vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 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: TX

Complaint narrative:
Consumer Name : 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 XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit XXXX XXXX XXXX XXXX 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, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX  on XX/XX/XXXX with a balance of {$10000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-04-08 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:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under XXXX. US. CXXXX XXXXe ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX U.S CXXXX XXXXi ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following item from my credit report, immediately. 

Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Public Records that are being challenged U.S. Bankruptcy Court - XXXX XXXX XXXX are the Inquiries that are being challenged 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 non-monetary relief
Consumer complaint received 2025-04-08 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: Block, Inc.
State: WA

Complaint narrative:
Following my legal name change after marriage, I updated my name across all official documents and accounts. When I attempted to update my name on Cash App, I was directed to submit sensitive personal information through a third-party platform, an approach I found insecure and unacceptable for handling PII. As a result, I requested that my account be closed. 

After significant back-and-forth, my account was finally closed, though {$200.00} remained inaccessible, with no clear explanation provided regarding the process for retrieving those funds. Subsequently, I was wrongly accused of attempting to access another person 's account, despite having submitted complete documentation verifying my identity and legal name change. 

I have now requested XXXX times that Cash App cease contacting me. Despite these clear requests, the communications have continued.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: NJ

Complaint narrative:
I am filing this complaint under FCRA 605B ( 15 USC 1681c-2 ) to request that Equifax block fraudulent information appearing on my credit report. These accounts resulted from identity theft, the Equifax data breach, and fraud and must be removed within XXXX ( XXXX ) business days of receiving this request. 
The fraudulent accounts and inquiries include : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX/XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX FI Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

7. Request to Block and Delete Fraudulent Accounts under 15 U.S.C. 1681c- 2 ( a ) XXXX OF XXXX Account Number : XXXX Please remove it from my credit report. 
I DO NOT recognize these accounts, collections, or inquiries. They were not opened, authorized, or initiated by me and are causing inaccurate reporting on my consumer FICO credit report.

I expect Equifax to comply with the Fair Credit Reporting Act ( FCRA ) and immediately block these fraudulent items from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I called Wells Fargo immediately on XX/XX/XXXX when the fraudulent activity was taking place on XXXX XXXX to notify them to stop all withdrawals because there was fraudulent activity happening on my account that caused {$900.00} to be withdrawn from my Wells Fargo account. I wanted them to also dispute the charges, but they expressed that they could not be disputed until the transaction was posted to my account. 

XX/XX/XXXX I called to start a claim for the fraudulent charge and activity. They couldnt offer me a provisional credit until they had done more research according to the representative that I had spoken with. I understood. 


XX/XX/XXXX I called Wells Fargo once again to get an update on my claim and was told that there was no update. I requested a provisional credit which was finally granted and that they would let me know when the investigation was complete. During this time I had been speaking with XXXX XXXX cash and they had been speaking with the CFPB, which is why they reached out to me, they assured me that they were handling things. 


XX/XX/XXXX XXXX XXXX cash let me know that they had closed my case and that the transactions were unauthorized and fraudulent. They said that they had rectified the situation. They told me that Wells Fargo had already disputed the charge with XXXX. Therefore, the funds were already back in my account. 

XX/XX/XXXX I receive a letter from Wells Fargo about the claim ( claim # XXXX ) stating that the transactions were authorized in a processing error did not occur and they would be taking {$900.00} from my account despite the information that I provided stating that the charges were fraudulent, and the account was not my own. I also let them know that I had received the letter from the XXXX XXXX cash stating that the case was ruled in my favor and that they did confirm it was unauthorized and fraudulent. They still stated that they would be taking a {$900.00} provisional credit for my account on XX/XX/XXXX. 

No contact by Wells Fargo had been made between the giving of the provisional credit on XX/XX/XXXX until today XX/XX/XXXX notifying me that they will be taking money tomorrow. This feels violating and unfair based off the facts given to the bank.

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 2025-04-08 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: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-04-08 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: NV

Complaint narrative:
I am writing to report an unauthorized account on my credit report, indicating potential identity theft. I have filed a police report and taken steps to protect myself. I have also attached copies of relevant documents, including my credit report highlighting the fraudulent account, as well as any other supporting evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
There are a few issues There has been Difficulty identifying and finding my name for people to send me funds forcing me to use other not desired payment options. 
Sometimes it can find my account via email or cell phone and other times it can not??? 

Also retrieving funds if there is an issue sending payment and receiving it this has happened in the past. Its a pain

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15. US. Code 168e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following item from my credit report, immediately. 

Listed below are the Accounts that are being challenged XXXX  - XXXX Listed below are the Collections that are being challenged XXXX  XXXX - XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-04-08 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:
I am writing once again to formally dispute several accounts and personal identifiers on my credit report that remain inaccurate and unverified. This is my third attempt to resolve these issues, and I am growing increasingly concerned about your failure to perform a reasonable reinvestigation as required under the Fair Credit Reporting Act ( FCRA ) 611 [ 15 U.S.C. 1681i ]. 
Please be advised that if these accounts and personal records can not be verified with legally admissible documentation from the original furnishers, they must be removed or corrected immediately. Continued failure to comply will result in formal complaints filed with the CFPB, FTC, and my state Attorney General. 
________________________________________ Personal Information to Be Deleted The following addresses are inaccurate, outdated, or not associated with any valid accounts. Please remove them from my credit file : 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 addresses are either obsolete, incorrect, or connected to disputed accounts. Keeping inaccurate personal information violates FCRA 607 ( b ) and may impact the integrity of my report. 
________________________________________ Accounts in Dispute Requesting Deletion Charge-Offs XXXX XXXX  # XXXX | Opened : XX/XX/XXXX No documentation has been provided validating this charge-off. If it can not be verified through original billing records and a valid contract, it must be removed. 
XXXX XXXX XXXX # XXXX | Opened : XXXX I have never received any verification of this alleged debt. No supporting documentation proving ownership or liability has been submitted. 
Repossession XXXX  # XXXX | Opened : XX/XX/XXXX This entry is reporting a repossession with no legally acceptable documentation. As per XXXX XXXX standards, the reporting must be complete and accurate, which this is not. 
Collection XXXX # XXXX This account remains unverifiable. The reporting lacks proper substantiation and proof of debt. Delete immediately if full validation can not be obtained from the data furnisher. 
________________________________________ Request for Action 1. Conduct a new reinvestigation into each of the items above. 
2. Remove all unverifiable accounts and inaccurate personal information. 
3. Provide a free updated copy of my credit report reflecting the changes. 
4. Supply me with detailed verification from each data furnisher if any item is to be retained. 
Please understand that I am keeping full records of all correspondence for legal purposes. If this matter is not resolved within the required 30 days, I will have no choice but to escalate this matter with regulatory authorities. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: NJ

Complaint narrative:
I reported to my prepaid debit card company, credit karma that there were fraudulent charges on my account because my wallet was stolen when I was in the hospital having XXXX unbeknownst to me Credit Karma was planning to close my account after Ive reported the stolen wallet I filed disputes for charges. I did not make I canceled my card And find out a week later from a Customer Service representative for a credit Karma that they are closing my checking account. I was told to wait for my replacement card that I finally received and cant use because they locked my account and wont let me transfer out the money that they returned to my account. They told me I needed to wait for a check in the mail after all the investigation cases close. Credit, broke up my disputes into five different cases that have five different timelines before they end and I am behind and paying my bills. I am requesting that they let me have access to my account to transfer out my {$280.00} so I can put that towards my bills That I am behind on.Because I was robbed when I was in the hospital. I got a direct deposit of {$990.00} the day after my XXXX and I didnt spend XXXX dollar and my whole check was spent. They automatically declined my dispute of {$400.00} with XXXX XXXX. Thats attached to my credit Karma checking Account and wont tell me why they are closing my checking account. I was robbed and this is a slap in the face. Im trying to recover from XXXX XXXX XXXX and credit karma is holding on to my returned funds and sent me a replacement card I cant use to transfer out my money. They said wait for a check in the mail when the disputesd cases close. I got bills to pay and food I need to buy now. Please help me get my money back from credit karma. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-08 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: NV

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15. US. Code 168e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following item from my credit report, immediately. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - 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 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 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