vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the Federal Trade Commissions Identity Theft Affidavit. 
Please delete the items as soon as possible.

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 2025-09-21 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: GA

Complaint narrative:
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting XXXX accurate. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under XXXX5 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting XXXX accurate. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting XXXX accurate. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under XXXX XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX XXXX ( XXXX ) this account is in violation of not reporting XXXX accurate. 
XXXX XXXX Account XXXX : XXXX Please remove it 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 2025-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
Subject : LVNV Funding Improper Collection Reporting Body : I dispute the LVNV Funding collection. LVNV is reporting balances and dates inconsistently across bureaus, violating FCRA 607 ( b ). No documentation proving assignment or ownership has been provided. Under 611 ( a ) and 623 ( a ) ( 3 ), unverifiable accounts must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: WV

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the Federal Trade Commissions Identity Theft Affidavit. 
Please delete the items as soon as possible.

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 2025-09-21 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: WV

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the Federal Trade Commissions Identity Theft Affidavit. 
Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 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 a victim of identity theft through Equifax data breach and ticket master data breach attached is a copy of my identity theft report with all fraudulent accounts listed on my Equifax credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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:
Subject : Escalated Complaint TransUnions Continued Reporting of Fraudulent XXXXXXXX XXXX Account Prior CFPB Complaint Reference : XXXX I am filing a new complaint because TransUnion continues to report a fraudulent XXXX Funding collection account, despite : XXXX and XXXX have XXXX deleted XXXX Funding from my reports as of XX/XX/year>. ( See attached reports from both bureaus confirming XXXX collections. ) I filed a sworn FTC Identity Theft Report ( Report XXXX. XXXX ) naming XXXX XXXX accounts as fraudulent. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), TransUnion is required to block this reporting. 

TransUnions file still lists XXXX as derogatory with the remark meets FCRA requirements. This remark is false and misleading under FCRA 607 ( b ) because it contradicts the other XXXX nationwide bureaus and my identity theft filing. 

By maintaining inconsistent and inaccurate data compared to Experian and Equifax, TransUnion is violating my rights under FCRA 602 ( A ), 611, and 623.

I request that the CFPB direct TransUnion to : Immediately delete all XXXX Funding accounts from my file, Confirm compliance with FCRA 605B regarding blocking of fraudulent accounts, and Stop using the inaccurate meets FCRA requirements notation to justify continued reporting. 

Supporting Documents Attached : XXXX report ( XX/XX/year> ) XXXX collections XXXX report ( XX/XX/year> ) XXXX collections TransUnion report ( XX/XX/year> ) XXXX still reporting FTC Identity Theft Report # XXXX naming XXXX Funding as fraudulent Sincerely, 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 2025-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Subject : Cease and Desist Permanent Account Closure To : Wells Fargo Executive Escalation / Customer Advocacy CC : Consumer Financial Protection Bureau Dear Wells Fargo, I am formally requesting that Wells Fargo permanently close all accounts in my name, if any exist, and cease all further communications with me, except for any legally required notices. 

I have received numerous letters, emails, and advertisements from Wells Fargo, referencing the following case numbers : XXXX XXXX XXXX XXXX XXXX XXXX I have also been involved with the CFPB under case numbers : XXXX XXXX XXXX XXXX XXXX XXXX I never authorized the opening of any account, and the repeated correspondence from Wells Fargo is causing undue stress and harm. I am copying the CFPB and other relevant regulatory authorities to ensure compliance. 

Continued correspondence that does not resolve my request will be considered harassment. I request confirmation in writing that all accounts have been permanently closed and that all non-legally required communications will cease. 

Sincerely, XXXX Email : XXXX Phone : XXXX Subject : Urgent Cease and Desist Wells Fargo Accounts To : Wells Fargo Executive Escalation / Customer Advocacy CC : Consumer Financial Protection Bureau Dear Wells Fargo, I am formally demanding that Wells Fargo permanently close all accounts in my name, if any exist, and immediately cease all communications with me, including mail, email, phone calls, and advertisements, except for legally required notices. 

I never authorized any account with Wells Fargo. I attempted a balance transfer on the phone based on a pre-approved offer sent to me by mail, yet the transfer was later canceled without my notification. I only became aware of this when I contacted the account that I was supposedly transferring funds to. There was no transfer. 

I have excellent credit, and I do not understand how Wells Fargo could be acting in this manner. This repeated correspondence appears intended to damage my credit, which I have done nothing to warrant. 

This ongoing communication is harassment and causing undue stress. No further contact is to be made, and written confirmation of permanent account closure must be provided. 

For reference, the related CFPB case numbers are : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

Sincerely, XXXX Email : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 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: AL

Complaint narrative:
Cashapp closed my account over a year ago for unknown reasons and refuse to allow me to sale withdraw or transfer myXX/XX/XXXXoff of there app even after I submitted the forms they requested to be sent they will not give me my XX/XX/XXXX off there app

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: Round Up Ventures, L.P.
State: TX

Complaint narrative:
Account Information : XXXX  : Date Opened XX/XX/XXXX | Date Reported XX/XX/XXXX | Status : 60 days past due. 

XXXX XXXX XXXX XXXX No record. 

Problem : This account originated in XXXX but is still being reported as delinquent in XXXX. This is beyond the lawful reporting window for negative items. 

Consumer Harm : It unfairly extends the derogatory effect on my file.

Violations : FCRA 605 ( a ) ( 4 ) : 7-year limit on derogatory reporting.

FCRA 607 ( b ) : Accuracy requirement.

Demand for Relief :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Inquiry shows in my credit report by the XXXX Credit Report agency is not authorized by me. The inquiry by Bank of America on XX/XX/2025 is not legitimate and needs to remove

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 2025-09-21 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Due to the XXXX, XXXX  and Medical data breach which included sensitive information such as Social Security number, date of birth, financial account details and medical information. I have experienced ( unauthorized credit inquires, attempted fraudulent accounts, negative reporting errors, an ongoing risk of identity theft ). Despite my efforts to protect myself by initiating fraud alerts, placing credit freeze, and by disputing inaccurate information, I continue to suffer harm to my credit reputation and financial security. I have also requested debt validation letters from multiple companies. ( Portfolio Recovery, LVNV Funding LLC, XXXX XXXX XXXX XXXX, Absolute Resolution Investment and XXXX XXXX XXXX credit card that had a {$0.00} balance ). Reporting Act ( U.S.C. 1681 ) and the Fair Collection Practices Act ( 15 U.S.C. 1692 ). Which they have not provided any legal documentation proving that I own the debts or have been assign the rights to collect them 611 ( a ) ( 5 ). I also had some names and phone numbers, I had deleted from XXXX  report. That did not match my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: OH

Complaint narrative:
Spoke to Equifax representative was told the following. 

REGARDING THE XXXX XXXX ACCOUNT ON MY CREDIT REPORT XXXX ) The representative didn't know what the word terminate means? 
WHICH MEANS TO BRING TO AN END, CLOSE, COMPLETE, FINISH, END. 
TERMINATE IS WHAT IS SHOWING ON THE CREDIT REPORT WHICH MEANS IT SHOULD SAY CLOSED NOT OPEN. 

XXXX ) SAYS THE ACCOUNT IS CURRENTLY IN GOOD STANDING BUT NO PAYMENTS MADE AND THE AMOUNT STAYS THE SAME AND NEVER LOWERS. 
HOW CAN AN ACCOUNT BE IN GOOD STANDING NO PAYMENTS, AMOUNT CHANGES AND THE ACCOUNT IS CLOSED. 

XXXX ) XX/XX/year> FILLED OUT IDENTITY THEFT REPORT WITH EQUIFAX SUPERVISORS. XX/XX/year> FEDERAL TRADE COMMISSION SUBMITTED IDENTITY THEFT REPOT FORM. I HAVE FILLED OUT XXXX IDENTITY THEFT REPORTS WITH XXXX RESULTS. EQUIFAX IS NOT FOLLOWING THE FEDERAL LAW TO BLOCK THE INFINITI ACCOUNT OFF OF MY CREDIT REPORT WITHIN 3 DAYS.

4 ) EQUIFAX REPRESENTATIVE STATED IF I SENT A POLICE REPORT IT WAS NO GUARANTEED TO COME OFF OF MY ACCOUNT. 2ND WANTED STATE ID AND SSN WHICH NO ONE WOULD SEND TO A STRANGER WHO DOES NOT HAVE A SECURITY CLEARANCE. EQUIFAX IS NOT A GOVERNMENT AGENCY.

5 ) COSTANTLY TOLD INCONSISENT AND LIEING INFORMATION EQUIFAX IS PURPOSLY TRYING DAMAGE MY CREDIT REPORT.

6 ) THIS ACCOUNT IS OVER 7 YEARS OLD AND SHOULD BE REMOVED ITS NOT MY ACCOUNT. 

7 ) PLEASE HAVE EQUIFAX TO ADD THIS STATEMENT TO MY CREDIT REPORT WORD FOR WORD. I WILL BE CHECKING.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: MOHELA
State: VA

Complaint narrative:
MOHELA AND FEDERAL STUDENT AID : I've done everything advised prior to the litigation that started last year. Now, because I was put into the SAVE program, there's nothing I can do other than wait for correspondence from the outcome of the litigation and interest has started accruing on my loans again. I'm also in the PSLF program but was advised that any payments that I where to make over the past year may not be considered being that it's in litigation. Now my credit score is being affected negatively. It takes hours to get somebody on the phone every time I call. There is no help/CORRESPONDENCE provided as far as what to do at this point other than I don't have a payment due. When I tried to utilize the federal student aid website and look at the options for alternate repayment programs all of them are triple the amount OR more of what I was paying and I can't afford to pay that monthly with my other expenses.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I received a fraud alert that someone was attempting to open an account and credit card at wells Fargo under my name/info. I received the credit card in the mail to my home address- the company/person opened a business credit card under my name with Wells Fargo. The business is : XXXX XXXX XXXX XXXX. I will contact Wells Fargo to close fraudulent 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 2025-09-21 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: U.S. BANCORP
State: CA

Complaint narrative:
Unauthorized credit inquiry made by US Bank on my XXXX  credit report. I did not authorize this inquiry on 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 non-monetary relief
Consumer complaint received 2025-09-21 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: IL

Complaint narrative:
The information currently reported is inaccurate. Specifically, Account is reporting as an outstanding collection with a {$0.00} balance, which is inaccurate, misleading, and unverifiable. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to 1681e ( b ) ( requirement for maximum accuracy ), 1681i ( reinvestigation of disputed information ), and 1681s-2 ( a ) ( furnisher duty to report accurate information ). Additionally, continued reporting of a {$0.00} balance account as derogatory constitutes misrepresentation under the Fair Debt Collection Practices Act ( FDCPA 807 ). I am demanding the permanent deletion of this account from my credit report. If you can not fully verify the accuracy of the information with documented evidence, you must delete it pursuant to federal law. 
Please provide me with the method of verification if you intend to continue reporting this account. As required by law, I expect your investigation and response within 30 days of receipt of this letter. 
Sincerely, XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Texas Guaranteed
State: NC

Complaint narrative:
This letter is a formal demand for validation of the debt you claim I owe in the amount of {$34000.00}, as reported to Experian and identified as a collection account. I dispute this alleged debt in its entirety. 

This request is made pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ). You are required to provide complete and competent validation before engaging in further collection activity or reporting this debt to any consumer reporting agency.

You must provide the following : 1. Proof of ownership of the debt a complete chain of title from the original creditor to your company, including all assignments and transfers. 
2. The original signed contract or promissory note that created the obligation, bearing my signature.

3. Full itemization of the alleged balance showing how the amount of {$34000.00} was calculated, including principal, interest, fees, and any other charges.

4. Verification that you are licensed and legally authorized to collect debts in my state, including your license number and issuing authority.

5. The name and address of the original creditor and any account numbers associated with this debt.

Be advised : Under 15 U.S.C. 1692g ( b ), you must cease all collection efforts until you provide proper validation.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishing inaccurate information to a consumer reporting agency is prohibited. Continuing to report this debt without proper validation will be considered a willful violation. 
Failure to comply will result in my filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my State Attorney Generals office, and pursuing any legal remedies available to me. 

If you can not validate this debt, you are required to immediately remove all reporting of it from XXXX XXXX XXXX XXXX and cease all further communication with me. 

I expect a full response within 30 days of your receipt of this letter. This letter is sent via Certified Mail with Return Receipt so I have proof of delivery.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I have requested that an error to the first date of delinquency on my account be fixed since XX/XX/XXXX. The company agreed to fix the issue several times. It has not been resolved. The date of first delinquency is XX/XX/XXXX. It is being listed as different dates on 2 on my credit reports.

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