vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 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 submitting this complaint regarding inaccurate and unverifiable information that Experian continues to report on my consumer credit file. Under the Fair Credit Reporting Act, Experian is required to ensure maximum possible accuracy, yet the items listed below remain inaccurately reported. I am requesting a formal reinvestigation and prompt correction or deletion where verification can not be provided. 
The address XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX is not mine. I have no knowledge of this address, have never lived at or used it, and it has no association with me. Experian is required to report only accurate identifying information, and I am requesting immediate deletion of this address from my credit file. 
The inquiry reported from XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, was not authorized by me. I did not apply for credit with this company, nor did I provide written or verbal consent. Experian must provide proof of permissible purpose for this inquiry or remove it from my credit report. 
The inquiry reported from XXXX XXXX, dated XX/XX/XXXX, was not authorized by me. I did not initiate any application with this company, and there is no permissible purpose for this inquiry. I am requesting deletion unless Experian can provide proper verification. 
The inquiry reported from XXXX DIGI CRD/S, dated XX/XX/XXXX, was not authorized by me and lacks permissible purpose. Experian must either provide documentation establishing authorization and permissible purpose or remove this inquiry from my credit file. 
Experian is obligated under the Fair Credit Reporting Act to conduct a lawful reinvestigation and to correct or delete any information that can not be fully verified. I am requesting that the CFPB require Experian to comply with its legal duties and provide written confirmation once these matters have been fully 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 2025-12-26 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: FC HoldCo LLC
State: AZ

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a hard inquiry that appears on my credit report, which I do not recognize and did not authorize. 

Finance Company Name : FLAGSHIP CREDIT ACCEPTANCE Date of Inquiry : XX/XX/XXXX I did not apply for credit, financing, or any service with the above-named company, nor did I provide written or verbal authorization for a hard inquiry to be made on my credit file. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am requesting that you conduct a full investigation into this matter. If the finance company can not provide documented proof of permissible purpose, including my signed authorization, I am requesting that this inquiry be removed from my credit report immediately. 

Please provide written confirmation of the results of your investigation once completed. This letter is not an acknowledgment of any relationship with the above-named company. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX of Birth : XX/XX/XXXX Last 4 of SSN : XXXX Current Address : 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
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-26 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am disputing this reinserted account pursuant to 15 U.S.C. 1681c-2 and request that this fraudulent account be blocked or removed immediately.

I have attached my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence. 
Under 15 U.S.C. 1681c-2, credit reporting agencies must block fraudulent information within four ( 4 ) business days of receiving an identity theft report. Despite my prior complaint and attempts to resolve this with EXPERIAN, the following fraudulent account was reinserted on my credit report : Account Name : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX This reinsertion is causing significant harm to my credit and financial opportunities. I have requested verification and contract copies from the reporting company, but after 60 days, received no response. This account was previously removed by other agencies due to lack of verification, yet EXPERIAN, reinserted it without proper validation. 
According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, 1681c-2, and 1681s-2 ( a ) ( 7 ), reinsertion of deleted information requires written certification from the data furnisher confirming accuracy, and the consumer must be notified. This was not done in my case, violating federal law. 
I urge the CFPB to ensure EXPERIAN, complies with the law by blocking this fraudulent account immediately and confirming the action.

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 2025-12-26 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 the victim of identity theft. Wells Fargo Bank , N.A . continues to illegally reinsert a fraudulent credit card account onto my credit reports despite receiving my FTC Identity Theft Report ( # XXXX ) and Police Report ( # XXXX, XXXX Police Department XXXX XXXX XX/XX/year> ). 

This Wells Fargo account has been removed multiple times by XXXX XXXX XXXX XXXX  due to identity theft. Despite these deletions, Wells Fargo repeatedly re-furnishes the same fraudulent account, resulting in unlawful reinsertionmost recently on XXXX. 

Wells Fargos actions violate federal law, including but not limited to : FCRA 605B failure to permanently block identity-theft-related information FCRA 611 ( a ) ( 5 ) ( B ) illegal reinsertion of previously deleted information without certification or notice FCRA 623 ( a ) ( 1 ) furnishing information known or reasonably believed to be inaccurate FCRA 623 ( b ) failure to conduct a reasonable investigation after notice of dispute Wells Fargo continues to rely on outdated internal determinations from XXXX and ignores my valid FTC Identity Theft Report and police report, which are controlling under FCRA 605B. Repeated reinsertion after deletion demonstrates reckless and willful noncompliance. 

I have mailed Wells Fargo a formal cease-and-block demand by certified mail ( XXXX tracking # XXXX XXXX, demanding that they permanently cease reporting and reinsertion. Despite this, Wells Fargo continues to furnish the fraudulent tradeline.

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 2025-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: NY

Complaint narrative:
b'still trying to collect A DEBT THAT IS PASS THE  STATUTE OF LIMITATIONS AND EXEMPT FROM DEBT COLLECTION'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: NJ

Complaint narrative:
Bank errors in billing and reporting are negatively impacting my credit.

Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors must accurately reflect payments and credits, but several issues have occurred : Payments I made were not properly recorded.

There are clear calculation errors in the reported amounts.

I was not provided with the required 21-day notice before a payment was due, rendering any late payment marks invalid.

These inaccuracies constitute a clear violation of federal law and unfairly harm my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Subject : Complaint Against Navy Federal Credit Union for Unexplained Business Account Closure To Whom It May Concern, I am filing this complaint against Navy Federal Credit Union regarding the unexplained closure of my business checking account, which I maintained in good standing for over XXXX years. 

I am a licensed insurance agent and broker in multiple states, and the only deposits into my business account were commission disbursements directly from insurance carriers. No XXXXXXXX client funds were ever deposited. 

Despite this, XXXX XXXX suddenly closed my account without prior written notice or a clear explanation. When I called to inquire, I was vaguely told the closure might relate to the nature of my business. Insurance sales and commission payments are fully regulated under state law, and I hold active licenses in multiple states. My account history is clean and consistent, with no suspicious activity. 

This closure has harmed my business operations by interrupting access to a five-year banking history and account continuity. I am requesting the CFPBs assistance in : Requiring XXXX XXXX to provide a formal written explanation of the closure decision. 

Reviewing whether the closure constitutes unfair or discriminatory treatment toward licensed insurance professionals. 

Supporting my request for reinstatement or, at a minimum, requiring XXXX XXXX to provide a letter of good standing acknowledging my account history. 

I believe XXXX XXXX acted arbitrarily and without transparency. This action has negatively impacted my ability to continue legitimate business operations. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: WI

Complaint narrative:
I was made aware of XXXX fraudulent transactions that were posted to my XXXX XXXX checking account on XX/XX/year>. The merchant listed for these fraudulent transactions was XXXX, and the payment method used was CashApp XXXX, not any linked bank or the debit card issued for this account. These transactions took place between XXXX XXXX and XXXX XXXX. Most of these transactions took place within XXXX minute of each other and continued until my account was overdrawn and no money was left. Upon further research, these purchases were shipped to the following address : XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX XXXX XXXX I googled this address and found it was notoriously known as an address used in numerous scams. 

That same day, I filed disputes for each of these transactions with CashApp support, and provided all of the documentation and answers they required, as well as details of my phone to show my location. I continued to reach out via chat support over the following XXXX days to answer more questions and provide additional insight such as some minor information i received from XXXX ( order number, shipping location ) and their response that they could not process any refunds and that had to be done by my bank ( XXXX XXXX XXXX XXXX 

XXXX XXXX has XXXX denied XXXX of the XXXX disputes I filed claiming " We found undisputed activity from your device around the time of the transaction. '' Under that statement in the email was this : " What you can do - You can reach out to XXXX to request the documents we used to make this decision '' so that's what I have done and they have refused to provide any information and have instead filed duplicate disputes on top of disputes, required me to answer the same set of questions over and over again, and made me start the process all over twice now. When I call to speak to a live person I am hung up on or told per their policy they can not transfer me to the department in charge and to wait for an email response. They are clearly doing everything in their power to keep from reimbursing me for these fraudulent purchases and I have no idea where else to go from here. Please let me know what information I can provide, there is so much back and forth and confusion about these claims I am not sure what all to attach here but welcome any additional questions or how else I can help resolve this nightmare. The total amount I am disputing totals {$1500.00} of which they refunded only {$60.00} claiming that XXXX dispute was valid but the other XXXX were not. Please help if you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: NC

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 XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-12-26 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: NC

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 XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: NY

Complaint narrative:
I am submitting this complaint regarding inaccurate and unverifiable information being reported on my Experian consumer credit file. Experian is required under the Fair Credit Reporting Act to maintain accurate records and to conduct reasonable reinvestigations, yet my credit report continues to display information that is incorrect, does not belong to me, or can not be properly verified. 

Experian is reporting the address XXXX XXXX, XXXXXXXX XXXX XXXX XXXX NY XXXX XXXX which is not my address. I have no knowledge of this address, I have never lived at this location, and it has no association with me. This address is inaccurate and must be deleted from my credit file. Experian is also reporting the address XXXX XXXX XXXX XXXX XXXX, NJ XXXX, which is likewise not my address. I have no knowledge of this address, I have never resided there, and it does not belong to me in any capacity. This address must also be permanently removed. 

Experian is reporting the account XXXX XXXX XXXX XXXX  with a reported late payment and a date opened of XX/XX/XXXX. I am disputing the accuracy of the late payment history being reported on this account. The information does not accurately reflect my payment history, and Experian must conduct a proper reinvestigation and correct any inaccurate late payment reporting. 

Experian is also reporting the account XXXX XXXX XXXX XXXX  as a charge-off with a date opened of XX/XX/XXXX. I have no knowledge of this account, I do not recognize it as mine, and Experian has failed to provide proper verification that this account belongs to me. This account must be fully investigated and removed if it can not be verified as accurate. 

Additionally, Experian is reporting the account XXXX XXXX XXXX XXXX with a reported late payment and a date opened of XX/XX/XXXX. I am disputing the accuracy of the late payment history associated with this account. The information being reported is inaccurate and must be corrected following a lawful reinvestigation. 

Experian is further reporting the account XXXX XXXX XXXX XXXX XXXX XXXX with a reported late payment and a date opened of XX/XX/XXXX. I am disputing the accuracy of the late payment information being reported on this account. Experian must verify the accuracy of this reporting and correct any information that is inaccurate or unverifiable. 

I am requesting that the CFPB require Experian to conduct a reasonable and lawful reinvestigation of each item identified above and to delete or correct any information that can not be fully verified. Experian must ensure that my credit report reflects only accurate, complete, and verifiable information in compliance with the Fair Credit Reporting Act.

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 2025-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I previously submitted a complaint regarding inaccurate and unauthorized credit reporting ; however, the disputed items remain on my credit report with no resolution. The continued reporting of these accounts and inquiries, which do not belong to me, reflects a failure to adequately investigate as required under federal law. This unresolved reporting continues to cause material harm to my credit profile, and I am requesting immediate removal and blocking of the inaccurate information.

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