vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-23 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: CHERRY TECHNOLOGIES INC.
State: FL

Complaint narrative:
I went to smyl manatee, dentist for a growth on my gums, the cut it and sent for boipsy, t he only thing I signed. said I needed a crown also, I am on medicade which covers 100 % of the costs, they forged my signature on loan papers with cherry technologies and oped an account for {$2100.00}. also signed me up for auto pay on my discover card, Thought I was paying a co pay, never authorized a payment, had to have card turned off, closed account. I never signed up for a loan with cherry, contacted them several times saying it was fraud. I have a XXXX XXXX police report XXXX florida. Cherry tech is ruining my credit, I did a fraud alert and a freeze on my credit. I want my credit fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. Per FCRA 605B 15 USC 1681 c2 all adverse information is required to be blocked within 4 days. I will seek legal litigation if this doesnt get resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: MI

Complaint narrative:
Re : Supplemental Complaint Experian Refusal to Block Fraudulent Tradelines under FCRA 605B To Whom It May Concern, I am submitting this supplemental complaint regarding XXXX XXXXXXXX XXXX XXXX. Despite my prior CFPB complaint, Experian continues to refuse to block fraudulent tradelines, even after I submitted : A valid FTC Identity Theft Report, A copy of my government-issued identification, and Proof of my current address. 

Under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), a consumer reporting agency is required to block such information within 4 business days once provided with an identity theft report and proper identification. 

Experian 's refusal constitutes willful noncompliance with the FCRA, as they are demanding duplicative documents I have already provided. I am receipt of a letter, received on XX/XX/year>, stating that they won't block until they receive the already provided information. Their continued stalling is causing harm to my financial standing and creditworthiness.

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 2025-08-23 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/scrub>, 2025, Wells Fargo Bank unilaterally closed my time deposit account ( XXXX XXXXXXXX ), which I had opened only a few weeks earlier. The bank mailed my balance back by check, but I lost the ability to earn the contracted interest of about {$120.00} for the 4-month term. According to
Wells Fargos own deposit agreement, if a customer terminates a deposit early, the customer must pay a penalty equal to three months of accrued interest. I believe that when the bank itself terminates the deposit prematurely, it should be subject to the same fair penalty.

Wells Fargo claimed I may be unreliable, but at account opening the bank already had all my documents and prior client history. If they had doubts, they should have refused my application at the outset. No new information about me arose between the opening and closure. If the bank employee did not carefully review my documents when opening the account, then that is also the bank 's fault.

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 2025-08-23 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Summary : I am filing this complaint because XXXX XXXX XXXX and several debt XXXX ( XXXX XXXX XXXX, Midland Credit Management XXXX XXXX XXXX XXXX ) are reporting inaccurate, unverifiable, or outdated accounts on my credit reports. 

Details : On XX/XX/year>, I sent formal disputes under FCRA XXXX & XXXX, along with an FTC Identity Theft Report. The disputed accounts include : XXXX Card charge-off {$420.00} XXXX  XXXX XXXX {$98.00} ( Experian ) XXXX XXXX XXXX collection {$790.00} Midland Credit Management XXXX {$1100.00} XXXX Recovery Associates collection {$870.00} XXXX my request for documentary evidence ( original signed contracts, itemized statements, proof of ownership ), the bureaus and XXXX failed to provide adequate verification, instead responding with XXXX verified responses or no response at all. 

Under FCRA 611 ( a ) and FDCPA 809 ( b ), they must provide validation or remove the accounts. These accounts continue to damage my credit and cause distress. 

Requested resolution : XXXX deletion of these unverifiable accounts Updated credit reports Written confirmation of the investigation procedure used

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: SC

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX Subject : Formal Demand for Deletion XXXX XXXX XXXX ( Acct # XXXX XXXX XXXX ) * * Dear Sir/Madam, This is a formal demand for immediate deletion of the following account from my XXXX  file : XXXX XXXX XXXX ( Collection/Charge-off ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$6900.00} This tradeline is being reported in violation of federal law : FCRA 607 ( b ) : Requires maximum possible accuracy. This account contains inconsistent dates and reporting errors.

FCRA 611 ( a ) ( 5 ) : Unverifiable accounts must be deleted, not updated.

FCRA 623 ( a ) ( 1 ) ( A ) : Prohibits reporting of false or misleading data.

FDCPA 807 : Prohibits false representation of the character or legal status of a debt.

FDCPA 809 : Requires full validation of alleged debt. No original signed contract, itemization, or proof of assignment has been provided. 
You have 30 days to investigate. 
Delete this account immediately 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 non-monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
On XXXX XXXX there were XXXX transactions that were not authorized by me after having belongings stolen my information was used to take money out of my account on XXXX XXXX at XXXX Bank XXXX was withdrawn from ATM without my authorization, XXXX XXXX at XXXX XXXX XXXX was taken from my account without authorization, XXXX XXXX also at XXXX XXXX another XXXX was taken from my account with authorization and the last transaction was at XXXX FUELS where they used XXXX to get gas using my stolen card all of these transactions were processed while my items were stolen my phone as well so they had access to my account and my card pin was XXXX. Also XXXX XXXX XXXX transactions from FIFTH THIRD BANK was processed in the amount of XXXX XXXX XXXX XXXX transactions at XXXX XXXX was processed in the amount of XXXX without my authorization as I noticed after getting into my account I didnt make those transactions and got no alerts after having to get into my email through new device I disputed XXXX XXXX unauthorized charges and was granted provisional credits to my account on days XXXX or ongoing investigation. The problem came when I as well tried to disputes charges from XXXX XXXX same transactions I was told to provide police report from XXXX XXXX disputes. I provided police report call bank numerous times for updates and provisional credits while they investigated and they refuse to apply credit stated that claims were denied but In actuality they were reopened with police report via emails they send to me! Now the bank is giving me no assistance in apply credits to my account which they already have with XXXX XXXX transactions! None for XXXX XXXX when these transactions all happened while my belongings were stolen. I have talked to supervisors and back office but no one has assisted me with credits as I am currently facing hardship because of this no one is assisting me in getting my money back even with police report!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: NV

Complaint narrative:
Keep adding closed accounts back to my credit report! Please look into this and tell them to stop with the threats

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: NV

Complaint narrative:
Keep adding closed accounts back to my credit report! Please look into this and tell them to stop with the threats

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 2025-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: IL

Complaint narrative:
Fraud took place on my business account for my client and personal checking account at US Bank XX/XX/XXXXXXXX. When I reported fraud the bank supervisor told me that the scammers took {$3100.00} out of my client business account and contacted me as XXXX XXXX that I did business with before, stating that they deposited {$2800.00} to much into my account trying to give me a {$310.00} refund. I sent the {$2800.00} out thur XXXX. I asked why didn't they call me and asked if they should pay it out. Had they done that 1. ) I would have told them not to release, because it's client money and that money was there since XXXX 2. ) When the scammer called later that day I would not have sent money from XXXX because the bank would have told me that someone trying to get into my account. The fraud is two fold my business total lost is the {$3100.00} that I have to replace to the client and {$2800.00} totaling 1 cent short of {$6000.00} loss. I then filed a police report on XX/XX/XXXX. The bank rejected my complaint on XXXX, but as of today XX/XX/XXXX the bank as neither rejected or agreed to replace at least the client money of {$3100.00}. I then filed a complaint with FDIC who received my complaint in early XX/XX/XXXX and closed it without calling and sending e-mail. The scammer used XXXX and XXXXXXXX XXXX XXXX logo as contact

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 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject: Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Equifax, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB, include:  Conducting inadequate investigations that fail to address consumer disputes properly.  Reinserting previously disputed and inaccurate information without explanation.  Failing to notify consumers about investigation results effectively. These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. Please review the inaccurate information being reported: 1. Under the FCRA, you are required to:  Conduct a proper investigation into my dispute.  Inform me of the results of your investigation in a clear and comprehensible manner.  Provide me with any documentation you rely on if the disputed information is verified as accurate.  Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly.  If the investigation concludes that the information cannot be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report. Furthermore, I request written confirmation of the actions you take in response to this dispute. If you fail to resolve this matter, I reserve the right to escalate the issue with the CFPB and other appropriate agencies. Thank you for addressing this matter promptly. I look forward to your response within the legally mandated 30-day timeframe. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I dispute the XXXX XXXX XXXX account on my Experian, XXXX, and XXXX  reports. The account shows a {$1700.00} collection from XXXX opened XX/XX/year>. I requested full debt validation and the original purchase agreement proving XXXX XXXX XXXX owns the debt, but they did not provide it. The account is unverified and inaccurate and must be deleted immediately.

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 2025-08-23 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 dispute the XXXX XXXX XXXX account on my XXXX XXXX and TransUnion reports. The account shows a {$1700.00} collection from XXXX opened XX/XX/2023. I requested full debt validation and the original purchase agreement proving XXXX XXXX XXXX owns the debt, but they did not provide it. The account is unverified and inaccurate and must be deleted immediately.

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 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject: Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Experian, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB, include:  Conducting inadequate investigations that fail to address consumer disputes properly.  Reinserting previously disputed and inaccurate information without explanation.  Failing to notify consumers about investigation results effectively. These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. Please review the inaccurate information being reported: 1. Under the FCRA, you are required to:  Conduct a proper investigation into my dispute.  Inform me of the results of your investigation in a clear and comprehensible manner.  Provide me with any documentation you rely on if the disputed information is verified as accurate.  Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly.  If the investigation concludes that the information cannot be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report. Furthermore, I request written confirmation of the actions you take in response to this dispute. If you fail to resolve this matter, I reserve the right to escalate the issue with the CFPB and other appropriate agencies. Thank you for addressing this matter promptly. I look forward to your response within the legally mandated 30-day timeframe. Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-23 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: AL

Complaint narrative:
I was trying to buy a vehicle and I realized I had damages on my credit report and according to the 15 U.S.C 1681 there should not be any damages on my credit report which is a defamation to my character.

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