name and address updated correctly, which they have refused to do based on calling and more.

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 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I know this that {$940.00} had been taken out of my cash app account by some unknown individual and most of my information have been erased or changed off of the account thus blocking my access to the account. I immediately contact the customer support to file dispute and to see about getting the money back. After a of investigation by cash app it was determined that be transaction was fraudulent and the funds return to the account I was emailed a confirmation of this and told at that time that I would be able to withdrawal the funds from the account immediately. Upon trying to access the account yet again I realized I had been banned from cash app they're no longer had access to this account. I was directed by customer support to create a new account and have it verified in order to transfer the information from the old account to this one which is impossible because I banned and therefore it can not be verified. I have numerous times contacted customer support and request don't a check mailed to my home address and permanent closure of this account. I continue to be told that that is impossible the only way to withdraw the funds is the directed method of creating a new verifiable account to transfer the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: MD

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: IL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : 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 2025-10-08 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: RI

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation