vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing a complaint against Wells Fargo Bank , N.A . for multiple violations of the Fair Credit Reporting Act ( FCRA ) related to a fraudulent Wells Fargo credit card account that I did not open. This account has been repeatedly removed from my credit reports as identity theft, yet Wells Fargo continues to provide inaccurate and unverified information to XXXX XXXX XXXX. 

I am a documented victim of identity theft, supported by my FTC Identity Theft Report ( XXXX XXXXXXXX ) and extensive supporting documentation. This Wells Fargo account was previously deleted by XXXX XXXX XXXX under FCRA 605B because Wells Fargo could not verify the account as legitimately belonging to me. 

On or about XX/XX/year>, Wells Fargo illegally reinserted the fraudulent account into both my XXXX XXXX XXXX reports without providing the required XXXX written notice as mandated by FCRA 611 ( a ) ( 5 ) ( B ). I received no certification, no documentation, and no communication explaining why this fraudulent Wells Fargo account was reinserted after being previously removed. 

XXXX  has now sent me a letter claiming they obtained additional information suggesting the fraud block was based on a material misrepresentation, which is completely false. Wells Fargo never contacted me, never provided evidence, and never supplied any documentation verifying identity or ownership of the account. I did not authorize or receive any goods, services, or funds associated with this account. This is a false assertion and a serious accusation without any basis or evidence. 

Wells Fargos actions constitute the following violations : FCRA 605B Failure to block fraudulent information FCRA 623 ( a ) ( 1 ) ( A ) Furnishing information known or reasonably should have been known to be inaccurate FCRA 623 ( b ) Failure to conduct a reasonable investigation of a disputed identity theft account FCRA 611 ( a ) ( 5 ) ( B ) Illegal reinsertion of previously deleted information without certification or notice FCRA 611 ( a ) Failure to reinvestigate upon receiving new identity theft documentation FCRA 616 & 617 Willful and negligent noncompliance with FCRA The fraudulent Wells Fargo account continues to cause harm to my credit, emotional distress, and financial damage. I have repeatedly notified Wells Fargo of this identity theft, submitted an FTC report, and provided extensive supporting documentation, yet they continue to furnish false information and cause repeated reinsertions of fraudulent data on my credit reports.

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 2025-12-02 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: SC

Complaint narrative:
I am submitting this filing to dispute the following items on my credit report. The items listed below are either inaccurately reported or should not be included in my credit report. I request that these items be investigated and corrected according to the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: UT

Complaint narrative:
I am filing a complaint regarding the XXXX/Dept of Ed account XXXX Equifax is reporting inaccurate and incomplete information that violates the Fair Credit Reporting Act. 

Violation 1 : Missing Data for Adverse Action. You are reporting the current status of this account as " Late Over 120 Days ''. However, your own reporting system displays " N/A '' or " No Data Available '' for the entire payment history of XXXX and early XXXX. It is a violation to report a derogatory status to third parties when you do not possess or display the monthly payment data to substantiate that claim. You are effectively guessing the status.

Violation 2 : Incorrect Date of Last Activity. You report the " Date of Last Activity '' as XX/XX/XXXX. Other bureaus and my records show the activity ceased in XXXX. By re-aging this date, you are artificially extending the time this account stays on my report, which is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: IA

Complaint narrative:
On XX/XX/year> I filed a dispute with SoFi for transactions regarding a merchant, they gave me a provisionary credit. On XX/XX/year> I realized the individual who did the dispute left out some of the transactions that were the same merchant however using a different name. I was told I was not eligible for the credit on this dispute even though everything was the same just the different alias the company was using. On XXXX the first dispute was completed in my favor. I questioned about the second dispute. Was told it was still being investigated. I have asked multi times why they are not able to give the provisionary credit even though everything is the 100 % same thing just the shady company using a different name to debit my account, no response to this question. Even when I point out it is their employees who shouldn't have out them under the same dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am disputing multiple inaccurate late payments reported by XXXX XXXX XXXX on my credit report. The reported late payments are : XXXX  : XX/XX/year> ( 30 days late ), XX/XX/year> ( 30 days late ), XX/XX/year> ( 60 days late ) XXXX  : XX/XX/year> ( 30 days late ), XX/XX/year> ( 30 days late ), XX/XX/year> ( 60 days late ), XX/XX/year> ( 60 days late ) Equifax : XX/XX/year> ( 60 days late ) These late payments were reported without proper notice as required by federal law ( 15 U.S.C. 1666b ), which mandates creditors provide at least 21 days notice before reporting a late payment. I did not receive any such notifications prior to the reporting dates. 

Additionally, the information reported by the credit reporting agencies is inconsistent across XXXX, XXXX, and Equifax, showing conflicting dates, balances, and dispute statuses. I have submitted formal disputes with all three CRAs, including supporting documentation ( government-issued ID, proof of address, Social Security card ), but the late payments have not been corrected or removed.

Under 15 U.S.C. 1602, my consumer report functions as a credit device, and the reporting of inaccurate late payments constitutes misuse of this credit device, misrepresenting my credit history and causing financial and reputational harm.

I request that the inaccurate late payments be removed and my credit report be corrected to reflect accurate payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: AZ

Complaint narrative:
I am disputing multiple inaccurate late payments reported by XXXX XXXX XXXX on my credit report. The reported late payments are : TransUnion : XX/XX/year> ( 30 days late ), XX/XX/year> ( 30 days late ), XX/XX/year> ( 60 days late ) XXXX  : XX/XX/year> ( 30 days late ), XX/XX/year> ( 30 days late ), XX/XX/year> ( 60 days late ), XX/XX/year> ( 60 days late ) XXXX  : XX/XX/year> ( 60 days late ) These late payments were reported without proper notice as required by federal law ( 15 U.S.C. 1666b ), which mandates creditors provide at least 21 days notice before reporting a late payment. I did not receive any such notifications prior to the reporting dates.

Additionally, the information reported by the credit reporting agencies is inconsistent across TransUnion, XXXX, and XXXX, showing conflicting dates, balances, and dispute statuses. I have submitted formal disputes with all three CRAs, including supporting documentation ( government-issued ID, proof of address, Social Security card ), but the late payments have not been corrected or removed.

Under 15 U.S.C. 1602, my consumer report functions as a credit device, and the reporting of inaccurate late payments constitutes misuse of this credit device, misrepresenting my credit history and causing financial and reputational harm.

I request that the inaccurate late payments be removed and my credit report be corrected to reflect accurate payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: AZ

Complaint narrative:
I am disputing multiple inaccurate late payments reported by XXXX XXXX XXXX on my credit report. The reported late payments are : XXXX  : XX/XX/year> ( 30 days late ), XX/XX/year> ( 30 days late ), XX/XX/year> ( 60 days late ) Experian : XX/XX/year> ( 30 days late ), XX/XX/year> ( 30 days late ), XX/XX/year> ( 60 days late ), XX/XX/year> ( 60 days late ) XXXX  : XX/XX/year> ( 60 days late ) These late payments were reported without proper notice as required by federal law ( 15 U.S.C. 1666b ), which mandates creditors provide at least 21 days notice before reporting a late payment. I did not receive any such notifications prior to the reporting dates.

Additionally, the information reported by the credit reporting agencies is inconsistent across XXXX, Experian, and XXXX, showing conflicting dates, balances, and dispute statuses. I have submitted formal disputes with all three CRAs, including supporting documentation ( government-issued ID, proof of address, Social Security card ), but the late payments have not been corrected or removed.

Under 15 U.S.C. 1602, my consumer report functions as a credit device, and the reporting of inaccurate late payments constitutes misuse of this credit device, misrepresenting my credit history and causing financial and reputational harm.

I request that the inaccurate late payments be removed and my credit report be corrected to reflect accurate payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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:
On XX/XX/year>, I mailed XXXX dispute letters to TransUnion via certified mail. These disputes challenged several inaccurate and unverifiable items appearing on my TransUnion credit report. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), TransUnion is required to complete a reasonable reinvestigation and provide me with written results within 30 days of receiving my dispute. 

As of today, I have not received any response, verification, investigation results, nor an updated copy of my report. This is a clear violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: CA

Complaint narrative:
I respectfully request the removal of this credit inquiry from my report, as I did not authorize it and have no association with the creditor involved. Please ensure its prompt deletion to maintain the accuracy of my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
My account with Zelle has been deactivated. XXXX, my bank, provides this service but does not provide support, nor can XXXX provide guidance on how to seek support from Zelle. Attempts to reach out to Zelle via their website support options only allow for the reporting of scams or fraud. No option exists to contact a support agent, create a ticket, or even get any sort of knowledgebase article. As this tool is provided by my bank and used by XXXX, its something i expect to work for transactions like paying rent. The failure of this tool, without explanation, creates significant hardship in meeting my financial obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: CA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the accuracy and completeness of certain accounts listed on my credit reports from the three major credit bureaus : XXXX, Experian, and XXXX. These accounts have been reported inaccurately and are affecting my credit score. Below are the details of the accounts in dispute : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account XXXX  : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Account Number XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX Late Payments XXXX XXXX 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 2025-12-02 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: PA

Complaint narrative:
I am writing in my capacity as a secured party creditor regarding the following account reporting inaccurately on my TransUnion credit file : Creditor / Account Name : XXXX XXXX  Account Number : Despite my prior disputes submitted on [ Insert Date ( s ) ], TransUnion has refused to conduct a reasonable investigation and continues to report unverified and inaccurate information, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

As a secured party creditor, I formally demand immediate deletion of this account from my TransUnion credit file. Under UCC Article 9 and applicable federal law, I maintain full rights to challenge, revoke, or demand correction of any unverified obligation. TransUnions failure to verify the account with documented proof from XXXX XXXX renders the account unverified, inaccurate, and invalid, requiring immediate removal. 

Demand for Immediate Action : 1. Delete the XXXX XXXX  account from my TransUnion credit file immediately. 


2. Provide written confirmation of deletion to me. 


3. Cease reporting this account unless it can be fully verified with documented evidence from XXXX XXXX. 


4. Acknowledge my secured party creditor status in all future communications regarding this account. 



Failure to comply with this demand may result in legal action under FCRA, UCC, and other applicable federal statutes to enforce my rights and seek damages for any continued reporting of unverified, inaccurate information.

I declare under 28 U.S.C. 1746 that the foregoing is true and correct. 

Respectfully submitted, XXXX XXXX ucc 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 2025-12-02 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: CA

Complaint narrative:
The documentation on record does not accurately reflect my financial conduct and appears incomplete. I ask for a thorough review and revision.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: GA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: SC

Complaint narrative:
I requested a refund from Chime for products I bought from XXXX that were cancelled ; I used XXXX as the method of payment with my Chime card but Chime refused to refund my money after XXXX said the refund would be put back on my Chime account. I can not get a refund and am not sure if its due from XXXX or Chime but it originally came from my Chime account.

Company response to consumer: Closed with explanation