vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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:
Trying buy a house this on my credit report according to to the 15 report U.S.C 1681 there should be no damages on my report this is a defamation of my character the FCRA to have a original creditors of documentation on file to verify that this information is mine and is correct. It has been over 30 days and by law this should be deleted off my all three of my credit reports.

I am herby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 

Again let me repeat, you have not provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1of the C ) A ) ( a consumer contract with my signature on it. As, you know, under Section 611 ( 5 ) ( A ) you are required to " ... promptly DELETE all information which can not be verified or sold to a third party. 
The law is very clear as to the civil liability and the remedy available to me " negligent noncompliance " ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. 

Demand the following account to be deleted immediately Account Account Resolution XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thanks, 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 non-monetary relief
Consumer complaint received 2025-11-13 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:
Trying buy a house this on my credit report according to to the 15 report U.S.C 1681 there should be no damages on my report this is a defamation of my character the FCRA to have a original creditors of documentation on file to verify that this information is mine and is correct. It has been over 30 days and by law this should be deleted off my all three of my credit reports.

I am herby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 

Again let me repeat, you have not provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1of the C ) A ) ( a consumer contract with my signature on it. As, you know, under Section 611 ( 5 ) ( A ) you are required to " ... promptly DELETE all information which can not be verified or sold to a third party. 
The law is very clear as to the civil liability and the remedy available to me " negligent noncompliance " ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. 

Demand the following account to be deleted immediately Account Account Resolution XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I do not own this account, and it is showing up on my report incorrectly.

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 2025-11-13 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: FL

Complaint narrative:
I do not own this account, and it is showing up on my report incorrectly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I've requested multiple letters to validate the debt by sending me information on the debt such as a wet ink signature confirming that it is mine.The company keeps sending me the same response in the mail even though I've been asking for different documents to verify the debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I was shocked to discover that my credit report has been improperly accessed. Applications were made in my name, and these companies pulled my credit report without my consent or authorization. I neither recognize these fraudulent inquiries nor applied to these companies. This blatant misuse of my personal information is both distressing and insulting, and it violates my rights as a consumer and a law-abiding citizen.

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 2025-11-13 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: NY

Complaint narrative:
On multiple occasions i requested for certain accounts to be removed due to identity theft an the data breach and they got removed an came back on i submitted written verification an dispute request under FCRA requesting proof and confirmation and verification and still nothing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: NY

Complaint narrative:
On multiple occasions i requested for certain accounts to be removed due to identity theft an the data breach and they got removed an came back on i submitted written verification an dispute request under FCRA requesting proof and confirmation and verification and still nothing

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 2025-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
My Identity was stolen from a potential seller of a home I was interested in on XX/XX/XXXX. I mistakenly left my DL, SSN and other articles rushing to get to my next place of business for the day. It took the thief 1 week before it was returned. The line of credit in question was opened XXXX of that year. On XXXX XXXX XXXX I disputed this credit card as it was not mine. XX/XX/XXXX a mortgage office notified me that upon my request of searching all databases of courts where I have lived found a pending lawsuit against me rom XXXX  XXXX XXXX by way using Scott & Associates. The firm has not filed this suit properly or notified me! Scott & Associates is in violation of FBCPA standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: KS

Complaint narrative:
XXXX XXXX XXXX was removed from my friend 's XXXX.and said it went to my cash app.i didn't make this transaction and it was taken from her XXXX  on her transaction and said it went to my cash app.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: PA

Complaint narrative:
Although the account has been paid in full, late payment remarks are still appearing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: NJ

Complaint narrative:
XXXX XXXX  initiated a hard inquiry without my consent on XXXX. It appears in the Experian database.

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 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
In XX/XX/XXXX, my Wells Fargo accounts ( checking and savings ) were compromised in a fraud incident after I received a phone call from someone claiming to be a Wells Fargo representative. Funds were withdrawn from my accounts, and a fraudulent cash advance was made on my credit card ending in XXXX. 

Wells Fargo closed the affected accounts due to the fraud. However, I recently discovered that the fraudulent balance and interest charges were transferred to my new Wells Fargo account, which I never authorized. Despite repeated calls to Wells Fargo over the past two weeks, I have received no information regarding this matter. They keep ending the call. Cash advance amount {$3400.00}. 
fraud ID given by wells fargo XXXX. They said they would look into it, but never sent me an email or confirmation number for the claim told me to call back in a few days. I've been calling since XX/XX/XXXX, and they have been transferring me to different departments, then eventually they hang up. As a direct result of Wells Fargo transferring the fraudulent balances to my new account and failing to reverse accrued interest, my credit utilization on my credit card increased to nearly 100 %. Additionally, my available credit limit was reduced from {$11000.00} to {$4800.00}, further damaging my credit score and preventing me from using the card responsibly. I request that Wells Fargo restore or increase my credit limit appropriately once the fraudulent balances and interest are removed, in order to mitigate the harm this mishandling has caused to my credit profile.

The ongoing interest charges, unresolved fraudulent balances, and credit damage have caused significant stress, financial hardship, and time lost attempting to resolve this issue.

And to add the total interest charged on my account is incorrect due this this incident. Interest is based on the total amount, and because of the cash advance, the interest was higher.

Timeline * XX/XX/XXXX : Fraud occurs and accounts are compromised. 
* XX/XX/XXXX : Wells Fargo closes the affected account ( s ). 
* XX/XX/XXXX : Ongoing calls to Wells Fargo regarding reversal of fraudulent charges and interest. 
* XXXX : Fraudulent balance and interest appear on my current account. 
I no longer have the old account number ( s ), but the fraud occurred on my accounts in XX/XX/XXXX. Wells Fargo should be able to locate the case using my customer profile and the date of the fraud.

Thank you for reviewing my complaint. I request that the CFPB forward this matter to Wells Fargo for investigation and resolution.

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 monetary relief
Consumer complaint received 2025-11-13 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-13 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:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

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 2025-11-13 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: NC

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

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 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: PA

Complaint narrative:
I went to transfer money into my account I had with Chime, as I was using their service for my daily account to use as my daily debit account, and to get cash out weekly to give to my wife for bills and other expenses. I used this account mainly due to the higher daily withdrawal limit than what my other bank accounts had. But to my surprise, the transfer was denied, and the reason stated was the account is being closed. This is the first I was hearing about this, which is not very customer oriented, or professional in my opinion. After finding this out, I decided to call customer service and find out what this is about. The agent that I spoke with told me that he would look into why the account is being closed, after confirming that I was not the one who closed the account. After quickly putting me on hold, he came back and said unfortunately he can not tell me why the account is being closed, but he is not able to stop it from being closed or reverse the closure. So that was a waste of 20 minutes. Only after that call did I get an alert on my app stating that the account was being closed, it says to check my email for further details. Firstly, I would think I should have found this out via email before finding out the way I did. Secondly, I still have yet to get an email. After reading back over the agreement and everything regarding the account, and the reasons given that could result in account closure, I have not done anything remotely close to those things. And if that is the reason for them to close the account, for them to accuse a customer of anything without even first contacting them, is out of line. Up to this point, I have enjoyed chime, and have had nothing but good things to say to family and friends about their services. I decided to make a post on their XXXX, asking if anyone else had similar experiences, and an alarming amount of people seem to have been through the same thing recently. My post was then locked after gaining traction, which is also a very shady action taken by chime. I do not think this is how a customer should be treated, and definitely not a good business practice. I would love to hear from somebody who can actually tell me what theyre accusing me of and why they are actually closing my account because this is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: NY

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
Trying buy a house this on my credit report according to to the 15 report U.S.C 1681 there should be no damages on my report this is a defamation of my character the FCRA to have a original creditors of documentation on file to verify that this information is mine and is correct. It has been over 30 days and by law this should be deleted off my all three of my credit reports.

I am herby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

Again let me repeat, you have not provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1of the C ) A ) ( a consumer contract with my signature on it. As, you know, under Section 611 ( 5 ) ( A ) you are required to " ... promptly DELETE all information which can not be verified or sold to a third party.

The law is very clear as to the civil liability and the remedy available to me " negligent noncompliance " ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA.

Demand the following account to be deleted immediately Account Account Resolution XXXX XXXX XXXX XXXX XXXX LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
i dont recognize the inquiries under my name on some accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 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 2025-11-13 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 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