vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-07 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: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-10-07 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: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-10-07 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Subject : Urgent Request for Investigation and Verification of Successful Payments from Checking Account Ending in XXXX To Whom It May Concern : I am writing to request an urgent investigation into several payments made from my Bank of America checking account ( ending in XXXX ) to my XXXX XXXX XXXX XXXX ( account ending in XXXX ). 

I am currently in a dispute with XXXX XXXX, as they have claimed that several payments failed, resulting in significant interest charges and negative reporting to credit bureaus. However, my Bank of America statements clearly show that these funds were successfully withdrawn from my account and were never returned. 

This discrepancy is causing me significant financial and administrative hardship. To resolve my dispute with XXXX XXXX, I require official confirmation from Bank of America that these specific payments were successfully processed and sent. 

The key payments in question are : Payment of {$5900.00} on XX/XX/year> : My Bank of America statement ( covering XX/XX/XXXX - XX/XX/year> ) shows a withdrawal described as " XXXX XXXX XXXX XXXX : RETRY PYMT '' for {$5900.00}. My statements confirm these funds left my account and were never returned. XXXX XXXX, however, claims this payment failed and has reversed the credit on their end. 

Payment of {$5700.00} on XX/XX/year> : My Bank of America statement ( covering XX/XX/XXXX - XX/XX/year> ) shows a withdrawal described as " XXXX XXXX XXXX XXXX : XXXX '' for {$5700.00}. My statements confirm these funds also left my account and were never returned. XXXX XXXX 's records do not appear to reflect the receipt of this payment. 

Desired Resolution : I request that Bank of America take the following actions : Conduct a trace or internal investigation on the two specific withdrawals detailed above. 

Provide me with official written confirmation or documentation proving that these funds were successfully transferred from my account to XXXX XXXX and were not subsequently returned to Bank of America. 

This documentation is critical for me to prove my case with XXXX XXXX and the consumer protection agencies I am filing complaints with. Your prompt attention to this matter is greatly appreciated. 

I have attached copies of the relevant Bank of America statements for your reference. 

Sincerely, 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 2025-10-07 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: MI

Complaint narrative:
Dear CFPB Representative, I am filing this formal complaint and dispute under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681b, 1681c-2, and 1681i, regarding inaccurate, unverifiable, and fraudulent information appearing on my credit reports maintained by Equifax, Experian, and TransUnion.

Upon reviewing my credit files, I discovered multiple delinquent accounts, negative entries, and unauthorized hard inquiries that I did not initiate or authorize. These items are inaccurate, unverifiable, and appear to be the result of identity theft or misuse of my personal information following a data breach exposure.

Pursuant to 15 U.S.C. 1681c-2 ( a ), I am formally requesting that these items be blocked and permanently removed from my credit reports without unreasonable delay. This statute specifically grants consumers the right to have fraudulent or identity theftrelated information deleted from their files once proper notice is provided.

Furthermore, under 15 U.S.C. 1681b, credit reporting agencies are prohibited from releasing or reporting credit inquiries or data unless there is a permissible purpose. Since the hard inquiries in question were made without my authorization, they must also be immediately removed. 

As required by 15 U.S.C. 1681i, credit reporting agencies must reinvestigate disputed information and delete any data that can not be verified within the statutory period.

Failure to comply with these obligations constitutes a violation of the FCRA and may subject the involved entities to civil liability and damages under 15 U.S.C. 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ).

I am requesting the CFPBs oversight to ensure that the credit reporting agencies and furnishers act in full compliance with federal law and promptly remove the following disputed and unauthorized entries :

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 2025-10-07 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: MI

Complaint narrative:
Dear CFPB Representative, I am filing this formal complaint and dispute under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681b, 1681c-2, and 1681i, regarding inaccurate, unverifiable, and fraudulent information appearing on my credit reports maintained by Equifax, Experian, and TransUnion.

Upon reviewing my credit files, I discovered multiple delinquent accounts, negative entries, and unauthorized hard inquiries that I did not initiate or authorize. These items are inaccurate, unverifiable, and appear to be the result of identity theft or misuse of my personal information following a data breach exposure.

Pursuant to 15 U.S.C. 1681c-2 ( a ), I am formally requesting that these items be blocked and permanently removed from my credit reports without unreasonable delay. This statute specifically grants consumers the right to have fraudulent or identity theftrelated information deleted from their files once proper notice is provided.

Furthermore, under 15 U.S.C. 1681b, credit reporting agencies are prohibited from releasing or reporting credit inquiries or data unless there is a permissible purpose. Since the hard inquiries in question were made without my authorization, they must also be immediately removed. 

As required by 15 U.S.C. 1681i, credit reporting agencies must reinvestigate disputed information and delete any data that can not be verified within the statutory period.

Failure to comply with these obligations constitutes a violation of the FCRA and may subject the involved entities to civil liability and damages under 15 U.S.C. 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ).

I am requesting the CFPBs oversight to ensure that the credit reporting agencies and furnishers act in full compliance with federal law and promptly remove the following disputed and unauthorized entries :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Subject : Consumer Complaint : Difficulty Canceling Wells Fargo Credit Card Application for XXXX XXXX XXXX  Dear CFPB, I am filing this complaint regarding issues with canceling a credit card application initiated through XXXX XXXX XXXX and financed by Wells Fargo Bank , N.A . On XX/XX/year>, a representative named XXXX from XXXX XXXX XXXX visited my home for a flooring consultation. During this in-home visit, the price quoted changed unexpectedly from what was initially discussed, leading me to decide against proceeding with the purchase. 
Immediately after the visit ( within XXXX hours ), I requested cancellation from XXXX, as I had no intent to move forward. I also contacted Wells Fargo Customer Service at XXXX and sent written cancellation requests via email and certified mail to their XXXX XXXX, IA address, referencing the application date and my email ( XXXX ). Additionally, I emailed XXXX XXXX XXXXXXXX customer service at XXXX to confirm cancellation on their end. 
Despite these efforts, XXXX has been giving me a hard time about closing the account, refusing to provide necessary cancellation forms promptly and delaying the process. This has caused unnecessary stress and potential harm, as the application may impact my credit if not fully canceled. The attached documents include the Wells Fargo automated email confirmation of the application, the Credit Card Agreement PDF, and copies of my cancellation correspondence. 
Under Texas law for door-to-door or in-home sales ( Texas Business & Commerce Code Chapter 601 ) , consumers have a right to cancel certain transactions within three business days, and the merchant must facilitate this without misrepresentation. Furthermore, federal protections under the Truth in Lending Act support prompt cancellation of credit applications to avoid unfair practices. Wells Fargo has a history of issues with complaint resolutions, including credit card disputes. 
I request that the CFPB forward this complaint to Wells Fargo and XXXX XXXX XXXX, investigate the delays, ensure the application is fully canceled with no credit impact, and provide me with confirmation. Please advise on next steps. 
Thank you. 
Sincerely, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Email : XXXX Attachments : Wells Fargo email and PDF, cancellation emails/letters.

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 2025-10-07 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:
accounts fraudulent due to the TransUnion data breach experienced in XXXX of 2025

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 2025-10-07 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:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-07 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/XXXX, someone fraudulently accessed my PayPal account and made a {$2000.00} payment to XXXX XXXX, a name I do not recognize. 

That same evening, they also made a {$10.00} charge, which I reported, and PayPal refunded it, acknowledging that fraud did occur. 

A third charge, a {$5000.00} payment attempt, was initiated 30 minutes later, but I noticed the activity and contacted my bank in real-time, and they successfully blocked the {$5000.00} transfer while it was still pending. 

I later discovered that my email was also compromised, and filters had been created to hide PayPal alerts and financial emails, which delayed my ability to detect the unauthorized charges. 

I reported all of this to PayPal immediately. I also provided : Screenshots of all charges Proof the {$10.00} was refunded by PayPal ( admitting part of the fraud ) Evidence of the blocked {$5000.00} attempt A copy of my XXXX PayPal history, which includes only small personal purchases A wedding vendor invoice from XXXX that PayPal falsely used to justify the {$2000.00} PayPal is now refusing to acknowledge the {$2000.00} as unauthorized, claiming it was consistent with usage due to a legitimate wedding photographer payment made a year earlier. 

That charge was made to a known vendor for a pre-booked service, with an invoice and full conversation history. In contrast, the {$2000.00} in question went to a random name and was part of a fraudulent sequence of escalating charges, already partially confirmed as fraud by PayPal. 

I am requesting the CFPBs assistance in resolving this matter and having the {$2000.00} fraudulent charge fully reversed and removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
On XX/XX/year>, a woman impersonated me to XXXX XXXX, where I have a checking and savings account along with a credit card. She was able to steal {$32000.00} from my savings. However, there was a XXXX wire transfer to my niece ( who didn't receive the transfer ) and and inter-account transfer of {$140.00} from checking to savings before wiping the savings account clean. XXXX has placed a recall on the wire transfer to the receiving bank, Bank of America, but the money has not yet been recovered. What is distressing about this is the fact that I never wire money outside of my savings account, just from savings to checking and rarely vice versa. This event occurred three days after being released from the hospital, where an assailant invaded my home, assaulted me and then threw me down a flight of stairs, thereby XXXX XXXX XXXX XXXX. Also, I have ID Theft insurance through XXXX credit card via XXXX and I tried to file a claim to recover the funds that way. They have rejected the claim but I am in the process of appealing it. I've recently learned from detectives that the fraud began at XXXX XXXX ( there are 12 cases like this throughout the XXXX, I'm the 13th - there may be more ). Upon admission and after staff learned I do not have a power of attorney, a woman forced me to sign a piece of paper saying that I didn't have a right to expect a reasonable amount of privacy in terms of personal information. She said if I didn't sign it, they wouldn't treat me. I was completely out of it due to the massive amount of XXXX XXXX and from the shock associated with the invasion. When the fraud occurred, they knew certain details about me that they could only have learned from the hospital. If I didn't have to go to the hospital, I wouldn't have been robbed.

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 2025-10-07 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: MN

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate 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 non-monetary relief
Consumer complaint received 2025-10-07 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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.

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