vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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: MI

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-07-16 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: CA

Complaint narrative:
I am a victim of identity theft, and I am submitting this complaint due to repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ) by XXXX or more credit reporting agencies. The issue specifically concerns the reinsertion of fraudulent accounts that were previously disputed and deleted, without providing the proper legal notice or identifying the furnishers as required by law. 

This is a direct and willful violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which mandates : A consumer reporting agency may not reinsert deleted information unless the furnisher certifies that it is accurate and complete. Within XXXX business days of reinsertion, the agency must notify the consumer in writing and provide the name, address, and telephone number of the furnisher. 

No such notification was ever provided to me, and the accounts continue to cause serious damage to my credit report and financial reputation. 



Fraudulent Accounts Reported : XXXX. XXXX XXXX Account # : XXXX Fraud began : XX/XX/XXXX Discovered : XX/XX/XXXX XXXX. XXXX XXXX Account # : XXXX Fraud began : XX/XX/XXXX Discovered : XX/XX/XXXX XXXX. XXXX XXXX Account # : XXXX Fraud began : XX/XX/XXXX Discovered : XX/XX/XXXX XXXX. XXXX Card Account # : XXXX Fraud began : XX/XX/XXXX Discovered : XX/XX/XXXX These fraudulent accounts do not belong to me, and I have never authorized them. My identity was used without my knowledge or consent. 



FCRA Violations Involved : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Failure to notify consumer of reinsertion.

15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681c-2 Failure to block fraudulent information after identity theft notice.

15 U.S.C. 1681g Failure to provide the full information contained in the consumer file. 



Requested Resolution : To resolve this matter fairly, I request the following actions : XXXX. Immediate and permanent deletion of all fraudulent and reinserted accounts from all credit reports ( Experian, Equifax, TransUnion ). 
XXXX. A written disclosure providing the name, address, and phone number of each furnisher that reinserted the deleted information. 
XXXX. A formal reinvestigation report with details of how these items were verified for reinsertion. 
XXXX. An official confirmation letter stating that these items will not be reinserted again. 
XXXX. Compensation or relief, if applicable, for the negative financial and emotional impact caused by these violations. 



Attached Document : FTC Identity Theft Report ( FTC # 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 2025-07-16 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:
Between XXXX XXXX XXXX, over {$1100.00} in unauthorized debit card charges were made on XXXX using my Wells Fargo debit card. I did not authorize or initiate these purchases, and I never received any of the merchandise. My card and my phone remained in my possession at all times. 

I reported the fraud to Wells Fargo on XX/XX/XXXX and my debit card was immediately canceled. I provided a full statement and documentation. Wells Fargo denied my claim, stating that the transactions were made using my phones IP address. I never received a copy of the investigation report, nor was I given a chance to respond before the decision was finalized. 

I have requested the following information from Wells Fargo : The XXXX address used to make the purchases The device ID tied to the activity The timestamps of the transactions The documentation used to deny my fraud claim To date, they have provided none of it. 

I have also contacted XXXX, who stated that they can not share order or shipping information with me for privacy reasons because I was not the purchasereven though the thief used my stolen card. XXXX XXXX confirmed there was no support they could offer and referred me back to Wells Fargo. 

I have filed a police report and a report with the FTC. I am requesting that Wells Fargo re-investigate this claim under Regulation E of the Electronic Fund Transfer Act. These were unauthorized transactions, and I have done everything required to report them properly.

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 2025-07-16 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: CT

Complaint narrative:
While reviewing my Equifax credit report, I noticed XXXX hard inquiries that were made without my knowledge or permission. These include : XXXX on XXXX, XXXX XXXX, XXXX XXXX, XXXX on XXXX, and XXXX XXXX XXXX I never applied for credit with these companies, and I did not authorize them to access my credit file. Under the FCRA, 15 USC 1681b, a consumer report may only be accessed with a valid permissible purpose and with the consumer 's consent. These inquiries were made unlawfully and without my authorization, which is a violation of my federal rights. This is similar to Duane v Experian, where the court ruled that unauthorized credit pulls without a valid purpose violate the FCRA. These inquiries were made without my consent or any legitimate reason. I'm demanding immediate deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Atlanticus Services Corporation
State: NC

Complaint narrative:
I disputed the information on the FTC complaint as it appears on my credit profile. I requested them to validate the debt to prove it belongs to me XXXX XXXX and if the debt could not be validated I would like for the debt to be removed from my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year> my auto bill check of {$380.00} for my condominium maintenance payment was processed by my bank- Citibank, just as it has been for XXXX years. On XX/XX/year> I was notified by the recipient ( XXXX XXXX XXXX ) that my payment had not been received. I called Citibank and asked for an investigation. During the course of the investigation, it became apparent that the check # XXXX had been intercepted, fraudulently endorsed, and presented to another bank. On XX/XX/XXXX the money was withdrawn from my account. The deposit signature is obviously fraudulent- it can be clearly seen on the check 's image. For the last 5 months (!! ), after multiple calls to Citibank, hours spent on the phone, and them opening and closing multiple ( XXXX ) cases related to the same payment, I have not yet received my funds with no provisional credit granted. I spoke to XXXX representatives, XXXX supervisors, and XXXX managers!! I have provided multiple notarized affidavits to Citibank as per their requests in a timely manner. I contacted Citibank today ( for the umpteenth time ) again, and neither the rep nor his manager could give me a timeline as to when I will get my money back. Going through this process for the past 5 months is leading me to believe that Citibank is skirting bank regulations related to fraud by closing and then opening new cases to stay within the time frame they are allowed to provide a resolution to their clients. 
My Citibank case numbers : 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 2025-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
XXXX Cash App for a transaction that the merchant has already approved. Despite that, Cash App still has the funds on hold. It has now been over XXXX  days. I contacted Cash App XXXX, and they told me the money will not be returned until XX/XX/XXXX with no reason other than procedural timelines. 

This delay is unacceptable. I am experiencing financial hardship, especially due to the flooding in Texas, and there is no reason why Cash App should be holding funds that are not in dispute.

Im requesting that Cash App immediately release the funds or escalate the case for faster resolution. 

Company : Cash App ( Square, Inc. ) Product type : Mobile or digital wallet Issue : Trouble using your mobile wallet or transferring money What resolution do you want? Immediate release of funds

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: MS

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am filing a formal complaint regarding several unauthorized hard inquiries listed on my Experian credit report. The inquiries in question were not initiated or approved by me. I have already contacted Experian to dispute them directly, but they informed me that due to their internal policy, they can only remove XXXX hard inquiries even if more are unauthorized. 

The following hard inquiries were not authorized by me and should be removed from my credit report : XXXX  XXXX NA XX/XX/XXXX XXXX  XXXX NA XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Bank XXXX XXXX XX/XX/XXXX I have not applied for any credit products from these institutions on or near the listed dates. These inquiries are affecting my credit profile and were reported without my consent. 

I respectfully request that the CFPB review this matter and urge Experian to fully investigate and remove these inquiries in compliance with the Fair Credit Reporting Act ( FCRA ). I am happy to provide further documentation if needed.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am reaching out to request an update to the address listed on my credit report to ensure that my records accurately reflect my correct information. SEE ATTACHED DOCUMENT.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am reaching out to request an update to the address listed on my credit report to ensure that my records accurately reflect my correct information. SEE ATTACHED DOCUMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
b'"I sent a certified letter to Transunion XXXX  with a tracking number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The letter was received on XXXX. Transunion did not reply to my request I proceeded to send another letter dated XXXX which was also ignored. The account I am disputing is with bank:XXXX XXXX XXXX XXXX XXXX XXXX  BALANCE XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Under 15 USC 1692c, you violated my rights by unlawful communications. This collection is invalid. Remove it from my credit report immediately or I will pursue all illegal remedies available.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: DISCOVER BANK
State: GA

Complaint narrative:
I was charged {$5000.00} by XXXX XXXX XXXX on my Discover Card ( ending in XXXX ) for a cruise that was later canceled by the merchant without prior notice. I did not receive the service, nor did I request the cancellation. I previously disputed a portion of this charge relating to a drink package, and Discover credited me {$730.00}. However, the remaining {$4200.00} charge remains unresolved. 

I submitted a formal billing error notice under 12 CFR 1026.13 and the Fair Credit Billing Act. Discover has refused to reopen or investigate the remaining charge, claiming the previous dispute " closed the matter, '' even though this is a new and separate billing error involving non-receipt of services. 

I am seeking a full reversal of the remaining {$4200.00}. I have provided written notice, documentation, and good faith efforts to resolve the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-16 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit 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. XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$400.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I routinely monitor my credit report because maintaining a strong credit score is very important to me. However, I continue to notice inaccurate and false information that has yet to be corrected, despite my repeated attempts to resolve the issue. This ongoing inaccuracy has become both mentally exhausting and unfairly damaging to my credit standing and overall well-being.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I routinely monitor my credit report because maintaining a strong credit score is very important to me. However, I continue to notice inaccurate and false information that has yet to be corrected, despite my repeated attempts to resolve the issue. This ongoing inaccuracy has become both mentally exhausting and unfairly damaging to my credit standing and overall well-being.

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 2025-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
While reviewing my TransUnion credit report, I noticed XXXX hard inquiries that were made without my knowledge or permission. These include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never applied for credit with these companies, and I did not authorize them to access my credit file. Under the FCRA, 15 USC 1681b, a consumer report may only be accessed with a valid permissible purpose and with the consumer 's consent. These inquiries were made unlawfully and without my authorization, which is a violation of my federal rights. This is similar to XXXXXXXX XXXX TransUnion, where the court ruled that unauthorized credit pulls without a valid purpose violate the FCRA. These inquiries were made without my consent or any legitimate reason. I'm demanding immediate deletion.

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 2025-07-16 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-07-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
I received a statement that my balance was {$120.00}. I sent a check through bill pay because I could not figure out how to pay with a debit card. The payment was due XX/XX/XXXX, but didnt arrive until XXXX. Because the payment was late I was charged a {$41.00} late fee. {$41.00} for XXXX  days!! And then interest was charged on top of that. But I paid my account in full. Now my account balance is {$44.00} and if I dont pay by XX/XX/XXXX there will be ANOTHER {$41.00} late charge. 
{$41.00} is an extortionate late fee.

Company response to consumer: Closed with monetary relief