vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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:
Subject : Request for Reinstatement of Credit Score Dear Equifax Representative, I am writing to formally request the reinstatement of my Equifax credit score, which appears to have been removed, suspended, or otherwise made unavailable on my credit report. 

I recently reviewed my credit file and noticed that my credit score is no longer displayed or accessible. To the best of my knowledge, there has been no recent activity or dispute that should have caused its removal. I kindly ask that you review my account and reinstate my credit score as soon as possible. 

Please inform me if any additional documentation is required to process this request. I would appreciate written confirmation once my credit score has been reinstated or if further action is needed on my part. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THIS IS INACCURATE LATE PAYMENT.I WAS NEVER BEEN LATE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
I Purchased my XXXX XXXX edge in XX/XX/XXXX. In XX/XX/XXXX less than a year later my car went down due to engine failures. This month a recall for the same engine failures came out. I was wanting to remove the vehicle from my credit due a dysfunctional vehicle being sold to me. Also this situation is under lemon laws which protect people from being sold bad cars that shut down in less than a year

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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:
I am writing to formally dispute inaccurate information regarding certain accounts that have been reported to the credit bureaus. Below are the accounts that I believe to be incorrect, and I request your assistance in investigating and correcting them. 
Charged-Off Accounts : XXXX XXXXXXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$890.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$670.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} Inquiries : Experian ( XXXX ) XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX Experian ( XXXX ) XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : 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 2025-11-10 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: MN

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 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
I lost my debit card for sofi bank. There was multiple accounts of fraud on my account. During this time period I got no texts or notifications about suspicious activity. The charges were all at random gas stations in towns I dont even live in or have never been to before as well as vending machines and a XXXX ive never been to. During this time I was in a trip in a completely different town than where these charges were happening. I provided proof of this. It is impossible for me to be making purchases in 2 different towns at the same time. I also filed a police report and let them know the case number for that report as well. They keep denying my dispute and I have no idea why. They will not provide me reasons as to why. I have been in email contact for about a month and have tried calling about 5-6 times now and still no result. Im over it at this point I want my money back and their policy says as long as I report the fraud within 60 days they will give it back so I dont know why they are continuing denying it. I reported the fraud within 2-3 days of noticing it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-10 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: NAVY FEDERAL CREDIT UNION
State: GU

Complaint narrative:
Dear NAVY FCU, I am writing to you regarding my account with your company, Account XXXXXXXX XXXX XXXX XXXX XXXX  I want to first express my gratitude for the opportunity to maintain a relationship with your organization and for your continued service. 
Upon reviewing my recent credit report, I noticed a negative item reported on my account that I believe may have been the result of a billing or reporting error, hardship, or an isolated incident that does not reflect my overall payment history with your company. In accordance with 15 U.S.C.

1666, I am exercising my right to request an investigation and correction of this item. This section of the Fair Credit Billing Act requires creditors to promptly investigate and correct billing errors once written notice is received.

I would like to respectfully request a goodwill adjustment for this account, removing or updating the negative information as a gesture of understanding and goodwill. Since this occurrence, I have consistently maintained timely payments and demonstrated responsible financial management. 
This single issue does not represent my overall commitment to meeting my obligations

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My account been locked for 3 years and they told me I have to go to a branch which is not in my city I told them over the phone they wont fix it

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 2025-11-10 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: MD

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THIS IS INACCURATE ACCOUNTS. IT DOES NOT BELONGS TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/year>, Wells Fargo abruptly closed my checking account and froze all associated funds without any prior notice, outreach, or verification. This unilateral action caused immediate financial harm, including outstanding payments that can not clear. 

A Wells Fargo representative informed me the account might have been flagged due to my recent move from Washington, XXXX to Virginia and the fact that I did not yet have a Virginia drivers license when the account was opened. Acting in good faith, I went to a local branch, presented two forms of ID, and provided both mortgage and utility statements verifying my Virginia address.

The branch manager contacted the back office and discovered that the closure was actually triggered by a transfer from another personal accountmy verified U.S.-based credit union account , also in my name. These transfers were legitimate, and I would have immediately provided documentation confirming the lawful source of funds had anyone reached out to me before taking such a drastic step. 

These transfers were funded by my employers payroll and direct deposits. They were made solely because XXXX XXXX internal transfer system has experienced recurring failures, which I have previously reported multiple times ( records should exist in XXXX XXXX service logs ). 

Despite this, the bank froze my funds without investigation or verification. The 30+ day timeline a Wells Fargo representative provided for potential release of funds is unacceptable and creates financial distress. 

Among the frozen funds is a {$2000.00} check issued last week to XXXX XXXX, a local home remodeling contractor. This check must be honored immediately to prevent further financial and reputational harm. 

I have already filed an internal complaint with Wells Fargo. However, the issue remains unresolved, and my account is still inaccessible. 

I understand that preventing fraud is an important responsibility, however, if I had known how careless and opaque XXXX XXXX fraud review process is- and how little scrutiny or customer engagement occurs before life-impacting decisions are made - I would never have opened an account. Legitimate account holders like me are being caught up in their deeply flawed and impersonal system, which appears to be such by design.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-10 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: NY

Complaint narrative:
{$760.00} owed to XXXX - identified the debt in XXXX but debt was started in XXXX of XXXX. I got a police report as soon as I found out - but have not yet been able to get the debt removed from my credit. Police report is attached. I have shared with XXXX - the creditor - and both credit bureaus- and have heard nothing back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Date Method Department / Contact Summary of Conversation / Action Taken Result XX/XX/year> Phone ( Customer Service ) Rep : XXXX Called to dispute credit card account ending in XXXX stated I never opened or authorized it. Provided SSN and address for verification. Rep confirmed investigation would begin. Told it would take XXXX  days. 
XX/XX/year> XXXX Wells Fargo Credit Bureau Dispute Dept. Followed up on investigation no written response received. Attached prior case reference # XXXX. Received automated acknowledgment only. 
XX/XX/year> XXXX Mail Wells Fargo Bank , N.A . XXXX XXXX  XXXX, XXXX. Box XXXX, XXXX XXXX, IA XXXX Sent formal written dispute under FCRA Section 611. Requested removal of inaccurate debt and copies of any evidence linking account to me. XXXX delivery confirmed XX/XX/XXXX. No response received. 
XX/XX/year> Phone Escalation Department Called again to confirm receipt of dispute letter. Rep noted case was still under review. Requested callback from supervisor. No further updates provided.

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 2025-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy Federal processed a {$75000.00} domestic wire. The funds were debited from my account but the wire was not released because the branch manager who was required for dual approval is unavailable. I have been told that the transaction can not be released or reversed. This constitutes an unlawful Regulation E funds accessibility violation, as there is no fraud, XXXX hold, dispute, or compliance review. I am requesting regulator intervention to force either release or return of funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: TX

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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