vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 

According to 15 U.S. Code 1681c-2, This is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a results of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. 
Fraudulent account : XXXX. XXXX XXXX XXXX Fraudulent Inquiry : 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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX XXXX  XXXX Subject : Complaint Regarding Unresolved Credit Report Dispute with Equifax To Whom It May Concern, My name is XXXX XXXX, and I am writing to formally file a complaint against Equifax Information Services LLC regarding their failure to adequately address multiple disputes I submitted concerning inaccurate late payments and unauthorized credit inquiries appearing on my credit report. My date of birth is XX/XX/XXXX. 

On [ XX/XX/XXXX ], I submitted a detailed dispute letter to Equifax at the following address : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, XXXX  XXXX Despite fulfilling all requirements under the Fair Credit Reporting Act ( FCRA ) and submitting complete documentation, Equifax has been extremely slow to respond and has shown a reluctance to resolve the matters raised. 

In my original dispute letter, I clearly identified the following inaccurate accounts : XXXX XXXX XXXX, Account Ending in XXXX : I have previously disputed this entry, and I maintain that the information reported is inaccurate. I respectfully request its removal if it can not be verified. 
XXXX Credit Card, Account Ending in XXXX : This entry has also been previously disputed, and I continue to challenge its accuracy. 

Additionally, the following unauthorized or unverifiable inquiries remain on my credit report, and I request their removal unless verified : XXXX XXXX Via Dealer XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under 15 U.S.C. 1681i ( a ) of the FCRA, I have the right to a timely and thorough reinvestigation of any disputed information. If an item can not be verified, it must be promptly removed from my credit report. Equifax has failed to meet this obligation. 

I am requesting the CFPBs assistance in ensuring that Equifax completes a full and fair investigation and removes all inaccurate or unverifiable information from my credit report as required by law. 

Enclosed are copies of my original dispute letter, relevant documentation, and my credit report showing the disputed entries. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-07-17 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: NV

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

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

1681c-2 ) that you, the Equifax Information Services , 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 Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: IL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-07-17 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: IL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I requested that my XXXX  card interest be lowered due to on time payment for over 5 yrs I wasnt given a reason why the interest could not be lowered

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The aim and reason of filling CFPB complaint is being victim of identity theft. There are 2 fraud accounts reporting on my Experian and Equifax credit reports. One is fraudulent collection from XXXX XXXX XXXX. Another one is fraudulent account from XXXX XXXX XXXX. I called both creditors many time. I reported account as fraudulent and requested original contract with my verified signatures. They are not able to provide it or give any reasonable proof that account is mine. They all time say that accounts are removed from my name, but they are still reporting on my credit reports. The fraud accounts are removed from my Transunion credit report and are reporting on my Experian and Equifax reports inaccurately. Please remove above listed 2 fraud accounts from my Experian and Equifax credit reports. Thank 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 explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: V and H Portfolio
State: WI

Complaint narrative:
XXXX and XXXX purchased a debt that was already owned by someone else. Ive been paying on that debt through XXXX, with payments every other week, and finishing in XXXX payments ( XX/XX/year> ). They still reported on my credit report that I owed the full amount to them, when really it is XXXX XXXX paid off and not even truly owned by them. I filed a dispute and they refused to withdraw it, again even when they dont legally own the account. I followed the chain of title and even the original creditor XXXX XXXX XXXX XXXX XXXX claims Vance and Huffman dont own it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing a complaint regarding unauthorized credit inquiries that appear on my credit report from TransUnion. I previously submitted a written dispute on XX/XX/year>, which clearly identified the disputed inquiries as fraudulent and requested their removal. It has been over two weeks, and I have received no response or resolution from the bureau.

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 2025-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
I used XXXX XXXX XXXX ( debt reduction firm ) to deal with XXXX XXXX XXXX. I had XXXX credit cards with them. 2 debts were less than $ XXXX and the other was $ XXXX due to a failed business attempt on my part. XXXX XXXX XXXX was able to get me arrangements to pay of the 2 small debts but XXXX XXXX XXXX would not allow me to get an arrangement for the largest debt. XXXX was advised that I was making payments monthly to a XXXXXXXX XXXX account to pay my debts. XXXX stalled my attempts to get a settlement for a long time. A local lawyer advised me by mail that XXXX had filed a lawsuit against me with the court in Arizona where I reside. I was never notified by XXXX of their intent to file suit against me. I went to my local courthouse and found that it was true that XXXX had a lawsuit filed. I tried to contact the attorney XXXX used to file the suit but was unsuccessful. A month later a process server came to my home and I had the formal notice to appear in court and that XXXX had changed their attorney to the Gurstel Law firm. I contacted Gurstel 's customer service phone number and was told it was too late for me to offer the money I had in XXXXXXXX XXXX XXXX  XXXX. XXXX reported me to all credit bureaus as seriously delinquent in paying my debt. My credit score plummeted and still has not recovered due to this lie. XXXX was aware of XXXX XXXX XXXX 's role and my payments to XXXXXXXX XXXX for settling my debt. I am still paying XXXX until XX/XX/year>XXXX XXXX $ XXXX. I intend to pay my debt in a timely manner but I feel that XXXX treated me unfairly. It may be too late for any change to the court ordered payments. Perhaps your agency can advise BofA to treat debtors like me a bit better in future. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hello, I never signed up for any paid membership with Experian. However, over the past month, I started receiving emails saying I needed to make a payment, which confused me because I had never knowingly subscribed to any service. 

On [ insert date ], {$25.00} was withdrawn from my bank account without my permission. I tried to cancel any membership or account on the official Experian website, but the process is intentionally misleading. There is no clear way to cancel only options to upgrade or switch to another plan. 

I called Experian, and they told me to cancel the {$4.00} membership myself. However, when I log into the app, there is no clear option to cancel. The only available options are to extend or switch to a cheaper plan, but not to cancel. I believe this is intentionally misleading and prevents users from easily unsubscribing. 

I do not understand what this app or service is even used for, and I did not agree to pay for it. This feels deceptive and unauthorized I request a full cancellation of any services under my name and a refund of the {$25.00} that was charged without my consent. Thank you for your attention to this matter. 
Sincerely, 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 monetary relief
Consumer complaint received 2025-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permi transunion permission to furnish this incorrect information on my credit report this violation of the fair credit reporting act section 1681b ( c ) constitutes fraudulent activity, and a serious breach of my privacy rights. Please remove these inquiries from my report. 

XXXX XX/XX/year>

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to demand the immediate deletion of the above-referenced account from my credit file. This account was fraudulently opened in my name without my knowledge, authorization, or consent. I am the victim of identity theft, and this CitiBank account is one of several fraudulent accounts that have been opened using my personal information. 

As part of my identity theft case, I have filed an official Identity Theft Report with the Federal Trade Commission ( FTC ). This report, which is enclosed, includes multiple accounts opened fraudulently, confirming that this is a widespread case of identity fraudnot an isolated incident. 

Additionally, I am being legally represented in this matter. A letter from my attorney, who is actively working on my case and contacting all affected creditors, is also included as supporting documentation.

In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, you are legally required to block and remove any information from a consumers credit file that is the result of identity theft once appropriate documentation is submitted. Further, under FCRA 1681g ( e ), you must disclose the procedures used to verify disputed information. 

Please be aware that my drivers license reflects a previous address, but I have included a recent utility bill to verify my current address.

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 2025-07-17 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: CA

Complaint narrative:
I am writing in response to Wells Fargo 's claim that " no further response will be provided '' regarding my fraud dispute. This is unacceptable and in direct violation of the Consumer Financial Protection Bureaus standards and the protections afforded to me under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. 

To reiterate : I am the victim of a bank impersonation scam, during which scammers, using spoofed caller IDs and pretending to be Wells Fargo employees, convinced me I was protecting my account. Under this deception, I transferred {$9900.00} from my Wells Fargo account to an XXXX XXXX balance. I immediately reported the incident and made it clear this was a case of fraud. 

Wells Fargo has repeatedly denied my claim with copy-pasted letters, falsely stating that I " authorized '' the transaction and that I have no dispute rights because the money was sent via XXXX XXXX XXXX This is factually and legally incorrect : Regulation E requires financial institutions to reimburse consumers for unauthorized electronic fund transfers.

Regulation E also makes clear that fraudulently induced authorization is NOT valid authorization. 
The burden of proof lies with the bank to demonstrate that the transaction was authorized which Wells Fargo has failed to do. 
Wells Fargo has not provided any investigation findings, documents, or evidence to support its position. 
Simply stating the matter is " closed '' does not satisfy XXXX XXXX obligations under federal law. This was not a legitimate transaction. I did not knowingly or willingly authorize it. Wells Fargo is evading its responsibilities and ignoring federal consumer protections. 

I am requesting the following : That Wells Fargo reopen and escalate my claim to a neutral or senior-level investigator outside of the SAGE department XXXX which has failed to conduct a proper review. 
That Wells Fargo reimburse me the full {$9900.00} in accordance with Regulation E and the EFTA.

That they provide copies of all documentation used to justify the denial of my claim. 
That Wells Fargo explain the failure of their fraud detection systems, which should have flagged such a large, unusual transfer. 
This situation remains unresolved and highly distressing. I am prepared to pursue further action, including escalating this through CFPB supervisory channels, filing a complaint with the Office of the Comptroller of the Currency ( OCC ), and exploring legal remedies under consumer protection laws.

Wells Fargo is not above the law. The CFPB must hold them accountable and ensure they meet their obligations under EFTA and Regulation E.

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