vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 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: FL

Complaint narrative:
Credit Report Inaccuracy Dispute To : dispute department Date : XXXX Dear Dispute Department, I reviewed my credit report on XXXX XXXX XXXX ( Subject : Urgent Request for Removal of Fraudulent Accounts Within 7 Days To Whom It May Concern, I am writing to urgently dispute fraudulent accounts that have been wrongfully reported on my XXXX credit file. These accounts were opened without my knowledge or authorization and are the result of identity theft. The following accounts are fraudulent and must be removed from my credit report immediately : 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 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 XXXX XXXXXX/XX/XXXX I am formally requesting that these accounts be removed from my report within 7 days of receipt of this letter, due to the serious and damaging impact they are having on my credit standing and personal security. I have enclosed copies of the following documents to support my claim : A copy of my government-issued identification Proof of my current address A copy of the police report and/or identity theft affidavit Any relevant documentation proving the accounts are fraudulent Please confirm in writing that these accounts have been deleted from my file. If I do not receive a response within 7 days, I will escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. Thank you for your prompt attention to this urgent matter. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Credit Report Inaccuracy Dispute To : dispute department Date : XXXX Dear Dispute Department, I reviewed my credit report on XXXX XXXX XXXX ( Subject : Urgent Request for Removal of Fraudulent Accounts Within 7 Days To Whom It May Concern, I am writing to urgently dispute fraudulent accounts that have been wrongfully reported on my XXXX credit file. These accounts were opened without my knowledge or authorization and are the result of identity theft. The following accounts are fraudulent and must be removed from my credit report immediately : 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 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 XXXX XXXXXX/XX/XXXX I am formally requesting that these accounts be removed from my report within 7 days of receipt of this letter, due to the serious and damaging impact they are having on my credit standing and personal security. I have enclosed copies of the following documents to support my claim : A copy of my government-issued identification Proof of my current address A copy of the police report and/or identity theft affidavit Any relevant documentation proving the accounts are fraudulent Please confirm in writing that these accounts have been deleted from my file. If I do not receive a response within 7 days, I will escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. Thank you for your prompt attention to this urgent matter. )

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 2025-07-30 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:
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 2025-07-30 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: NC

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 2025-07-30 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: NC

Complaint narrative:
I have submitted multiple disputes and formal requests to both the credit reporting agencies and the furnisher of this debt on XX/XX/year> and XX/XX/year>, and I continue to be ignored or given vague responses. 

The company is reporting a debt they claim I owe, but they have never provided full validation or required documentation that I have formally requested under the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ). Theyve only provided basic statements, which are not proof of liability, contract, or disbursement. No accounting ledger, original application, or lawful validation has been provided. 

I also submitted a FCRA 605B Identity Theft Block Request, which was either ignored or not processed correctly. This is a violation of FCRA 605B, which requires a consumer reporting agency to block information that is the result of identity theft. 

Despite repeated efforts, I can not get a response from a live representative, and I am continually denied proper communication channels. This failure to investigate and refusal to honor federal law has caused emotional harm, distress, and financial limitations, as this account continues to report inaccurately.

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 2025-07-30 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I recently reviewed my credit report and noticed fraudulent activity. This account ending in XXXX does not belong to me. I have filed a report with identity theft and I was also impacted in the XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: GA

Complaint narrative:
The following accounts were disputed with all credit bureaus. One bureau found them to be inaccurate and removed them. The others either failed to respond appropriately or returned generic, unverifiable responses. This results in inconsistent credit reporting and demonstrates non-compliance with FCRA obligations to correct or remove unverifiable data. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$17000.00}

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 2025-07-30 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: GA

Complaint narrative:
The following accounts were disputed with all credit bureaus. One bureau found them to be inaccurate and removed them. The others either failed to respond appropriately or returned generic, unverifiable responses. This results in inconsistent credit reporting and demonstrates non-compliance with FCRA obligations to correct or remove unverifiable data. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$17000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: CA

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 2025-07-30 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:
Subject : CFPB XXXX XXXX Equifax Failure to Locate Credit File To Whom It May Concern, I am writing in response to Equifaxs reply to my CFPB complaint # XXXX in which you claimed you were unable to locate my credit profile. This is both inaccurate and unacceptable. 

As stated in my original complaint, I included two forms of government-issued identification and a utility bill, which clearly verify my identity. These documents were attached specifically to prevent any such issue. If there was a problem reviewing them, that should have been clearly communicated instead of issuing a blanket statement that you could not locate my file. 

To be clear : My identifying information has been provided. 
My credit file is active and accessible to other parties, including XXXX XXXX XXXX 
I am requesting a full reinvestigation of the disputed items under the FCRA, and expect Equifax to process my disputes in good faith. 

This failure to act or to properly review the documentation provided may be considered willful noncompliance under the Fair Credit Reporting Act. I am attaching the same documents again here to ensure there are no excuses moving forward. 

Please confirm receipt of this response and proceed with the dispute investigation immediately. 

Sincerely, XXXX XXXX XX/XX/year> XXXX Attachments : ID ( Drivers License, XXXX ), XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: AR

Complaint narrative:
I am a victim of identity theft. Several fraudulent accounts appeared on my TransUnion credit report, including : XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX {$490.00} Charge-Off XXXX XXXX {$2200.00} Collection Absolute Resolutions Investments {$2300.00} Collection I first became aware of this fraud in XX/XX/year> when reviewing my TransUnion report. These accounts were opened without my knowledge or consent and are the result of identity theft. 

I filed an FTC Identity Theft Report ( Report # XXXX ) on XX/XX/year> and submitted a formal dispute to TransUnion under FCRA XXXX, requesting immediate blocking and removal of these accounts. Despite these actions, the accounts remain and are damaging my credit. 

I am requesting that TransUnion comply with federal law and block all fraudulent accounts from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: ROBINHOOD MARKETS INC.
State: TN

Complaint narrative:
I contacted XXXX on XX/XX/year> in regards to a recent transaction that went through on XXXX where {$500.00} was deducted from my spending account. I was traveling near my city 's airport where I experienced several service blackouts whilst watch XXXX XXXX via XXXX. I was in the process of checking wagers when the app claimed it couldn't verify my location. The app went black, then a {$500.00} transaction came out. I contacted support as soon as the app loaded back up, but the app went down again whilst messaging one agent, I then reached out to another support agent via XXXX app where they claimed it was nothing they could do. So I contacted XXXX to dispute the charge, this lead to them cancelling and reissuing a bank card, claiming it would take 90 days for an investigation, but could be settled in 45 days they claimed if no resolution was met in 10 days they would issue a provisional credit. This came days after a XXXX agent claimed he would have the dispute team reach out to me which they failed to do so. I was told by an agent on or before XX/XX/year> a {$500.00} credit would be issued. I from the day of XX/XX/year> received various conflicting emails from XXXX automatic system and scripted responses from the dispute. Here on XX/XX/year> after being informed by XXXX that a dispute was paid to XXXX, XXXX has claimed the dispute has been denied. This likely in part to my various times of reaching out due to several agents continuously closing my dispute case in between the 10 day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: MO

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly XXXX XXXX. XXXX ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and XXXX hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
Follow up regarding complaint ; XXXX Dear Consumer Financial Protection Bureau , This is a follow-up to my initial complaint regarding my loan servicers failure to respond to my submission of successor in interest documentation on XX/XX/year>. 

Under federal lawspecifically Regulation X, 12 CFR 1024.36 ( d ) loan servicers are required to acknowledge receipt of a written request, including successor in interest documentation, within XXXX business days. As of today, more than XXXX weeks have passed, and I have received no acknowledgment, update, or communication of any kind. 

This requirement applies in all states, including Virginia. I am aware that Virginia does not impose separate regulations on servicers in this regard, and that federal guidelines govern their obligations. 

I have escalated this matter to every department and individual I have ever interacted with at this company dating back to XXXX mitigation, assumptions, loan servicing, customer serviceand no one has provided a response or resolution. 

This ongoing pattern of non-responsiveness demonstrates a clear failure to comply with federal servicing rules, particularly those designed to protect individuals in the process of being recognized as successors in interest. 

I respectfully request the CFPBs assistance in ensuring the servicer complies with federal law by acknowledging my documentation and addressing my status without further delay. 

Please let me know if you require any additional information. 

Thank you for your continued attention to this matter. 

Sincerely, 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 2025-07-30 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: ID

Complaint narrative:
I have a Wells Fargo credit card, and I typically make payments from an external bank accountspecifically from my XXXX checking account. However, I recently learned that Wells Fargo limits the number of payments you can make from an external account each month. This restriction was not clearly disclosed when I signed up for the card or in any of the regular communications Ive received. 

To make unlimited payments, Wells Fargo effectively requires customers to open a XXXX  account with them. But that account comes with a monthly fee unless you set up direct deposit or meet other conditions. In other words, to maintain flexibility in how I pay my credit cardsomething I should reasonably expectIm being nudged into opening and funding a Wells Fargo XXXX  account. 

This setup feels intentionally restrictive and coercive. It appears designed to pressure customers into consolidating their banking with Wells Fargo, potentially in a way that limits consumer choice and adds unnecessary fees. XXXX Wells Fargo 's prior history of deceptive and manipulative banking practices, this policy raises significant concerns. 

I believe this restriction should be re-evaluated for fairness and transparency. Customers should not be penalized for choosing to bank elsewhere or for attempting to pay their credit cards responsibly.

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 2025-07-30 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:
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 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