vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-19 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: NJ

Complaint narrative:
The consumer reporting agency has failed to comply with the Fair Credit Reporting Act ( FCRA ) by refusing to block and remove information that resulted from identity theft within the mandated four ( 4 ) business days, as required by 15 U.S.C. 1681c-2 ( FCRA 605B ). In addition, the agency has not provided verifiable documentation to substantiate the disputed information nor ensured that my personal financial data was protected in compliance with the GrammLeachBliley Act ( GLBA ). These failures constitute clear violations of my federal consumer protection rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: MS

Complaint narrative:
I open a cash app account a few months back it took them two months to send me my card I finally got the card in last week and they've already blocked my account well someone tried to send me or did send me {$30.00} on my account yesterday showing it went through I didn't let it go through because my accounts blocked I can't even get in it and they told me that I couldn't get the money off until I can open another cash app account and I can't do it because it's blocked I know it's not but {$30.00} but I don't appreciate other people thinking that it's just nothing because to me is from cleaning houses for my job

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My credit report shows late payment entries that I believe are incorrect. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, only accurate, complete, and verifiable information should appear on my report. I request verification of these entries, and if they can not be confirmed, they should be corrected or deleted.

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 2025-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
On XXXX of XXXX XXXX metro ambulance service transported me to hospital. XXXX XXXX XXXX XXXX submitted the claim to my XXXX insurance. XXXX paid the claim according to the allowable amount that was owed after the write-off amount. I have never received any letter in regard to anything owed from XXXX XXXX ambulance Service. And according to the contract that the ambulance service have with XXXX the agreeable write-off amount can not be billed to the me. I have never received any notice from Wakefield debt collection. I have tried many times to ask for the telephone number of XXXX XXXX XXXX XXXX and I'm also disputed this collection with Wakefield debt collection and spoke with numerous people as well sent emails and disputed this with my credit report. Based on the consumers reporting debt first the original creditor is required to contact the account holder of an outstanding bill or balance as well as a debt collector is required to before reporting a debt on your credit report they're supposed to contact you first. I have never received any telephone calls nor letters or emails in regards to a debt that is not supposed to be paid by me according to the it was paid by my insurance company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XXXX Wells Fargo 's employees opened multiple unauthorized accounts, created debit cards/PIN numbers, switched my date of bith at the Social Security Administration, switched tax identification numbers for both of my small businesses, restricted my ability to view images of instruments processed against my accounts, altered the mailing address for bank statements, facilitated unauthorized transfers that resulted in a monetary loss estimated at approximately {$140000.00}. 

After I contacted Wells Fargo and reported the fraudulent activity they deployed an investigator from the Wells Fargo Raid Response Team. The investigator informed me I would need a court ordered subpeona to obtain copies of my signature card and account applications, closed the investigation without reimbursement, sent a letter informing me they would be closing my account within two weeks and after account closure I would no longer be able to contact any Wells Fargo employee or visit any Wells Fargo bank. 

The subsequent impacts included an interruption of my small business operations, cancellation of multiple six figure contracts, homelessness, food insecurity and loss of self identity. 

In addition I have been forced to carry a tax debt in excess of {$100000.00} from the XXXX filings. As you may imagine this situation has becom quite stressful as I continue seeking resolution. 

Wells Fargo has previously stated they will no longer respond to complaints submitted to the CFPB citing ongoing litigation. I am unaware of any ongoing litigation pertaining to this matter. 

XXXX  the XXXX, DOJ fined Wells Fargo for creating unathorized accounts and those funds were deposited into the CFPB Civil Penalty Fund. I am no longer asking Wells Fargo for reimbursement as it has become obvious my compensation/reimbursement should be tendered to me from the CFPB Civil Penalty Fund . What must I do to receive my compensation from the CFPB Civil Penalty Fund?

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 2025-09-19 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: CA

Complaint narrative:
The consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by not properly verifying the accuracy and completeness of the information contained in my credit file. I have exercised my right to request full reinvestigation of every item in my report, yet the bureau has either not provided adequate verification or continues to report unverified information. This constitutes a violation of my rights under federal law and raises serious concerns about the integrity and accuracy of my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: TN

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under 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 2025-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Capio Partners, LLC
State: TX

Complaint narrative:
Capio Partners contacted me in XX/XX/XXXX regarding an unknown debt ( Account # XXXX ). I informed them that I was not aware of this as the original creditor never contacted me. I informed them that I may only be contacted by post mail, and they needed to stop the harassing calls. In XX/XX/XXXX, I requested documents in regard to the debt including any documents I signed that agreed to the debt, to the release of HIPPA to a third party and documentation that the original creditor attempted to contact me. They did not meet these demands and were informed it was illegal to collect on this debt. They still continued the calls and hung up, they have now provided this information to themselves under Recoveri , LLC with the same business address stating the initial date of contact to collect on this debt as XXXX which was under Capio.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: DC

Complaint narrative:
On XX/XX/year> I initiated a bank transfer from a Linked account that has been linked for over 2 years. The amount was for XXXX to my SoFi checking account. SoFi decided to hold it until XX/XX/year> and on this day I came back to my account to receive the funds and they never released them they held them and they had no reason to. The other back confirmed SoFi received the funds as they have In the past and tried to hold it longer than they were supposed to. I just want them to release my XXXX as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: WA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX * * * * * * * * * * * * * * XXXX XXXXXXXX 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

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 2025-09-19 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:
XXXX XXXX Subject : Dispute Regarding Removal of XXXX XXXX Account from Credit Report by Equifax To Whom It May Concern, I am submitting this formal complaint to the Consumer Financial Protection Bureau regarding an issue with Equifax, which has removed my active and accurate mortgage account with XXXXXXXX XXXX XXXXXXXX from my credit report without justification. 

Issue SummarXXXX : Equifax removed my XXXXXXXX XXXX XXXX account, which is current and in good standing, from my credit file. This removal misrepresents my financial history and may negatively impact my creditworthiness.

Account Details : Creditor Name : XXXXXXXX XXXX XXXX  Account Type : Real Estate Loan / Mortgage Account Status : Current and in good standing Balance : {$82000.00} Highest Balance : {$89000.00} Monthly Payment : {$1100.00} Date Opened : XX/XX/year> Loan Term : 276 months ( 23 years ) Remaining Balance : Approximately 92 % of the original loan amount remains unpaid Account Age : 6 years, 2 months Requested Resolution : Reinstate the XXXX XXXX XXXXXXXX account on my Equifax credit report with all accurate and up-to-date information. 

Ensure the account is reported as current and in good standing. 

Confirm that all information reported on my credit file is accurate and does not misrepresent my financial history. 

Any correspondence with Equifax I respectfully request the CFPBs assistance in resolving this matter and ensuring the integrity of my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: MS

Complaint narrative:
XXXX XXXX Subject : Dispute Regarding Removal of XX/XX/XXXX Account from Credit Report by XX/XX/XXXX To Whom It May Concern, I am submitting this formal complaint to the Consumer Financial Protection Bureau regarding an issue with XX/XX/XXXX which has removed my active and accurate mortgage account with XX/XX/XXXXXXXX from my credit report without justification. 

Issue Summary : XX/XX/XXXX removed my XXXXXX/XX/XXXX XXXX account, which is current and in good standing, from my credit file. This removal misrepresents my financial history and may negatively impact my creditworthiness. 

Account Details : Creditor Name : XXXXXX/XX/XXXX Account Type : Real Estate Loan / Mortgage Account Status : Current and in good standing Balance : {$82000.00} Highest Balance : {$89000.00} Monthly Payment : {$1100.00} Date Opened : XX/XX/year> Loan Term : 276 months ( 23 years ) Remaining Balance : Approximately 92 % of the original loan amount remains unpaid Account Age : 6 years, 2 months Requested Resolution : Reinstate the XXXXXX/XX/XXXX XXXX account on myXX/XX/XXXXcredit report with all accurate and up-to-date information. 

Ensure the account is reported as current and in good standing. 

Confirm that all information reported on my credit file is accurate and does not misrepresent my financial history. 

Any correspondence with XX/XX/XXXXI respectfully request the CFPBs assistance in resolving this matter and ensuring the integrity of my credit report. 

Sincerely, 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 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: NM

Complaint narrative:
I get constant scans in XXXX XXXX  XXXX of credit card preapprovals addressed to people I've never heard of and businesses that do not exist. I live alone in a XXXX XXXX XXXX The mail is never delivered. Who is it diverted to? I suspect I am a victim of mail fraud, address fraud, synthetic identity theft, and there's no telling what else. This problem followed me from my previous address. Some sort of sophisticated fraud is taking place and I do not understand it. One of the mailmen who serves my route wears a shroud over his face among other bizarre things to conceal his identity. The situation is fairly alarming. What can I do?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This cooperation is getting sued and now my account is hitting my credit score and I donor want parts of it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Denefits LLC
State: FL

Complaint narrative:
For a year and a half I've asked Denefits for a debt validation and all they in return is send threatening letters about going to court which never happens

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I believe the late payment entries on my credit report are inaccurate. According to 15 USC 1681e ( b ) and 15 USC 1681i, my report must only include information that is accurate, complete, and verifiable. I am requesting that these late payment entries be verified, and if they can not be confirmed, I ask that they be corrected or removed.

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 2025-09-19 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
My wages were garnished due to court case XXXX XXXX filed against me and without my knowledge. I am a military spouse and the address listed on file for said court case is for a family member not myself. The company didnt go through correct process to notify me and therefore lied to obtain authority to sue and garnish wages. Per the SCRA act military and their dependents are due ample communications for defense. At the time of this case my family were under a pcs military orders. Furthermore they bought a debt that was successfully disputed with an alternate creditor XXXX XXXX. XXXX The following case was filed with CFPB on XX/XX/year> for improper account opening dates and amounts. The creditor at the time agreed to cease collection and remove from my report, instead they sold it to LVNV Funding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax gave me a XXXX point score drop without explanation or validation. 

No negative marks or entries No carry over balance on credit cards No car loans No home equity loan balances No changes via their own reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 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 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 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Since I am not aware of any similar inquiries, it appears that this one is unauthorized and fraudulent. Please take immediate action to resolve this issue.

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