vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 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:
Upon a careful review of my credit reports, I identified multiple inaccuracies that do not reflect my true financial history. I have always made it a priority to meet my obligations responsibly ; however, the way certain accounts and inquiries are reported is inconsistent, misleading, and in several cases unverifiable. 

This complaint serves as my formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I demand that Equifax, XXXX, and Experian conduct a reinvestigation of the following disputed items : XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX 
These inaccurate entries negatively affect my credit standing and misrepresent my financial history, directly limiting my ability to access fair financial opportunities. Unless these accounts and inquiries can be fully verified with proper documentation from the original data furnishers, they must be corrected or permanently removed.

The following provisions of the FCRA apply to my dispute : FCRA 604 ( 15 U.S.C. 1681b ) : Inquiries must have a permissible purpose ; unverifiable inquiries violate this section.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Credit bureaus must follow reasonable procedures to ensure maximum possible accuracy.

FCRA 611 ( 15 U.S.C. 1681i ) : Grants me the right to dispute inaccurate information and requires prompt reinvestigation and correction or deletion of unverifiable data.

FCRA 609 ( 15 U.S.C. 1681g ) : Requires disclosure of all information in my file, including sources of reported data, upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: OH

Complaint narrative:
Im reaching out because theres an account showing up on my credit report that does not belong to me. This account appears to be the result of mixed or merged credit information, and it is very clear that this account is tied to someone elses identitynot mine. 

I want to make this absolutely clear : I have no association whatsoever with the account in question. I did not open it, I have no connection to the person who did, and I should not be held responsible for their financial activity. Somehow, my credit file has been inaccurately combined with another persons information, and this is now negatively impacting my credit profilethrough no fault of my own. 

This is not just a mistake ; its a serious error that violates the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). Under the law, you are obligated to ensure that every item reported under my name is 100 % accurate and verifiably connected to me. In this case, that standard is not being met.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
FACTUAL ALLEGATIONS XXXX. On or about [ To be supplied by Defendant ], Plaintiff entered into a loan agreement with Defendant.

5. Plaintiff relied on Defendants representations and disclosures when deciding to enter into the loan agreement.

6. Defendant engaged in unfair, deceptive, and unlawful conduct, including but not limited to : o Misrepresenting or failing to disclose key loan terms ; o Charging unlawful or excessive fees and interest in violation of state and federal laws ; o Engaging in abusive and unlawful debt collection practices ; o Breaching contractual duties owed to Plaintiff ; o Mishandling Plaintiffs personal and financial information, resulting in a data breach and privacy violations ; o Harassing Plaintiff in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

7. As a direct and proximate result of Defendants conduct, Plaintiff has suffered financial losses, emotional distress, reputational harm, and damage to credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: FL

Complaint narrative:
Delete the above accounts from my credit file immediately unless you can provide complete, verifiable, and accurate documentation supporting them. 

Provide me with the full investigation file for these accounts, including all correspondence with furnishers. 

Ensure no previously deleted or disputed accounts are reinserted without proper certification and required consumer notice.

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 2025-09-30 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 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 : Account Name : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: AL

Complaint narrative:
TransUnion Credit Reporting Agency has an unknown, potentially fraudulent hard inquiry reporting on my credit report. The name of the company in question is XXXX XXXX and the date of the incident was XX/XX/year>. I am requesting that this inquiry be permanently removed from my credit profile as soon as possible and an updated copy be sent to me. Your utmost attention to this matter is greatly appreciated and duly noted!

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 2025-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Concerning the transaction On XX/XX/XXXX, I initiated a wire transfer in the amount of $ [ XXXX ] USD from my bank, [ XXXX XXXX XXXX ], to a beneficiary account at Wells Fargo Bank. The transaction details and account involved are above Originator Account Number : XXXX Receiving Beneficiary Account Number : XXXX Sender ABA ( Routing # ) : XXXX Receiver XXXX  ( Routing # ) : XXXX Concerning the recent matter, the recipient of the Wells Fargo account maintains that the transaction does not appear on her statement, despite clear confirmation from her bank, Wells Fargo, that the funds have been credited. I respectfully request that you continue to keep me informed as this situation involves all of my savings. An email was sent to the recipient requesting clarification, but they have failed to visit their bank for further verification. Instead, they have provided me with account statements which claim that the funds have not been credited, despite the confirmation from Wells Fargo that the transaction was successfully processed. If possible they freeze her account for her to visit the bank and clear the air this would help

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 2025-09-30 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: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
In XX/XX/year>, a collection account from Caine & Weiner was added to my credit reports, allegedly tied to XXXXXXXX XXXX XXXX with a balance of {$4600.00}. I do not now, nor at the time of this transaction, own a pet. I was XXXX  during the time this account was allegedly opened, making it impossible for me to have incurred veterinary charges. 

I went in person to the XXXX location and requested records. They provided me with an invoice that completely contradicts the balance being reported by Caine & Weiner. Their staff confirmed that they could not match me to any legitimate account. 

I also asked Caine & Weiner for validation, including : Proof of the original contract or signed service agreement Complete account history and itemized charges Proof of assignment/ownership of the debt Method of verification used to validate the account with the bureaus Validation of the balance accuracy Proof of permissible purpose to report under the FCRA Despite these requests, no legally sufficient documentation has been provided. Instead, Caine & Weiner continues to furnish this inaccurate account, causing harm to my creditworthiness and resulting in denials, including a federal student loan appeal. 

I am requesting immediate investigation and deletion of this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Im filing a complaint about the Alaska  XXXX XXXX ( issued by Bank of America ) regarding a XXXX XXXX XXXX  that was materially limited after it was issued, without clear advance disclosure. 

I earned a XXXX XXXX on XX/XX/year>. After I was involuntarily bumped from Alaska  XXXX XXXX on XX/XX/year>, Alaska  issued Bonus Travel Certificates ( BTCs ) as compensation and told me they were as good as cash on XXXX  When I tried to book on XX/XX/year>, the website blocked XXXX funds on a XXXX XXXX booking. My understanding is that this restriction was implemented around XX/XX/year>, i.e., after both the XXXX XXXX and BTCs were issued at the behest of Bank of America. This post-issuance change reduces the value of a widely advertised credit-card benefit and of the compensation I received for being bumped. I booked my trip without using the XXXX XXXX ( confirmation codes XXXX and XXXX  ) to avoid losing availability. 
I attempted to message BofA but was told to call ; Im seeking a written response.

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 2025-09-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
i called the company and ask for a debt validation letter and proof that they had permission to collect on this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I am submitting this complaint regarding PayPals continued and unjustified withholding of business funds. On XXXX XXXX, I received a payment of XXXX $ for services rendered through my business. The transaction was fully completed, there were no disputes or chargebacks, and I have complied with all of PayPals verification requirements. 

Despite this, PayPal has held my funds as pending or on hold without providing a legitimate reason, specific explanation, or clear timeline for release. Multiple attempts to resolve this directly with PayPal have been unsuccessful their customer service continues to provide only generic responses and refuses to escalate or offer a concrete resolution. 

This practice is directly harming my business operations and cash flow. Withholding access to earned revenue without cause may constitute an unfair or deceptive practice under consumer protection laws. I believe PayPal is failing to adhere to its own stated policies and is mishandling my account in a manner that is detrimental to my business. 

Requested Resolution : I am requesting that PayPal immediately release the held funds and cease the practice of unnecessarily withholding payments on legitimate transactions. I also request that the CFPB investigate PayPals policies and practices regarding fund holds, as they may be unfair, deceptive, or abusive to small business owners.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: GA

Complaint narrative:
I have been battling this with cash app for 2 months they want to keep saying they are denying my claim but telling you guys that they need more time to work on it. I thought it was insured which does say at the end of my cash app page that all transactions are is FDIC insured which they are not holding up to their statement it should be against the law for them to lie and say it that every transaction is FDIC insured which clearly is not the case Y'all really should shut them down I'm sure I'm not the only one that they are doing this to. Cash app is the worst bank I've ever banked with. I will be shutting them down and move into something else because this is ridiculous they need some serious help please help me guys

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: IL

Complaint narrative:
After reviewing my credit reports, I was alarmed to discover multiple inaccuracies that do not reflect my actual financial history. I have always made it a priority to meet my financial obligations on time, yet several accounts and addresses are being reported in ways that are inconsistent, misleading, and in many cases unverifiable. 

These inaccuracies harm my creditworthiness and misrepresent my financial history, preventing me from accessing fair financial opportunities. Unless each item can be fully verified with documentation from the original data furnisher, it must be corrected or permanently deleted. 

The following statutes support my dispute : FCRA 605 ( a ) ( 15 U.S.C. 1681c ) : Limits how long negative information may remain on a consumer report.

FCRA 611 ( 15 U.S.C. 1681i ) : Provides my right to dispute inaccurate or incomplete information and requires credit reporting agencies to reinvestigate.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Requires credit bureaus to follow reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1666 ( Truth in Lending Act ) : Protects against billing errors in late-closed or improperly reported accounts.

FDCPA 809 ( 15 U.S.C. 1692g ) : Grants me the right to debt validation and requires verification before reporting or collection activity continues.

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 2025-09-30 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:
After reviewing my credit reports, I was alarmed to discover multiple inaccuracies that do not reflect my actual financial history. I have always made it a priority to meet my financial obligations on time, yet several accounts and addresses are being reported in ways that are inconsistent, misleading, and in many cases unverifiable. 

These inaccuracies harm my creditworthiness and misrepresent my financial history, preventing me from accessing fair financial opportunities. Unless each item can be fully verified with documentation from the original data furnisher, it must be corrected or permanently deleted. 

The following statutes support my dispute : FCRA 605 ( a ) ( 15 U.S.C. 1681c ) : Limits how long negative information may remain on a consumer report.

FCRA 611 ( 15 U.S.C. 1681i ) : Provides my right to dispute inaccurate or incomplete information and requires credit reporting agencies to reinvestigate.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Requires credit bureaus to follow reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1666 ( Truth in Lending Act ) : Protects against billing errors in late-closed or improperly reported accounts.

FDCPA 809 ( 15 U.S.C. 1692g ) : Grants me the right to debt validation and requires verification before reporting or collection activity continues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion has repeatedly violated the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate accounts and unauthorized inquiry on my credit report, despite multiple complaints and disputes. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), furnishers must ensure accuracy, yet errors persist. Additionally, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires a reasonable investigation of disputes, which TransUnion has failed to conduct. Their continued noncompliance has caused financial harm, and I request immediate corrective action.

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 2025-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I disputed the XXXX XXXX account ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ) with TransUnion because the information is inaccurate and unverifiable. TransUnion responded that the account was verified, but neither TransUnion nor XXXX provided the required method of verification. 

This violates the Fair Credit Reporting Act ( FCRA ) : FCRA 611 ( a ) A consumer reporting agency must conduct a reasonable reinvestigation when an account is disputed. Reporting the account as verified without providing proof is not a reasonable reinvestigation.

FCRA 609 ( a ) ( 1 ) Consumers are entitled to the method of verification, including the name of the individual and organization contacted to verify the account. This information was not provided.

FCRA 623 ( a ) ( 1 ) ( A ) Furnishers may not report information they know or should know is inaccurate. XXXX continues reporting disputed information without validation. 

This inaccurate reporting has caused me direct harm, including credit denials and financial injury.

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 2025-09-30 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$5400.00} UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/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 2025-09-30 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:
XXXXXXXX XXXX  has inaccurately reported late payments on my account. Furthermore, they have failed to provide proper verification of these late payments as required under federal law.

Under the Fair Credit Reporting Act ( FCRA ) : FCRA 609 ( a ) ( 1 ) ( 15 U.S.C. 1681g ( a ) ( 1 ) ) I have the legal right to request any and all documentation that was used to verify this late payment. If you can not produce a signed agreement and original billing records, this late payment must be removed immediately per federal law.

FCRA 611 ( 15 U.S.C. 1681i ) You are legally required to reinvestigate and delete inaccurate, unverifiable, or outdated information from my report.

FCRA 623 ( b ) ( 15 U.S.C. 1681s-2 ( b ) ) The creditor must conduct a reasonable investigation upon dispute. Failure to verify with proper documentation within 30 days means this late payment must be deleted. 
Despite my attempts to resolve this issue, the inaccurate information remains. This violation of the FCRA has caused significant harm to my credit standing and must be rectified immediately. 
Please find attached a copy of my credit report highlighting the inaccuracies.

Company response to consumer: Closed with non-monetary relief