vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 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: OH

Complaint narrative:
Equifax has verified two disputed accounts ( XXXX XXXX XXXX  Account # XXXX and XXXXXXXX XXXX XXXX Account # XXXX ) as accurate without providing any documentation or proof of verification.

I previously filed a formal dispute challenging the accuracy and ownership of these accounts. Equifaxs response only contained a generic summary of account, not actual proof of verification, contracts, or billing statements. This response fails to meet the requirements of a reasonable reinvestigation under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: SC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ 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 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I am writing to you lodging a complaint against PNC Bank. On Saturday, XX/XX/XXXX at approximately XXXX am I tried making a cash deposit of {$2000.00} into my daughter 's account. I provided then the correct amount, a deposit slip and my driver 's license as identification which also showed the same last name. The teller then declined processing the transaction because I didn't have an account there. They will not accept cash if you don't have an account. 

How is this possible, I ask. I am providing cash, a United States legal tender to a BANK to deposit into an account. I am not asking to withdrawal funds. I wanted to deposit it. I was told they will not accept cash transactions because I don't have an account. 

The sole reason the banking institution exists is due to the units states federal funded legal tender -- CASH! 
How can a bank allow this decision AND how can the government allow them to do so? This is completely unconditional. 
Currently there is a bill called " XXXX XXXX XXXX of XXXX '' ( XXXX. XXXX in the house ) which has been introduced in the XXXX XXXX which sounds to prohibit most retail companies from refusing cash payments. 
The bank suggested I should use other non-regulated applications such as XXXX or XXXX. That's just fantastic, suggest people to use other applications that they government has not figured out a way to track yet. That's just perfect. 

Please do your due diligence and seriously look into this situation. I truly believe my constitutional rights were violated

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: MD

Complaint narrative:
I'm writing to bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. 
I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2025, Experian emailed that items previously blocked under FCRA 605B were reinserted, stating only that additional information was obtained. Experian did not identify the furnisher ( s ) or provide the specific material information relied upon, nor any 623 furnisher certification required for reinsertion under 611 ( a ) ( 5 ) ( B ).

That same day, I sent Experian a written 605B Reinsertion Demand by Certified Mail ( tracking XXXX ) requesting, within XXXX business days : ( 1 ) the material information used to reverse the 605B block, ( 2 ) the furnishers 623 certification of accuracy, ( 3 ) the furnishers name/address/phone, and ( 4 ) Experians reinsertion procedures. No responsive information has been provided.

The reinserted tradeline ( s ) include at least XXXX XXXX Bank, XXXX ( and possibly others shown on my report generated XX/XX/2025 ). Experian also posted mixed dispute-status emails on XX/XX/2025 ( updates/open/results ), adding to confusion and harm from the reinsertion of previously blocked identity-theft items. 

Requested resolution : Require Experian to produce the specific material information and XXXX certification used for reinsertion, or re-block the items immediately. 

Require Experian to send correction notices to any recent recipients of my report. 

Ensure Experians reinsertion controls comply with 611 ( a ) ( 5 ) ( B ) and 605B going forward.

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 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Under this section, I will include a succinct summary of the situation. I attached to this complaint a XXXX doc. titled " Incident & Wells Fargo Conversations - Full Details, '' which contains full details about the incident and discussions with Wells Fargo representative. I also attached XXXX XXXX files that contain screenshots with emails from Wells Fargo, XXXX XXXX XXXX XXXX, and phone logs with Wells Fargo. These PDF files are titled : Email_WellsFargo_FraudAlert ; Email_WellsFargo_Claim_Inquiry_Received ; Claim & Transactions Details ; XXXX. 

My Wells Fargo debit card was stolen on XX/XX/year> and, within minutes, XXXX unauthorised transactions of {$1100.00} each ( totaling {$3300.00} ) were processed to PP * XXXX in XXXX XXXX, Florida. I immediately reported the theft and unauthorised transactions to Wells Fargo the same day, within an hour of occurrence, and a fraud claim ( Ref. No. XXXX ) was opened. Even though the transactions were still pending and I already opened a claim for these XXXX transactions in which I informed the bank that I do not authorize for these transactions, Wells Fargo still authorized the transactions 2 days later. Moreover, despite reporting the incident promptly and following all required procedures, Wells Fargo denied my claim XXXX separate times without providing any valid or consistent justification. 

XXXX XXXX investigation was flawed and contradicts its own records. Their fraud system initially flagged a fourth identical transaction to the same merchant as fraudulent, yet the XXXX prior transactionsidentical in every waywere approved. Additionally, I was told by an agent that the notes in my file stated the card was physically present, even though I clearly reported the card stolen, which suggests XXXX XXXX investigation was based on inaccurate assumptions. XXXX of the claims resolution manager later confirmed the transactions used a PIN, but the bank did not verify or provide any signature comparison or other evidence showing I authorized the charges. 

I also promptly filed a police report with the XXXX Police Department ( XXXX XXXX. XXXX ), further confirming the theft. XXXX XXXX actions demonstrate repeated procedural and investigative failures. They also failed to credit my account provisionally, as required under Regulation E ( 12 CFR 1005.11 ), and disregarded their own published Zero Liability Protection policy ( Wells Fargo Debit Card Terms and Conditions ). 

In summary, Wells Fargo failed to : Properly investigate and resolve my claim in accordance with Regulation E.

Provide evidence or documentation supporting their denial.

Uphold the Zero Liability Protection promised in their debit card terms. 

Accurately record and interpret the date and nature of my claim.

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 2025-10-22 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: FL

Complaint narrative:
I am filing this complaint regarding multiple inaccurate, misleading, and fraudulent entries on my credit report. These entries have caused, and continue to cause, severe damage to my creditworthiness and financial stability. Despite my previous attempts to rectify these matters with the respective creditors and collection agencies, the inaccuracies persist. 

The disputed entries are as follows : Incorrect Addresses Reported : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These addresses are not associated with me and their presence on my credit file is false, misleading, and violates the Fair Credit Reporting Act ( FCRA ). 

Fraudulent or Incorrect Accounts : XXXX XXXX XXXX High Balance : {$2000.00}, Date Opened : XX/XX/XXXX, Charge Off XXXX XXXXXXXX High Balance : {$1000.00}, Date Opened : XX/XX/XXXX, Charge Off XXXX XXXX XXXX High Balance : {$2100.00}, Date Opened : XX/XX/XXXX, Collection XXXX XXXX XXXXXXXX High Balance : {$1200.00}, Date Opened : XX/XX/XXXX, Collection I categorically dispute the accuracy and legitimacy of all of the above accounts. I demand that these entries be investigated, corrected, or permanently removed from my credit report in accordance with the FCRA and related consumer protection regulations. 

The continued reporting of these false or unverifiable accounts constitutes defamation, financial harm, and violation of federal credit reporting laws. I request that the CFPB : Investigate each of the disputed accounts and incorrect addresses. 

Require the reporting agencies and creditors to provide verifiable proof of validity for each account. 

Ensure the immediate removal of any unverified or incorrect information. 

Provide written confirmation of the results of this investigation. 

Please consider this complaint urgent, as these inaccuracies have caused ongoing financial damage, including denial of credit opportunities and unjust collection attempts.

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 2025-10-22 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: FL

Complaint narrative:
Dear CFPB : I am submitting this complaint regarding multiple inaccuracies on my credit reports from XXXX, Experian, and XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, 1681s-2, I have the right to dispute inaccurate, incomplete, or unauthorized information, and the credit reporting agencies and furnishers are required to investigate and correct these items. 

Disputed Accounts and Items : * XXXX XXXX XXXX XXXX Credit Card Account XXXX Reported balance : {$1900.00} Last activity : XX/XX/year> Issue : Balance and last payment date are incorrect. Attached is a bank statement confirming my actual balance and payment date. 

Requested action : Correct balance and last payment date on all reports. 

* XXXX XXXX XXXX XXXX XXXX Account XXXX Reported closure date : XX/XX/year> Issue : Closure date and last payment date do not match my records. Attached documentation confirms correct dates. 

Requested action : Correct closure date and last payment date. 

* XXXX XXXX XXXX Auto Account XXXX Reported balance : {$29000.00} Last payment : XX/XX/year> Issue : Balance and last payment date are inaccurate. Attached proof of actual balance/payment. 

Requested action : Correct balance and last payment date. 

Unauthorized Hard Inquiries ( not authorized by me ) : XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Requested action : Remove these inquiries from all reports. 

Supporting Documentation : Copies of my XXXX report pages showing disputed items Bank statements confirming payments and balances Identification documents ( drivers license, utility bill ) Legal Basis : FCRA 1681i ( a ) : CRAs must reinvestigate disputed items within XXXX days and correct inaccuracies. 

FCRA 1681s-2 ( b ) : Furnishers must investigate disputed information and notify CRAs if corrections are necessary. 

I request immediate correction of all inaccurate information and removal of unauthorized inquiries. 

XXXX Requested : Investigate the items listed above with each credit bureau and the relevant furnishers. 

Correct all balances, last payment dates, closure dates, and remove unauthorized inquiries. 

Provide a written response with the results of the investigations and updated credit reports for each bureau. 

Thank you for your assistance in resolving these matters under the FCRA. 

Sincerely, 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 2025-10-22 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-10-22 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 am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
First I would like to say, why are they charging me fees for a card that I already have and on my XXXX XXXX  theyre charging me fees and the reason why I can not get my money because they want me to pay your fee XXXX time they charge me extra twice or XXXX times and XXXXXXXX XXXX and now I cant get my phones from my games or either for my loans

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 2025-10-22 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: LA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-22 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: TX

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2025, Experian emailed that items previously blocked under FCRA 605B were reinserted, stating only that additional information was obtained. Experian did not identify the furnisher ( s ) or provide the specific material information relied upon, nor any 623 furnisher certification required for reinsertion under 611 ( a ) ( 5 ) ( B ).

That same day, I sent Experian a written 605B Reinsertion Demand by Certified Mail ( tracking XXXX ) requesting, within XXXX business days : ( 1 ) the material information used to reverse the 605B block, ( 2 ) the furnishers 623 certification of accuracy, ( 3 ) the furnishers name/address/phone, and ( 4 ) Experians reinsertion procedures. No responsive information has been provided.

The reinserted tradeline ( s ) include at least XXXX XXXX Bank, XXXX ( and possibly others shown on my report generated XX/XX/2025 ). Experian also posted mixed dispute-status emails on XX/XX/2025 ( updates/open/results ), adding to confusion and harm from the reinsertion of previously blocked identity-theft items. 

Requested resolution : Require Experian to produce the specific material information and XXXX certification used for reinsertion, or re-block the items immediately. 

Require Experian to send correction notices to any recent recipients of my report. 

Ensure Experians reinsertion controls comply with 611 ( a ) ( 5 ) ( B ) and 605B going forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: CA

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

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 2025-10-22 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: CA

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

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 2025-10-22 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: IL

Complaint narrative:
My report is showing late payments even though the account has been paid in full.

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