vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 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: GA

Complaint narrative:
Subject : Complaint Regarding Inaccurate Credit Reporting and Failure to Correct Inaccuracies Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax, Experian, and TransUnion for their failure to accurately report and correct inaccuracies on my credit report. These inaccuracies have severely impacted my ability to obtain housing. 

Specifically, I am requesting your assistance in addressing the following issues : Inaccurate Name : My credit report incorrectly lists my married name. I have not used this name since XX/XX/year>, at XXXX AM. I have contacted Experian multiple times to correct this, but the error persists. This is a violation of the Fair Credit Reporting Act ( FCRA ), specifically sections 1681i ( a ), 1681i ( b ), 1681i ( c ), and 1681i ( d ), which outline the requirements for correcting inaccurate information. 

Incomplete and Inaccurate Negative Account Information : The credit reports from all three bureaus ( Equifax, Experian, and TransUnion ) do not show the complete account numbers for any of my listed accounts, which hinders my ability to address them effectively. I have contacted all three bureaus to request the full account numbers, but they have not provided them. Additionally, there are inaccuracies with the following negative accounts : XXXX XXXX XXXX, Account Number XXXX ( reported by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX, Account Number XXXX Inaccurate Address : My credit report lists an incorrect address at " XXXX XXXX XXXX '' and includes mailing addresses in XXXX, XXXX. I do not live at the XXXX XXXX address and have no mailing addresses in XXXX. I am a XXXX person on XXXX, and my correct and only address is XXXX XXXX XXXX, [ additional letters and numbers ]. The additional letters and numbers on the address are inaccurate. 
Additionally, I have been affected by the data breaches at Equifax, Experian, and TransUnion, which increases my concern about the accuracy and security of my personal information. 

I am requesting that the CFPB take the following actions : Investigate the inaccurate reporting by Equifa

x, Experian, and TransUnion. Compel these agencies to correct the errors on my credit report, specifically regarding my name and address. 

Require the credit bureaus to provide the complete account numbers for all listed accounts and address the inaccuracies in the negative accounts. 

I am providing this information to support my request for assistance in resolving these credit reporting issues. These errors are causing me significant hardship, particularly in my efforts to secure housing. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: TX

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2025-04-02 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: FL

Complaint narrative:
Delete Hard Inquiries In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years 15 U.S.C 16816-2 ( A ) ( a ) 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. 

Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I previously had a clear access banking account with with wells fargo that was closed in XXXX of XXXX Their reasoning for closing it was because a client of mine gave me a check to deposit, and they said that it was a bad check. I should not be held responsible for a client giving me a bad check to deposit. I recently opened an everyday checking account about a few days ago on XXXX XXXX that account got closed today on XXXX because of the XXXX bank account being shut down for the bad check.

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 2025-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AL

Complaint narrative:
Today is XX/XX/2025 I decided to meet up with a girl I know from XXXX XXXX and hours later I get a random call from someone saying they work for the XXXX  and that they had all my information and planning to XXXX me and my family if I didnt pay them XXXX for wasting their time. To make it short I was convinced because it was weird and strange. So I payed XXXX then later on he requested XXXX and contradicted his statement that it was XXXX was for his boss. But he never told me that beforehand so while on the phone I went to XXXX to see if its a scam and behold it was a scam I also texted the girl to ask her about it and she said no she wasnt connected to the XXXX So I blocked all the numbers but they kept calling and messaging me on random numbers. I heard it was hard to get money on cashapp so while on XXXX I looked it up and found someone make a post about this site. My cashapp is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: KY

Complaint narrative:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

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 2025-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I had an account with TD Bank. I received two checks from a relative : one from XXXX XXXX in the amount of {$1800.00} and the other from XXXX XXXX  of an amount of {$1800.00}. I used the mobile app at my bank to deposit the checks on XX/XX/2024. On XXXX, the check was deposited successfully. I noticed that TD Bank didn't show the available balance only on the current balance. After a week, TD Bank closed my account and I went to the bank and they stated that their was a mistake on the check. I went to the branch and asked them about the money and they stated they would return the money to the makers bank, who wrote the check. It would be returned within 1 to 2 weeks. I asked if they got the money back, they stated they didn't get the money back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Subject : XXXX XXXX XXXX XXXX for Attempting to Collect a Time-Barred Debt Dear Consumer Financial Protection Bureau , I am submitting this complaint regarding the company Asset Acceptance XXXX which has attempted to collect a debt that dates back to XXXX. This debt is clearly outside the statute of limitations, yet the company has continued to pursue collection. 

In XXXX, XXXX XXXX illegally filed paperwork with the court in an attempt to revive this debt. As a result, on XX/XX/XXXX, I received a Plaintiff Notice of Dissolution of Continuing Writ of Garnishment. 

Now, in XXXX, I have once again received documents from this same company attempting to collect a debt that I do not recognize and for which I have received no clear explanation. 

I want to note that I have previously filed multiple complaints regarding the same situation, as this company continues to pursue a debt that is both unfounded and time-barred. 

I believe these actions are unfair, deceptive, and potentially unlawful. The repeated attempts to collect this debt are causing me ongoing stress and confusion, and I am requesting the CFPB to investigate this matter thoroughly. 

Please let me know if you require any additional documentation or information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mercedes Benz Financial Services
State: TX

Complaint narrative:
I am filing this complaint against Mercedes-Benz Financial Services due to their refusal to consider a goodwill adjustment for multiple late payments and a repossession on my account & credit report, Despite the fact that I was able to recover the vehicle, bring the account current, and have maintained an excellent payment record since XXXX 

There are 7 late payments currently being reported on my credit file, including a repossession. However, I was able to reinstate the account, retrieve the vehicle, and have since been fully current with no missed payments since XXXX Ive also enrolled in automatic payments to ensure future payments are made on time. 

Ive made every effort to resolve this amicably. I sent a formal goodwill letter, followed up with multiple emails to Mercedes-Benz Financials executive leadership, including the CEO, and even called in to speak with representatives, pleading for reconsideration. Despite this, I was given a generic response stating that they must report accurately and fairly and that the late payments or repossessions can not be removed. 

I fully acknowledge my past mistakes, but Ive worked extremely hard to correct them and maintain good standing with this account. Their unwillingness to consider a goodwill adjustment is now significantly harming my ability to apply for new credit, despite the progress Ive made.

I respectfully request that the Consumer Financial Protection Bureau review this matter and urge Mercedes-Benz Financial to reconsider removing or re-aging the late payments in recognition of my long-term on-time payment history, my efforts to recover the account, and my commitment to responsible financial behavior moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: VA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-04-02 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: KY

Complaint narrative:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: TX

Complaint narrative:
On XX/XX/year>, XXXXXXXX XXXX, ( from Equifax Information Services XXXX XXXX ), XXXXXXXX XXXX  received my request to correct their internal records and cease reporting fraudulent information to credit bureaus under Texas XXXX XXXX and FCRA 1681s-2 ( a ) ( 1 ), along with a Texas XXXX XXXX court order, via certified maiXXXX XXXX XXXX with return receipt. Delivery was confirmed on XX/XX/year>. The request and court order identified a fraudulent accountCreditor : XXXXXXXX XXXX  ; Date Opened : XXXX ; Balance : {$5900.00} ; Account XXXX XXXXXXXXresulting from identity theft, supported by an FTC affidavit, police report, and proof of identity ( passport, Social Security card, proof of address ). In late XX/XX/year>, I called XXXX, and they assured me the account was marked as fraudulent and would not appear on credit reports. However, as of XX/XX/year>, XXXX is still reporting this account to Equifax, where it reappeared on my credit report after Equifax confirmed its deletion on XX/XX/year>. I called XXXX on XX/XX/year>, at XXXXXXXX XXXX XXXX XXXX, and XXXX XXXX, to demand they stop reporting it ; each time, they hung up when I raised the issue, refusing to address this violation of FCRA 1681s-2 ( a ) ( 1 ) and Texas XXXX XXXX XXXX Their actions cause ongoing financial and emotional harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or missing disclosures — 
Company: The J. G. Wentworth Company
State: CA

Complaint narrative:
I sold multiple structured settlements to J.G.

Wentworth and its affiliates Peachtree Financial and XXXX XXXX XXXX over the years, starting when I was very young and financially inexperienced. In each case, I was not given fair value or proper advice about the long-term impact of the sale. The rates were extremely poor, and no effort was made to help me understand or negotiate better terms.

In one transaction, I backed out of the deal before court approval. Despite this, the company proceeded without my consent or presence in court, received approval, and sent me the money anyway. I contacted them to return the funds-but they offered no path to do so. They also refused to offer additional funds or review the deal, even after acknowledging the terrible rate.

Their behavior was deceptive and predatory. 
I'm requesting an investigation and accountability for the harm done. I'm open to providing more details or documentation if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: LA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least XXXX days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least XXXX days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely 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 non-monetary relief
Consumer complaint received 2025-04-02 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:
I am writing to formally request the removal of fraudulent accounts from my credit report due to identity theft, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). 

I recently discovered that accounts were fraudulently opened in my name with XXXX XXXX XXXX XXXX. Specifically, the following accounts do not belong to me : Account Number : Unknown Fraudulent Amount : {$15000.00} Account Number : XXXX Fraudulent Amount : {$5000.00} As per the FCRA 605B ( 15 U.S.C. 1681c-2 ), I am requesting the blocking of this information from my credit file. I have attached the necessary documentation, including : 1. A copy of my FTC Identity Theft Report ( FTC Report Number : XXXX ) 2. A copy of my government-issued identification 3. Any additional documents necessary to support my claim Additionally, the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681g require that fraudulent accounts be removed, and I request that any debt collectors be informed that these accounts resulted from identity theft. 
Please confirm in writing that these fraudulent accounts have been removed from my credit file. If you need further information, you may contact me at the phone number or email listed above. 

Thank you for your prompt attention to this matter. I expect written confirmation within 30 days as required by law

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 2025-04-02 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: Byrider Franchising, LLC
State: WI

Complaint narrative:
My personal information was compromised in a major data breach involving all three credit bureaus. As a result, my identity was stolen and used to open unauthorized accounts, submit false information, and damage my credit profile. I did not open or agree to these accounts. My legal name and address are also being reported incorrectly. I have submitted an identity theft report and have repeatedly contacted the credit bureaus to correct this, but the fraudulent information remains. I am requesting immediate removal of all inaccurate and unauthorized accounts from my credit file.

Company response to consumer: Closed with explanation