vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-05 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: NATIONS LENDING CORPORATION
State: IL

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer credit report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ). 



Inquiry Name Inquiry Date XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX 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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-04-05 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Ive reached out to Capital One several times phone n mail regarding inaccurate information continuously posted on my credit, therefore leaving a bed trail of negative and delinquent payment history Ive made several payments starting XXXX XXXX to date .. it has not once reflected on my credit report or been reported as paid Theyre reporting {$2300.00} I currently only owe them {$440.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-04-05 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-04-05 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: NY

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 


I request the immediate removal of the following inaccurate, incomplete, or outdated information on my credit report : Disputed Accounts : XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX  - XX/XX/XXXX - {$710.00} XXXX - XXXX/XXXX  - XX/XX/XXXX - {$0.00} XXXX - XXXX  XXXX  - XX/XX/XXXX - {$1400.00} XXXX - XXXX XXXX  - XX/XX/XXXX - {$3200.00}

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 2025-04-05 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: AL

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Fraudulent Account Identity Theft and Lack of Legal Capacity ( FCRA 609, 611, 605B ) Dear CFPB Representative, I am writing to formally dispute an inaccurate and fraudulent account that appears on my credit report. This debt does not belong to me, and I request that it be removed immediately under the Fair Credit Reporting Act ( FCRA ) and applicable consumer protection laws. Details of the Disputed Account : Creditor : [ Insert Creditor or Furnisher Name ] Account Number : [ Insert Account Number ] Date Opened : [ Insert Date, if available ] Amount : [ Insert Amount ] Credit Bureau Reporting : [ XXXX XXXX XXXX XXXX XXXX specify which ] Grounds for Dispute : Victim of Identity Theft ( FCRA 605B ) I did not authorize this account. I am a confirmed victim of identity theft. Per FCRA 605B, I am requesting the immediate blocking and removal of this fraudulent account from my credit file.

Lack of Legal Capacity Due to XXXX XXXX XXXX During the time this account was allegedly opened, I was under documented treatment for XXXX XXXX XXXX and did not possess the legal capacity to enter into financial agreements. Any alleged debt obtained during this time was done without informed consent or legal capacity, rendering the account invalid and unenforceable.

Violation of My Rights Under FCRA 604 and 609 I have not been provided with proper documentation or original signed agreements that prove I initiated this account. Under FCRA 609, I formally request that the furnisher and credit bureaus provide verifiable documentation with my signature proving liability.

Americans with Disabilities Act ( ADA ) I am protected under the ADA due to my XXXX XXXX XXXX. Continuing to report this fraudulent debt not only exacerbates my condition but may constitute discriminatory practices and cause irreparable harm.

Requested Action : Immediate removal of the disputed account from all credit reporting agencies.

An investigation by the furnisher and a response within the required 30-day period under FCRA 611 .

Written confirmation of the removal and a copy of my corrected credit report.

Attached are copies of my [ drivers license/state ID ], a police report or identity theft affidavit ( if available ), medical documentation ( optional ), and any correspondence from the creditor.

Please take this matter seriously and respond swiftly. If this issue is not resolved, I will pursue further legal action through the appropriate channels. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: OR

Complaint narrative:
On XX/XX/XXXX at approximately XXXX XXXX  my XXXX  XXXX cell phone was stolen from my car that was parked outside my apartment at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX. I made a report with the XXXX Police Bureau online, as well as called the Police. On XX/XX/XXXX, I got a new phone. At XXXX am, Social Security direct deposited my benefits of {$960.00} to my Cash App Account XXXX XXXX XXXX. 
At XXXX A series of 4 transfers totaling {$970.00} happened until XXXX, those 4 transfers completely drained to XXXX XXXX. Those transfers were made as follows : Social Security XXXX : {$960.00}, XXXX XX/XX/XXXX XXXX XXXX XXXX {$260.00} XX/XX/XXXX XXXX XXXX {$500.00} XXXX XXXX {$70.00} XXXX XXXX XXXX XXXX- {$140.00} ( refunded ) A second Police report was made to XXXX  about the moneys being transferred from the stolen phone. Both reports were uploaded, see pics, please. I called cash app and told them that my phone had been stolen and I didn't understand why suspicious transactions had been occurring at such large amounts and explained that my phone was stolen and THEIF had locked my debit card that's why my 2 transactions did not go thru 216pm LITTLE CEASARS for {$21.00} and 221pm ATM Withdrawal- {$200.00} declined, that is what triggered me to call cash app, my debit card wasn't working.I ended up filing disputes for 4 transactions that totaled {$970.00}, and apparently there was NO NOTE IN MY ACCOUNT EXPLAINING THAT MY PHONE WAS STOLEN WITH MY CASH APP ACCOUNT IN IT, AND MY DISPUTES WERE DENIED BECAUSE THIS IMPORTANT INFORMATION WAS NOT AVAILABLE FOR CONSIDERATION TO THE DISPUTE AGENT AND THEY SAID IT APPEARED TO BE ME TRANSFERRING LARGE AMOUNTS TO PEOPLE I HAVE NO HISTORY OF EVER PAYING, ( SUSPICIOUS ) However, for some reason the Apple pay was sent differently and that was refunded {$140.00}. I SENT XXXX, XXXX XXXX and XXXX, XX/XX/XXXX account statements to prove that I have no history of spending pattern like that of XX/XX/XXXX, the denial letter, XXXX Police reports, other evidence screenshots from my cash app account, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: NY

Complaint narrative:
XXXX  - XX/XX/XXXX - Unless verified with my signature being affixed on any document confirming authorization, I request that this be removed from my credit file. 
XXXX  - XX/XX/XXXX - Unless verified with my signature being affixed on any document confirming authorization, I request that this be removed from my credit file. 
XXXX  - XX/XX/XXXX - Unless verified with my signature being affixed on any document confirming authorization, I request that this be removed from my credit file. 
XXXX XXXX - XX/XX/XXXX - Unless verified with my signature being affixed on any document confirming authorization, I request that this be removed from my credit file. 
XXXX  - XX/XX/XXXX - Unless verified with my signature being affixed on any document confirming authorization, I request that this be removed from my credit file. 
XXXX  - XX/XX/XXXX - Unless verified with my signature being affixed on any document confirming authorization, I request that this be removed from my credit file. 
XXXX  - XX/XX/XXXX - Unless verified with my signature being affixed on any document confirming authorization, I request that this be removed from my credit file

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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I discovered two Wells Fargo accounts on my credit reports that I believe were either opened without my full consent or mishandled in a way that caused long-term credit damage : 1. Account opened XX/XX/year> This was opened during the height of the Wells Fargo unauthorized account scandal. I do not recall authorizing this account. It was later charged off, resulting in negative reporting and credit harm. 

2. Account opened XX/XX/XXXX, XXXX This was closed and charged off within just 5 months. I was never properly informed of terms or disclosures. It reported as a charge-off and caused further damage to my credit. 

I contacted Wells Fargo to ask if I was eligible for remediation, documentation, or account verification. They told me I did not qualify, but offered no documentation, proof of consent, or resolution. I am requesting : - Immediate investigation into both accounts - Copies of signed applications or digital consent records- Removal of any unverifiable or unauthorized accounts from my credit report - Refund of any fees or interest if accounts were opened without full authorization - Confirmation of whether these accounts were reviewed as part of prior Wells Fargo remediation programs I believe this situation is part of the broader Wells Fargo misconduct that affected millions of customers and I request CFPB assistance to resolve this fairly and urgently.

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 monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-04-05 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 2025-04-05 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AP

Complaint narrative:
Account appears to have been deliberately disabled by Equifax sometime around XX/XX/year>. Despite hundreds of hours of attempts and considerable expense, Equifax has done nothing to fix it. As a result they are denying my rights in FCRA and other laws to access to my credit information and corrections for any errors. 

My ID has been sent to them at least two dozen times yet they fail to process any request from me, their own tier 1 support, my states AGs office or anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Credit Karma, LLC
State: SC

Complaint narrative:
Credit karma told me I could get this credit card they offered me it showed I had 100 % approval odds on getting it and they said if I didnt get approved Id be paid XXXX well I applied and got denied raised my concerns right after and they refused to answer my questions or give me my money since I did a hard pull on my credit for nothing

Company response to consumer: Closed with monetary relief