vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
My complaint is against Wells Fargo. XX/XX/year>, I wired {$10000.00} from Wells fargo to a XXXX  account. I was informed by my partner that money did not come into our XXXX account we own. 
XX/XX/year> I called Wells to recall the wire- XX/XX/year> i called again asked them to return the wire XXXX I called XXXX again asking them to reject and return my money and they said they would look into it XX/XX/year> I called again XX/XX/year> I called again I also went into the local branch of wells and told them that this is not resolved. 
I was told by wells bankers XXXX is not talking to them I was told by an escalated manager of wells that i have to call chase and ask them to reject the wire. Why and i doing that if these banks speak to eahc other each day. 
XXXX told me the money went into this account XXXX XXXX XXXXXXXX routing XXXX. 
XXXX has a complaint number for me XXXX XXXXXXXX I got my personal banker involved and they told me Wells Fargo close my complaint on XX/XX/year> - how could they close the complaint if the money was not returned. No one is helping me get my {$10000.00} back from a missed place wire. 

I got a letter from wells on XX/XX/year> they received a verbal complaint from my personal banker telling me they will look into the complaint in the next 60 days they will get back to me. 
I am extremely disappointed that it is taking this long to recall a XXXX wire. please help me. i dont know where else to turn to

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 monetary relief
Consumer complaint received 2025-06-18 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: FL

Complaint narrative:
Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against EQUIFAX regarding inaccuracies in my personal information as reported in my credit report.

Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed on my credit report. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX .., while my credit report shows an outdated address. I request that my current address be updated accordingly.

3. Incorrect Employers :. My correct Employer is : XXXXXXXX XXXX XXXX Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: GA

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 explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Complaint Against : Experian and XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, am submitting this complaint due to repeated violations of the Fair Credit Reporting Act ( FCRA ) by both Experian and XXXX XXXX XXXX XXXX XXXX ). I am also reporting inaccuracies and unfair practices that have caused long-term harm to my credit report. 

Background : The debt in question originated with XXXX XXXX  and was passed to XXXX XXXX XXXX, who reported it to Experian. The account was opened on XX/XX/XXXX, and lists a balance of {$2900.00}. However, the original debt collector transmitted an incorrect and inflated amount to XXXX, which was then falsely reported to Experian. 

For several years, I have submitted disputes to both XXXX and Experian regarding these inaccuracies. XXXX continued to report the wrong amount until I contacted the original property manager, who acknowledged the incorrect reporting and agreed to reduce the balance. Despite this, XXXX failed to correct the reporting with Experian. 

FCRA Violations & Inaccuracies : The account contains multiple " Invalid date '' entries under the payment history on my Experian report, violating FCRA 1681e ( b ), which requires credit bureaus to maintain accurate and complete information. 

Experian has repeatedly mishandled disputes regarding this account. Despite previous investigations and my submission of documentation, Experian concluded with vague or contradictory results and refused to correct or remove the account. 

The Date of First Delinquency ( DOFD ) appears to be misreported or omitted. Based on standard reporting guidelines and the account history, the 7-year reporting period under FCRA 1681c ( a ) ( 4 ) should expire this year ( XXXX ). The account is scheduled to remain until XX/XX/XXXX, but that exceeds the allowed time frame based on the actual delinquency timeline. 

Credit bureaus routinely remove such accounts 6 months early to remain compliant with federal law and avoid consumer harm. Despite this, Experian refuses to remove the account. 

Experian initially confirmed it would remove the account, then backtracked, further violating FCRA standards and causing ongoing harm. 

Current Status on Report ( Experian ) : Account Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX Date Opened : XX/XX/XXXX Status : Collection On Record Until : XX/XX/XXXX Payment History : Collection status shown monthly from XXXX with multiple " Invalid date '' entries

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens Mo 281 SW 715 719 I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
To Whom It May Concern, This letter is a formal dispute of XXXX hard inquiries listed on my Experian credit report, generated on XX/XX/XXXX. I did not authorize or initiate the following credit inquiries and demand an immediate investigation and permanent deletion from my report, in accordance with federal law : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ) Section 604 [ 15 U.S. Code 1681b ], a consumer reporting agency may only furnish a credit report under specific circumstances, one of which includes the consumers written instruction. I have no record of providing such authorization to any of the above-listed entities.

Furthermore, under the Fair and Accurate Credit Transactions Act ( FACTA ), any unverifiable or inaccurate information must be removed within 30 days of receiving a formal dispute. If you can not provide documented proof that I gave permissible purpose in writing for each inquiry, these entries must be deleted.

As required by 15 U.S. Code 1681i, you must conduct a reasonable investigation and respond within 30 calendar days. If these inquiries remain without proper verification, I will file a complaint with the Consumer Financial Protection Bureau ( CFPB ), my state Attorney General, and consider legal action for noncompliance. 

Please send written confirmation of the outcome of your investigation to the address listed above. 

Sincerely, 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 2025-06-18 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: SC

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: LA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
I paid down my LOC in XXXX. They put my payment into a holding account and continued to charge me interest. I called and they said oh sorry we have to return your money to you. So, I paid them again so that it would stop accruing interest and again, XXXX they put the payment into a suspense account and continued to charge me interest. ( yes they finally returned my first payment. 

When they finally applied my payments I had a credit, an overpayment, of {$19.00}. This they refused to return to me even though I paid the paydown according to their instructions and by the day they said. They overestimated the amount of interest due. So, now I have a credit of {$19.00}. But since then, they have charged me {$16.00} interest twice on a XXXX balance. I just got notification that they took the {$16.00} from my credit balance of {$19.00} leaving a credit balance of {$2.00}. And that i will still owe another {$16.00}, for what????? My overpayment? 

This is stealing. They misapplied my funds, refused to take my payment and misapplied my first and second payment which is why the account has accrued more interest in their ERROR. They have admitted that it was their computer system and that my account was messed up, yet they continue to steal my money and charge me interest on NO BALANCE. Please help me get my money back and make them fix this. They keep saying they will fix it and they can see their error but still no fix and still they take my money when I owe them nothing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: GA

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 2025-06-18 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: TX

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3400.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX  XXXX -- -- Date opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: MS

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX  XXXX  debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XXXXXX/XX/XXXX DEPT OF ED / XXXX, Account number XXXX, date opened XX/XX/XXXX DEPT OF ED / XXXX, Account number XXXX, date opened XX/XX/XXXX DEPT OF ED / XXXX, Account number XXXX, date opened XX/XX/XXXX DEPT OF ED/ XXXX, ACCOUNT NUMBER XXXX, DEPT OF ED / XXXX, Account number XXXX, DEPT OF ED / XXXX XXXX, DEPT OF ED / XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital Systems , LLC, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX placed an fraudulent debt account on my credit file, for Business Type : XXXX Balance : {$59.00} THIS IS AN IDENTITY THEFT DEBT DUE TO DATA BREACH WITH XXXXXXXX XXXX XXXX XXXX  THEY WERE NOTIFIED. I HAVE SENT MY POLICE REPORT, FTC IDENTITY THEFT REPORT AND NOW I AM FILING COMPLAINT DUE TO REMOVING AND BLOCKING.

15 U.S.C. 1692 : establishes the congressional findings and purpose behind the FDCPA, which is to eliminate abusive debt collection practices.

1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information.

The main U.S. Code section for identity theft is 18 U.S.C. 1028, specifically titled " Fraud and related activity in connection with identification documents, authentication features, and information ''. This section defines various offenses related to misusing someone else 's identifying information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: TN

Complaint narrative:
TRANSUNION HAS NOT REMOVED FRAUDULENT INQUIRIES ON MY CREDIT REPORT AFTER I INFORMED THEM ABOUT MY IDENTITY THEFT. UNDER 15 USC 1681C-2

Company response to consumer: Closed with non-monetary relief