vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 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: GA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
Account was opened fraudulently I have not made no payments to XXXX XXXXXXXX This is the second time an account has been opened without my permission They did not provide no information other than Im assuming information used on the application process This account or card is not mine and I do not know who was making payment or what this account was being used for! 

They responded with little information or no information as to who opened this account If someone was making payments it has to be linked to a card That fraud department posted a false investigation

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 2025-04-17 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: MD

Complaint narrative:
i noticed fraudulent activity on report please remove.

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 2025-04-17 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have been a long-standing Wells Fargo customer since the early XXXX, and my mother, and late grandmother were customers as wellmy grandmother for over 30 years, going back to the XXXX days .

Wells Fargo allowed repeated debit card transactions to go through on my account, despite multiple calls on record where I explicitly asked that my debit card be declined if there were insufficient funds. I was charged repeated {$35.00} overdraft feeseven for transactions as small as {$0.00}. These fees accumulated, and my account was eventually overdrawn by more than {$500.00}.

My motherwho was a co-holder on the accountpaid the entire balance. However, Wells Fargo closed our account and without any notice or communication, placed us both on an internal " bank abuse list '' via XXXX XXXX XXXX. 

We did not find out about this until we attempted to open an estate account for my grandmother after her passing. No one from Wells Fargo ever notified us by mail or otherwise about this damaging designation.

I am requesting the CFPB to investigate Wells Fargo for the following : Refusing to follow overdraft preferences after multiple verbal requests and recorded calls Continuing to charge overdraft fees unfairly Failing to notify customers of being reported to XXXX XXXX XXXX Placing customers on internal abuse lists without due process or resolution pathways This situation has harmed both my personal and financial reputation, and I would like this designation reversed, along with a formal explanation from Wells Fargo.

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 2025-04-17 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: TN

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached 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 non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: AR

Complaint narrative:
I used my chime to add money from another bank account of mine to pay for XXXX vehicles on XX/XX/year>. I sent XXXX the first transaction, XXXX for the second, XXXX for the last transaction .. for what she said was the total for both vehicles. The scammer created XXXX account in the name of my mother 's old coworker and made it look exactly like hers. I called chime and they said they can report account as scam but can not give back money. They said I could only request it back from the scammer and they of course said no. The bank told my mom that they can not dispute it because she technically consented. Please help us get our XXXX back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Ava Finance, Inc
State: IA

Complaint narrative:
I had emailed Ava numerous times before my due date letting them know that I wasn't able to add my bank institution and only response I got was that I had gotten back was that I needed to verify my account so I did and was unsuccessful so I emailed again explaining that and I got the same response so I continued to email them explaining that I needed to get this fixed before the due date of my payment and they failed to get back to me on several occasions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: NC

Complaint narrative:
This CFPB complaint is being submitted under the authority of FCRA 605B ( 15 U.S.C. 1681c-2 ) to demand that you Equifax and Experian immediately and without delay block all fraudulent information currently polluting my consumer credit report. You have 4 business days from the moment you receive this complaint to comply. This information is the direct result of identity theft and fraud and must be removed from my fileno exceptions. 

The false data in question includes a fraudulent personal credit card account, multiple unauthorized hard inquiries, and illegitimate collections. I have attached both a list of these fraudulent hard inquiries and a copy of the FICO credit report you maintain, clearly identifying the bogus entries. 

Let me be absolutely clear : I do not recognize, nor did I authorize, any of the accounts, collections, or inquiries referenced in this complaint. I did not open them. I did not request them. I did not initiate them. They are fraudulentperiod. And continuing to report this information after receiving notice of its illegitimacy constitutes a violation of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
Following the filing of a police report for the unauthorized use of my personal information, I contacted National Credit Systems ( XXXX ) regarding a fraudulent collection account that they are reporting to my three credit reports. I requested verification of the account, but National Credit Systems informed me that they are not handling the debt. Instead, they indicated that the account is being managed by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( XXXX ). 

I subsequently contacted the Law Offices of XXXX XXXX XXXX and notified them that the account is fraudulent. I requested verification and validation of the debt account. During our conversation, the representative stated that they do not have additional verification documents for the account, as the file appears to be incomplete and missing the required information. Furthermore, the existing information contains incorrect personal details and lacks a wet signature from me. The document provided was a digitally signed agreement for XXXX XXXX XXXX, a company with which I have never conducted any business. 

I also reached out to XXXX XXXX XXXX at ( XXXX ) XXXX and emailed them a screenshot of the account on my credit reports ( XXXX ). They confirmed that they have never had an account in my name and have not reported any information to the credit bureaus. 

I asked the representative from the XXXX XXXX XXXX XXXX  XXXX XXXX to cease reporting this fraudulent information. However, I was informed that I would need to submit a fraud package to them before they would stop reporting the account to the credit bureaus, despite the existence of my police report. Each time I dispute the account with the credit bureaus, the XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX continues to send the account information back as verified, further damaging my credit profile even though they acknowledge the account is not verifiable. 


Attachments included : Screenshot of my credit Fraudulent Agreement sent from XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: LA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: NC

Complaint narrative:
CBE Group is reporting a collection account on my credit report without any proof that I owe this debt. Ive submitted formal dispute letters demanding proper validation under FDCPA 15 U.S.C. 1692g ( b ) they never responded. 

They are violating multiple federal laws by continuing to report this account : FDCPA 1692g ( b ) No validation of the alleged debt.

GLBA 15 U.S.C. 6801 My personal financial info is being shared with credit bureaus without my consent.

18 U.S.C. 1028A Potential aggravated identity theft for using my personal data without authority.

FCRA 15 U.S.C. 1681i and 1681s-2 They are furnishing unverifiable and inaccurate information to credit bureaus. 

This account has caused denials and damage to my credit profile. I never received validation, never authorized any collections activity, and the account should not be reported. I am requesting CFPB to immediately intervene and have this account permanently removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: OH

Complaint narrative:
Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a proper and timely reinvestigation of disputed information on my credit report. 

I initially submitted a dispute to Experian on XX/XX/year>. They did not respond until XX/XX/year>, stating that the furnisher verified the account as accurate and made no changes. On XX/XX/year>, I sent a debt validation letter via certified mail, which required a response within 15 days under the FCRA. I never received any response by mail. 

Instead, on XX/XX/year>, Experians website falsely claimed that I initiated a new dispute online ( which I did not ). Then on XX/XX/year>, they again stated via the website that the information had been verified and no changes would be made. To this day, I have not received any mailed documentation or debt validation as I requested. 

These actions align with the systemic failures alleged in the CFPBs recent lawsuit against Experian, including failure to forward consumer-provided evidence to furnishers, failure to provide proper notice, and reliance on unverifiable or incomplete responses. Experian has continued to report inaccurate information without proper investigation, causing harm to my credit standing and violating my rights under federal law. 

I am requesting immediate corrective action to either remove or amend the disputed item in compliance with FCRA requirements. 

Let me know if youd like to add your account number ( redacted ), any documents, or check the box to publish the complaint publicly.

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: NC

Complaint narrative:
b'To Whom It May Concern,XXXX recently obtained a copy of my Innovis credit report and noticed that the following account(s) appear on my file: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 XXXXTo my knowledge, Innovis is not intended to include transactional credit information or traditional tradelines between consumers and creditors. I do not consent to the reporting of these accounts on my Innovis file and I request a complete investigation into the presence of these records.XXXXf you are reporting this data based on any source, I request full disclosure of that source, the permissible purpose under the FCRA, and documentation validating this information.XXXXf these accounts are being reported in error or without a permissible purpose, I request that they be immediately removed and that I receive written confirmation of the deletion.\n\nSincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: NJ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-17 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: CA

Complaint narrative:
In XX/XX/XXXX, I mailed a goodwill adjustment request to XXXX regarding four late payments from XXXX on a closed credit card account. I was not disputing the accuracyonly requesting a discretionary removal based on years of perfect payment history since and my current efforts to expand my XXXX XXXX 

In XX/XX/XXXX, I received a voicemail from a XXXX XXXX XXXX representative, XXXX XXXX, but despite XXXX follow-up calls, I was never able to reconnect. I followed up by email and received only a template response that stated XXXX must report accurately, without addressing the nature of my request or engaging in dialogue. 

These late payments are nearly six years old and do not reflect my current financial behavior. They are disproportionately affecting my ability to lease a vehicle and access fair financing options as a business owner. I am asking the CFPB to help initiate a meaningful review of this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XX/XX/XXXX, I mailed a goodwill adjustment request to XXXX regarding XXXX late payments from XXXX on a closed credit card account. I was not disputing the accuracyonly requesting a discretionary removal based on years of perfect payment history since and my current efforts to expand my XXXX XXXX 

In XX/XX/XXXX, I received a voicemail from a XXXX XXXX XXXX representative, XXXX XXXX, but despite XXXX follow-up calls, I was never able to reconnect. I followed up by email and received only a template response that stated XXXX must report accurately, without addressing the nature of my request or engaging in dialogue. 

These late payments are nearly XXXX years old and do not reflect my current financial behavior. They are disproportionately affecting my ability to lease a vehicle and access fair financing options as a business owner. I am asking the CFPB to help initiate a meaningful review of this request.

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