vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 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: GA

Complaint narrative:
I am filing a complaint regarding a disputed charge of {$190.00} on my Wells Fargo checking account that was mishandled by the bank. 

On XX/XX/XXXX, I contacted the company XXXX via email to request a refund for a product that was not compatible with my vehicle. I also informed them that the return portal on their website was broken. The owner of the company responded on the same day, stating he would provide a full refund once I returned the merchandise to an address he would provide, along with an XXXX number. 

He never followed up. On XX/XX/XXXX, I emailed again to ask for the return address and XXXX. He did not respond. 

On XX/XX/XXXX, I filed a dispute with Wells Fargo, explaining the situation. Wells Fargo issued a provisional credit and never contacted me again about the status of the dispute. On XX/XX/XXXX, nearly XXXX months later, they removed the {$190.00} credit, stating that the merchants bank claimed I never requested a refund which is completely false as proven by the documentation. 

Wells Fargo never contacted me to ask for supporting documentation, even though I had clear written evidence from the seller offering a full refund. I reached out to Wells Fargo immediately after the reversal, and was told by their dispute team that the case had been closed and that they could not take any further action or reopen the investigation, even after I offered to provide the emails. They were completely unwilling to assist, escalate, or re-review the decision. 


I am requesting that this case be formally re-investigated and that Wells Fargo be required to consider the documentation I offered to submit. I can provide all relevant email communications with the seller, proving that I requested a refund and the seller failed to follow through.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TekCollect Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX IS XXXX AS OF XXXX. I WAS PAYING THROUGH MY CREDIT CARD, TO THEIR FINANCE COMPANY, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX ( XXXX ) I CEASED PAYMENTS THROUGH MY CREDIT CARD AS OF THAT DATE, AND WAS ABSOLVED BY THE CREDIT CARD COMPANY OF ANY FURTHER OBLIGATION AS OF ( APPROX ) XX/XX/XXXX, AFTER SUBMITTING MOUNTAINS OF INFORMATION TO MY ADVANTAGE REGARDING THE XXXX 
XXXX XXXX XXXX HAS SENT ME TO COLLECTIONS AS OF XXXX, EFFECTIVELY RUINING MY CREDIT. I HAVE ASKED FOR A " SIGNED CONTRACT '' PROVING ANY LEGALITY, BUT XXXX XXXX SENT AN " A. I. '' GENERATED PAPER. 
I HAVE NEVER BEEN OFFERED ANY RESOLUTION OR OPTION TO CONTINUE MY DENTAL TREATMENT FROM ANYONE, AS THIS WAS A LIFETIME GUARANTEE. 
I REFUSE TO CONTINUE TO PAY FOR GOODS AND SERVICES NOT RECEIVED. 
XXXX HAS BEEN CONTACTED XXXX  TIMES WITH VOLUMES OF INFORMATION TO ABSOLVE ME, TO NO AVAIL. THE COLLECTION AGENCY - TEK COLLECT IN XXXX OHIO ( XXXX ) WILL NOT REMOVE ME EITHER. SENATE BILL XXXX ENACTED ON XXXX STATES " MEDICAL OR DENTAL CAN NOT BE REPORTED TO ANY CREDIT REPORTING AGENCY ''. BUT THEY DON'T CARE. 
I ALSO AM XXXX XXXX XXXX AND FEEL I AM BEING TAKEN ADVANTAGE OF AND EXPLOITED AS A SENIOR CITIZEN FINANCIALLY. I DESPERATELY NEED ASSISTANCE, AND DO NOT QUALIFY FOR FREE LEGAL. I NEED THIS TAKEN OFF MY CREDIT, AS ANY CITIZEN SHOULD NOT HAVE TO PAY FOR A XXXX COMPANY 'S PROBLEMS. I IMPLORE YOU TO TAKE A LOOK AT THIS AND HELP IN ANY WAY POSSIBLE. THANK YOU - XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is to dispute the reporting of a fraudulent account under my credit history. I have no knowledge of this account and never authorized its creation. Its reporting is false and unjustly harms my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: NY

Complaint narrative:
I am writing to request unauthorized credit inquiries on my TRANSUNION Credit Report. My latest credit report shows XXXX credit inquiries that I did not authorize. 

I am writing to dispute the following inquiries and asking for their removal from my credit report. 

INQUIRY ACCOUNT NAME : XXXX BANK XXXX Please have these inquiries removed from my credit report, please update me with a full report on your finding within XXXX days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.

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 2025-08-29 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15. U. S. C. 
XXXX ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX OF XXXX Date : XXXXXXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX XXXX Date : XXXXXXXX XXXX XXXX Date : XXXXXXXX XXXX XXXX XXXX Date : XXXX XXXXXXXX XXXX Date : XXXXXXXX XXXX XXXXXXXX Date : XXXX XXXX XXXX XXXX XXXX Date : XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX, Balance : {$0.00XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX Opened XXXX XXXX, Balance : {$0.00} XXXX XXXX  BANK - Account Number : XXXX, Date Opened : XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$0.00} XXXX XXXXXXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$0.00} XXXX CARDXXXX BANK XXXX - Account Number : XXXX, Date Opened XXXX XXXX XXXX Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: FL

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which is a violation of FCRA 1681b. This XXXX be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : XXXX XXXX XX/XX/year> XXXX CARD XX/XX/year> XXXX CARD XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: CA

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 ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: CA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute the reporting of a fraudulent account under my name. I have no knowledge of this account, nor have I ever authorized or established it. Its inclusion on my credit file is false and detrimental to my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: CA

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 XXXX XXXX Account XXXX : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Fraudulent Account Dispute & Cease Communication Notice XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XX/XX/XXXX Ss # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX XXXX : XXXX XXXX ) XXXX Subject : Formal Dispute and Demand for Deletion of Fraudulent Account Account Number : # # # # # # XXXX Original Creditor : XXXX XXXX Amount Reported : {$310.00} To Whom It May Concern, I am contacting you regarding the above-referenced account, which is being reported under my name and Social Security number. This letter serves as formal notice that this account is fraudulent and the result of identity theft. I have never opened nor authorized any account with XXXX XXXX or XXXX XXXX XXXX XXXX. 

I previously submitted an FTC Identity Theft Report ( XXXX XXXX ) to the credit reporting agencies, and this account was included in that report. Pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ) and 15 U.S.C. 1692g ( FDCPA ), you are required to : 1. Cease all collection activity immediately. 
XXXX. Remove and permanently delete this account from any and all consumer reporting agencies. 
XXXX. Provide written confirmation that the account has been deleted and will not be sold or reassigned. 

Reporting or attempting to collect a debt you know or should know is fraudulent constitutes a violation of FDCPA 807 ( 15 U.S.C. 1692e ) and may result in legal action for damages under 15 U.S.C. 1692k. Furthermore, the continued furnishing of inaccurate information to consumer reporting agencies violates FCRA 623 ( 15 U.S.C. 1681s-2 ).

Please note the following : I have filed a report with the Federal Trade Commission and local law enforcement. 
I am also filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and my State Attorney Generals office for any non-compliance. 

Demand : Immediate removal of this fraudulent account from all credit reporting agencies.

Written confirmation within 10 business days that this account has been deleted and will not be sold or reassigned.

Failure to comply will result in legal action to enforce my rights under the FCRA and FDCPA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: NY

Complaint narrative:
XXXX XXXX actions have caused me : Higher monthly mortgage payments due to the forced escrow. 
Confusion and unnecessary financial burden. 
Loss of control over my own property tax and insurance payments. 
I have contacted XXXX XXXX multiple times by phone and explained that : I am willing to reimburse them if they provide proof of payment. 
They should refund or credit any duplicate payments once they receive reimbursement from the XXXX. 
An escrow account is unnecessary and creates undue expense. 
Despite these efforts, they continue to insist on maintaining an escrow account. 
I respectfully request that the CFPB ( or the appropriate state regulator ) : XXXX. Investigate XXXX XXXX actions and require them to provide proof of any payments allegedly made on my behalf. 
XXXX. Require XXXX XXXX to remove the unjustified escrow account from my loan. 
XXXX. Ensure that I remain responsible for paying taxes and insurance directly, as I have always done. 
According to my Closing Disclosure, Page XXXX, Escrow Account section, it is clearly stated that no escrow account was established at the time of closing. Both property taxes and homeowners insurance were designated as my responsibility to pay directly, not through an escrow account. 
Thank you for your assistance in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: LA

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXXXXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXX * * * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$690.00} XXXX XXXX XXXX XXXX OF L - Account Number : XXXX * * * * *, Date Opened : XX/XX/XXXX, Balance : {$540.00} XXXX XXXX - Account Number : XXXX * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: IL

Complaint narrative:
FCRA Section 605B ( 15 U.S.C. 1681c-2 ) addresses identity theft and requires consumer reporting agencies to block the reporting of information identified as resulting from an alleged identity theft within XXXX business days of receiving proof of identity, an identity theft report and a consumer statement. ( please remove this account before I seek litigation for defamation of character ) XXXX XXXXXXXX XXXX Balance {$10000.00}, XXXX XXXX {$2300.00}, XXXX XXXX {$150.00}, XXXX Banks XXXX XXXXXXXX Balance {$530.00}, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: GA

Complaint narrative:
I am filing this complaint against the XXXX major credit reporting agencies Experian, and Equifax for violating the Fair Credit Reporting Act ( FCRA ) by failing to maintain accurate, consistent, and verifiable information on my consumer credit reports. 
I have disputed multiple accounts directly with the CRAs, and the inaccuracies remain. These include, but are not limited to : XXXX. XXXX XXXX inconsistent open dates, payment history, and high credit reporting. 
XXXX. XXXX conflicting payment statuses ( XX/XX/year> days ) and high credit discrepancies. 
XXXX. XXXX XXXX XXXX XXXX XXXX ( {$0.00} vs {$7.00} ) and contradictory late/current statuses. 
XXXX. XXXX XXXX XXXXXXXX XXXX in high credit ( {$9700.00} vs {$12000.00} ) and late reporting ( XXXX vs 150 days ). 
XXXX. XXXX XXXX ( XXXX, Closed ) inconsistent late statuses and high credit reporting. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) contradictory comments ( charged off vs dispute resolved ) andconflicting payment histories. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) inconsistent lates and contradictory comments. 
XXXX. XXXX XXXX differing credit limits ( {$16000.00} vs {$0.00} ), high credit, and payment statuses ( charge-offvs XXXX ). 
These inaccuracies violate : - 15 U.S.C. 1681e ( b ) Duty to follow reasonable procedures to assure maximum possible accuracy.

- 15 U.S.C. 1681i Duty to conduct reinvestigation of disputed information.

- 15 U.S.C. 611 ( a ) ( 7 ) Right to receive the Method of Verification when an account is verified.

The inconsistent and contradictory reporting is materially damaging to my credit profile and financial opportunities.

I respectfully request that the CFPB : 1. Investigate the CRAs failure to report accurate information.

2. Compel deletion or correction of the disputed accounts.

3. Require the CRAs to provide the Method of Verification ( MOV ), including the name of the furnishersrepresentative contacted, the date, and the records reviewed.

Company response to consumer: Closed with non-monetary relief