vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year> at about XXXXXXXX XXXX XXXXXXXX I went to XXXX XXXX through ATM to deposit roughly XXXX in cash - I do not know the exact amount but I do know I had ( XXXX ) XXXX dollar bill, ( XXXX ) XXXX dollar bills and a few XXXX dollar bills, one of which I believe might have been slightly torn in a corner. So essentially I do not know how many XXXX dollar bills were there. After entering my bills for deposit the machine said showed an error on screen and canceled the transaction. I tapped my card so that was already not in the machine. The machine went back to the home page and said " cash deposits not available now ''. While staying at the machine I called Wells Fargo to report the incident, they filed the claim and cleared me XXXX XXXX away. Probably driving away at about XXXXXXXX XXXX 

After the 10 days I noticed online my claim was closed but no money was ever deposited in my account. I called wells fargo claim center 3 times and never got an answer. I called the regular line and was told they found no errors or discrepancies at the ATM. I asked to relook and was told there is nothing else they can do and was told a letter would be in the mail to tell me the claim was closed... I am still missing my money and they have 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 explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because Experian is reporting a bankruptcy on my credit report that I believe is inaccurate, unverifiable, and possibly outdated. 

I submitted a dispute to Experian regarding this bankruptcy and also sent a formal written Method of Verification request under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ) ( B ) ( iii ). I specifically asked Experian to disclose : 1. The name and contact information of the source or furnisher of the bankruptcy record 2. A description of the method used to verify the bankruptcy 3. Any documentation used during their investigation Instead of complying, Experian responded with a boilerplate letter explaining their general dispute process. They did not provide any of the information required by law. They also falsely claimed my request lacked details, despite the fact that I included all identifying information, a copy of my government-issued ID, and specifically referenced the bankruptcy item. 

Furthermore, I have blocked my XXXX file, which is commonly the vendor used by Experian to collect public records, including bankruptcies. This raises the question of how Experian could have verified the item if they could not access the usual source and the bankruptcy court itself does not furnish data directly to credit bureaus. 

Experians failure to respond appropriately appears to be a violation of the FCRA, and I am requesting that the CFPB investigate Experians dispute procedures, compel them to either provide full verification details or remove the bankruptcy from my credit file, and ensure compliance with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: MO

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : 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 XXXXXX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant XXXX  and financial XXXX, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2025-06-13 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperianXXXX XXXX XXXX XXXX XXXXSubject: Request for Block of Fraudulent Information Under 15 U.S.C.  1681c2 (Identity Theft)\nTo Whom It May Concern,\nI am writing to formally dispute certain information on my credit report that I believe is the result of identity theft. Pursuant to 15 U.S. Code  1681c2, I request that the following fraudulent information be blocked from my credit report:\n1.\tCreditor Name: XXXX XXXXAccount Number: XXXXXXXXnDate OpenedXXXX XXXXReason for Dispute: I did not open or authorize this account. It is the result of identity theft.\n\n2.\tCreditor Name: XXXX XXXX XXXXAccount Number: XXXXDate Opened: XXXXReason for Dispute: I did not open or authorize this account. It is the result of identity theft.\n\n3.\tCreditor Name: XXXX XXXXAccount Number: XXXXDate Opened: XXXXReason for Dispute: I did not open or authorize this account. It is the result of identity theft.\n\n4.\tCreditor Name: XXXX XXXXAccount Number: XXXXnDate Opened: XXXXReason for Dispute: I did not open or authorize this account. It is the result of identity theft.\n\n5.\tCreditor Name: XXXX XXXXAccount Number: XXXXDate Opened: XXXXReason for Dispute: I did not open or authorize this account. It is the result of identity theft.\n\n6.\tCreditor Name: XXXX XXXX XXXX XXXX XXXX XXXX XXXXnReason for Dispute: I did not open or authorize this account. It is the result of identity theft.XXXXCreditor Name: XXXX XXXX XXXX XXXX XXXXReason for Dispute: I did not open or authorize this account. It is the result of identity theft.XXXXtCreditor Name: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not open or authorize this account. It is the result of identity theftXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnReason for Dispute: I did not open or authorize this account. It is the result of identity theft.\n\nIn accordance with the Fair Credit Reporting Act (FCRA), I am including the following documentation to support my request:\n1.\tProof of Identity  A copy of my government-issued ID and a utility bill showing my current address.\n2.\tRequest for Block  This letter serves as my formal request to block the information from my credit report under the authority of 15 U.S.C.  1681c2.\nPlease conduct any necessary investigation and block the fraudulent information within the timeframe required by law. Also, notify me in writing once the block has been implemented, or if you choose not to implement the block, provide a written explanation as required by the FCRA.\nThank you for your prompt attention to this matter. Please contact me if you require any additional information.\nSincerely,XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperianXXXX XXXX XXXX XXXX XXXXSubject: Request for Block of Fraudulent Information Under 15 U.S.C.  1681c2 (Identity Theft)\nTo Whom It May Concern,\nI am writing to formally dispute certain information on my credit report that I believe is the result of identity theft. Pursuant to 15 U.S. Code  1681c2, I request that the following fraudulent information be blocked from my credit report:\n1.\tCreditor Name: XXXX XXXXAccount Number: XXXXXXXXnDate OpenedXXXX XXXXReason for Dispute: I did not open or authorize this account. It is the result of identity theft.\n\n2.\tCreditor Name: XXXX XXXX XXXXAccount Number: XXXXDate Opened: XXXXReason for Dispute: I did not open or authorize this account. It is the result of identity theft.\n\n3.\tCreditor Name: XXXX XXXXAccount Number: XXXXDate Opened: XXXXReason for Dispute: I did not open or authorize this account. It is the result of identity theft.\n\n4.\tCreditor Name: XXXX XXXXAccount Number: XXXXnDate Opened: XXXXReason for Dispute: I did not open or authorize this account. It is the result of identity theft.\n\n5.\tCreditor Name: XXXX XXXXAccount Number: XXXXDate Opened: XXXXReason for Dispute: I did not open or authorize this account. It is the result of identity theft.\n\n6.\tCreditor Name: XXXX XXXX XXXX XXXX XXXX XXXX XXXXnReason for Dispute: I did not open or authorize this account. It is the result of identity theft.XXXXCreditor Name: XXXX XXXX XXXX XXXX XXXXReason for Dispute: I did not open or authorize this account. It is the result of identity theft.XXXXtCreditor Name: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not open or authorize this account. It is the result of identity theftXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnReason for Dispute: I did not open or authorize this account. It is the result of identity theft.\n\nIn accordance with the Fair Credit Reporting Act (FCRA), I am including the following documentation to support my request:\n1.\tProof of Identity  A copy of my government-issued ID and a utility bill showing my current address.\n2.\tRequest for Block  This letter serves as my formal request to block the information from my credit report under the authority of 15 U.S.C.  1681c2.\nPlease conduct any necessary investigation and block the fraudulent information within the timeframe required by law. Also, notify me in writing once the block has been implemented, or if you choose not to implement the block, provide a written explanation as required by the FCRA.\nThank you for your prompt attention to this matter. Please contact me if you require any additional information.\nSincerely,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 2025-06-13 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: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
I have been trying to get a house, car, etc in my own name for years. I have submitted FTC Report to all credit bureaus to please remove these fraudulent accounts on credit history as they do not belong to me. Companies have not provided me with further proof at all. Please remove fraudulent accounts : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc.
State: WA

Complaint narrative:
I had some unrecognized merchant charges on my CassApp transactions, so I filed the dispute. Cashapp has denied my disputes and they are not giving me acceptable reasons for the denial. I've asked the via email and in app Chat support daily for past week. CashApp is making me chase in circles between chat and email without giving me clear reason behind denial. One email came in which is considered document they relied their decision, but all it was just same transaction report I can get it from history. It tells me they did not do any investigation about the transaction and my dispute. Let alone look in to my multiple demands for invoice, shipping info, merchant address, product descriptions .. etc ... CashApp Now they are telling me case is closed, because I didn't respond for three days. It is CashApp that is not responding to my daily request via both chat and email for the denial explanation. Now, they are completely trying to ignoreme, sometimes responding on chat support takes up to two hours, or just disconnects me. Now they also have closed my account and telling me they can't disclose the reason for it. One time they told me that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: MD

Complaint narrative:
I discovered an unauthorized and inaccurate collection account on my credit report from EXPERIAN associated with XXXX XXXX XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ). 

Despite my formal dispute and request for a thorough investigation, EXPERIAN has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.

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 2025-06-13 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: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: TX

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-06-13 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: CA

Complaint narrative:
XXXX'This CFPB complaint has been filed to request pursuant to FCRA  605B (15 U.S.C.\n 1681c-2) that you, the Experian credit reporting agency, block information\nappearing on my consumer credit report that is the result of identity theft and fraud\nwithin 4 business days of you receiving this complaint. The following items do not\nbelong to me and is a result of fraud that I did not authorize:\nAlso, would like to have all addresses and names REMOVED from my credit report,\nexcept\nfor my only name and address listed below:\nName: 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 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 2025-06-13 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-13 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: CA

Complaint narrative:
XXXXThis CFPB complaint has been filed to request pursuant to FCRA  605B (15 U.S.C.\n 1681c-2) that you, the XXXX  credit reporting agency, block information\nappearing on my consumer credit report that is the result of identity theft and fraud\nwithin 4 business days of you receiving this complaint. The following items do not\nbelong to me and is a result of fraud that I did not authorize:\nAlso, would like to have all addresses and names REMOVED from my credit report,\nexcept\nfor my only name and address listed below:\nName: 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

Company response to consumer: Closed with non-monetary relief