vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
my debit card was stolen on XX/XX/year> and used in texas which i have never been. my card was used to order a XXXX  which is a company that i have never used. it was also used at XXXX by XXXX multiple times. it was also used at a XXXX XXXX in XXXX TX. who ever stole my card also tried to purchase automotive parts online from XXXX which thankfully wells fargo declined. wells fargo bank said that it was my wife that used my card but she has also never been to texas. after the banks " investigation '' they are pulling the funds back out of my account. they will not give me any concrete proof of their 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 2025-08-05 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: FL

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 4 business days of you receiving this complaint. 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. A 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 2025-08-05 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: GA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard XXXX not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-08-05 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: NJ

Complaint narrative:
I XXXX XXXX, social security number XXXX, Date of Birth : XX/XX/year> is writing this CFPB complaint to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , Experian credit reporting agency XXXX and Equifax credit reporting agency 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. This fraudulent, inaccurate, and false information consists of credit card account opened at XXXX XXXX XXXX on XXXX XXXX and XXXX XXXX under account number XXXX ; credit card opened at XXXX XXXX XXXX XXXX on XXXX XXXX under account number XXXX, credit account opened at XXXX XXXX on XXXX under account number XXXX, auto loan opened at XXXX  XXXX XXXX XXXX under account number XXXX on XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX under account number XXXX, XXXX XXXX XXXX XXXX account number XXXX opened XXXX XXXX, XXXX accounts with XXXX XXXX XXXX both opened on XXXX XXXX with no account info available, and account with XXXX XXXX opened XXXX XXXX under account number XXXX. XXXX XXXX XXXX opened on XXXX XXXX under account number XXXX accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-05 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 XXXX XXXX, social security number XXXX, Date of Birth : XX/XX/year> is writing this CFPB complaint to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , Experian credit reporting agency XXXX and Equifax credit reporting agency 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. This fraudulent, inaccurate, and false information consists of credit card account opened at XXXX XXXX XXXX on XXXX XXXX and XXXX XXXX under account number XXXX ; credit card opened at XXXX XXXX XXXX XXXX on XXXX XXXX under account number XXXX, credit account opened at XXXX XXXX on XXXX under account number XXXX, auto loan opened at XXXX  XXXX XXXX XXXX under account number XXXX on XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX under account number XXXX, XXXX XXXX XXXX XXXX account number XXXX opened XXXX XXXX, XXXX accounts with XXXX XXXX XXXX both opened on XXXX XXXX with no account info available, and account with XXXX XXXX opened XXXX XXXX under account number XXXX. XXXX XXXX XXXX opened on XXXX XXXX under account number XXXX accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: GA

Complaint narrative:
There are late payments on this account ( XXXX - XXXX ) which is hurting my credit report badly. I was never late in making payments. Please correct and update the inaccurate information on my credit report. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, and my Proof of Address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: NC

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 XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/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 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: GA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Needs to be removed due to improper use and unauthorized use.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: GA

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 XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  Account XXXX XXXX XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened XXXX XXXXXX/XX/XXXX, Balance : {$0.00} INQUIRIES XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/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 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: AZ

Complaint narrative:
Never applied for debt, requested validation of debt never recieved and disputed by credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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:
Incorrect reporting, closed accounts showing open status and in collection, balances are incorrect, miss reporting late payments on multiple accounts damaging my credit history

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Incorrect reporting, closed accounts showing open status and in collection, balances are incorrect, miss reporting late payments on multiple accounts damaging my credit history

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 2025-08-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
Received my monthly mortgage statement in the amount of {$6200.00}. Called asap and they were checking into it. Planet home lending told me that they are refunding me for the wind insurance and that everything else should go back to normal. XXXX was not removed and I still haven't been told what this is for and why it's on my account. Asked Planet home lending if it was forced insurance and they stated to me that they don't know what its for. I spoke to a XXXX, XXXX and several others about this situation. I made my regular house payment this month and I can not afford an additional {$3000.00}. They have done an account analysis on my account and have fixed the problem for XXXX on and doesn't include this month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: U.S. BANCORP
State: CA

Complaint narrative:
I have submitted a dispute in regards to this issue XXXX before and have gotten a response that everything has been cleared under my name. I have previously advised your office that I have not open or obtained an account, nonetheless, a credit with US BANK or any of the affiliates. I have confirmed and advised US BANK that I have not requested a credit card and that the address that the card was used to be open, is and was not my address of residency. I am not sure as to why and how this was done under my name and how US BANK approved a credit under my name, without doing any further review and confirmation. Given the fact that US BANK has the right to investigate and obtain all necessary information prior to approving any credits, US BANK has failed to uphold that duty and has caused my information to be used in a scam. Furthermore, US BANK must have gotten signatures along with other identifying information prior to opening an account under my name and failed to do so under the law and regulation of California along with the Federal laws that US BANK must comply with prior to approving any credit card/lines to anyone. Pursuant to XXXX XXXX XXXX online advertisement, US BANK encourages people to use their online system to apply for a credit card and states that its the " quickest '' way to get approved. I did not get a card for approval nor did I get anything in the mail from US BANK stating that my information was used or attempted to be used in order to open an account. Thus, US BANK has failed its duty, under XXXX  consumer laws and regulations by properly requesting necessary information and documentation to approve a card under my name. Moreover, US BANK violated federal laws when it approved a card under my name to someone else and is exposed to selling and/or buying my information under different affiliates, exposing them to a lawsuit under XXXX XXXX due diligence acts and approval under misrepresented information and/or documentations. With that said, I am requesting for US BANK to immediately withdraw the charge off from my credit as I have previously stated that I did not own to account nor made any used of it.

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 2025-08-05 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: PA

Complaint narrative:
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!

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 2025-08-06 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: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX TX XXXX Equifax Information Services XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Follow-Up and Request for Update Identity Theft Victim Request to Block and Delete Fraudulent Accounts Dear Equifax Consumer Services, Im writing to follow up on the identity theft report I submitted regarding fraudulent accounts and information related to my identity under the Fair Credit Reporting Act ( FCRA ), specifically pursuant to 15 U.S.C. 1681c-2 ( a ). I am a victim of identity theft because of the Equifax data breach, and unauthorized accounts have been fraudulently opened in my name. 

The fraudulent accounts that I have identified on my credit report are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And inquiry : XXXX. XXXX XXXX XX/XX/XXXX I request that Equifax promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile. 

Furthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes. 

If you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above. 

Thank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately, I had a few late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action. 

SEE ATTACHED.

Company response to consumer: Closed with non-monetary relief