vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
I have sent XXXX dispute letters to Equifax identifying particular items that are identity theft and they refuse to remove the items. They continue to send out letters requesting that I prove my identity and address and when indeed I have already sent these documents to them over XXXX times. I am a victim of the EQUIFAX DATA BREACH which was a fault by Equifax company which compromised my identity and cause fraudulent accounts to be opened in my name without my consent. Now that I have identified these items and it is because of Equifax that this happened they still have not removed the items. I sent them letter on XXXX XXXX XXXX XXXXXX/XX/XXXX. the following items are the negative items that need to be removed : 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 THIS ACCOUNT IS NOT MINES

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: OH

Complaint narrative:
CFPB COMPLAINT HARD INQUIRIES WITH NO PERMISSIBLE PURPOSE Consumer : XXXX XXXX Credit Bureau : XXXX Report Number : XXXX Date of Report : XX/XX/year> XXXX. Summary of the Issue My XXXX  credit file contains multiple hard inquiries from companies that did not provide me with any credit, goods, or services and did not open any account for me. These inquiries are unauthorized and lack permissible purpose, violating : - FCRA 15 U.S.C. 604 ( a ) - FCRA 607 ( b ) - FCRA 611 ( a ) - FCRA 623 ( a ) ( 1 ) ( A ) - Metro2 Inquiry Reporting Standards - Escrow Chain-of-Custody Transmission Protocols I did not authorize these companies to access my credit report, and they did not provide any service, product, or line of credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  detected : A. No matching accounts for the inquiries XXXX. Missing certification of permissible purpose XXXX Missing application IDs, timestamp logs, or consent verification XXXX XXXXetro2 inquiry coding violations E. Escrow chain-of-custody failures 3. FCRA Violations - FCRA 604 ( a ) : No permissible purpose - FCRA 607 ( b ) : Experian must ensure accuracy and purpose - FCRA 611 ( a ) : Failure to reinvestigate properly - FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers reporting inaccurate information 4. Why These Inquiries Must Be Deleted Any inquiry must be deleted if it : - Did not result in a service - Did not result in an account - Has no authorization - Lacks documentation - Fails Metro2 inquiry formatting - Fails escrow chain-of-custody verification - Can not prove permissible purpose during reinvestigation 5. Request for CFPB Action I request that the CFPB require Experian to : A. Verify each inquirys permissible purpose and documentation B. Delete all unverified inquiries under FCRA 611 ( a ) ( 5 ) C. Issue a compliance warning or audit for furnishers pulling credit without reason D. Investigate Experians permissible purpose validation process 6. Closing These hard inquiries are unauthorized, unverified, and violate Metro2, FCRA, and Escrow protocols. I request CFPB intervention to ensure deletion and enforcement. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
I am writing to dispute the following items on my credit report. These accounts are being disputed due to inaccuracies in the reporting of account status, payment history, or the presence of unverified inquiries. Please find the relevant details below : Charged Off 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I have an account with Wells Fargo for a XXXX Privileges XXXX. I believe I was allowed to do an online transaction when I initially opened the card a long time ago, but I don't believe I ever received the permanent physical card through the mail as I was expecting. In any case, the card is lost somehow and I don't have it. 

I have attempted to request a replacement card through my online account many times. Every time, I am told the request is denied for security reasons and that I must call in. 

I called the provided phone number and followed the prompts of the robot. The robot looped me back to the same online replacement request process, which failed again. I believe I attempted this twice, the second time trying a different option with the robot but it failed both times. 

I called again, this time after looking up Wells Fargo 's general customer service number in the hope of talking to a real human. I correctly followed all the robot prompts to speak with someone about my credit card account. When a human finally answered, the human took all my details and asked me several questions for about XXXX minutes, then in the end said she didn't handle this issue and needed to transfer me somewhere else. 

I was then transferred to a hold line. I waited on hold and nobody ever picked up nor was any update announced regarding wait times or place in line. I finally hung up after waiting on hold for half an hour. Before I was transferred, I asked the human to give me the direct phone number for where she was transferring me so I could call back if I was disconnected. I called this direct phone number, which was answered by another robot. At that point I gave up. 

Basically I spent hours in total trying to get a replacement card from Wells Fargo and Wells Fargo did not do it. I've been in good standing with Wells Fargo for many years and still am as far as I know. I am not sure what the security concern is because the account has a {$0.00} balance and is not being used because I don't have the card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX XXXX Account XXXX XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
My PayPal account was recently closed without any clear or specific explanation. I received a notice stating that my account was permanently limited and could not be restored, but PayPal has not provided details about what information was reviewed or what policy they believe was violated.

I depend on this account for personal transactions and online payments, so the sudden loss of access has caused significant inconvenience. I contacted PayPals customer support several times to request clarification, but every response has been a generic statement that my account is permanently limited. No specific reason, evidence, or explanation has ever been given, and I have not been told what activity triggered this action.

To my knowledge, I did not violate any of PayPals terms of service. Without information about what led to the restriction, I am unable to understand the decision or address any potential misunderstanding. 

I am requesting : XXXX. A full review of my accounts closure, XXXX. The specific reason for the permanent limitation, XXXX. The policy, rule, or criteria PayPal believes was triggered, and 4. Any documentation supporting their decision.

If there is no clear basis for a permanent limitation, I am requesting that PayPal restore my account or provide a more complete explanation of their determination. 

Thank you for your assistance in obtaining a clear and detailed response from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
I am filing this formal complaint against the credit reporting agencies for reporting false, inaccurate, and unauthorized addresses on my consumer file. These addresses are not mine, have never been mine, and their appearance on my credit report raises serious concerns about potential file-mixing, identity errors, or unauthorized activity. 

Below are the incorrect and fraudulent addresses currently appearing on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  WRONG ADDRESS I have never lived at these locations, nor have I ever used these addresses for any purpose. Reporting addresses that do not belong to me is a direct violation of the Fair Credit Reporting Act ( FCRA ), including : FCRA 602 Right to fair and accurate reporting FCRA 607 ( b ) Requirement for maximum possible accuracy FCRA 609 ( e ) Protection against identity theft and unauthorized information FCRA 611 Duty to reinvestigate disputed information These false addresses are harmful, misleading, and create the potential for inaccurate association with accounts or activity that have nothing to do with me. This is unacceptable and must be corrected immediately.

I am requesting the following actions : Immediate investigation into how these unauthorized addresses were added to my consumer file.

Immediate removal/deletion of all inaccurate and unverified addresses listed above.

Confirmation in writing that these addresses have been deleted and permanently disassociated from my profile. 

Documentation showing the furnisher or entity that supposedly provided these addresses. 

A full review of my file to ensure no additional inaccurate or unauthorized information is being reported. 

The continued reporting of addresses that do not belong to me is causing serious harm, and I am escalating this issue to the CFPB to ensure compliance with federal law. I expect a prompt and thorough resolution. 

Thank you for your attention to this matter. I request that all communications be provided in writing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: GA

Complaint narrative:
I am writing to file a dispute regarding the inaccurate reporting of several accounts listed on my credit report. Below is a detailed description of the accounts in dispute, which have been reported incorrectly or incompletely. I request that the items be investigated and corrected as per the Fair Credit Reporting Act ( FCRA ). 

Charged Off 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Date : XX/XX/year>XXXX XXXX XXXX  RE : Request for Debt Validation * * Account No : To Whom It May Concern, I am formally requesting validation of the alleged debt referenced above, as is my right under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g.

I do not acknowledge this debt and request that you provide complete validation, including : 1.Proof that I am legally obligated to pay this debt A copy of the original signed contract or agreement Documentation showing the accounts creation and ownership 2.Proof of chain of custody / assignment All transfers, sales, or assignments of this debt from the original creditor to your agency 3.A full itemized accounting Breakdown of all charges, interest, fees, and payments applied 4.Verification from the original creditor The name, address, and conta
ct information of the original creditor The date the debt was allegedly incurred The date of last payment 5.Proof you are licensed to collect in my state Your debt collection license number The state where the license was issued Until this information is provided, you must cease all collection activity, including phone calls, reporting, and correspondence, as required by law. 

If you are unable to validate this debt, you must : Cease collection efforts, and Delete all information you have reported to the credit bureaus regarding this account. 

Please send all written responses to the address listed at the top of this letter. I request that all future communication be in writing only. 

Thank you for your cooperation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Product : " Checking or savings account '' Sub-issue : " The company closed my account '' Description of Problem : This new complaint details a severe retaliatory campaign by Wells Fargo that has escalated since I filed my prior CFPB complaints, # XXXX and # XXXX. 

After filing those complaints, Wells Fargo engaged in the following unlawful actions : Retaliatory Account Closure : On XX/XX/year>, Wells Fargo closed my personal and business checking accounts. The stated reason was " compromised, '' which we contend is a pretext for retaliation. 

Illegal Data Sharing CONFIRMED : On XX/XX/year>, in a formal meeting, an Adult Protective Services ( APS ) agent admitted that Wells Fargo provided our confidential customer phone number to her agency without our consent. This is a clear violation of the XXXX XXXX ( XXXX ). The agent also confirmed she never received any evidence from Wells Fargo to support their false report. 

Ongoing Criminal Investigation : The same meeting confirmed that the criminal fraud case regarding the original scam is an active, ongoing investigation with local police. This officially validates that we are crime victims, a fact Wells Fargo ignored. 

Wells Fargo 's response to my exercise of consumer rights has been a campaign of retaliation, defamation, and privacy law violations, not a good-faith resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: NC

Complaint narrative:
My consumer file contains multiple accounts, inquiries, and records that are inaccurate, outdated, or unverifiable in violation of FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ). These inaccuracies have caused significant harm to my creditworthiness and its really frustrating.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I would like to request the removal of the security freeze on my credit report to allow authorized financial institutions to access my credit history. This is necessary for the processing of my loan application, which requires a review of my creditworthiness and financial standing. Please proceed with lifting the freeze as soon as possible to ensure a smooth and timely evaluation of my application.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I am filing a complaint because I believe Bank of America did not handle my chargeback dispute fairly or according to proper procedure. 

I disputed a purchase from XXXX due to a specific design discrepancy involving the clasp width and construction of a XXXX necklace. I submitted photographic evidence directly related to this issue. The merchant did not address my evidence and responded only about magnetic properties of the clasp, which was not the basis of my dispute. 

Bank of America closed my dispute extremely quickly without requesting clarification, without asking for additional evidence, and without giving me time to obtain further documentation. My case was denied the same day the status first updated. 

I was told that I needed to provide a jewelers authentication, but a jeweler can not verify XXXX clasp construction or design variation. This requirement does not match the actual nature of my dispute, which was about hardware design, not metal purity. Because of this, I was held to an impossible standard of evidence that can not be provided by a jeweler. 

I am requesting that Bank of America reopen the dispute, review the actual evidence I submitted ( the clasp-width design discrepancy ), and evaluate my case with the correct standard. I am willing to provide screenshots showing the timeline of the dispute and the merchants refusal to address the specific evidence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: NY

Complaint narrative:
I am a consumer working to resolve inaccuracies in my credit report. I am disputing the following accounts and information as they are inaccurately reported and do not reflect my actual credit history. I respectfully request that the appropriate corrections be made. 

Charged Off Accounts XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00} Description : Disputing the reporting of this account. 

XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00} Description : This account is incorrectly reported, and I am disputing its accuracy. 

Late Payments : XXXX Account XXXX : XXXX Description : Disputing the reported late payment for this 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 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
an account was opened fraudulently and i have been trying to get the account closed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am filing this complaint against Experian for violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 611 ( a ) ( 7 ). 

On XXXX, I sent Experian a certified Request for Method of Verification concerning a XXXXXXXX XXXX  XXXX XXXX XXXX ( XXXX  ) loan that I disputed. XXXX XXXX previously stated only that the account was verified, with no explanation. 

My request asked Experian to provide : The name, address, and phone number of the entity that verified the account. 
The documentation relied upon in the investigation. 
A description of the procedures used to verify the information. 

Experian failed to provide any of the required details. Instead, they sent an automated email directing me back to my online report, which still says only verified updated. This does not satisfy the disclosure requirement of FCRA 611 ( a ) ( 7 ) and demonstrates a failure to conduct a reasonable reinvestigation under 611 ( a ) ( 6 ) ( B ) ( iii ). 

Experian continues to report the XXXXXXXX XXXX XXXX tradeline even though the furnishers own documentation contains contradictory and inaccurate identifying information. Because Experian refuses to disclose its method of verification, I have no way to confirm that any real investigation took 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