vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 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: CA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX List of Unauthorized Inquiries : 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 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
So Ive had an ongoing issue with Wells Fargo allowing a scammer to retrieve money from my account. They presented themselves as being able to help me retrieve these funds. I submitted all of the info as requested only for them to decide they couldnt help. Upon checking my XXXX account, I didnt see the transactions that were being shown on my account so I then had it reported as fraudulent. I then contacted Wells Fargo and the CFPB due to them allowing this to take place and had a case opened up with CFPB for a few months as Wells Fargo was supposedly awaiting word back from the merchant but needed to close the case with CFPB due to the timeframe. I was told that it appears the claim will go in my favor due to merchants lack of proof/evidence and correspondence. 

I get a letter from Wells Fargo and an email from XXXX that the case was closed. XXXX and behold, once the case is closedthe bank deducts the provisional credit back out of my account and closes the claim siding with the scammer who scammed me through XXXX. 

Wells Fargo is complicit and has allowed me to be scammed refusing to intervene and retrieve back my {$1000.00} for me although they have documented proof that they requested of me receiving counterfeit items that I never agreed to receive to the tune of {$1000.00}. This bank needs to be fined and held accountable as I am reading online that this is common practice for Wells Fargo. 

I am extremely disappointed and heartbroken as I work extremely hard for my money and my own bank that Ive been a member with for more than XXXX yrs has allowed this to happen to me and didnt intervene.

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 2025-08-01 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-08-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This letter serves as my formal notice of dispute concerning certain account listed on my credit report that I believe was accessed or reported without a permissible purpose as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b. Under the FCRA, a consumer reporting agency may furnish a consumer report only under specific, lawful purposes listed in 1681b ( a ). Any entity that accessed my credit file without my authorization or without a valid legal reason has done so in violation of this federal law.

Upon reviewing my credit reports, I found entries that I did not authorize, nor did I initiate any transaction that would justify such access. These unauthorized entries violate 1681b ( f ), which prohibits users from obtaining a consumer report without a permissible purpose. 

Legal Precedent : In the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. ), the court ruled in favor of the plaintiff, stating that a credit report pulled without a valid permissible purpose under FCRA constitutes a willful violation, which is actionable. 

Furthermore, multiple credit bureaus were defendants in recent lawsuits filed in XXXX for re-reporting or permitting access to consumer reports after the accounts were removed, which is also considered a willful disregard of consumer rights. 

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 2025-08-01 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: OH

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectify these issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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:
Dear XXXX XXXX XXXX, I hope this message finds you well. I am writing to kindly request a goodwill adjustment to my credit report regarding the above-referenced account, which now reflects a {$0.00} balance and has been closed. 

I want to first thank XXXX for the opportunity to finance my vehicle. While I did experience some financial hardship during the course of the loan that may have led to delinquencies, I ultimately fulfilled my obligation and paid the balance in full. Since then, Ive worked hard to improve my financial habits and rebuild my credit profile.

At this point in my journey, the accountalthough fully paidcontinues to negatively impact my credit score and is limiting my ability to move forward. I understand that your reporting was accurate, and I am not disputing that. I am simply requesting a goodwill gesture to remove the account from my credit report or at least the negative marks associated with it, so I can continue building a more stable financial future. 

XXXX has already played a significant role in helping me learn financial responsibility, and Im hopeful youll consider this request as a final act of support. I would be extremely grateful for your consideration.

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 2025-08-01 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: CA

Complaint narrative:
On XX/XX/XXXX I made and paid for a motel reservation on the XXXX app. Right after booking the room I drove to the motel ( 6 ). When I attempted to check in they demanded a deposit be provided on a major credit card ( no prepaid or debit cards ). I showed them that it clearly stated no deposit required right on the official app the desk clerk she had to call the owner. I agreed and was told to give her a few minutes to sort things out. When I returned she said the owner stated the website was wrong and he cancelled my reservation. I asked when my money would be returned and she said that the transaction wasnt processed and should be available immediately. I looked at my Cash App and the transaction was processed and had completed ( not pending ). I called customer service and they advised me the transaction had successfully gone through and there was nothing indicating a refund was in process. They said if the reservation was cancelled after XXXX that a refund would not be automatically triggered. The following day I called customer service again and they told me to contact the hotel. I called the hotel and they said talk to my bank. I called Cash App and they said call the hotel. I emailed customer service and they said the transaction wasnt processed and they have collected no money. Ive went around in circles with everyone and Im tired of the pushback. I notified Cash App on XX/XX/XXXX I believe and 20 days later I still do not have my money. The last time I spoke to Cash App they said it could take 45 days for them to reach a decision. Someone needs to return my {$67.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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:
This letter serves as my formal notice of dispute concerning certain account listed on my credit report that I believe was accessed or reported without a permissible purpose as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b. Under the FCRA, a consumer reporting agency may furnish a consumer report only under specific, lawful purposes listed in 1681b ( a ). Any entity that accessed my credit file without my authorization or without a valid legal reason has done so in violation of this federal law.

Upon reviewing my credit reports, I found entries that I did not authorize, nor did I initiate any transaction that would justify such access. These unauthorized entries violate 1681b ( f ), which prohibits users from obtaining a consumer report without a permissible purpose.

Legal Precedent : In the case of Sterling v. Mercantile Adjustment Bureau , LLC, 2010 WL 4941456 ( W.D.N.Y. ), the court ruled in favor of the plaintiff, stating that a credit report pulled without a valid permissible purpose under FCRA constitutes a willful violation, which is actionable.

Furthermore, multiple credit bureaus were defendants in recent lawsuits filed in 2023 for re-reporting or permitting access to consumer reports after the accounts were removed, which is also considered a willful disregard of consumer rights. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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 Delete the accounts below : XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX 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 explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX [ XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Consumer Financial Protection Bureau, I am writing to dispute inaccurate information currently listed on my credit report formally. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe to be inaccurate, incomplete, or unverifiable. 

I recently reviewed my credit reports from the major credit reporting agencies and discovered the following items that I believe to be incorrect : Disputed Account ( s ) : Creditor/Company Name : [ Insert Name ] Account Number : [ Insert Account Number, if known ] Reason for Dispute : [ Explain briefly e.g., " This account does not belong to me, '' " This account is reporting incorrect late payments, '' or " This was paid in full but still shows as unpaid. '' ] I have attached copies of relevant documentation supporting my claim, including a copy of my credit report with the inaccurate item highlighted, a government-issued ID, and any correspondence or statements that validate my dispute. 

I respectfully request that the CFPB investigate this matter and coordinate with the appropriate credit reporting agency and data furnisher to have the inaccurate information corrected or removed promptly. Please notify me of any updates or decisions related to this dispute. 

Thank you for your time and attention to this matter. I look forward to your prompt response. 

Sincerely, 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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Consumer Complaint Against Experian, Equifax, and TransUnion I, XXXX XXXX, am filing this complaint directly and personallynot through any third party. I am disputing the accuracy and completeness of the payment history reported on several open accounts associated with the Department of Education ( XXXX  ). 

Upon reviewing my credit reports, I identified multiple inaccurate late payment entries that fall under billing errors as defined in 15 U.S. Code 1666 ( b ). I do not recall being late on any of the accounts listed below and believe these entries are due to creditor reporting errors, which the credit bureaus have a legal duty to investigate and correct.

Alleged Billing Errors : The creditor has failed to fulfill their legal responsibilities under : 15 U.S. Code 1666 ( b ) ( 4 ) Failure to accurately reflect a payment made or credit issued by the obligor.

15 U.S. Code 1666 ( b ) ( 5 ) Computation or accounting error on a billing statement.

Additionally, I was not issued a billing statement at least 21 days prior to the alleged due dates. Therefore, no late payments should have been reported in the first place. 

Disputed Accounts : All of the following accounts are being reported with inaccurate late payment information : DEPT OF EDUCATION/XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPT OF EDUCATION/XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * DEPT OF EDUCATION/XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPT OF EDUCATION/XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-08-01 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:
This is to notify you that I have identified an account on my credit report that I did not open or authorize. I am convinced this is a fraudulent item, and I formally dispute its 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 2025-08-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I was sent a writ to appear in court back in XXXX by a third party company named XXXX XXXX. I didn't respond, due to the fact I didn't owe any one because I had no bills or debts at that time because I stayed with my mother. Some years later, XXXX XXXX put a hold a freeze on my bank account. I was then forced to appear in court. I appeared in court and at that time the judge dismissed the case on the grounds of insufficient evidence, it just wasn't enough evidence there to prove that I had ever an active DTE account. There had been an account active in my name but I personally didn't have it activated. Subsequently, the judge released my money back to me, she removed the hold from my account. Later in XXXX, XXXX XXXX begin garnishing me, not my employer but my income taxes and my lottery winnings every year since. The debt was only at {$1800.00}. XXXX XXXX has taken over {$4000.00} to date. I need some answers. I need my money returned to me because I never owed them anything in the first place. 
wed them anything in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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:
I have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719. I presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before i seek litgation for defamation of character ) XXXX XXXXXXXX XXXX balance {$0.00}, XXXX XXXX XXXX balance {$0.00}, XXXX XXXX  balance {$720.00}XXXX XXXX XXXX XXXX balance {$13000.00}, XXXX XXXX Balance {$400.00}, XXXX XXXX XXXX  balance {$1300.00}, XXXX XXXX XXXX XXXX {$620.00}, XXXX XXXX XXXX balance {$800.00}, XXXX XXXX XXXX balance {$430.00}, XXXX XXXX XXXX  balance {$450.00}, XXXX XXXX XXXX  balance {$470.00}XXXX XXXX XXXX XXXX balance {$430.00}, XXXX XXXX XXXX balance {$1300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719. I presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before i seek litgation for defamation of character ) XXXX XXXXXXXX XXXX balance {$0.00}, XXXX XXXX XXXX balance {$0.00}, XXXX XXXX  balance {$720.00}XXXX XXXX XXXX XXXX balance {$13000.00}, XXXX XXXX Balance {$400.00}, XXXX XXXX XXXX  balance {$1300.00}, XXXX XXXX XXXX XXXX {$620.00}, XXXX XXXX XXXX balance {$800.00}, XXXX XXXX XXXX balance {$430.00}, XXXX XXXX XXXX  balance {$450.00}, XXXX XXXX XXXX  balance {$470.00}XXXX XXXX XXXX XXXX balance {$430.00}, XXXX XXXX XXXX balance {$1300.00}

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 2025-08-01 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:
There is an erroneous and fraudulent account listed on my credit report that I never opened. This is a serious error and must be corrected without delay.

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 2025-08-01 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: GA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief