vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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:
Consumer Financial Protection Bureau Complaint Company Complained About : Equifax Information Services, LLC Other Companies Involved : XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX. 
Complaint Type : Incorrect / incomplete information on credit report Details of Complaint : Equifax is willfully reporting multiple inaccurate and unverifiable tradelines and inquiries, in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Gramm-Leach-Bliley Act ( GLBA ), and Georgia state consumer protection laws. 
XXXX XXXX XXXX XXXX {$2200.00} ( Opened XX/XX/XXXX ) Reported as Open with no original creditor listed. XXXX XXXX is a debt buyer, not a creditor, and can not legally report an account as Open.

The missing Original Creditor field renders the tradeline incomplete and unverifiable under FCRA 1681g ( a ) ( 2 ).

Reporting across bureaus is inconsistentJefferson does not appear on XXXX FCRA 1681e ( b ) ( maximum possible accuracy ).

Misreporting the legal status of debt also violates FDCPA 807 ( false representation ). 


IC System Collection {$390.00} ( Opened XX/XX/XXXX ) Equifax reports this tradeline as Open, which is false and misleading since XXXX XXXX is a third-party collector, not a creditor. 


Critical fields ( account type, account status details, original creditor ) are missing or incomplete. 


Equifax reports XXXX XXXX differently than TransUnion, again violating XXXX ( b ). 


Hard Inquiries ( XXXX ) Equifax is reporting multiple hard inquiries ( ALLY, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX via dealer, XXXX XXXX, XXXX, Global Lending, XXXX XXXX ). 


Several of these were made without permissible purpose under FCRA 1681b ( a ).

Dealer shotgunning inquiries without direct consumer authorization is not compliant with FCRA or GLBA ( privacy protection ).

Harm Caused : My score and creditworthiness have been severely damaged.

Ive been denied approvals, faced higher costs, and suffered years of reputational harm.

The continued reinsertion and misreporting, despite prior disputes, shows willful noncompliance.

Relief Requested : Permanent deletion of XXXX XXXX tradeline. 


Permanent deletion of XXXX XXXX tradeline. 


Permanent deletion of all unauthorized hard inquiries. 


Written certification that no reinsertion will occur without full compliance with FCRA 1681i ( a ) ( 5 ) ( B ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
When I went and disputed fraudulent accounts on my credit report, I never got a proper investigation. These accounts are negatively impacting me by still being on my report. The only thing that I received was a letter stating that I didn't provide enough information for them to do an investigation. I will upload everything that I sent to all three credit bureaus. The fraudulent accounts are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. The credit bureaus violate 15 USC 1681i and 15 USC 1681 ( e ) ( b ) by not looking into my dispute and investigating like they should.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
When I went and disputed fraudulent accounts on my credit report, I never got a proper investigation. These accounts are negatively impacting me by still being on my report. The only thing that I received was a letter stating that I didn't provide enough information for them to do an investigation. I will upload everything that I sent to all three credit bureaus. The fraudulent accounts are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. The credit bureaus violate 15 USC 1681i and 15 USC 1681 ( e ) ( b ) by not looking into my dispute and investigating like they should.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: TX

Complaint narrative:
Spoke to Wells Fargo on XX/XX/year> about several unauthorized charges on my wifes and my personal debit cards including some banks transfers. After seeing several changes Wells Fargo made on their app with the claims showing closed/open/processing/amounts being changed/charges being removed, I called them on XX/XX/year> to ask why are they changing so many things and removing charges and also when I would start receiving reimbursements for all the unauthorized charges. 
I was advised they could not find any evidence of unauthorized charges and that all of the claims have been denied. 
I then asked how they did not find any evidence out of the many charges that were unauthorized and that I felt they just decided to deny the whole claim because of the amount being over $ XXXX which still is not right at all. 
In closing I asked if Im able to appeal their outrageous decision and how to go about it, but I was advised the denial is the final decision and unable to appeal.

Im so saddened how they have treated my claims with never having an issue or claim with them ever prior to this issue. 
This has been so stressful on me and unfair to not cover purchased that were unauthorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: MO

Complaint narrative:
Challenged entry : XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX Experian. 
Provide signed/digital consent, PP code ( 1681b ( a ) ), hard/soft basis, subscriber ID, and audit log. Codes are not proof. If unverifiable, delete under 1681i ( a ) ( 5 ) ( A ). 607 ( b ) accuracy, Reg V 1022.42, and XXXX require independent, documentary verification. 
Enclosures : ID ; address proof ; highlighted Experian inquiry page ( this line ). 
XXXX ) XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ( Experian ) RE : Deletion/correction demanded XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Challenged entry : XXXX XXXX XXXX All Banks non specific XX/XX/XXXX Experian. 
The type-of-business label is facially misleading under 607 ( b ). Produce authorization, PP code, hard/soft basis, subscriber ID, audit log ; correct the label or delete. Codes are not proof. 611 ; XXXX ; Reg V.

Enclosures : as above. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Experian ) RE : Deletion demanded XXXX XXXX XXXX XX/XX/XXXX Challenged entry : XXXX XXXX Bank XXXX XXXX XX/XX/XXXX Experian. 
Provide signed authorization, PP code, hard/soft basis, subscriber ID, audit log. If not verified to documentary standard, delete. 607 ( b ), 611, 604 ( a ) ; Reg V ; XXXX. Codes are not proof. 
Enclosures : as above. 
XXXX ) XXXX XXXX XX/XX/XXXX ( Experian ) RE : Deletion demanded XXXX XXXX XXXX XX/XX/XXXX Challenged entry : XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Experian. 
Same demands and legal grounds as # XXXX. Codes are not proof. Delete if unverifiable under 1681i ( a ) ( 5 ) ( A ). 
Enclosures : as above. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Experian ) RE : Deletion demanded XXXX XXXX XXXX XX/XX/XXXX Challenged entry : XXXX XXXX Bank XXXX XXXX XX/XX/XXXX Experian. 
Provide authorization + PP code + hard/soft rationale + audit log ; else delete. 607 ( b ), 611, 604 ( a ) ; XXXX ; Reg V. Codes are not proof. 
Enclosures : as above. 
XXXX XXXX XXXX XXXXXX/XX/XXXX ( Experian ) RE : Deletion demanded XXXX inquiry XX/XX/XXXX Challenged entry : XXXX  Mortgage Reporters XX/XX/XXXX Experian. 
Mortgage pulls require a signed mortgage application. Provide the executed mortgage app, PP code, audit log, subscriber ID, and hard/soft basis. Codes are not proof. Delete if unverifiable under 1681i ( a ) ( 5 ) ( A ). 607 ( b ) ; 611 ; 604 ( a ) ; Reg V ; 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 2025-10-01 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:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-10-01 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:
PLEASE BLOCK AND REMOVE. 
This illegitimate account should be removed from my credit file right away. I never authorized it. Records 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 explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2025-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
Nationstar acquired our XXXX XXXX XXXX mortgage in about XXXX after we had already submitted paperwork for a loan modification with XXXX so we had to start all over again with Nationstar who had a sale date placed on our house which is why we signed the loan papers rather than lose our home. When CFPB filed a XXXX  or so class action suit against them for " alleged mortgage servicing violations '', we were not included by Nationstar since we were not notified of the lawsuit like thousands of others l, in my opinion, we also not notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: NY

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 : INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} 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, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
There was a malicious charge on my XXXX  account ( for {$23.00} ). I filed a dispute with XXXX  and they notified me that my account would be frozen pending the outcome. After several days they resolved the dispute in my favor and advised that my account would be unfrozen. It was not. The next day I received another email telling me that my account was unfrozen... it was not. Called customer service and after XXXX ' I reached person ( XXXX ) who was completely unhelpful. He said he would email the department that deals with this and that hopefully it would be resolved within 24 hours. Thus far no resolution of the problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-01 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: MN

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
Consumer complaint received 2025-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citibanks customer support is genuinely ridiculous and shameful. For the past 3 days, the customer service phone number is on hold for 3 to 4 hours everyday and it disconnects after that. No one comes on the phone and the branch staff is unable to answer the question " why our customers sending money via XXXX  is rejected ''. 

When a critical issue arises and a customer needs immediate help, the experience is nothing short of abysmal. I have repeatedly spent hours on holdnot minutes, but literally hoursonly to be disconnected or passed around without resolution. The representatives are either unreachable or unable to provide meaningful support, leaving essential issues unresolved and the customer stranded. 
The lack of respect for a customer who has trusted this institution for a quarter-century is shocking. Citibank appears to have completely prioritized automation and cost-cutting over human connection and competent service. A bank can not claim to value its clients when it actively refuses to answer the phone or provide any form of timely, human response. 

This is not poor service ; this is an outright failure of infrastructure and management. I strongly advise prospective customers to look elsewhere, and current long-time customers to recognize that their loyalty is meaningless to this organization. The service we are receiving today is an absolute betrayal of trust.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: TX

Complaint narrative:
I have consistently paid this account on time and request that my record be corrected to reflect this accuracy. It is disappointing to encounter such an error given my reliable payment history.

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