vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 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: TX

Complaint narrative:
This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency , block and remove 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 few Personal credit card Accounts. 


ACCOUNT NAME : 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 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 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 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, collections, and hard inquiries result from 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 2025-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
XX/XX/year> This company had no right selling the account when I made the payments. Furthermore they never informed me that the payments were returned. I never received a letter email or phone call from th em. So I called and made a payment arrangement with them ba k in XXXX. When they were not following through the payment arrangement I called in XXXX and also made the payments. They never mentioned that the account was sold. They are in the wrong. They accepted the payments in XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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 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! 

"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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:
I am a victim of the Equifax data breach please see attachments below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: CA

Complaint narrative:
I recently checked my credit reports and noticed billing errors, incomplete, and inaccurate information. You are in serious violation of the United States Code Law ( TILA ) 15 U.S. Code 1666 ( b ), billing 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 non-monetary relief
Consumer complaint received 2025-05-16 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: MI

Complaint narrative:
I am writing to formally request the removal of fraudulent information from my credit file. I am a victim of identity theft, and there are multiple accounts and inquiries listed on my credit report that I did not authorize or apply for. These items are not accurate and do not belong to me. 

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove the unauthorized accounts and inquiries from my credit report. Attached to this letter, you will find a list of the disputed items as well as a copy of my Identity Theft Report filed with the Federal Trade Commission. 

Please take the necessary steps to investigate and delete these items from my credit report as soon as possible. I appreciate your prompt attention to this matter and request written confirmation once the corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: NH

Complaint narrative:
I am writing to request the immediate investigation and removal of unauthorized accounts appearing on my credit report. I did not open or approve these accounts, and I am unfamiliar with their source. As provided under USC 1681g, I formally request that they be deleted within 15 days. Enclosed are relevant documents for your review. It is also important to note that conflicting and inaccurate account data is being reported to each bureau.

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 2025-05-16 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:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I disputed transactions that was coming out of my cash app for a months and they approved XXXX transactions from the same vendor and denied XXXX transaction the same vendor dead and is talking about closing my Cash app now because they do not want to pay me back my money when I reported it fraudulent and I gave them evidence my user name is XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: RI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We are in an XXXX  loan that has gone from 3 % to 8 %. We dont believe the rates charged are proper. We were in a forebearance program that was suggested by the Wells Fargo people. However we found another lender that was willing to lend us at 6.74 % interest only. We asked for a payoff and WF said they had to take us out of the forebearance program to give us a payoff. This is policy, not law. And now we know why. When they took us out of forebearance they placed us in foreclosure. They asked for XXXX to be paid by XX/XX/XXXX. We paid it on XX/XX/XXXX. On XX/XX/XXXX, at XXXX PM, late in the day here in CA, they filed an XXXX  knowing we were not in default. The new lender saw that and backed out of the loan, Now we are stuck with Wells at 8 %. This is why they took us out of the forebearance to give us a payoff. They have likely done this with thousands of XXXX  loans. If this is not illegal, it should be. I ask that they expunge the record of their illegal XXXX  and be forved to match the loan offer we got from XXXX XXXX, which their illegal XXXX  caused to disappear. Also, we paid for an appraisal of our property at a cost for {$900.00}. We ask for that and any legal expenses.

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 2025-05-16 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-16 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
The company XXXX XXXX closed my debit card in XX/XX/scrub> 2024 WITHOUT notifying me. This was for payments from the XXXX XXXX Department during my XXXX status. They claim the card had been used fraudulently even though it never left my possession. So how did someone get my card number....?.... had to be from XXXX XXXX XXXX In XXXX when I called them to get my payment I was informed I had to file a dispute which I did. ( I was informed by the XXXX they should have returned the funds to the state when they closed my card... but the XXXX XXXX kept the money. ) By the end of XXXX, when I again called them, they informed me they sent a check to me and it was cashed. When I told them I never received the check, I had to file another dispute which would take XXXX days. Atter XXXX days, on XX/XX/XXXX, I contacted XXXX XXXX and was told my dispute/claim was denied. AGAIN I was never notified. They can see by my debit card use that I only deposit the funds from my debit card into my bank account. But they still refuse to give me any information as to where their check had supposedly been cashed and now refuse to pay my {$2200.00} benefit from XX/XX/year>2024. This company is acting fraudulently and my payment that is long overdue!! This fraudulent activity has been reported to the XXXX XXXX Department. They referred me to the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: UT

Complaint narrative:
I have received two prepaid gift cards. One card is Mastercard with {$50.00} value. The other is a Visa but the amount is unknown because the website won't allow registration of the card to find out the balance. Both refer to the website prepaidgiftbalance.com to activate/register the card.

Neither card registration was successful with the website. Both card numbers received the same error saying I needed to try inputting the card information again and both had a bar at the top of the website which said " Please update your 4-digit PIN code used for debit transactions by calling the number on the back of your card. '' On XX/XX/year> I twice called the number on the back of both cards, XXXX, and reported the errors. The phone agent asked for the prepaid gift card numbers and the pins included in the packaging. I gave the information but was told both cards had insufficient funds because they weren't activated by the retailer. The agent said I needed to be refunded by the retailer who sold the cards and then hung up on me. 
I received these gift cards as a gift from different sources. XXXX from a former supervisor and XXXX from a friend. It isn't realistic they know which retailer they purchased the cards from nor do I believe these cards were stolen.

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 2025-05-16 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: NC

Complaint narrative:
I have neither authorized this inquiry nor engaged in any discussions with the lender on that date.

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have neither authorized this inquiry nor engaged in any discussions with the lender on that date.

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 2025-05-16 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
A hard inquiry on my credit for a Citibank Best Buy credit card XX/XX/2025 XXXX XXXX alerted me. 
I called Citi bank Best Buy, they canceled the account +card ( XX/XX/2025 ) Card opened by someone in VA 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 2025-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XX/XX/year> Bank of America Customer Service Department XXXX XXXX XXXX XXXX, FL XXXX Subject : Formal Complaint Regarding Mishandling of Fraud Claim # XXXX ( {$3700.00} ) To Whom It May Concern, I am writing to formally lodge a complaint regarding Bank of America 's gross mishandling of fraud claim number XXXX, in the amount of {$3700.00}. It has now been over XXXX months since I first reported the fraudulent activity, and not only has the matter not been resolved, but I have also been subjected to an appalling lack of professionalism, integrity, and transparency from your institution. Since initiating the claim, I have been repeatedly transferred from representative to representative with no consistency, no accountability, and no clear updates. I have been misled, lied to, and manipulated by your staff. Most disturbingly, XXXX, an XXXX account assistant at Bank of America, admitted on a recorded line that I was intentionally misinformed and subjected to the runaround. This admission underscores what has been evident throughout this entire process : a complete failure to protect and support your customer. To make matters worse, of the total {$3700.00} in fraudulent charges, I was refunded a mere XXXX XXXXXXXX covering some minor online purchases. The actual fraudulent charges that made up the bulk of the loss were completely ignored and remain unresolved. This pitiful response is not only inadequate but insulting, given the gravity of the situation. The level of incompetence and negligence exhibited by your fraud department is unacceptable. Not only have I lost trust in your institution, but I have also suffered unnecessary stress, wasted time, and financial instability due to your inability to handle this case properly. I am demanding the following, effective immediately : - A full written explanation for the delays, deception, and mishandling of my case - A thorough internal investigation into all interactions and misrepresentations made by your staff- The immediate reimbursement of the remaining {$3600.00} associated with claim # XXXX - A direct point of contact to ensure all future communications are consistent and accountable If I do not receive a satisfactory resolution within XXXX business days, I will be filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Office of the Comptroller of the Currency ( OCC ), and exploring legal action against Bank of America for failure to uphold its fiduciary and ethical responsibilities. This situation is unacceptable. I expect and demand immediate action. 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 monetary relief
Consumer complaint received 2025-05-16 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: AZ

Complaint narrative:
Hi, my experience with identity fraud has led me to a lot of troubling situations. Im the victim of someone who stole my identity. Please help me get to this person and please help me remove these things from my account. Everything you need will be attached in the supporting documents below. Please see attached proof of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: General Motors Financial Company, Inc.
State: TN

Complaint narrative:
YOU KEEP CLOSING MY COMPLAINT STATING ITS THE SAME WHEN ITS NOT! 
GM FINANCIAL HAS MY CREDIT MESSED UP, PLEASE LOOK INTO

Company response to consumer: Closed with explanation