vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I discovered a charge-off account on my credit report that I believe is inaccurate and incomplete. Since noticing this, I have submitted multiple formal disputes to both the creditor/furnisher and the credit reporting agencies, requesting a thorough investigation and validation of the debt. Despite these repeated efforts, the creditor has failed to provide any substantive verification, such as the original signed contract, detailed payment history, or evidence that the debt is valid and belongs to me.

Instead, I have only received generic or stall responses that do not address the specific issues I raised. The inaccurate charge-off status, incorrect balances, and inconsistent reporting continue to appear on my credit report, which is negatively impacting my credit score and financial opportunities. This ongoing failure to investigate and correct the errors violates my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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:
Unauthorized XXXX Inquiries Identity Theft I checked my credit report to find that there were 2 hard inquiries that do not belong to me. They were not initiated by me and should not be on my credit report.

Here is the dispute I sent to Equifax : To Whom it May concern.

I am writing to formally dispute and demand the removal of unauthorized hard inquiries that have appeared on my Equifax credit report. These inquiries were not authorized by me and are a direct result of identity theft.

In compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 and 1681g ( e ) ), I am enclosing the following documentation as evidence : 1. A copy of my FTC Identity Theft Report ( filed at identitytheft.gov ).

2. A copy of my government-issued ID.

3. Proof of my current address ( Bank Statement ) The following inquiries are fraudulent and must be removed immediately from my credit file : XXXX XXXX ( XX/XX/2025 ) XXXX XXXX ( XX/XX/2025 ) As these inquiries were not initiated or approved by me, I demand their permanent removal within the XXXX period required by law. Please provide me with written confirmation of your findings and an updated credit report reflecting the deletions. 

If these inquiries are not removed, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and pursue my right to seek legal remedies. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: NJ

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-10-01 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: GA

Complaint narrative:
* PLEASE SEE ATTACHED RELATING TO Consumer Financial Protection Bureau, PLAINTIFF Equifax XXXX and Equifax Information Services LLC, XXXX ADMINISTRATIVE PROCEEDING File No. XXXX SPECIAL XXXX TO THE FOLLOWING PARTIES XXXX XXXX, Mass XXXX XXXX XXXX. XXXX ( Application for Pro Hac Vice Admission Pending ) email : XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX, XXXX Washington XXXX DC XXXX Phone : XXXX Fax : ( XXXX ) XXXX XXXX XXXX, XXXX. XXXX XXXX. XXXX Email : XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX, Suite XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Attorneys for XXXX Consumer Financial Protection Bureau

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harley Davidson Financial Services Inc
State: CA

Complaint narrative:
Continuously harassing me after Ive asked for them to stop calling me 20 times a day. Repeatedly harassing me. Calling from different numbers all day

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: TX

Complaint narrative:
I respectfully dispute accounts appearing on my report that I did not open. Please complete a comprehensive investigation and delete them. Evidence is enclosed.

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX has reported false and unauthorized information in my consumer file, which constitutes multiple violations of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ). Under FCRA 604, EWS may only furnish information with a valid permissible purpose, which did not occur in this case. Under FCRA 609 and 611, EWS must provide full disclosure and conduct a reasonable reinvestigation, yet they have failed to properly verify or delete the disputed data.

EWS is further in violation of FCRA 607 ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy, and FCRA 605B, which requires the blocking of fraudulent information within four business days. In addition, EWS has failed to comply with XXXX XXXX reporting standards, which mandate accuracy, proper coding, and verifiable data. 

These failures are unlawful and have caused me direct financial harm. I am requesting the immediate deletion of all inaccurate, unverifiable, and unauthorized information in compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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:
Please remove this false and unrecognized account from my credit report, as it is not associated with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: SC

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: IL

Complaint narrative:
To Whom It May Concern, I, XXXX XXXX, am a victim of identity theft. I am submitting this second formal complaint because the credit reporting agencies and creditors have failed to comply with their obligations under federal law to permanently delete fraudulent accounts and inquiries. The following accounts, addresses, and items were not authorized by me and are the direct result of identity theft : XXXX  XXXX {$1900.00} XXXX  XXXX {$2500.00} XXXX  {$3100.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX  {$21000.00} XXXX XXXX XXXX XXXX {$40000.00} XXXX XXXXXXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX {$980.00} Fraudulent Addresses : XXXX XXXX XXXX, XXXX, IL XXXX and XXXX XXXX XXXX, XXXX, IL XXXX Legal Grounds for Immediate Deletion 1. Fair Credit Reporting Act ( FCRA ) : 1681c-2 ( Block of Information Resulting from Identity Theft ) : Requires immediate and permanent blocking of all information alleged to be the result of identity theft once proper proof is submitted. 
1681i ( Reinvestigation of Disputed Information ) : Mandates a complete reinvestigation and deletion of unverifiable or fraudulent accounts.

1681s-2 ( Responsibilities of Furnishers ) : Furnishers must not report inaccurate information once notified of identity theft.

2. Fair Debt Collection Practices Act ( FDCPA ) : 807 ( 15 U.S.C. 1692e ) : Prohibits debt collectors from using false representations regarding debts. Attempting to collect fraudulent accounts violates this section.

805 ( 15 U.S.C. 1692c ) : Collection activity on fraudulent debts after notice of identity theft constitutes continued harassment and unlawful collection.

3. Fair and Accurate Credit Transactions Act ( FACTA ) : Provides consumers the right to block fraudulent information from credit reports immediately.

4. Gramm-Leach-Bliley Act ( GLBA ) : Creditors and agencies are required to safeguard consumer information. The presence of fraudulent accounts and addresses proves a failure to protect my personal data.

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To Whom It May Concern, I, XXXX XXXX, am a victim of identity theft. I am submitting this second formal complaint because the credit reporting agencies and creditors have failed to comply with their obligations under federal law to permanently delete fraudulent accounts and inquiries. The following accounts, addresses, and items were not authorized by me and are the direct result of identity theft : XXXX  XXXX {$1900.00} XXXX  XXXX {$2500.00} XXXX  {$3100.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX  {$21000.00} XXXX XXXX XXXX XXXX {$40000.00} XXXX XXXXXXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX {$980.00} Fraudulent Addresses : XXXX XXXX XXXX, XXXX, IL XXXX and XXXX XXXX XXXX, XXXX, IL XXXX Legal Grounds for Immediate Deletion 1. Fair Credit Reporting Act ( FCRA ) : 1681c-2 ( Block of Information Resulting from Identity Theft ) : Requires immediate and permanent blocking of all information alleged to be the result of identity theft once proper proof is submitted. 
1681i ( Reinvestigation of Disputed Information ) : Mandates a complete reinvestigation and deletion of unverifiable or fraudulent accounts.

1681s-2 ( Responsibilities of Furnishers ) : Furnishers must not report inaccurate information once notified of identity theft.

2. Fair Debt Collection Practices Act ( FDCPA ) : 807 ( 15 U.S.C. 1692e ) : Prohibits debt collectors from using false representations regarding debts. Attempting to collect fraudulent accounts violates this section.

805 ( 15 U.S.C. 1692c ) : Collection activity on fraudulent debts after notice of identity theft constitutes continued harassment and unlawful collection.

3. Fair and Accurate Credit Transactions Act ( FACTA ) : Provides consumers the right to block fraudulent information from credit reports immediately.

4. Gramm-Leach-Bliley Act ( GLBA ) : Creditors and agencies are required to safeguard consumer information. The presence of fraudulent accounts and addresses proves a failure to protect my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: HI

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: CA

Complaint narrative:
This is a follow-up complaint against Equifax Information Services LLC XXXX Equifax has unlawfully reinserted accounts previously deleted from my credit report without following the procedures required under the Fair Credit Reporting Act ( FCRA ). 

Despite my initial CFPB complaint and supporting evidence, XXXX response failed to address the reinsertion violations. Instead, they returned a generic updated/verified explanation and made superficial field updates without compliance to federal law. 

Violations FCRA 611 ( a ) ( 5 ) ( B ) No 5-Day Notice of Reinsertion Equifax failed XXXX provide written notice within XXXX business days of reinserting accounts previously deleted. 

FCRA 611 ( a ) ( 1 ) ( B ) Lack of Certification Reinserted items must be reverified and certified as accurate by the furnisher. Equifax has not produced any such certification. 

FCRA 609 ( a ) ( 1 ) Method of Verification I requested documentation and MOV for the reinserted accounts. Equifax did not provide any records, affidavits, or data from furnishers. 

FCRA 1681e ( b ) Maximum Possible Accuracy These accounts were already deemed inaccurate and deleted. Their reappearance, still with errors in DOFD and payment history, violates this standard. 

XXXX XXXX Noncompliance Fields XXXX ( Account Status ), XXXX ( Payment History ), and XXXX ( DOFD ) remain inconsistent across reinserted accounts. 

Supporting Law & Precedent XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX. XXXX ) : CRAs can not merely parrot furnishers responses. 

XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX, XXXX Cir. XXXX ) : CRAs are liable when they reinsert data without ensuring accuracy. 

XXXX v. Equifax ( XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) : Reinsertion without proper verification violates FCRA. 

CFPB XXXX NY XXXX XXXX Experian ( XXXX ) : $ XXXX settlement for unlawful reinsertion practices. 

Harm These unlawful reinsertions lower my credit score, misrepresent my payment history, and harm my ability to obtain credit, employment, and housing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: NY

Complaint narrative:
I am formally disputing the accuracy and validity of the charge-off account reported by your company and listed on my credit file. This account is being reported in a manner that violates the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my credit standing. 

Upon reviewing my credit reports, I have found inaccuracies and incomplete information regarding this alleged account, including but not limited to : Dates of first delinquency and charge-off are inconsistent. 
The balance, past due amount, and status are not accurately reported. 
The account does not reflect complete and verifiable records of the debt. 

Under FCRA 609 ( a ) and FCRA 611, I am requesting the following : 1. Full validation and documentation proving this account was lawfully established and charged off.

2. Copies of the original signed contract or agreement bearing my signature.

3. A detailed payment history, including how the balance and charge-off status were calculated.

If you can not provide complete and verifiable documentation within the legally required time frame, I demand that this account be deleted immediately from all credit reporting agencies as required by the FCRA.

Please note that continuing to report unverifiable or inaccurate information is a direct violation of federal law. I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General if necessary. 

I expect your investigation and response within the required 30 days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: TX

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. 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 explanation
Consumer complaint received 2025-10-01 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 disputed six unauthorized debit card charges of {$49.00} each ( total {$290.00} ) at XXXX XXXX stores in multiple cities on the same day on XX/XX/2025. I did not authorize these charges or use tap-to-pay. 
Wells Fargo initially gave me provisional credit but then denied my claim, reversed the credit, and put my account into a negative balance. This has caused financial hardship. 
I went in person to a Wells Fargo branch, where a banker called the fraud department on my behalf. On the phone, I was told the case could not be reopened because " all investigation was complete. '' When I requested the documents Wells Fargo relied on to deny my claim, I was told I would not receive them for XXXX calendar days. 
This outcome does not make sense, as the charges occurred in different cities on the same day and follow a clear fraud pattern. Wells Fargo has refused to reinvestigate and is delaying access to the documents I requested.

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 2025-10-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: GA

Complaint narrative:
Ive had an account with Cash App for over a year upon losing a phone losing access to pretty much everything I thought changing my password as soon as I got another phone would solve the problem so now every time that I try to open an account with Cash app it asked me to verify my identity in which I always do via license Social Security card, birth certificate whatever they ask for and all of a sudden my account is closed. Ive lost over {$500.00} from my accounts closing every time I try to verify my identity. I reach out to Cash app Support and never hear anything back never received my money and it just happened again. They send this link saying that I violated some terms of service but thats not telling me. What exactly did I violate they could never answer that for me. I just want my money back and someone needs to answer for this. I mean its like being robbed in plain daylight.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSWORLD SYSTEMS INC
State: AL

Complaint narrative:
The data is XXXX XXXX and the amount is {$1300.00} XXXX XXXX XXXXXXXX Im dont know the account number in my address is XXXX XXXX XXXX XXXX Al XXXX and the ss number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XX/XX/year> Dear Sir / Madam : I am writing regarding the above-referenced account. I request that you validate and verify this debt as provided under federal law ( 15 U.S.C. 1692g and Regulation F / 12 C.F.R. 1006.34 ). 

Please provide me, in writing, with the following : Proof that I am legally obligated to pay this debt ( such as a contract, agreement, or assignment ). 

The name and address of the original creditor. 

An itemization of the debt showing the balance, principal, interest, fees, payments, credits, and charges, from the itemization date through today. 

The date the debt was incurred/ the last transaction date and charge-off date ( or whichever itemization date you are using ). 

The account number ( or partial number ) associated with this debt.

Verification that your agency is legally authorized to collect on this debt in my state, including your license number ( if applicable ).

Copies of documentation showing that you own or have a right to collect the debt ( for example, assignment papers ). 

Any judgment, if applicable, and date of judgment. 

Evidence of your chain of custody of the debt ( i.e. how the debt was transferred or sold ). 

While you provide this information, you must cease all collection efforts on this account ( including calls, letters, reporting to credit bureaus or legal action ) until you have provided sufficient verification. 

If you can not verify this debt, you must delete or discontinue attempts to collect it, and notify any credit reporting agency to which you reported this debt that it is invalid/ inaccurate. 

Also please send me a written statement confirming that you have ceased collection efforts until you provide proper verification, and that you will not report this debt to any consumer reporting agency until verification is completed. 

Please respond within 30 days from receipt of this letter. 

Thank you for your prompt attention to this matter. 

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 non-monetary relief