vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

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.

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 explanation
Consumer complaint received 2025-07-04 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: VA

Complaint narrative:
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. 
I am filing this FTC Identity Theft Affidavit to report fraudulent accounts appearing on my consumer XXXX XXXX, Equifax, and XXXX  reports which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card account opened at 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 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 XXXXXXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the fraudulent items be removed from my consumer credit reportsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX 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. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My debit card was stolen and my card was charged for {$3100.00} on XX/XX/year>. I did not authorize this transaction and didnt have my card. On the same day I charged my card using my XXXX XXXX in a different city as someone was using my physical card. I disputed this charged with Wells Fargo but they are not refunding me my money. And I called the store no one is allowed to give me more details. 
Please help me get my money back

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 2025-07-04 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: LA

Complaint narrative:
No Contract / No Authorization to Report Dispute of Alleged Debt ( {$2100.00} ) To Whom It May Concern, I am writing to formally dispute the validity of an alleged debt in the amount of {$2100.00} that your company, XXXX XXXX XXXX, has reported to the credit bureaus in connection with my name and/or Social Security number . 

I have no recollection of any contract, agreement, or business relationship with your company, and I have not been presented with any verifiable evidence of such a contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

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.

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 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 2025-07-04 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 demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectifytheseissues. 
Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : 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 2025-07-04 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-07-04 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: ClearOne Advantage, LLC
State: KY

Complaint narrative:
Initially the flyer sent to my home was for a debt consolidation loan but it turned out to be debt settlement. Then I got a notification that said they had reached a settlement for me and that no additional funds were required to make the settlement so I authorized it. Then I missed a payment and they told me because of the missed payment the settlement had fallen through, meaning that there were indeed funds needed to make the settlement. So I decided to go with a different debt settlement company and cancel the plan and get my money back but in doing so I have discovered that when I authorized the settlement they had taken all of the money ( {$3300.00} ) from my global account and payed it to themselves as a fee and paid one of my creditors {$25.00} without my authorization as the initial settlement that I did authorize had fallen through. Now theyre saying that I also owe them {$310.00} in extra fees. have tried to speak with them about this issue but they have put me on hold until they closed for the day and told me I would receive a phone call from the manager that I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX  XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual abou t whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 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 2025-07-04 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: MS

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: NC

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX  credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual abou t whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2025-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
{$1400.00} went to the wrong person and I was told that my money would be returned after 90days I kept getting the run around I was asked to check my statements which show they had not returned the money started XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Thursday, XX/XX/year> I received a call from Wells Fargo. The call person basically said she's a pirate and is unable to comply with reading my name properly and I refuse to verify your account. I converted into responding by XXXXXXXX XXXX XXXX where I just agree to everything she said because she tried to addressed me by my first name instead of XXXX XXXX. I felt robbed by this customer service associate. Customer service refused to recognize first name as a two capital letter first name and chose to associate racist profile of no credit to my first name to result in denial of service by pirate associate. I'm a multi-trillionaire and the services provided to middle class is unacceptable where bank associates are aloud to speak slang or even speak two languages at once. A charge card is a no limit credit card. The customer service associate refused to verify identity by english rules. She said she's holding my account hostage for the near future. The computer illegally changed my name and I need you to correct it. Customer service acts incompetent to providing customer service to provide the propper credit file. The name the computer changed my name to has no credit while my real name has a perfect credit file assigned to it of XXXX that customer services refuse to give me over the computer. I told her I have to update my name on ID and Social security card as the computer changed my name on ID with the wrong input and she was unable to recognize error report and provide I service of my perfect credit file. My name is XXXX ( XXXX XXXX ) with perfect credit and theres a credit file name XXXX ( XXXX XXXX of my name XXXX XXXX XXXX XXXX XXXX that is preventing staff from providing I services. There could even be a mafia person threatening the bank is what it seems like because my state name XXXX ( XXXX XXXX ) has power over federal government computer input error.

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 2025-07-04 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: KY

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " Theres is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX XXXX, and XXXX  are consumer reporting agencies and i am the consumer. It has been brought to my attention that through the data breaches, all of my information is being sold, misused, and without my consent. The financial Institution and the Consumer reporting agencies Credit Karma, XXXX XXXX, and XXXX  do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX Credit karma, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose non public personal information to a nonaffiliated third party unless -- - the consumer is given an explaination of how the consumer can exercise that nondisclosure option. 15 USC 1681s - 2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to aqny consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. 15 USC 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid voilations of section 1681c of this title and to limit the furnishing of consumer reports. Credit Karma, XXXX XXXX  and XXXX are not maintaining reasonable procedures. According to 12 CFR 1016.7 " A consumer may exercise the right to opt out at any time. '' I am choosing to opt out of your reporting agencies. I have the right to make sure my private information isnt shared which is backed by 15 USC 6801 stating that each finacial institution has an infirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: IL

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectifytheseissues. 
Account Name : XXXX XXXXXXXX Account Number : : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 2025-07-04 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I am filing this identity theft dispute under the Fair Credit Reporting Act ( FCRA ), specifically invoking my rights under 15 U.S. Code 1681c-2 ( Section 605B ). My name is XXXX XXXX, and I am the victim of identity theft. Due to the common nature of my name, I believe that fraudulent or misattributed accounts may have been incorrectly linked to my consumer file, including through data breaches involving XXXX and potentially XXXX. These accounts do not belong to me, and their continued presence on my Innovis file is a violation of federal law. 

To support this dispute, I have submitted all required documentation including : My FTC Identity Theft Report ( Reference XXXX. XXXX ) A government-issued photo ID Proof of current address A written statement identifying the following fraudulent accounts The accounts in question are : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX, Balance : {$1600.00} XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX, Balance : {$1300.00} XXXX XXXX XXXX Account number XXXX, Balance : {$4600.00} XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account number undisclosed, Balance unknown I did not apply for, authorize, or benefit from these accounts. No permissible purpose exists under FCRA 1681b ( a ) ( 2 ) to justify their presence on my consumer report. Under FCRA 1681c-2 ( c ), Innovis is legally required to block identity theft-related tradelines within four ( 4 ) business days of receiving a valid identity theft report and supporting documents.

These accounts also violate multiple provisions of federal law : FCRA 1681e ( b ) Failure to ensure maximum possible accuracy FCRA 1681c ( a ) ( 4 ) Illegal re-aging of derogatory data FCRA 1681i ( a ) ( 5 ) ( A ) Refusal to delete unverifiable or misleading data 26 U.S. Code 6050P Failure to issue a 1099-C for canceled debt over {$600.00} where applicable

Company response to consumer: Closed with explanation