vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-17 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: DE

Complaint narrative:
I do not recognize these inquiries. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-08-17 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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting information in the file of a consumer that the consumer identifies as information resulted from an alleged identity theft, not later than 4 business days after th receipt.

+ Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.

These accounts has violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer agency can not furnish accounts without my written instructions. 

I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. 

You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of notice. 

I LOOK FORWARD TO YOUR RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: TX

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting information in the file of a consumer that the consumer identifies as information resulted from an alleged identity theft, not later than 4 business days after th receipt.

+ Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.

These accounts has violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer agency can not furnish accounts without my written instructions. 

I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. 

You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of notice. 

I LOOK FORWARD TO YOUR RESPONSE.

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 2025-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Atlanticus Services Corporation
State: NJ

Complaint narrative:
This company must remove all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : A debt collector/buyer must be bonded and licensed by the XXXX XXXX  XXXX XXXX XXXX 
The debt must be legally collectible within the states jurisdiction where the creditor resides. 
Creditors must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
A debt purchase must have an assignment number and be registered with the XXXX XXXX  XXXX XXXX. 
Any debt not within these guidelines must be deleted from a consumers credit report with prejudice. 
This company has posted one or more outdated collection against my credit report. It looks like the account was over 7 years old, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!! 
Debt Buyers obtain assignments of uncollected debts in bulk, without individual purchase agreements, which is a violation of requirements with the XXXX, and in most cases can not be valued as true ownership under CPLR.

Accordingly, this debt buyer must prove these requirements or delete any collection on all pertinent credit reports, i.e. XXXX, XXXX, and XXXX XXXX respectively. 
DELETE THIS ILLEGAL COLLECTION IF TRANSFERRED THEN ALL REPORTING RIGHTS HAVE BEEN SOLD BY THIRD PARTY OWNERSHIP!!! DELETE THIS TRADELINE PERMANENTLY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
I XX/XX/year> got a notice on my card saying that my credit card had been charged for two items totaling {$960.00} from the XXXX shop. I know that I didnt place that order. I called my Visa card and told them that there is a fraudulent charge trying to be charged to my card they immediately canceled my card which created a whole world a problem for me because that was to a lot of but I knew it had to be done and they said they would start the fraud process so they did they sent me a notice saying that the fraud had been investigated and was completed Little. Did I know on XX/XX/year> they recharge my card for {$960.00}. I called them back on XX/XX/XXXX of 2025 and said youd recharge my card for that amount. I dont understand it. I never received any item. I never ordered any item like that and I told you guys what is the problem and there was no comment they just said they would reopen it, but it has not been removed from my card

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 monetary relief
Consumer complaint received 2025-08-17 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:
PLEASE SEND CONSENT LETTER I WROTE TO GIVE PERMISSION TO FURNISH UNAUTHORIZED ACCTS ON MY CONSUMER REPORTS OR DELETE

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 2025-08-17 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: VA

Complaint narrative:
I submitted a police report, an FTC Identity Theft Report, an FTC Fraud Affidavit, my own sworn affidavit, and a statement from my state Attorney General confirming this matter. Despite this, the bureau has refused to block or remove the record. 

This is a direct violation of FCRA 605B, which requires blocking within 4 business days of receiving an identity theft report. Instead, the bureau has stalled and refused, continuing to publish damaging false information without a valid furnisher or permissible purpose. 

Because of this failure to comply, I have suffered harm, including a reduced credit score, loss of clearance/employment opportunities, and ongoing financial hardship and security clearance issues. 

I am requesting immediate removal of this fraudulent record and accountability for TransUnions continued noncompliance with federal law. 

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 2025-08-17 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Date of Incident : XX/XX/year> On XX/XX/year>, at approximately XXXX PM, I received a text message from the number ( XXXX ), allegedly from Wells Fargo, stating that a purchase of {$280.00} from Best Buys had been made and asking me to confirm or deny the transaction. I replied NO to indicate that I did not make this purchase. 

Approximately XXXX minutes later, I received a phone call from ( XXXX ). Although I was at work, I answered because I was concerned about potential fraudulent activity on my account. The caller claimed to be from the Wells Fargo XXXX Department and stated that there was suspicious activity on my account. The caller requested that I verify my identity by providing a code sent to me, which I did. 

During the call, the person asked about my recent transactions, including XXXX charges in Florida, which I confirmed I did not make. They also asked if I had initiated a {$5000.00} wire transfer, to which I responded no. The caller then said they needed to escalate the matter to their supervisor and placed me on hold. The hold music sounded identical to XXXX XXXX official hold music. 

The supervisor then took over the call, stating that they could help stop the wire transfer but that action needed to be taken immediately. The supervisor instructed me to move {$2000.00} from my savings to my checking account and to transfer {$5000.00} into my XXXX XXXX, claiming it would then be moved into a temporary account to prevent the wire transfer from going through. They assured me that once the transfer attempt was blocked, the money could be returned to my account. 

Following their instructions, I moved {$5000.00} into my XXXX XXXX. The caller then helped me set up a temporary account over the phone with XXXX, claiming it was a subsidiary or partner of Wells Fargo. I transferred the {$5000.00} into this XXXX account as instructed. Immediately after completing the transfer, the call was disconnected. 

I then contacted Wells Fargo directly and was informed that they had not called me and that I had been the victim of a fraud scam.

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 2025-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Today XX/XX/year> upon checking my Equifax credit report, I discovered that there are XXXX things that are wrong with my credit score. The first is that the XXXX account has been reporting on my credit report for 7 years and 4 months. That is beyond the statue of limitation for an account to still report on a consumers credit profile over 7 years. I believe that XXXX is deliberately misleading credit bureaus with this information as it is hurting my credit score and hindering me from obtaining a higher credit score to obtain another car. I have paid my debt to this company for a resolution. The second issue is that Equifax has not updated my report since XX/XX/year> it is now XX/XX/year>. I believe this is a result of Improper Credit Reporting as XXXX  and TransUnion has been updating my positive accounts accurately on both 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 non-monetary relief
Consumer complaint received 2025-08-17 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
Today XX/XX/year> upon checking my XXXX  credit report, I discovered that there are XXXX things that are wrong with my credit score. The first is that the XXXX account has been reporting on my credit report for 7 years and 4 months. That is beyond the statue of limitation for an account to still report on a consumers credit profile over 7 years. I believe that XXXX is deliberately misleading credit bureaus with this information as it is hurting my credit score and hindering me from obtaining a higher credit score to obtain another car. I have paid my debt to this company for a resolution. The second issue is that XXXX  has not updated my report since XX/XX/year> it is now XX/XX/year>. I believe this is a result of Improper Credit Reporting as XXXX  and XXXX  has been updating my positive accounts accurately on both reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My XXXX, XXXX XXXX, possesses all my information, and after shutting down a fraudulent account, I was finally able to open a new one with Capital One. For some reason, he managed to access my details and cancel the account that I had just been approved for. Now, when I attempt to call, they inform me that once an account is closed, they can not assist me. I have police reports and documentation regarding XXXX XXXX, and the police officer is in contact with the credit companies. This man has ruined my life, and these companies are permitting this to happen, despite the fact that I am supposed to be protected under the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have been XXXXXXXX and some one stole my identity. You will see from the. Dates on my report that I could not have made these charges. I file a id afadavite

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 monetary relief
Consumer complaint received 2025-08-17 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: DC

Complaint narrative:
This is my third and final attempt to resolve inaccurate late payment entries being reported on my credit file. Despite multiple disputes, the furnishers have failed to correct or delete these false entries, which is a clear violation of the Fair Credit Reporting Act ( FCRA ) and federal billing laws. Accounts in Dispute : 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  Why This Reporting Is Wrong : These accounts were always paid as agreed. I never received billing notices or due date reminders, yet late marks were reported anyway. This violates 15 U.S.C. 1666B, which prohibits imposing late penalties without proper notice. By continuing to report these items without evidence of proper notice, the furnishers are in violation of : FCRA 1681e ( b ) : reporting must be accurate and complete. FCRA 1681s-2 ( a ) ( 1 ) ( A ) : furnishers must report fairly and responsibly. FCRA 1681i ( a ) : disputed items must be reinvestigated and deleted if not verified. Requested Resolution : Conduct a reinvestigation of each disputed late payment. Require the creditors to provide proof that billing notices/due dates were sent before reporting the late marks. If no proof exists, permanently delete these late payments from my credit reports. Provide me with written confirmation and an updated report within 15 business days. Next Steps if Unresolved : If this issue is not corrected, I will escalate further by filing additional complaints with the CFPB, FTC, and State Attorney Generals Office, and pursuing legal action under FCRA 616, which allows up to {$1000.00} per violation plus damages and legal fees.

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 2025-08-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PLANET HOME LENDING, LLC
State: NJ

Complaint narrative:
This company must remove all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : A debt collector/buyer must be bonded and licensed by the XXXX XXXX  XXXX XXXX XXXX 
The debt must be legally collectible within the states jurisdiction where the creditor resides. 
Creditors must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
A debt purchase must have an assignment number and be registered with the XXXX XXXX  XXXX XXXX. 
Any debt not within these guidelines must be deleted from a consumers credit report with prejudice. 
This company has posted one or more outdated collection against my credit report. It looks like the account was over 7 years old, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!! 
Debt Buyers obtain assignments of uncollected debts in bulk, without individual purchase agreements, which is a violation of requirements with the XXXX, and in most cases can not be valued as true ownership under CPLR. 
Accordingly, this debt buyer must prove these requirements or delete any collection on all pertinent credit reports, i.e. XXXX, XXXX, and XXXX XXXX respectively. 
DELETE THIS ILLEGAL COLLECTION IF TRANSFERRED THEN ALL REPORTING RIGHTS HAVE BEEN SOLD BY THIRD PARTY OWNERSHIP!!! DELETE THIS TRADELINE PERMANENTLY

Company response to consumer: Closed with explanation