vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: AZ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$200000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$34.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8300.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX XXXX - Account Number : XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$390.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-10 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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:
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 2025-09-10 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: Continental Finance Company, LLC
State: MI

Complaint narrative:
I opened a credit card fall of last year with XXXX XXXX. They have an online payment method. Up until 3 months ago, the payment method worked. However, when I attempted to make the payment it rejected me. When I called I never could get anyone on the line. I filed a dispute with XXXX  but the nonpayment remain. I finally got through today and recorded the call with permission. The representative stated that they dont control their online payment method, it is with a third party. I asked to speak to a supervisor and I was told someone would call back. I also tried to login and wasnt able to. This smacks in the face of fair credit act and is a form of predatory lending by not allowing me to pay and lowering my credit score. I have the recorded call and the pics of the website. The worse part is that the website claims to need to verify my phone number but it was when I called and still got the same message after I called. Please advise if you need a copy of the recorded phone conversation.

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 2025-09-10 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: AZ

Complaint narrative:
A charge-off from XXXX XXXX XXXX is being reported on my credit reports. I previously disputed this item with the credit bureaus and requested verification. The bureaus failed to correct the error or provide valid documentation, and the charge-off remains. This information is inaccurate and harmful to my credit. Under 15 U.S.C. 1681c-2, I request that this item be blocked and removed from my credit reports.

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 2025-09-10 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: FL

Complaint narrative:
Subject : Dispute of Information Under Section 605B Dear Equifax, I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX - {$1800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - $ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX - $ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX- $ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - $ XXXX XXXXXXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX  - XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: NY

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: HI

Complaint narrative:
I am filing a formal complaint regarding a payment dispute with XXXX  concerning a {$430.00} transaction sent to XXXX XXXX. 

On XX/XX/XXXX, I mistakenly sent payment to my friend using my husbands XXXX  account without his knowledge. When he later saw the charge, he reported it as fraud. After we clarified the situation, we contacted XXXX  and confirmed it was not fraud. This led to a back-and-forth dispute process with XXXX. 

XXXX  informed us that the dispute was ruled in our favor and that our account would be credited. However, the handling of this case has been inaccurate : My account was charged on XX/XX/XXXX for the original payment. 
I was charged again on XX/XX/XXXX, after the dispute was already filed. 
I was credited only once, despite being charged twice. 

Based on the ruling in my favor, I should have received two credits to offset both charges. Instead, I have only received one. XXXX  has attempted to shift responsibility by saying this is a banking issue, but this is incorrectthe error clearly lies within XXXX handling of the dispute and credits. 

I am requesting that XXXX  issue the missing {$430.00} credit immediately and confirm in writing when the correction has been made. 


This is the exact breakdown of the situation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-09-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The CBE Group, Inc.
State: IL

Complaint narrative:
Received debt collection notice from CBE group addressed to my old closed business.

Account number, phone number official address of the agency is not varifiable CBE group official site. It Seem to impersonate as collection agency contacted US Dept. Of Treasury.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: SOFI TECHNOLOGIES, INC.
State: MA

Complaint narrative:
In XX/XX/XXXX, I attempted to open a credit/savings account but was denied because someone opened one already using my information. I called SoFi immediately and they opened a ticket and told me that the fraudulent account will be closed and I will get a call back within 24 hours. It is now XX/XX/XXXX, and I have called them at least once a week for an update since. Each time I call, I am told a ticket will be opened to look into my issue. They have opened 3 separate tickets for the same issue - XXXX, XXXX & XXXX. Every time I call, I am told someone will call back with an update within 24 hours. Not once have I received a call back. I called again today - XX/XX/XXXX and a woman told me she can not tell me if there is a secondary profile still opened under my personal information and that I just need to wait to hear back for an update. I asked for an ETA, she said she is unable to provide that. I asked who I will be hearing back from, she told me she can not disclose that information as the department is not tied to a ticketing system.

SoFi did not run a credit report check on my account for the person that opened this account. I have all of my credit reports frozen. SoFi allowed this person to use my SSN to open an account using my maiden name, which is not visible on any of my credit reports. They do not run background checks or the proper verification to vet fraudulent activity and prevent theft from happening to its customers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Complaint Against Bank of America Withholding of Verified ATM Deposit To Whom It May Concern, I am filing this complaint regarding Bank of Americas handling of an ATM cash deposit error. I deposited cash into a Bank of America ATM on Sunday, XX/XX/XXXX and although the machine accepted the cash, the funds were never credited to my account. 

My wife and I immediately contacted the bank and filed a claim. On Wednesday, XX/XX/XXXX, the branch manager confirmed to us that the ATM vendor had already located and accounted for the missing cash. Despite this, Bank of America has still not deposited the funds into my account.

This delay has caused significant hardship : My account is now overdrawn due to the banks failure to credit my deposit.

I have lost wages from missing work while trying to resolve this issue with the bank.

We requested that Bank of America expedite the claim or issue a provisional credit, but they denied our request.

We are deeply frustrated that Bank of America is holding on to funds that they themselves have confirmed are in their possession. If any Bank of America employee were in this situation, they would not be forced to wait several days with an overdrawn account and no access to their own money.

We believe this is a violation of Regulation E ( Electronic Fund Transfer Act ), which requires banks to resolve ATM deposit errors promptly and provide provisional credit if the investigation is not completed quickly. In this case, there is no legitimate reason to delay since the deposit has already been verified.

We request that the CFPB require Bank of America to : 1. Immediately release the deposited funds to my account.

2. Reverse all overdraft or related fees caused by their delay.

3. Review and address the failure to provide provisional credit in compliance with federal law.

Thank you for your 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 monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Issue Description/ What happened : I am filing a complaint against Wells Fargo regarding unauthorized credit card charges that the bank refused to resolve. 
- On XX/XX/year>, I discovered fraudulent transactions totaling {$11000.00} USD on my Wells Fargo credit card. 
- I reported the fraud to Wells Fargo on XX/XX/year>, provided supporting evidence, and followed their instructions.

- Despite this, Wells Fargo denied my dispute and refused to reverse the unauthorized charges.

- This refusal violates my consumer rights under the Fair Credit Billing Act ( FCBA ), which requires card issuers to investigate and resolve billing errors and unauthorized charges within the required time frame.

- Wells Fargos actions also put my credit at risk due to charges I did not authorize.

Consumers Desired Resolution : 1. Immediate reversal of all fraudulent charges, Refund Credit to me.

2. Assurance that my credit report will not be negatively impacted by these fraudulent charges.

Supporting Information : Account type : Wells Fargo credit card Account number ( last 4 digits ) : XXXX Date fraud reported : XXXX Total disputed amount : {$11000.00} USD Copies of transaction records, statements, and prior communications with Wells Fargo available 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 2025-09-10 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: VA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate 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 non-monetary relief