vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Dear XXXX XXXX XXXX XXXX XXXX, I am writing to dispute certain information that appears on my credit report. I recently obtained a copy of my credit file, and I believe that the reporting of the following account is inaccurate and requires investigation : Creditor : Wells Fargo Auto ( WFBNA Auto ) Account Number : Account # XXXX  Status Showing : Paid, Closed {$9800.00} Written Off Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I request that you conduct an investigation into this account and verify the accuracy of the information being reported. Specifically, I am disputing : The accuracy of the charge-off status, as the account has been paid/settled.

The reporting of a written off balance, which does not reflect the true final status.

Any late payment notations that may remain beyond the allowable reporting period.

Please provide documentation verifying the accuracy of this reporting from Wells Fargo Auto. If you can not verify the account as accurate, complete, and up to date, I request that you remove it from my credit file immediately.

Enclosed are copies of supporting documents ( e.g., payment confirmation, settlement letter, or bank statement ) to assist with your investigation.

Thank you for your prompt attention. Please conduct your reinvestigation and provide me with a written response within 30 days, as required by law.

Sincerely, 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 2025-08-17 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: NY

Complaint narrative:
Subject : Complaint Regarding Inaccurate Credit Reporting by Equifax ( SSN Ending XXXX ) Details of the Complaint : I am submitting this complaint because Equifax is furnishing inaccurate information to the credit reporting agencies regarding my credit profile ( SSN ending in XXXX ). The information being reported is factually incorrect and damaging to my credit profile. 
Specifically : - The account ( s ) associated with my credit file are being reported with inaccurate, unverifiable, or incomplete information. 
- This information is not verifiable, not accurate, and not complete as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. 
- I have already disputed this information with the credit reporting agencies, yet Equifax continues to verify and report inaccurately. 
Impact on Me : This false reporting has caused significant harm, including but not limited to : - Denials of credit and financial opportunities. 
- Increased interest rates on loans and credit products. 
- XXXX XXXX and damage to my reputation. 
Legal Basis : Under the FCRA, furnishers and consumer reporting agencies have a legal duty to ensure that information provided is accurate and complete ( 607 ( b ) ). They also must reasonably investigate disputes ( 611 ) and correct or delete information that can not be verified. Resolution Sought : I respectfully request that the CFPB investigate this ma
tter and require Equifax to : 1. Conduct a full and proper investigation into my credit file.

2. Cease furnishing inaccurate information to the credit reporting agencies.

3. Delete or correct the inaccurate data so that my file reflects only accurate and verifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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 writing to formally notify you that I am a confirmed victim of the XXXX  Equifax data breach, which exposed the personal identifying information of over XXXX XXXX Americans, including mine. As a result of this breach, I have reason to believe that unauthorized and fraudulent accounts and/or inaccurate information have been reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( Section 605B ), I am asserting my rights as an identity theft victim to request that all information resulting from fraud, including any accounts, inquiries, or collections that do not belong to me, be permanently blocked from my credit report. The FCRA requires consumer reporting agencies to block such information within XXXX business days of receiving : Proof of identity ; A copy of a valid identity theft report The identification of the fraudulent information in question ; and A statement that the information is not related to any transaction I made. Furthermore, the credit reporting agencies have a legal obligation to ensure the maximum possible accuracy of the data they report under 15 U.S.C. 1681e ( b ). The continued reporting of inaccurate, unverifiable, or fraudulent information is a violation of federal law. I am requesting an immediate investigation and the removal or permanent blocking of all items on my credit report that do not belong to me, which I believe are the result of identity theft stemming from the Equifax data breach. Please consider this a formal complaint and request for enforcement action, as I have exhausted attempts to correct this directly with the credit bureaus and furnishers of the information. I respectfully ask that the CFPB hold these entities accountable and ensure my consumer rights are protected. I am prepared to provide supporting documentation, including my identity theft report, upon request

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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 notify you that I am a confirmed victim of the XXXX  Equifax data breach, which exposed the personal identifying information of over XXXX XXXX Americans, including mine. As a result of this breach, I have reason to believe that unauthorized and fraudulent accounts and/or inaccurate information have been reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( Section 605B ), I am asserting my rights as an identity theft victim to request that all information resulting from fraud, including any accounts, inquiries, or collections that do not belong to me, be permanently blocked from my credit report. The FCRA requires consumer reporting agencies to block such information within XXXX business days of receiving : Proof of identity ; A copy of a valid identity theft report The identification of the fraudulent information in question ; and A statement that the information is not related to any transaction I made. Furthermore, the credit reporting agencies have a legal obligation to ensure the maximum possible accuracy of the data they report under 15 U.S.C. 1681e ( b ). The continued reporting of inaccurate, unverifiable, or fraudulent information is a violation of federal law. I am requesting an immediate investigation and the removal or permanent blocking of all items on my credit report that do not belong to me, which I believe are the result of identity theft stemming from the Equifax data breach. Please consider this a formal complaint and request for enforcement action, as I have exhausted attempts to correct this directly with the credit bureaus and furnishers of the information. I respectfully ask that the CFPB hold these entities accountable and ensure my consumer rights are protected. I am prepared to provide supporting documentation, including my identity theft report, upon request

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 2025-08-17 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: NV

Complaint narrative:
I disputed the validity of the alleged debt and exercised my consumer rights and was sent billing statements by the debt collection agency. However, billing statements alone do not satisfy the legal requirements for full debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, nor do they provide sufficient evidence of your legal ownership or authority to collect this debt.

I hereby reiterate my request for complete validation, specifically including : A full and unbroken chain of title demonstrating legal assignment or transfer of this account from the original creditor to your agency Legal documentation that identifies the debt with specificity in each assignment, not merely generic references to bulk portfolios Evidence of your current authority to collect this debt and report it to any consumer reporting agency Per FDCPA 1692g and 1692e, you are required to provide documentation that establishes your standing and the validity of the alleged debt. Furthermore, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, furnishers of information must ensure accuracy and conduct proper investigations when a dispute is received. Failure to do so may constitute willful noncompliance.

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 2025-08-17 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: RI

Complaint narrative:
According to FCRA section,605B its illegal to report my information without my permission please remove

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 2025-08-17 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: NC

Complaint narrative:
I was XXXX  from XXXX to XX/XX/XXXX ( XXXX XXXX ) making it impossible for me to open or use credit accounts. Dispute proof Transunion refuse to remove fraudulent accounts. XXXX XXXX XXXX have already correct this error, but Transunion continues to report inaccurate information. I am requesting CFBP intervention under the fair Credit Reporting Act

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: CA

Complaint narrative:
My cashapp account was closed out of the blue on XX/XX/year>. I contacted cashapp support to find out why and they said I violated their terms and conditions by gambling. I told them I wanted to appeal it because I havent gambled a day in my life! They asked me to explain the charges on my cashapp account and I explained to them that I am an XXXX XXXX XXXX XXXX XXXX. I XXXX XXXX online and my clients pay for XXXX XXXXXXXX  via cashapp. I also am a XXXX XXXX XXXX other XXXX XXXX from XXXX XXXX XXXX XXXX. Thats what the charges are on my cashapp. I havent violated any of their terms and conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I am submitting this complaint to the CFPB regarding violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by multiple debt collectors and debt buyers who are inaccurately and unlawfully reporting accounts on my credit reports.

Despite sending formal disputes and debt validation requests, these entities have continued to : Report unverifiable debts, Fail to provide validation documentation, Ignore cease-and-desist notices, and Continue collection activity in violation of federal law.

II. Disputed Debt Collector Accounts The following accounts continue to appear on my XXXX XXXX  and XXXXXXXX  reports : XXXX XXXX XXXX  Debt Buyer Account, Balance : {$2300.00} Status : Collection account, opened XX/XX/year> XXXX XXXX XXXX ( multiple accounts ) Acct XXXX XXXXXXXX Balance : {$1500.00} | Original Creditor : XXXX XXXX  Acct XXXX XXXXXXXX Balance : {$1400.00} | Original Creditor : XXXX XXXX XXXX XXXX 

Acct XXXX XXXXXXXX Balance : {$1100.00} | Original Creditor : XXXX XXXX XXXX XXXX 

Acct XXXX XXXXXXXX Balance : {$1000.00} | Original Creditor : XXXX XXXX XXXX XXXX 

Credit Collections XXXX XXXX XXXX ) Balance : {$740.00} Status : Collection account XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} Status : Collection account | Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$540.00} Status : Collection account | Original Creditor : XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX. 

Balance : {$260.00} Status : Collection account | Original Creditor : XXXX XXXX XXXX. Basis of Complaint 1. FCRA Violations ( 15 U.S.C. 1681e, 1681i ) Failure of furnishers and credit reporting agencies to maintain maximum accuracy.

Failure to conduct proper reinvestigations despite my disputes.

Failure to provide results and corrected reports within statutory timelines.

Continued reporting of accounts marked as Consumer disputes this account without resolving the inaccuracies.

2. FDCPA Violations ( 15 U.S.C. 1692g, 1692c, 1692e ) Failure to provide debt validation within 30 days of dispute.

Continued collection activity ( including credit reporting ) without validation.

Ignoring cease-and-desist requests.

Reporting and attempting to collect without producing a chain of title or proof of ownership of debt. 

Case law such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX establishes that debt buyers must prove continuous chain of assignment, which has not been provided here. 

3. Deceptive & Unfair Practices The continued reporting of unvalidated debts constitutes deceptive practices under the FTC Act ( 15 U.S.C. 45 ) and violates CFPB Regulation F ( validation notice and reporting requirements ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
This has been a nightmare of a situation. This person opened an account with out my permission. I have filed multiple criminal and civil case to resolve this nightmare. And now that the legal side has been resolved. Transunion is refusing to help, and siding with the criminal maintaining that I still need to be victimized by them. I never authorized her to buy a car from XXXX, and when I tried to resolve this issue with XXXX, they told me they would not even repo the thing, but still falsely report derogatory marks and missed payments to my credit ; try using that to strong arm me to pay of a car I never had access to or agreed to own.

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 2025-08-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
* On XX/XX/XXXX I received a notification from XXXX  and XXXX  that there has been a hard inquiry on my credit report by bank of america. It included the following phone number ( belonging to Bank of America ) : XXXXXXXX XXXX I called XXXX  first. They told me that they can do nothing about the credit inquiry. I should call the company making the inquiry ( Bank of America ). 
* I called the above phone number for bank of america. Ultimately spoke to credit card customer support as well as their fraud department. The answer I got was : There is no record of me in their system. There is no application for any type of credit in progress. So, there's no action they can take Bank of America was not very helpful, beyond stating the above. However, the hard inquiry on my credit report remains and I have no idea how to remove that inquiry. There are 2 problems with this. 1. I don't know if there was a fraud perpetrated or if this was a mistake and 2. The hard inquiry may affect my credit score. Bottom line, there should not be a hard inquiry on my credit when I never initiated one!!!

I contacted bank of america twice on this issue and probably spent a total of 2-3 hours on this issue with them ... no result.

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 2025-08-17 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: NV

Complaint narrative:
This correspondence is a formal continuation of my earlier dispute regarding the above-referenced account. I acknowledge receipt of your response, which do not satisfy the legal requirements for full debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and 15 U.S.C. 1692g ( b ) nor did they provide sufficient evidence of your legal ownership or authority to collect this debt.

I hereby reiterate my request for complete validation, specifically including : A full and unbroken chain of title demonstrating legal assignment or transfer of this account from the original creditor to your agency Legal documentation that identifies the debt with specificity in each assignment, not merely generic references to bulk portfolios Evidence of your current authority to collect this debt and report it to any consumer reporting agency Per FDCPA 1692g and 1692e, you are required to provide documentation that establishes your standing and the validity of the alleged debt. Furthermore, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, furnishers of information must ensure accuracy and conduct proper investigations when a dispute is received. Failure to do so may constitute
willful noncompliance.

Additionally, I noticed that the account is listed under the name XXXX XXXX, which is incorrect. My legal name is XXXX XXXX ( with one XXXX ). This discrepancy raises further concerns about the accuracy of your records and the validity of your claim.

I request that this error be corrected immediately and that any reporting or collection activity under the incorrect name cease. Continued use of inaccurate personal information may constitute a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief