vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 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 did not open this account. This is identity theft I am sorry. Remove account immediately. I did not open these accounts.

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 2025-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: AZ

Complaint narrative:
I'm having an issue with a service that I filed a dispute with. I asked to speak with the dispute team. They said no, that's not possible. This was on According to the CFPB order against Cash app, they were supposed to set up a line with the express purpose of allowing users to have transparency in the dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have noticed that there is a fraud account from XXXX XXXX, which does not belong to me. I reported about that to XXXX XXXX  yet XXXX XXXX  is not removing this fraudulent account. XXXX XXXX  has no right to refuse to remove this fraudulent account because I am a victim of identity theft, and I have filed a valid police report. 
According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX  has refused to do this. 
The following is the fraudulent account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX /Date opened XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have noticed that there is a fraud account from XXXX XXXX, which does not belong to me. I reported about that to XXXX XXXX  yet XXXX XXXX  is not removing this fraudulent account. XXXX XXXX  has no right to refuse to remove this fraudulent account because I am a victim of identity theft, and I have filed a valid police report. 
According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX  has refused to do this. 
The following is the fraudulent account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX /Date opened 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 2025-05-14 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-14 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: NC

Complaint narrative:
XX/XX/XXXX RE : Formal Dispute of Inaccurate Collection Accounts and Unauthorized Hard Inquiries FCRA VIOLATIONS To Whom It May Concern : This letter is a formal dispute under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). I demand an immediate investigation and deletion of the following accounts and inquiries, which are being reported inaccurately and without validation : Disputed Collection Accounts : XXXX XXXX XXXX Account # : XXXX Balance : {$1600.00} Last Reported : XX/XX/XXXX XXXX XXXX, XXXX Account # : XXXX Balance : {$4800.00} Last Reported : XX/XX/XXXX XXXX XXXX XXXX Balance : {$610.00} Account # : XXXX * * Last Reported : XX/XX/XXXX Disputed Hard Inquiries ( Unauthorized ) : XXXX XXXX XXXX Date : XX/XX/XXXX Industry : Auto Financing Phone : ( XXXX ) XXXXXXXX XXXX XXXX Date : XX/XX/XXXX Industry : Auto Financing Phone : ( XXXX ) XXXX These accounts and inquiries were not authorized and do not belong to me. Under FCRA Sections 609, 611, 623, and 604, I have the right to request validation of each account and proof of permissible purpose for every inquiry. I have requested signed contracts and verification of account ownership, and have received no such documentation. Reporting unverifiable and unauthorized data is unlawful.

These errors are significantly impacting my ability to maintain housing, purchase a vehicle, and live a stable personal and financial life.

Demand : Remove the above-referenced collection accounts and hard inquiries from my credit report within 15 days.

Provide written confirmation of these deletions and details of your investigation.

If you fail to comply, I will escalate this to the CFPB, FTC, and Attorney General, and I am prepared to pursue legal action under 15 U.S.C. 1681n and 1681o.

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 2025-05-14 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is a formal follow-up regarding previous disputes submitted concerning several inaccurate and unverified negative items currently reported on my credit file. These accounts were recently deleted in full by XXXX after their investigation found them to be invalid, inaccurate, or unverifiable.

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 2025-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Issue Type : Bank account or service Product : Checking or savings account Sub-product : Checking account Company : Wells Fargo Bank , N.A . 
What happened : I am submitting this complaint regarding Wells Fargos mishandling of a fraud claim ( Case # XXXX ) and their continued failure to provide adequate communication, resolution, and customer protection. 

Over a month ago, {$5100.00} was fraudulently withdrawn from my account. Despite promptly reporting the incident and following the banks procedures, Wells Fargo has failed to provide a provisional credit or any written resolution. I have incurred credit card debt and interest as a result of being without access to these stolen funds. 

Additionally, Wells Fargo representatives repeatedly violated my explicit directive to only communicate via email. I have documented multiple unauthorized phone calls from individuals claiming to represent their executive team, despite my clear withdrawal of phone consent. 

I was told on XX/XX/XXXX by a XXXX XXXX XXXXXXXX that I would receive an email with a case managers information within XXXX hours. That never happened. On XX/XX/XXXX, I received a voicemail stating a resolution XXXX come by XX/XX/XXXX, but no email was provided. 

I have asked multiple times for : Written confirmation of reimbursement for the {$5100.00} in fraudulent charges Compensation for interest and lost wages ( currently {$800.00} and rising ) A written explanation of why proper fraud protocols were not followed This situation has caused severe financial and emotional harm, and Wells Fargo has acted with continued negligence. I am requesting that the CFPB assist in ensuring Wells Fargo resolves this matter and provides a full written response and reimbursement to make me whole. 

Requested Resolution : Full reimbursement of {$5100.00}, compensation for related financial harm ( interest and lost wages ), and a written explanation of why the case was mishandled and standard protocols were not followed.

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 2025-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BMO BANK NATIONAL ASSOCIATION
State: OH

Complaint narrative:
BMO Bank ( XXXX ) allowed an identity thief to open an account under my name. When contacting the bank to close the account as it is proven to be fraudulent, I instead get sent to the collection agency the fraud debt was sold to. The collection agency agrees fraud was committed and are no longer reporting the collections, yet have no control over the Bank still showing the account. The Bank has refused to take action and work on my behalf and has had poor customer service throughout the process. Although they allowed a fraud account to be opened, they take no responsibility nor aid in resolving the issue.

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 2025-05-14 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-14 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: HI

Complaint narrative:
Im writing to dispute an inaccurate late payment being reported on my account. Under 15 U.S. Code 1666B, this is considered a billing error. I have always paid this account on time and as agreed, and this negative reporting is flat-out wrong. Not only is this an errorits a violation of my consumer rights under federal law. This late mark should have never been reported in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX a letter from Citibank was mailed stating my credit line was lowered from {$18000.00} to {$4000.00} based on information in my credit report obtained from XXXX XXXX XXXX XXXX. The derogatory credit information that resulted in my credit line reduction was a result of my daughter 's failure to pay her student loans in a timely manner for which I as her father am the guarantor. I immediately filed a dispute of this derogatory credit information online which required a XXXX waiting period for the credit reporting agency to respond to my dispute. Once the dispute was completed, on XX/XX/XXXX, I pulled my report from the same agency, XXXX XXXXXXXX XXXX XXXX and have attached said report which shows my daughter 's student loan accounts are " Paid As Agreed '' ( see page XXXX of XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ) and my XXXX XXXX is XXXX. Also, on XX/XX/XXXX Citibank generated and I received in the XXXX Mail today, XX/XX/XXXX my monthly statement. It included additional notifications stating my Interest Rate will be increasing dramatically based on the erroneous XXXX XXXX of XXXX obtained from XXXX XXXXXXXX XXXX XXXX ( see page XXXX of Citibank XXXX XXXX statement XXXX ). 

Today, XX/XX/XXXX I called Citibank Customer Service to have my credit line reinstated, I spoke with XXXX, XXXX and finally escalated to XXXX a XXXX  XXXX located in their XXXX XXXX  XXXX. All XXXX refused to consider reinstatement because of their XXXX response policy and my request was initiated on the XXXX day. 

While speaking with XXXX, he suggested requesting a credit line increase today, I agreed and the increase was denied based in information obtained not by XXXX but by a different agency called XXXX. This use of a credit reporting agency for the credit line increase that is different from the agency used to reduce my credit line back on XX/XX/XXXX is improper and unethical. 

I am demanding that my {$18000.00} credit line and rate of interest be reinstated. 
The attachments reveal that at the time my credit line increase was requested, my XXXX XXXX from XXXX was XXXX, much higher than what Citibank obtained from XXXX 

Respectfully, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mobile

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 2025-05-14 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: HI

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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 non-monetary relief
Consumer complaint received 2025-05-14 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: HI

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my account ending in XXXX that are inaccurate and not properly verified. I have directly disputed this with the credit bureaus and the furnisher, but the late payments remain without proper validation or documentation. Under 15 USC 1681 S2, a furnisher must report accurate information, and under 15 USC 1681i, the credit bureaus must perform a reasonable investigation within 30 days. Neither of them has provided sufficient evidence to support the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I recently reviewed my credit report and was shocked to find a hard inquiry that I did not authorize. This inquiry was done onlinewithout my knowledge or consentand it is completely fraudulent. I want to be absolutely clear : I did not initiate this, I did not approve it, and I had no part in this inquiry being made. It should have never appeared on my report in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Torres Credit Services, Inc.
State: CA

Complaint narrative:
Remove this trade line. This is identity theft I do not recognize this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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:
Subject : Request for Removal of Unauthorized Hard Inquiries from My Credit Report To Whom It May Concern, My name is XXXX XXXX XXXX XXXX, a resident of the XXXX XXXX XXXX. I am submitting this formal complaint regarding several unauthorized hard inquiries that appear on my credit reports from Experian, Equifax, and TransUnion, dated XX/XX/XXXX. 

According to the Fair Credit Reporting Act ( FCRA ), specifically under Section 604 ( 15 U.S.C. 1681b ), a company must obtain my explicit written or verbal permission before accessing my credit file for lending or financing purposes. I have not authorized any of the following inquiries listed below, nor have I initiated any related credit applications. 



Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I respectfully request that these inquiries be investigated and that documented evidence of my authorization be provided. If such evidence can not be produced, I request the immediate removal of these inquiries from my credit reports in compliance with the law. 

Please find attached the annotated copies of my credit reports where I have marked the disputed inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Request for Removal of Unauthorized Hard Inquiries from My Credit Report To Whom It May Concern, My name is XXXX XXXX XXXX XXXX, a resident of the XXXX XXXX XXXX. I am submitting this formal complaint regarding several unauthorized hard inquiries that appear on my credit reports from Experian, Equifax, and TransUnion, dated XX/XX/XXXX. 

According to the Fair Credit Reporting Act ( FCRA ), specifically under Section 604 ( 15 U.S.C. 1681b ), a company must obtain my explicit written or verbal permission before accessing my credit file for lending or financing purposes. I have not authorized any of the following inquiries listed below, nor have I initiated any related credit applications. 



Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I respectfully request that these inquiries be investigated and that documented evidence of my authorization be provided. If such evidence can not be produced, I request the immediate removal of these inquiries from my credit reports in compliance with the law. 

Please find attached the annotated copies of my credit reports where I have marked the disputed inquiries.

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