vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was helping my client this morning at the Wells Fargo bank at XXXX XXXX XXXX XXXX in the bank manager was asking staff whose account should I take money from to buy lunch today? When I mentioned something about it the manager told me to shut up and mind my own business.

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 2025-07-24 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of 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 non-monetary relief
Consumer complaint received 2025-07-24 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:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( XXXXXXXX XXXX XXXXXXXXXXXX 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 2025-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I was locked out of my cash app account and was told to create and verify my Identity I did that and I still can't get my money from my old account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: FL

Complaint narrative:
To Whom It May Concern, This letter serves as a formal affidavit and demand for the immediate expungement of fraudulent accounts and inaccurate information reported to my credit file. As a highly informed consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Your failure to act in compliance with federal law constitutes negligence, and I am prepared to take further legal action if necessary.

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 2025-07-24 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: FL

Complaint narrative:
To Whom It May Concern, This letter serves as a formal affidavit and demand for the immediate expungement of fraudulent accounts and inaccurate information reported to my credit file. As a highly informed consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Your failure to act in compliance with federal law constitutes negligence, and I am prepared to take further legal action if necessary.

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 2025-07-24 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: FL

Complaint narrative:
I submitted a formal dispute to the credit bureau, along with all documentation required under federal lawincluding a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Bseeking the prompt removal of fraudulent information from my credit report. Despite full compliance with these statutory requirements, the bureau failed to block the disputed information within the four-business-day period mandated by law. I respectfully request that the CFPB investigate this clear violation of the Fair Credit Reporting Act and take appropriate enforcement action to ensure the permanent deletion of the fraudulent data. Enclosed are copies of my dispute letter and all supporting documentation for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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 have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. 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 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 2025-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Upstart Holdings, Inc.
State: WA

Complaint narrative:
The company upstart alleged existence of promissory note that the plaintiff was unaware of. 

The plaintiff did not consent to the loan nor was he aware of the promissory note - there is a lack of mutual understanding and meeting of minds making the agreement unenforceable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Thanks to your bureau, the XXXX XXXX fraud dept FINALLY acknowledged that the charges made in XXXX of this year were fraudulent due to my credit card being stolen. Some of the interest and late fees associated with these fraudulent purchases were subtracted but not all of them even though the letter I received from XXXX states that ALL fees and interest charges will be removed. For some reason, now there is a balance showing of {$110.00} showing as yet due. Today, XX/XX/year>, I have just spoken with the XXXX  Fraud dept AGAIN and insisted these fees and charges need to be brought to XXXX.The rep told me that he is filing a new case ( CASE # XXXX ) and it would once again take XXXX business days to correct the balance to XXXX. Anyone can see that no additional purchases have been made by me since the fraudulent charges occurred. Therefore, they need to simply credit the account back. I have attached both letters received from XXXX to this complaint. I would truly appreciate your assistance with this matter once again. The last time XXXX took over 100 days to look into my dispute. It is very frustrating to have XXXX 's credit card stolen and then have to deal with all of this. Especially also my XXXX XXXX was lowered due to non payment on these fraudulent charges! Again, thank you so much for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: Byrider Franchising, LLC
State: IL

Complaint narrative:
Under the FDCPA, debt collectors are required to provide validation of the debt within five days of their initial communication, as outlined in 15 U.S.C. 1692g. This section mandates that within five days, the collector must send a written notice providing details about the debt, including the amount owed, the name of the creditor, and a statement of the consumer 's rights to dispute the debt.

I have not received sufficient validation or verification of this debt, nor do I believe the reported repossession accurately reflects my account status. Furthermore, I am exercising my rights under 15 U.S.C. 1692g to request a complete validation of this debt.

Request for Action : Please investigate this matter and provide me with the validation documentation as required by law. If you are unable to provide proper validation or if the debt is found to be invalid or inaccurately reported, I request that the repossession be removed from my credit report immediately.

Legal Reference : This dispute is made under the protections afforded by the FDCPA, specifically 15 U.S.C. 1692g, which grants consumers the right to dispute debt validation and to request verification of the debt.

Please acknowledge receipt of this dispute and inform me of the results of your investigation. I expect this matter to be resolved promptly, and I request that any inaccurate or unverifiable repossession entries be corrected or removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AA Recovery Solutions, Inc.
State: HI

Complaint narrative:
Received a phone call on XX/XX/year> at XXXX XXXX  standard time from XXXX XXXX XXXX XXXX phone number is XXXX. I called back thinking it was a business call. Representative started sharing sensitive information right away and without warning. I tried to stop him and let him know that he must be looking for someone else because this is my work phone but he continued and got irate and said why would I call back for a debt that's not mine even though he didn't leave a voicemail explaining the reason of his call. I called back and again he started reading of the old recipient of the phone numbers, social security number and date of birth. Again I tried to explain the situation but he just accused me of being a guy named XXXX and said that I'm lying and just trying to dodge the debt. Not only did he call before XXXXXXXX XXXX but he was trying to bully me. Its collection agencies like these that are putting American citizens information at risk. The only reason I am making this complaint is because XXXX acted so belligerent with that information that he could seriously put someone's identity at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: MI

Complaint narrative:
Subject : Fraudulent Accounts and Inquiries on My Credit Report Due to Identity Theft No Resolution from Credit Bureaus Description : I am a victim of identity theft. My personal information was compromised due to multiple data breaches involving my email address ( XXXX ), which is documented by public breach databases like Have I Been Pwned. Ive attached a screenshot of this as evidence. 

As a result, fraudulent accounts and/or inquiries have been added to my credit reports with Equifax, Experian, and TransUnion. I did not authorize or open these accounts, and they are harming my credit. 

I followed all proper steps : I filed a formal FTC Identity Theft Report I submitted written disputes by certified mail to each credit bureau I included a copy of my ID, proof of address, and supporting documentation Under FCRA 605B, the credit bureaus are required to block and remove items resulting from identity theft within 30 days. I have not received proper resolution or confirmation that these items were removed. Some bureaus have delayed, ignored, or given generic responses without addressing the fraudulent nature of these accounts. 

I am requesting the CFPB ensure : All fraudulent items be immediately removed or blocked Bureaus comply with the law and provide me with updated credit reports That I am not held liable for any fraudulent activity tied to these accounts I am prepared to pursue legal action if these items remain unresolved. Im requesting swift CFPB intervention to help enforce my rights under the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: AK

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-24 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: AK

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
This company has a fake website platform that prevents users from actually registering from an account to access their consumer reports. These are their instructions for set up, it's unbelievable : " To communicate electronically with us, via the Secure Transfer Portal, go to XXXX XXXX XXXX. When prompted for the Early Warning email address, enter XXXX. Follow the instructions on the screen to create your User ID and password, and to upload the documents to be transmitted to Early Warning. '' Why on earth would we create an account using THEIR email address as the login? It doesn't work at all. It's totally bogus. Then they tell you to fax the request form, and I faxed it at least 3 times to their XXXX fax number and they claim they never got it. I emailed the form too. I filed a XXXX  case about it. And still to this day I have no copy of my consumer disclosure. 

How can you report negative information about a consumer, without showing them what the information says. You could be reporting all kinds of false information, how would any consumer be able to check and monitor. This is unbelievable they can operate like this. I am requesting for the consumer protection agency to step in and investigate their highly unusual practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: CO

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-24 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief