vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: OH

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The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: TX

Complaint narrative:
I called XXXX on XX/XX/XXXX and spoke with a gentleman ( I have the call recorded ) and I asked him if I paid the debt off it they could send me a receipt and a deletion letter. The gentleman at first told me he didnt know and he put me on hold to talk to his supervisor. He did come back on the phone and said yes they would send me a receipt and deletion letter. I ask the gentleman when I would receive the deletion letter and he told me he was not sure. I asked him to communicate with his supervisor and see if he could tell me a date. He put me on hold and ask. He came back and told me 5 days and that it would come by regular mail but they would go ahead and report it to the credit bureaus. I said that was fine. So I went ahead and paid it. I never received the receipt or deletion letter. I called back on Monday because I still had not received the receipt and the lady said that it would be sent to be again to me and that I should receive it by XXXX on XXXX. XXXX  came and went and I still did not receive the receipt or anything stating that I had paid it. I called back and spoke with some else and they told me it would be XXXX to XXXX  days. I told her that is not what I was told! I have been dealing with this ever since. I had to call the original creditor and get a letter from them saying it was paid in full. They did report it to the credit bureau that it had a XXXX balance but they didnt turn it that it could be deleted as our original agreement when I paid. I still have not received anything from them of payment received or letter and this is still showing in my credit. If I am able to upload the recording of the phone conversation I will. This is deceptive trade practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: IL

Complaint narrative:
I filed multiple disputes with Wells Fargo regarding transactions totaling over {$21000.00} with the merchant XXXX involving misrepresentation of digital goods ( XXXX  Reason Code 13.3 ). Although I submitted timely and complete supporting documentation, I was informed on XX/XX/year>, by a Wells Fargo representative that this documentation had not been reviewed prior to denial. 

I then resent all supporting evidence, and on XX/XX/year>, a representative confirmed receipt and stated that the case owner had been notified. Despite this, I was later informed that the claims could not be reopened because they were supposedly reviewed by XXXX. 

I was never informed of any escalation to XXXX arbitration, and the lack of documentation review prior to the original denial contradicts XXXX XXXX responsibility to fairly evaluate disputes. Denying disputes without reviewing the evidence and refusing to escalate them to XXXX XXXX violate consumer protections under the XXXX dispute 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 2025-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi bank has frozen my accounts and have not given me any reason other than it is under review. I have ask 4 different times why and no one is saying why or how long.

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 2025-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
This is serves as a formal and legally binding demand for the immediate deletion of the following fraudulent account from my consumer credit report in accordance with the Fair Credit Reporting Act ( XXXX U.S.C. XXXX et seq. ) and all applicable federal laws : Disputed Account Details : Creditor Name : Bank of America ( BK OF AMER ) Account Number : XXXX Date Opened : XX/XX/2024 Current Balance : {$0.00} This account was fraudulently opened in my name and is the result of identity theft. Under the FCRA ( XXXX U.S.C. XXXX ), I have the right to demand the immediate and permanent deletion of this fraudulent 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 2025-06-10 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: FL

Complaint narrative:
This is a formal and legitimate complaint that demands immediate corrective action. My credit report contains blatantly inaccurate information that fails to meet the legal requirement of maximum possible accuracy. These inaccuracies are causing serious, ongoing harm to my financial standing and personal well-being. I insist on an immediate and thorough investigation. All false or unverifiable entries must be corrected or permanently removed without delay. This matter must be resolved at once failure to act will be deemed unacceptable and will result in further escalation without hesitation.

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 2025-06-09 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: NV

Complaint narrative:
To Whom It XXXX Concern, I am filing a complaint against Experian, TransUnion, and Equifax for failing to remove an invalid XXXX account ( Account # : XXXX ) from my credit file, despite multiple disputes since XX/XX/XXXX and clear evidence of inaccuracies. 

Since XX/XX/XXXX, I have been disputing this account, which incorrectly reports my name as a variation that is not mine, instead of my correct name, XXXX XXXX. I sent separate certified mail disputes to Experian, TransUnion, and Equifax, each including : Proof of my identity with a government-issued ID Copies of credit reports highlighting the incorrect account details A detailed explanation of the errors, including the wrong name and other false information Despite these repeated efforts, the credit bureaus have taken no meaningful action. I also sent a dispute to XXXX XXXX which they received on XX/XX/XXXX, via certified mail. Their response, dated XX/XX/XXXX, stated the account was sold to another entity and they could not assist further. However, XXXX continues to furnish inaccurate data to the credit bureaus, and Experian, TransUnion, and Equifax continue to report this account on my credit file, causing ongoing financial harm. 

This constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Failure to correct or delete inaccurate information Key Issues : The account reports an incorrect name instead of XXXX XXXX XXXX confirmed the account was sold, yet it remains on my credit reports I have provided all required documentation multiple times since XX/XX/XXXX The credit bureaus have ignored my disputes I have filed a related complaint with the FDIC against XXXX I demand that Experian, TransUnion, and Equifax : Permanently remove the XXXX account ( XXXX ) from my credit reports Cease reporting inaccurate or unverifiable information Provide written confirmation of the removal If this account is not removed immediately, I will pursue legal action under the FCRA for compensatory and punitive damages due to willful and negligent noncompliance, which has damaged my credit for nearly a year. 

I can provide copies of certified mail receipts, dispute letters, XXXX response, and credit report excerpts if needed. 

Sincerely, XXXX XXXX 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 2025-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-06-10 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:
Please review the reported late payment on my account, which I dispute as inaccurate. My payment records contradict the delinquency, and I respectfully request its removal to ensure my credit report is both fair and truthful.

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 2025-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/year> I sent {$4000.00} to my wife through cash app from my XXXX XXXX debit card account. It turned out she didn't need it and returned it right away back to my XXXX XXXX account. It says on the app money has been refunded back to my account. Called cash app to verify and was told the money would drop in my bank account in XXXX to XXXX business days. XXXX business days passed, called cash app multiple times and was told i should call my bank. I called my bank they said cash app never refunded the money back into my account. It's been almost 3 months now. I have been pleading to cash app to refund me back my money. My bank XXXX XXXX has done everything to prove to me that the refund never came back into my account. {$4000.00} is a lot of money for at this time. I recently lost my job, i need my money back. My situation is critical and it's starting to affect my XXXX XXXX. I'M pleading for someone to help me ask cash app to send me my money back. XXXX ...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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:
This complaint serves as a formal demand for compliance with the Fair Credit Reporting Act ( FCRA ) regarding the handling of my credit report. I have requested the account listed below to removed from my credit report due to identity theft. This is my several attempt to resolve this matter. The previous letters have come with XXXX compliance. Your failure to provide verifiable proof and your reliance on generic, non-substantive responses violate federal law and my consumer rights. I will not tolerate these deliberate evasions. 

Despite my repeated disputes, your agency has failed to provide legally required documentation proving the validity of the reported information. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute, you are legally required to conduct a meaningful investigation and provide substantive evidence verifying the accuracy of the disputed account. Your boilerplate responses do not meet this legal standard, and your continued negligence constitutes a blatant violation of federal law.

Furthermore, under 15 U.S. Code 1681e ( b ), you are required to maintain maximum possible accuracy in consumer credit reports. Your continued reporting of unverified and inaccurate information, despite my multiple disputes, demonstrates reckless disregard for the law and my rights. 
You have 30 days from the date of this letter to provide the following : XXXXActual verification of the disputed account, including original documentation from the data furnisher proving the validity of the debtnot generic statements from the creditor or data furnisher. 
XXXXA detailed explanation of the investigation conducted, including the specific steps taken to verify the accuracy of the information. 
XXXXThe names, contact information, and job titles of the individuals who handled my dispute. 
XXXX statement confirming removal of any information that can not be fully verified as per 15 U.S. Code 1681i ( a ) ( 5 ).

Failure to comply will result in immediate legal action. I am fully prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will explore all legal avenues, including but not limited to, filing a lawsuit for willful noncompliance under 15 U.S. Code 1681n, which entitles me to statutory damages, punitive damages, attorney fees, and costs. 
This account do not belong to me, as they are fraudulent. The banks have agreed to remove this account from my records. Im confused why you still feel theyre reporting accurately. Please see this account are fully investigated and VERIFIABLE PROOF IS FORWARED TO ME. 

XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I went to Bank of America ( Branch XXXX, XXXX XXXX XXXX, XXXX XXXX CA ) to cash 9 matured U.S. Savings Bonds ( XXXX XXXX ). I was denied without cause. Assistant Manager XXXX XXXX XXXX claimed their policy doesnt allow bond cashingonly deposit. These are federal instruments, fully matured, endorsed, and legally cashable under Treasury rules. Her refusal forces unnecessary risk ( identity theft, loss ), delays access to funds, and violates my consumer rights. No written explanation or remedy offered. I want immediate accountability and enforcement.

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 2025-06-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: PA

Complaint narrative:
Account XXXX XXXX XXXX XXXX # XXXX. Im unaware of this debt and didnt have the opportunity to dispute this account. If you believe you sent proper notification please provide Certified Mail with receipt displaying my signature. If not please delete Account # XXXX as soon as possible from my report or I will have to take legal action.

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 2025-06-10 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: CT

Complaint narrative:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC XXXX XXXX  XXXX XXXX XXXX acct. no : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AE

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-06-10 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: CA

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 non-monetary relief
Consumer complaint received 2025-06-10 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: RFNA, LP
State: GA

Complaint narrative:
Ongoing Credit Reporting Violation by XXXX XXXX Despite Court Judgment FCRA Violation I am filing this complaint against Republic Finance , LLC for continued and willful violation of the Fair Credit Reporting Act ( FCRA ) and a standing court judgment. 

On XX/XX/year>, I won a lawsuit against XXXX XXXX in [ insert name of court ] regarding a debt they falsely reported under my name. The judge ordered XXXX XXXX to remove the account from my credit report after determining that the debt did not belong to me. XXXX XXXX was granted six months to appeal, during which they took no action, allowing the judgment to become final. 

Despite this legally binding judgment and having received documentation from my attorney confirming the outcome, XXXX XXXX continues to report this false debt on my credit report as of [ insert most recent date you saw it reported ]. This continued reporting has caused significant harm to my credit score and has interfered with my ability to obtain new credit, which is a direct violation of the FCRA, 15 U.S. Code 1681s-2 ( a ) which prohibits the reporting of inaccurate information.

Additionally, I have reason to believe this ongoing action may constitute willful negligence and defamation of character, as the company was made fully aware through the court process that the debt was not valid and yet continues to disseminate false and damaging information about me. 

Key Facts : I won a lawsuit against XXXX XXXX in [ insert court name ] ( Case No : XXXX ) The court ordered XXXX XXXX to remove the erroneous debt from all credit reporting agencies No appeal was filed within the statutory period of 6 months Despite this, the debt continues to be reported on my credit report by XXXX XXXX I am attaching documentation from the court and my attorney verifying the above facts Laws Violated : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ), which prohibits furnishing inaccurate or false information FCRA 1681n & 1681o allowing for civil liability for willful or negligent noncompliance Defamation under common law, the continued false reporting may also be construed as defamation, as it harms my reputation and creditworthiness with full knowledge that the information is false

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: IL

Complaint narrative:
I am formally requesting the removal and blocking of the unauthorized accounts currently reflected on my credit report. These accounts were not opened or approved by me, and I have no knowledge of them. As stated under USC 1681g, I am asking for their deletion within the next 15 days. Please find the attached documents for your reference. Its important to highlight that conflicting account details are being reported by each bureau, which adds to the inaccuracy.

Company response to consumer: Closed with explanation