vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I have previously provided upwards of 10 CFPB reports, with numerous requests for an investigation to be done. This case continues to be closed with no investigation. I contacted the branch manager, XXXX XXXX, if the executive office had been contact, and if he has provided video or phone evidence to the executive office regarding my case. XXXX stated he had no interaction with the executive office. Verifying no investigation took place. I have filed a police report and I am now providing the report and the report number. 
XXXX XXXX Sheriffs Department : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
I am reporting identity theft involving a fraudulent account opened in my name with XXXX XXXX. I did not open or authorize this account. I became aware of the issue when I noticed a negative collection account on my credit report. I immediately contacted the collection agency and gotto know that there is a fraudulent account opened on behalf of me with XXXX XXXX, I got the account details form them. Upon contacting the XXXX XXXX  directly, I shared the fraudulent account details, was informed that an account was opened using my personal information, including Social Security number and a former address where I no longer reside. Account was opened in XX/XX/year> and closed in XX/XX/year>. I have no knowledge of this account and this is a clear case of identity theft. I am requesting that this fraudulent account and the resulting collection entry be removed from my credit reports, and that appropriate measures be taken to investigate and prevent further misuse of my identity.

Despite repeated calls, I have not received any assistance or confirmation that the account was removed or recalled from collections.

Fraudulent acc # XXXX Ticket # XXXX created with Fraudulent team on XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: CA

Complaint narrative:
I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( B ) regarding the reinsertion of previously deleted material into my credit file without proper certification of accuracy and notification to the consumer as mandated by law. There is a fraudulent bankruptcy by US BKPT CT XXXX XXXX XXXX - DOCKET NO : XXXX was filed under my name without my knowledge and I am asking to block and delete this fraudulent bankruptcy because I have no knowledge about this account. It is a fraudulent bankruptcy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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:
I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( B ) regarding the reinsertion of previously deleted material into my credit file without proper certification of accuracy and notification to the consumer as mandated by law. There is a fraudulent bankruptcy by US BKPT CT XXXX XXXX XXXX - DOCKET NO : XXXX was filed under my name without my knowledge and I am asking to block and delete this fraudulent bankruptcy because I have no knowledge about this account. It is a fraudulent bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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 entry in question is inaccurate and unfairly represents my financial history. I request a prompt review and correction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: TX

Complaint narrative:
On day XX/XX/year>, I looked at my report. I field a complaint to Equifax on day XX/XX/year> asking them to reinvestigate these account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and here is my tracking number : XXXX On day XX/XX/year> they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same.. 
and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 ( il ) 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 1681eb they are supposed to ensure this b ) Accuracy of report 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.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors A person shall 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
Equifax really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: IL

Complaint narrative:
On XX/XX/year> I paid off my loan with XXXX XXXX XXXX. Received in the mail a letter saying that it was paid off and closed and that I would receive my title in the mail soon. 

Called XXXX several times and was told the lien would be released electronically with Illinois and they would send me the title. 

As of XX/XX/year> the lien has still not been released. 

When speaking with Illinois XXXX was told I could file for a duplicate title with the letter XXXX sent me, but it would cost me {$160.00} to get the title. 

XXXX has been a complete nightmare to deal with. During the time I was in XXXX  XXXX Bankruptcy they blocked access to the account online, and when my bankruptcy XXXX the marked my account XXXX  days past due as I wasn't able to make payments via the account online since it was blocked. 

Now that loan is paid off they are illegally withholding my title. 

I'm filing the complaint with CFPB and I will be contacting State of Illinois about this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There is no fraud on my part. XXXX XXXX XXXX and Experian are reporting an inaccurate collection account and mischaracterized my original dispute as potential fraud to avoid validating the debt. 

On XX/XX/XXXX, the original XXXX XXXXXXXX XXXX XXXXXXXX. account became delinquent. XXXX XXXX XXXX began reporting a {$1300.00} collection to XXXX  on XX/XX/XXXX, which later appeared on my credit report dated XX/XX/XXXX. 

I sent both XXXX  and Experian a written dispute under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ) requesting full validation including proof of ownership, the bill of sale, and the chain of title showing how XXXX  legally acquired the account. I also instructed them to stop further collection activity under the FDCPA ( 15 U.S.C. 1692c ( c ) ).

Neither company has provided the requested documents or corrected the reporting. Labeling my dispute as fraud is inaccurate, misleading, and an attempt to avoid their duty to verify and correct 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 2025-11-06 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: NC

Complaint narrative:
I was promised accuracy on my credit report based on federal law I am making this claim as another attempt to have the inaccuracies either fixed or removed under 15-USC-1681 All unverified information must be promptly removed As you can see in their system that the information can not be validated so Im asking that it be removed immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I was promised accuracy on my credit report based on federal law I am making this claim as another attempt to have the inaccuracies either fixed or removed under 15-USC-1681 All unverified information must be promptly removed As you can see in their system that the information can not be validated so Im asking that it be removed immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: T.S. Holdings
State: NC

Complaint narrative:
I was contacted by a woman named XXXX XXXX claiming to work for a company called IQ Data XXXX XXXX. 

From the moment I answered the phone she was outwardly hostile, claiming to be calling about a debt to a leasing office where I previously lived, which was to my understanding already resolved in court with the leasing offices attorney.

When informing the Employee XXXX I was a Federal Government worker ( XXXX XXXX XXXX ) being negatively impacted by the Government shutdown, I was told to liquidate money from my 401K take out a loan or max out a credit card to make the payment to them, they then threatened to attempt to collect the money from family members ( ex. Grandparents ) I asked if there were options to make payments so as to avoid one large lump sum amount right now due to the previously mentioned financial hardship due to Shutdown, and was told the only option available to me was to pay XXXX XXXXXXXX dollars in full right then on the phone or it would be considered refusal to pay and marked as such on my credit report. I was then hung up on, I called back the number I received the original call from in an attempt to speak with a different employee, I recorded this call and was immediately redirected to the same woman who was still overly hostile and was told to settle my debt or suffer the consequences and
hung up on again. All further attempts to reach the company and speak to any other employee were immediately dismissed as I was only able to speak to the woman XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I have an account with XXXX on XXXX XXXX  and I was frauded out of money someone accsessed my account with a different phone and I disputed it they gave me my money out it in my account back in and then restricted my account I calked to have y them lift it and they closed my account and now are refusing to give me my money if XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: OneMain Finance Corporation
State: GA

Complaint narrative:
I am filing this complaint because XXXX is reporting an account as Collection/Charge-off, which I believe is inaccurate and not properly verified under the Fair Credit Reporting Act ( FCRA ). 

Around XX/XX/year>, I noticed this negative account appearing on my credit reports. I contacted XXXX to request verification and supporting documentation for this alleged debt. However, the company failed to provide any valid proof or contract showing that the information being furnished is accurate.

Despite my attempts to resolve this directly, they only responded that the account was verified without providing evidence or performing a reasonable investigation as required by law. This inaccurate reporting has caused damage to my credit score and has negatively affected my access to credit opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: IL

Complaint narrative:
CFPB Complaint Narrative Credit Reporting Dispute Since XX/XX/XXXX, inaccurate and unauthorized information has appeared on my credit reports, including fraudulent accounts, charge-offs, and multiple unauthorized credit inquiries. Over time, these errors have expanded, causing significant damage to my credit profile despite repeated efforts to correct them through the proper dispute process.

The inaccurate information includes charged-off and collection accounts reported by XXXX XXXX ( opened XX/XX/XXXX ), XXXX  XXXX XXXX XXXX ( opened XX/XX/XXXX ), multiple XXXX XXXX XXXX accounts ( XXXX and XXXX ), and XXXX ( opened XX/XX/XXXX ). Several of these were either closed years ago, settled, or never authorized in the first place. Despite this, they continue to be reported as charged off, derogatory, or in collections.

In addition, nine unauthorized hard inquiries were recorded between XX/XX/XXXX and XX/XX/XXXX, by companies such as XXXX XXXX, XXXX XXXX / XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, and XXXX XXXX XXXX. These inquiries were made without my consent or any application for new credit.

I have submitted multiple formal disputes with all three credit bureausExperian, Equifax, and
TransUnionbetween XX/XX/XXXX and XX/XX/XXXX, attaching an FTC Identity Theft Report, a police report, and valid identification. Despite these submissions, the bureaus have failed to permanently block or delete the fraudulent and unverifiable information as required by FCRA 605B ( identity theft blocking ) and FCRA 611 ( reinvestigation ).

The bureaus have also continued to list a bankruptcy record from XXXX, even though I have requested verification from the original court records and have not been provided any documentation bearing my authentic signature.

No bureau has produced verifiable documentation ( such as signed applications, IP logs, or authorization records ) to substantiate the accounts or inquiries in question. The continued reporting of these items constitutes inaccurate and unverifiable data under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

I am requesting that the CFPB require the credit reporting agencies and furnishers involved to : Conduct a complete reinvestigation of all disputed items dating back to XXXX ; Delete or block all fraudulent, closed, or unverifiable accounts and inquiries ; and Provide written confirmation that my credit reports have been corrected across all three major bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I need to emphasize that this complaint is not made in error. My credit report contains multiple accounts that are not being reported with maximum possible accuracy, as required under the Fair Credit Reporting Act ( FCRA ). These inaccuracies are seriously affecting my credit standing and overall financial stability. It has been an ongoing burden and source of stress, and I can not continue to suffer from errors that could easily be corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: IL

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please delete the negative account information immediately in accordance 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 explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
Halsted Financial Services denied in their CFPB response that they had any account under my name or furnished information to credit bureaus. However, I have proof showing XXXX actively collecting on behalf of XXXX XXXX XXXX for a canceled Capital XXXX account. This contradiction demonstrates misrepresenfation of debt ownership and inaccurate furnishing. I request immediate deletion of the XXXX XXXX as the only acceptable resolution 1.Failure to Provide 5Day Notice - FDCPA 1692g ( a ) ; Rosenthal FDCPA Cal. Civ. Code 1788.17 - Halsted did not send a written validation notice within XXXX ( XXXX ) days of initial communication, violating federal and California law. 

2. Failure to Verify Within 30 Days - FCRA 611 ; FDCPA 1692g ( b ) - I disputed in writing. Halsted failed to provide verification within 30 days, yet continued collection activity.

3. Debt Canceled by Original Creditor - 26 U.S.C. 6050P ; 1099C Issued - XXXX XXXX filed a 1099C and deleted the tradeline. Attempting to collect/report after cancellation misrepresents the legal status of the debt. 

4. Contradictory Statements - In a prior CFPB complaint, Halsted denied any account under my name, Social Security number, or account number.

- Proof attached shows Halsted actively collecting on behalf of XXXX XXXX XXXX for the same XXXX XXXX account. 
- This contradiction violates FDCPA 807 ( 2 ) ( A ) ( false representation ) and FCRA 623 ( a ) ( 1 ) ( A ) ( furnishing inaccurate information ).

5. Failure to Prove Ownership Chain - No bill of sale, assignment agreement, or chain of title provided.

- Collecting without proof of ownership violates FDCPA 807 ( 2 ) ( A ).

6. Failure to Furnish Identical Data Across Bureaus - Exhibits show Capital One deleted across XXXX XXXX XXXX  yet XXXX reports an open balance through XXXX. 
- This violates FCRA 623 ( a ) ( 1 ) ( A ).

7. Pattern of Misconduct - CFPB fined affiliated debt buyers $ XXXX in 2023 for illegal debt collection and inaccurate reporting. 
- Halsteds contradictory denial and collection activity fit this pattern.

8. Consumer Harm - These false statements and contradictory reporting reduced my credit score, caused denials of credit, and emotional distress. Documentation attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief