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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/year>, two unauthorized debit card transactions were made using my Wells Fargo debit card through a digital wallet ( XXXX XXXX ). 

{$430.00} at XXXX XXXXXXXX XXXX XXXX$870.00} at XXXX XXXX, XXXX I did not make these purchases, I was not in XXXX XXXXk on that date, and I did not authorize anyone to use my debit card or link it to XXXX XXXX. My debit card information was fraudulently added to another device and used without my knowledge or consent. 

I immediately reported these transactions to Wells Fargo and filed a fraud claim. Wells Fargo denied my claim, stating that because the charges were processed through XXXX XXXX, they do not consider them fraud. I requested that Wells Fargo reopen the claim, but they again denied it with the same reasoning. 

This denial is unacceptable and inconsistent with my rights under the Electronic Fund Transfer Act and Regulation XXXX ( 12 CFR Part 1005 ). Regulation XXXX requires Wells Fargo to investigate unauthorized electronic fund transfers and provide evidence of authorization. Simply stating that XXXX XXXX is secure does not prove that I personally authorized these transactions. 

I am requesting : 1. That Wells Fargo provide all records of its investigation, including device provisioning logs and authentication data showing what device my card was linked to. 


2. That Wells Fargo comply with Regulation XXXX and reimburse me for the unauthorized transactions totaling {$1300.00}. 



These transactions were clearly fraudulent. By denying my claim without proper proof, Wells Fargo has failed to meet its legal obligations.

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: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My credit report contains collection accounts that I believe include inaccurate information. Under my rights provided by XXXX USC XXXX ( b ) and XXXX USC XXXX, I am entitled to a credit report that is accurate and reliable. I am requesting that these collection entries be thoroughly reviewed, and if they can not be verified as accurate, they should be deleted from my report.

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: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: IL

Complaint narrative:
I was in XXXX  for 11 months and my money was stolen out of my account while I was XXXX  and I filed a police report and showed proof I was in jail and the transactions wasnt authorized I even showed chime the person admitting she did it and my claim was denied dispute number XXXX

Company response to consumer: Closed with monetary relief
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: EQUIFAX, INC.
State: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I received a wire transfer and after making withdrawals my bank restricted my account. They said they need to verify the funds. Its been over a month and they still have no answers.

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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 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 XXXX 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 - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$22000.00} XXXX FIN - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$31000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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, XXXX as proof from the XXXX 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: 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:
My Experian credit report contains inaccurate and fraudulent information. 

XXXX XXXX XXXX : {$50.00} charge-off, scheduled to remain until XX/XX/XXXX XXXX XXXX  : {$470.00} collection, original creditor XXXX XXXX XXXX XXXX  Bank XXXX prior late notations XXXX XXXX XXXX {$380.00} charge-off XXXX  XXXX XXXX {$470.00} charge-off Unauthorized hard inquiries by XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), XXXX, XXXX, and multiple others Wrong names : XXXX XXXX, XXXX XXXX XXXX XXXX etc. 
Old addresses in XXXX, XXXX XXXX, XXXX, XXXX, and XXXX XXXX I have disputed these items, but Experian continues to report unverifiable information that harms my credit.

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 — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NY

Complaint narrative:
I am disputing a debt of {$10000.00} reported by Columbia Debt Recovery regarding XXXX XXXX at The XXXX, XXXX XXXX XXXX, XXXX XXXX NY. 

On XX/XX/year>, I signed a Roommate Release Form transferring all lease and financial responsibility to my roommate, XXXX XXXX. I moved out on XX/XX/year>. I also notified building management, who confirmed by email that the release form was processed. 

Despite this, Columbia Debt Recovery placed a collection account on my credit file, causing my credit score to drop to XXXX. This has significantly impacted my ability to obtain housing and credit. 

The company has failed to provide proper debt validation or proof that I am legally obligated for this debt. I request removal of this collection account from my credit reports and cessation of any collection activity. 

Supporting documents ( release form and email correspondence with building management ) are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit report shows late payment entries that I believe are inaccurate. Pursuant to XXXX USC XXXX ( b ) and XXXX USC XXXX, all information included in my report must be accurate, complete, and capable of verification. I am requesting that each of these late payment entries be validated, and if they can not be verified, they should be corrected or deleted accordingly.

Company response to consumer: Closed with non-monetary relief
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint against TransUnion regarding their recent data breach affecting about 4 million consumers, announced in their XXXX XXXX XXXX. My sensitive personal information may have been compromised. 
I formally disputed my credit file with TransUnion, requesting reinvestigation of all items, verification of accuracy, and details on fraud prevention measures. I am not satisfied with their response. 
TransUnion may be violating the Fair Credit Reporting Act ( FCRA ) by : Failing to maintain maximum possible accuracy in my file ; Failing to provide adequate remedies ( fraud alerts, monitoring, identity theft protection ) ; Failing to provide transparency about the breachs impact. 
I request the CFPB investigate TransUnion, require correction of any inaccurate or fraudulent information, and ensure they provide proper consumer protections and remedies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX ( XXXX ) XXXX XX/XX/year> Consumer Financial Protection Bureau P.O. Box 27170 Washington , DC 20038 Re : Complaint Regarding Violation of 15 U.S.C. 1691g ( ECOA Statement of Reasons for Adverse Action ) To Whom It May Concern : I am submitting this complaint pursuant to the Equal Credit Opportunity Act ( ECOA ), specifically 15 U.S.C. 1691g, which requires creditors to provide applicants with a written statement of reasons when an adverse action is taken regarding credit.

On [ insert date ], [ insert name of lender/creditor ] took adverse action against me by [ denying my credit application / reducing my credit limit/ closing my account/ increasing my interest rate ]. However, they failed to provide a proper statement of reasons as required by 1691g ( a ). The notice I received was either : Not timely, Vague and insufficient to meet statutory requirements, or Not provided at all.

This failure to comply with ECOA places me at a disadvantage and prevents me from understanding or correcting the basis of the adverse decision. As you know, the law requires creditors to provide specific, accurate, and understandable reasons for adverse actions within the mandated timeframe.

I request that the CFPB : Investigate this matter with [ insert creditor name ].

Ensure that the creditor complies with 15 U.S.C. 1691g.

Require the creditor to provide me with the full and specific reasons for the adverse action.

Consider enforcement actions or penalties as appropriate to protect consumers.

Please keep me informed of the status of this complaint. I am enclosing copies of relevant documents, including the adverse action notice I received ( or a statement that none was provided ).

Thank you for your attention to this matter and for protecting consumers rights under federal law. 
Sincerely, 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I am filing this complaint against Colombia Debt Recovery for violations of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The company has reported inaccurate, incomplete, and/or unverifiable information to the credit reporting agencies, causing harm to my creditworthiness and financial reputation. 

Details of the Violation : XXXX. Failure to Report Accurate Information ( XXXX U.S.C. XXXX ( a ) ) : XXXX XXXX XXXX is furnishing information to credit reporting agencies that is inaccurate, misleading, and not verified. I dispute the alleged debt, and the company has failed to ensure accuracy before reporting it. 
XXXX. Failure to Investigate My Dispute ( XXXX U.S.C. XXXX & XXXX ( b ) ) : After disputing the account, Colombia Debt Recovery did not conduct a reasonable investigation within the required XXXX timeframe. The company also failed to provide me with evidence that the alleged debt is valid or belongs to me. 
XXXX. Failure to Provide Validation of Debt ( related to the Fair Debt Collection Practices Act, XXXX U.S.C. XXXX, which overlaps in practice ) : Despite my request for validation, Colombia Debt Recovery has not provided original account documentation or proof that they have legal right to collect the alleged debt. 
XXXX. Continued Reporting of Disputed Debt ( XXXX U.S.C. XXXX ( a ) ( XXXX ) ) : The company continues to report the debt as if it is valid, in violation of my rights under FCRA.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
Experian Equifax and Transunion have all been reporting several fraudulent accounts to my credit report after I have informed them that I am a victim of identity theft. These accounts include several student loans, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  and more

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: TX

Complaint narrative:
Experian Equifax and Transunion have all been reporting several fraudulent accounts to my credit report after I have informed them that I am a victim of identity theft. These accounts include several student loans, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  and more

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 reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a Victim of identity theft and would like all accounts associated removed as soon as possible.

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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a Victim of identity theft and would like all accounts associated removed as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

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

Company response to consumer: Closed with non-monetary relief
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: Self Financial Inc.
State: LA

Complaint narrative:
The Self/Lead account is reporting inaccurate and inconsistent information on my XXXX  credit XXXX. The account shows as closed and paid as agreed, yet it also reports late payments for XX/XX/XXXX and XX/XX/XXXX even though the account was fully paid and closed by XX/XX/XXXX. This is contradictory and violates the Fair Credit Reporting Act ( FCRA ) because the reported information is not accurate, complete, or consistent. I am requesting an investigation and correction/deletion of this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Avant Holding Company, Inc.
State: LA

Complaint narrative:
Requested a pay off amount in XXXX for XXXX cents they received the check that same month around the XXXX they cashed the check in XXXX according to the bank and have but close out my loan it is now XXXX and I have been paying on this loan and a consolidation loan meant to pay this one off and it is setting me back. This should not be like this Avant is robbing people.

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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
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: FL

Complaint narrative:
I mailed XXXX dispute letters to Experian on XX/XX/year> by certified mail. Each dispute included my drivers license and proof of address. I have certified mail receipts and proof of delivery, which I am attaching. Instead of reinvestigating within XXXX  days as required by the Fair Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX  Experian sent me a form letter claiming the disputes were not sent by me. This is false I personally prepared and mailed each dispute. Experian has failed to conduct a proper reinvestigation, and inaccurate information remains on my report. I am requesting that Experian be required to reinvestigate and delete any unverifiable or inaccurate item

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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX IS REPORTING AN ACCOUNT THAT DOESN'T BELONG TO ME!! REPORTING THE ACCT IS REPORTING FRAUDULENTLY AND IS AFFECTING MY CREDIT

Company response to consumer: Closed with non-monetary relief