vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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: TX

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$24000.00} INQUIRIES : XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
This Capital One account is showing a balance of {$480.00} with a {$300.00} credit limit and is marked as charged off. The account was closed in XXXX, but the data is still updating as if its active. There are balance and status inconsistencies, and Capital One has failed to provide accurate verification. Im requesting this be fully deleted for FCRA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
As of XX/XX/year> I have received 100 % VA property tax exemption. Wells Fargo via XXXX XXXX continues to send checks to my XXXX and county tax offices from my escrow account. All taxing authorities are aware of my VA tax exemption and are not sending tax bills. XXXX XXXX thru the XXXX XXXX is still sending tax checks, which amounts I have requested to be paid toward my principle loan amount. No returned tax money was paid toward the principle. Last year, after jumping through many hoops, I received my tax money back but now this year the same cycle is repeating itself. I have contacted many offices from my local tax offices to XXXX, Office of Controller of Currency and now was forwarded to you for assistance with this debacle.

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 2025-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: AZ

Complaint narrative:
In early XX/XX/year>, I signed up for a Wise XXXX account on behalf of our U.S.-based nonprofit organization ( a registered XXXX ( c ) ( XXXX ) ). During the account setup, I submitted all requested verification materials, including IRS documentation and my personal ID as XXXX XXXX. Wise confirmed our nonprofit status and the account was successfully verified. 

On XX/XX/XXXX, I initiated a {$15000.00} USD international transfer to the XXXX to cover legitimate project expenses. Wise accepted the transfer and withdrew the funds from our XXXX XXXX XXXX account. However, shortly after, the transfer was paused and placed on hold pending a second, entirely new round of verification. This time, Wise required Social Security Numbers and photo IDs from all four nonprofit XXXX XXXXvoluntary positions with no ownership or controlling stake. These requirements were never disclosed during initial onboarding or found in their published XXXX policy, which clearly defines beneficial owners as those with financial or controlling interests. 

During this second verification process, Wise repeatedly changed the benchmark of what was required. First, they asked for IDs, then said they needed front and back images. After providing those, a new agent said they were no longer needed and that SSNs must instead be submitted for all board members. This constant shifting of requirements was not only confusing and time-consuming, but also inconsistent with what Wise had previously confirmed about our nonprofit classification. 

Despite multiple communications, documentation proving our nonprofit status, and confirmation that I am the sole XXXX responsible for operations, Wise continued to apply shareholder-based compliance meant for for-profit entities. This caused major delays, triggered serious concern among our board, and ultimately led Wise to cancel the transfer entirelywithout our request. As of now, the refund is still pending. Wises handling of this case was inconsistent, opaque, and incompatible with how nonprofits operate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Earnest Inc.
State: WI

Complaint narrative:
I took out a private student loan from XXXX XXXX XXXX XXXX  then to Earnest to attend XXXX XXXX XXXX XXXX XXXX XXXX University a school that was later found guilty of widespread fraud, including misrepresenting job placement rates and program credentials. The U.S. Department of Education acknowledged this and canceled all federal loans related to this school. 

Despite this ruling, Earnest has refused to discharge my private student loan ; they have now turned my loan over to XXXX. I have filed multiple applications for discharge and spoken with representatives, but they continue to hold me responsible for a loan tied to a fraudulent institution. I have not made payments on the loan in over 5 years. It is now marked as Profit and Loss Write-Off, but it still affects my credit and causes significant financial harm. XXXX stated that because my loan was moved from XXXX XXXX XXXX XXXX to Earnest, they will not forgive my loan. XXXX recommended Earnest as they could consolidate my loans with a lower interest rate. And with this financial advice, XXXX is now telling me that because a school was fraudulent, they do not have to forgive my loan? Consolidating a loan has nothing to do with a fraudulent school. 

I am requesting that Earnest forgive the balance of this loan and remove the negative reporting, in alignment with the federal governments recognition of the fraud I experienced. This loan should never have been issued in good faith. I am seeking relief through the CFPB as a final resort. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: NJ

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> TransUnioXXXX XXXX XXXX XXXXXX/XX/year> TransUnion XXXX XX/XX/year> TransUnion

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 2025-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
After unauthorized activity on multiple peer to peer apps ( XXXX, XXXX, XXXX  XXXX, zelle, etc ) was determined and after full access was restored. Once restored I tried to use my accounts again, I was able to make two transactions then it was locked/frozen again. When inquiry is made, they say the decision is at a higher level they can't do anything about it. Then they end the call. 

I am just trying to recover from fraud and identity theft and remove the negative remarks from my name. They won't tell me what I need to do, who i can contact, or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: VA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/year>, Balance : {$440.00}

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 2025-07-15 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: NY

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

1681c-2 ) that you, the Experian XXXX XXXX , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-07-15 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: TX

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

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$92.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I found out from my XXXX credit score dropping that I had a collections placed on me the month before. There was no previous calls, no mail or emails about the matter. I suspect that they may have a wrong address and phone in their files. There was no way to dispute this debt since I never got a notice. Thank you for your time!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: MD

Complaint narrative:
I was a victim of identity fraud and I have reached out to the 3 credit bureaus to remove the fraudulent accounts. It has been really hard to obtain credit and build credit with these accounts and I feel like I am in a hole i did not authorize or initate. 

I have attached documents where I reported to XXXX on the fraudulent account harming my credit The XXXX XXXXXX/XX/XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX account 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 2025-07-15 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: MD

Complaint narrative:
I was a victim of identity fraud and I have reached out to the 3 credit bureaus to remove the fraudulent accounts. It has been really hard to obtain credit and build credit with these accounts and I feel like I am in a hole i did not authorize or initate. 

I have attached documents where I reported to XXXX on the fraudulent account harming my credit The XXXX XXXXXX/XX/XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX account XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This complaint is in reference to the continued reporting of inaccurate personal identifying information on my Equifax credit report. My legal name is XXXX XXXX XXXX, but Equifax has listed my name simply as XXXX XXXX, completely omitting the suffix Jr. from my profile. This is not a trivial oversightit is a legal distinction that differentiates me from others with similar names, including my own father. 

I have submitted proper identification in the past to have this corrected, yet the issue remains unresolved. The FCRA mandates under Section 607 ( b ) that consumer reporting agencies must adopt reasonable procedures to ensure the maximum possible accuracy of the information they include in consumer reports. It is not sufficient to report close enough. Omitting the Jr. not only increases the risk of misidentification and credit file merging, but also violates this statutory duty to report accurately and clearly.

I have already experienced unnecessary scrutiny during financial account applications due to name mismatch issues. Furthermore, this type of reporting defect can cause credit confusion, mistaken identity, or even the wrongful association of derogatory tradelines that do not belong to me. Its stressful and undermines my confidence in the accuracy and fairness of the credit reporting system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: CT

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4600.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3700.00}

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 2025-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am reporting that multiple unauthorized hard inquiries, as well as fraudulent credit card and personal loan accounts, have appeared on my credit report without my consent. I believe these accounts and inquiries are the result of identity theft. 

Specifically : XXXX XXXX  Account # : XXXX, Opened XX/XX/XXXX, Noticed XX/XX/XXXX, Balance {$670.00} XXXX  XXXX Account # : XXXX, Opened XX/XX/XXXX, Balance {$240.00} XXXX XXXX XXXX Account # : XXXX, Opened XX/XX/XXXX, Noticed XX/XX/XXXX, Balance {$1300.00} In addition, there are multiple unauthorized hard inquiries from XX/XX/XXXX to XX/XX/XXXX, which I did not authorize. 

I have filed an Identity Theft Report with the Federal Trade Commission ( FTC ) on XX/XX/XXXX and provided this report to the credit reporting agencies. I have formally disputed these fraudulent accounts and inquiries and requested that they be blocked and removed in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

Despite my request and supporting documentation, these fraudulent items remain on my credit report, which violates my rights under the FCRA. I am asking the CFPB to help ensure that the credit reporting agencies comply with the law, fully block these fraudulent accounts and inquiries, and provide me with an updated credit report showing their removal. 

Thank you for your assistance in resolving this matter and protecting my consumer rights.

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 2025-07-15 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: MD

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$690.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$440.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$120.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$1200.00}

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 2025-07-15 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: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: NY

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

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief