vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-17 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: TN

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Last Friday XX/XX/XXXX I went to my bank Wells Fargo to deposit my pay check to my bank account, during the weekend I was expecting my check to be in my bank account by next day but it does not showed up. When I came back to the Wells Fargo bank on Tuesday XX/XX/XXXX to speak why my money was not in my bank accout they reviewed and they noticed that they comitted a mistake and was deposited to another bank account. They accepted that was their mistake and they appologized about it and said they will fix it, but they didn't in the same day, instead of that they created a claim request and told me it could take up to 10 bussiness days to be solved. 

So far today is XX/XX/XXXX and I do not have my money in my bank account and I need the money for my living expenses.

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 2025-10-17 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: TN

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 explanation
Consumer complaint received 2025-10-17 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: TN

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 explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Hanwha QCells USA Corp
State: TX

Complaint narrative:
I financed a {$74000.00} solar system through EnFin XXXX XXXX, which partnered with XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX, TX ) for the sale and installation. XXXX XXXX, acting as EnFins sales partner, represented that I would receive the latest XXXX panels and that my overall monthly costs would be lower after installation. 

After installation, I discovered from XXXX XXXX ( Case # XXXX, Site ID XXXX ) that the microinverters ( XXXX ) were manufactured in XXXX and the panels in XXXXcontradicting what was promised. Independent inspections, including one by XXXX, confirmed the system was undersized and installed on the wrong roof planes, which reduced production. My total energy cost ( loan + electricity ) is now {$700.00} {$900.00} per month, which is higher than before solar. 

XXXX XXXX acknowledged issues by sending two reimbursement checks ( {$1600.00} and {$1600.00} ) and dispatching a technician but stopped responding after I sent a certified demand letter. EnFin has also failed to respond to my written dispute. 

I am concerned that EnFin approved a $ XXXX loan without verifying my income or ability to repay. I never provided pay stubs, W-2s, tax returns, or bank statements. The approval appears based solely on verbal income statements, which violates basic Ability-to-Repay expectations and responsible lending standards.

I believe EnFin shares responsibility for financing a misrepresented solar sale without due diligence and request that the CFPB investigate EnFins underwriting practices and its relationship with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: MO

Complaint narrative:
Using Cashapp and they removed me from using their app said I used their app against their policy. I used the app to help friends and family with money nothing else

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: AL

Complaint narrative:
Although this account was fully paid, it still reflects late payment marks inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: ACIMA CREDIT, LLC
State: IL

Complaint narrative:
To Whom It May Concern, I am submitting a formal complaint regarding Acima and their lease-to-own payment program. In XX/XX/year>, I used Acima to obtain XXXX new tires after an emergency. The total cost of the tires was {$1300.00}. 

Since then, I have made consistent biweekly payments as agreed. However, I have now paid a total of XXXX XXXXmore than double the original cost of the tires. Upon reviewing my agreement, I noticed there is no stated interest rate or clear disclosure outlining how this amount was calculated. This lack of transparency has caused significant financial hardship and confusion. 

I believe Acimas practices are misleading and potentially predatory. I request that the Consumer Financial Protection Bureau review this matter to ensure compliance with fair lending and disclosure laws. I am seeking a full investigation into their payment structure and a possible refund or adjustment for the excessive overpayment. 

Please let me know if you require documentation, payment receipts, or a copy of the agreement. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: PA

Complaint narrative:
Unknown inquiries XXXX ( retailer ). XX/XX/XXXX XXXX/XXXX  ( hotel and travel ) XXXX  XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute certain inaccurate information that appears on my credit report. I recently obtained a copy of my credit report and discovered entries that are incorrect and do not belong to me. These inaccuracies have negatively impacted my credit score and have hindered my ability to secure financing for a home.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute information I believe to be inaccurate or incomplete. I am requesting that your agency conduct a reasonable reinvestigation of the following items and remove them from my credit report if they can not be verified : Please see attached documents for accounts. 
These entries are not only inaccurate but also constitute a defamation of my character and have caused me financial and emotional distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute certain inaccurate information that appears on my credit report. I recently obtained a copy of my credit report and discovered entries that are incorrect and do not belong to me. These inaccuracies have negatively impacted my credit score and have hindered my ability to secure financing for a home.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute information I believe to be inaccurate or incomplete. I am requesting that your agency conduct a reasonable reinvestigation of the following items and remove them from my credit report if they can not be verified : Please see attached documents for accounts. 
These entries are not only inaccurate but also constitute a defamation of my character and have caused me financial and emotional distress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 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:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, Illinois XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX  DC XXXX Re : Identity Theft and Fraudulent Accounts - Request for Investigation To Whom It May Concern : I am writing to formally dispute and report multiple fraudulent accounts that have been opened in my name without my authorization. I am a victim of identity theft. The following accounts have been fraudulently attached to my credit profile : 1. XXXX  XXXX - Account # XXXX 2. XXXX XXXX XXXX - Account # XXXX 3. XXXX  XXXX XXXX Account # XXXX 4. XXXX  XXXX  - Account # XXXX 5. XXXX XXXX XXXX  - Account # XXXX 6. XXXX XXXX XXXX - Account # XXXX 7. XXXX - Account # XXXX 8. XXXX - Account # XXXX 9. XXXX XXXX - Account # XXXX, 10. XXXX XXXX - Account # XXXX 11. XXXX XXXX - Account # XXXX I did not open these accounts, nor did I authorize anyone to do so on my behalf. These accounts are fraudulent and violate federal consumer protection laws, including : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. - I am disputing inaccurate and fraudulent information on my credit report. The credit reporting agencies are required to investigate and remove unverifiable accounts within 30 days.

Fair and Accurate Credit Transactions Act ( FACTA ), 15 U.S.C. 1681 note - I have submitted an FTC Identity Theft Report, which must be considered in the correction of my credit report. I am requesting a fraud alert and removal of fraudulent accounts.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. - Any attempts to collect on these fraudulent debts by third-party debt collectors are prohibited unless they can verify the accounts.

Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028 - These accounts constitute identity theft, a federal criminal offense.

Enclosed are copies of supporting documentation : G o v e r n m e n t - issued ID Proof of current residence FTC Identity Theft Report I request that the CFPB : 1. Investigate these fraudulent accounts.

2. Require all listed creditors and credit reporting agencies to verify these accounts.

3. Ensure the immediate removal of all fraudulent accounts from my credit profile.

4. Provide written confirmation once the investigation and account removals are completed.

Thank you for your prompt attention to this urgent matter. 
Sincerely, /S/ XXXX XXXX XXXX Date XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 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: NJ

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
On XXXX @ XXXX EST I received an email from XXXX  XXXX XXXX that said We've removed XXXX from Zelle, and it's unable to receive money using your account ending in XXXX. This happened because we noticed you've conducted activity that's inconsistent with Zelle 's Terms and Conditions which has resulted in the inability to use XXXX with Zelle. Note : If you use this email address with Mobile or Online Banking, it's still linked with your profile And a similar email from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NEW YORK COMMUNITY BANCORP INC
State: MA

Complaint narrative:
I requested a transfer to an external account on XX/XX/XXXX. On XX/XX/XXXX, I was notified that my transfers had been blocked. I called customer service and was told that my case would be escalated to management and that I would receive a callback, which never occurred. 

On XX/XX/XXXX, I received notice that the transfer had been halted. Since then, every attempt Ive made to execute transfers online has been blocked. On XX/XX/XXXX, I again contacted customer service to request that my transfers be unblocked. After being placed on hold for approximately 10 minutes, the representative informed me that the issue had been escalated and that I would receive a call within an hour. No such call was received. 

Out of concern, I logged into my account to review my statements. I discovered that online statement access was not functioning, so I manually requested my past 12 months of statements one by one. The bank responded through the websites secure message centerbut instead of my own account information, I received the statements of another customer. I now have full access to that individuals private account statements. 

This serious data breach, combined with the unexplained transfer restrictions and lack of communication from XXXX XXXX, raises concerns about both the banks internal controls and its data security practices. Given recent reports in the news regarding questionable executive conduct at the institution, I am deeply concerned that these issues reflect a broader culture of mismanagement and poor oversight.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute inaccurate information that appears on my credit report. After reviewing my file, I noticed discrepancies that do not accurately reflect my financial history and may be misleading. Under FCRA 1681i ( a ), I have the right to dispute and request a full reinvestigation of any information I believe to be incorrect or incomplete. I respectfully request that this matter be thoroughly reviewed and corrected to ensure the accuracy and fairness of my credit report.DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP
State: LA

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by American Honda Finance. 
My account has been delinquent since XX/XX/scrub> 2025, yet Honda continues to report the account as open and only 3059 days past due with a past-due amount of {$1500.00}. This is inaccurate and misleading. 
I have contacted American Honda Finance directly to request an accurate update of the account status in accordance with the Fair Credit Reporting Act ( FCRA ), but they have failed to correct or close the account. 
I am requesting that American Honda Finance update the account to accurately reflect its true status or provide documentation justifying the current reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally submit a complaint regarding multiple inaccuracies and improper reporting on my credit report that have caused me significant XXXX  and potential harm to my financial reputation. Despite my efforts to correct these errors with the respective institutions, the issues remain unresolved. 

The issues are as follows : Wrong Addresses Reported : XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX Incorrect Account Information and Reporting : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, High Credit : {$0.00} Reported as Charge Off, which is inaccurate. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, High Credit : {$110.00} Reported as Collection, which is inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} Reported with Late Payment, which is false. 

Unauthorized/Inaccurate Inquiries : XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These discrepancies are causing me undue XXXX  and may negatively impact my creditworthiness. I request that the CFPB investigate these matters thoroughly and require the credit reporting agencies and respective lenders to correct these errors immediately.

Additionally, I demand written confirmation once all corrections are made and appropriate removal of any inaccurate collections, late payments, or inquiries that are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: GA

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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I formally dispute the entries associated with accounts I did not establish. Kindly conduct a thorough audit and delete them. Supporting documentation is enclosed.

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