vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 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 kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: TX

Complaint narrative:
I do not recognize these inquiries, and they seem unauthorized. I kindly request prompt action to resolve this issue. The attached documents provide further details.

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 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: TX

Complaint narrative:
I am submitting this complaint regarding a serious violation of my rights under the Fair Credit Reporting Act ( FCRA ) by Experian On [ XX/XX/year> ], I submitted a formal request to [ experian ] to block a fraudulent account that resulted from identity theft, as allowed under 15 U.S. Code 1681c2. Along with this request, I provided : 1. Proof of my identity ( government-issued ID and supporting documents ), 2. A copy of a valid police report [ or FTC Identity Theft Report ], 3. Identification of the specific account that was opened fraudulently, 4. A written statement affirming that the account was not mine and resulted from identity theft.

Despite meeting all legal requirements under 1681c2 ( a ), the bureau has refused to block the information. The only explanation I was given was that, due to a prior dispute ( where I mistakenly disputed the account as a late payment ) and internal policies, they are not processing the identity theft block. 
This is a direct violation of FCRA. Section 1681c2 clearly requires consumer reporting agencies to block identity theft-related information

within 4 business days of receiving the proper documentation. The law does not permit denial based on a consumers prior dispute history, nor does it allow internal policy to override federally protected rights.

This refusal is causing continued damage to my credit report, emotional distress, and financial harm. I am requesting that the CFPB take immediate action to : Compel [ Experian ] to block the fraudulent information, Investigate their noncompliance with the FCRA, Hold the bureau accountable for any willful or negligent violations under 15 U.S. Code 1681n and 1681o.

All supporting documentation, including my identity theft report, written statement, and communication records with the credit bureau, can be provided upon request.

Thank you for your attention to 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 2025-05-05 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:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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 2025-05-05 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/XXXX I was in XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX property where my husband and I were staying. I tried to get a cash advance and was informed my card was declined. 
On XX/XX/XXXX upon arrival home my husband received notifications of charges to his Wells Fargo account. 
XX/XX/XXXX my husband started calling credit card companies to report the fraudulent charges. 
Wells Fargo has continuously gave both my husband and I the run around on this matter due to the chip being present in a transaction. We are not denying we used the card however we were at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that the so called merchant is saying in their rebuttal. 
Contacting Wells Fargo was the first we ever heard about vouchers/gift checks. 
On XX/XX/XXXX? we received a letter via mail that the case was closed and that unless there was compelling evidence it would stay closed. I went over the documents again finding that not only did this merchant charge our card fraudulently, the evidence the merchant provided to Wells Fargo shows someone elses credit card was ran for purchases claimed to have been put on vouchers. This merchant has cut/copied/patsted items that do not add up in any way. 
Wells Fargo reroutes calls to simply frustrate us to XXXX XXXX of giving up. 
We paid the card off so that our XXXX XXXX would not be affected in this long drawn out process. 
Our card shows it ran back to back within SECONDS .. XXXX for {$5400.00} and again at XXXX for {$4400.00}. 
Wells Fargo lack of attention to this case and the details should not fall back on XXXX after we made every attempt possible from contacting them, the XXXX, the XXXX and the fictitious merchant. 
We are fed up with being told the call is being monitored and recorded yet every person we talk to is clueless and we end up repeating ourselves over and over. 

This was NOT the only card this merchant charged fraudulently however Wells Fargo is the only XXXX XXXX who had not found it to be XXXX. IT IS NOT ROCKET XXXX MATERIAL! 
We can never reach the same person twice! Its just redundant conversations with different people almost daily and some days all day!

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 2025-05-05 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:
I am submitting this complaint because Equifax has failed to block disputed information from my credit report in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ). I submitted a valid FTC Identity Theft Report, along with my government-issued ID, Social Security card , and proof of address.

According to FCRA 605B ( c ) ( 1 ), Equifax is legally required to block any information resulting from identity theft within 4 business days of receiving a valid request with supporting documentation.

Instead of complying, Equifax issued a generic response stating they are contacting the creditor for verification. This is not only incorrect, it is a direct violation of the FCRA. Furnishers are not authorized to overrule the block required under 605B.

Additionally, under 605B ( c ) ( 3 ), Equifax is prohibited from reinserting or continuing to report any disputed item unless I, the consumer, submit verified documentation confirming the accuracy of that item which I have not done and will not do.

I am formally demanding that Equifax : Immediately block the disputed items listed below from my report ; Cease all attempts to verify with furnishers, which is unlawful under this section ; Stop any further publication, sharing, or reinsertion of this disputed information.

The information in question is clearly the result of identity theft and must be removed without further delay. 
Disputed accounts/inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-05-05 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: NC

Complaint narrative:
I am disputing a collection account listed by XXXX XXXX XXXX XXXXcount # XXXX ( Original Creditor : XXXX XXXX XXXX XXXX the amount of {$120.00}, with an open date of XX/XX/year>. 

I do not recognize this debt, and I have not received any prior communication or validation of this debt from the collector. I am requesting that this account be removed from my credit report immediately as it may be erroneous or a case of mistaken identity.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or unverified information. I also request that the collector provide documentation to verify that this debt belongs to me.

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 2025-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had a debit account at Wells Fargo and a credit card. I closed my account, thinking that everything was fine. It was opened on XX/XX/XXXX, and closed on XX/XX/XXXX. I just closed it because my new address was so far from a Wells Fargo bank. 
So, I realized that I had a bill under my name for XXXX, with the last payment made on XX/XX/XXXX. 
My name was at XXXX XXXX, and I called the bank to understand what happened, but they did not get to send me the statement of this amount or give me more information about it. 
So I went in person to Wells Fargo XXXX ( XXXX ) and talked with XXXX, and she also could not get to find any information under my name and social security. 
So, I can not be reported if I don't have the directions to solve and to understand what happened. 
Now, XXXX, don't reply to me. By phone, I don't get to solve. I scheduled a new appointment on XX/XX/XXXX to try again. 
I just need to solve this problem, but I don't know how to do it!

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 2025-05-05 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 score dropped XXXX points because my XXXX loans are in arrears. However, I never received bills, invoices, or notification that payment was due or to whom I owed money, what the monthly payments would be, or invoices/bills. I started school over 10 years ago and XXXX just at the onset of the pandemic when all XXXX  loan payments were deferred. When that period was over, I wasn't notified regarding my payment plan or the information I needed to submit payment ( as described above ). This is unfair, and I'm aware that many people have the same problem. I'd like to know if this can be corrected. I am currently in the process of consolidating the loans, and establishing a payment schedule with XXXX but with the volume of people in the same situation, it has been difficult to get this done as the website keeps crashing, no one answers the phone and no appointments are available for a schedule call. Please help!

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 2025-05-05 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: DC

Complaint narrative:
I have no connection to these inquiries or the listed creditors. I request their immediate removal 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 2025-05-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
My total a XXXX  XXXX  for care credit was XXXX. I've been paying them 44 years and have paid triple this amount back If not more and I still owe XXXX XXXX There is no way, They never told me about any late fees.Or the outrageous amount for interesthat they would be 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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: KY

Complaint narrative:
I am filing a complaint because my creditors is reporting late payments on my account that are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furniture but the late payments remain without proper validation or documentation under 15 USC 1681 S 2 A Furnitures must report accurate information under 15 USC 1681 I The credit bureaus must perform a reasonable investigation within 30 days neither of them have provided sufficient evidence to support the negative reporting. It is very important that you dispute with a proper XXXX  dispute letters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: DISCOVER BANK
State: NJ

Complaint narrative:
New buyer at the foreclosed property where i was living in at the time; was involved in stealing all my personal belongings including my social security card along with all my other confidential information. 

I've reported this incident with FTC XXXX XXXX$10000.00} XXXX {$15000.00} XXXX {$18000.00} XXXX XXXX XXXX {$28000.00} XXXX XXXX XXXX {$7500.00} XXXX {$33000.00} XXXX {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
New buyer at the foreclosed property where i was living in at the time; was involved in stealing all my personal belongings including my social security card along with all my other confidential information. 

I've reported this incident with FTC XXXX {$10000.00} Barclays {$15000.00} Barclays {$18000.00} XXXX XXXX XXXX {$28000.00} XX/XX/XXXXXXXX {$7500.00} XXXX {$33000.00} XXXX {$3000.00}

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 2025-05-05 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: U.S. BANCORP
State: NJ

Complaint narrative:
New buyer at the foreclosed property where i was living in at the time; was involved in stealing all my personal belongings including my social security card along with all my other confidential information. 

I've reported this incident with FTC XXXX {$10000.00} XXXX {$15000.00} XXXX {$18000.00} Elan Financial Services {$28000.00} XXXX XXXX XXXX {$7500.00} XXXX {$33000.00} XXXX {$3000.00}

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 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
This company is breaking the law by failing to provide proper validation of details as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they've added a collection to my credit report. This agency is infringing on my community rights by using misleading, false and deceptive tactics. I have already tried to resolve these issues directly with them but they have continued to violate my rights. I am entitled to {$1000.00}. They must either compensate me or remove these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I was pressured into making a high-cost purchase from XXXX XXXX, a photography service, during an appointment that included aggressive sales tactics and emotional manipulation. I attempted to cancel the purchase within 24 hours ( actually within 10 hrs ), but the merchant outright refused, even though the service had not yet been rendered.

The transaction was financed through Affirm, and I contacted Affirm immediately to cancel or stop the loan while it was still pending. However, Affirm told me I could not cancel and that I had to resolve it with the merchant. Since then, I have made multiple good-faith efforts to cancel, but both the merchant and Affirm have refused to allow me out of the agreement. 

I am now being held financially responsible for a transaction that I attempted to cancel right away, under circumstances that involved undue pressure and deceptive sales practices as well as excessive fees. I have received no product or service in return and feel that both companies are engaging in unfair and predatory business behavior.

I request that the CFPB/FTC investigate the practices of both XXXX XXXX and Affirm for : Failure to honor reasonable cancellation requests Use of high-pressure sales tactics Refusal to pause or cancel financing despite no service being delivered Violating consumer protections under federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: CA

Complaint narrative:
My debit card was used without authorization for over {$27000.00} I have provided them with the case # XXXX from XXXXXXXX XXXX police department XXXX and all supporting documentation. They have only put {$2100.00} back in my account in 2 months. 
This is with direct express where my XXXX payments are deposited. 
It is almost imposible to get anyone on the phone. When i finally do gwet through, i get transfered to several different departments, then told the fraud department is closed. 
This was finances for housing so I can continue my medical treatments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
SW Credit Systems is reporting a collection account tied to XXXX  for {$830.00} across all major credit bureaus. I was never properly notified, and this debt has never been validated as required under the Fair Debt Collection Practices Act ( FDCPA ). Despite my disputes, this derogatory tradeline remains, in violation of both FDCPA and the Fair Credit Reporting Act ( FCRA ). This unlawful reporting has damaged my credit score, resulting in denials for housing, employment, and credit access, and has caused emotional distress. This is especially concerning given my status as a consumer residing in XXXX  where these harms continue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: OH

Complaint narrative:
It was reported to my credit that I was 120 days late paying on loans that should have been on an IDR plan. I was told the issue was a system error and it would be fixed. It was never fixed its requested a letter for my mortgage lender because I'm in the process of buying a house. They gave me a letter the account number for my mohela account does not match the account numbers that was reported. I requested this be fixed. Was never fixed, on the phone for days and hours at a time with no help. Kept getting stuff sent to my inbox that they couldn't reach me or that there was a delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: MA

Complaint narrative:
Equifax has reported multiple derogatory accounts including XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX that are inaccurate and have not been properly investigated after my disputes. These tradelines remain on my credit report with conflicting data, including charge-offs with {$0.00} balances and closed statuses, which violate Metro 2 standards. Despite multiple notices, Equifax failed to take corrective action or ensure the data was verified. These reporting failures have caused significant credit score damage, multiple denials for credit and housing, and ongoing emotional distress in my life in Massachusetts.

Company response to consumer: Closed with non-monetary relief