vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute certain information contained in my credit report, as provided by your agency. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting that you conduct a thorough investigation of the accounts listed on my credit report and remove any information that can not be verified.

Under the FCRA, you are required to investigate and delete any information that can not be verified as accurate within 30 days of receiving this dispute. If an item is found to be unverifiable, incomplete, or inaccurate, you must promptly delete or correct it. Please ensure that all unverifiable accounts are removed from my credit report in compliance with federal law. 

Enclosed are copies of my government-issued identification, Social Security card , and a recent utility bill as proof of my identity and address. 

Please send me written confirmation of your investigation and any actions taken as a result. I expect your response within the timeframe prescribed by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, [ Your Name ] * * Enclosures : * * - Copy of government-issued ID - Copy of Social Security card - Proof of address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: PA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$19000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: Experian Information Solutions Inc.
State: LA

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: Experian Information Solutions Inc.
State: IN

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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:
b'Dear CFPB\n\nI hope this message finds you well. \n\nI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.\n\nAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C.  1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C.  1681, Section 604(a)(2) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.\n\nIn light of these regulations, I must highlight that XXXX XXXXXXXX  (Account # XXXX), XXXX  XXXX  (Account # XXXX), XXXX XXXX  (Account # XXXX), XXXX  (Account # XXXX), XXXX  (Account # XXXX) has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information.\n\nI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward.\n\nThank you for your attention to this matter. I look forward to your prompt response.\n\nSincerely,  \nXXXX XXXX  \nXXXX  \nXXXX XXXX XXXX XXXX\nXXXX, Tx. XXXX   \nXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
Shellpoint acquired my loan from XXXX XXXX. I made the payments via my XXXX XXXX XXXX XXXX and they took the money from me for five months ( XX/XX/XXXX to XX/XX/XXXX ) they never posted any of the payments and they reported I was behind on my payments to the credit bureaus. I called them and they were able to find 3 payment almost right away and they credited my account -the agent on the phone told me this was an ongoing problem with the XXXX XXXX accounts ) then they spent about 5 weeks locating the other. As this was happening they continued to take my money but not credit my account. After multiple calls I decided I would try to use another account to pay them so I switched to my XXXX XXXX  account, they had the same issue so I called them again and they suggested I don't pay until after I get a bill so that the money doesn't get misapplied to my principle balance, so basically the agent was telling me to pay late. I did not want any late fees so I just continued to pay, today they just sent me an email saying that I have not been paying again even though I have been. I write the account number on my check and I have confirmed with them I am sending it to the correct address. I sent in my most recent payment on XX/XX/XXXX and today ( XX/XX/XXXX ) they sent me an email stating that they did not get it and I am past due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: PNC Bank N.A.
State: TX

Complaint narrative:
PNC reference number XXXX Opened dispute for unauthorized ach debit PNC sent letter stating I did not give them phone number info of merchant. I googled merchant name to no avail. Hence I cant provide any info, so it was denied. I feel this is unacceptable. 

Amount is XXXX on on account XXXX XXXX XXXX XXXX Denied XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: EQUIFAX, INC.
State: TX

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

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX ACCOUNTS : XXXX & XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$220.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$890.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  *, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$7500.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$6100.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: VA

Complaint narrative:
b'XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  VA XXXX\n\nExperian XXXX XXXX XXXX, TX XXXX\n\nSubject: Rest to Block and Delete Fraudulent Accounts  Identity Theft Victim\n\nDear Experian Consumer Services,\n\nI am writing to formally request the blocking and deletion of fraudulent accounts and\ninformation related to my identity under the Fair Credit Reporting Act (FCRA),\nspecifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the Experian data breach, and unauthorized accounts have been fraudulently opened in my name.\n\nThe fraudulent account that I have identified on my credit report are as follow:\n\n1. . XXXX XXXX XXXX\n\nUnder 15 U.S.C.  1681c-2(a), I request that Experian promptly block and delete the\nfraudulent accounts from my credit file to prevent further harm to my credit profile.\n\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\n\nIf you require any further information or documentation to process this request, please\ncontact me immediately at the phone number or email provided above.\n\nThank you for your prompt attention to this matter. I appreciate your cooperation in\nensuring my credit report remains accurate and free from fraudulent activity\n\nXXXX 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 2025-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute certain information on my credit report that I believe is inaccurate and is negatively impacting my financial well-being. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough and timely investigation into these discrepancies.

It has come to my attention that the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian for failure to properly investigate consumer disputes, citing practices such as : 1. Inadequate investigations that fail to address consumer disputes adequately 2. Reinsertion of previously disputed and inaccurate information without sufficient explanation 3. Failure to properly notify consumers about the results of investigations These practices, as described by the CFPB, highlight significant concerns about the integrity of credit reporting agencies XXXX XXXX XXXX ; processes and consumer protections. Given these allegations, I am concerned that my dispute may not be handled in a manner that adheres to the legal standards set forth by the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX regarding a false debt collection. I cancelled my auto insurance policy ( Policy # : XXXX ) effective XX/XX/XXXX, and received a final bill of {$640.00}. I paid this amount in full on XX/XX/XXXX, as confirmed by my bank statement. 

Despite this timely payment, I was contacted by Caine & Weiner Collections on XX/XX/XXXX, demanding payment for the same amount $ XXXXwhich had already been paid months earlier. This account should not have been sent to collections, and the debt is invalid. 

I have attached : A copy of the cancellation notice dated XX/XX/XXXX The final bill from XXXX Proof of payment from my bank statement The collections notice from Caine & Weiner Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: BARCLAYS BANK DELAWARE
State: OK

Complaint narrative:
I am formally disputing the hard inquiry listed on my credit report by BRCLYSBANKDE on XX/XX/year>, which appears on my XXXX. 

I did NOT authorize BRCLYSBANKDE or any affiliated entity to perform a hard inquiry on my credit. Under the Fair Credit Reporting Act ( FCRA ) 604 ( a ) ( 3 ) and Fair and Accurate Credit Transactions Act ( FACTA ), a hard inquiry must be backed by permissible purpose and documented written consent. I am requesting that proof of this authorization be provided immediately.

If no such documentation existswhich I am confident it does notyou are in violation of federal law by continuing to report this inquiry. You are legally obligated to remove any unverifiable or unauthorized information from my credit report within 30 days, per FCRA 611.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
After filing my last complaint, I was contacted by a representative named " XXXX, '' who claimed to have reviewed a years worth of phone calls and found no evidence that I requested to have Overdraft Protection turned off. 

I had made this request multiple timesin person at a branch, in online chat, and over the phone. I was told I could turn it off through the website, which I did. Despite this, Wells Fargo continued processing debit card transactions when my account lacked sufficient funds. 

I was later told there was another internal layer of Overdraft Protection that only Wells Fargo employees could disable. This was never made clear to me until recently, after incurring multiple overdraft fees. 

XXXX refused to refund these fees, citing a separate reversal in XXXX. That reversal was due to a delayed refund for an unauthorized charge, and I was assured at the time that I would not be penalized for it. Oddly, that refund just appeared in my account last week, months after the fact. 

XX/XX/XXXX REVERSAL OF OVERDRAFT FEE XXXX ON XX/XX/XXXX {$26.00} RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$35.00} This is part of a broader pattern : Ive received refund checks years after unexpected charges, often without explanation. Wells Fargo keeps playing games with my account, and I need it to stop. 

When I expressed frustration, XXXX told me that any future complaints would just come back to her, implying I shouldnt bother escalating the issue. I worry that filing this complaint will lead to retaliation against my account. 

Wells Fargos behavior feels increasingly predatory. The process is intentionally obscure, and their customer service reps are either misinformed or deliberately evasive. I would close my account if I had better banking options in my area. Someone needs to intervene.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Andreu, Palma & Andreu, PL
State: FL

Complaint narrative:
I have been trying to settle a credit card judgment account currently handled by the law firm Andreu , Palma , Lavin & Solis , PLLC. I contacted their office by email in XX/XX/year> to initiate settlement discussions and provided full verification of my identity ( last four of SSN and date of birth ). I offered a lump-sum settlement in good faith. 

Despite acknowledging receipt of my email and confirming my identity, the firm has repeatedly refused to communicate in writing regarding the account. I have clearly and formally requested that all communications be conducted in writing onlyeither via email or U.S. mail. This request is being made to maintain documentation of all discussions, which is my right under the Fair Debt Collection Practices Act ( FDCPA ). 

The firm has responded several times stating that they cant talk with this client via email and insists I call or accept a callback. I do not consent to phone communication and have reiterated that I am willing to resolve the matter in writing. They have not provided an alternate representative, a direct email, or offered to communicate via U.S. mail. 

I am not disputing the debt itself. I am requesting that the firm comply with my lawful request to communicate in writing, and provide written terms if they are willing to settle the account. Their refusal to accommodate this basic and reasonable request is obstructing resolution and may violate the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX charged off my checking account and it is showing on my credit report. This should not be going against my credit.

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