vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, I made a payment of {$86.00} toward my now-closed Wells Fargo credit card account ending in xxxx. That payment more than covered the minimum due for XX/XX/XXXX. However, Wells Fargo issued a statement dated XX/XX/XXXX, claiming I had a past due balance of {$80.00}. 

This is factually incorrect. I have attached proof of the XX/XX/XXXX payment, and the XXXX statement showing the false past due charge. 

Because of this error, Wells Fargo withdrew funds from my linked checking account, which caused it to go into a negative balance of - {$45.00}. I am now financially harmed and penalized due to their mistake. 

I tried to resolve this with Wells Fargo directly, but because the account is closed, they will not assist me unless I can provide the full credit card number which I no longer have. They refuse to verify the account with other identifying info and have left me with no path to resolve this internally.

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 2025-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year> XXXX XXXX XXXXXXXX XXXX cashed a corporate check for an employee of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in the amount of {$51.00}. The check was dated XX/XX/year>. The check was not written on our bank. The account at XXXX XXXX XXXXXXXX XXXX is used for deposits only. Since we know all of XXXX XXXX XXXXXXXX XXXXXXXX XXXX  payroll checks come from a different bank, we usually cash those checks with no questions. The person had endorsed the check with only a signature. We cashed the check. A few days later on XX/XX/year> the check was returned as a duplicate item. In talking with the XXXX XXXX XXXXXXXX XXXX personnel, the check was deposited by cash app ( image attached ). If the endorsement had the proper " Cash App Deposit '' written under the signature, we WOULD NOT HAVE CASHED IT! Cash App does not seem to be following its own guidelines and help protect all of the banking industry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-22 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: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I have been a long time Target XXXX  Card ( store credit card ) and have relied on email notifications that statements are issued with payment due. I have always paid my balance due for this card and all other credit cards and have an excellent credit score. On XX/XX/XXXX, I received an email communication from Target XXXX XXXX that they were going to perform account management system changes, however they did not inform that they were going to stop sending out email notifications about statements/balances due. I had a single {$7.00} charge on XX/XX/XXXX on the Target Card, however I had not received the monthly email notification alerting me to the next monthly statement in XX/XX/XXXX. The charge became late and a late fee was assessed and the following month the balance became past due, then it triggered an alert to the credit bureau and I received a notice that there was a negative impact to my credit score on XX/XX/XXXX. My score had dropped from XXXX to XXXX and it was then that I saw that it was due to this Target Card. I immediately called Target, explained the situation, paid the balance of {$9.00} via ETF on the phone, and asked if anything can be done to reverse the credit impact as it was due to changes in their notification system. They said that they could not do anything on their end and so I am reaching out to CFPB to see if something can be done. Thank you in advance for any assistance that can be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: NY

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under 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 2025-05-22 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
I have been mailing dispute letters approximately every 40 days for the past five months. I asked the creditors to verify the debt on my credit profile each time. I asked for the original purchase agreement and an assignment contract between the original creditor and the third-party debt collector. I also asked for a 1099-C Form if the account was charged off. I am entitled to request these documents under the Fair Credit Reporting Act. The creditors and third-party debt collectors have refused to provide me with this information. The only thing they are doing is sending me old billing statements. An old billing statement is not sufficient evidence to verify any debts on my credit report. This has been going on for months now. Just old billing statements every month, this is not sufficient evidence under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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:
DEAR CFPB TEAM : I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked immediately. Enclosed is a copy of my Police Report and FTC Identity Theft Report ( FTC Report Number : XXXX ) to support my identity theft claim. 
Under 15 U.S.C. 1681c-2, once a consumer submits an 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 information on my credit report is the result of identity theft and should be blocked : Fraudulent Accounts to Be Removed : 1. ACCOUNT DETAILS : Account Name : 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 XXXXXX/XX/XXXX As required by law, this fraudulent information should be blocked for at least one year, after which I may request an extension of the block. During this time, you may not report this information on my credit file or indicate that my report contains any fraudulent data. 
I have contacted the Transunion, on several occasions to report these fraudulent accounts, yet I have not received any resolution. This situation is seriously affecting my ability to qualify for a new home for my children. These same accounts were deleted and not verified by other credit bureaus, which raises serious questions about their legitimacy. 
I have also requested verification and contract documentation from the companies reporting these accounts, and more than 60 days have passed without any response. Therefore, I am requesting immediate action. 
Enclosed is my FTC Identity Theft Report. I respectfully request that you make a fair and just decision regarding my situation. 
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 non-monetary relief
Consumer complaint received 2025-05-22 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 a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 2025-05-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX placed a collection in 2024, never lived at this location i am a victim of identity fraud company has not responded

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: LA

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX continues to report inaccurate, misleading, and damaging information on my credit report, and the credit bureau has failed to take corrective action after multiple disputes. 

The account in question was charged off in XXXX, yet XXXX continues to report monthly updates through XXXX, which misrepresents the age of the debt and violates FCRA 623 ( a ) ( 5 ). This is a re-aging tactic used to keep derogatory information active and harmful beyond its actual timeline.

Additionally, the payment history has been changed multiple times. It now reflects : Two repossessions ( XX/XX/XXXX and XX/XX/XXXX ) Current status mixed with multiple 3090 day lates Reporting both a charge-off and an active past due balance ( {$5000.00} ), which is misleading and damaging The company also failed to provide debt validation from its collection partners, violating FDCPA 809. As a result, this tradeline is unfairly suppressing my credit and interfering with my ability to secure essential financing, including a mortgage.

Intent to Sue : If this account is not deleted or fully corrected within 15 business days, I will pursue legal action under : FCRA 611 and 623 for inaccurate, re-aged, and unverifiable reporting FCRA 616617 for willful and negligent noncompliance FDCPA 809 for failure to validate the debt

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 2025-05-22 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: LA

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX continues to report inaccurate, misleading, and damaging information on my credit report, and the credit bureau has failed to take corrective action after multiple disputes. 

The account in question was charged off in XXXX, yet XXXX continues to report monthly updates through XXXX, which misrepresents the age of the debt and violates FCRA 623 ( a ) ( 5 ). This is a re-aging tactic used to keep derogatory information active and harmful beyond its actual timeline.

Additionally, the payment history has been changed multiple times. It now reflects : Two repossessions ( XX/XX/XXXX and XX/XX/XXXX ) Current status mixed with multiple 3090 day lates Reporting both a charge-off and an active past due balance ( {$5000.00} ), which is misleading and damaging The company also failed to provide debt validation from its collection partners, violating FDCPA 809. As a result, this tradeline is unfairly suppressing my credit and interfering with my ability to secure essential financing, including a mortgage.

Intent to Sue : If this account is not deleted or fully corrected within 15 business days, I will pursue legal action under : FCRA 611 and 623 for inaccurate, re-aged, and unverifiable reporting FCRA 616617 for willful and negligent noncompliance FDCPA 809 for failure to validate the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: IN

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) AXXXX 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 2025-05-22 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: MO

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: MO

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information 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 2025-05-22 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: CBC Companies, Inc.
State: MA

Complaint narrative:
I have previously disputed with XXXX, XXXX  and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief