vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: OK

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: OK

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 2025-11-10 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: TX

Complaint narrative:
I am requesting that Experian reinvestigate the following information. If the information can not be fully verified, I am requesting immediate correction or removal. 

CHARGED-OFF ACCOUNTS ( XXXX ) XXXX XXXX  Acct : XXXX | Opened : XX/XX/XXXX | Balance : {$0.00} XXXX  XXXX XXXX XXXX Acct XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$19.00} XXXX  XXXX Acct : XXXX | Opened : XX/XX/XXXX | Balance : {$0.00} LATE PAYMENTS ( EX ) XXXX XXXX Acct : XXXX This late payment appears inaccurate or unverifiable. If Experian can not fully substantiate the data, I request removal.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally complain about a late payment marking on my account and to request a thorough investigation into the circumstances surrounding this issue. As a long-standing customer, I value my relationship with XXXX and expect fair and transparent handling of billing matters. 

On XX/XX/year>, I made a payment of {$250.00} toward my outstanding balance, which I believed at the time to be the correct amount due. However, I later learned that the total due was {$260.00}, resulting in an underpayment of {$9.00}. I never received any prior notification of the exact amount due via email or postal mail, despite having provided my contact information. This lack of communication prevented me from correcting the payment before it was processed. 

Additionally, the phone calls I received regarding this matter appeared to originate from a number flagged as a potential scam by my phone carrier. This raised serious concerns about the legitimacy of the contact and further contributed to my confusion and delay in resolving the issue. 

Upon discovering the discrepancy, I promptly reached out to XXXX to explain the error, provide context about the missed notifications, and request a goodwill adjustment to reflect the circumstances. In response, XXXX team waived the associated late fees ( which are still on there ), which I appreciate. However, given that the underpayment was only {$9.00} and the waiver of late fees should effectively make my {$250.00} payment sufficient to bring the account current, I am perplexed and frustrated that my account was still marked as late. This has negatively impacted my credit and caused unnecessary stress. 

I kindly request that you investigate this matter, including : XXXX. Why I did not receive email or mail notifications about the payment due. 
XXXX. The source and legitimacy of the phone calls, particularly those associated with scam-flagged numbers. 
XXXX. Whether the waiver of late fees, combined with my payment, should have resolved the account status without a late marking. 
XXXX. Removal of the late payment notation from my account and credit report, along with any further adjustments as appropriate. 
I have attached copies of my payment confirmation, account statements, and records of our previous communications for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
This is a simple case that Well 's Fargo has made very difficult. In short, Well 's Fargo fraud contacted me in XXXX XXXX and they believed there was fraud on my account. I verified all the purchases and that wasn't the case. They then recommended that I close my current card and they would send me a new card ( which I did ). 

The issue is that when this happened, Well 's Fargo made a closing transfer on my account where they took my balance from XXXX 's closing statement of {$270.00} and charged my new cards account. The problem is that all the charges ( and payments ) that made up that {$270.00} were still on my old account and were paid. This made the transfer charge of the {$270.00} a duplicate charge. I had opened an execute escalation case with Well 's Fargo ( XXXX ) but they just responded that this was a balance transfer and didn't really dig into the case details that I provided. I then attempted to reopen but they said it was closed and they can't reopen. 

I have included both the XXXX and XXXX statement. If you notice, the XXXX balance of {$270.00} was then charged again on the XXXX statement on XX/XX/year>. So this is clearly a duplicate charge. 

Any help I can get in making Well 's Fargo understand their error and correct is appreciated.

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 2025-11-10 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: SC

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c2 ( Section 605B ), I am formally demanding the immediate removal, deletion, and blocking of the fraudulent accounts and inquiries listed on my credit report. This request is submitted under the protection of federal law due to verified identity theft and exposure of my personal information during the XXXX  data breach, which significantly compromises the accuracy and integrity of the data being reported. Under Section 605B, the credit reporting agency is legally obligated to block and remove this information within XXXX ( XXXX ) business days upon receipt of a valid identity theft report. Failure to comply constitutes a direct violation of the FCRA and subjects your agency to regulatory consequences and potential legal action. This is a final and urgent demand for compliance. Please confirm the removal in writing and issue updated copies of my credit report reflecting these changes. Thank you for your prompt attentiontothismatter. 

ACCOUNTS NEED TO BE REMOVE : XXXX - I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the XXXX  XXXX breach. These items are inaccurate and must be deleted from my credit report. 

XXXX - I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the XXXX  data breach. These items are inaccurate and must be deleted from my credit report. 

XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - Please Remove XXXX XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - Please Remove XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - Please Remove XXXX XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - Please Remove XXXX XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - Please Remove

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 2025-11-10 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: MD

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX  XXXX Account Number : [ 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 2025-11-10 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: NC

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within XXXX  days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute. 

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within XXXX  days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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:
I am requesting that Experian reinvestigate the following items. If the information can not be verified, I am requesting immediate correction or removal in accordance with the Fair Credit Reporting Act ( FCRA ). 

CHARGED-OFF ACCOUNTS ( EX ) XXXX Acct : XXXX | Opened : XX/XX/XXXX | Balance : {$0.00} XXXX XXXX Acct : XXXX | Opened : XX/XX/XXXX | Balance : {$710.00} XXXX  Acct : XXXX | Opened : XX/XX/XXXX | Balance : {$180.00} XXXX Acct : XXXX XXXX Opened : XX/XX/XXXX | Balance : {$3700.00} INQUIRIES ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute several entries on my credit report from TransUnion. The following accounts have inaccurate information, and I request that they be corrected : XXXX. * * Charge-off Account * * Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX Reason for Dispute : The charge-off status is reported in error. This account was paid, settled, or is otherwise inaccurately marked as a charge-off. 
XXXX. * * Late Payment * * Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX Late Payment Date : XX/XX/year> Reason for Dispute : The payment was made on time, or the reported late payment is incorrect. 
I have attached supporting documentation, including payment receipts, settlement confirmation, and any other relevant evidence to substantiate my claim. 
I request a reinvestigation of this information and a resolution within the time frame set by the Fair Credit Reporting Act ( FCRA ).

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 2025-11-10 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
I opened a credit card with XXXX XXXX through Barclays. I used my brother 's social security number on accident, but gave them all of my information on top of that. He is my twin brother, so we are XXXX digit off. I contacted them, but they were absolutely useless. Now, it is showing my brother 's mortgage under my name which causes issue with my credit. Please help!

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 2025-11-10 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 am disputing an inquiry listed on my Experian credit report. This inquiry was made without my consent, and I request its removal from my credit history. 

XXXX XXXX Date of Inquiry : XX/XX/year> Account Number : [ Provide full account number or last XXXX digits ]

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I need to be absolutely clear, this complaint is not made in error. Multiple tradelines on my credit report are not being reported with the maximum possible accuracy and contain unverified or incorrect details. These persistent inaccuracies have continued despite my efforts to correct them and are causing tangible harm to my creditworthiness and daily life. This reporting failure is unacceptable and has created real financial hardship during an already difficult time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL

Complaint narrative:
I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification please provide XXXX Mail with receipt displaying my signature. Also there is no contract agreement with your company please verify signed agreement and NOT statements. If not please delete this account as soon as possible off my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: CO

Complaint narrative:
In early 2023, I e-filed my federal tax return directly through Cash App, expecting a refund of {$1200.00}. The IRS issued the refund via direct deposit, routed through XXXX XXXX, Cash Apps program bank. Despite the deposit leaving the IRS, the funds never appeared in my Cash App account, leaving me completely without access to my money. 

Immediately after noticing the missing funds, I began contacting Cash App support, submitting documentation and escalating the issue dozens of times over many months. I was frequently redirected between Cash App Taxes support and general support, with neither team taking responsibility or providing a resolution. Despite repeatedly providing IRS letters confirming the deposit, Cash App continued to claim they can not determine when the IRS will deposit the funds, which is factually incorrect, since I e-filed directly through their platform. Cash App had full access to my filing information, refund details, and IRS correspondence, yet failed to ensure the refund was properly deposited. 

I also contacted XXXX XXXX  multiple times to verify the IRS deposit and request resolution. XXXX XXXX  consistently stated they can not access Cash App customer accounts and refused to coordinate with Cash App, at times blocking calls or ignoring follow-ups entirely. 

Over 18+ months, despite repeated support tickets, calls, and escalations, neither Cash App nor XXXX XXXX  provided a resolution. The combination of Cash Apps evasive responses and uncoordinated handling and XXXX XXXX  refusal to act demonstrates a clear failure of both parties to responsibly manage this transaction. 


-- - Impact and Hardship : This prolonged delay caused substantial financial, personal, and systemic hardship, including : 1. Financial Impact : Locked out of {$1200.00} for over 18 months, preventing access to funds needed for basic expenses or potential investment.

Lost potential interest ( ~ {$150.00} {$200.00} ) due to delayed access.

2. Time and Effort : Spent dozens of hours on phone calls, emails, and support tickets, repeatedly escalating without resolution.

Submitted IRS documentation and ACH trace requests multiple times, yet received only incomplete or evasive responses.

3. Emotional XXXX  : Experienced ongoing frustration, XXXX, and XXXX  due to repeated misdirection, delays, and lack of accountability. 



4. Systemic Responsibility : Both Cash App and XXXX XXXX  had full ability and resources to resolve the issue promptly, but failed repeatedly. 

The lack of accountability reflects a systemic failure, not an isolated oversight, demonstrating risk for other consumers in similar situations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Police Report ( Police Report Number : XXXX ) as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days. 
The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of one year, with the option to extend if needed. During this period, no information related to this account may be reported. 

I have made multiple attempts to contact TRANSUNION to report this issue, but I have not received a clear or satisfactory resolution. 
I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family. 
It's important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than 60 days have passed without a response. 
I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal andfinancialharm.

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