vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-05 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
IDENTITY THEFT BLOCK REQUEST 15 U.S.C. 1681c-2 Re : Request to Block Fraudulent Information Under 15 U.S.C. 1681c-2 To Whom It May Concern : I am formally requesting that your agency block and delete all fraudulent accounts and inquiries that resulted from identity theft, as required under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ).

I have included the required documentation to prove my identity and the identity theft, including : FTC Identity Theft Report Government-issued ID Social Security documentation Proof of address These documents meet the statutory requirements for processing an identity theft block under the FCRA. A police report is not required under federal law, and you must accept my FTC Identity Theft Report as sufficient documentation. 

Fraudulent Accounts to Be Blocked : Account Name : XXXX XXXX XXXX Account Amount : {$700.00} Account Number : XXXX Original Creditor : XXXX XXXX Account Name : XXXX XXXX XXXX Account Amount : {$390.00} Account Number : XXXX These accounts were not opened or authorized by me, and I am requesting an immediate block and deletion. 

FCRA Compliance Requirement Under 15 U.S.C. 1681c-2 ( a ) and ( b ) your agency is required to block the reporting of this fraudulent information within 4 business days of receiving : 1. Proof of identity, 2. A valid identity theft report, and 3. Identification of fraudulent information.

I have provided all required information.

Demand I therefore demand that you : 1. Block and delete the fraudulent accounts and related information within 4 business days, 2. Provide me written confirmation of the deletion, and 3. Send an updated copy of my credit report once the block is complete. 

Failure to comply will result in formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Thank you for your prompt attention. Please send confirmation to the mailing address listed above. 

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 2025-12-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: IL

Complaint narrative:
XXXX. I called to ask if they need additional information for PSLF they said I have to pay! I asked if I qualify why am I being asked to pay? 
ED Financial refused to provide a promissory note.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: TN

Complaint narrative:
I am submitting this complaint because your bureau continues to report a fraudulent account from XXXX XXXX XXXX XXXX, Account XXXX, despite my identity-theft filing and reinvestigation requests. 

I have now obtained new evidenceprovided by XXXX themselvesshowing that the loan agreement they rely on is fabricated and fraudulent. 

Key Facts Proving XXXX and XXXX : XXXX. XXXX document lists an address that does not exist : XXXX XXXX XXXX XXXX, XXXX, TN XXXX - USPS confirms this is not a real address. 
- I have never lived there. 

XXXX. My actual XXXX XXXXddress was : XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX - XXXX did NOT use this address. 

XXXX. XXXX used an IP address that maps to ZIP XXXX, a ZIP code I have never lived in or used. 

These contradictions prove that the XXXX account is not mine and that its documentation is not legitimate, not verifiable, and not accurate. 

Your Legal Obligations : FCRA 605B : You must block this fraudulent account.

FCRA 1681i : You must permanently delete unverifiable and factually inaccurate information.

FCRA 1681e ( b ) : Continuing to report known false data violates reasonable accuracy procedures. 

Exhibits Provided : My original FTC Identity Theft Report ( Exhibit A ) My government ID ( Exhibit B ) Proof of current address ( Exhibit C ) Evidence demonstrating the address contradictions : -Falsified/phony Loan Document from XXXX XXXX XXXX XXXX XXXX address and IP address circled ( Exhibit D ) -Proof of previous address ( Exhibit E ) -Proof of current address ( Exhibit F ) -USPS proof that claimed address on phone loan doc is not valid ( Exhibit G ) -Proof XXXX provided this bogus document in a XXXX  response ( Exhibit H ) -Proof IP address is in a third Zipcode ( Exhibit I ) Requested CFPB Action : Compel immediate 605B blocking Compel permanent deletion under FCRA 1681i Require your bureau to update its accuracy procedures Provide written confirmation of deletion

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 2025-12-05 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:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report XXXX is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 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: AZ

Complaint narrative:
TransUnion is reporting hard inquiries that I did not authorize. These inquiries do not have a documented permissible purpose as required under FCRA 604 ( a ). I asked TransUnion to provide the furnishers certification and the permissible purpose, and they failed to provide either. If an inquiry can not be validated, it can not remain under FCRA 611 ( a ).

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 2025-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
The company did not provide me a 1099-C. The IRS is requesting me to provide the 1099-C to file taxes correctly and accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-12-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened a dispute with Capital One in XXXX for the trasaction with date XX/XX/year>, XXXX # XXXX. The dispute reason was that the merchant XXXX had not sent the purchased capuccino cups. The amount disputed was {$66.00}. The case number is XXXX Capital One originally credited my account, but then reversed the credit, claiming that the merchant refunded me already. This is not correct, as I explained to Capital One in many letters. 

The merchant refunded me for a different order # XXXX with date XX/XX/year>. This transaction was for a total of {$74.00}. I have provided the merchant refund authorization to Capital One. 

I never disputed order # XXXX with Capital One, I called the merchant directly. 

I have sent many letters to Capital One notifying then of this error. I told them many times that my dispute was for order # XXXX but all my attempts to clarify have been dismissed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-05 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: VA

Complaint narrative:
Under FCRA 607 ( b ) and 611, I dispute this account reported by XXXX XXXX XXXX on my TransUnion credit file for total amount $ XXXX request all documents and records used to verify this debt, including statements, payment history, notices, and any correspondence from the original creditor, XXXX XXXX XXXX I also request that if these documents can not be provided, this account be removed immediately from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I have opened a checking account in Wells Fargo bank on XX/XX/XXXX online. Since there were no funds available in this new account, I wanted to deposit some money from my business account, which is with XXXXXXXX XXXX I wrote a check from my business account and uploaded it to the Wells Fargo bank using the app from my phone. When taking the pictures of the front and back of the check, I used XXXX of the center tables in my home which has a black glass top the resembles like a computer screen. When I tried to upload, the app gave an error that the check can not be uploaded online, and I need to physically go to a Wells Fargo bank and submit it. Since I live in XXXX, Ohio where there are no physical banks for Wells Fargo, I thought I will wait for my salary to be deposited in my business checking account and then I will transfer. But on XX/XX/year>, Wells Fargo sent an email stating that my account is blocked and it will be closed permanently on XX/XX/year>. And the reason that was stated in the email was that " Someone tried to deposit a fraud or a fake check that seemed to be manipulated or a " picture '' of the check was taken instead of uploading a real check ''. But the reality is that it was my own company check that I tried to upload, and they thought it was a fake check. I talked to the customer service and was asked to go to one of the Wells Fargo Advisor branches in XXXX, OH where I can submit my proof of ID along with the check that I tried to upload and once XXXX of the Wells Fargo Advisors authenticate my details, account can be unblocked. But to my surprise, the Wells Fargo advisor and me were on the phone for more than XXXX hours talking to different people and finally I was told that the account can not be unblocked or I can not even create a new account with them. My salary and additional funds are stuck in that account and they blocked my online app also, for me to at least transfer that money to a different account. 

This is really atrocious and inhumane to treat customers like this and leaving them stranded in the air without giving proper explanation or a reason why the accounts are being closed. In my case, I was literally trying to upload my own business checking account check to my own Wells Fargo checking account, but still the account was closed ruthlessly and illogically. These kinds of bank practices are ridiculous, and I am already having trouble paying my mortgage and other bills because the money is stuck with the bank. 

Thanks 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 2025-12-05 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: IL

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 2025-12-05 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: MA

Complaint narrative:
A fraudulent XXXX XXXX credit card account ending in XXXX is appearing on my TransUnion credit report. I did not open or authorize this account. I filed an FTC Identity Theft Report and sent TransUnion a complete fraud-block package, including my ID, proof of address, and a written identity theft statement. 

Under FCRA 605B, TransUnion was required to block this account within 4 business days. Instead, TransUnion kept reporting the account and told me XXXX XXXX had verified it. However, XXXX XXXX has admitted in writing that it can not provide a signed application or any authentication documents for this account ( there is not a signed copy of an application to provide ). 

TransUnion continues to report an account resulting from identity theft that the furnisher can not verify. This violates FCRA 605B ( failure to block ), 611 ( a ) ( unverifiable information must be deleted ), and 607 ( b ) ( duty to assure maximum possible accuracy ). I am asking CFPB to require TransUnion to block and delete this fraudulent XXXX XXXX account and correct my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 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: GA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report XXXX is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint because Experian has repeatedly failed to properly reinvestigate and correct an inaccurate late payment being reported on my credit file by XXXX XXXXXXXX XXXX Account No. XXXX. I first disputed this error on XX/XX/year>, and sent a follow-up notice on XX/XX/year>. Experian has not provided any documentation, verification, or supporting evidence proving that the late payment they continue to report is accurate. They also failed to provide details of their reinvestigation or identify the furnisher who allegedly verified the information. This violates the Fair Credit Reporting Act, including Experians obligations under 15 U.S.C. 1681i to conduct a reasonable reinvestigation and remove unverifiable information. Since Experian has been unable or unwilling to obtain verification from XXXX XXXX XXXX, federal law requires the deletion of the disputed information under 1681i ( a ) ( 5 ) ( A ). 
Experians continued reporting of this unverified late payment has caused ongoing harm to me and demonstrates negligent or willful noncompliance.

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 2025-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I attempted to withdraw my own funds at a Wells Fargo branch in XXXX, XXXX, and I was repeatedly denied service, treated with suspicion, and subjected to discriminatory behavior. I am a young XXXX man, and I believe I was racially profiled. 

At the first branch, when I requested a withdrawal, the banker repeatedly questioned what the money was for, claimed fraud without explanation, and then told me there were no funds available even though my online banking clearly showed the available balance. They refused to process the transaction and flagged my account without justification. 

I went to another Wells Fargo branch in XXXX, XXXX, and the employees again refused to complete my withdrawal unless I explained why the prior branch couldnt help me. They repeated that the funds were unavailable and possibly fraudulent. None of the employees would provide their names or identify themselves when asked. 

I then called Wells Fargo customer service. The representative verified my identity with security questions and a security code, but the branches still refused to communicate with them. After these interactions, Wells Fargo locked my entire account. I can no longer withdraw money at the ATM or access my funds at all. 

During this incident, I had my XXXX daughter with me, and I found the treatment humiliating, stressful, and discriminatory. I believe Wells Fargo wrongfully froze my account and denied service based on race and assumptions.

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 2025-12-05 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: PA

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the XXXX credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} deleted in XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} deleted in XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} deleted in XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$710.00} deleted in XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$870.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$740.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$520.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$300.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$300.00} not reported in XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$580.00}

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 2025-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: RAS LaVrar, LLC
State: FL

Complaint narrative:
I. NATURE OF THE COMPLAINT This complaint is filed regarding unlawful debt collection practices, failure to validate debt, improper furnishing of credit information, and litigation without substantiation, in violation of federal consumer-protection laws. 

XXXX. VIOLATIONS BY XXXX XXXX RAS LAVRAR XXXX. Violation of FDCPA 15 U.S.C. 1692g ( b ) Failure to Validate Debt Respondents initiated and continued litigation without providing the original contract, proof of ownership, or substantiating documentation. 

Respondents ignored written requests for validation. 

XXXX. Violation of FCRA 15 U.S.C. 1681s-2 ( b ) Failure to Conduct Reasonable Investigation XXXX furnished derogatory information without possessing the required documentation. 

XXXX failed to conduct a proper reinvestigation after receiving a dispute. 

XXXX. Violation of CFPB Bulletin XXXX Lack of Substantiation Respondents filed suit without : A signed agreement, A chain of assignment, A charge-off ledger, Insurance or indemnification documentation. 

XXXX. Unfair, Deceptive, and Abusive Acts ( UDAAP ) Filing lawsuits without evidence is an unfair and deceptive practice under XXXX UDAAP provisions . 

XXXX. REQUESTED CFPB ACTION The consumer requests the CFPB to : Investigate XXXX and RAS LaVrar , LLC for federal law violations. 

Require production of all substantiating documents. 

Compel correction of credit reporting. 

Consider financial penalties for documented misconduct.

Company response to consumer: Closed with explanation