vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-30 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: NV

Complaint narrative:
After receiving notice from Equifax that my personal information was compromised in a confirmed data breach, I discovered multiple unauthorized and fraudulent accounts appearing on my credit report. I immediately contacted Experian, TransUnion, and Equifax to dispute these accounts and submitted documentation supporting that these debts were not incurred by me. 

Despite my disputes, all three credit bureaus verified the information without providing any supporting documentation from the furnishers. This failure to properly investigate and validate the accuracy of these accounts violates : 15 USC 1681i ( a ) ( 1 ) : Duty to conduct a reasonable reinvestigation 15 USC 1681e ( b ) : Duty to ensure maximum possible accuracy 15 USC 1681i ( a ) ( 7 ) : Right to a description of verification procedures 15 USC 1692g and 1692e ( 8 ) : Duty of furnishers to validate debts and not report false information The continued reporting of these fraudulent accounts has caused significant harm, including denials of credit, emotional distress, and financial hardship. Experian, TransUnion, and Equifax have failed to comply with federal law by allowing unverifiable and inaccurate information to remain.

I respectfully request that the CFPB compel the credit bureaus and furnishers to provide full validation of each disputed account or immediately delete them from my credit reports to restore the integrity of my consumer file. 

Unauthorized Accounts Listed Below : 1 ) XXXX XXXX XXXX  Amount : {$430.00} Date OpenedXXXX 2 ) XXXX XXXX XXXX Amount : {$4700.00} Date OpenedXXXX Incorrect names listed : 1 ) XXXX XXXX 2 ) XXXX XXXX Unauthorized inquiries with no permissible purpose : 1 ) XXXX XXXX 2 ) XXXX 3 ) XXXX XXXX XXXX XXXX XXXX XXXX  4 ) XXXX XXXX XXXX  5 ) XXXX XXXX XXXX 7 XXXX XXXX XXXX XXXX 8 ) XXXX/XXXX  XXXX 9 ) XXXX XXXX XXXX 10 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 2025-11-30 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
The information on all three credit reports are fraudulent and inaccurate. I have vigorously fought these inaccuracies and fraudulent implementation by filling an FTC report and filing XXXX XXXX XXXX  complaints as well. 

I have suffered financially and lost several opportunities due to inaccuracies and fraudulent reporting from 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 2025-11-30 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 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: Chime Financial Inc
State: GA

Complaint narrative:
XX/XX/year> Chime Bank app {$150.00} I did some work from a friend of mine and he paid me through pay anyone chime app the money said completed but it did not show up on my Mobile account so they told me to do a dispute when I did the dispute they came back and said something about fraud I did a transaction from my XXXX account to my time account transaction to transaction and it said my name both cards so I'm trying to see how it's from then on top of that they put that I paid for virtual games when I only did a transaction to transaction and my friend paid me to pay anyone time account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
Cease and Desist Pursuant to 15 U.S.C. 1692c ( c ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX NC XXXX XXXX XX/XX/year> State Employees Credit Union XXXX XXXX XXXX XXXX, NC XXXX Re : Notice to Cease Communication Regarding Alleged Debt To Whom It May Concern : I am writing to formally notify you that, pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), you are hereby instructed to cease all communication with me regarding any alleged debt you claim I owe.

Under federal law, once a consumer notifies a debt collector in writing to cease communication, the collector must stop contacting the consumer except for the limited purposes allowed by statute, including : 1. Advising that further efforts to collect the debt are being terminated ; 2. Notifying that certain remedies may be invoked ; or 3. Notifying that the collector intends to invoke a specific remedy.

This letter serves as my written request for you to immediately stop contacting me by phone, mail, email, text message, or any other method.

Please also note that any further unauthorized communication from your office may constitute a violation of the FDCPA and may be reported to the Consumer Financial Protection Bureau, the Federal Trade Commission, and the Attorney General of my state.

This request does not constitute acknowledgment of the debt and should not be interpreted as permission to report inaccurate information to any credit bureau. If you have already reported information that is incorrect or can not be verified, you are required to correct or remove it.

Thank you for your prompt compliance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AK

Complaint narrative:
I don't see anywhere the date of first delinquency on this entry. It has been this way forever, I have disputed accuracy of this account previously. Per the investigation on the situation, the bank and credit bureau ( XXXX ) found the information incomplete. It was removed, however, it was reinserted without notice and it is reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX, a national bank allowed a third party to open and control a Social Security representative-payee account and to redirect federal XXXX XXXX XXXX XXXX deposits for a XXXX dependent adult who can not speak, type, or submit documents on his own. The bank accepted documents from someone claiming to be the customers legal representative, even though that person was in ongoing litigation with the customer, was previously subject to a restraining order, and had no conservatorship or legal authority. 
In XX/XX/XXXX, the Social Security Administration issued a written determination confirming the bank was treating this third party as the customers representative payee after an in-office interview, but without referencing the valid XXXX Durable Power of Attorney ( POA ) or court orders rejecting the third partys claims. In XX/XX/XXXX, XXXX issued an annuitant statement showing that the legal representative had been changed and that federal payments were being sent to a bank account ending in XXXX controlled by the same unauthorized individual. 
The XXXX adult did not submit any documents, and the actual agent under a XXXX Durable Power of Attorney was never notified that the bank accepted new authority or changed addresses, emails, or phone numbers. The bank already had the XXXX POA on file when the unauthorized representative-payee account was opened, and later received court orders issued in XX/XX/XXXX affirming the validity of that POA and denying the third partys competing claims. 
Despite multiple fraud reports and clear indicators of dependent-adult financial exploitation ( unauthorized address change, unauthorized contact change, impersonation of a legal representative, redirection of government benefits, contradictory identity information ), the bank did not freeze the account, did not request verification of authority, and did not submit any mandated elder-abuse or suspicious-activity reports. 
When contacted, the bank refused to explain how the unauthorized account was opened, what documents were accepted, or why the valid POA and later court orders were not honored. The bank issued generic privacy statements ( attached XX/XX/XXXX letters ) instead of addressing the misconduct, even though the bank itself had previously acknowledged the complaints were submitted on behalf of the XXXX adult. 
This has resulted in misdirected federal benefits, loss of access to needed funds, and continued vulnerability to financial exploitation. I consent to publication so others can learn from this experience.

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 2025-11-30 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: NV

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

DEPT OF ED/XXXX Account number XXXX Account type Education Date opened XX/XX/XXXX Balance {$4500.00} Account name DEPT OF ED/XXXX Account number XXXX Account type Education Date opened XX/XX/XXXX Balance {$3400.00} XXXX Account number XXXX Account type Loan Date opened XX/XX/XXXX Balance {$720.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Westcreek Financial
State: TX

Complaint narrative:
I have no knowledge of this account with Koalafi, they should verify thus is me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
I contacted Indigo Mastercard about the debt XXXX XXXX is attempting to collect on and has on my credit reports. I received communication from the original creditor stating " Your account was not charged off and sold to XXXX XXXX. '' I sent a copy of this communication to XXXX XXXX and they are still attempting to a collect this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I had a Gap Insurance policy when wells fargo bank repossesed my truck and they never did mention that I am seeing and being told that I should have been paid for that as well. Because of the forced repo. I would like that money

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 2025-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: VA

Complaint narrative:
I have spent the last several days emailing back and forth with the Cash App customer support team, I went to verify my identity because it said I qualified for a XXXX $ loan well the app will not allow me to verify my identity. I have spoken with XXXX different people and the bot just for all of them to send me the same basic list of things to do and even after doing all those nothing worked I have yet to actually receive any real help I am completely unable to send or receive money and I use this app for my direct deposit for work. Its just really frustrating when it seems like nobody is listening. Everyone one just keeps telling me I have to verify my identity but thats exactly what Im trying to do

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: PA

Complaint narrative:
I co-signed the loan, furbaranced it 2x. On social security XXXX. Less than {$1000.00} a month paid loan back in full with interest. I have every payment and statement from XXXX. They never got a XXXX from the student. I tried over 4 months to get it straightened out. They said I would get my name off of the loan if I got the paperwork done from the doctor and I did. I faxed, emailed and sent certified by mail to XXXX. I paid back more than 3 times the amount of the loan causing me hardship. I have the dates and everything I got. I feel even though I paid it in full I should be reimbursed for all I went through. Its the least they can do. This was back in XXXX for many many years. I am on there recordings if they still have them about 30 of them. I was lied to back when I signed the loan, during and after the student graduated and they came after me for the loan. 
XXXX XXXX smart option student loan through XXXX loan number XXXX still paying it in XXXX. Hope I gave you enough I have about 40 pages of evidence. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: GA

Complaint narrative:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and XXXX  health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

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 2025-11-30 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: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Capital One XXXX XXXX XXXX XXXX, XXXX  XXXX Request a Debt Validation Letter [ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Email Address ] [ Phone Number ] [ Date ] * * [ Creditor 's Name ] * * [ Creditor 's Address ] [ City, State, Zip Subject : Request for Debt Validation Dear Capital One I am writing to formally request validation of the debt associated with the account number * * [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which I believe to be inaccurate. According to my records, the last payment was made on * * XX/XX/year> * *, and the account was marked as * * '' Canceled by credit grantor '' * * on * * XX/XX/year> * *. 

In accordance with the Fair Debt Collection Practices Act, I request that you provide the following information : 1. * * Verification of the Debt * * : Please provide documentation that confirms I am responsible for the debt. 
2. * * Account Details * * : A complete account statement showing the original balance of * * {$630.00} * *, any payments made, and the current balance of * * {$390.00} * *. 
3. * * Proof of Ownership * * : Documentation that proves you own the debt and have the right to collect it. 
4. * * Details of Credit Reporting * * : Information regarding how this debt has been reported to the credit bureaus, including XXXX  and any other agencies. 

Please send this information to my address listed above. I appreciate your prompt attention to this matter, and I look forward to resolving this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation