vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX Phone : XXXX Date : XXXX XXXX Re : Unauthorized Hard Inquiries Request for Investigation Under FCRA 604, 606, 609 & 611 To Whom It May Concern, I am filing a complaint regarding several unauthorized hard inquiries that appear on my Experian credit report. I did not grant permission, initiate applications, or authorize these companies to obtain my consumer report on the dates shown. 

The inquiries in question are : XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXXXX/XX/year> XXXX / XXXX XXXX XX/XX/year> Under FCRA 604 ( a ), a consumer reporting agency may only furnish my credit file when a company has a permissible purpose AND when the consumer has provided clear authorization.

I have never provided these companies with written, electronic, or verbal authorization to access my credit report on or near the dates listed.

Under FCRA 609 ( a ) ( 1 ), I am requesting complete verification of each inquiry, including : Documentation of the application or authorization supposedly used The exact permissible purpose claimed The identity of the party who requested the report The method of verification provided to Experian Under FCRA 611, if ANY furnisher can not provide the required documentation, the inquiry must be removed immediately.

At this time, none of these companies have provided proof I authorized the inquiries. If the furnishers can not produce legally acceptable documents proving permissible purpose, I am requesting the CFPB to compel their compliance and require deletion of every unverified inquiry.

I have attached : A copy of my Experian report showing the inquiries My identity documents My prior dispute submissions Screenshots showing I did not apply for credit with these companies I am requesting a full CFPB investigation into these unauthorized inquiries and the lack of proper verification.

Thank you for your assistance. 
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 2025-11-21 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: TX

Complaint narrative:
Please investigate the following account ( s ), as the information listed is inaccurate, unverifiable, outdated, or incomplete. I request that these items be permanently deleted from my credit file if they can not be verified or corrected promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/scrub> 2025, I received an advertising email from XXXX XXXX { AmEx } offering a CD for XX/XX/XXXX months for up to 4.99 % interest. I was interested and replied to this email. I filled out a form to request a CD account. In this form, I disclosed my SSN, driver 's license, and Bank information from where the money should come from. Next, I received phone calls from XXXX XXXX and was asked if I had received the forms and had sent them back. On XX/XX/scrub> 2025, I called the AMEX XXXX department and asked if they had an XXXX XXXX in the OnlineCD department. And if there where a CD account under my name. The answers were negative. I was advised to inform Government entities, Credit Bureaus, my Bank, and SSA.I have not transferred any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
Tried to dispute credit inquiries that I did not create and were denied

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: OH

Complaint narrative:
I am submitting this complaint because I am a documented victim of identity theft, and the credit bureau has failed to fulfill its legal obligation to investigate and remove fraudulent information from my credit file.

Over 55 days ago, I submitted a formal dispute regarding multiple accounts that do not belong to me. Along with that dispute, I included my FTC Identity Theft Report, supporting documentation, and a written statement confirming I was a victim of identity theft. Despite providing all required information, I have not received any response, investigation results, or debt validation for these fraudulent accounts.

Under the Fair Credit Reporting Act ( FCRA ), an investigation and response must be completed within 30 days. The bureaus failure to respond within the required timeframe is a direct violation of Section 611 ( a ). Because they did not investigate or validate the debts, these items must be removed immediately.

I am requesting that the CFPB intervene to ensure the prompt deletion of all inaccurate and fraudulent accounts, inquiries, and related information that are not mine and were added as a result of identity theft. Their continued reporting is causing significant harm to my creditworthiness and financial stability.

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 2025-11-21 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:
I am submitting this complaint because I am a documented victim of identity theft, and the credit bureau has failed to fulfill its legal obligation to investigate and remove fraudulent information from my credit file.

Over 55 days ago, I submitted a formal dispute regarding multiple accounts that do not belong to me. Along with that dispute, I included my FTC Identity Theft Report, supporting documentation, and a written statement confirming I was a victim of identity theft. Despite providing all required information, I have not received any response, investigation results, or debt validation for these fraudulent accounts.

Under the Fair Credit Reporting Act ( FCRA ), an investigation and response must be completed within 30 days. The bureaus failure to respond within the required timeframe is a direct violation of Section 611 ( a ). Because they did not investigate or validate the debts, these items must be removed immediately.

I am requesting that the CFPB intervene to ensure the prompt deletion of all inaccurate and fraudulent accounts, inquiries, and related information that are not mine and were added as a result of identity theft. Their continued reporting is causing significant harm to my creditworthiness and financial stability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: CA

Complaint narrative:
Formal Complaint Against Wells Fargo Executive Office employee XXXXXXXX XXXX 

I am compelled to submit a formal complaint regarding the deliberate and obstructive mishandling of my account by Wells Fargo, orchestrated by XXXXXXXX XXXX My account, which Wells Fargo ( XXXX XXXX. ) confirmed would be closed in retaliation on XX/XX/XXXX, remains open in a negative balance, suspended indefinitely by a purported fraud hold that is fabricated and wielded as a tool of further retaliation. 

XXXX XXXX, who was assigned to oversee complaints I had previously raised against her, has exploited her authority vindictively marking my account as fraud. More so, rather than allowing closure of my account or facilitating resolution, she has further left it in limbo, actively prolonging financial harm. Her conduct represents a clear abuse of power, a calculated effort to punish rather than resolve, and a direct obstruction of my rights as a customer. 

The dispute at the center of this matter involves funds rightfully owed to me. The merchants head office explicitly instructed me to contact the merchant directly to recover the funds. Despite repeated, diligent attempts, the merchant failed to respond. Wells Fargo, under XXXXXXXX XXXX.s supervision, has refused to perform any due diligence of my claim or assist in recovering these funds, allowing XXXX XXXX to exploit internal processes to obstruct and frustrate my legitimate claims. 

This conduct mirrors Wells Fargos long-standing patterns of systemic misconduct : the XXXX unauthorized accounts scandal, the XXXX mortgage rate-lock fee debacle, repeated misuse of internal fraud holds to retaliate against customers, and the XXXX CFPB enforcement action in which over a XXXX accounts were frozen without proof of fraud. My experience reproduces these failings : fraudulent account holds, denial of legitimate claims, obstruction of account closure, and institutional prioritization of employee protection over accountability. 

XXXXXXXX XXXX. 's continued inaction has left me financially harmed, blocked the fraudulent closure of my account as of XX/XX/XXXX, and exposed me to ongoing retaliatory measures. Immediate executive intervention is required to recover the funds owed to me, clear the negative balance, and ensure the account is closed without obstruction. 

XXXXXXXX XXXX.s orchestration of this prolonged and punitive process, her deliberate delays, and her manipulation of internal procedures render her a central agent of injustice in this matter. I demand that Wells Fargo address her conduct decisively and remediate the harm she has caused to uphold customer rights and restore institutional integrity.

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 2025-11-21 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: CA

Complaint narrative:
I am submitting this follow-up regarding a dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 

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 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 Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: CA

Complaint narrative:
I am submitting this follow-up regarding a dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 

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 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 Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing.

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 2025-11-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
Paste exactly as written : I recently discovered that the collection agency Wakefield & Associates , Inc. reported two alleged medical debts on my XXXX  credit file without ever notifying me in any way. The reported amounts are {$1700.00} ( original creditor : XXXX XXXX XXXX ) and {$950.00} ( original creditor : XXXX XXXX  ). Both accounts display the same agency reference number ( XXXX ) and the same Wakefield contact information ( phone number XXXX, XXXX, TN XXXX ). 

I want to emphasize that I was never informed about these debts before they appeared on my credit report. I did not receive a phone call, mailed letter, email, or any form of communication from Wakefield & Associates. I was never provided with the legally required Notice of Debt, nor was I given the 30-day timeframe to request validation, as stated in the FDCPA.

Because I was never notified, I had no opportunity to understand, verify, dispute, or resolve these alleged medical balances. I still have no clear explanation of : who exactly is charging me, why these specific amounts were assigned, whether these debts are valid or accurate, and what service dates or documentation support these charges.

I attempted to obtain more information, but the agency has not responded to any inquiry. As of today, I remain completely uninformed about the origin, details, or legitimacy of these accounts.

The most severe impact is that these accounts were reported only to XXXX, causing an immediate and significant drop in my credit score. My score went from a solid XXXX to XXXX, a devastating XXXXpoint decline in a single day. This has placed me in a very difficult financial position and has already affected my ability to qualify for financing. I have already filed a dispute with XXXX, but I have not yet received a response. 

These are medical debts, and I believe the manner in which they were reported violates both the FDCPA and the FCRA due to the complete lack of prior notice, failure to provide validation rights, and the abrupt reporting that caused substantial harm to my credit standing. 

I respectfully request a full investigation into Wakefield & Associates reporting practices, and I ask that these medical collection accounts be removed from my credit file if the agency can not provide proof that they notified me and granted my legal rights before reporting this information. 

Thank you for your attention and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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:
I am submitting this follow-up complaint regarding the continued reporting of inaccurate information on my credit reports from Experian, Equifax, and TransUnion, despite my previous disputes and requests for correction or removal. My addresses continue to be incorrectly reported as 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, violating FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) ). Accounts are still inaccurately reported as late closed, including XXXX  XXXX ( Experian, Equifax, TransUnion ), XXXX XXXX ( Experian, Equifax, TransUnion ), and XXXX XXXX XXXX XXXX ( Experian, Equifax, TransUnion ), and charge-offs remain unverifiable, such as XXXX XXXXXXXX ( Experian, Equifax, TransUnion ) XXXX in violation of FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 605B / 1681c-2. Unauthorized or inaccurate inquiries, including EXPERIAN XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX across all three bureaus, continue to appear without permissible purpose, violating FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ) ). These inaccuracies have persisted despite my prior disputes, causing ongoing financial harm, misrepresenting my creditworthiness, and negatively impacting my ability to access credit and financial services fairly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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:
I am submitting this follow-up complaint regarding the continued reporting of inaccurate information on my credit reports from Experian, Equifax, and TransUnion, despite my previous disputes and requests for correction or removal. My addresses continue to be incorrectly reported as 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, violating FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) ). Accounts are still inaccurately reported as late closed, including XXXX  XXXX ( Experian, Equifax, TransUnion ), XXXX XXXX ( Experian, Equifax, TransUnion ), and XXXX XXXX XXXX XXXX ( Experian, Equifax, TransUnion ), and charge-offs remain unverifiable, such as XXXX XXXXXXXX ( Experian, Equifax, TransUnion ) XXXX in violation of FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 605B / 1681c-2. Unauthorized or inaccurate inquiries, including EXPERIAN XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX across all three bureaus, continue to appear without permissible purpose, violating FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ) ). These inaccuracies have persisted despite my prior disputes, causing ongoing financial harm, misrepresenting my creditworthiness, and negatively impacting my ability to access credit and financial services fairly.

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 2025-11-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CrossCountry Mortgage LLC
State: TX

Complaint narrative:
I applied for a forbearance inXXXX as I was waiting on my insurance to give me a check for repairs after XXXX XXXX. 

The forbearance was approved and was told by XXXX from Cross Country mortgage they would send docs In XX/XX/XXXX I was XXXX XXXX  and XXXX. I then went into the XXXX  and was released. 


I reached out to Cross country mortgage and informed them of the shooting and had not received the forbearance forms. 

I then called Cross country mortgage and found out XXXX never completed the forbearance docs.XXXX had never submitted the request for a forbearance but lied and told me she did. 

When asked to provide me the confirmation that the request was submitted via email The company declined. 
The company then states they will do the forbearance again I have a difficult time trusting these statements please assist me in resolving this matter. as I was promised by this company that they would complete the forbearance.

Company response to consumer: Closed with explanation