vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 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: TN

Complaint narrative:
Subject : Dispute of Inaccurate Late Payment Reporting Account Ending in XXXX To Whom It May Concern, I am writing to formally dispute inaccurate and inconsistent late payment reporting on my credit file regarding my auto loan account ending in XXXX. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full investigation and correction of these erroneous entries. 
According to my records, I have never been late on this account. However, my credit reports from TransUnion, Experian, and Equifax show conflicting late payment entries. These discrepancies clearly demonstrate that the information being reported is inaccurate and potentially damaging to my creditworthiness. Please find the discrepancies outlined below : TransUnion Reports the following late payments : XXXX 2023 30 days late XXXX 2023 60 days late XXXX 2023 30 days late XXXX 2023 30 days late Experian Reports a different sequence of late payments : XXXX 2023 30 days late XXXX 2023 60 days late XXXX 2023 30 days late XXXX 2023 30 days late Equifax Reports additional and extended late payments : XXXX 2023 30 days late XXXX 2023 30 days late XXXX 2023 30 days late These conflicting reports across the three credit bureaus for the same account are clear indicators of inconsistent and inaccurate data furnished by the creditor. I maintain that I have made all payments on time, and no valid documentation should exist to support these derogatory entries. 
I am requesting that each of these inaccurate late payment notations from XXXX 2023 through XXXX 2023 be investigated and removed from my credit file. If the creditor can not verify the accuracy of these late payment reports with proper documentation, they must be deleted from my report in compliance with the FCRA. 
Attached are supporting documents including screenshots of the discrepancies as reported by each bureau. I expect a prompt resolution and an updated copy of my credit report once the investigation is complete. 

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: TX

Complaint narrative:
I am writing to report an instance of identity theft and to formally dispute fraudulent accounts opened in my name. I believe that my personal information has been compromised, resulting in unauthorized use that has significantly affected my credit report and financial well-being. Details of the fraudulent activity are as follows : 1. * * Unauthorized Accounts * * : - XXXX OPENED XX/XX/XXXX XXXX XXXXXXXX opened XX/XX/XXXX XXXX XXXX opened XXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX XXXX. * * Credit Report Discrepancies * * : - I have obtained my credit reports from Experian and have identified the following inaccuracies related to the fraudulent accounts : XXXX OPENED XX/XX/XXXX XXXX  XXXX opened XX/XX/XXXX XXXX XXXX opened XXXX XXXX XXXX  XXXX opened XX/XX/XXXX Attorney General XXXX opened XX/XX/XXXX I have yet to recieve a response from XXXX I request that you investigate this matter and take the necessary actions to rectify my credit report by removing these fraudulent accounts. I also ask for your assistance in providing guidance on any further steps I should take to protect myself from identity theft in the future. Thank you for your attention to this important matter. Please let me know if you need any additional information to expedite the investigation

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 2025-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX is the Real Estate Broker who represented XXXX XXXX XXXX for a Real Estate purchase transaction. On XX/XX/year>, a fraudster contacted XXXX XXXX, under the guise of my brokerage, XXXX XXXX XXXX. & acted as me ( XXXX XXXX ), by hacking into my business email account- it seems, not sure how, and giving XXXX XXXX incorrect bank info. to wire $ XXXX for the deposit for escrow on the purchase of a piece of real estate in Virginia. We discovered the hack issue on XXXX XXXX and XXXX XXXX promptly notified XXXX XXXX XXXXXXXX & I also went to the local Wells Fargo Branch here in XXXX, VA ( that is the bank and branch that the hacker gave to XXXX XXXX to send funds to using my name ). The local Wells Fargo bank manager looked at the account info. and confirmed with me that the account # was not a Wells Fargo account # at all & therefore should return back to my client 's account with XXXX XXXX XXXXXXXX within days if it even leaves at all. But- the funds were never returned. My client, XXXX XXXX, worked with XXXX XXXX  XXXX & filed the SCAM Victim Acknowledgment form with XXXX XXXX XXXXXXXX. his claim # was XXXX. The fraudulent bank info. that he was given by the fraudster on XX/XX/year> was : bank name : WELLS FARGO BANK acct name : XXXX XXXX XXXX XXXX XXXX Act # : XXXX Routing # : XXXX Acct Type : BUSINESS CHECKING Bank Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXXXXXX denied my client 's claim 2 times now. And they refuse to give me any info. to help on this. During their " investigation '' they never once reached out to me to ask any questions about this. I find it very wrong that I was never contacted. They could not have investigated the issue without reaching out to me. My client has no recourse but to sue my company for the funds. I have no recourse, but to sue XXXX XXXX XXXXXXXX if they fail to provide answers about where the funds have gone & why they never contacted me on this. Please help. We do not want to have to go to court over this. 
UPDATE XXXX My client, XXXX XXXX , called today to confirm that he was contacted twice by someone from XXXX XXXX XXXXXXXX , but they are not able to return the funds. 
He said that they could not reach Wells Fargo and that the trace # is not correct. 
If that's the case- where is the money? 
Wells Fargo can be contacted- and both banks need to work together to confirm the funds are still around since the account # provided was incorrect. The funds never should have left my client 's account. 
Here 's the info. obtained the past week : The individual that called XXXX XXXX from XXXX XXXX XXXXXXXX is XXXX XXXX, phone number is ( XXXX ) XXXX. 
The trace number that he provided to XXXX XXXX is 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 2025-04-23 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
I am writing to file a complaint about an incorrect debt reported on my credit report by a third-party collection agency called Phoenix Recovery Group . I vacated my apartment at XXXX XXXX XXXX on XX/XX/year> after providing a 60 day notice on non-renewal and fulfilling all my obligations as per the lease agreement. I have not received any final bill or notification of any outstanding balance until now, almost a year later. 

The collection agency, Phoenix Recovery Group, has reported an amount of {$8000.00} on my credit report, which is incorrect. I have requested a detailed breakdown of this charge from the agency. The apartment complex is showing no balance owed, and I have yet to receive any documentation or evidence supporting this claim. 

I am concerned that this incorrect reporting is affecting my credit score and financial standing. I kindly request your assistance in investigating this matter and ensuring that the incorrect amount is removed from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: OK

Complaint narrative:
On XXXX XXXX, 2025, at approximately XXXX XXXX, I applied for a loan through Affirm to help finance the purchase of XXXXXXXX XXXX. As part of the process, I was prompted to make a down payment of {$340.00}, which was immediately withdrawn from my account. I received a confirmation email and took a screenshot of the approval. 

However, at approximately XXXXXXXX XXXX the same day, I received a second email stating that the loan could not be funded due to a credit-related decision. 

When I contacted Affirm customer service for clarification, I was initially told that I had not been denied. Only after I provided the denial letter they sent me did they acknowledge that the loan had been declined. 

I was first informed that the {$340.00} was a pending charge and would fall off. Later, I was told I would receive a refund. I requested an immediate refund at that time, but since then, I have encountered ongoing delays and conflicting information. 

On a follow-up call, I was told that I had " cancelled the loan. '' This is not accurate. I did not cancel the loan ; Affirm declined to fund it. A representative previously instructed me to take an action on the app ( which may have been misinterpreted as a cancellation ), but I was following customer service guidance. 

As of today, Affirm has retained {$340.00} of my funds despite not providing any loan or service. I believe this withdrawal was unauthorized, as the transaction was tied to a loan they ultimately declined. I am requesting immediate assistance in resolving this matter and recovering the full amount. 

Update as of XXXXXXXX XXXX on XXXX/25 : After getting off chat with an Affirm representative at XXXXXXXX XXXX, I received a new email confirming that my loan was approved and that my refund had been processed. However, as of this writing, the refund has not yet been received in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Alorica Inc.
State: TX

Complaint narrative:
( Context ) The loan I have was originally through XXXX XXXX XXXX XXXX ), it was acquired by Systems & Services Technologies , Inc. My information was transferred to them automatically, without consent. As I understand it, that was apart of the agreement with XXXX. I bring this up because, I would not choose this company to have my personal information due to their outdated systems. 

( Issue ) If I fall behind on payments, SST blocks my ability to make a payment online. I'm forced to call customer service to have my payment privileges restored. This makes no sense and seems predatory, like an unethical way to collect on loans. I would like for this company to remove any obstacles they have in place that prevent me from paying off this debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: UT

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 2025-04-23 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: NY

Complaint narrative:
This whole situation has been incredibly stressful. Ive been doing everything right on my end, but my report is still dragging me down because of info that isnt even accurate. Ive been turned away from things that really mattered, and its frustrating to keep explaining myself over something that shouldnt be there in the first place.

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 2025-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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 2025-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
My Wells Fargo account was hacked through third party apps and hotel websites. XXXX XXXX and XXXX XXXXXXXX app debited {$100000.00} out of my bank account. From XXXX XXXX Present. I am also susceptible of hackers.

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 2025-04-23 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: CA

Complaint narrative:
Its incredibly frustrating and disappointing to see my rights as a consumer continuously disregarded. My credit report contains inaccurate information that has damaged my financial standing and taken a toll on my mental well-being. Ive made multiple attempts to address this, but my concerns have either been ignored or not taken seriously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: CA

Complaint narrative:
I contacted XXXX XXXX XXXXXXXX XXXX i ask them to provide me proof that this account was a charged off. I ask them for a copy of the 1099C that had wrote it off with the IRS, XXXX XXXX XXXX refuse to prove me with a copy so that I could use it as income on my taxes. so i would like this item removed from my credit 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 2025-04-23 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I contacted XXXX XXXX XXXXXXXX XXXX i ask them to provide me proof that this account was a charged off. I ask them for a copy of the 1099C that had wrote it off with the IRS, XXXX XXXX XXXX refuse to prove me with a copy so that I could use it as income on my taxes. so i would like this item removed from my credit report,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: NY

Complaint narrative:
XXXX XXXX XXXXXX/XX/year> I called them spoke to someone they have proff I called XXXX  the car to be removed they don't have a reason why they never retrieved the car they all still reporting on my credit as past due today for a car I no longer have which is illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-23 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: TX

Complaint narrative:
I am formally disputing the following negative items on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Im a victim of identity theft. I tried reporting this to the companies but they are insisting that its my debit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 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 non-monetary relief