vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXXXXXX XXXX  XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5600.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6400.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: GA

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved.

This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting.

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries 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 2025-08-27 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 filing this complaint because Experian has refused to comply with the Fair Credit Reporting Act ( FCRA ), Section 605B, regarding identity theft. 

On XX/XX/scrub> 2025, I submitted an identity theft report ( FTC Identity Theft Affidavit / Police Report ) and proof of my identity to Experian. I identified specific accounts as fraudulent and requested an identity theft block under 15 U.S.C. 1681c-2.

By law, Experian is required to block the reporting of fraudulent information within 4 business days of receiving : Proof of my identity, A proper identity theft report, and My identification of the fraudulent information.

Instead, Experian representatives have informed me that internal policies prevent them from applying the block, and that they will only process the matter as a standard dispute with a 30-day timeline.

This is a direct violation of FCRA 605B, which explicitly requires a block in 4 business days. Internal policies can not override federal law. A dispute investigation under 611 ( 30 days ) is not a substitute for the fraud block required under 605B.

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 2025-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/scrub>, 2025, I received two XXXX payments from a friend : one for {$340.00} and another for {$600.00}. These were legitimate transfers that we agreed upon in advance. I have text messages and phone call records with this person confirming the arrangement. 

Several weeks later, I began having issues logging into my Wells Fargo account. When I called Wells Fargo, I was told that my account had been flagged for fraud related to those XXXX payments. Wells Fargo stated that I had committed fraud simply for receiving the transfers. However, I did not initiate or manipulate these payments the sender entered my information and confirmed the transactions themselves. XXXX requires the sender to review and confirm details before sending, so it makes no sense to accuse the recipient of fraud. 

Wells Fargo reversed both payments, removed the funds from my account, and permanently restricted my XXXX access. I have repeatedly explained that I have documentation ( screenshots of text messages, phone records, etc. ) proving that these were legitimate transfers and that the fraud claim came from the sender, not from me. Despite this, Wells Fargo has never asked me to provide my evidence. 

I escalated this matter multiple times, including through Wells Fargos Executive Office. Each time, I received the same generic letter stating my case was reviewed and closed, but no one has actually reviewed my proof or conducted a fair investigation. Wells Fargo representatives simply tell me to contact XXXX, and XXXX tells me the bank controls the restriction. I am being given the runaround with no path to resolution. 

I am disputing Wells Fargos lack of investigation and unfair treatment. I am requesting : 1. That my evidence be reviewed so I can clear my name.

2. Restoration of my XXXX access. 
3. Reimbursement of the funds ( {$340.00} and {$600.00} ) that were unfairly taken from my account.

I have never had fraudulent activity on my account and this situation is unjustified. I simply received money from someone who later made a false fraud claim, and now I am being treated as if I were the one committing 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 explanation
Consumer complaint received 2025-08-27 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: Sparrow Financial, Inc.
State: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account and personal loans the names are SPARROW FNCL ( credit card ) and XXXX XXXX XXXX ( personal loan ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: FL

Complaint narrative:
On XX/XX/scrub> 2024, I paid in full the account with XXXXXXXX XXXX XXXX XXXX XXXX in the amount of {$130.00}. Despite this payment, the account continues to be reported to the credit bureaus as a charge-off/collection with an outstanding balance. This reporting is inaccurate and misleading. 

Under the Fair Credit Reporting Act ( FCRA 623 ), furnishers are required to provide information that is accurate and up-to-date. Continuing to report this account as a charge-off after full payment creates the false impression of an active delinquency, which is not correct. 

I request immediate correction of this tradeline to reflect Paid/Closed with {$0.00} balance, or removal of the account entirely if XXXX can not verify accurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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:
On XX/XX/ 2024, I paid in full the account with XXXX XXXX  ( XXXX  ) in the amount of {$130.00}. Despite this payment, the account continues to be reported to the credit bureaus as a charge-off/collection with an outstanding balance. This reporting is inaccurate and misleading. 

Under the Fair Credit Reporting Act ( FCRA 623 ), furnishers are required to provide information that is accurate and up-to-date. Continuing to report this account as a charge-off after full payment creates the false impression of an active delinquency, which is not correct.

I request immediate correction of this tradeline to reflect Paid/Closed with {$0.00} balance, or removal of the account entirely if XXXX can not verify accurate reporting.

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 2025-08-27 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:
On XX/XX/scrub> 2024, I paid in full the account with XXXX XXXX ( XXXX ) in the amount of {$130.00}. Despite this payment, the account continues to be reported to the credit bureaus as a charge-off/collection with an outstanding balance. This reporting is inaccurate and misleading. 

Under the Fair Credit Reporting Act ( FCRA 623 ), furnishers are required to provide information that is accurate and up-to-date. Continuing to report this account as a charge-off after full payment creates the false impression of an active delinquency, which is not correct.

I request immediate correction of this tradeline to reflect Paid/Closed with {$0.00} balance, or removal of the account entirely if XXXX can not verify accurate reporting.

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 2025-08-27 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$820.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am disputing this XXXX XXXX account being collected by Midland. The balance shows charged off and past due, status dates conflict, and the balance exceeds the credit limit. I have requested validation of this debt under FDCPA 809 ( 15 U.S.C. 1692g ) and will only acknowledge responsibility if proper verification is provided. Please investigate and correct/remove this account per FCRA 1681i, 1681e ( b ), 1681s-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: DE

Complaint narrative:
I could never speak with a representative at cashapp so I lost XXXX to someone using my cashapp fraudulently

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally disputing a fraudulent account that has been reported under my credit profile. I did not authorize, open, or use this account, and its reporting is entirely false. This inaccurate information is damaging my creditworthiness and misrepresenting my financial history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute.

I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-27 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$820.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 explanation
Consumer complaint received 2025-08-27 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: CA

Complaint narrative:
I am disputing a late payment entry currently listed on my credit file. Verified records demonstrate that all payments were made on time, and this reported late payment is therefore incorrect. This error is misleading and adversely affects my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Im filing this complaint with Santander XXXX  USA, I need contact from this finance company, this deal I signed with XXXX does on the 2024 does XXXX I have, another finance director found fraud, financing fraud, false advertising, bait and switch tactics, put add ons in my deal with our my consent, I also found that Santander helped changed my interest rate from 11 percent, to 12.9 precent, this finance manager for XXXX XXXX XXXX XXXX said after I had to resign paperwork that owe me XXXX Santander changed your interest rate from 11 % financing to 12.9 but Ill shave some of it off to 12.51 this was after I signed paperwork, I was deceived into thinking I still had 11 % financing thats not what happen here this whole deal was signed under fraud, this is everything they did to me and showed Santander even helped, Inflating the total purchase price above the invoice or sticker price, such as by concealing options the consumer did not request, or by including other unapproved and undisclosed fees ; Falsely stating that optional features are required ; Advertising a vehicle for a certain price and then telling consumers that the advertised deal is no longer available and attempting to sell them the same vehicle at a higher price, often known as a bait and switch scheme ; Undervaluing or underpaying for a consumers trade-in vehicle ; Falsely representing a used vehicle, including one originally purchased from the dealership and then returned, as new ; Representing that a new or used vehicle has features or options that it does not have ; Claiming that a warranty offers protections that it does not offer, or falsely representing an extended service contract as an extended warranty ; deceptive business practices, please contact me immediately, I am speaking to an attorney I havent hired one but its more likely I will, this needs to resolved and I want every document that was sent to Santander by XXXX XXXX, please contact me I will explain the situation

Company response to consumer: Closed with explanation