vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-06 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: NC

Complaint narrative:
I am filing this complaint because the credit reporting agencies and/or furnishers have failed to properly investigate, correct, or provide verification for inaccurate information that remains on my credit report, despite my repeated good faith attempts to resolve the matter directly. 
Over the past several months, I have submitted multiple written disputes and good-faith letters identifying specific errors on my credit report. I have also provided copies of my identification, proof of address, and any supporting documentation requested to verify my identity. Despite this, the disputed items have not been corrected or removed, and I have not received adequate proof of any reinvestigation or verification of accuracy as required by law. 
This continued inaction has negatively affected my credit score and hindered my ability to access basic means of life, including housing, transportation, and financial services. 
Details of My Disputes I sent multiple letters confirming my identity and outlining errors on my report. The agencies acknowledged receipt but failed to provide investigation results or proof of verification. The disputed accounts/inquiries remain with no documentation supporting their validity. I have requested written verification and documentation under the Fair Credit Reporting Act ( FCRA ), but this has not been provided. Violations The actions ( or lack thereof ) of the credit reporting agency and/or furnisher appear to violate multiple provisions of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation of disputed information. 15 U.S.C. 1681i ( a ) ( 5 ) Failure to delete or modify information found to be inaccurate or unverifiable. 15 U.S.C. 1681g ( a ) Failure to disclose all information in the consumers file upon request. 15 U.S.C. 1681s-2 ( b ) Furnishers duty to investigate disputed information and report results to the credit bureau . 15 U.S.C. 1681c Reporting of outdated, incomplete, or inaccurate information. 
By ignoring my disputes and failing to provide verification, these parties have demonstrated noncompliance with their statutory obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I try to fix my unfreeze credit with Equifax call more then 5 time and I took with somebody ask my personal question and then the call was handout my credit was freeze but I try to unfreeze by phone and by online but I didnt and continuo freeze and they dont give me solution

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year>, I sent a wire transfer for {$150000.00} to XXXX  XXXX. By mistake, I selected the wrong currency in XXXX XXXX XXXX  ) instead of XXXX. When the funds arrived to the XXXX XXXX, they rejected the transaction and returned the funds to Bank of America on XX/XX/year>. I went several times to Bank of America to ask them to credit back those funds to my account and they mentioned that XXXX  XXXX has not replied XXXX messages sent, authorizing Bank of America to release the funds. 

I don't understand why Bank of America is holding the funds if those funds where debited from my Company account and were rejected by the destination bank in XXXX. I need those funds urgently to pay vendors and BofA keep saying me the same thing that they need an answer from XXXX XXXX. The funds are not in XXXX, they are in Bank of America for almost 3 weeks.

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 2025-10-06 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-06 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: EQUIFAX, INC.
State: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I was contacted by a scammer impersonating a Wells Fargo employee and later an FBI agent. They claimed my accounts had been compromised and I needed to assist in a federal investigation after credits had been placed in my account. Under this manipulation, I unknowingly authorized a transfer of funds from my savings to checking and was instructed to withdraw and send the cash using barcodes provided to me to a " federal bank. '' The scammer had full access to my Wells Fargo online banking account. They transferred my funds between checking and savings, and also initiated a {$560.00} credit card cash advance, which was later sent out the same way. 

I was scammed into withdrawing a total of {$1900.00}, but approximately {$1300.00} came directly from my checking and savings balances my own money. I only realized the fraud after the final transaction and reported it immediately ( within 15 minutes ) at my local Wells Fargo branch. 

I filed a police report ( event number : [ XXXX ] ) and provided all the evidence to officer, and provided Wells Fargo with : Receipts and barcodes showing the in-person transfers Confirmation from the receiving bank ( MAJORITY ) that the scammer accounts were suspended Text messages from the scammer posing as the FBI Despite all of this, Wells Fargo denied my claim , stating I " received the benefit of the funds. '' However, I was manipulated into facilitating the fraud under false authority, and this falls under social engineering, a form of fraud protected under Regulation E. The Wells Fargo Fraud Case # is # XXXX I am respectfully requesting a senior-level review of this decision.

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 2025-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
My credit report includes collection accounts that I believe contain inaccurate information. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to a report that is accurate and verifiable. I am requesting a review of these accounts, and if they can not be verified as correct, they must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: EQUIFAX, INC.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
I am writing to formally raise my concerns about Zelle 's dispute resolution process, particularly in light of the recent CFPB lawsuit that exposes serious deficiencies within the platform. Despite my repeated use of Zelle and timely reporting of transaction discrepancies, both Zelle and my financial institution failed to conduct a thorough investigation into my claims. I was informed that recovering the lost funds was not possible and that the transactions could not be properly traced. 
The CFPB 's findings suggest that Zelle has not only failed to safeguard consumers but has also enabled repeat offenders to continue exploiting the system. 
This lack of accountability, transparency, and effective consumer protection is deeply troubling and raises significant concerns regarding user safety and trust in the platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: NV

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX * * * * *, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXXXXXX XXXX - Account Number : XXXX * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$8600.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$1100.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-10-06 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/year>, Balance : {$1000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
There are late payment entries on my credit report that I believe are incorrect. Pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, my credit file must contain only data that is accurate, complete, and capable of being verified. I am requesting verification of these entries, and if they can not be validated, they should be updated or removed accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am a landlord and in one of my buildings I have a XXXX XXXX  tenant. I am almost XXXX XXXX XXXX. Without my consent, XXXX  XXXX opened a debit card in my name with US Bank XXXX  to deposit the XXXX  XXXX portion of the rent due me. For in excess of one year, I have been unable to access the funds, which now total over {$7000.00}. I have not moved nor changed my name. Nonetheless, I have been advised that I needed to provide proof of my identity. I immediately complied, all to no avail. Copies of my letter dated XX/XX/year> and my New York counsel 's letter of XX/XX/year>, all with referenced enclosures are attached. 

Nonetheless, my account is still frozen. Subsequent to my counsel 's letter, I received a telephone call from someone at US Bank, XXXX who demanded that I also provide a copy of my social security card. Considering the rampant fraud on the elderly, I will not provide that information. Moreover, social security cards do not include a photograph and are not a form of identification. I would have gladly provided them with the last four didgets of that number to compare with their records.

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 2025-10-06 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " United States Bankruptcy Court for the XXXX XXXX XXXX XXXX-VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court ( United States Bankruptcy Court for the XXXX XXXXXXXX XXXX XXXX  ) that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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