vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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 discovered multiple unauthorized ATM withdrawals totaling over {$3000.00} from my Wells Fargo checking account. I immediately reported the fraud to Wells Fargo the next day and also filed both a police report and an FTC Identity Theft affidavit. 

Despite this, Wells Fargo closed my claim and informed me that it could not be reopened, even after I repeatedly requested escalation and asked them to review ATM camera footage. They have also refused to provide me with the investigation report or explain what evidence they relied on to deny my claim. 

I did not authorize these transactions and can provide proof I was not near the ATM or store location at the time. Denying my claim without proper investigation or review of new evidence appears to violate my rights under Regulation E, which requires banks to credit unauthorized transactions unless they can prove authorization. 

I am requesting that Wells Fargo reopen my claim, review the new evidence I provided, and reimburse the {$3000.00} stolen from my account.

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 2025-07-29 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:
These inquiries are unknown to me and may represent fraudulent attempts to access my credit. I ask that this be reviewed immediately. Supporting files are attached.

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 2025-07-29 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 am submitting this complaint because XXXX XXXX XXXX XXXX XXXX  is reporting conflicting, inaccurate, and inconsistent data across multiple tradelines and credit bureaus. 

The account was closed on XX/XX/year>, with a reported {$0.00} balance, yet it continues to show as open with a balance of {$600.00} and utilization exceeding {$1000.00}. 

The credit limit is reported as both {$0.00} and {$500.00}, and a high balance fluctuates without basis. 

Payment history shows multiple 30/60/90-day delinquencies that are not supported by accurate billing or payment records. 

We have disputed this since XXXX, requesting investigation and verification. The account continues to be " updated '' without addressing or correcting the errors. 

This inaccurate reporting has directly harmed my client 's credit standing and ability to obtain new credit. It appears the creditor has failed to conduct a reasonable investigation as required under FCRA 15 U.S. Code 1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: TX

Complaint narrative:
I am submitting this complaint because XXXX XXXX XXXX XXXX XXXX  is reporting conflicting, inaccurate, and inconsistent data across multiple tradelines and credit bureaus. 

The account was closed on XX/XX/year>, with a reported {$0.00} balance, yet it continues to show as open with a balance of {$600.00} and utilization exceeding {$1000.00}. 

The credit limit is reported as both {$0.00} and {$500.00}, and a high balance fluctuates without basis. 

Payment history shows multiple 30/60/90-day delinquencies that are not supported by accurate billing or payment records. 

We have disputed this since XXXX, requesting investigation and verification. The account continues to be " updated '' without addressing or correcting the errors. 

This inaccurate reporting has directly harmed my client 's credit standing and ability to obtain new credit. It appears the creditor has failed to conduct a reasonable investigation as required under FCRA 15 U.S. Code 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-07-29 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:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have encountered difficulties accessing my [ Equifax Information Services ] account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I want this collection account to be removed out of my credit score because I have no knowledge of those two credit cards that are in collection with portfolio recovery llc I tried to disputed a lot of times but its still on my credit score. Im not gon na pay for something that Im not aware of. I was making payments to it before because I thought it was mine from an old credit card from XXXX XXXX, but I found out that it wasnt that it was two other credit cards from the past that I never opened a long time ago when I was younger, I got robbed and they stole my wallet that had my ID and Social Security card and they be using my Social Security to work at different locations and open credit cards. I already filed identity theft with the IRS in the state of California because they were using my identity for a lot of things.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXXXXXX XXXX and XXXX remains in violation of the Fair Credit Reporting Act ( FCRA ) by continuing to report late payment history on my credit file that is tied to an incorrect name ( XXXX ) and an address where I have not resided at any time during the billing period of XX/XX/XXXX through XX/XX/XXXX. Although my prior CFPB complaint led to the removal of derogatory remarks, XXXXXXXX XXXX has failed to remove the equally inaccurate late payment notations despite having been informed of the errors and provided proof. 

I never authorized the use of the name " XXXX '', nor have I ever been called that in a legal or casual capacity and I have no connection to " XXXX  ''. I never received billing under my correct legal name or at my correct address. I raised these inaccuracies repeatedly, including in phone calls with XXXX XXXX XXXX in XX/XX/XXXX, where she also verified that there was not a phone number or email address on file for me, yet XXXXXXXX XXXX continued reporting late payments that could not possibly be accurate or verifiable with the correct legal name and address. XXXX XXXX  verified that they had no proper way of contacting me, due to an incorrect name, incorrect address, and no phone number or email ever on file. 

I have included legal documents that verify my correct name and address. I have also included billing statements issued by XXXX and XXXX XXXX with an incorrect name and address. 

Under FCRA 15 U.S.C. 1681s-2, furnishers are obligated to ensure the accuracy of the information they report and to promptly correct or delete any information they know or should know is inaccurate. Further, FCRA 15 U.S.C. 1681 requires deletion of any unverifiable information within the statutory reinvestigation period. XXXX XXXX failure to remove the late payment history after removing the derogatory remarks demonstrates they are knowingly allowing inaccurate information to remain on my credit file. 

I am again requesting that XXXX XXXX  delete all late payment history associated with this account- particularly late payment history that is tied to an incorrect legal name and address from XX/XX/XXXX through XX/XX/XXXX- to bring my credit report into full compliance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: MS

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 may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I inquired of XXXX  and my USAA bank why did my credit score decreased by XXXX points the very day that I paid off a loan to the bank one year early. Neither the bank nor Experian would tell me the reason why my credit score decreased so drastically. They both told me to hire my own financial advisor and would not tell me why it decreased and who caused it to decrease.

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 2025-07-29 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: AZ

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Torres Credit Services, Inc.
State: PA

Complaint narrative:
I am disputing a {$4100.00} utility collection account from XXXX XXXX, now showing under Torres Credit. This balance was covered through Cumberland Countys Emergency Rental Assistance Program ( ERAP ). XXXX accepted those funds, but the amount is still being reported as unpaid. Additionally, the charges stem from utility slamming activity by XXXX XXXX XXXX, which was already reported to the XXXX XXXXXXXX and CFPB in XXXX. I relocated from Pennsylvania in XXXX  and had a XXXX balance. This is not only an error in reporting but a violation of FCRA and HUD guidance around ERAP-supported accounts. I am requesting this account be deleted from my credit report and removed from collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
To Whom It May Concern : I am writing in response to your recent communication regarding the debt you claim I owe. I previously requested full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and in response, I was provided only a credit card statement. Please be advised that a billing statement alone does not constitute proper validation of the debt. As required by the FDCPA, I am again requesting the following : A copy of the original signed contract or agreement that created the debt. Until this information is provided, I do not acknowledge this debt, and I am requesting that all collection activities, including reporting to credit bureaus, cease immediately. Please consider this a formal dispute of the debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: OH

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
Portfolio Recovery is calling my mobile phone and work phone everyday debt is at least 15 years old I would like for them to stop harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: AR

Complaint narrative:
Subject : Request for Investigation and Removal of Inaccurate Accounts Under FCRA & FDCPA Dear Dispute Department, I am writing to formally dispute several inaccurate and derogatory accounts listed in my credit report. These accounts are the result of identity theft and a significant data breach incident tied to the unauthorized sharing and selling of personal data following XXXX XXXX DOGE department left millions vulnerable. I am a victim of this breach and am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Inaccurate Accounts to Be Investigated and Removed : - XXXX Accounts : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX Account : XXXX - XXXX XXXX Accounts : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account : XXXXXXXX XXXX XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX  Account : XXXXXXXX XXXX XXXX XXXX XXXX  Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account : XXXX - XXXX Account : XXXX - XXXX XXXX Account : XXXX - 15 U.S.C. 1681e ( b ) : Failure to maintain accurate and verified data.

- 15 U.S.C. 1681i ( a ) ( 1 ), ( 5 ) ( B ), ( 6 ) ( B ) : Obligations to investigate disputes, remove unverifiable accounts, and notify consumers of results.

- 15 U.S.C. 1681i ( 5 ) : Failure to delete inaccurate or unverifiable data.

- 15 U.S.C. 1692 ( c ) : Unlawful communication with consumers after identity theft or without verified debt ownership. 

I request a full investigation into the accounts listed above and the immediate deletion of any unverifiable or inaccurate information. Please provide a written response detailing your findings and the steps taken to correct my file. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: TX

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

Company 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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
I am disputing the reporting of an auto loan account by Santander XXXX XXXXSantander XXXX XXXX XXXX. that is causing serious harm to my credit profile across multiple credit bureaus. 
1. XXXX  is inaccurately showing the account as currently late despite it being closed with a charge-off status. A closed account can not be marked as currently delinquent under the Fair Credit Reporting Act ( FCRA ). 
2. XXXX  is reporting the same Santander account under two different names ( Santander XXXX XXXXXXXX. and Santander XXXX XXXX ) with different missed payment counts and payment histories. This is a form of duplicate reporting and contains inconsistencies across the account details. 
3. These inaccuracies have been disputed multiple times with no resolution, and I have not received any documentation from Santander verifying the debt. I believe this account is being reported in violation of FCRA Sections 623 and 611.

This account is severely impacting my ability to qualify for a mortgage as a single mother of XXXX, despite my efforts to improve my credit. I am requesting that the CFPB review this matter and request a complete verification from Santander, and that any unverifiable or inaccurate data be removed from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I had an auto loan with XXXX XXXX. I paid the loan off on XX/XX/XXXX, XXXXShortly thereafter, I received correspondence from XXXX XXXX advising that I would be receiving a refund of the overpayment for {$120.00}. I never received it. I called XXXX XXXX twice in XXXX. They directed me to call a third party payment processer, XXXX XXXX, about my refund. XXXX XXXX verified my mailing address, which was correct, and advised that they would re-issue my refund. I still never received it. I have attempted to escalated my issue with XXXX XXXX on 4 separate occasions. They continue to tell me I have to contact XXXX XXXX about my refund, however I do not have a contract with XXXX XXXX. XXXX XXXX  owes me a refund. It is their responsibility to refund my money. They refuse to contact XXXX XXXX to research why I haven't received it. XXXX XXXX charges a late fee when they receive late payments, yet they aren't subject to fees after failing to refund thousands of customers in a timely manner or even at all? I demand receipt of my refund by check immediately. They also tried to tell me my refund had to be in the form of a Santander XXXX  pre-paid debit card. I want a check, not a debit card.

Company response to consumer: Closed with non-monetary relief