vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " Federal - XXXX-VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court Bankruptcy that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: AL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/year>, Balance : {$3400.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$94.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$49.00}

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 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo is closing my account, and Im asking for help to stop this from happening. They told me the reason was because I filed disputes but I only filed them because I never received the items or services I paid for. I didnt do anything wrong, and I followed the process the bank provides for those situations. 

Ive already removed all my money from the account, so this isnt about getting any funds back. I just really dont want to lose my account completely. Wells Fargo has been my only bank, and Ive used it for everything. I dont believe its fair to shut me out for using the dispute process in good faith. 

Im asking if theres any way this decision can be reversed or if someone can step in to help me keep my account open. Im willing to work with the bank or provide more details if needed. I just want a fair chance to stay with Wells Fargo and clear things up. 
And also they send me basically email saying that theyre closing and cutting ties with me and I did nothing wrong and I feel like I should tell my side of the story.

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 2025-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: ID

Complaint narrative:
On XX/XX/XXXX I sent funds through XXXX and purchase the purchase protection The seller blocked me on social media on XX/XX/XXXX as well as on XXXX. The seller would not communicate how to receive the vehicle I filed a dispute with XXXX on XX/XX/XXXX In XX/XX/XXXX I was informed my protection was ineligible due to it being a motor vehicle. 
Their user agreement does sate it covers violations of local, state, and federal laws. This is fraud. 

Dispute Id XXXX External Payment Id XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Simple problem : can not open their emails with my password. Have asked many times I feel there are a BOT operation.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint against the three major credit bureausXXXX, Equifax, and XXXXfor ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and CDIA industry standards.

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ). 

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court. 
Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information Metro 2 and CDIA Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require XXXX, Equifax, and XXXX  to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: IL

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX IL XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$190.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$220.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$950.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$110.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} INQUIRIES : XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: United Shore Financial Services, LLC
State: MI

Complaint narrative:
I work at a mortgage company called United Wholesale Mortgage. I worked in their post closing department from XX/XX/scrub> XXXX XXXX XXXX  until the company mandated that XXXX employees from their post closing department would move to their underwriting department. The team leads from the post closing department stated that this department switch was mandatory and we weren't allowed to keep our current positions. Unfortunately since the underwriting position has an extremely high turn-over rate, UWM made all employees entering underwriting accept a {$10000.00} personal loan with 5 % interest. Since our old position [ post closing ] wasn't available anymore, those who went to underwriting would have to take out a {$10000.00} loan with interest. In order to officially keep the {$10000.00}, the employee 's would have to stay in their current role for three years. It is illegal to force employees to accept a loan for any amount of money. It is disheartening that a company is allowed to make employees take out a loan for {$10000.00}. The fact that this is a multimillion dollar company and they pay their employees below the industry standard and are willing to put their employees in debt to fatten XXXX XXXX pockets is insane!! Please post this and let the world know how UWM is making their employee 's take out loans in this economy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
I suspect this was a SPAM call. I received a call on XXXX saying someone in XXXX  had applied for a Wells Fargo credit card using my ss #. They had the last four digits correct. They had an address of XXXX XXXX XXXX XXXX., XXXX, XXXX  XXXX under the name XXXX XXXX, but with my SS # ( at least the last four digits ) They also had my home address correct - XXXX XXXX XXXX, XXXX, XXXX  XXXX My name is XXXX XXXX I do not know this person or anyone at this address in XXXX, and I did not apply for this card. They said they would cancel the application, but transferred me to the Consumer Financial Protection Bureau to report this. I asked for the number, they said it was XXXX. I hung up to do my own research before I talked to them. 
They gave me cancellation # XXXX, Case # 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 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: WI

Complaint narrative:
INFORMATION IS INCORRECT, ALSO NEVER GAVE PERMISSION TO REPORT MY INFO

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: IL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter 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 non-monetary relief
Consumer complaint received 2025-07-21 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: IL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: TX

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter 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 2025-07-21 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 USC 1681c-2 ) that you, EXPERIAN credit reporting agency block information appearing on my consumer credit report that is result of identity theft and fraud within 4 business days of receiving this complaint. This false, inaccurate, and fraudulent information consist of auto loans, personal loans, collections ACCOUNTS XXXX / XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent inquiries and accounts on my consumer FICO report. I've attached a list of the accounts. I do not recognize the aforementioned accounts, collections, and inquiries reported.The aforementioned accounts you have on file on my consumer report was not initiated by me nor opened ; they are a result of identity theft. I have attached my FTC report as a result that the mentioned accounts were opened fraudulently.

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 2025-07-21 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: PA

Complaint narrative:
I am reporting a serious inaccuracy involving the account XXXX ( XXXX ). Equifax is reporting a 60-day late payment in XX/XX/year>, even though the prior month ( XX/XX/year> ) shows no delinquency at all. This contradicts both credit industry standards and factual payment history. 
By contrast, XXXX  reports only a 30-day delinquency for XX/XX/year>, and XXXX  has deleted the account entirely, citing their inability to verify the data. This discrepancy among the XXXX XXXX  credit bureaus is unjust and misleading. 
Equifaxs continued reporting of a 60-day delinquency with no prior 30-day delinquency, and without uniform verification across bureaus, constitutes inaccurate reporting. This violates : FCRA 1681e ( b ) : Duty to report accurate and complete information FCRA 1681i ( a ) : Failure to properly investigate disputed information FCRA 1681i ( a ) ( 5 ) ( A ) : Duty to delete unverifiable items

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I sent a letter to this company on XX/XX/XXXX requesting a copy of my original contract a copy of their license to collect a debt in Florida and a copy of my payment history they did not send information in over 30 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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I sent a letter to this company on XX/XX/XXXX requesting a copy of my original contract a copy of their license to collect a debt in Florida and a copy of my payment history they did not send information in over 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I never received my XXXX  debit card and it was never activated by me. But somehow it was used to make a lot of unauthorized charges using my physical XXXX  debit card with my money I had in my XXXX  account. NOW I still haven't gotten my money back and XXXX  isn't helping me! The " account specialist '' denied my fraud disputes less than XXXX hours after I notified XXXX  about this incident. The account specialist said " no error occurred '' and didn't acknowledge the fact that I never received my XXXX  card and never activated it. But everyone else I spoke with at XXXX  confirmed that I never activated my XXXX  debit card. The account specialist approved only a quarter of my disputes for the unauthorized charges made with my unactivated debit card. But ALL the charges were made by the same merchant. It seems that XXXX  doesn't actually investigate unauthorized charges claims or anything to help there customers. 'm not sure if the " account specialists '' can read or if they are really that terrible at there job.But I know that XXXX  has broken a few consumer protection laws in place to protect consumers if something like this happens to XXXX approved XXXX of the transactions that weren't mine. BUT they denied the other XXXX that were made by the same merchant on the same day. I don't understand why they approved some and denied the others. They were not helpful they only closed my account instead of doing there job and getting my money back

Company response to consumer: Closed with explanation