vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Category : Bank account or service Checking account Issue : Account closed or frozen Company : Wells Fargo Bank , N.A . 

Complaint : I opened a checking account with Wells Fargo in XXXX [ insert year ], providing all required documentation, including my U.S. Certificate of Naturalization and a valid state-issued ID. I am a U.S. citizen with full legal status and security clearance, and I complied with all identification procedures during account setup. 

More than XXXX months later, in XXXX, I received a voicemail from a Wells Fargo banker ( XXXX XXXX, XXXX XXXX ), stating that there was a problem with my account due to my Iranian origin. She asked me to come in again to present documents I had already provided at account opening. Shortly afterward, Wells Fargo placed a hold on my account without warning or written explanation, freezing my access to funds. 

I contacted customer service, but they failed to resolve the issue or clarify the reason for the hold. I then submitted a formal letter to the branch explaining that I had already submitted all documentation and that the action taken appears discriminatory and unjustified. I received no resolution. 

This situation has caused me serious distress, disrupted access to my funds, and appears to violate federal regulations protecting U.S. citizens from discriminatory financial practices. I respectfully request that : Wells Fargo remove the hold on my account immediately, Provide a full written explanation of the reason for the account restriction, Confirm that no further discriminatory actions will be taken based on national origin or background. 

Please take appropriate steps to investigate this matter and ensure accountability. 

Requested resolution : Immediate unfreezing of my account and written explanation from Wells Fargo.

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 2025-05-12 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: FL

Complaint narrative:
Experian is reporting my XXXX account as having been 30 days late recently. This is complete nonsense. I spent 45 minutes on the phone clearing this matter up directly with a XXXX  supervisor who assured me that they received the {$14.00} min payment on XX/XX/XXXX, well before the XX/XX/XXXX due date. They stated that any late reporting was a mistake and would be rectified. I asked for this in writing from them but I will not be holding my breath with this incompetent company.

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 2025-05-13 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:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in XXXX XXXX XXXX. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: FL

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-05-13 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in XXXX XXXX XXXX. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/year> i received texts and calls from a number identical to the Wells Fargo text alert number notifying me of fraud on my account. The messages looked identical to previous text alerts received from Wells Fargo. An individual had my checking and savings account numbers, debit card number, legal name and address, and card PIN number. They used this information to impersonate an employee of Wells Fargo and said I needed to set up XXXX XXXX and transfer money into a new account set up in my name in order to undue a fraudulent XXXX XXXX transfer made using my account. I have submitted a claim to Wells Fargo which they denied and am pursuing filing additional claims and legal action against them. This person knew my information, used it to impersonate an employee of Wells Fargo, and basically stole my entire life savings ( almost $ XXXX ). Wells Fargo as an institution clearly does not care about protecting their customers and I will not be banking with them ever again if this is not resolved.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am disputing the inaccurate personal information listed on my Experian credit report, which incorrectly identifies my employer as " MERCHANTS BANCARD NETWORK. '' This outdated and incorrect information is likely the result of compromised data, potentially linked to a data breach. Inaccurate employment information can significantly impact credit assessments, leading to unfair credit score impacts, higher interest rates, and potential denials of credit. Given the importance of accurate employment data in determining my creditworthiness, it is critical that this error be corrected immediately. 

Under the FCRA, credit reporting agencies have a legal obligation to ensure the accuracy and completeness of personal information included in consumer reports. Failing to update this information is a direct violation of my rights as a consumer. To support my dispute, I have attached my personal documents to confirm my correct employment history, demonstrating the need for immediate correction.

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 2025-05-12 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: MD

Complaint narrative:
I've recently reviewed a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: MO

Complaint narrative:
My credit report should only reflect accurate information, which is why its important to verify the accuracy of this data rather than relying solely on what the data furnisher has provided. Its frustrating to see my credit get negatively affected by inaccuracies that arent my fault. I'm deeply concerned about these errors and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. This situation is unfair and I need you to address this as soon as possible to prevent further damage.

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 2025-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: TX

Complaint narrative:
Subject : Complaint for Inaccurate Reporting and Request for Removal of Auto Loan Account from Credit Report Re : Request for Investigation and Removal of XXXX  XXXXXXXX XXXX XXXX Account ( Acct. # : XXXX ) Dear Consumer Financial Protection Bureau, I am submitting this formal complaint regarding a XXXX XXXX XXXX XXXX auto loan account inaccurately reported on my credit file by TransUnion, Equifax, and Experian. The account is currently being reported with a status of XXXX XXXX and a balance of {$29000.00}, which I dispute. 

The reasons for my complaint are as follows : Inaccurate Reporting : The account shows a charge-off status with no payment activity since XX/XX/year>, yet it reflects a balance that exceeds the high balance reported, and contains inconsistencies across the bureaus. 

Incomplete and Conflicting Information : The same account is reported with conflicting remarks such as Account Previously in Dispute Now Resolved and Unpaid Balance Reported As A Loss By Credit Grantor, despite me not having received clear resolution or verification from XXXX XXXX XXXX XXXX. 

No Proper Validation : I have not received proper documentation or validation from XXXX XXXX or the credit bureaus to support this derogatory status or balance, despite previous disputes. This violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires furnishers and bureaus to report only accurate and verifiable information. 

Impact on Credit Standing : This account is severely damaging my credit profile, which is impeding my ability to obtain necessary financing and housing. The derogatory status appears to be inaccurately inflated and does not reflect legitimate or verified debt. 

I request that the CFPB investigate this matter and direct XXXX XXXX XXXX XXXX and the credit bureaus to either : Provide complete, verifiable, and accurate documentation of the alleged debt including payment history, contract terms, and proof of charge-off, or Immediately remove this account from all consumer reporting agencies under the FCRA for failure to provide sufficient and accurate documentation.

Attached to this complaint are copies of my credit report excerpts highlighting the disputed account, and my identification details.

Thank you for your attention to this matter. I respectfully request an expedited review due to the negative and ongoing impact on my financial stability. 

Sincerely, 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 2025-05-12 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: FL

Complaint narrative:
I challenged in on my Equifax credit report of XX/XX/XXXX and received a form letter dated XX/XX/XXXX stating they do not change or delete information that has been reported accurately, and they referred me to XXXX XXXX, Equifax, and XXXX. 

On XX/XX/XXXX I received an emal from them and clicked on the " settle '' portion of the email, but XXXX gave me a notification stating it was " unsafe. '' There was also an option with XXXX XXXX to settle, but when I clicked on it I received " something went wrong. '' The worst part of this is, I have it in my head that I DID settle for a lower amount, they accepted it, and then I got a letter stating they wanted more, but evidently I misfiled it because I just can't find it. 

It is now on my XXXX report, where it very clearly states " Credit limit {$400.00} ; Highest balance {$550.00}, Terms- '' which are the same figures as the Equifax credit report. I tried challenging it again in my In any case, if my limit was {$400.00} and they say I owe {$550.00}, I need to know exactly how that happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Date : XX/XX/XXXX Subject : Formal Dispute Inaccurate Reporting of XXXX XXXX XXXX XXXX Account To Whom It May Concern, I am writing to dispute inaccurate and inconsistent information being reported on my credit file regarding the following account : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Type : Unsecured Installment Loan Balance : {$2000.00} Date Opened : XX/XX/XXXX Status : Charge-Off / Collection Reporting Bureaus : TransUnion, Experian, Equifax The following reporting issues violate the Fair Credit Reporting Act ( FCRA ) : 1. Inconsistent High Credit Limit : TransUnion and Experian report a high credit of {$2000.00}, while Equifax reports {$2000.00}.

2. Missing Date of Last Payment : TransUnion and Experian fail to provide a last payment date, while Equifax shows XX/XX/XXXX. This omission is material and affects how long the account can legally be reported. 
3. Conflicting Payment History : TransUnion has no payment history.

Experian shows over 20 months of consecutive charge-off ( CO ) marks, which is excessive. 
Equifax shows all OK payments until a sudden XXXX delinquency highly inconsistent with other reports.

4. Incorrect Use of Credit Limit Field : All three bureaus list a {$0.00} credit limit, which is incorrect and not applicable to an installment loan.

These discrepancies are significant and are causing unnecessary and unfair damage to my credit report. Under the FCRA ( 15 U.S. Code 1681i ), I am formally requesting a full investigation into this account. If the data can no
t be verified and corrected in full, I request complete deletion of the account from all three credit bureaus.

Please complete the investigation within the 30-day period allowed by law and provide a written response confirming the outcome. 

Sincerely, 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 2025-05-13 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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