vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXXXX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : Failure to Honor My 15 U.S.C. 1681c-2 ( Section 605B ) Identity Theft Request To Whom It May Concern, This letter is in response to your recent correspondence indicating that the accounts I disputed under 15 U.S. Code 1681c-2 was " verified on Confirmation number XXXX This response is unacceptable and appears to be a direct violation of my rights under federal law.

Let me be very clear : I submitted a request pursuant to 15 U.S.C. 1681c-2 ( Section 605B ) of the Fair Credit Reporting Act ( FCRA ), which mandates that a consumer reporting agency must block the reporting of any information that is the result of identity theft within 4 business days of receiving the proper documentation. 
Your obligations under 15 U.S.C. 1681c-2 are as follows : You must block the fraudulent information from my credit report within 4 business days of receiving : Proof of identity, A copy of the identity theft report My written statement identifying the accounts in question as fraudulent, and A statement that the information is not related to any transaction I made. 


Verification is not a sufficient reason to continue reporting fraudulent data. Once an identity theft report is submitted under Section 605B, the law does not allow you to simply " verify '' the information with the furnisher and continue to report it. Therefore, I demand that Equifax immediately : Permanently block the reporting of the fraudulent accounts I identified under Section 605B ; Send me written confirmation that these accounts have been removed ; Refrain from reinserting the fraudulent data unless all conditions unde
r 15 U.S.C. 1681c-2 ( c ) are met, including written certification from the furnisher and proper advance notice to me.

If Equifax fails to comply, I am prepared to escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General 's Office. I also reserve the right to pursue legal action for willful noncompliance under 15 U.S.C. 1681n and/or negligent noncompliance under 15 U.S.C. 1681o.

Please treat this matter with the seriousness it deserves. I expect written confirmation of compliance within 4 days of the date of this letter. Accounts are listed below Sincerely, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX account number ending in XXXX XXXX XXXX account number ending XXXXXXXX XXXX XXXX account number ending in XXXX XXXX XXXX XXXX account number ending XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
On XX/XX/year>, we took a check from XXXX XXXX, drafted off their XXXX XXXX account, to Wells Fargo at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. XXXX. We spent at least an hour with the bank XXXX, XXXX XXXX XXXX XXXX Her email is XXXX. 
XXXX never tried to call the main Wells Fargo branch listed on the check. After she had us leave to talk to someone else, she quickly called and said they weren't going to do anything. 
We have had an account with Wells Fargo for XXXX years and we have XXXX direct deposits that are posted there every month, yet they refuse to help us with a check that was issued from their own bank. Their customer service is horrible. 
We were cashing the check to get a cashier 's check in order to buy our new car. The XXXX XXXX check was issued to us for selling our existing car to them. XXXX XXXX is a large company that banks with Wells Fargo. 
We went to XXXX XXXX and they put a XXXX hold on the Wells Fargo check XXXX but told us if we come into the branch in the morning, they will call the North Carolina bank to verify funds and issue us a cashier 's check. There is no reason for Wells Fargo to treat us so poorly.

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 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: VA

Complaint narrative:
This company sent me an email stating they will not honor the terms of the sign up offer for {$700.00}. They made me an offer online and gave me a bonus code. I utilized the code and signed up due to the offer and the terms presented. I complied with the terms of the offer and had over {$10000.00} deposited in consideration of the offer. They accepted the deposits. 

They now claim they will not honor the contract because my address was not in their system. They stated that my address must be recorded as part of a mailer campaign. This was not listed as a condition within the offer presented to me. They sent the terms to me when I requested them, and I confirmed it was not a condition.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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:
To Experian, This is an uncompromising CFPB complaint demanding urgent and immediate action. Under the strict and non-negotiable provisions of FCRA 605B ( 15 U.S.C. 1681c-2 ), Experian is ordered to block and remove the fraudulent information on my credit report within an inflexible deadline of XXXX business days upon receipt of this complaint. The fraudulent accounts, which must be eradicated without hesitation, are : XXXX XXXXXXXX XXXX  XXXX XXXX {$640.00}, XXXX XXXXXXXX XXXX XXXXXXXX {$3100.00}, XXXX XXXX XXXX {$650.00}, XXXX XXXX {$900.00}, XXXX XXXXXXXX {$420.00}. The following inquires are not authorized Onemain ( XX/XX/year> ) XXXX XXXX XXXX  XX/XX/year> ) XXXX ( XX/XX/year> ) XXXX XXXX ( XX/XX/year> ) Lightstream ( XX/XX/year>. ) These fraudulent accounts have resulted in unauthorized hard inquiries and false collections tarnishing my XXXX credit report. I emphatically reject any insinuations that I authorized these accounts, emphasizing that they are irrefutable evidence of identity theft and fraud. Enclosed is the FTC Identity Theft Criminal Complaint ( # XXXX ), undisputed documentation from the XXXX Federal Trade Commission proving the fraudulent nature of these accounts, collections, and inquiries. Failure to act with immediate and decisive force to block and obliterate this fictitious information from my credit report will not be tolerated. Should Experian fail to respond within the stated time frame, be prepared for relentless and aggressive legal action to enforce my rights under the FCRA. This is a final directive, not a request.

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 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: SC

Complaint narrative:
I have had many card locked by cash app not able to get back in to them, the XXXX live help team was no help, I understand there is a settlement for the cash app not having a true person to speak with. Ive had money taken from my account with cash app not able to help at all, multiples charges not able to be disputed or refunded through cash app help team, Im wanting to claim my settlement of money owed on behalf of cash app help team.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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:
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 XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXXXXXX XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXXXXXX 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 2025-07-14 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of 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 non-monetary relief
Consumer complaint received 2025-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As a result of the theft, I should not be held responsible for any ongoing payments, delinquencies, or repossession actions associated with this account. I respectfully request that this account be thoroughly investigated and removed from my credit file, as it is a result of a crime outside of my control.

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 2025-07-14 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: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
I am a victim of identity theft, my information was leaked in a data breach. Accounts have been fraudulently opened in my name and I have tried to rectify this issue on my own with no success. The following accounts are listed below : -XXXX {$22000.00} -XXXX XXXX  {$18000.00} -XXXX  {$40000.00} XXXX ( inquiry ) -XXXX ( inquiry ) -XXXX XXXXXXXX XXXX ( inquiry ) -XXXX XXXX XXXXXXXX {$1800.00} XXXX {$4300.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNTS : XXXX  - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX after much effort to restore my credit from ID theft, I placed a freeze on my XXXX account. On XX/XX/XXXX @ XXXX pm I sent a dispute letter to XXXX Equifax, XXXX and XXXX, because I had discovered inaccuracies due to being turned down for credit. Within the dispute I requested that each agency respond within XXXX days to confirm receipt. The tracking numbers confirmed date of receipt and signature, yet none of the agency 's met the deadline, showing bad faith. Further, XXXXXXXX XXXX XXXX and Equifax ALL sent a letter ( which i believed to have been back dated ) stating that they were unable to verify my identity. Equifax sent their letter to the wrong address, The fact that each agency sent a letter basically saying the same thing is alarming Because, l included my color copy government D 's, SSN etc. I have been dealing with this off an on since XXXX. These agencies do not do a thorough investigation according to the law, they simply stall the consumer and make a phone call as verification. 

XXXXXXXX XXXX, Equifax and XXXX each have confirmed data breaches of their systems. 

Because, I included my color copy government ID 's, SSN etc. ( I have been dealing with this off an on since XXXX ) yet they all claim they can not verify me. Again I believe they are acting in bad faith. These agencies do not do a thorough investigation according to the law, they simply stall the consumer and make a phone call as verification XXXX XXXXXXXX XXXX, Equifax and XXXX each have confirmed data breaches of their systems, yet they will not remove these items from my accounts in accordance with the law. Nor, will the authenticate with : 1. A detailed list of history of payments 2.A Original contract, complete with a wet signature.

3. Any insurance claim filed on the debt.

4. The chain of title to collect on the debt.

5. Any other relevant License or information that legally allows them to collect on a debt in that state There are multiple items incorrect on.my account and none of the reporting agencies information matches as Congress ordered by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: CBC Companies, Inc.
State: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: CA

Complaint narrative:
Im reaching out for your assistance regarding an issue Im facing with XXXXXXXX XXXX that has negatively impacted my credit report. 

In XX/XX/XXXX, I financed a mobile loan through XXXX XXXX via XXXX. XXXX and I were both responsible for monthly payments. I was told by XXXX that initial amounts might be incorrect and to just make minimum payments until the system updated. I made lump-sum payments regularly during that period. 

On XX/XX/XXXX, I received an email from XXXX stating more payment was needed. I contacted their customer service and was told to pay {$81.00}, which I did. They also told me any over-payments would be refunded at the end of the XXXX contract. I received confirmation of this payment. 

After returning from a trip to New York, I received Experian alerts that my XXXX XXXX account was reported delinquent. On XX/XX/XXXX, I spoke to rep ID XXXX and paid another {$39.00} for the next month. I was told to email them to correct the credit report. 

Later, I received a letter claiming my account was past due by {$8.00}. When I called on XX/XX/XXXX at XXXX XXXX, I was told the account was current and nothing had been reported. Yet, my credit report still shows a XXXX late mark. 

All my efforts to resolve this directly with XXXXXXXX XXXX have been unsuccessful. Additionally, there is no direct contact information for their credit reporting department. I believe that XXXX XXXX has provided inconsistent and misleading information regarding my payments. I followed their customer service guidance in good faith and made the required payments. If their representatives gave me incorrect information, they should be held accountableit should not result in damage to my credit history, which has been flawless for XXXX years without a single late payment. 

I would appreciate your help in resolving this issue, including any steps we can take to compel XXXX Bank to correct the inaccurate reporting. 
Please let me know how we can proceed and what documents you need from me.

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 2025-07-14 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: CA

Complaint narrative:
Im reaching out for your assistance regarding an issue Im facing with XXXXXXXX XXXX that has negatively impacted my credit report. 

In XX/XX/XXXX, I financed a mobile loan through XXXXXXXX XXXX via XXXX. XXXX and I were both responsible for monthly payments. I was told by XXXX that initial amounts might be incorrect and to just make minimum payments until the system updated. I made lump-sum payments regularly during that period. 

On XX/XX/XXXX, I received an email from XXXX stating more payment was needed. I contacted their customer service and was told to pay {$81.00}, which I did. They also told me any over-payments would be refunded at the end of the XXXX contract. I received confirmation of this payment. 

After returning from a trip to XXXX XXXX I received Experian alerts that my XXXX XXXX account was reported delinquent. On XX/XX/XXXX, I spoke to rep ID XXXX and paid another {$39.00} for the next month. I was told to email them to correct the credit report. 

Later, I received a letter claiming my account was past due by {$8.00}. When I called on XX/XX/XXXX at XXXX PM, I was told the account was current and nothing had been reported. Yet, my credit report still shows a XXXX late mark. 

All my efforts to resolve this directly with XXXXXXXX XXXX have been unsuccessful. Additionally, there is no direct contact information for their credit reporting department. I believe that XXXXXXXX XXXX has provided inconsistent and misleading information regarding my payments. I followed their customer service guidance in good faith and made the required payments. If their representatives gave me incorrect information, they should be held accountableit should not result in damage to my credit history, which has been flawless for XXXX  years without a single late payment. 

I would appreciate your help in resolving this issue, including any steps we can take to compel XXXXXXXX XXXX to correct the inaccurate reporting. 
Please let me know how we can proceed and what documents you need from me.

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