vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 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: AL

Complaint narrative:
I sent XXXX XXXX XXXX a debt validation letter on XX/XX/year>, which was delivered and signed for on XX/XX/year>. I requested verification and validation of an alleged debt under FDCPA 809 ( b ). XXXX XXXX XXXX did not provide any validation or documentation within the required 30-day period.

Despite this, XXXX XXXX XXXX verified the account with Experian during my credit dispute, and Experian marked the account as updated and chose to keep it on my report on XX/XX/year>. This means Experian is reporting an account that has not been properly validated, which violates both the FDCPA and the Fair Credit Reporting Act ( FCRA 611 ( a ) ) requirements for accurate and verifiable information.

I am requesting that the XXXX XXXX XXXX collection account ( Account # XXXX ) be deleted from my Experian report and that XXXX XXXX XXXX cease further collection or reporting activity until proper validation is provided.

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 2025-11-04 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: VA

Complaint narrative:
This is not a mistake my credit report contains inaccuracies that are not assured to be maximally accurate. These errors are severely impacting me in ways that are unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries are fraudulent please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: LA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX  XXXX Bankruptcy # XXXX - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/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 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XX/XX/XXXX, I was the victim of an online scam involving fraudulent mobile check deposits and XXXX XXXX transactions. I was manipulated by an individual posing as XXXX ( phone # XXXX ), who convinced me to deposit fake checks into my Wells Fargo account and send him portions of the funds via XXXX XXXX for supposed fees and wire verification. 

Once I realized the checks were fraudulent, I immediately reported the incident to Wells Fargo and cooperated fully with their investigator, XXXX XXXX from the External Fraud Investigations department. I provided every piece of evidence she requested including screenshots of messages, images of the fraudulent checks, and proof of all XXXX XXXX transactions. 

Despite my full cooperation, I received no clear resolution or follow-up. I emailed and called Wells Fargo and XXXX XXXX multiple times throughout XX/XX/XXXX, including follow-ups on XX/XX/XXXX and XX/XX/XXXX, yet never received a formal outcome. Each time I called the bank, I was either dismissed, transferred, or told that no one could assist me. 

When I called again in XX/XX/XXXX, the representative I spoke with was extremely rude and unprofessional. She told me directly, theres nothing we can do for you we just dont want to have a banking relationship with you, instead of offering any support or acknowledgment that I was the victim of a scam.

At the time this happened, I was freshly XXXX and didnt fully understand what to do or who to turn to. I relied on my XXXX XXXX card in the meantime because I was unable to open new bank accounts anywhere else. My parents and I have tried several times since then to open an account at different banks, but I keep getting flagged, most likely because of the situation with Wells Fargo. Now, at XXXX XXXX XXXX, Im trying to get my life and finances together, but Ive been unable to have a real debit card for almost two years. Its completely unfair that Im being punished for something that was out of my control and that I reported immediately in good faith. 

I am asking the CFPB to review Wells Fargos handling of this matter specifically their lack of communication, unprofessional treatment, and refusal to resolve or remove the negative impact of this fraud. I have full documentation of my messages, emails, and call records to support my case.

I have additional documentation but I only can upload one. Ill be more than happy to provide the rest of the documentation.

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 2025-11-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I received an email threatening me with jail.

Hw said he is going to contact my job and bank because I committed wire fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$2100.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$5000.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$9900.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$1400.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$5500.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$3100.00} - Date Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: TN

Complaint narrative:
The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name isXXXX XXXXXXXX XXXX Current Address : My correct current address is : XXXX XXXX XXXX XXXX, Tennessee XXXX Previous Address : The following previous addresses are wrong : Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, TN, XXXX - The following personal information is incorrect - Please delete this from my credit report.Incorrect Address - XXXX XXXX XXXX, XXXX, TN, XXXX - The following personal information is incorrect - Please delete this from my credit report.EMPLOYER - XXXXXXXX XXXX XXXX- The following personal information is incorrect - Please delete this from my credit report.EMPLOYER - XXXX XXXXXXXX XXXX - The following personal information is incorrect - Please delete this from my credit report.

Please update my credit file to reflect the proper spelling and data as I have indicated above. Please also remove the old inaccurate addresses. I do not want to be mistaken for someone else because of these errors that you are reporting Thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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:
I am submitting this formal complaint against TransUnion for reporting multiple inaccurate and unverified items on my credit file, as well as allowing unauthorized inquiries to appear without my consent. These reporting errors are damaging my creditworthiness, misrepresenting my identity, and violating my rights under the Fair Credit Reporting Act ( FCRA ). 
Below is a detailed list of the errors and issues on my credit report : Incorrect Personal Information : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Wrong Address I have never lived at or been associated with these addresses. They are completely inaccurate and must be removed immediately from my credit profile. Having incorrect addresses linked to my file suggests possible mixed credit files or identity confusion.

Inaccurate Account Information : XXXX XXXX  ( Acct : XXXX XXXX XXXX ) XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$0.00} Reported as Late Payment This account shows late payments despite having a {$0.00} balance and no delinquency record. This is clearly a reporting error and must be corrected immediately to reflect an accurate payment history. 
Requested Resolution I am requesting the following actions : 1. Remove the two incorrect addresses from my TransUnion credit file.

2. Conduct a full reinvestigation of the XXXX XXXX  and XXXX XXXX accounts and correct the payment history to accurately reflect my on-time payments.

3. Delete all unauthorized inquiries that can not be verified with written proof of my authorization.

4. Provide me with a written confirmation of the results of your investigation and a copy of my corrected credit report.

Legal Basis These errors are clear violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), specifically : Section 607 ( b ) : Duty to assure maximum possible accuracy.

Section 611 ( a ) : Duty to investigate disputes.

Section 604 ( a ) : Permissible purpose for furnishing credit reports.

TransUnions failure to maintain accurate records, remove unverifiable data, and prevent unauthorized inquiries has resulted in significant emotional distress, financial harm, and credit damage.

Relief Requested I respectfully request that the CFPB conduct an investigation into TransUnions handling of my credit data, enforce compliance with federal reporting standards, and ensure that my file is corrected immediately.

Attachments Included : Copy of government-issued ID Proof of current address Copy of TransUnion credit report highlighting the disputed items

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 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
I attempted to make a withdrawal at the XXXX M & T of {$19000.00} on XX/XX/XXXX I was told after more questions than necessary they need a week to get that amount of money together. I agreed. I was then called on Wednesday XX/XX/XXXX and asked more questions, that I answered. I called the XXXX branch on XX/XX/XXXX and was told the branch manger was not in and the other manager didnt know about it. I went to a XXXX CT branch the next day and attempted to withdraw {$5000.00} i was told I couldn't that it was too much money. I then asked the withdrawal {$2000.00} and again was told no. There was now a hold on my account from the XXXX branch. After contacting that manager i was told there was no hold. A regional manager then contacted me friday afternoon amd said he would take care of the situation and call me in Tuesday XXXX he called today and told me the bank dose not feel comfortable giving me my own money.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to express my ongoing concern regarding the unresolved disputed accounts appearing on my credit report. Despite submitting multiple requests and highlighting the inaccuracies in these accounts, no resolution or corrective action has been taken to date. These inaccurate entries are severely impacting my credit standing and creating significant challenges in my daily life. The continued presence of these errors has caused undue hardship, and I am now urging your immediate assistance in resolving this matter. I respectfully request a full and thorough investigation into each disputed account, and that appropriate steps be taken to correct and update my credit report without further delay.

Accurate reporting is essential to restoring my financial stability, and I sincerely hope you will treat this issue as a priority. Your prompt attention and cooperation in resolving these discrepancies would be greatly appreciated. Thank you for your time and support.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$0.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
These are inaccurate items. They show as late payments.

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 2025-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: CA

Complaint narrative:
LoanCare failed to properly manage my escrow insurance payment, resulting in wrongful cancellation of my homeowners insurance policy with XXXX. My escrow account paid the premium, but the insurer cancelled the policy despite payment being made, then reinstated and cancelled again.

This created a lapse in insurance status that jeopardizes my home and mortgage. I am requesting investigation and correction of escrow insurance servicing conduct, confirmation of disbursement activity, and coordination with the insurance carrier to ensure continuous coverage is reflected.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This complaint supplements prior CFPB Case No. XXXX and serves as a formal Notice of Intent to Sue Experian Information Solutions , Inc. Experian continues to retain and verify a deleted XXXX XXXX XXXX tradeline that both XXXX  and XXXX  have permanently removed. Experian has suppressed the tradeline from consumer view instead of deleting it, violating FCRA 1681i ( a ) ( 5 ) ( A ) and 1681e ( b ). 

Experian also failed to provide a full file disclosure including suppressed tradelines, dispute history, and XXXX  records as required under 609 ( a ). My dispute was misclassified as potential fraud even though I never alleged identity theft.

I have attached my formal Notice of Intent to Sue ( dated XX/XX/year> ) as supporting documentation. I request confirmation that Experian permanently deletes this tradeline from all systems and provides a full disclosure as required by law.

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 2025-11-05 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: CO

Complaint narrative:
These account are fraudulently reported under my name without any authorization, consent, or knowledge on my part. I have never authorized, managed, or been associated with them in any way. This is utterly unacceptable, as it spreads false and damaging information about my financial history. I take my credit profile extremely seriously, and the presence of these unauthorized accounts has caused me profound distress and alarm. I demand immediate clarification on why these accounts are appearing and who is responsible for reporting them provide full details without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: KY

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX # XXXX * * * * * * * * * * - Balance : {$840.00} - Date Opened : XX/XX/year> UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX XXXX XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$68.00} - Date Opened : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$84.00} - Date Opened : XX/XX/year> UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
On XX/XX/year>, I was involved in a serious car accident. My vehicle was declared a total loss by my insurance provider. As a result XXXX XXXX was paid {$19000.00}, on or around XX/XX/year> ( your website lists the payment date as XX/XX/year> ). 

This resulted in an overpayment. I had been making monthly payments of {$600.00}, which exceeded my required payment of {$490.00}. This consistent overpayment of {$100.00} per month meant my account was paid in advance through XX/XX/year>. I only owned the car until XX/XX/year>. Thus I am owed an overpayment of 6 months of payments ( XXXX thru XX/XX/year> ). 

I have sent two letters and made three telephone calls to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
i have sent various letters to all XXXX credit bureaus challenging the XXXX % accurate reporting of various accounts as it is my consumer right. below are the dates they were sent XXXX XXXX XXXX XXXX i have yet to receive any response from any of the bureaus. they are violating my consumer rights by not responding in the allotted time frame

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
i have sent various letters to all XXXX credit bureaus challenging the XXXX % accurate reporting of various accounts as it is my consumer right. below are the dates they were sent XXXX XXXX XXXX XXXX i have yet to receive any response from any of the bureaus. they are violating my consumer rights by not responding in the allotted time frame

Company response to consumer: Closed with explanation