vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 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:
Date Reported : XX/XX/XXXX The Statement/Alert Shown Below Expires On : XX/XX/XXXX IDENTIFY THEFT REPORT FILED WITH POLICE DEPARTMENTS Public Record Information This section includes public record items Equifax obtained from local, state and federal courts through a third party vendor, XXXX. XXXX XXXX XXXX XXXX. Box XXXX XXXX, GA XXXXXXXX XXXX  : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: OR

Complaint narrative:
Since this late payment does not fairly represent my payment history, I ask that it be immediately removed from my account. I've always paid on time, so this inaccurate entry is unjust. Kindly make the appropriate updates to my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: NC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 non-monetary relief
Consumer complaint received 2025-06-05 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:
I am the victim of Identity Theft & The EQUIFAX Data Breach.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 | May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: IN

Complaint narrative:
Please understand that this complaint is not made lightly. There are errors on my credit report that are causing me ongoing distress and hardship. These are already difficult times, and the emotional and financial toll is significant. I would be incredibly grateful if these inaccuracies could be addressed and resolved.

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 2025-06-06 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: AFNI INC.
State: TX

Complaint narrative:
This account is reporting inaccurately on my credit profile. I was never notified of any debt owed to XXXX XXXX XXXX XXXX prior to this appearing on my credit report. AFNI has failed to provide proper validation and proof of responsibility. This collection is damaging my score and does not reflect any verified contractual obligation. Im requesting its immediate deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mercedes Benz Financial Services
State: GA

Complaint narrative:
Disputing a XX/XX/year> late payment on Acct # XXXX. I requested a hardship extension in XXXX, which MBFS approved, yet a late mark was reported. Docs show adjustment. Per FCRA, please remove the error and confirm the correction. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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:
b'XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Account Number Date Opened High  Credit Credit Limit Terms Duration Terms Frequency Months Revd Activity Designator Creditor Classification XXXX XXXX XXXX Date of Last Reported Update Balance Amount Amount Past Due Date of Last Payment Actual Payment Amount Scheduled Payment Amount Date of 1st Delinquency Date of Last Activity Date Maj Del. 1st Reported Charge Off Amount Deferred Pay Start Date Balloon Pay Amount Balloon Pay Date  Date Closed XXXX XXXX XXXX XXXX XXXX Type of Account - Open; Type of Loan - Utility Company; Whose Account - Individual Account; ADDITIONAL INFORMATION - Consumer Disputes - Reinvestigation in Process; Collection Account;'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: SC

Complaint narrative:
Im writing personally to dispute several closed accounts on my credit report that contain errors or can not be verified.

Under the Fair Credit Reporting Act ( 1681i and 1681e ( b ) ), if these accounts can not be verified with original documents, they must be deleted not just marked disputed. If theres no permissible purpose for reporting them, that also violates 1681b.

Please conduct a proper reinvestigation and delete any unverifiable items. I request an updated report once the review is complete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: FL

Complaint narrative:
The following accounts are reported incorrectly and fraudulently. These accounts must be removed from my credit report : 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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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:
The following accounts are reported incorrectly and fraudulently. These accounts must be removed from my credit report : 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 XXXXXXXX

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 2025-06-05 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: IN

Complaint narrative:
Please understand that this complaint is not made lightly. There are errors on my credit report that are causing me ongoing distress and hardship. These are already difficult times, and the emotional and financial toll is significant. I would be incredibly grateful if these inaccuracies could be addressed and resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: TX

Complaint narrative:
I requested validation of the debt reportedunder FDCPA 809 ( b ), but the agency has failed to provide any supporting documentation or chain of custody from the original creditor.

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 2025-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Dear Wells Fargo Complaints Team, This message pertains to an issue related to an termination of my XXXX access on XX/XX/year>. 

Wells Fargo disabled my XXXX access without any prior notice, specific explanation, or opportunity to dispute the decision. I was told this action was taken based on internal business procedures, yet you have completely failed to explain what I allegedly did wrong, which transaction ( s ) triggered this action, or how I supposedly violated any policy. 

Youve provided only generic statements referring to XXXX terms and conditions, while never explaining how or why they apply to me, nor giving me the opportunity to review or respond. I want to make it absolutely clear : I have not engaged in any suspicious, unauthorized, or non-compliant activity. 

I have never violated XXXX terms of service. 

I was a customer in good standing when this decision was made. 

This vague and opaque approach is not acceptable, and it has caused serious disruption to my ability to send and receive money a service that is essential in todays financial environment. It is also unreasonable and unjustified for a bank to take such action against a loyal customer without providing any evidence, context, or appeal process. 

As a result of this, I am closing my Wells Fargo account.

Accordingly, I am making the following formal demands : That you fully release my phone number and email address from your XXXX registration system, so I may use them freely with another financial institution. I will never ever use WELLS FARGO EVER AGAIN. I will also be closing my family accounts.

I need you to verify that you confirm in writing that there are no internal flags, holds, or restrictions tied to my credentials that could prevent me from registering with XXXX elsewhere. 

That you acknowledge Wells Fargo has no legal or contractual authority to retain or restrict my personal identifiers once our banking relationship ends. 

If these steps are not taken, or if you continue to provide vague or evasive answers, I will escalate this matter further through the Consumer Financial Protection Bureau, XXXX XXXX XXXX, and legal channels if necessary. 

I request a complete and timely written response confirming the above actions have been completed, and once again, I expect a clear explanation of what exactly triggered this decision - including what activity or transactions were supposedly in violation of policy. 

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 2025-06-06 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: PA

Complaint narrative:
I just checked my credit report and was furious to see an unauthorized inquiry appear out of nowhere. Its not a browser glitchI tried refreshing several times. This is unacceptable, and Im demanding an immediate investigation into this. Please go over the documents I provided carefully so I can have peace of mind again.

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 2025-06-05 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: OR

Complaint narrative:
I am submitting this complaint regarding an unauthorized hard inquiry appearing on my credit report. I have never had any business dealings, communications, or account relationships with the followingn listed creditors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and request the removal of inaccurate personal information currently listed on my credit reports from your bureau. These inaccuracies include incorrect names, addresses, and employers that do not belong to me and must be deleted immediately under the Fair Credit Reporting Act ( FCRA ). 

Credit Report Date : XX/XX/XXXX Correct Full Name : XXXX XXXX XXXX Correct Date of Birth : XXXX XXXX XXXX  Correct Address : XXXX XXXX XXXX  TX XXXX Incorrect Names ( Please Remove ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Correct name to retain : XXXX XXXX XXXX Incorrect Addresses ( Please Remove ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  TX XXXX Returned Mail XXXX, XXXX, TX XXXX Correct address to retain : XXXX XXXX XXXX  TX XXXX Employers ( Never Worked Please Remove All ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never worked for any of the employers listed above. Please permanently remove them from my credit report. 

Under the FCRA, you are required to investigate and correct inaccurate or unverifiable information. Please confirm in writing once these corrections have been made and provide updated copies of my credit report. 

Enclosed you will find a copy of my government-issued ID and proof of address for verification purposes. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX Would you like me to generate this as a downloadable PDF, or would you like copies tailored for each credit bureau separately ( TransUnion, 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 non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I took a look at my credit report and noticed XXXX XXXX XXXX  is claiming that I owe them a debt. I never signed a contract with them or had business dealings with them. however they are reporting it to my credit report, I respectfully ask according to FCRA 15 USC 1692g which I am entitled to for bureaus to report accurately and fairly.

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 2025-06-05 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: FL

Complaint narrative:
I took a look at my credit report and noticed XXXX XXXX XXXX  is claiming that I owe them a debt. I never signed a contract with them or had business dealings with them. however they are reporting it to my credit report, I respectfully ask according to FCRA 15 USC 1692g which I am entitled to for bureaus to report accurately and fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: IL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed fraudulent accounts on my report please remove accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
Credit collections reported an account in collections to my credit report without providing me the proper documentation about this debt. They said it was for XXXX XXXX and I explained to them that I didn't renew my coverage with them because I had joined another company and I stated I didn't believe them and how was they trying to collect money on insurance and to send me proof of my contract but they never did. I believe it's a fraudulent debt company trying to collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Company Name : Pottery Barn ( a division of Williams-Sonoma , Inc. ) Complaint Description : I made a purchase through Pottery Barns website, specifically from their Quick Ship section. During the ordering process, there was a bait-and-switch : the item I selected indicated quicker delivery, but upon finalizing my purchase, I was presented with a different color option and a significantly extended delivery window of 4-5 months that I did not realize when order was placed, The order was marked as final sale. Note : this is not custom furniture, and is actually everywhere in their outlets available for immediate purchase at a lower price.

Despite multiple attempts to resolve the issue with Pottery Barns customer service, I was met with extremely poor treatment. The

representative ultimately hung up on me and refused to provide me with the executive office mailing address for further escalation. Additionally, I find it highly inappropriate and concerning that Pottery Barn charged my credit card in full for merchandise that has not been shipped and will not be for several more months. On top of this, they have also withheld the rewards points I earned from this purchase, stating that I can not access or use these rewards until 30 days after the
product is delivered.

In summary : The purchase involved deceptive bait-and-switch tactics.

Pottery Barn charged my card long before shipping the product.

Rewards earned on the transaction are being unfairly withheld.

Customer service has refused escalation and terminated the call when I voiced my frustration. 

I am requesting CFPB review for deceptive business practices, unfair billing practices, and failure to provide adequate customer service or resolution. 

Requested Resolution : Immediate full refund or expedited delivery.

Release of all earned rewards.

Investigation into Pottery Barns billing and customer service practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I am submitting this complaint regarding American Express and its continued negative treatment of my credit profile due to previously reported fraudulent accounts.

In the past, multiple unauthorized and fraudulent American Express accounts were opened in my name. I reported this to American Express as identity theft, and after investigation, they acknowledged the issue and closed the fraudulent accounts. However, despite the resolution of those fraud cases, American Express is still using the prior incidents to deny me new credit. 

I recently applied for an American Express credit card on XX/XX/year>, and received a denial citing a previously closed American Express account and other historical data. This denial is attached to this complaint. It demonstrates that American Express continues to treat resolved identity theft activity as a valid basis for adverse action, which unfairly harms my ability to access credit and does not reflect the corrected status of my records. 

This ongoing impact from a previously resolved fraud issue is unjust, and I am requesting that American Express immediately update their internal records to ensure I am no longer penalized or denied access to credit products due to identity theft that I have already reported and resolved with them.

Company response to consumer: Closed with explanation