vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/year>, I submitted a dispute regarding inaccurate/fraudulent information on my credit file through the Consumer Financial Protection Bureau XXXX CFPB ). Under 15 U.S.C. 1681c2 ( a ) of the Fair Credit Reporting Act ( FCRA ), when a consumer notifies a consumer reporting agency that information results from identity theft or is otherwise fraudulent, the agency must block the reporting of that information within XXXX ( XXXX ) business days of receipt of such notice. 

Your agency has failed to comply with this statutory requirement. More than XXXX ( XXXX ) business days have elapsed since the date of my dispute submission through the CFPB, yet the disputed accounts remain on my credit file. This constitutes a direct violation of the FCRA and XXXX. 

Further, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), a consumer reporting agency must conduct a reasonable reinvestigation of any disputed item. Failure to act within the required timeframes not only demonstrates noncompliance, but also obligates you to delete or block the disputed information since you are unable to verify its accuracy in accordance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I submitted a dispute regarding inaccurate/fraudulent information on my credit file through the Consumer Financial Protection Bureau XXXX CFPB ). Under 15 U.S.C. 1681c2 ( a ) of the Fair Credit Reporting Act ( FCRA ), when a consumer notifies a consumer reporting agency that information results from identity theft or is otherwise fraudulent, the agency must block the reporting of that information within XXXX ( XXXX ) business days of receipt of such notice. 

Your agency has failed to comply with this statutory requirement. More than XXXX ( XXXX ) business days have elapsed since the date of my dispute submission through the CFPB, yet the disputed accounts remain on my credit file. This constitutes a direct violation of the FCRA and XXXX. 

Further, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), a consumer reporting agency must conduct a reasonable reinvestigation of any disputed item. Failure to act within the required timeframes not only demonstrates noncompliance, but also obligates you to delete or block the disputed information since you are unable to verify its accuracy in accordance 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
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The credit report misrepresents my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: MS

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 2025-08-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I opened my Wells Fargo account in XXXX. While opening my account, they offered me a XXXX XXXX  bonus if I received a deposit of XXXX dollars or more. I work for XXXX XXXX XXXX and they have direct deposited XXXX dollars in my account XXXX times since Ive opened the account. I contacted Wells Fargo customer service and they keep telling me to wait for the bonus to drop in account.

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 monetary relief
Consumer complaint received 2025-08-20 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: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX A ( Original Creditor : XXXX XXXX ) # XXXX-XXXX  XX/XX/XXXX - Balance : {$2000.00} XXXX  # XXXX XX/XX/XXXX - Balance : {$0.00} XXXX  # XXXX XX/XX/XXXX - Balance : {$1000.00} XXXX CARD # XXXX XX/XX/XXXX - Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: F.H. Cann & Associates, Inc.
State: VA

Complaint narrative:
I acknowledged the original creditors settlement offer of {$5900.00} but was unable to pay the full amount upfront due to financial obligations and an upcoming XXXX. On XX/XX/XXXX, I emailed F.H. Cann & Associates proposing monthly payments of {$590.00} beginning XX/XX/XXXX, and a lump sum payment of {$3800.00} no later than XX/XX/XXXX after I return from XXXX services with the XXXX. I requested written confirmation of acceptance and instructions for making these payments. 

As of today XXXX weeks later, I have not received any response from the company. I have followed up via email but still received no reply. I am seeking confirmation of my settlement offer and guidance on how to make the payments, and I request that all future communications be conducted via email only so I can keep records. 

Since I have not received a response in almost a month and agreeance to my monthly {$590.00} payment - I am now only willing to pay {$3800.00} once I return from XXXX in XXXX. I will be leaving the end of XXXX and I was hoping to get a response by now so I can plan and organize my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
There are several inquiries on my credit report that I've never applied for anything. Dates and amounts on an open from Credit Acceptance Corp is incorrect.

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 2025-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Dear CFPB, I am a victim of scam or fraud and identity theft. The scammer has my Drivers License, Social Security number, phone number, and address. Using my information, they opened unauthorized loan, checking, and savings accounts and conducted wire transfers. 

My bank account is now overdrawn due to fraud. I received a letter from the bank stating that I am responsible for an overdraft on an account that is already closed. I do not recognize this account activity and believe it is connected to the scammers actions. 

Chase account ( checking ) - ending XXXX overdraft {$8300.00} - ending XXXX overdraft {$1000.00} For reference : I have been a Chase customer for over XXXX XXXX with an excellent recordnever owing money, overdrafting, or making late credit card payments. 

I have already reported this to the FTC, FBI XXXX, credit bureaus, and local police, and I also filed disputes with my bank. However, my bank continues to call me for payment and is adding late fees and interest for the credit card charges. 

I urgently request the CFPBs help to : XXXX. Stop the bank from holding me responsible for fraudulent charges. 
XXXX. Remove all late fees and interest tied to this fraud. 
XXXX. Assist in recovering my lost funds. 

Supporting documents ( police report, FTC report, XXXX complaint, and bank correspondence ) are available upon request. 

Note : All of my accounts have been closed due to fraud. I am doing my best to obtain account statements and evidence to support the investigation. 

Thank you for your urgent assistance. 

Thank you, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Identity Theft / Fraudulent Collection Account Request for Blocking under FCRA 605B Account in Dispute : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account Number ( last digits ) : XXXX XXXX XXXX Balance Reported : {$4200.00} Date Opened ( per report ) : XX/XX/XXXX Formal Dispute & Demand for Removal I am disputing the above-referenced collection account, which appears on my credit reports with XXXX XXXX and XXXX. This account does not belong to me. It was fraudulently opened without my knowledge, authorization, or consent. 
Under the Fair Credit Reporting Act ( FCRA ), Section 605B [ 15 U.S.C. 1681c-2 ], I am formally demanding that this fraudulent account be blocked from my credit reports immediately.

FCRA 605B requires consumer reporting agencies to block information resulting from identity theft within four ( 4 ) business days after receiving proper documentation, including an identity theft report.

Legal Basis - FCRA 605B ( a ) ( 1 ) : Credit bureaus must block fraudulent information upon receiving proof of identity theft.

- FCRA 605B ( b ) : The block must be applied within 4 business days.

- FCRA 623 ( a ) ( 6 ) : Furnishers of fraudulent information may not continue reporting after being notified of identity theft.

Action Requested I request that : XXXX. This fraudulent collection account be immediately blocked and permanently removed from my credit reports with all CRAs. 
XXXX. XXXX  and the original creditor, XXXX XXXX XXXX XXXX, be notified of the fraudulent nature of this account and cease all reporting. 
XXXX. Written confirmation of the blocking and deletion be provided to me once completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
Account was charged off and closed on XX/XX/year>. I didnt receive a XXXX and the account is still on my credit report even though the account has been settled and wrote off as a profit loss on the companys taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

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 2025-08-20 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: EQUIFAX, INC.
State: SC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: NM

Complaint narrative:
The problem is with time delays. A debit shows instantly but a credit takes XXXX business days.

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 2025-08-20 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: SC

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 2025-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
Enrolled at XXXX XXXX. 
Victim of XXXX discrimination. 
Retaliated by turning XXXX  account in as unpaid debt to collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Made A Purchase on XXXX XXXX XXXX XXXX Put wrong Information as well Wells Fargo Declined the Trans Action HOWEVER XXXX Reverse The Funds Back To Well Fargo Account Reference Number/Order # XXXX PROOF Wells Fargo His Holding Funds and Don't Have Access To Funds THIS IS A WELLS FARGO STANDARD AGAINST THE LAW PROCESS

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 2025-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Tenaglia & Hunt, PA
State: MD

Complaint narrative:
No one has been in touch with me about my debt. I had a court date on XX/XX/year>. I did my part to reach out to the law firm XXXX bank had takeover the case. No one has gotten back to me, I emailed, called, and left voicemails. Shows online they are open but not one person has gotten back to me. I wanted to set up a payment plan and to make sure the debt I owed was a set amount and would not gain interest. I called them on XX/XX/year> at XXXX to see about a payment plan before the court date or to even avoid court as a whole. No answer. I called them again on XX/XX/year> at XXXX, XXXX, XXXX, and XXXX XXXX. I left voicemails as well. I called them today, XX/XX/XXXX at XXXX, XXXX, XXXX, XXXX, XXXX. I left voicemails as well I even emailed a person that was listed on my case I guess as an attorney or representative, I emailed on XX/XX/year> to XXXX XXXX at his email listed on the papers that were served.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: DC

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on 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 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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

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 2025-08-20 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: NC

Complaint narrative:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Identity Theft Report issued by the FTC ( FTC Report Number : XXXX ) as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within XXXX ( XXXX ) business days. 
The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of XXXX year, with the option to extend if needed. During this period, no information related to this account may be reported. 
I have made multiple attempts to contact EQUIFAX to report this issue, but I have not received a clear or satisfactory resolution. 
I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family. 
Its important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than 60 days have passed without a response. 
I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: DE

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: WI

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX 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  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} 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 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 XXXX 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 response to consumer: Closed with non-monetary relief