vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 
* * Accounts in Question : * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Meta Payments Inc.
State: MD

Complaint narrative:
To Whom It XXXX Concern, My name is XXXX XXXX, and I am the rightful owner of the XXXX business account @ XXXX, which has been wrongfully and indefinitely suspended by XXXX XXXX XXXX XXXX as of XX/XX/year>. I am submitting this formal statement to report what I believe to be a serious abuse of platform power, bad faith conduct, and a violation of consumer and business protections under XXXX law. 

XXXX suspended my account under a false accusation of XXXX XXXXXXXX XXXX ( XXXX ) an extremely serious and damaging claim yet has provided no evidence, no explanation, and no opportunity for a fair appeal or human review. I have never posted, shared, or been associated with any XXXX content or activity. The suspension appears to be the result of faulty AI moderation, and no meaningful review has taken place. 

Since the suspension : I have lost significant revenue and business contracts tied to XXXX XXXX XXXX XXXX XXXX XXXX Ive experienced confusion and distress from clients who can not reach me or verify my identity due to impersonation scams still active on the platform My brand reputation has been publicly damaged by this baseless accusation I have submitted formal appeals, arbitration ( XXXX Case # XXXX ), legal demand letters, and complaints to the XXXX XXXX XXXX Attorney General, and even reached out to media XXXX has not responded at all to any legal notices, arbitration outreach, or government communication This situation has taken a serious toll on my mental health, including thoughts of hopelessness and emotional distress As a small business owner, I rely on my social media presence not only for income but for legitimacy and community visibility. Being wrongfully accused of a heinous crime without evidence or recourse has been professionally and personally devastating. 

This is not just a customer service issue it is a matter of due process, accountability, and algorithmic harm. I am requesting urgent review and support in demanding : XXXX. The immediate restoration of my XXXX business account XXXX. A formal explanation and clearing of any wrongful accusations XXXX. A review of XXXX bad faith actions and failure to comply with arbitration XXXX. Compensation for the financial and reputational harm this has caused I am willing to provide documentation of every step I have taken to resolve this matter privately, including legal filings, arbitration records, agency complaints, impersonation reports, and evidence of financial loss. 

I respectfully ask that your office or agency take this matter seriously and help hold XXXX accountable for its ongoing neglect and harm to small business owners like myself. 

Thank you for your time and attention. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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:
There are items on my credit report that are inaccurate, outdated, or incomplete. These errors affect my ability to obtain credit and do not reflect my true credit history. The FCRA was enacted to ensure fairness, accuracy, and privacy in credit reporting, and continued reporting of incorrect information undermines those protections. Despite previous disputes and requests for verification, the accounts remain, with no meaningful investigation or correction provided. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX : {$27000.00} XXXX XXXX XXXX  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 non-monetary relief
Consumer complaint received 2025-08-01 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 AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I have a Best But Citi Credit card. Somehow the outstanding amount has become XXXX. I have not used the card in a couple of years., I see an interest charge suddenly for XXXX dollars and the total outstanding amount has increased to XXXX now. I am unable to close the card as well.

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 2025-08-01 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: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Lady from FHA told us and I inquired to the XXXX XXXX XXXX  and they both told me that Wells Fargo turned our loan from a 30 year loan to a 45 year loan which is illegal.The maximum is 40 years.

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 2025-08-01 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:
This letter serves as my formal notice of dispute concerning certain account listed on my credit report that I believe was accessed or reported without a permissible purpose as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b. Under the FCRA, a consumer reporting agency may furnish a consumer report only under specific, lawful purposes listed in 1681b ( a ). Any entity that accessed my credit file without my authorization or without a valid legal reason has done so in violation of this federal law.

Upon reviewing my credit reports, I found entries that I did not authorize, nor did I initiate any transaction that would justify such access. These unauthorized entries violate 1681b ( f ), which prohibits users from obtaining a consumer report without a permissible purpose. 

Legal Precedent : In the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. ), the court ruled in favor of the plaintiff, stating that a credit report pulled without a valid permissible purpose under FCRA constitutes a willful violation, which is actionable. 

Furthermore, multiple credit bureaus were defendants in recent lawsuits filed in XXXX for re-reporting or permitting access to consumer reports after the accounts were removed, which is also considered a willful disregard of consumer rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-08-01 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: NJ

Complaint narrative:
This letter serves as my formal notice of dispute concerning certain account listed on my credit report that I believe was accessed or reported without a permissible purpose as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b. Under the FCRA, a consumer reporting agency may furnish a consumer report only under specific, lawful purposes listed in 1681b ( a ). Any entity that accessed my credit file without my authorization or without a valid legal reason has done so in violation of this federal law.

Upon reviewing my credit reports, I found entries that I did not authorize, nor did I initiate any transaction that would justify such access. These unauthorized entries violate 1681b ( f ), which prohibits users from obtaining a consumer report without a permissible purpose. 

Legal Precedent : In the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. ), the court ruled in favor of the plaintiff, stating that a credit report pulled without a valid permissible purpose under FCRA constitutes a willful violation, which is actionable. 

Furthermore, multiple credit bureaus were defendants in recent lawsuits filed in XXXX for re-reporting or permitting access to consumer reports after the accounts were removed, which is also considered a willful disregard of consumer rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: NJ

Complaint narrative:
This letter serves as my formal notice of dispute concerning certain account listed on my credit report that I believe was accessed or reported without a permissible purpose as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b. Under the FCRA, a consumer reporting agency may furnish a consumer report only under specific, lawful purposes listed in 1681b ( a ). Any entity that accessed my credit file without my authorization or without a valid legal reason has done so in violation of this federal law.

Upon reviewing my credit reports, I found entries that I did not authorize, nor did I initiate any transaction that would justify such access. These unauthorized entries violate 1681b ( f ), which prohibits users from obtaining a consumer report without a permissible purpose. 

Legal Precedent : In the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. ), the court ruled in favor of the plaintiff, stating that a credit report pulled without a valid permissible purpose under FCRA constitutes a willful violation, which is actionable. 

Furthermore, multiple credit bureaus were defendants in recent lawsuits filed in XXXX for re-reporting or permitting access to consumer reports after the accounts were removed, which is also considered a willful disregard of consumer rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: AR

Complaint narrative:
" A late payment was reported for my XXXX Indigo account ( Account ending in XXXX ) for XX/XX/year>. However, my records show that I made a payment on XX/XX/year>, and there is no past due amount currently on the account. The account is open, in good standing, and marked as 'Paid or paying as agreed. ' I believe this late payment may have been reported in error and is inaccurately affecting my credit profile. I am requesting an investigation and correction under the Fair Credit Reporting Act. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding several unauthorized or improperly documented hard inquiries that are negatively affecting my credit profile. I have disputed these inquiries directly with all three credit bureaus Experian, Equifax, and TransUnion and with the companies that initiated the inquiries, but the issues have not been resolved. 

I am concerned that these inquiries may violate the permissible purpose provisions of the Fair Credit Reporting Act ( FCRA ), and I request the CFPBs assistance in compelling these agencies and companies to provide documentation or remove the inquiries. 

Below is a summary of the disputed inquiries : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> TransUnion XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX OF XXXX XX/XX/year> Equifax : XXXX XX/XX/year> I sent written requests to both the credit bureaus and the companies listed above asking for proof of permissible purpose, including dates, application records, and signed consent. I did not receive proper documentation or resolution. 

These inquiries are harming my credit rating, and under the FCRA, unverified or unauthorized inquiries must be removed. 

I am requesting the CFPBs assistance to : 1. Compel these companies to provide proof of authorization and permissible purpose ; or 2. Require the removal of these inquiries from my credit reports if documentation can not be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint regarding several unauthorized or improperly documented hard inquiries that are negatively affecting my credit profile. I have disputed these inquiries directly with all three credit bureaus Experian, Equifax, and TransUnion and with the companies that initiated the inquiries, but the issues have not been resolved. 

I am concerned that these inquiries may violate the permissible purpose provisions of the Fair Credit Reporting Act ( FCRA ), and I request the CFPBs assistance in compelling these agencies and companies to provide documentation or remove the inquiries. 

Below is a summary of the disputed inquiries : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> TransUnion XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX OF XXXX XX/XX/year> Equifax : XXXX XX/XX/year> I sent written requests to both the credit bureaus and the companies listed above asking for proof of permissible purpose, including dates, application records, and signed consent. I did not receive proper documentation or resolution. 

These inquiries are harming my credit rating, and under the FCRA, unverified or unauthorized inquiries must be removed. 

I am requesting the CFPBs assistance to : 1. Compel these companies to provide proof of authorization and permissible purpose ; or 2. Require the removal of these inquiries from my credit reports if documentation can not be provided.

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 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
To Whom It May Concern, Subject : Formal Dispute and Validation Request Pursuant to FCRA 1681s-2 ( b ) I am writing to formally dispute the accuracy and validity of these balances that appear on my credit report. I have reviewed the account ( s ) and have identified several discrepancies that must be addressed in accordance with the Fair Credit Reporting Act ( FCRA ), Section 1681s-2 ( b ), and my states collection laws.

Upon my review, I have identified several potential reporting inaccuracies, including but not limited to : Inconsistent or incorrect date of last activity Back-to-back charge-offs and/or duplicate reporting Indications of profit and loss write-off without supporting documentation No confirmation of account being legally enforceable under [ Insert Your State ] law In accordance with my rights, I am requesting : 1. Full validation of this debt, including : A copy of the original signed contract or agreement Itemized statements showing how the debt amount was calculated Proof that the debt is legally enforceable and within the statute of limitations 2. Securitization details, including : Name of the trust, if applicable Closing date of securitization A copy of the assignment contract transferring rights to collect this debt 3. IRS Form 1099-C, if this debt was canceled or written off 4. A complete cease and desist on all collection and reporting activity until full validation of this account is provided in writing. 

If you are unable to fully validate this account and confirm its legal enforceability, I respectfully request that it be permanently deleted from all consumer credit reporting agencies.

Please consider this a formal dispute and validation request. Under the FCRA, you are required to investigate and respond within 30 days of receiving this letter. Failure to comply may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: TX

Complaint narrative:
This morning, I was shocked to see an unauthorized inquiry on my credit report, and I have no idea why it's there. I double-checked by refreshing my browser thinking it could be a glitch, but unfortunately, the inquiry remained. I'm incredibly frustrated and demand that the documents Ive submitted be reviewed immediately so I can finally stop stressing over this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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:
CFPB Complaint Summary 1. What happened?

I submitted multiple disputes to LCI Experian / Equifax / TransUnion regarding inaccurate and fraudulent information on my credit report. I also provided supporting documentation, including an FTC identity theft report, police report, and proof of identity and address. Despite my request for a manual reinvestigation and a formal Method of Verification ( MOV ), the credit bureau failed to conduct a proper investigation. I also requested the removal of outdated personal information and fraudulent accounts stemming from identity theft and data breaches, but they failed to comply. 
Furthermore, I filed identity theft reports and submitted them in accordance with FCRA 605B, which requires blocking of fraudulent data within 4 business days. These fraudulent accounts are still being reported, and I have not received adequate responses or verification. This agency appears to have relied on automated systems ( such as e-OSCAR ) without properly reviewing the documentation I submitted. 
I continue to receive alerts regarding unauthorized changes of address and dark web exposures of my personal data, which further supports the urgency of my case. 
2. What do you believe is the issue?

Credit reporting company failed to investigate a dispute Continued reporting of information that was not verified Failure to block fraudulent information after identity theft report Failure to update personal information ( address, name, etc. ) Did not provide requested Method of Verification Did not respond in a timely or complete manner

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: NV

Complaint narrative:
This letter serves as a formal dispute of an account reflected on my credit report that does not belong to me. I have never had any dealings with this creditor, nor have I opened or approved the account in question.

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 2025-08-01 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: WI

Complaint narrative:
In the process of trying to apply for an apartment Ive noticed I have damages on my consumer report which probities me from renting. according to the 15 U.S.C 1681 there should not be any damages on my report which is a defamation of my character.

Company response to consumer: Closed with non-monetary relief