vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 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: FL

Complaint narrative:
I disputed a transfer from my Wells Fargo account to my XXXX XXXX because the money was taken from my bank but I never received the funds. Wells Fargo told me the dispute was denied because the merchant provided an IP address and a one-time code, but that does not change the fact that the money never appeared on my XXXX XXXX XXXX I did not complete any one-time code, and regardless of any IP address information, I still did not receive the funds I was charged for. Wells Fargo refuses to reopen the dispute even though the value of the transaction was never delivered to me. I am requesting that this be reviewed again especially since i asked for Proof of This documentation and it wasnt given to me.

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 2025-11-28 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: IN

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. 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.

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 2025-11-28 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: IN

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. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
This complaint is not a duplicate of any prior complaint. It concerns a distinct legal violation under California Commercial Code 9210 ( b ) and the statutory consequence under 9625 ( g ). 

On XX/XX/year>, I sent Freedom Mortgage Corporation a written request under 9210 ( b ) for a statement of account, a list of collateral, and a full accounting. The request was delivered on XX/XX/year>, as confirmed by XXXX tracking. 

Freedom Mortgage did not respond within the required 14-day deadline under California law . The only response received was a general acknowledgment referencing RESPA timelines, which is not applicable to a 9210 request. This failure to comply triggered the consequence under 9625 ( g ), which states that a secured party may only claim a security interest as shown in the request if the requesting party is reasonably misled by the failure to respond.

I was reasonably misled by their silence, and the information stated in my request was : Remaining balance : {$0.00} Despite this, the company continues to report a balance and possibly claim a security interest beyond what the law allows. This is not only a state law violation, but potentially inaccurate or deceptive under federal law.

I am requesting that the CFPB treat this as a separate complaint, investigate Freedom Mortgages failure to comply with 9210, and require them to either : Provide proof they responded within 14 days with the required documents, or Correct the account and credit reporting to reflect the only legally supportable balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: MI

Complaint narrative:
A total of {$2200.00} in withdrawals from my checking account ( provided by Current bank ) were unauthorized to XXXX ( {$2000.00} ) and XXXX XXXX XXXX ( {$200.00} ). I filed disputes and provided proof that I was hacked but the claims were denied. I have also filed an identity theft claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute.

It has been over 30 days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

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 2025-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: VA

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 ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX 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 2025-11-28 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: CA

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

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. 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. XXXX, TransUnion XXXX XXXX are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately :

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 2025-11-28 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: KY

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I have been a loyal American Express customer for 13 years with excellent payment history and no unusual spending patterns. Despite this, Amex repeatedly suspended all of my cards without proper notice and placed me under two separate Financial Reviews within XXXX months. 

XX/XX/year> : Amex initiated a Financial Review. I fully complied and provided everything requested : my last XXXX pay stubs, my checking account used to pay Amex statements, and my savings account balances. After reviewing the documents, Amex unlocked my cards and confirmed everything was acceptable. 

XX/XX/year> : Amex sent me multiple pre-approved offers for the XXXX XXXX. I applied and was instantly approved. However, the day after receiving the card, Amex suspended the XXXX XXXX and all my other Amex cards without emailing or calling me. I only found out because XXXX XXXX notified me that the card stopped working. 

When I called on XX/XX/XXXX, I was told I was under another Financial Review, even though nothing in my income or spending had changed. This was the second FR in less than XXXX months. For this second review, Amex asked for an IRS XXXX XXXX I submitted it immediately on the same day. 

The IRS confirmed that the transcript was delivered to Amex ( via XXXX  secure mailbox ) on XX/XX/XXXX. Despite this, Amex has not restored my accounts, and as of today, it has been more than 17 days since my cards were suspended. Every time I call the Financial Review department, they refuse to provide updates and simply say, We will call you, but I have not received any communication. 

During this suspension, Amex charged me the {$890.00} XXXX annual fee on XX/XX/XXXX, even though I have not been able to use the card at all. My Amex XXXX XXXX ( {$320.00} annual fee ) and XXXX XXXX Amex ( {$120.00} annual fee ) are also suspended, along with my no-annual-fee cards. I can not make any purchases and can not use any benefits I am paying for. 

I submitted all documentation twice ( first in XXXX, then again through IRS XXXX ), and yet my accounts remain locked with no timeline, no communication, and no explanation. This situation has caused me financial inconvenience and prevented me from using the XXXX XXXX for planned travel. 

I believe this reflects unfair billing practices, unreasonable account suspension, poor communication, and repeated financial reviews without justification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have identified unauthorized access to my credit report by several companies, which has resulted in direct harm to my credit standing and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. Unfortunately, this assurance has not been honored, as the inquiries persist on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NE

Complaint narrative:
Basically my uninvited estranged ex-husband showed up at my place to see his XXXX  was there XXXX minutes he left on his way driving out of the complex you pass the office well he took it upon himself to stop and I guess threatened XXXX ( XXXX at time ) im not sure why, I knew absolutely nothing about it till I go out to check mail and there is a 5 Day vacate notice in my mailbox, couldn't knock and hand it to me and I immediately called him crying apologizing trying to figure a way we can fix it but he refused to really talk to me. It's the beginning of XXXX in a XXXX  and we just paid rent and now THEY are making me and my young XXXX  move for something I hade absolutely no control over or knowledge, from where I lived you cant see the office as far as I knew he left, I dont feel as if im responsible for the breaking of the lease, personally think XXXX was still upset at me and saw me as a pain, I had to go to his supervisor XXXX weeks after moving in because nothing was getting fixed just a few things, my patio door did not lock even the first day we moved in, the other tenants trash and some belongings stin there, oven didn't work and my front door handle kept falling off thats just a few issues our XXXX leaked the whole time but the maintenance man said it was cuz of us being overweight we'd call and be ignored im paying XXXX  month I expect to be able to at least lock my doors but no matter the reason THEY terminated the lease, trying to say im responsible for his behavior I could understand if he was near me and I saw his actions but he left and if XXXX was so scared he could have called police, pressed charges and had him removed. He didn't. I will pay XXXX for cleaning cuz we left in a hurry, but I will not take responsibility for a grown man 's behavior tell XXXX to sue him for the money! Please im begging for someone to finally hear my version you've heard XXXX  and they may be a big company that doesn't make them a good honest company. I'm a XXXX woman that just barely survives from month to month do you realize how hard it was to come up with {$2400.00} right after paying rent in 5 days to move. We were not treated fair by any means, he did what he on his own wr teach our kids to be responsible for there actions yet im being punished for his.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: AL

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: NC

Complaint narrative:
I am writing to submit a formal dispute regarding the following accounts on my credit report. I request that you review these items as they contain inaccuracies or incomplete information. Below is a detailed breakdown of the accounts that are currently in dispute with each bureau. I request that the items be investigated and corrected where necessary, in compliance with the Fair Credit Reporting Act ( FCRA ). 

CHARGED OFF ACCOUNTS EQ : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$340.00} XXXX  XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$690.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance XXXX {$1000.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$480.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$720.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} LATE PAYMENTS EQ : XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  : XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX : XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-11-28 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: FL

Complaint narrative:
I kindly ask that you review these accounts, which were not opened or approved by me. They seem fraudulent, and I have provided documentation to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I made several attempts to use Experian and Equifax automated system to remove a fraud alert or credit freeze and was unsuccessful. It is very hard to communicate with someone personally at these credit furnishers. I made several attempts to get someone on the phone and it was unsuccessful

Company response to consumer: Closed with explanation