vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 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:
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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: NE

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  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$5000.00} 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 2025-09-30 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: GA

Complaint narrative:
XXXX, Equifax and Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violated federal law and my rights as a consumer. I am a victim of identity theft. These items were removed from my cedit report then added back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: GA

Complaint narrative:
XXXX, Equifax and Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violated federal law and my rights as a consumer. I am a victim of identity theft. These items were removed from my cedit report then added back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In XXXX, Wells Fargo confirmed that two accounts in my name ( ending XXXX and XXXX ) were fraudulent. Wells Fargo released me from liability and promised to remove all fraudulent identifiers from its systems, the credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Despite those assurances, Wells Fargos own letters stated that reporting changes could take up to 90 days ( and 12 months for XXXX  refresh cycles ), contradicting FCRA 605B ( 15 U.S.C. 1681c-2 ), which requires blocking fraudulent information within 4 business days. 

From XXXX through XXXX, fraudulent identifiers ( phone, email, address ) remained tied to my accounts. In XXXX, when I attempted to open a new Wells Fargo account, one-time passcodes ( OTPs ) were still sent to the fraudulent phone number. Wells Fargo told me their identity theft partners can not do account maintenance and forced me to go in-branch to have identifiers removed shifting the burden onto me in violation of the FCRA. 

I have since obtained my XXXX  consumer report ( XXXX XXXX ). While the fraudulent accounts were deleted, the fraudulent identifiers were migrated into my two new accounts and are being reported to XXXX  This proves Wells Fargo never deleted identifiers it already admitted were fraudulent. 

Violations : 1. 605B ( d ) ( 15 U.S.C. 1681c-2 ( d ) ) Prohibits furnishers from retaining or furnishing known fraudulent identifiers.

2. 1681s-2 ( a ) ( 6 ) ( B ) Requires furnishers to block fraudulent information within 4 business days.

3. Misrepresentation to consumers and regulators about timelines ( 90 days vs. statutory 4 days ).

4. Improper burden-shifting ( forcing me to fix identifiers in-branch ).

5. Conflicting admissions : fraud confirmed in XXXX, then re-validated in XXXX. 



Impact on Consumer : Loss of secure access to my accounts ( OTP codes routed to fraudulent number ). 

Forced to visit a branch to correct identifiers myself. 

Fraudulent identifiers tied to legitimate accounts and furnished to XXXX 

Stress, wasted time, and denial of protections guaranteed under the FCRA. 


Relief Requested : CFPB investigation into Wells Fargos systemic mishandling of identity theft. 

Enforcement requiring Wells Fargo to permanently delete fraudulent identifiers from its systems, CRAs, and XXXX 

Confirmation of compliance in writing. 

Compensation for three years of willful non-compliance. 


Supporting evidence available : Wells Fargo letters XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CFPB/OCC complaint 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 monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I am contesting this bill from XXXX XXXX. They have used very unfair business practices. 

In XXXX I purchased a car insurance policy with collision, comprehensive, towing , road service and rental coverage. I was paying {$180.00} a month. I had a minor collision in a parking lot in XXXX. When I called to report the accident I was told I only had the XXXX minimum, liability only. Despite my efforts to prove my coverage, they refused to pay any more than the liability and I had to pay to have my car repaired out of pocket! 

I immediately rewrote my policy, on their website, to again include what I originally asked for. The website quoted me {$280.00} per month. I accepted that policy. When they charged my checking account for the first month they took {$580.00}! They said that was the bill and they never offered {$280.00}. I assured them I would NEVER agree to such an expensive policy. 

They want money I never agreed to pay. I refuse to pay it. It isnt reputable and as a XXXX XXXXXXXX I dont have it. 

Please inform them of their errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Complaint : I am filing this complaint because of how Chase Bank is reporting my credit card account ending in XXXX. 

In XX/XX/year>, I entered into a formal repayment plan with Chase. I was required to make plan payments of {$390.00} per month for XXXX, XXXX, and XXXX. I honored those terms and made the payments as agreed. 

Despite my compliance with this arrangement, Chase continued to report my account as late during those months. I received a letter from Chase ( dated XX/XX/year> ) confirming that while I was on the plan, they did not consider the account current until all plan payments had been applied. This means that even though I was making every payment they required, they continued to report me as delinquent. 

I believe this reporting is misleading and unfair. The information implies that I was ignoring my account obligations when, in fact, I was actively cooperating with Chase under a structured plan they offered. This creates a distorted picture of my creditworthiness. 

I am requesting that Chase update the account to reflect that I was participating in and successfully completing their repayment plan, and that the late payment marks during this time be removed or corrected to show compliance with the agreed arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
On Monday, XXXX XXXX, 2025, I received multiple email notifications advising me of a new hard credit pull on my credit report. I checked all three credit bureaus and found a new inquiry on the XXXX credit bureau site. 

The new inquiry listed the inquiry as dated XXXX XXXX, 2025. The information listed the inquirer as XXXX, XXXX XXXX XXXXXXXX, XXXX, XXXX. XXXX, Phone # XXXX, and the inquiry type as individual. I called the listed phone number and was transferred to the fraud department. I spoke to a lady named XXXX, ID # XXXX. I confirmed my identity, and she advised that an XXXX XXXX XXXX had been opened today ( XX/XX/year> ) as a result of this inquiry. I advised her that I did not authorize any inquiry nor apply for a credit card. XXXX verified that my address was not the one on the application. 

I then requested a fraud investigation be initiated and had her immediately close the account and stop the card from being mailed out. I requested she notify XXXX Credit Bureau and to have them remove the inquiry from the credit file. She said that a fraud team would receive the information and would take care of that as part of their investigation and to call back Wednesday, XXXX XXXX, 2025, to obtain the claim number. XXXX said that the company reports to the credit bureaus every thirty days, and the initial report would show as account closed at consumers request. I asked for some written documentation of my report be mailed to me as soon as possible, and to please expedite this investigation and send documentation to XXXX  Credit Bureau to have this inquiry deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: TN

Complaint narrative:
My account has somehow been compromised because I keep being referred to as XXXX in the emails I receive regarding my account being frozen after trying to log in when that definitely is not even close to my name, and the account has been locked for going on a couple years now, with no help whatsoever from multiple phone calls at various intervals. They keep telling me they cant verify my identity because the name doesnt match ( since I dont know the last name of this XXXX ) even though my phone number and email and date of birth are correct. Ive even expressed my account security concerns, and they still wont even let me just close the account either.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am disputing XXXX returned payments that appeared on my Wells Fargo credit card account. 

On XX/XX/year>, and XX/XX/year>, XXXX payments of {$2600.00} each were posted to my account. However, these payments were not made by me and I never authorized anyone to make them. Later, Wells Fargo marked both payments as " Returned Payment '' because the payments did not actually go through. 

Even though the payments were invalid, Wells Fargo added these amounts back to my balance, increasing my total balance by {$5300.00}. As a result, my account balance jumped from about {$2700.00} ( the amount I actually owed ) to more than {$7800.00}. 

I have contacted Wells Fargo multiple times and requested proof of who made these payments and why they were added to my account. I was told only that the payments were returned, but I was never given any documentation or clear explanation. 

I am only responsible for my actual charges ( about {$2700.00} ). I should not be held responsible for unauthorized or invalid payments that were later reversed. I am requesting that my account balance be corrected to reflect only the charges I actually made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: FL

Complaint narrative:
I am filing this complaint because Experian has knowingly polluted my credit report with false, derogatory, and completely unverified accounts. These entries are fraudulent, inaccurate, and illegally reported under the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards. 

Specifically : XXXX XXXX Reported as charged off with a balance of {$12000.00}. I have never opened or used this account. No documentation has ever been produced to validate its existence. Yet Experian continues to report it as derogatory, with a last activity date of XX/XX/XXXX and last reported on XX/XX/XXXX Experian Dispute. This is outright defamation. 

XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Reported as a collection account for {$470.00}. I have XXXX connection to this debt. Experian has provided no evidence to support its reporting. Still, it was last updated as recently as XX/XX/XXXX Experian Dispute. This is a reckless and unlawful publication of false information. 

XXXX Listed with a so-called high credit of {$100000.00}, labeled as a paid charge-off. This is completely fictitious. I have never held such an XXXX account. Despite showing a {$0.00} balance, it remains derogatory and was last reported on XX/XX/XXXX Experian Dispute. Keeping a fraudulent account like this on file is a blatant violation of accuracy requirements. 

I have demanded verification. To date, Experian has failed to provide a single shred of documentation proving these accounts belong to me. They are not mine, and Experian knowsor should knowthat reporting unverifiable accounts violates both the FCRA and Metro 2 guidelines. 

This is not sloppy reporting. This is willful misconduct. Experian is reporting accounts without proof, beyond the reinvestigation deadlines, and in a way that has caused direct, measurable harm to my credit profile. By maintaining false derogatory entries, Experian is in gross violation of FCRA 1681e ( b ), 1681i ( a ), and 1681s-2 ( b ), along with Metro 2 compliance standards.

Experians conduct is unlawful, reckless, and indefensible. These fraudulent accounts must be recognized as what they are : illegal entries that never should have appeared on my credit file in the first place.

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