vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 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:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Date : To : Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, XXXX XXXX Subject : Complaint Regarding Erroneous Credit Reporting of Account : XXXX XXXX XXXX * * * * Dear Consumer Financial Protection Bureau XXXX XXXX. Introduction I, XXXX XXXX, hereby submit this formal complaint against the XXXX nationwide credit reporting agenciesEquifax, Experian, and XXXX failure to investigate and correct the inaccurate reporting of an account that does not belong to me, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

XXXX. Factual Background The account in question appears on my consumer credit reports under the name XXXX - XXXX * *. 

According to the credit reporting data, the account was : Opened on XX/XX/XXXX Last payment recorded on XX/XX/XXXX Closed on XX/XX/XXXX Listed as Charged off as bad debt and marked as Derogatory The balance is listed as {$0.00}, with a high balance of {$35.00}, and the account type is noted as an Installment Sales Contract. 

I have no knowledge of this account and never authorized any such account or transaction. 

I submitted written disputes to each of the XXXX credit reporting agencies, requesting : A copy of the original signed application or documentation used to open the account. 

None of the credit reporting agencies provided any such documentation substantiating my alleged authorization or liability. 

XXXX. XXXX Grounds XXXX the FCRA, credit reporting agencies are required to : XXXX a reasonable investigation upon receiving a consumer dispute ( 1681i ( a ) ( 1 ) ) Remove or correct any information that is found to be inaccurate or unverifiable ( 1681i ( a ) ( 5 ) ) By failing to provide validation or remove the unverified account, the credit bureaus are in willful and/or negligent noncompliance with their statutory obligations under federal law. 

IV. Harm The continued reporting of this account as derogatory and charged off has caused and continues to cause me harm, including : Negative impact on my credit score Impairment of my ability to obtain credit Emotional distress and undue burden in addressing an account I do not recognize or owe. XXXX I declare under penalty of perjury under the laws of the United States that the foregoing is true and correct to the best of my knowledge. 

Respectfully, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello I did receive my treasury check of XXXX and I made the deposit on XX/XX/XXXX. The wellsfargo bank actually deceived me on releasing the funds after a week only for my account to be closed the next day with no reason for the closure on XX/XX/XXXX I did received an email my account would be closed on XX/XX/XXXX. After some days again I received another email saying they extended to XX/XX/XXXX, and few days later again I also received another email about the closure of my account to XX/XX/XXXX. At this point it all points a red flag and probably something suspicious going on in the wellsfargo where they dont want to release my cash on my account. I also checked the status of the check and I was told it has been paid already so I dont understand why wellsfargo decided to cash the treasury XXXX and still close my account. I do have all screenshot of this

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 2025-10-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
XXXX Account Number : XXXX * * * * XXXX Account Number : XXXX * * * * XXXX Account Number : XXXX * * * * XXXX Account Number : XXXX * * * * XXXX Account Number : XXXX * * * * XXXX Account Number : XXXX * * * * XXXX Account Number : XXXX * * * * XXXX Account Number : XXXX * * * * XXXX XXXX XXXX  Account Number : XXXX * * * XXXX XXXX XXXX XXXX Account Number : XXXX * * * * XXXX XXXX XXXX Account Number : XXXX * * * * XXXX XXXX XXXX  Account Number : XXXX * * TXXXX  Account Number : XXXX * * * * XXXX XXXX XXXX Account Number : XXXX * * * * XXXX  Account Number : XXXX * * * * XXXX  Account Number : 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 2025-10-15 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: FL

Complaint narrative:
This company XXXX XXXX XXXX is in violation of my privacy rights. I never gave them permission to report a debt on my credit report. 
I never signed a contract with this company this company bought this debt in bulk the original creditor has charged this debt off never received a XXXX form from this company this company is trying to collect the wrong amount due according to my records through the XXXX XXXX clerk of courts i owe {$2600.00} this company is in violation of fcra which says i have the right to accurate information on my credit file please delete this account immediately.

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 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Midland Credit Management placed a collection account on my credit report without my knowledge or consent. I have never entered into any contract or agreement with this company, and they have failed to provide any validation, proof of assignment, or signed documentation verifying the alleged debt. Reporting unverified or inaccurate information is a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ). I am requesting a full investigation and removal of this inaccurate and unverified account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
On XXXX XXXX XXXX, I sent an International money wire from my Bank in Louisiana to where I am in XXXX, XXXX XXXX, it goes to an intermediary bank, then to here in XXXX! After not receiving the wire into my account, I checked the wire information and the last number was one off in the account number. I have cancelled the transaction and asked for the money to be returned to my bank account! Countless calls to my bank sending the wire, I have not received the money back into my account and the money did not go into an account in my XXXX, because they checked and thy told me that number was not an active account!! My bank that sent the wire has not helped get any answers why the intermediary bank has not returned my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency XXXX furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: MI

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research 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 - XXXX of investigation consumer report ; you are in violation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: LA

Complaint narrative:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you -- 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. 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! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-10-15 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you -- 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. 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! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I submitted a claim to Bank of America regarding unauthorized and fraudulent charges on my account. The claim number was XXXX. The company had originally provided credits for the unauthorized charges, but then proceeded to deny my claim via a letter dated XX/XX/2025. The company has refused to provide the information they relied upon to make their decision. They only stated that the chip was read, my PIN was entered, and I signed for the merchandise or service. Since someone stole the card in question of course the chip was read. I don't have a PIN associated with the card, so I'm not sure how XXXX was entered. By claiming this information, it shows Bank of America did not even research the claim and doesnt know anything about my account features. Someone fraudulently signed for the merchandise or service and the company has not provided these signatures or any proof the transactions were made by me. It seems rather obvious that anyone can fraudulently sign for a purchase, so I'm not sure how that proves the charges were made by me. I am filing a CFPB complaint because I want to know the evidence Bank of America relied upon when making their decision to repost these charges. So far, Bank of America has failed to provide any information and I feel the company is trying to sweep the incident under the rug.

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 2025-10-15 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: VA

Complaint narrative:
have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I asked the banker about compensation for hidden fees on my SSN number connected to my SSN number Convincing advertisement as far as the bank is getting XXXX in compensation for a purchases and they are not sharing the compensation that they're getting compensation fees for all of my transactions off of my SSN number and I am calling to get my share of the compensation

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 2025-10-15 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:
I am filing this complaint to report the continued inclusion of fraudulent and unverifiable accounts across all three of my credit bureau reports Equifax, Experian, and TransUnion despite having provided complete documentation establishing my status as both a victim of identity theft and a victim of human trafficking. 

Under Section 605C of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), the listed accounts and inquiries must be blocked and deleted within XXXX business days after receiving my supporting documentation. The credit reporting agencies have not yet complied with these federal requirements Fraudulent Accounts Resulting from Identity Theft and Human XXXX The following accounts were opened or misused without my authorization and must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are identified in both my FTC Identity Theft Report and my FCRA Section 605C XXXX XXXX XXXX XXXX XXXX signed by XXXX XXXX XXXX of the XXXX XXXX XXXX XXXX XXXX ( Violating FCRA 604 and 1681C-2 ) The following inquiries were performed without my knowledge or consent and must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I am a certified XXXX XXXX XXXX XXXX. The letters from both organizations, along with my XXXX XXXX, request immediate removal of all adverse items resulting from trafficking. 
According to 12 C.F.R. 1022.142, credit bureaus are prohibited from reporting any negative information resulting from severe trafficking within XXXX business days of receiving valid documentation. None of the bureaus have complied within the required timeframe. 

Failure to Conduct Proper Reinvestigation Despite sending formal dispute and deletion requests to all three bureaus, including proof of identity, address verification, and my FTC Identity Theft Report # XXXX, the disputed items remain on file. 
This constitutes a violation of FCRA 611 ( a ) ( failure to reinvestigate ) and FCRA 607 ( b ) ( failure to ensure maximum possible accuracy ).

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 2025-10-15 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: CA

Complaint narrative:
I challenge the accuracy of entries reflecting accounts never authorized by me. Please perform a comprehensive audit and expunge them. Relevant records are enclosed.

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