vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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: CA

Complaint narrative:
I am writing again in reference to a prior dispute I submitted, for which I have not received any proper response or seen any updates on my credit report. After continued monitoring of my report, the inaccurate information I previously disputed still remains unchanged. At this point, I must assume that a proper investigation was not conducted, as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: DISCOVER BANK
State: FL

Complaint narrative:
Probably second week of XX/XX/year> received notice from credit wise that a hard hit on my credit was done. After reviewing the credit report notice that Discover was the company that did the inquiry. I explained that I had not tried to obtain any loans or credit increase. They response that no activity was shown. Then I received a letter stating the email was changed on my account and if it was me, I need to contact them, so I did. Discovering then that Discover card also has a banking side so that why the card side could not see it. So, after speaking with the banking side I was told I would receive a affidavit in the mail to sign so they could start and investigation. Which to date have not gotten. I was told since the loan was XXXX, I would need to file a police report which I have done. I also have submitted letters to the XXXX bureau stating that the loan was fraud. I feel that Discover issue me a card credit and used my personal information for the banking side which the exposed me to credit fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: PA

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 : [ DEPTEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPTEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPTEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPTEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPTEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPTEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPTEDXXXX  ] Account Number : [ XXXX ] Creditor Name : [ DEPTEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPTEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPTEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPTEDXXXX  ] Account Number : [ XXXX ] Creditor Name : [ DEPTEDXXXX  ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: KS

Complaint narrative:
Hi so I contacted you guys yesterday regarding filing a dispute for 2 transactions which of those transaction that was filed was the wrong one amount is {$35.00} merchant name XXXX XXXX XXXX XXXX XXXX instead the transaction was suppose to have been {$35.00} merchant name XXXX XXXX XXXX as the other transaction amount of {$120.00} merchant name XXXX XXXX XXXX that I didnt not authorize both of the {$35.00} and {$120.00} didnt authorize as well as the other transaction I filed for fraud as I didnt authorize those transactions that was made a couple days ago with XXXX and XXXX amount of {$520.00} & {$420.00} still havent received my provisional credit for those as its been past 3 business days as I was told would take XXXX business days and both of those transactions disputes are still showing processing

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 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
On XXXX XXXX XXXX, I, XXXX XXXX, was a victim of Identity Theft Fraud. I have banked with Wells Fargo Bank for a numerous of years and hasnt ever been failed by you all as much as I am being failed now. 
I opened my account through my online portal on XXXX XXXX XXXX in an attempt to pay my phone bill when I noticed 4 fraudulent transactions. 

XXXX. XXXX XXXX {$1.00} XXXX. XXXX XXXX  {$1.00} XXXX. XXXX XXXX {$2500.00} ( transferred from my savings account to my checking account ) XXXX. XXXX {$9.00} XXXX, XXXX XXXX, immediately called Wells Fargo Bank and reported this suspicious activity. The customer service specialist I spoked with insured that Wells Fargo will conduct a thorough investigation within 10 business days. My card was deactivated and my online access was revoked because of this matter leaving me stranded with no funds and bills due. 

On Monday, XXXX XXXX XXXX I was notified by a Wells Fargo Customer service specialist that on Sunday XXXX XXXX XXXX my claim was denied and closed. The reason given was because my name, card and phone number was attached to these transactions despite me constantly saying this was not me. 

I am not understanding how within 2 days Wells Fargo Bank determined that this was a need to deny my claim without subpoenas to these companies and conducting a thorough and complete investigation. 

My last valid transaction on my account where I used my physical card was at XXXX XXXX in XXXX, Louisiana in the amount of {$49.00} on XX/XX/scrub>XXXX XXXX XXXX. 

Wells Fargo Bank failed me tremendously with this investigation and it has led me into fighting for my money that is supposed to be at all cost protected. Wells Fargo failed at notifying me by email and text message of these suspicious transactions before allowing them to go through. Within my years of banking with Wells Fargo I have never transferred an amount that big or made any purchases to these specific companies, XXXX and XXXX. Wells Fargo failed to make me feel important, cared about or that the money I work hard for and that my service of being a customer for years was not to say the least appreciated. 

I am requesting an appeal for a thorough investigation of my claim resulting in 4 non authorized transactions in the total amount of {$2500.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: MD

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! 


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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
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! 


DPT EDXXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: NC

Complaint narrative:
I am writing to dispute the following items on my credit report. These discrepancies are affecting my credit score and I request your immediate investigation and correction of the inaccuracies listed below. I believe these items do not accurately reflect my credit history, and they do not comply with the Fair Credit Reporting Act ( FCRA ). 


CHARGED OFF : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$240.00} XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$660.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX LATE PAYMENT : XXXXXXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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 previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: CITIBANK, N.A.
State: TX

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate information. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to an accurate and reliable credit report. I am requesting that these collection entries be investigated, and if they can not be confirmed as accurate, they should be deleted from my 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 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opend this account XXXX  depostied XXXX on it to. build my crdiet they needed my id to verify my identity i sent it i guess it was to blurry they asked agen and agen and i told them can i just close it get my momey back this is taking longer than i thought now they finnaly closed it and want me to wait 2 billing cycles and 14 days to get my money back my balance is XXXX $ inever used it and they insisted on ne trying and sendinng my same picture id this is nonsense i would like to. Expedite my refund

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-13 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: WI

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX  XXXX - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened : XXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX -- Balance : {$1200.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$590.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$650.00} - Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1700.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: CL Holdings LLC
State: TX

Complaint narrative:
I am formally requesting the deletion of this inaccurate account from my credit report, as I never authorized its creation or use. I have included the necessary documents to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: GA

Complaint narrative:
I am submitting this formal complaint to dispute certain accounts, inquiries, and charges on my credit report that I believe are inaccurate. Below are the details of the disputed items, separated by credit bureau. 
Charged-Off Accounts : 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

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
At the beginning of the year I pulled all 3 credit reports. At that time my credit score was over XXXX. I have no unpaid accounts and I have never been late. Some of the account information on old accounts are over 10 years old and should have been removed. There are close to 2 or 3 accounts reporting negatively on my credit report. I believe they are retail cards for which I have none. There are also inquiries for which I have not applied to. My information has been stolen. I am in a safe at home program provided by the secretary of state and it's for my protection. Im a survivor of XXXX XXXX and the ex spouse placed a forwarding mail order in my name and sent my mail to his personal mail address. I verified this with the supervisor in XXXX Louisiana. I also contacted the united states postal supervisor and filed a complaint. The only inquires I should have on my credit report are from accounts I currently have that are open and in good standing. Any other inquiries need to be removed. I am not shopping for credit card offers or loans of any kind. There are tons of credit inquiries for various companies that I did not give authorization to release my personal information. Some of the credit accounts are not reflecting the current and accurate information. Which alienated me from getting in the marketplace for fair interest rates and offers. This is a result of the credit bureaus not reporting correct and accurate information. Almost weekly I get some kind of alert of changes to my account. I have all of my credit bureaus locked or frozen. Its lifted temporarily for credit increases only or to verify my identity with current accounts I have. I disputed addresses, names, accounts that do not belong to me. Including debts that are the responsibility of my ex spouse. Any accounts over 10 years old need to be removed. Creditors like XXXX  XXXX continue to send me offers. I get alerts saying I currently have accounts and suspicious behavior. I do not have a credit card with them. I also received an offer for XXXX XXXX and XXXX in my email. I discovered these accounts on my credit report. I contacted them immediately and requested those accounts be closed. I never received a physical card. I never established credit with them and requested them to be removed off my credit report. XXXX, XXXX, XXXX are accounts of my ex spouse. I was the authorized card user. These accounts are over 10 years old and should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously submitted a written dispute to your bureau regarding several fraudulent accounts that do not belong to me. Along with my dispute, I provided a valid Identity Theft Report and proof of my identity as required under the FCRA ( Fair Credit Reporting Act ). Despite this, the disputed accounts remain on my credit file. 

These accounts are the result of identity theft and should have been deleted from my report once you received the proper documentation. Ive highlighted the remaining accounts that are still inaccurately reported. Your failure to remove them is causing ongoing harm to my credit standing and financial reputation. I am reattaching the Identity Theft Report and supporting documents for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
O would get charged an over draft fee if a transaction under {$2.00} would get processed and when I was short just a couple dollars on my account and a transaction would process I would get charges over draft fees on top of overdraft fees

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 2025-11-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting the deletion of this inaccurate account from my credit report, as I never authorized its creation or use. I have included the necessary documents to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: MI

Complaint narrative:
On XXXX I received a note from XXXX that they no longer had a partnership with a company called XXXX, which I had booked a reservation with. 

On XX/XX/year> I reached out to XXXX and to XXXX. XXXX AI assistant advised theyre no longer monitoring their customer support channels. XXXX advised that theyre unable to access the reservation confirmation number I provided them with since they no longer have access to XXXX XXXX and the payment was NOT processed by XXXX but by XXXX XXXX As a result, Marriotts recommendation was to file a dispute with my bank ( see evidence below ) Shortly after that, via news stories in the internet, I learned that XXXX had went bankrupt and XXXX terminated their partnership with them. 

I filed a claim with my bank, US Bank, who rejected my request. Now Im left paying a bankrupt company for accommodations I wont receive and my bank refuses to provide any support to me in help recovering those stolen funds under Reg E.

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