vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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

1681c-2 ) that you, the Experian credit reporting agency, 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to report unauthorized and fraudulent activity on my credit report. I had no role in opening these accounts and am not responsible for any transactions related to them. Per 15 U.S.C. 1681g, I request their removal within 15 days. Documentation has been provided as proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX I lodged a transaction dispute for fraudulent activity and was told that they would handle the claim. I then asked about provisional credit so that my account would not be in the negative. ON Friday XX/XX/XXXX I called and they transferred me to a Senior escalation Lead who told me that they would have an turnaround time of 24-48 hours. I called back again today and spoke with a claims representative who was able to confirm that he saw the notes where I was promised 24-48 hours. He then transferred me back to the Senior escalations department where a different person said that there was nothing that could be done except adding an additional note to ask for an expedited credit. He advised that it would take 2- 10 business days- which is not what I was told. I don't see how i was not informed even if something caused a delay, why wasn't I notified. This has impacted my account is now in the negative.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I am writing to request verification of the debt referenced above, which you claim I owe. This is not a refusal to pay but a request for information regarding your claim. I assert my right to a written validation of this debt under the laws set forth in the Fair Debt Collection Practices Act. 

Please provide the following : 1. Verification and validity of the debt, including the amount owed and calculations to substantiate the sum, as well as a breakdown of any fees, interest, or other costs added.

2. A copy of the original signed agreement or instrument that states I agreed to pay the creditor.

3. Verification that your agency is legally permitted to collect this particular debt in my state, including licensing information. 
XXXX. The name and address of the original creditor. 
XXXX. Details of the last payment made on this account, showing any transactions related to this account. 

Please note that I request all future communication regarding this matter be conducted in writing. 

If you can not provide the requested information, I expect the collection attempt to be ceased and for this account to be removed from my credit report with any bureau to which you may have reported. 

While you are verifying this debt, I would appreciate your cooperation by halting any future collection activities. In accordance with my rights, please provide the requested documentation to help me better understand and validate your claim. 

Thank you for your prompt attention to this matter. 

Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
In XX/XX/year>, I discovered over XXXX unauthorized transactions on my XXXX checking account, totaling thousands of dollars. These include charges from merchants such as XXXX, XXXX XXXX, XXXX XXXX, XXXX, and other vendors that I do not typically patronize and, in many cases, have never used. 

From XXXX to XX/XX/year>, I was in an unstable housing situation where multiple individuals had access to my personal items. My debit card would often go missing and then reappear, leading to unauthorized use that I did not approve. I did not receive any of the goods or services tied to these transactions and do not have receipts or order confirmations because I never authorized these purchases. 

Timeline of my efforts to resolve this with SoFi : XX/XX/year> I noticed and immediately reported the unauthorized transactions to SoFi and filed a police report with the XXXX Police Department ( Case # XXXX ). 
XXXX XXXX XXXX, XXXX  I submitted multiple detailed written statements to SoFi explaining that these transactions were unauthorized and should be handled as identity theft, not routine disputes. 
XX/XX/year> I filed an official identity theft report with the FTC ( XXXX ). 
XX/XX/year> I sent a final written statement to SoFi demanding that all disputes be reopened and treated as identity theft cases, with supporting documentation including the police report and FTC complaint. 
XX/XX/XXXX, XXXX I have followed up repeatedly with SoFi as they continue to deny the majority of these disputes, reverse provisional credits, and insist that no unauthorized activity occurred. Inconsistent decisions were made : some transactions were initially recognized as unauthorized, but othersfollowing the same suspicious patternswere not. 

I have made it clear to SoFi that I did not authorize these transactions. My historical spending patterns show no relationship to these merchants or transactions, and I have repeatedly explained that these purchases were made by someone with physical access to my card, not by me. 

This situation has caused significant financial hardship, jeopardizing my housing and ability to pay for basic needs. 

I am requesting that the CFPB ensure SoFi reopens all disputed transactions as identity theft cases, reinstates any reversed provisional credits, and issues final refunds for these unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing to request verification of the debt referenced above, which you claim I owe. This is not a refusal to pay but a request for information regarding your claim. I assert my right to a written validation of this debt under the laws set forth in the Fair Debt Collection Practices Act. 

Please provide the following : XXXX. Verification and validity of the debt, including the amount owed and calculations to substantiate the sum, as well as a breakdown of any fees, interest, or other costs added. 
XXXX. A copy of the original signed agreement or instrument that states I agreed to pay the creditor. 
XXXX. Verification that your agency is legally permitted to collect this particular debt in my state, including licensing information. 
XXXX. The name and address of the original creditor. 
XXXX. Details of the last payment made on this account, showing any transactions related to this account. 

Please note that I request all future communication regarding this matter be conducted in writing. 

If you can not provide the requested information, I expect the collection attempt to be ceased and for this account to be removed from my credit report with any bureau to which you may have reported. 

While you are verifying this debt, I would appreciate your cooperation by halting any future collection activities. In accordance with my rights, please provide the requested documentation to help me better understand and validate your claim. 

Thank you for your prompt attention to this matter. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
I checked my credit report on XXXX XXXX and I noticed that a creditor that I don't have a verbal agreement or signed contract with, Wakefield & Associates, has placed an unknown account for collection. I've never agreed verbally or I've never signed a contract to be in a payment plan with them. I dispute this information. I don't know who they are. I want them to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
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 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. 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 XXXX IL XXXX ACCOUNTS : XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX  - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC bank has frozen my accounts because my business partner sent in the operating agreement saying he is a XXXX  % member but he left the company and I have an attorney working on having him removed. PNC said I have to add him back on ( no court order ) and I actually said I would but he is refusing to come into the bank to unfreeze it. I am a XXXX XXXXXXXX and need to pay my employees and finish XXXX XXXX  ( big liability ). PNC will not unfreeze my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

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 2025-06-10 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block - 15 USC 1681i ( 5 ) - 15 USC 1681i ( a ) 1 - 15 USC 1681i ( a ) 6 ( B ) 3 - 15 USC 1681i ( a ) ( 5 ) B 15 USC 1692A 15 USC 1692A-3 15 USC 1692A5 15 U.S.C 1681 Section 602 A. State I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states 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 PLEASE REMOVE ALL ACCOUNTS A.S.A.P 15 U.S.C 1681 Section 602 A. State I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 USC 1681IS-2 15 USC XXXX XXXX : XXXX XXXX XXXX Account number - XXXX Account # : - XXXXXXXX XXXX XXXX XXXX XXXX  Date opened : XXXX XXXX, XXXX - Balance - {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX Account # : - XXXXXXXX XXXX XXXX  Date opened : XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX creditor : XXXX XXXX  XXXX Account number - XXXX Date opened ; XX/XX/XXXX - Balance : {$640.00} XXXX XXXX XXXX XXXX XXXX creditor : XXXX XXXX Account number : XXXX Date opened : XX/XX/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 non-monetary relief
Consumer complaint received 2025-06-10 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block - 15 USC 1681i ( 5 ) - 15 USC 1681i ( a ) 1 - 15 USC 1681i ( a ) 6 ( B ) 3 - 15 USC 1681i ( a ) ( 5 ) B 15 USC 1692A 15 USC 1692A-3 15 USC 1692A5 15 U.S.C 1681 Section 602 A. State I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states 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 PLEASE REMOVE ALL ACCOUNTS A.S.A.P 15 U.S.C 1681 Section 602 A. State I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 USC 1681IS-2 15 USC XXXX XXXX : XXXX XXXX XXXX Account number - XXXX Account # : - XXXXXXXX XXXX XXXX XXXX XXXX  Date opened : XXXX XXXX, XXXX - Balance - {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX Account # : - XXXXXXXX XXXX XXXX  Date opened : XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX creditor : XXXX XXXX  XXXX Account number - XXXX Date opened ; XX/XX/XXXX - Balance : {$640.00} XXXX XXXX XXXX XXXX XXXX creditor : XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
I received a credit alert this morning for a collection placed on my credit file with XXXX  with the following information : Account name JEFFERSON CAPITAL SYSTEMS Also known as JEFFERSON CAPITAL SYST Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$240.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$240.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$240.00} Highest balance - Terms 1 Month On record until XXXX XXXX I do not know who XXXX XXXX XXXX or XXXX are since I did not take any credit with them or from them for {$240.00} in XX/XX/XXXX. I have {$18000.00} with of credit limit and there are no reasons to take {$240.00} of new credit with these XXXX companies. 

I beleive fraud or identify theft is being committed against me .I am seriously concerned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 non-monetary relief