vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a formal complaint against Equifax for reporting unauthorized credit inquiries on my file, which were made without my knowledge or consent. I contacted the entities responsible, and none were able to provide a signed credit application or any evidence of authorization. 

The inquiries in question are : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX I submitted a formal dispute and requested manual verification with supporting documentation. However, Equifax relied on EOSCAR, an automated dispute system that fails to satisfy legal standards for verification, as confirmed by multiple federal court rulings and CFPB enforcement actions. 

Equifax 's continued reporting of these inquiries violates : 1681b No permissible purpose 1681i ( a ) ( 5 ) Failure to delete unverifiable data 1681g Failure to disclose inquiry details 1681s-2 Furnishing of unauthorized information 1681c-1 Protection against identity theft not honored

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: UT

Complaint narrative:
A check was sent within the grace period on XX/XX/XXXX. They claimed that XXXX was causing issues with XXXX and that it takes them XXXX weeks to process the payments via check. We sent copies of the check and the date it was issued. Several people tried to contact them who helped send the check. Sent a second check via certified mail and it finally got there, but they reported it as 30 days late causing significant financial damage and an over XXXX XXXX  drop in credit. They lied several times about the check process, forcing us to not know if issuing a check would result in another XXXX weeks, making the situation impossible to rectify. They are up to date until XXXX, but still reported the inaccurately in potential violation if 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 2025-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing this complaint regarding XXXX XXXX handling of my checking account ending in XXXX, which was unexpectedly closed and currently holds a significant amount of frozen funds that I can not access. 

For years, I have used this account solely for IRS refunds. This year, I unexpectedly owed taxes, and my CPA filed my return using the same Wells Fargo account, which did not have enough balance at the time. I was abroad ( in XXXX ) for medical reasons and could not physically go to a branch, but I transferred funds from another U.S. bank account to cover the IRS payment.

However, Wells Fargo froze and then decided to close my account without providing any means to repay the negative balance remotely. I immediately called customer service and explained that I am currently overseas and physically unable to visit a branch. The representative insisted there was no alternative method to pay, not even through wire or check.

Meanwhile, the funds I transferred into the account to cover the IRS debit were frozen and held without explanation, and Wells Fargo has refused to tell me whether the IRS payment will be processed or refunded. 

I am now stuck in a situation where : I want to repay the negative balance, but Wells Fargo will not allow me to do so from abroad; The funds I sent to cover the payment are frozen and may not be applied or returned ; I am at risk of IRS payment failure, which could lead to penalties and credit impact. 

I have also sent a formal complaint to XXXX XXXX Executive Office but have not received a meaningful resolution. I am asking CFPB to intervene and require Wells Fargo to : Provide a method for me to repay my balance remotely ; Clarify the status of the pending IRS payment ; Release or return the funds I sent to cover that payment ; Stop further negative credit reporting related to this case.

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 2025-04-16 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: CA

Complaint narrative:
I am extremely frustrated by the continued presence of false information on my TransUnion credit report. These are not minor clerical mistakesthey are serious reporting failures that are damaging my financial credibility and blocking access to opportunities. Despite previous disputes, these inaccuracies remain unresolved, which shows a blatant disregard for maintaining accurate consumer data. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fully accurate and verified. If TransUnion can not provide clear, irrefutable documentation to support the reported information, it must be removed without delay. Im not askingIm demanding full compliance with federal law. Continued inaction will be treated as willful negligence. 

The following dispute items are inaccurate and must be addressed immediately : Collection/Charge Off ( TransUnion ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-16 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: NV

Complaint narrative:
Several accounts shows that the account was charged off. However, I have never received 1099-c. A balance is being reported even though so I am requesting a copy of the 1099-c

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: NV

Complaint narrative:
Several accounts shows that the account was charged off. However, I have never received 1099-c. A balance is being reported even though so I am requesting a copy of the 1099-c

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 2025-04-16 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
On XX/XX/year>, my mobile number was fraudulently transferred out of my XXXX XXXX XXXX  account without my authorization. Following this unauthorized transfer, multiple unauthorized withdrawals occurred from my savings account, totaling {$5600.00}, with funds being transferred to an account opened at SoFi in my name. These withdrawals occurred between XX/XX/year>, and XX/XX/year>. Despite contacting SoFi, I only received a case number, and no further information was provided. 

I immediately took the following actions : Filed complaints with the FCC regarding the unauthorized mobile number transfer ( slamming ) and potential fraud. 

Reported the incident to the Texas Attorney General through the Consumer Protection Division.

Filed a police report with local law enforcement for identity theft and financial fraud. 

Contacted the Consumer Financial Protection Bureau ( CFPB ) about the financial impact and fraud. 

Despite these efforts, I have not received a satisfactory resolution from XXXX XXXX XXXX, my savings account bank, or SoFi. All companies have failed to provide full details about the unauthorized transfer, the account opening at SoFi, or the steps they are taking to investigate the breach. SoFi has only provided a case number but no further updates or information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX ACCOUNT NUMBER XXXX XXXX. XXXX XXXX XXXX NUMBER XXXX XXXX. XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX. XXXX  /ACCOUNT NUMBER XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: PA

Complaint narrative:
I am writing you this statement for you to delete the following information provided on my report. The items I need deleted are listed in the report. I am a victim of identity theft and I demand that you remove these errors to correct my credit report immediately! I have reported this to the federal trade commission and I have also attached the federal trade commission affidavit. Now that I have given the following information about my report, please correct these errors or I shall proceed with involving my attorney!

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 2025-04-16 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: Early Warning Services, LLC
State: FL

Complaint narrative:
Name : XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type Drivers License ID Number : XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report, I have NEVER opened or used the following account numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 don't recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my Early Warnings Consumer report immediately! I've attached a copy of the report to this request. 

Thank you for your assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Ive been experiencing difficulty obtaining credit cards from Navy Federal, even though I have been a customer for two years with a secured credit card. My collections have been removed, but I continue to be denied for several revolving credit cards. Additionally, my secured card was supposed to convert to an unsecured card within six months, but this has not happened.

Ive learned that Navy Federal uses an internal score rather than traditional credit scores like XXXX  to make decisions. However, this internal score can not be raised or improved in any way on my end, making it difficult for me to move forward with obtaining credit. I believe my situation is being unfairly impacted by this internal scoring system, and I would like to seek clarification or reconsideration on my credit card applications.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: WI

Complaint narrative:
Use in cfbp including certificate mail. trying to update make changes on my credit report l have constantly been denied for housing credit.from different companie. Due to items found doesn't belong XXXXMy credit scores has drop horrible .this is XXXX letter that been sent from Equifax request items delay ch after submitting these documents again driver license social security card. Leases for housing attached XXXX XXXX billl hope will be changed due to pass l have submitted these documents already

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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:
I was just looking at my credit report and found some errors relating to my payment history on some accounts, and unauthorized inquiries. I have outlined the following incorrect account information : Account Name : XXXX  Account Number : XXXX Reason : Incorrect late payment Account Name : XXXXXXXX XXXX Account Number : XXXX Creditor Name : XXXX XXXX XXXX XXXX XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXXXXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: FL

Complaint narrative:
I was just looking at my credit report and found some errors relating to my payment history on some accounts, and unauthorized inquiries. I have outlined the following incorrect account information : Account Name : XXXX  Account Number : XXXX Reason : Incorrect late payment Account Name : XXXXXXXX XXXX Account Number : XXXX Creditor Name : XXXX XXXX XXXX XXXX XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXXXXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I had a dispute for XX/XX/XXXX to wear the rental car try to charge me some money I canceled the charge and then I said all right. Thats it later on they try to charge me more money. I disputed that charge at a later date. This is XX/XX/XXXX probably mid XXXX. They did not block the vendor from attempting to take money out of my account and they are allowed to take {$620.00} for me. This was for my credit builder account through Chime, which is a secured card so I dont know how its negative so now after XXXX years history with Chime They wont remove the XXXX even though they admitted that they shouldve blocked the vendor after the dispute was filed. Theyve made a fault. They said they were gon na talk to the employee who did this so now XXXX at the mercy of the dispute department, which can be no answers refuse even though I just spent {$1600.00} building my credit they will not allow me to use my credit builder which is- {$76.00} now because the unauthorized account they will not give me a provisional credit because the money I moved from my debit account to my credit account to use because its secured Affecting my credit every day I And theyre getting ready to report me delinquent because of their mistake. They have all the proof Ive already sent demand letters they refuse to budge on this they violate the fair credit act of 2010 and in the XXXX account account act

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

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

Company response to consumer: Closed with non-monetary relief