vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 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: CT

Complaint narrative:
I am filing this complaint regarding inaccurate and unverifiable negative items on my three credit report dated XXXX XXXX XXXX Each of these bureaus and companies were contacted via usps on XXXX These items are causing severe harm to my credit profile and are being reported in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Negative Items in Dispute : Collections : XXXX XXXX XXXX Original Creditor : XXXX XXXX Bank {$1000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX {$1200.00} Charge-Offs / Derogatory Accounts : XXXX XXXX Charged off , {$640.00} written off ( Closed ) XXXX XXXX XXXX Charged off, {$410.00} written off ( Closed ) XXXX XXXX  Charged off, {$2500.00} written off ( Closed ) Late Payments : XXXX XXXX XXXX XXXX XXXX late payments XXXX XXXX Credit Card 5 late payments ( Closed ) Basis of Complaint FCRA 604 ( 15 U.S.C. 1681b ) Permissible Purpose Negative information must be backed by a permissible purpose and verified documentation. Reporting unverifiable collections and charge-offs without consumer consent or proof is unlawful. 

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Maximum Possible Accuracy Credit reporting agencies are required to maintain maximum accuracy. These negative items lack verifiable documentation and are therefore inaccurate and misleading. 

FCRA 611 ( 15 U.S.C. 1681i ) Duty to Reinvestigate I have disputed these items with the credit bureaus. Under federal law, if furnishers can not produce proper documentation such as the original signed contracts or complete account histories, the accounts must be deleted. 

FDCPA 809 ( b ) ( 15 U.S.C. 1692g ( b ) ) Debt Validation Debt collectors like XXXX XXXX are required to provide validation of the debts they report. No such validation has been provided. 

FCRA 605 ( a ) ( 15 U.S.C. 1681c ) Obsolete Information Collections and charge-offs can not remain past the 7-year statutory period from the date of first delinquency. Any attempt to re-age or extend these accounts is a direct violation. 

Requested Resolution I respectfully request that the CFPB investigate these matters and compel Experian, TransUnion, Equifax, and the furnishers of information to : Provide certified documentation validating each of these negative items ; or Remove these items immediately from my credit reports if verification can not be produced. 

These inaccurate and unverifiable items are unjustly lowering my credit score and causing me financial harm. 

Please confirm receipt of this complaint and provide updates on the progress of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to follow up on my recent complaint submitted through the Consumer Financial Protection Bureau regarding an inaccurately reported late payment on my credit report. 

The account in question is : XXXX XXXX XXXXXXXX {$240000.00} Open date : XX/XX/XXXX Last activity : XX/XX/XXXX XXXX XXXX  XXXX {$240000.00} Open date : XX/XX/XXXX Last activity : XX/XX/XXXX XXXX  XXXX XXXX {$0.00} Open date : XX/XX/XXXX Last activity : XX/XX/XXXX This late payment entry is either inaccurately reported, unverifiable, or has been previously disputed without satisfactory resolution. I am requesting that this matter be investigated thoroughly and, if the furnisher can not provide clear, timely, and accurate documentation verifying the late payment, that the entry be immediately removed from my credit file in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XX/XX/XXXX My account was placed under review. I called Citi Bank to inquire why it was being closed, as I have been banking with Citi for over a year and have never done anything to jeopardize my account. The representative would not share details, only stating that my account would be closed and that remaining funds would be sent to me in the mail within 60 days. I also received a dated letter confirming this. 
XX/XX/XXXX I called for an update. The representative informed me that my account was still under review. 
XX/XX/XXXX I called again. The representative reviewed the notes, placed me on hold multiple times, and confirmed that the notes stated I had funds in both my checking and savings accounts. He told me these funds would be mailed to me within 60 days, specifically by XX/XX/XXXX. I asked for clarification, and he confirmed that I did in fact have funds owed to me. 
XX/XX/XXXX I called to follow up after XX/XX/XXXX had passed. This time, the representative told me that no funds were available to me and that my account had been closed on XXXX XXXXcontradicting what I was told on XX/XX/XXXX. When I asked her to check when I last spoke to Citi, she incorrectly stated XX/XX/XXXX and XX/XX/XXXX, when I had actually spoken with a representative on XX/XX/XXXX. After this, I called again. Another representative gave me different information, saying that I would now receive my funds by XX/XX/XXXX, which she claimed was 60 days from account closure. However, this timeline makes no sense, since I was first told the account was closed on XX/XX/XXXX and that funds would be released by XX/XX/XXXX. When I asked to speak with a supervisor, she could not confirm any of the dates. Instead, she repeated different closure dates ( XX/XX/XXXX and XX/XX/XXXX ) without consistency. 
Throughout this process, Citi Bank representatives and supervisors have given me conflicting information, misinformation, and contradictory dates regarding my account closure and release of funds. This has caused confusion, delay, and a lack of trust. The handling of my account has demonstrated dishonesty, negligence, and no clarity on when or if I will actually receive my funds.

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 monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: WI

Complaint narrative:
My husband XXXX and I were set up to fail from the start. Cardinal Financial and their agent, XXXX XXXX XXXX, were involved in every aspect of our loan and construction process, after the loan was completed and it was failing XXXX gave advice that further caused damage. We sold our previous home and made other major life decisions based entirely on the representations and assurances given by XXXX XXXX. Those decisions, made in good faith, and directed by XXXX ; directly contributed to the financial, emotional, and personal hardships we endured. 
While in the beginning we did not know what happened, we do now and its finally making sense. 

The Wisconsin Department of Financial Institutions ( DFI ) found that Cardinal allowed unlicensed activity by XXXX XXXX, failed to properly supervise him, demonstrated incompetence in safeguarding our interests, and violated multiple state laws governing mortgage bankers and brokers. While these findings confirm serious misconduct, they do not capture the full scope of what Cardinal did to us. 
Despite repeated attempts to resolve many issues, Cardinal failed to act, failed to care.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

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 : ACCOUNTS : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} 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 2025-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
b'I got a call from a caller ID that said "XXXX  Bank".\nThe caller said there was a fraud alert on my account and said someone was trying to transfer XXXX  dollars from my personal account through XXXX. I was driving when they called. I stayed on the call until i was able to pull over. They said they had to move my money to my business account. As soon as i pulled over, i logged into my account and in about five minutes, I started to see the money move remotely. I was not moving it. They were telling me the whole time that they were moving the money to protect it and they were giving me codes and such along the way. Since they were giving me specific information , I had no reason to not believe it was XXXX  doing it. \nThen the other line rang that also said XXXX  Bank and I told them it was ringing it. They said , dont worry, its an automatic phone call.Everything seemed legit until we were about to hang up they said, "dont log in for another 30 minutes to prevent the scammers from accessing your acount" and i got nervouse and called the bank directly. The bank told me it was not them and they said they could not help me get my money back even though i called immediatly. They said I had to wait until the payments were made to investigate. My bank had no control over XXXX. \nI took screen shots of the amounts as it was happening. I had no control over my bank account.\nThese are the codes they gave me XXXX XXXX XXXX Reference number XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: WA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-09-16 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: NJ

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA XXXX ( XXXX U.S.C. XXXX ) that you : The Credit Reporting Agency XXXX REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within XXXX Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX  XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report XXXX I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, 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 2025-09-16 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: GA

Complaint narrative:
I am formally disputing the late payment listed on my credit report. My payment history demonstrates timely payments, making this negative entry erroneous and misleading. Its continued presence on my record unfairly damages my credit profile.

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 2025-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is a formal dispute of fraudulent accounts that have been reported under my credit record. I have never authorized, owned, or maintained these accounts, and their inclusion is false and damaging. They present an inaccurate picture of my financial history and have negatively impacted my ability to secure credit on fair terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: OH

Complaint narrative:
My name is XXXX XXXX. I recently discovered a XXXX XXXX & XXXX XXXX credit card account on my credit report that does not belong to me. At the time the account was opened, I was incarcerated and therefore could not have authorized this account. 

I have provided documentation to XXXX XXXX and have spoken with their representatives regarding this issue. Despite this, the account is still appearing on my credit report, even after more than XXXX business days. 

I request that this unauthorized account be removed immediately from my credit report, as it is fraudulent and causing harm to my credit history. 

Please confirm receipt of this notice and advise me on the next steps to resolve this issue promptly. 

Thank you for your attention to this matter.

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 2025-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am formally disputing the fraudulent accounts that have been wrongfully reported on my credit file. I did not authorize, open, or in any way engage with these accounts. Their presence is wholly inaccurate and creates a false impression of my financial standing. These entries are misleading, harmful, and undermine the reliability of my credit 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
Consumer complaint received 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent account is a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned accounts are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that the aforementioned consumer credit account is the result of identity theft and fraud. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address 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 2025-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Monies were stolen out of my account and nobody can tell me how or why when I spoke with the claim resolution mgr he XXXX escalated it to XXXX office XXXX XXXX is my case mgr and account was closed /denied after funds stolen in XXXX transactions in less than XXXX! No reason as to how why and what was sent to the supposed vendor in which I have never heard of!!!

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 2025-09-16 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: FL

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

1681c2 ) that you, the Experian 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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