vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Wellsfargo in XXXX XXXX XXXX XXXX XXXX ) called me requesting my information because of a check that I paid someone. After I gave her all my information so I could verify it was me, she asked me what the check was for. I told her that I felt that was inapropriate, but end up telling her that Im building a house and that was the payment for XXXX XXXX XXXXXXXX XXXX  owner XXXX XXXX who did my XXXX on XXXX XXXX XXXX, XXXX, Utah. By discrimination she still denied paying this company owner even anfter she had already counted the money in front of him, making him think that I said something bad about him and thats why she changed her mind. She put me on a bad situation. XXXX was depending on this payment to pay his employees. The last check I gave him, it took Wellsfargo a week to deposit into his account, so thats why he went straight there hoping to cash his check. This is unacceptable as not every XXXX name belongs to an illegal person and she treated him and me this way, not only that, she made me look bad by showing him the money and putting it back right after the phone call with me. Im an XXXX XXXX and this is not acceptable treatment. Im closing my account with Wellsfargo. The name of the bank branch manager that did this is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I sent in a formal dispute to Equifax, Experian, and TransUnion through certified mail on XX/XX/year>2025, regarding inaccurate information on my credit report. Under 15 U.S Codes 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), the credit reporting agency is required to conduct a reasonable investigation and respond within 30 day. It has been more than 30 days, and I have not received any update or written results of the investigation. This violates laws 15 U.S.C.s 1681i ( 1 ) ( A ) - Failure to investigate and respond within 30 days. 15 U.S.C.s 1681 ( a ) ( 6 ) ( A ) - Failure to notify the consumer after investigation.15 U.S.C.s 1681 ( a ) ( 5 ) ( A ) - Failure to delete unverifiable information. I am requesting that the CFPB compel the credit reporting agency to remove the disputed information, provide a corrected credit report, and comply with all notification obligations under the 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 explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I sent in a formal dispute to Equifax, Experian, and TransUnion through certified mail on XX/XX/year>2025, regarding inaccurate information on my credit report. Under 15 U.S Codes 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), the credit reporting agency is required to conduct a reasonable investigation and respond within 30 day. It has been more than 30 days, and I have not received any update or written results of the investigation. This violates laws 15 U.S.C.s 1681i ( 1 ) ( A ) - Failure to investigate and respond within 30 days. 15 U.S.C.s 1681 ( a ) ( 6 ) ( A ) - Failure to notify the consumer after investigation.15 U.S.C.s 1681 ( a ) ( 5 ) ( A ) - Failure to delete unverifiable information. I am requesting that the CFPB compel the credit reporting agency to remove the disputed information, provide a corrected credit report, and comply with all notification obligations under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: IL

Complaint narrative:
I am bringing this matter to your attention to seek the urgent removal and blocking of several unauthorized accounts from my credit report. I did not initiate, authorize, or recognize these accounts, and I have no information on how they were added. Pursuant to USC 1681g, I am requesting their removal within XXXX days. The necessary documents are attached for your review. I also want to highlight that the information related to these accounts differs across the credit bureaus and is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: TX

Complaint narrative:
I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by TransUnion Consumer Solutions. Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 
Details of the Complaint : XXXX. Failure to Ensure Maximum Possible Accuracy The FCRA requires that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains inaccurate entries from XXXX ) - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, that remain unverified despite formal disputes, causing significant harm to my XXXX XXXX and credibility. Previous attempts to address these inaccuracies have been inadequately handled, demonstrating a failure to uphold FCRA standards for accuracy. 
XXXX. Inadequate Investigation and XXXX XXXX XXXX XXXX XXXX Under FCRA, 15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus must conduct thorough investigations of disputed information. However, my previous disputes have been met with automated responses through systems like XXXX, which fail to meet legal requirements for a complete investigation. This approach neglects a comprehensive review of the disputed entries, perpetuating inaccurate information on my report. 
XXXX. Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers. TransUnion Consumer Solutions. has not adhered to TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with XXXX has compounded the inaccuracies on my credit report, further violating my rights as a consumer. 
XXXX. Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt XXXX and furnishers of information must report accurate, verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, constituting a violation of FDCPA protections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: CBC Companies, Inc.
State: GA

Complaint narrative:
After carefully reviewing my credit report, I identified several accounts that I did not open, authorize, or apply for. Further investigation revealed that my personal information was compromised in multiple data breaches, which may have led to the fraudulent use of my identity.

I have no recollection of initiating any of the accounts in question. These accounts are inaccurately reporting under my name and are negatively impacting my credit profile. Pursuant to 15 U.S.C. 1681c-2, any fraudulent accounts resulting from identity theftwithout my authorization or any signed contractmust be blocked and removed from my credit report within four ( 4 ) business days of receipt of this request.

These accounts are not only harming my credit standing but are also causing undue emotional distress. I have no affiliation or responsibility for them and urgently demand their immediate removal to prevent further damage to my financial health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: VA

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

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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 filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
ive Disputed this false information on my account and they havent responded to my request. Not accepting my Identity theft affidavit and leaving these items on my reports longer than 7 yrs

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: MN

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV FUNDING LLC is falsely reporting on my credit. I have never had any accounts with them. Per my research LVNV FUNDING LLC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: VA

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX VA XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$8600.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$00.00} INQUIRIES : XXXXXXXX XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: TX

Complaint narrative:
On XX/XX/25 I was notified of a hard inquiry on my credit report via XXXX XXXX from XXXX XXXX. I did not recognize the inquiry and contacted XXXX XXXX the same morning. I provided my information and they found the application via social security number and was told that there was a pending application for a platinum credit card or something. I notified them that I did not recognize that application and they told me the Name, Address, and Date of Birth were the same except for the phone number and email. They explained they would hand this over to the fraud department and that there were no action items for me to take. They said they would notify the credit bureaus of the fraudulent application. 

I went ahead and contacted Equifax on XX/XX/25 while TransUnion and XXXX  were closed to observe the Juneteenth Holiday. 

XX/XX/25 I contacted all 3 credit bureaus to inform them once again of the fraudulent activity and how to dispute the hard inquiry. XXXX  has already removed the inquiry from my credit report while Equifax and Transunion have yet to do so. I was informed for the remaining 2 bureaus I would have to send in documentation to remove the inquiries from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: FL

Complaint narrative:
I am filing this complaint regarding an account reported by XXXX XXXX ( or its servicer ) on my credit report. The account in question is a timeshare, but it is being misrepresented as a real estate mortgage, which is factually incorrect and misleading under the Fair Credit Reporting Act ( FCRA ) 607 ( b ) Maximum possible accuracy.

The account appears on all three credit reports with the following issues : Experian : Account status is listed as Paid TransUnion & Equifax : Account status is Derogatory All bureaus show a {$0.00} balance, and the account was opened in XX/XX/year> The account is marked as Joint, but the joint account holders information is missing, limiting the ability to fully investigate or dispute the accuracy This account was the result of a timeshare sales misrepresentation, which I now believe to have been part of a timeshare scam I contacted the company and requested the account be corrected or removed from my credit report under the following FCRA violations : FCRA 607 ( b ) Credit reporting agencies must ensure the maximum possible accuracy of information.

FCRA 611 ( a ) If a consumer disputes the accuracy of information, the CRA must conduct a reasonable investigation.

FCRA 602 ( A ) ( 1 ) Consumers have a right to fair and accurate credit reporting. 


Additionally, classifying a timeshare as a mortgage/real estate loan is a misrepresentation of account type, which unfairly impacts my creditworthiness and misleads future creditors.

I am requesting : 1. Immediate removal of the Derogatory status from all bureaus.

2. Correction of the account type to reflect it was a timeshare, not a mortgage.

3. Disclosure of the joint account holder information for proper dispute resolution.

4. A full investigation into the accuracy and legality of how this account was reported.

I have attached supporting documentation showing the inconsistency across the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Complaint Details : 1. Summary of Dispute I am filing a formal complaint against [ Company Name ] for continuing to report or distribute an inaccurate eviction/judgment associated with my name and Social Security Numbereven though XXXX confirmed its removal on XX/XX/2025 following my identity theft claim. 

2. Legal Violations Fair Credit Reporting Act ( FC

RA ) 1681i ( a ) : Requires reinvestigation of disputed information and removal if unverifiable. 1681e ( b ) : Requires reasonable procedures to ensure accuracy. FCRA 1681c2 : Eviction/judgment information resulting from identity theft must be blocked. FTC Act ( 15 U.S.C. 45 ( a ) ) : Reporting known false information is deceptive and unfair. 3. Harm Caused The false eviction record has disrupted my ab
ility to secure housing, resulted in application denials, and caused emotional and financial distress.

4. Requested Actions Immediately delete the eviction/judgment entry from all systems and files.

Mail me a copy of my updated consumer file. 

Disclose all entities that have accessed this data in the past 12 months. 

Provide written confirmation of deletion within 10 business days.

If unresolved, I will seek enforcement through the CFPB, FTC, and civil litigation under FCRA 1681n/o for damages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENOVA INTERNATIONAL, INC.
State: IN

Complaint narrative:
Net credit a silent partner of XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, UT XXXX, XXXX I applied for a personal loan from Net Credit Net credit used my information, social security information, address and credit information to open an account with XXXX XXXX  and secure a loan ( issued as a personal line of credit ) from XXXX XXXX  without my consent in order to issue a loan to me directly. 

XXXX XXXX - XXXX I spoke to XXXX who transferred me to an agent. 

I spoke with the agent on XX/XX/XXXX at XXXX XXXX XXXXI requested the information such as validation of the debt and an explanation of how this personal line of credit was issued to me. 

I was informed that she was recording the phone call and I informed her that I was also recording a phone call in which she said that she is not willing to continue the discussion if she is being recorded.

Company response to consumer: Closed with explanation