vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Complainant : XXXX XXXX XXXX Subject : Failure to Properly Reinvestigate Disputed Information and Maintain Accuracy of Credit Report Filed Under : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, 1681e ( b ), 1681i ( 7 ) I, XXXX XXXX XXXX, am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate and unverifiable information currently reporting on my credit report. I am acting solely on my own behalf as a natural person and consumer.

I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to request detailed information about the reinvestigation procedures used by the credit reporting agency and to challenge the validity of certain personal and account-related data. Under 15 U.S.C. 1681i ( 7 ), I have the right to a complete explanation of the reinvestigation process, including : The name, address, and telephone number of the furnisher ( s ) of the disputed information ; A description of the procedure used to determine the accuracy of the information ; Documentation used to verify the item ( s ).

I am requesting a formal response within 15 days, as required by law.

Disputed Information Incorrect Personal Information : Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX Previous Address : XXXX XXXX XXXX, XXXX, CA XXXX Previous Address : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CA XXXX Employer : XXXXXXXX XXXX Employer XXXX XXXX  [ Duplicate ] Current Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX [ Duplicate ] Previous Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Disputed Accounts : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Charge Off XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois, XXXX XXXX XXXX XXXX Equifax Information Services XXXX XXXX, XXXX XXXX, GA, XXXX To Whom It May Concern : RE : Immediate Action Required Violation of United States Law : TILA ( Truth in Lending Act - 15 U.S.C. 1666 ( b ) ( Billing Error ) and FCBA ( Fair Credit Reporting Act ( 15 U.S.C. 1681 ( n ) : ______________________________________________________________________ The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : Disputed Item ( s ) : Creditor Name : Lead Bank Account Number : XXXX Issue : [ e.g., Incorrect balance, account reported as late when it was paid on time, account does not belong to me, etc. ] Upon recent review of my consumer credit report, I identified multiple serious billing errors in direct violation of the Truth In Lending Act ( TILA ) 15 U.S.C. 1666 ( b ). Specifically : Section 1666 ( b ) ( 4 ) : The creditors failure to properly reflect a payment made by the obligor ( myself ) or a credit issued.

Section 1666 ( b ) ( 5 ) : A computation error or similar accounting error on the statement issues by the creditor.

Further, the creditor failed to issue a proper billing statement 21 days prior to reporting any late payment, which is a fundamental violation under TILA and renders any such delinquency invalid or unenforceable.

I hereby demand immediate correction of the following violations : 1. Provide Verifiable Proof from the creditors original accounting records, not generic system notes showing that : A payment was missed, AND That a proper billing statement was provided according to law ( 21 days prior ), OR 2. Immediate Update all referenced accounts to Paid As Agreed on my credit profile.

Failure to comply will result in immediate legal action. Under 15 U.S.C. 1681 ( n ), civil liability attaches for negligent or willful violations of the Fair Credit Reporting Act, and I am entitled to monetary damages, punitive damages, and attorney fees.

Please Be Advised : Formal complaints have already been submitted to the Consumer Financial Protection Bureau ( CFPB ), States Attorney Generals Office, XXXX XXXX XXXX XXXX XXXX XXXX and the Federal Trade Commission ( FTC ) against your institution for investigation.

If corrections are not made within 15 calendar days of receipt of this notice, I will immediately initiate a claim in Small Claims Court seeking full damages allowable under the law, along with additional regulatory escalation.

This letter serves as your final opportunity to rectify these unlawful actions voluntarily. 

Sincerely, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am disputing the accuracy of the following name and address listed on my credit report, which are incorrect and do not belong to me : 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 I have no affiliation with this name or address, and it does not reflect my personal information. I kindly request that this The incorrect name and address should be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am disputing the accuracy of the following name and address listed on my credit report, which are incorrect and do not belong to me : 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 I have no affiliation with this name or address, and it does not reflect my personal information. I kindly request that this The incorrect name and address should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: CO

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
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. 

XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
b"WELLS FARGO threatened me to close my accounts because they said there are fraud activities on my accounts when there are not transactions what so ever at all, both accounts XXXX  balance and I barely use these accounts\n\nWELLS FARGO credit card department put on temporary restriction both of my credit cards for security reason  and or fraud on my account.\nI wanna be clear there is not fraud on my accounts what so ever, my accounts are in good standing and have both XXXX balance.\nI called several times the phone number provided but they put me on hold and transfer me back and forth to different deparments which they have no clue at all and they are not able to give me a reason.\nI have one of this account since XXXX  and another one since XXXX. Now they wake up and they ask me for I don't know which more information. I want to complaing about the bad customer service provided by Wells Fargo customer service received and for the bad treatment received. Nobody never called me to tell me what's going on. I want these accounts to be unblocked because I have done nothing wrong. This is a mistake by Wells Fargo because I'm the legitime cardholder and I can provide all my personal identification like ID, PASSPORT, SSN CARD again like I when I been approved these accounts back in time.\nI ask CFPB to step in and help me with this issue because Im having hard time to deal directly with Wells Fargo because their customer service, help and support is very lack of professionality\n\naccount number XXXX XXXX XXXX XXXX XXXX WELLS FARGO AUTOGRAPH VISA CARD\naccount number # XXXX XXXX XXXX XXXX WELLS FARGO 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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the credit reporting agencies for continuing to report inaccurate information on my credit report regarding an auto loan account that should no longer be reflected in the manner it currently is.

The account in question is listed as : Creditor Name : XXXX XXXX XXXX  Account Number : # XXXX Date Opened : XX/XX/year> Credit Reporting Bureau ( s ) : XXXX XXXX Equifax I disputed this account directly with the credit bureaus twice now and requested a proper investigation into the accuracy of the information being reported. Unfortunately, my dispute was returned as verified, yet no valid documentation or any verification was provided. I was simply given a generic statement from the credit bureau stating that the information was verified by the furnisher, without supplying any actual documentation, signed contracts, payment history, or validation from XXXX XXXX that would justify continued reporting.They literally just take XXXX XXXXXXXX word for it, a bank who has a track record of getting caught with illegal activity against its own customers.

This is a violation of the Fair Credit Reporting Act ( FCRA ), specifically : 611 ( 15 U.S.C. 1681i ) Failure to conduct a reasonable reinvestigation 623 ( 15 U.S.C. 1681s-2 ) Furnishing inaccurate information Under FCRA and case law, the credit bureaus are obligated to conduct a thorough investigation when a consumer files a dispute, not simply parrot the information provided by the creditor. The failure to provide substantiating documentation or properly verify the account constitutes negligent and willful noncompliance.

How could they conduct a thorough investigation but dont display my monthly payment?

There are also wrongly displayed late payments on my report along with all 3 credit bureaus reporting this differently.

Clearly they did absolutely nothing to verify this and it is hurting myself from purchasing a home for my family. This is not right. Im not going to go away until they make it right.

The account is still being reported inaccurately and is severely hurting my credit score. Please, I am requesting that the CFPB step in immediately and help me with both XXXX XXXX and the credit reporting agencies to delete this account completely from my credit reports due to their failure to conduct a proper investigation and correct the false information. Also there is no history showing I even disputed this on my credit report Please consider this letter as part of a formal complaint record and take appropriate action under your authority. I am also copying this complaint to the California Attorney General and will seek legal counsel to pursue damages as provided under FCRA, including {$1000.00} per violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened at XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX balance of {$6000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I just accessed my HSA account, in which my previous XXXX XXXX XXXX XXXX XXXXXXXX  and noticed I was charged {$2.00} monthly fee for 71 months. Total fees are {$170.00} that I would like reimbursed. i was never told about these charges. I could use the money for my XXXXXXXX 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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Greetings, I am submitting this complaint concerning fraudulent items in my file. I am pleased to note that Experian Credit Bureau has already removed all fraudulent items from my file. Today, I am requesting once again the removal of the remaining items from Equifax and TransUnion Credit Bureaus, as it is in violation of the Fair Credit Reporting Act, specifically 15 USC sections 1681. This request is made within the time declared by law, as the continued reporting of untruthful information is adversely affecting my credit. Please find below a summary of the remaining items that are still appearing on my report : XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX Balance {$4400.00} XXXX XXXX XXXX Balance {$2500.00} XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX, CA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Greetings, I am submitting this complaint concerning fraudulent items in my file. I am pleased to note that Experian Credit Bureau has already removed all fraudulent items from my file. Today, I am requesting once again the removal of the remaining items from Equifax and TransUnion Credit Bureaus, as it is in violation of the Fair Credit Reporting Act, specifically 15 USC sections 1681. This request is made within the time declared by law, as the continued reporting of untruthful information is adversely affecting my credit. Please find below a summary of the remaining items that are still appearing on my report : XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX Balance {$4400.00} XXXX XXXX XXXX Balance {$2500.00} XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX, CA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, 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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file.

Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification.

Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within 30 calendar days of receipt of this correspondence, you must effectuate immediate deletion of the accounts from all versions of my credit report.

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards. 

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data ( e.g., XXXX v. Equifax {$18.00} XXXX ; XXXX v. TransUnion {$5.00} XXXX ). 

The CFPB recently secured a {$15.00} XXXX settlement after systemic investigatory and procedural lapses. 

Accordingly, I require either : A certified copy of the original wetink signed agreement ; or XXXX confirmation that this account has been permanently deleted from all credit files you maintain. XXXX XXXXXX/XX/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