vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Equifax 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal dispute with Equifax to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Equifax responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Equifax for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX veteran who XXXX XXXX  XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only one week remaining to finalize my home purchase. Equifaxs refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Equifax fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Equifax be held accountable for the injury and distress they have caused. 

I am attaching supporting documents, including copies of my dispute submission and Equifaxs stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year>, I submitted a formal written request to Wells Fargo Auto ( WFBNA ) pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605C, codified at 15 U.S.C. 1681c3 and 12 C.F.R. 1022.142, requesting that they block and permanently remove adverse tradelines associated with two auto loan accounts that resulted directly from financial exploitation tied to my status as a documented survivor XXXX XXXX XXXX. 

My submission included all legally required documentation : A signed, notarized self-attestation declaring my status as a survivor of XXXX XXXX ; Proof of identity and address ; Reports filed with the FTC, IC3, XXXX XXXX XXXX and the Texas Attorney Generals Office ; My professional credentials as a XXXX XXXX XXXX XXXX and XXXX XXXX victim under federal standards. 

In response, Wells Fargo acknowledged receipt of the documents but refused to block or remove the adverse tradelines. They asserted that because they found no unusual activity on the accounts and because the contracts were technically executed, they were required to continue reporting accurate information under FCRA. This position directly contradicts the plain language and intent of Section 605C, which does not require survivors to prove fraud or dispute accuracy, but instead mandates deletion upon receipt of qualifying documentation. 

Wells Fargos interpretation is legally flawed. Under 12 C.F.R. 1022.142 ( c ), furnishers of information are explicitly required to block adverse information caused by XXXX  upon receiving the appropriate documentation. The regulation does not limit this obligation to consumer reporting agencies alone. 

As a result of their refusal, the adverse accounts continue to appear on my credit report with XXXX  and possibly other CRAs, despite being tied to coercion and financial abuse during my victimization. This directly undermines the federal protections afforded to human trafficking survivors and causes me continued emotional and financial harm. 

I am now submitting this new complaint because Wells Fargo has willfully failed to comply with Section 605C and has materially misrepresented their legal obligations. Their ongoing reporting of these tradelines constitutes a continuing violation of the FCRA and warrants urgent regulatory scrutiny.

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Ive sent multiple letters requesting that each credit bureau send me copies of the documentation that was used to " verify '' accounts on my report. I asked for the specific copy/proof that was used to show that the evidence and documentation that was used is metro XXXX XXXX. This is my right under the FCRA 15usc 1681 ( i ). I politely asked that each bureau simply not respond with " verified/accurate '' and to just simply please re-investigate and send me copies of the evidence that was recieved from the crediors. I as a consumer have recieved NOTHING! Only immediate responses of " account verified ''. 

Since I havent recieved no such documentation I have to conclude that nothing has been reinvestigated or verified and my rights have been violated inregards to FCRA 611a7. I havent recieved written proof that information was forwarded to the credior nor the required information you used in your investigation to affirm my earlier disputes

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Ive sent multiple letters requesting that each credit bureau send me copies of the documentation that was used to " verify '' accounts on my report. I asked for the specific copy/proof that was used to show that the evidence and documentation that was used is metro XXXX XXXX. This is my right under the FCRA 15usc 1681 ( i ). I politely asked that each bureau simply not respond with " verified/accurate '' and to just simply please re-investigate and send me copies of the evidence that was recieved from the crediors. I as a consumer have recieved NOTHING! Only immediate responses of " account verified ''. 

Since I havent recieved no such documentation I have to conclude that nothing has been reinvestigated or verified and my rights have been violated inregards to FCRA 611a7. I havent recieved written proof that information was forwarded to the credior nor the required information you used in your investigation to affirm my earlier disputes

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: CA

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

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX INQUIRIES : XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX Date : XX/XX/year> XXXXXXXX XXXX Date : XX/XX/year>

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 2025-06-20 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: NJ

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX 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 XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: CA

Complaint narrative:
b'This CFPB complaint has been filed to request pursuant to FCRA  605B (15 U.S.C.\n  1681c-2) that you, the Experian credit reporting agency, block information\n appearing on my consumer credit report that is the result of identity theft and fraud\n within 4 business days of you receiving this complaint. The following items do not\n belong to me and is a result of fraud that I did not authorize:\n Also, would like to have all addresses and names REMOVED from my credit report,\n except\n for my only name and address listed below:\n Name: XXXX XXXX\n Address: XXXX XXXX XXXX XXXX CA XXXX\n ACCOUNTS:\n XXXX  - Account Number: XXXX, Date Opened: XXXX, Balance:\n XXXX \XXXX  - Account Number: XXXX, Date Opened: XXXX, Balance: XXXX \nXXXX - Account Number: XXXX, Date Opened: XXXX XXXX XXXX Balance:\n XXXX \nXXXX - Account Number: XXXX, Date Opened: XXXX XXXX Balance:\n XXXXXXXX  \nXXXX - Account Number: XXXX, Date Opened: XXXX, Balance:\n 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 2025-06-20 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: AZ

Complaint narrative:
Pursuant to my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g, I formally requested validation of the alleged debts referenced as Credit Card account opened at XXXX  XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX Credit Card account opened at XXXX  XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Card account opened at XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Unsecured loan account opened at XXXX  XXXX XXXX XX/XX/XXXX account number XXXXXXXX XXXX XXXX Unsecured loan account opened at XXXX  XXXX XXXX XX/XX/XXXX account number XXXX XXXX XXXX  Unsecured loan account opened at XXXX XXXX XXXX XX/XX/XXXX account number XXXX XXXX XXXX Unsecured loan account opened at XXXX XXXX XXXX XX/XX/XXXX account number XXXX XXXX XXXX Unsecured loan account opened at XXXX  XXXX XXXX XX/XX/XXXX account number XXXXXXXX XXXX XXXX Unsecured loan account opened at XXXX XXXX XXXX XX/XX/XXXX account number XXXX XXXX XXXX Collection account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX Credit Card account opened at XXXX  XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX  Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

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 2025-06-20 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:
Pursuant to my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g, I formally requested validation of the alleged debts referenced as Credit Card account opened at XXXX  XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX Credit Card account opened at XXXX  XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Card account opened at XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Unsecured loan account opened at XXXX  XXXX XXXX XX/XX/XXXX account number XXXXXXXX XXXX XXXX Unsecured loan account opened at XXXX  XXXX XXXX XX/XX/XXXX account number XXXX XXXX XXXX  Unsecured loan account opened at XXXX XXXX XXXX XX/XX/XXXX account number XXXX XXXX XXXX Unsecured loan account opened at XXXX XXXX XXXX XX/XX/XXXX account number XXXX XXXX XXXX Unsecured loan account opened at XXXX  XXXX XXXX XX/XX/XXXX account number XXXXXXXX XXXX XXXX Unsecured loan account opened at XXXX XXXX XXXX XX/XX/XXXX account number XXXX XXXX XXXX Collection account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX Credit Card account opened at XXXX  XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX  Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: WI

Complaint narrative:
There was an unauthorized withdrawal of my account at an ATM in Florida ( I live in Wisconsin ). I filed a dispute... was denied. Filed 2nd dispute... denied. Filed 3rd and still denied. I submitted ample information to show I didn't make that withdrawal. There is no reason I should be denied. Im ready to file legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: IL

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: FL

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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$00.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX, XXXX Account Number XXXX Balance : {$230.00} Open Date XX/XX/XXXX XXXX XXXXXXXX XXXX Account Number XXXX Balance : {$85.00} Open Date XX/XX/XXXXXXXX XXXX XXXX Account Number XXXX Balance : {$180.00} Open Date XX/XX/XXXX XXXX XXXX Account Number XXXX Balance : {$13000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX  Account Number XXXX Balance : {$2100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year>

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