vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 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: SC

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX Equifax XXXX XXXX ] has willfully ignored its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within 30 days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the court held inaccuracies must be corrected whether factual or legal ; in XXXX ( XXXX ), the XXXX Court reaffirmed broad FCRA liability ; and in XXXXXXXX XXXX XXXX XXXX XXXX  ), TransUnion paid {$23.00} XXXX after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. 

Accounts to Be Deleted : CHARGE OFF : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Subject : Wells Fargo Unlawful Account Freeze, False Fraud Reporting, Business Damage, and Request for Return of Recalled Wires To Whom It May Concern, I am filing a formal complaint against Wells Fargo for mishandling my accounts based on false information provided by XXXX XXXX XXXX XXXX, operated by XXXX and XXXX XXXX. 

These individuals paid : - {$14000.00} on XX/XX/XXXX for Invoice # XXXX - {$4300.00} on XX/XX/XXXX for Invoice # XXXX - {$15000.00} on XX/XX/XXXX for Invoice # XXXX They fully authorized all payments and even sent me the wire confirmations themselves. 

Later, they falsely claimed to their bank that these transactions were unauthorized, which is untrue. I possess : XXXX chat logs -Invoices ( # XXXX and # XXXX ) -Screenshots of the wire confirmations sent by them -All documents showing full authorization All evidence will be attached below as protection for myself and my company. 

They were also told in writing that in wholesale, all delivery/lead times are approximate and delays may occur. They agreed to this before sending any money.

Despite this, Wells Fargo froze my personal and business accounts for over three months, refunded these wires without contacting me, and reported me as fraud.

This has caused : -Total shutdown of my business -Loss of clients -Inability to operate or access funds -Inability to pay my credit cards -Damage to my company reputation and credit -Closure of a newly opened XXXX account Sincerely,

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 2025-12-09 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:
To Whom It May Concern : This letter serves as my formal XXXX demand under the Fair Credit Reporting Act ( FCRA ) requiring Experian to provide full verification of the accounts listed below or delete them immediately. The accounts appearing on my Experian report contain inaccurate, incomplete, outdated, or unverified information, which constitutes willful noncompliance under : FCRA 602 ( A ) Maximum possible accuracy FCRA 607 ( b ) Failure to ensure accuracy FCRA 611 ( a ) ( 1 ) ( A ) Duty to conduct a reasonable reinvestigation FCRA 611 ( a ) ( 5 ) ( A ) Mandated deletion of unverifiable information FCRA 623 ( a ) ( 1 ) ( A ) Furnishers prohibited from reporting inaccurate information Additionally, the Consumer Financial Protection Bureau has sued Experian for deceptive and illegal practices relating to data accuracy and failure to properly investigate disputes ( CFPB XXXX Experian, XXXX ). I am citing this enforcement as proof that Experian has a history of violating federal law when handling consumer disputes. 



Accounts Requiring Immediate Deletion XXXX XXXX XXXXXXXX XXXX XXXXXXXX Secured Loan ( Opened XX/XX/XXXX ) Issue : Experian is reporting a XXXX late payment for XX/XX/XXXX, despite the account showing Paid/Closed and no current balance. 

This is factually impossible, inconsistent, and therefore inaccurate. 



Violations : FCRA 607 ( b ) Reporting inaccurate information FCRA 611 ( a ) Failure to verify accuracy FCRA 623 ( a ) ( 1 ) ( A ) Furnisher prohibited from inaccurate reporting Demand : Provide documented proof of the alleged XXXX late including : Full payment ledger Direct communication from XXXX XXXX Bank XXXX XXXX delinquency If you can not provide written verification within 7 days, this item must be deleted immediately. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issues identified : Dates of first delinquency and charge-off reporting are inconsistent, violating FCRA. 

Balance history updated in XXXX, long after the XXXX charge-off, suggesting illegal re-aging. 

Payment history from XXXX shows XXXX CO, which must legally stop after the XXXX charge-off period. 



Violations : FCRA 605 ( a ) Improper reporting period FCRA 623 ( a ) ( 5 ) Illegal re-aging of debt FCRA 607 ( b ) Failure to maintain accuracy FCRA 611 ( a ) ( 1 ) ( A ) Failure to conduct reasonable reinvestigation Demand : Provide the following under FCRA : Original creditors date of first delinquency ( DOFD ) Chain of custody documentation Proof the account has not been re-aged Full accounting ledger If Experian can not verify the accuracy of this information within 7 days, delete the account entirely.

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 2025-12-09 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: FL

Complaint narrative:
These inquiries appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

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 2025-12-09 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: FL

Complaint narrative:
These inquiries appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

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 2025-12-09 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 submitting this formal dispute regarding inaccurate and unverified accounts appearing on my Equifax credit report. These items show signs of a data breach, mixed consumer file, or file mismatch, and therefore require immediate reinvestigation. Under the Fair Credit Reporting Act ( FCRA ) Sections 602A, 607 ( b ), and 611, Equifax must ensure maximum possible accuracy and conduct a lawful, thorough reinvestigation. 
The following accounts are inaccurate, unverified, and inconsistent with my verified credit history. Unless Equifax can provide complete, original, and verifiable documentation proving these accounts belong to me including signed applications, itemized statements, and proof of permissible purpose they must be deleted immediately : Account Name : XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XXXX Balance : {$5000.00} Account Name : XXXX Account Number : XXXX XXXX XXXX XXXX Open Date : XXXX Balance : {$1800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC
State: PA

Complaint narrative:
Original Loan was sold to Planet Home Lending from XXXX XXXX on XXXX XXXX XXXX. Loan was Refinanced on XXXX XXXX XXXX and went back to XXXX XXXX for a XXXX XXXX Escrow account was XXXX due to me. Planet Home Lending has yet to disburse escrow check back to Me and continuously states it will send back to me with no tracking or check # available. Loan number XXXX with Planet Home Lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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 have no connection to this account, which is not mine, and I am requesting that it be reviewed and removed 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 2025-12-09 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: TX

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Palmar, Inc.
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my creditreport.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-09 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: PA

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CT

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

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 2025-12-09 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: NJ

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2025-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
To whom it may concern Previous complaint number XXXX, LVNV is has done enough stalling tactics and violated my constitutional rights and hence violated FDCPA and TILA. In their previous response LVNV Resurgent 2 different companies supposedly. Practice stalling and unconstitutional tactics and behavior which is giving me emotional and financial stress and wasting my time. This is the last time I am trying to convey this message to LVNV since you mentioned XXXX  XXXX account and sent me some incomplete documentation attached to this complaint please Provide me complete transfer of debt which is under my name, bill of sale and Contract required according to TILA.

The Truth in Lending Act ( TILA ) requires lenders to provide clear, standardized disclosures about loan costs before a consumer signs the contract, ensuring transparency for comparing credit options, and mandates specific info like APR, finance charges, payment amounts, late fees, and prepayment terms for loans ( auto, mortgages, credit cards, etc. ). Key TILA contract requirements include providing a standardized disclosure ( Reg Z ), outlining total financed amount, interest, fees, total payments, and clarifying prepayment rights, making it a crucial part of the loan agreement for consumer protection.

I will be taking strict legal action against your company which will involve Lawsuit and damages done to me. PLease provide all the requested documentation including Signed Contract, TILA Documents, Transfer assignments under my name, bill of sale. Any missing documents will be considered as missing or incomplete and will be ending up in a lawsuit for failure to produce. This is my last request. Please cease and desist all communications and attempts to collect any debt unless provided the requested documents for Refence ID : XXXX Documents are attached

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
Equifax has failed to provide any verifiable proof that this account belongs to me or that any legally binding agreement exists bearing my signature. This is a violation of FCRA 611 ( a ) ( Reinvestigation Requirements ) and 611 ( a ) ( 7 ) ( Method of Verification ). Continuing to report unverifiable, fraudulent information is a willful act of noncompliance under FCRA 616617.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: WA

Complaint narrative:
On XX/XX/year>, I contacted Cash App ( oral notice ) and explicitly reported that my access device ( phone and wallet ) had been lost/stolen. I requested that the account be secured. Cash App acknowledged this severe security risk and stated they would remove all current devices from the account.

Subsequently, multiple unauthorized electronic funds transfers totaling {$160.00} were initiated on my account ( Last 4 digits : [ CASH APP CARD LAST 4 DIGITS ] ). These charges occurred over the span of almost a month and a half, after Cash App was formally notified of the lost/stolen access device. Cash App 's inadequate security measures and my inability to log in prevented me from stopping the transactions. 

I provided my written notice on XX/XX/year>, immediately after regaining access and learning of the full extent of the loss. This was within two business days of my learning of the loss, as required by law.

Cash App has failed to promptly investigate and resolve this dispute. Cash App has violated its duties under the Electronic Fund Transfer Act ( EFTA ), specifically Regulation E ( 1005.6 and 1005.11 ), by failing to adequately secure the account after I reported the loss, and failing to resolve the resulting unauthorized transactions. My liability is capped by law. I request the CFPB compel Cash App to immediately resolve the dispute and refund the full {$160.00}.

Edit ( just to make certain things clear ) - 1. Cashapp has never, to this day, responded to any of the multiple emails or calls that i made or sent to resolve this. 2. In the attached screenshots, you'll see that i emailed them on XX/XX/XXXX, less than XXXX day after i was able to regain access to my account. Out of context, it might seem odd that I didn't make the fraudulent charges the main point of the email, and instead, seemed to focus on my concern about some technical glitch with my cashtag, but this was because i had already spoken to them on the phone and detailed all of the information necessary to compel them to refund these charges, so i assumed that expounded on those would be an unnecessary redundancy. 3. But customer service representatives that I've spoken to about this HAVE referenced and acknowledged call that i had made to them regarding this issue and referenced notes on the account that detailed what i had told them. My point is they ARE and HAVE been aware of everything I've told them and tried to inform them of, they are just deciding not to act in accordance with the law to resolve it. 4. Between XX/XX/XXXX and XX/XX/year>, I had called in MULTIPLE times to attempt to regain access to my account with the information I had available. Hours and hours worth of phone time. My point is, again, they have been made aware of my situation throughout this entire process, BEYOND what should be necessary to resolve this.

Company response to consumer: Closed with explanation