vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by
15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been with Wells Fargo for a very long time. Anytime I have any issues with my account they were resolved immediately. However on XXXX XXXX I woke up with two unauthorized charges. One for {$64.00} and one for {$310.00}. I called Wells Fargo immediately. The first gentleman was helpful but did not give me a claims number. Asked to be transfer to claims. Gave them a full detail of what took place the guy made it seem like it was my fault and very condescending. Called back 5 days later no resolution. The manager gave me a number to a furniture place instead of a number where someone can help me. I have no money to feed my children. I made a police report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am a victim of financial fraud through Cash App. My Cash App account was accessed without my knowledge or consent, and all the funds were transferred and withdrawn by an unauthorized party.

The hacker appears to have gained access through my email account, which they also compromised. I have since taken steps to secure my email by changing the password, enabling two-factor authentication, and signing out of all other sessions. Despite this, the damage was already done, and my entire balance was stolen.

I contacted Cash App customer service, but they have refused to assist, stating that they can not recover the funds. This is unacceptable. Cash App failed to provide adequate security protections, and their support team has failed to properly investigate my case.

This stolen money was not extra spending it was my essential living funds, including money for food, transportation, and bills. Their lack of proper fraud prevention and weak customer protection policies allowed this to happen.

I am formally requesting the Consumer Financial Protection Bureau to investigate Cash Apps handling of this matter and their failure to comply with consumer protection standards. I need immediate help recovering my stolen funds and holding Cash App accountable for allowing this unauthorized access and refusing to provide proper support. 

Date of the transaction XX/XX/year> Amount {$2400.00} XX/XX/year> Amount {$590.00} XX/XX/year> Amount {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: TN

Complaint narrative:
To Whom It May Concern : This complaint is regarding multiple inaccurately reported collection accounts listed under my name by XXXX XXXX XXXX XXXX that do not belong to me. ( XXXX, XXXX ) After repeated disputes, XXXX has confirmed deletion of all such accounts due to failure by the data furnisher to provide any chain of custody, original signed agreements, or legally verifiable documentation. I am attaching screenshots from XXXX verifying these deletions. 

Despite XXXX  's findings, XXXX and Equifax continue to report these same invalid accounts, causing ongoing harm to my creditworthiness and violating my rights under federal law. 

Per the Fair Credit Reporting Act ( FCRA ) 611 [ 15 U.S.C. 1681i ], if an item can not be verified, it must be deleted. By continuing to report unverifiable and disputed accounts, both credit bureaus and the data furnisher are in direct violation of federal law. I demand immediate deletion of these accounts from all consumer reporting agencies.

Additionally, I am aware that automated/artificial intelligence systems may be used to filter or dismiss disputes. This is unacceptable and incompatible with the requirements for a reasonable investigation as mandated under FCRA 611 ( a ) ( 1 ) ( A ). Any such automated denial without human review may constitute willful noncompliance, opening the door to legal damages under FCRA 616 [ 15 U.S.C. 1681n ]. 

This is your final notice to correct this reporting failure. If XXXX and Equifax do not remove these accounts promptly and permanently, I will explore all legal remedies, including formal legal action and complaints to the FTC and State Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: IN

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$0.00}

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 2025-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: OH

Complaint narrative:
I initiated a {$520.00} deposit through Remitly XXXX XXXX on XXXX XXXX XXXX, using my XXXX account ( ending in XXXX ). The amount was successfully debited and shows as " Posted '' on my bank statement. However, my bank account was permanently closed shortly after the debit. 

Remitly has informed me that the funds were refunded to my bank account, but my bank has confirmed that no refund was received. Since the account is permanently closed, no funds can return to it.

Remitly is not taking responsibility for resolving this issue, and I am caught in a loop with no solution. I can not receive my money, so I have requested a refund to an alternative bank account, but Remitly is not responding to this request.

I am requesting CFPB 's intervention to have Remitly process a manual refund of my {$520.00} to a new active bank account, and to provide a clear statement on where the funds are currently stuck.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: FL

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Credit Systems International, Inc.
State: AL

Complaint narrative:
A collection account from Credit Systems International , Inc. for an Alabama Power bill is being inaccurately reported on my XXXX  credit report. I disputed this same account with XXXX and it was deleted after investigation, as the information was either inaccurate or unverifiable. I submitted documentation to XXXX showing proof of the XXXX deletion and requested they review or expedite the dispute. XXXX refused to manually review the dispute or take action, even though this is actively preventing me from being approved for housing. 

The account is not related to the apartment I am applying for, and the information being reported is inconsistent across bureaus. Under the Fair Credit Reporting Act, any unverifiable or inaccurate information must be removed. I am now filing this complaint because the incorrect reporting by Credit Systems International is causing material harm to my ability to secure housing, despite having already been resolved with another credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-28 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: WI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX Wi XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$1200.00} XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XXXX, Balance : {$830.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX  Date : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: MI

Complaint narrative:
I sent in a police report for items on my credit report that were initiated by identity theft. The items still remain on my credit report. I am now getting ready to take legal action against the credit bureaus. You have violated U.S. Code 605 section b. XXXX and XXXX should be deleted according to Federal Law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: MI

Complaint narrative:
I sent in a police report for items on my credit report that were initiated by identity theft. The items still remain on my credit report. I am now getting ready to take legal action against the credit bureaus. You have violated U.S. Code 605 section b. XXXX and XXXX should be deleted according to Federal Law

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 2025-07-28 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/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 2025-07-28 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: MD

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$160.00}

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 2025-07-28 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

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

Company 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 2025-07-28 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: GA

Complaint narrative:
Dear XXXX XXXX, I am writing in response to your recent communication regarding my request for documentation related to the late payment reported to [ XXXX/XXXX/Equifax ] on my account [ XXXX XXXX # XXXX # XXXX ]. Unfortunately, the materials you provided do not meet my original request. 
Specifically, you sent the following documents in response to my request : [ Statement ].

However, this documentation does not satisfy my request under 15 U.S. Code 1637 ( b ) and 15 U.S. Code 1666b. My original request asked for proof that the periodic statement was mailed or delivered to me at least 21 days prior to the payment due date and documentation showing that the statement met the legal requirements specified under 15 U.S. Code 1637 ( b ).

The documents you provided, such as [ Statements ], do not provide the necessary proof of compliance with the legal requirements for reporting a late payment. The [ Statements ] are insufficient to verify that the payment was reported accurately.

To clarify, I am still requesting the following documents : 1. Proof of Compliance with 15 U.S. Code 1637 ( b ) : You must provide evidence that the periodic statement, containing all required information, was mailed or delivered to me at least 21 days before the payment due date.

2. Documentation Showing the Required Information in the Statement : I request a copy of the actual periodic statement ( s ) for the relevant months, showing the payment due date, statement date, and proof that it was mailed or delivered on time.

If you are unable to provide these specific documents, I insist that the inaccurate late payment entry be removed from my credit report immediately, as continued reporting without the required proof of compliance constitutes a violation of 15 U.S. Code 1681s-2 and other applicable laws.

Please be advised that I am requesting this information in accordance with 15 U.S. Code 1681s-2 ( b ) and 15 U.S. Code 1681i ( a ), which require you to respond to my dispute and provide the appropriate verification within 10 calendar days of this letter. Failure to do so will result in further legal action, including the pursuit of damages under 15 U.S. Code 1681n and 15 U.S. Code 1681o, as well as potential claims for defamation and violations under the Fair Debt Collection Practices Act ( FDCPA ).

I expect your immediate compliance with my request and a response by XX/XX/year>. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation