vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Financed a XXXX XXXX XXXX XXXX XXXX XXXX  in XX/XX/XXXX at a 27.79 % interest rate with XXXX XXXX XXXX XXXX XXXX XXXX XXXX They have only supplied me with record of my payment history. I tried to pull my credit history and score in early XXXX and Equifax states there is no reporting from the company therefore XXXX credit history and no score. I have gone to the companys office and in my XX/XX/XXXX visit the employees noticed that they had not been reporting my payments and said they would. It is now end of XX/XX/XXXX and no reporting or confirmation has been given by the company. When I call Equifax they report back to me that there is still no XXXX  credit history and no score. That no company has been reporting my car payments. I have never asked them to not report my payments. The company website says that they do report to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX, XXXX XX/XX/1982, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 ( FTC NUMBER ) as proof from the US Federal Trade Commission that all 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 2025-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: 1st Franklin Financial Corporation
State: TN

Complaint narrative:
There is a different balance on the credit file verses what the company. Credit bureau shows XXXX the company states XXXXDifference please remove this collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: UHG, LLC
State: CA

Complaint narrative:
I received notice from my employer that " court papers '' were filed to garnish my wages. I looked up the court case, and there are no records of this even being filed in XXXX, California. I ran a background check on myself and don't see any pending court cases. They sent unfiled court documents to my employer requesting garnishment of my wages. These court papers are fake and not even stamped in a court of law. My employer notified me to take action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: EQUIFAX, INC.
State: NV

Complaint narrative:
After further review of my consumer report I realized that I was deceived by the car dealership. I was told that my credit report would not be shopped around to multiple companies to seek financing but after reviewing my report I see that was false. The creditors are enclosed in the attached letter. Some of them I am not even familiar with the company name, and that is how I know for sure that this is illegal and was done without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I changed my checking account number with my bank due to fraud. I called capital one on multiple occasions to give them my new checking account number, make payments and I and requested that they keep my new account and use it for automatic payment. I found out later that automatic payment was never established and my payments were never deducted and I my credit report is damaged.

I have verified with one representative today that they have both my compromised checking account number and the new checking account number on file and yet they did not bother to establish automatic payment nor contact me by phone to let me know that there is a problem with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: FL

Complaint narrative:
has placed an account hold on our small telehealth business and is currently withholding thousands of dollars in legitimate customer payments without any specific explanation or policy violation. We use Squares platform to create and send payment links directly so all transactions occur within their system. 

On or around XX/XX/year>, Square requested verification, which we provided promptly, including a government-issued ID and a formal business statement. Despite this, our funds remain inaccessible and we have not received a timeline for resolution. Customer payments are being held indefinitely, which is disrupting our ability to fulfill active wellness orders. 

We contacted Square by phone on XX/XX/year>, and were told : There is no option to speak with a risk or compliance representative directly No update could be given on the status of our case No information is available on whether our documents have even been reviewed Square is refusing to provide any specific reasoning for the hold, a timeline for release, or any point of contact to escalate this further yet continues to hold funds from paying customers that were processed without error. 

This is now interfering with our ability to operate, fulfill orders, and meet patient care obligations. If there has been no violation of Squares terms, we believe this may constitute an unlawful delay and unfair business practice.

We are requesting : Immediate review and release of our held funds Written confirmation of any concerns or flags on the account A direct contact from the risk or compliance team

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I am disputing an account reported by Santander Consumer USA. The account includes inaccurate and unauthorized late payments. I submitted an FTC Identity Theft Report and formally dispute the accuracy under the Fair Credit Reporting Act ( 15 USC 1681 et seq. ). Santander failed to verify or remove the negative entries, violating their duties under 15 USC 1681s-2 ( b ). I am requesting immediate removal of the incorrect information and all associated delinquencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: NC

Complaint narrative:
Upon reviewing my credit report, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer reporting agencies play a crucial role in accurately reporting consumer information.It is imperative that this information be reported with upmost accuracy. I have never missed a payment on my XXXX XXXXXXXX XXXX account. I request a thorough investigation into these discrepancies and urge you to provide evidence such as statements, demonstrating the lateness of these payments. If unable to furnish such proof I demand that these late payments be promptly updated.to reflect their true status as on time. As I have constantly upheld my payment obligations.

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 2025-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I received an email from the email XXXX stating WELLS FARGO XXXX XXXX XXXX Confirmation Payment Receipt - XXXX  Transfer Payment Date XXXX XXXX XXXX XXXX XXXX XXXX  Status Submitted Payment to XXXX Transfer Amount {$240.00} Transfer Details XXXX to XXXX From Account Checking Account Transfer Amount {$240.00} Status Complete Status Date XXXX XXXX XXXX XXXXXX/XX/year> Reference Number XXXX Transaction Type XXXX Payment Transfer Method Instant Transfer If you did not authorize this transaction or wish to cancel it, please call our fraud help desk immediately : XXXX XXXX XXXX XXXX XXXX Payments submitted before XXXX XXXX XXXX will be processed the same business day. Requests received after this time will be processed on the next business day. 
For questions or complaints regarding Wells Fargo services, contact the Consumer Financial Protection Bureau at XXXX XXXX XXXX XXXX XXXX 
Thank you for using XXXX via Wells Fargo Consumer Financial Protection Bureau Contact : XXXX XXXX XXXX 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 2025-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: NJ

Complaint narrative:
I tried to deposit my endorsed tax return 4 times and the bank refused to deposit the money. When I called and spoke to spoke to XXXX, he threatened me that he was going to disconnect my call because I would not accept his explanation. He would not transfer me to someone. He hung up the phone. He was not willing to help me close my account. This is how customers are treated? They are denied access to their own money?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: TX

Complaint narrative:
I am disputing the inaccurate addresses currently listed on my TransUnion consumer report. Specifically, the addresses " XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XX/XX/year> ) '' and " XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX '' have been reported without my authorization and without any permissible purpose, which violates the Fair Credit Reporting Act. My correct and current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and my current employer is XXXX XXXX. Under 15 USC 1681e ( b ), TransUnion is required to maintain the maximum possible accuracy of all information in my credit file. Reporting unauthorized or inaccurate personal information violates my consumer rights and may subject TransUnion to statutory damages of up to {$1000.00} per violation. I demand that TransUnion immediately remove these unauthorized previous addresses from my credit report, update my employer information accurately, and provide written confirmation along with an updated credit report within the 30-day investigation period.

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 2025-05-29 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: GA

Complaint narrative:
In accordance with with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Account XXXX XXXX XXXX XXXX # XXXX I looked at my TransUnion credit report XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prefers a consumer report it shall follow reasonable procedure to assure Maximum possible accuracy of the information concerning the individual about whom the report relates according to the 15 USC 81 ( e ) ( b ). And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any re-investigation on a paragraph ( 1 ) of any information disputed by consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified. The consumer reported agency shall promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the re-investigation and to properly notify the consumer of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s 2 they are supposed to not provide any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.

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 2025-05-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: WI

Complaint narrative:
Collection company has been harassing my wife, and myself. Calling nonstop. 
This debt is an old fraud XXXX account that was disputed. 
They have called my job as well and keep sending letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Dispute of XXXX Account Due to Conflicting Statuses and Re-aging Dear CFPB I am formally disputing the accuracy and legality of the XXXX account reporting under my profile. This account violates multiple provisions of the FCRA, specifically : 607 ( b ) Data must be accurate and complete 611 ( a ) Right to dispute unverifiable information 605 ( c ) Prohibits re-aging of accounts older than 7 years from delinquency The account shows conflicting statuses across credit bureaus with one bureau reporting Charged Off and another listing Paid, was a Charge-Off. This contradiction makes the data unverifiable and inaccurate by federal standards.

Additionally, the last activity on this account occurred in 2020, yet it is being artificially updated to appear recent a known tactic of illegal re-aging, which is expressly prohibited under the FCRA. 

I demand an immediate reinvestigation. If XXXX can not provide signed, timestamped, and fully authorized proof of debt ownership and validation, including original account terms, the account must be permanently removed from my credit file. 

Please confirm deletion

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 2025-05-29 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: GA

Complaint narrative:
Subject : Dispute of XXXX Account Due to Conflicting Statuses and Re-aging Dear CFPB I am formally disputing the accuracy and legality of the XXXX account reporting under my profile. This account violates multiple provisions of the FCRA, specifically : 607 ( b ) Data must be accurate and complete 611 ( a ) Right to dispute unverifiable information 605 ( c ) Prohibits re-aging of accounts older than 7 years from delinquency The account shows conflicting statuses across credit bureaus with one bureau reporting Charged Off and another listing Paid, was a Charge-Off. This contradiction makes the data unverifiable and inaccurate by federal standards.

Additionally, the last activity on this account occurred in 2020, yet it is being artificially updated to appear recent a known tactic of illegal re-aging, which is expressly prohibited under the FCRA. 

I demand an immediate reinvestigation. If XXXX can not provide signed, timestamped, and fully authorized proof of debt ownership and validation, including original account terms, the account must be permanently removed from my credit file. 

Please confirm deletion

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I received a XXXX Amex gift card as a gift at XXXX and this thing is impossible to use! I have been denied so many places even grocery stores its embarrassing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-29 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: NV

Complaint narrative:
After a final review of my credit report, I noticed an account listed on my report that does not belong to me. I have contacted XXXX XXXX XXXX XXXX and informed that this account is reporting. They did an investigation and have confirmed that the account is not mines and said they would reach out to the credit bureaus to inform them of 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 2025-05-30 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: TX

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. 
XXXX XXXX {$2000.00} XXXX  XXXX {$8000.00} XXXX XXXX {$1600.00} XXXX XXXX. XXXX {$160.00} XXXX  XXXX XXXX {$330.00} XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX {$310.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX  {$450.00} XXXX  XXXX {$510.00} XXXX XXXX XXXX {$850.00} XXXX XXXX {$260.00} XXXX XXXX {$1000.00} XXXX XXXX {$830.00} XXXX XXXX {$360.00} XXXX XXXX  XXXX {$350.00}

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