vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-07 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 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 XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: CO

Complaint narrative:
I had a XXXX XXXX XXXX XXXX  that was a XXXX XXXX  santander is has gotten about {$39000.00} for the car insurance paid {$21000.00} i had paid about {$15000.00} they recived another {$1500.00} for something they are trying to charge me another {$9000.00} in interst car has b33n paid for amd they are not working with me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: FL

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: FL

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

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 2025-08-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am filing a formal complaint against Wells Fargo regarding approximately {$17000.00} unlawfully withheld from my closed checking ( XXXX ) and savings ( XXXX ) accounts. 

Key Facts : Account Closure : Wells Fargo closed my accounts in XX/XX/year> due to my non-U.S. residency ( I live in XXXX ). 

At closure, the combined balance was ~ {$17000.00}. 

XXXX XXXX XXXX to Resolve : On XXXX I visited a XXXX branchaccounts were " unlocatable. '' Case # XXXX : Their Unclaimed Property team stated they " can not provide further information '' ( email attached ). 

Urgent Risk : Funds may escheat to the state in XXXX ( 35 years post-closure ). 

Wells Fargo refuses to transfer funds to my active account : Bank : XXXX XXXX XXXX Bank Account : XXXX ACH Routing : XXXX | Wire Routing : XXXX Violations : Failure to release funds per Regulation E ( 12 CFR 1005 ). 

Deficient escheatment compliance ( 31 U.S.C. 3711 ). 

Unfair practices by denying account access despite valid proof ( ECN # XXXX ). 

Demand : XXXX transfer of {$17000.00} + accrued interest to my designated account. 

Compensation for expenses incurred due to this negligence.

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 2025-08-07 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: TX

Complaint narrative:
I am not the owner of these accounts, which may have been opened fraudulently. Please investigate thoroughly and remove them from my credit report. Supporting documents are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
On XX/XX/year>, I initiated an ACH transfer of {$5000.00} from my XXXX Money account to my XXXX XXXX XXXXccount. Due to a data entry error, I mistakenly reversed the last XXXX digits of the account number, entering XXXX instead of the correct XXXX. 

Despite this mismatch in account number and account holder name, the transfer was processed and posted by XXXX XXXX to the incorrect account. 

I contacted both SoFi and XXXX XXXX immediately after noticing the error. XXXX confirmed that they would issue a Hold Harmless Letter ( HHL ) to XXXX XXXX to recover the funds. After multiple follow-ups, SoFi has now confirmed that the letter was indeed sent to XXXX XXXX. 

However, XXXX XXXX has denied the request, stating : No funds remain from the transaction identified in the XXXX. 

This implies that XXXX XXXX released the {$5000.00} to the incorrect account holder despite having received no verification of recipient identity, and now refuses to return the funds or offer recourse. 

Worse still, XXXX now caught in a cycle where both banks point the finger at each other. SoFi says theyve done their part. XXXX XXXX refuses recovery, and I, the customer, am left without the money or accountability from either institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
b'Aldous & Associates P.L.L.C. XXXX XXXX XXXX XXXX XXXX XXXX XXXXn\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXm writing to formally request a resolution regarding an outstanding balance on my gym membership, which was sent to collections in the amount of XXXX. I want to clarify that this situation resulted from a serious medical injury, which made it physically impossible for me to continue using your facilities or fulfill the terms of my membership.\n \nSpecifically, I sustained a back and knee injury in XXXX XXXX, and have attached supporting medical documentation that confirms my condition and treatment timeline.  According to the XXXX  Policy, injuries that leave a customer not able to physically use equipment and have a doctors medical note proves the information.\n \nAt the time, I was under the impression that my inability to attend would qualify for a medical cancellation or freeze under membership policy after submitting my documents. Unfortunately, I XXXX and Aldous and Associates do not honor their policy. Furthermore, I physically went to the facilities numerous times with documents, doctors notes and emailed the local and corporate office multiple times to end my membership due to my medical condition.\n \nMy Request:\n- That you review this case under medical hardship.\n- That any balance owed be waived in full.\n- That the account be recalled from collections.\n- That this matter be resolved without impact to my credit, or removed from my credit reports if already reported.\n \nI hope that XXXX XXXX Alsous and Associates  will demonstrate compassion and flexibility in this situation. I am eager to resolve this matter respectfully and am happy to provide any further documentation.\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 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 XXXX Address : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I applied for a citibank aadvantage credit card on XXXX and activated it on XXXX. I neglected to add my XXXX XXXX frequent flyer number to my application so the card was not linked to my aadvantage number XXXX. I contacted citibank on XXXX and they provided the aadvantage number that is linked to my credit card, XXXX. I was then told by citibank to contact XXXX  to get the linked aadvantage number merged with mine. Upon speaking with XXXX  on XXXX, it was determined that the linked aadvantage number is someone that shares my first and last name and state of residence, but not my dob, address, email address, or social security number. Clearly this is another person with an XXXX account, so I requested the linked aadvantage number be removed and replaced with my aadvantage number. I spent XXXX XXXX  going back and forth between citibank and XXXX, and neither are willing to fix this issue. I was asked repeatedly if provided the other person 's aadvantage number, which i did not and was only provided the number when i requested it from citibank during the card activation. I called again on XXXX and was bounced between the XXXX yet again for XXXX XXXX. There is no fraudulent behavior. Between my application approval and the card being generated, the card was linked in error by either citibank or XXXX. I am scared to use the card as the miles won't be applied to the correct account. I have also locked the card because the XXXX  account website typically adds a distinction to credit card holders under their name. Who's to say the other person won't attempt to get my card information? This is why there is urgency in getting this corrected.

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 2025-08-07 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: CCS Financial Services, Inc.
State: KY

Complaint narrative:
To the CFPB, I am reaching out to formally request a review and removal of multiple derogatory marks, late payments, and hard inquiries currently listed on my credit report. I have been working diligently to take control of my financial future, and I respectfully request your assistance in enforcing the rights granted to me under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX and its related provisions. 

What Happened : Over the past few years, I faced a series of personal and financial hardships that impacted my ability to stay current on some accounts. These events were not due to irresponsibility or unwillingness to pay, but rather a period of instability that I have since worked to overcome. Despite these challenges, I am now in a much better position and committed to rebuilding my credit with integrity and persistence. 

Legal Basis for My Request : Under 15 U.S.C. XXXX, I am exercising my right to block and request deletion of information from my credit report that is : Inaccurate or unverifiable ; The result of identity theft or misrepresentation ; No longer legally reportable due to age or status ; Causing continued harm despite being resolved. 

In addition, several hard inquiries on my report were made without my full authorization or were duplicated across multiple agencies. These inquiries violate FCRA XXXX ( a ), which limits access to credit files to entities with a permissible purpose. 

My Request : I respectfully ask the CFPB to help ensure that : Any late payments or derogatory accounts that are inaccurate, outdated, unverifiable, or no longer legally reportable are removed from my credit report ; All unauthorized or excessive hard inquiries are blocked or deleted ; The Credit Reporting Agencies ( CRAs ) are held accountable for verifying the accuracy, completeness, and permissible use of any and all data being reported ; My credit file reflects accurate and fair information, in accordance with federal law. This is a deformation of my character. 

I appreciate the opportunity to make this claim and provide documentation if needed. My goal is to resolve these issues lawfully and move forward with a clean and truthful record.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
In early 2024, I was approached by a modeling studio and persuaded to sign an agreement I did not fully understand. The representatives claimed I would receive professional photos, exposure to modeling agencies, magazine features, and be promoted as a rising model. I paid for a package based on those promises. 

I received the photos, but I never received any of the promotional or modeling opportunities that were promised. I later discovered that my debit card was being charged repeatedly, and when I tried to cancel, I was told I had agreed to indefinite payments. I was never clearly informed that this was a long-term or recurring contract. 

Despite my objections, the company referred the balance to Monterey Financial and now its been sent to collections, damaging my credit. I believe I was misled with false promises and pressured into signing under unclear terms. This situation feels deceptive and predatory. I am requesting that the account be removed from collections and from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: NY

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections XXXXB XXXX and XXXX XXXX, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within XXXX business days. 

These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent 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 2025-08-07 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: TX

Complaint narrative:
These accounts are not mine and appear to have been created fraudulently. I request their immediate removal and a detailed investigation. Relevant evidence has been attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: NY

Complaint narrative:
I request your help to look into accounts from these companies that are inaccurately reporting late payments. After examining my credit report, I noticed some accounts wrongly show late payments. There should be no late payment remarks on these accounts. Please remove those remarks and update the accounts as agreed to positive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 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 XXXX 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