vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 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: VA

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXXXXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXX  * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$740.00} XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-29 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: Early Warning Services, LLC
State: OH

Complaint narrative:
I tried to open a bank account and was denied. My personal information was bought and sold for monetary gain without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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:
My ID was stolen and used to buy a phone through XXXX XXXX XXXX XXXX 
I have reported the theft to Police, FTC, and XXXX XXXX XXXX. 
We are working on resolving the theft. XXXX has already removed the debt from my credit report. 
Experian has not allowed me in to an old account. There is no ability to talk to a real person to resolve my case, or fix my online account. 
A company with this much power over the people should have humans available to resolve disputes. 
My report is not attainable through Annual Credit Report, so I'm not allowed to even see my report. I have managed to start a phone dispute, but this does not allow me to upload my supporting documents.

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 2025-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/XXXX, I received a text message from someone claimed to be Wells Fargo. Asking if I authorized a purchase, reply yes or no. I then texted that number saying no. After I did someone called me with the number XXXX ( XXXX ) XXXX. The man on the phone was impersonating a Wells Fargo employee. Giving me instruction 's to secure. My account from fraud. He used this excuse to hack my Wells Fargo account. During this process I couldnt sign into my account. He then gave me a temporary password XXXX to sign into my account. It worked. He then did a cash transfer from my Wells Fargo credit card account ( {$1300.00}. ) to my checkings account. He then instructed me to transfer the amount of ( {$1300.00} ) to my XXXX XXXX  and then transfer the amount to a XXXX XXXX which Im assuming belonged to the scammer. He then put me on hold. And never came back. On XX/XX/XXXX I was given a temporary amount of ( {$1300.00} ) until the investigation ends. On XX/XX/XXXX the provision amount of $ ( XXXX ) was revoked and left my account- {$600.00}. I tried calling wells Fargo to resolve this but they denied any assistance due to it being related to XXXX XXXX. They then gave me the XXXX XXXX merchants phone number and told me to resolve it with them and they no longer can help me. XXXX XXXX said they couldnt file a claim due to it being an authorized transaction. So now Im in a situation being 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 2025-08-29 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-29 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I recently submitted a complaint against XXXX as all three credit bureaus are still showing a discharged student loan. Please reference previous cases I filed with the XXXX XXXX XXXX XXXX : XXXX, XXXX, XXXX, and XXXX regarding this matter. The lender stated these items would be discharged from my credit reports and unfortunately they still exist on the reports included via this submission. I was unable to obtain a report from credit bureau, XXXX as it states my account is " frozen '' and the report is temporarily blocked.

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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I recently submitted a complaint against XXXX as all three credit bureaus are still showing a discharged student loan. Please reference previous cases I filed with the XXXX XXXX XXXX XXXX : XXXX, XXXX, XXXX, and XXXX regarding this matter. The lender stated these items would be discharged from my credit reports and unfortunately they still exist on the reports included via this submission. I was unable to obtain a report from credit bureau, Equifax as it states my account is " frozen '' and the report is temporarily blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: WA

Complaint narrative:
I discovered a fraudulent debt collection on my XXXX and XXXX credit report in the amount of {$170.00} from the company DIVERSIFIED ADJUSTMENTS. The original creditor was XXXX XXXX XXXX. I also found and removed phone numbers and addresses on my credit report that I did not recognize and have never had. I have disputed the collection multiple times with the credit bureaus, but have not succeeded in getting the debt removed from my credit report. I have never lived in the state of XXXX, and I can give proof of residence in XXXX, XXXX  during the time this fraudulent charge was made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I did not authorize this inquiry, and I had no contact with the lender on that date.

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 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I paid XXXX  {$350.00} to set up live Real Estate ads. This transaction was started with the intention that they would provide real estate ads to get leads. They could not set me up due to several technical issues. After the constant calls, emails, and texts. I sent the representative that signed me up for the service to cancel everything because they couldn't get it set up. See attached screenshot of text. No one responded. I did not receive any ads for leads that were supposed to went live whatsoever!!! Therefore, there were no services rendered!!! They STOLE my money!!! I've attached the text of the cancellation and the screenshot of the service agreement they wanted me to sign to begin their service, which I did not sign because they were not able to set up services. I did NOT sign their service agreement see screenshot!!! This is FRAUDULENT!!!! They stole my money that they did not provide services for!!! Please credit my money back to my account. Claim # XXXX & XXXX Capital one is refusing to review and take into account my emails and screenshots proving no services were rendered to even comply with the terms & conditions that XXXX or XXXX sent to Capital One for their denial. Bottom line, I paid for services I did not receive!! I did NOT sign a service agreement and my email is proof! They stole my money. I need my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: DISCOVER BANK
State: CA

Complaint narrative:
Discover is not refunding a fraudulent charge and is siding with the merchant ( XXXX ) in the amount of XXXX , and XXXX . Transactions occurred XX/XX/XXXX. Dispute filed XX/XX/XXXX. Still I have a posted charge for those transactions and they refuse to credit my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C. 1681. The account below has violated my rights. 15 U.S.C. 1681 Section 602 A State : I have the right to privacy. 15 U.S.C. 1681 section 604 A : It also states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681s-2 ( A ) ( a ) Section states : no consumer reporting agency may made any consumer report containing any of the following items of information. Any other adverse item of information, other than the records of convictions of crimes that antedate the report by more than seven years. 15 U.S.C. 1681c. ( a ) ( 5 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Delete the accounts below : EQUIFAX XXXX XX/XX/year>, XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$310.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$680.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$430.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
Please false and derogatory charge off/collection on my credit report. I am not responsible for this and demand that they immediately respond the false statement on my credit report. Please include sanctions for this company as they are defaming my character. I will file a lawsuit immediately against this company, and any and all credit reports that advertise false information on 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 2025-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The Following companies, XXXX, Experian, XXXX, XXXX, XXXX, XXXX, are in possession of my stolen credit card ( 15 usc 1602 ) personal social security account information, absent my knowledge, consent and/or agreement ( 15 usc 1692c ). I have forwarded an opt out demand, verification disclosure, cease and desist communications letter to the aforementioned, identifying the identity theft accounts. XXXX, et al, has failed and/or refused to implement a block. I have also demanded specific verifications : ( 1 ) Any insurance claims ; ( 2 ) chain of title ;, i.e. I also requested individual verification by companies affiliated, which has gone unanswered.

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 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I am filing this complaint regarding unauthorized transactions on my bank account. 

On XX/XX/year> I deposited {$9000.00} cash into my account. A few days later, I discovered two large unauthorized transactions one for approximately {$4000.00} and one for {$5000.00}. The {$5000.00} transaction was pending when I contacted the bank immediately to report the fraud. I was instructed to wait until it posted before a dispute could be filed. I complied and opened a dispute for the XXXX as soon as possible, in the middle of filing the dispute i was told there was more small transactions totaling to about {$99.00} so the claim was now for {$4000.00} and the {$5000.00} was pending still. 

Despite my prompt reporting, the bank denied my claim, stating that because I logged into online banking during the dispute process, this showed I was aware of and authorized the charges. This conclusion is incorrect. 

The only reasons I logged into my account were : 1.To confirm my {$9000.00} cash deposit after deposit at the branch because before this fraud occurred and i deposited {$9000.00} i had Deposited {$3000.00} and there was {$2500.00} taken out of my account to settle a charged off account that i did not know about so i frequently checked my account to make sure the {$9000.00} i just deposited after losing {$2500.00} was still there and no more money was pulled from my account for any debts if i had any, after a few days i came passed i came across the {$4000.00} and {$5000.00} transactions which is when i immediately contacted the bank. 

2.After the claim was submitted i logged in to view the pending fraudulent charges after reporting them as i was told to monitor my account for the provisional credit that I was told would be issued. 

Logging into my account to check my balance and monitor a dispute does not constitute authorization of fraudulent charges. 

Under Regulation E ( 12 CFR Part 1005 ), I am entitled to protection against unauthorized electronic fund transfers as long as I reported the fraud promptly, which I did. The bank has failed to comply with its obligations by wrongfully denying my claim and refusing to issue provisional credit. 

Requested Resolution : Reversal of the denial decision. 
Issuance of the appropriate provisional credit. 
Written explanation of the investigation findings, including all evidence used. 

I am requesting CFPB assistance to ensure the bank follows the law and resolves this issue fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: CBC Companies, Inc.
State: IL

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 XXXX  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