vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 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: CA

Complaint narrative:
I submitted a dispute to Equifax regarding inaccurate and fraudulent information on my credit report. Instead of properly investigating my dispute as required under the Fair Credit Reporting Act ( FCRA 611, 15 U.S.C. 1681i ), Equifax sent me a letter stating that they could not locate my credit file and demanded that I mail physical copies of highly sensitive documents, including my Social Security card or W-2, and proof of address. 

I believe this request is unreasonable and unsafe. Equifax already has my name, Social Security number, and current address on file, and they used that same information to send me their letter. It makes no sense that they claim they can not verify my identity but still have enough information to send correspondence to me. 

Requiring me to mail copies of my full Social Security number and personal identification through unsecured mail puts me at serious risk of identity theft and fraud, which is the very harm the FCRA is designed to protect consumers against. Equifax does have safer alternatives, such as secure online upload or fax, but they are insisting on mailed copies. 

This appears to be a stall tactic to avoid addressing my dispute. By law, Equifax must conduct a reasonable investigation of disputed information. Refusing to proceed unless I expose myself to additional identity theft risk is not a reasonable requirement. 

Relief Requested : I request that CFPB direct Equifax to : 1. Accept reasonable proof of identity through secure upload or limited, redacted documentation ( last 4 digits of SSN, drivers license, utility bill ).

2. Proceed with the reinvestigation of the disputed accounts without delay.

3. Cease the practice of demanding that consumers mail sensitive, full Social Security information when safer alternatives exist. 

This situation has caused me undue stress and leaves me vulnerable to further fraud. I respectfully request immediate CFPB intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: DE

Complaint narrative:
Equifax is willfully reporting false and damaging information on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). Despite my repeated disputes by mail, email, and phone, Equifax refuses to investigate properly or delete the inaccurate information. 

XXXX. Inaccurate Charged-Off Account Equifax continues to report a charged-off account with XXXX XXXX XXXX XXXX XXXX This account is closed, inaccurate, and was already deleted by another credit bureau for the same reasons. By knowingly continuing to report this false information, Equifax is misrepresenting my credit history and damaging my credibility. 

XXXX. Unauthorized Hard Inquiries Equifax is reporting multiple hard inquiries that I never applied for, authorized, or consented to. These inquiries are : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These companies had no permissible purpose under the FCRA to access my credit file. Equifax has failed to provide any proof of my authorization and continues to allow these inquiries to remain, which is unlawful. 

XXXX. Violation of My Rights Under the FCRA Equifaxs actions show a pattern of noncompliance : Failure to conduct a reasonable reinvestigation ( 611 of FCRA ). 
Failure to ensure maximum possible accuracy of information ( 607 of FCRA ).

Failure to block fraudulent inquiries without proof of authorization ( 605B of FCRA ). 

By knowingly reporting false addresses, unauthorized inquiries, and inaccurate account information, Equifax is harming my creditworthiness, questioning my integrity, and creating long-term barriers to my ability to obtain loans, credit cards, or housing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint regarding Experians failure to maintain accurate personal information in my credit file. Despite providing my correct details, Experian continues to reflect inaccurate information, which affects the integrity of my credit report. I formally requested that Experian update my records to show my accurate personal information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX XXXX : XX/XX/year> This failure to correct and maintain inaccurate personal data is a violation of the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to ensure maximum possible accuracy of information. The continued inaccuracy places me at risk of miscommunication and potential harm to my credit profile.

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 2025-08-19 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: CA

Complaint narrative:
Dear CFPB, I am sending to dispute fraudulent items on my credit reports, which have resulted from identity theft. These items were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). These items in question are : XXXX XXXX XXXXXXXX High Balance {$3700.00} XXXX XXXX BALANCED {$1000.00} XXXXXXXX XXXX XXXXXXXX BALANCED {$12000.00} XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX BALANCED {$10000.00} XXXX XXXX XXXX High Balance : {$6900.00} XXXX XXXX XXXX XXXX High Balance {$5400.00} XXXX XXXXXXXX High Balance {$7400.00} XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within XXXX ( XXXX ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-08-19 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: CA

Complaint narrative:
I'm contacting you because I recently discovered a credit inquiry on my report that I had no knowledge of, did not authorize, and did not initiate. This inquiry is fraudulent, plain and simple, and it should have never been made under my name. 

I have never applied for credit or given any form of consent to the company that pulled this inquiry. I only found out about it while reviewing my credit report, and Im furious that someone was able to access my personal credit file without my permission. This is not just a mistake it is unauthorized access to my private financial information, and it is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-08-19 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: LEXISNEXIS
State: OH

Complaint narrative:
b'Dont know why Im on lexisnexis but I cannot get new debt because old things keeps appearing'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: IL

Complaint narrative:
This account is being inaccurately reported on my credit file. The Date of First Delinquency ( DOFD ) has been altered, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

Under FCRA Section 605 ( a ), negative accounts can not remain on a consumers credit report for more than XXXX  years from the date of first delinquency. This account is well past that limit and should no longer be reported. Changing the date to make the account appear newer is considered illegal re-aging.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I made a XXXX app purchase for two items, but only one was available in stock so my other item was cancelled. XXXX adjusted the amount as of XX/XX/XXXX, but cashapp had not adjusted the amount by the XXXX. When I wrote customer service for help, the representative ignored three requests to escalate to someone would could help, ignored me for approximately 20 minutes, and every response was irrelevant.

I am filing a complaint regarding my support case ( # XXXX ) handled by agent XXXX. 

This agent deliberately refused to assist me on even a basic level. Specifically : I repeatedly requested that he close the chat so that I could receive help from another agent. He refused.

I requested escalation of my case. He refused.

Instead, he responded with scripted replies that did not address my request, and he kept the chat forcibly open against my will. He further attempted to assume resolution without my consent, essentially silencing my complaint. This was not incompetence it was a choice to knowingly ignore my explicit requests. By doing so, the agent trapped me in a support chat where I could not get proper help. That is a direct abuse of authority and a denial of service.

It is unacceptable and harmful to treat a customer this way. I expect this to be logged as agent misconduct, not just poor service. I request that a supervisor review XXXX behavior and that I be connected with a qualified agent who will respect escalation requests and follow proper protocol.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Applied Data Finance, LLC
State: HI

Complaint narrative:
I paid XXXX XXXX XXXX XXXX for my Personify Financial debt, XXXX XXXX XXXX XXXX is a debt collection agency acting on behalf of Personify Financial. XXXX XXXX XXXX XXXX agreed to resolve, close, and remove themselves as well as Personify Financial from all my credit reports, however Personify Financial has not done so as XXXX XXXX XXXX XXXX promised on their behalf.... Personify Financial currently shows on my credit report with a {$0.00} balance, however they did not remove themselves from my credit reports as I was promised when I paid XXXX  XXXX XXXX XXXX XXXX full at the agreed upon negotiated offer who was acting on their behalf... Truly Disappointing and I am Hopeful Personify Financial will do the right thing and Remove themselves from my credit report as they promised.... Thank You...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rightsXXXX under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: CA

Complaint narrative:
I am submitting this formal complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ) in connection with fraudulent accounts that remain on my credit report despite my repeated disputes and submission of legally sufficient documentation. The accounts in question XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXwere opened fraudulently and are the result of identity theft. I provided Experian with a government-issued ID, proof of address, an FTC Identity Theft Report, and a signed statement under penalty of perjury, all of which satisfy the requirements under FCRA 605B . Despite this, Experian failed to block the fraudulent information within four business days, as required by law. Furthermore, Experian has violated FCRA 611 ( a ) by failing to conduct a proper reinvestigation of my dispute within the 30-day statutory window. I also requested full disclosure of all information used to verify the disputed accounts, as permitted under FCRA 609 ( a ) ( 1 ) ( A ), but Experian has not provided this information. These failures constitute both negligent and willful noncompliance with the FCRA, entitling me to damages under 616 and 617.

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 2025-08-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
1. Summary of Complaint I am filing this complaint against Wells Fargo Bank for wrongful account closure, retaliation, denial of lawful notary services, obstruction of federal XXXX  XXXX, and false reporting to police. These actions were unlawful, discriminatory, and in violation of both XXXXXXXX XXXX XXXX  XXXX protections, federal banking law, and the Uniform Commercial Code ( UCC ).

2. Specific Violations 1. Wrongful Denial of Notarial Services Wells Fargo refused to notarize documents even after my identity was verified through XXXX witnesses and I presented a valid Affidavit of Living Man and UCC-1 Estate filings.

This denial obstructed my right to contract and access lawful process.

2. Retaliation & False Reporting After refusing services, Wells Fargo staff called police and falsely claimed I was making threats while I was lawfully serving filed court documents.

I was then trespassed from the branch despite being peaceful, polite, and having video evidence that would disprove Wells Fargos claims. 
3. Wrongful Account Closure Wells Fargo closed my accounts and blocked access to my XXXX  XXXX checks. This caused financial hardship and disrupted my benefits unlawfully. 
Retaliatory closure of accounts violates banking protections and consumer rights.

4. Obstruction of XXXX XXXX and Rights As Chief of the Nation of XXXX, I lawfully filed and presented notarized constitutional and jurisdictional documents. 
Wells Fargo dishonored these filings, violating UCC 1-201, 1-308, 3-603 and obstructing sovereign rights guaranteed by the U.S. Constitution, Bill of Rights, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 



3. Evidence Submitted Affidavit of UCC Dishonor Wells Fargo Affidavit of U.S. Constitution Violations Affidavit of Bill of Rights Violations Affidavit of XXXX XXXX Violations Affidavit of Jurisdictional Fraud SEC Notarized Letter previously filed into federal record 4. Remedy Requested I respectfully demand : Immediate payment of {>= $1,000,000} ( current calculated damages including penalties and daily accruals ) ; OR A settlement offer made in good faith, subject to my approval as Chief. 
Restoration of my ability to access lawful banking and notary services without discrimination.

5. Closing This is my final notice to Wells Fargo through the CFPB. By law, they must respond within 15 days. Failure to remedy will result in enforcement through courts, regulators, and sovereign tribal processes. All my supporting documents are filed in public records with liens and freeze. Since then fine total have increased to well over XXXX XXXX due to tribal violation

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 2025-08-19 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: MI

Complaint narrative:
I am submitting this complaint against Equifax and TransUnion for their continued failure to comply with the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ). Despite three dispute submissions beginning more than 35 days ago, both bureaus continue to report inaccurate late payments without providing any documentation or lawful verification.

This complaint is being submitted directly by me, XXXX XXXX, not by a third party.

Disputed Account : Late Payment ( Open ) XXXX, Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I previously identified that this reporting may constitute a billing error under 15 U.S.C. 1666 ( b ) due to : Failure to correctly post or credit timely payments Computation or accounting errors by the creditor Failure to send a billing statement at least 21 days before the due date, which makes the late payment reporting legally invalid Violations by Equifax and TransUnion : Failure to conduct a reasonable reinvestigation ( 15 U.S.C. 1681i ( a ) ) Failure to provide the method of verification including the name and contact information of the furnisher ( 15 U.S.C. 1681i ( a ) ( 7 ) ) Failure to maintain maximum possible accuracy in consumer reports ( 15 U.S.C. 1681e ( b ) ) To date, neither bureau has provided any documentary proof to substantiate the reported late payment. Instead, they have allowed inaccurate information to remain on my credit file in 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