vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX, I was contacted by a number that was the same as Wells Fargo XXXX. The caller said my account was taken over due to fraud and someone opening up credit in my name. The person gave me all of the last XXXX digits of all my banking accounts along with the balances. The person was able to transfer amounts from all the accounts into XXXX account. 
They then told me a fraudulent loan was taken out via XXXX XXXX and needed to be replaced. I was told in order to do that, they need to initiate XXXX XXXX XXXX totaling {$8600.00}. They started with amounts of {$1000.00} XXXX times and then XXXX of {$600.00}. Each time I was asked for a code to give them. Because in my mind I was talking to Wells Fargo, I felt confident since the caller knew all my information. 

I filed a fraud claim immediately, because my mother 's accounts are tied to mine and she happened to log into her bank account when I completed the call and noticed all her money was gone. Within XXXX minutes of hanging up with the scammer, I contacted Wells Fargo fraud department to report my claim. I was told they would investigate and I also filed a police report with XXXX XXXX XXXX 's Department. 

When I checked my Wells Fargo fraud claim yesterday XX/XX/XXXX in the banking portal, I noticed my claim was closed and denied. No explanation. I need help and assistance on how to get my money back. 

My Police Report # is 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 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: OK

Complaint narrative:
IQ DATA XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research IQ DATA XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: AZ

Complaint narrative:
Complaint Narrative I am submitting this complaint regarding inaccurate and inconsistent credit reporting related to multiple tradelines furnished by XXXX XXXX Department of Education and reported by XXXX XXXX and TransUnion. 

I have identified ten separate tradelines ( listed in the attached table labeled Document XXXX ) that contain materially inconsistent and unverifiable information across the credit bureaus. These inconsistencies include : different account numbers for the same alleged obligations conflicting opened dates conflicting reported dates missing or contradictory last payment information inconsistent creditor name and phone number listings Because the same accounts appear with materially different data depending on the bureau, the information can not be verified as accurate. 

I have attached a table summarizing each tradeline and the discrepancies observed, along with supporting credit report excerpts. These inconsistencies demonstrate failures to maintain accurate reporting and failures to correct inaccurate information after notice. 

I am requesting that the CFPB review this matter and require correction or deletion of the inaccurately reported tradelines, and ensure that the furnishers and consumer reporting agencies comply with their obligations under the Fair Credit Reporting Act.

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 2025-12-25 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: AZ

Complaint narrative:
Complaint Narrative I am submitting this complaint regarding inaccurate and inconsistent credit reporting related to multiple tradelines furnished by XXXX XXXX Department of Education and reported by XXXX, Equifax, and XXXX. 

I have identified ten separate tradelines ( listed in the attached table labeled Document 7 ) that contain materially inconsistent and unverifiable information across the credit bureaus. These inconsistencies include : different account numbers for the same alleged obligations conflicting opened dates conflicting reported dates missing or contradictory last payment information inconsistent creditor name and phone number listings Because the same accounts appear with materially different data depending on the bureau, the information can not be verified as accurate. 

I have attached a table summarizing each tradeline and the discrepancies observed, along with supporting credit report excerpts. These inconsistencies demonstrate failures to maintain accurate reporting and failures to correct inaccurate information after notice. 

I am requesting that the CFPB review this matter and require correction or deletion of the inaccurately reported tradelines, and ensure that the furnishers and consumer reporting agencies comply with their obligations under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: VA

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 the38668re is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-12-25 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: TX

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2025-12-25 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: GA

Complaint narrative:
I am submitting this complaint regarding inaccurate and unverified information that Equifax is reporting on my consumer credit file. Equifax has failed to ensure maximum possible accuracy as required under the Fair Credit Reporting Act. I am requesting that the CFPB require Equifax to conduct a proper reinvestigation and correct or delete the inaccurate information described below. 
The address listed as XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX is not mine. I have no knowledge of this address, have never resided there, and did not provide it to any creditor. This address is inaccurately associated with my credit profile and must be deleted from my Equifax report. 
The account reported as XXXX XXXXXXXX, opened on XX/XX/XXXX and showing a charge-off with a high balance of {$3300.00}, is not an account I recognize. I have no knowledge of this account, and Equifax has not provided proper verification establishing that this account belongs to me. This account must be deleted unless accurate verification is produced. 
The account reported as XXXX XXXX XXXX, opened on XX/XX/XXXX with a high balance of {$540.00}, contains inaccurate late payment reporting. Equifax must correct the late payment history to reflect only information that is accurate and can be fully verified. 
The account reported as XXXX  XXXX, opened on XX/XX/XXXX and reported as a charge-off with a high balance of {$940.00}, is not an account I recognize. I dispute ownership of this account and request deletion due to lack of proper verification. 
The account reported as XXXX XXXXXXXX, opened on XX/XX/XXXX with a high balance of {$3000.00}, contains inaccurate late payment reporting. Equifax must correct any unverified late payment history associated with this account. 
The account reported as WFC XXXX, opened on XX/XX/XXXX and listed as a charge-off with a high balance of {$550.00}, is not an account I recognize. This account must be deleted unless Equifax can provide proper verification that it belongs to me. 
The account reported as GAS OWN XXXX XXXX, opened on XX/XX/XXXX with a high balance of {$18000.00}, contains inaccurate late payment reporting. Equifax must correct this account to reflect only accurate and verifiable payment history. 
The collection account reported as XXXX XXXX XXXX, opened on XX/XX/XXXX with a balance of {$550.00}, is not an account I recognize. Equifax has not provided proper verification, and this collection must be deleted. 
I am requesting that the CFPB require Equifax to comply fully with the Fair Credit Reporting Act by removing the unverified address, correcting inaccurate late payment histories, and deleting any accounts or collections that can not be properly verified as belonging to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
They continued to send emails and letters to collect a DEBT that's clearly does not have my name upon it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$17000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$16000.00} INQUIRIES : XXXX XXXX - XX/XX/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 2025-12-25 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: TX

Complaint narrative:
The absence of any verifiable documentation to confirm the accuracy of this information, along with the reporting of data that has not been properly substantiated, constitutes a direct violation of the requirements set forth under 15 USC 1681i ( 7 ). This failure to comply with statutory obligations is not only concerning but also highly disappointing, given the importance of maintaining accuracy and following federal guidelines.

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 2025-12-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc.
State: IL

Complaint narrative:
CENTRALPORTFis falsely reporting on my credit. I have never had any accounts with them. Per my research CENTRALPORTFis a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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:
In early XX/XX/XXXX, I reviewed my credit report and discovered XXXX credit card accounts that were reporting as charged off. These accounts had been opened approximately XXXX years earlier and were not previously reflected on my credit report in this manner, which is how I became aware of the issue. 

After identifying these accounts, I disputed them with Experian and submitted a valid FTC Identity Theft Report and a police report. Based on this documentation, Experian deleted all XXXX accounts in under XXXX weeks, and my credit score increased by approximately XXXX points. 

On or about XX/XX/XXXX, I reviewed my Experian credit report again and discovered that XXXX of the previously deleted accounts, a XXXXXXXX XXXX XXXX account opened on XX/XX/XXXX, had been reinserted and marked as verified and updated. The account reflects a reported balance of approximately {$1800.00}. The remaining disputed accounts continue to remain deleted. 

The reinsertion of this account caused an immediate and significant negative impact to my credit profile, including a XXXX decrease in my FICO score after it had gone up XXXX points XXXX weeks prior my score went down.

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 2025-12-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
The company garnished my bank, my bank which is XXXX Bank sent me information via mail that they had a court order to fulfill a garnishment which they took directly out of my account XXXX. Which was the debt when they sent the garnishment to my bank. This happened XX/XX/year>. The first week of XXXX they begin garnishing my wages from my employer. They have a garnishment for XXXX which is greater than the amount they already took. They have took XXXX which is a total of XXXX. I contacted XXXX XXXX clerk of courts and they confirmed that they received my payment from my bank. They also confirmed that they sent a check to the Debtor. The credit card company is still claiming they have not received any payments so they are still garnishing my wages. I have overpaid this debt. And theyre refusing to send me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
On XX/XX/year>, a transaction for {$21.00} was charged to my Cash App account by the merchant " XXXX. '' I formally disputed this transaction through Cash App because the charge was unrecognized, and I could not identify which XXXX account or service this payment was associated with, nor have I received any goods or services for this amount. 

Cash App denied my dispute on XX/XX/year>, stating only : " We found the disputed transaction was initiated by a device in your possession. '' I am filing this complaint because Cash App ( Block, XXXX ) failed to conduct a reasonable investigation as required under the Electronic Fund Transfer Act ( Regulation XXXX ). 

- Insufficient Investigation : Cash App denied my claim solely based on technical data ( XXXX XXXX ID ). While this proves my device was used, it does not prove that I authorized this specific recurring charge or that I received the services paid for. 

- Unrecognized Billing : There were previous failed attempts by this merchant to charge my card which I ignored, indicating a lack of active consent. When XXXX charge finally succeeded, I disputed it immediately. 

- Lack of Merchant Evidence : Cash App has not provided evidence from the merchant ( XXXX ) proving a contract existed or that services were rendered to me. They simply closed the case based on a device match.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: IL

Complaint narrative:
i recently reviewed my XXXX score and noticed that it was a fraudulent account reporting to my credit report. This account needs to be removed immediately. This auto loan fraudulent account ( XXXX XXXX  ) opened on XX/XX/2025 with the amount of {$37000.00}. Another fraudulent account ( XXXX XXXX XXXX ) Opened on XXXX XXXX with the amount of {$600.00}. Please remove these fraudulent accounts from m y XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: NV

Complaint narrative:
This account is inaccurately reported as a " Charge Off '' and shows multiple derogatory payment statuses ( e.g., 30, 60, 90, 120, 150 days past due, Collection/Charge-off marks ). I dispute the accuracy and completeness of this information. I demand that you verify the complete payment history and account status with the original creditor. If the original creditor can not fully verify the accuracy and completeness of this information as required by 15 U.S.C. 1681s-2 ( b ), or if you can not verify it during your reinvestigation, this entire account and all associated derogatory marks must be promptly deleted 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