vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 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: FL

Complaint narrative:
I am writing to dispute an account that is being reported on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) pursuant to XXXX XXXX XXXXXXXX. Therefore, I respectfully request that this information be blocked or deleted immediately. 

I am enclosing a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC ), FTC REPORT NUMBER : XXXX, as supporting evidence for my claim. 

According to XXXX XXXX. XXXX, once a consumer submits an identity theft report, credit reporting agencies are legally required to block any information identified by the consumer as resulting from such identity theft within XXXX ( XXXX ) business days. 

The following information in my credit file is the result of a clear FCRA violation and must be XXXX immediately : XXXX XXXX XXXX / Account Number : XXXX FST PREMIER / Account Number : XXXX Additionally, XXXX XXXX  XXXX, which states that a credit reporting agency may not include information in a consumers file unless there is a valid authorization or permissible purpose. I never authorized the opening or reporting of this account, and there is no signed contract or consent from me that justifies its inclusion in my credit report. 

Therefore, the continued presence of this account constitutes not only a result of identity theft but also the unauthorized use and disclosure of my personal information, in direct violation of the FCRAs requirements. 

In accordance with XXXX XXXX. XXXX and XXXX, I respectfully request that this account be blocked and deleted immediately from my credit report and that it no longer be reported in any manner. 

I have contacted Equifax on multiple occasions to report this account, but I have yet to receive a clear or definitive resolution to this matter. This situation is causing me serious harm, as I am in the process of purchasing a new home for my children and seeking financial tools to support my economic growth. These negative accounts are blocking my opportunities and causing both personal and financial damage. 

Furthermore, this account has already been deleted by other credit XXXX, as they were unable to verify it under the procedures required by law. I do not understand why this agency continues to report this account on my credit file. 

I have also requested copies of any contracts related to this account from the company reporting it, and after more than XXXX  days, I have not received a single response. This further supports the fact that there is no verifiable evidence or legal basis for continuing to report this information. 

I respectfully request that you assist me by removing this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: GA

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 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 List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX NA - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 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 2025-07-31 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: TX

Complaint narrative:
I am filing this complaint regarding inaccurate and unauthorized entries on my Experian credit report. These include identity theft-related accounts, inaccurate personal information, and unauthorized inquiries. 

Unauthorized Inquiry ( FCRA XXXX, XXXX ) : XXXX Inaccurate Personal Information ( FCRA XXXX ) : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX or Unverifiable Accounts ( FCRA XXXX, XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This dispute is being submitted directly by me. I have not authorized or hired any credit repair agency. I am a confirmed victim of the XXXX XXXX XXXX XXXX. Under my rights in the Fair Credit Reporting Act ( XXXX XXXX ), I demand a proper reinvestigation and immediate deletion of all unverifiable or inaccurate items.

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 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be XXXX and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
I am writing to formally dispute a debt that appears on my credit report, which I believe is the result of identity theft. I did not open this account, nor did I authorize anyone to do so on my behalf. I XXXX became aware of the fraudulent account/debt when I reviewed my credit report from XXXX, and I have since taken steps to report the identity theft. I am requesting that this fraudulent account be removed from my credit report and that the associated inquiry be deleted as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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:
Wells Fargo unfairly denied a claim for unauthorized debit card charges. On XX/XX/year>, my Wells Fargo debit card was used to make unauthorized purchases totaling {$500.00} from XXXX. I immediately called Wells Fargo and filed a claim.The reason I noticed was because of the large amount and my card declining from my balance being at XXXX XXXX Upon checking my transaction list there was over XXXX transactions from the same merchant dating back to XX/XX/year> totaling XXXX XXXX I lost my phone with my debit card in the XXXX XXXX around the same time these charges started happening. I suspect someone had access to my debit card from my phone to make charges on my account for the past month without my knowledge. I filed a police report on XX/XX/year>. The claim was denied on XX/XX/year> after a seemingly rushed investigation. Wells Fargo 's denial stated there was no error found which is believed to be inaccurate. This is an apparent case of identity theft, and the denial does not reflect a fair investigation. The claim number/ police report and additional evidence are available upon request. Wells Fargo has a XXXX $ unauthorized transaction liability.

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 2025-07-31 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: CA

Complaint narrative:
I am the victim of identity theft. The following fraudulent accounts have appeared on my credit reports without my knowledge, authorization, or consent : XXXX. XXXX XXXX / XXXX XXXX Account # : XXXX Opened : XX/XX/XXXX Charged-Off {$1200.00} XXXX. XXXX / XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Opened : XXXX XXXX, XXXX Written Off {$800.00} XXXX. XXXX / XXXX Account # : XXXX Opened : XX/XX/XXXX Written Off {$3400.00} XXXX. XXXX XXXX XXXX XXXX Account # : XXXX Opened : XX/XX/XXXX Closed with Late Payments {$370.00} XXXX. XXXX XXXX  Account # : XXXX Opened : XX/XX/XXXX Charged-Off {$1000.00} XXXX. XXXX XXXX XXXX XXXX Account # : XXXX Opened : XX/XX/XXXX Closed with Late Payments {$520.00} These accounts were not opened by me, nor did I receive any benefit from them. I have submitted a police report, identity theft affidavit, and supporting documentation to each credit XXXX under FCRA XXXX XXXX, requesting immediate blocking and removal. 

Additionally, numerous unauthorized hard inquiries tied to this identity theft event remain on my credit reports. I did not initiate or authorize these applications, and I request their removal under FCRA 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
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute an account that is being reported on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) pursuant to XXXX XXXX. XXXX. Therefore, I respectfully request that this information be blocked or deleted immediately. 

I am enclosing a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC ), FTC REPORT NUMBER : XXXX, as supporting evidence for my claim. 

According to XXXX XXXX. XXXX, once a consumer submits an identity theft report, credit reporting agencies are legally required to XXXX any information identified by the consumer as resulting from such identity theft within XXXX ( XXXX ) business days. 

The following information in my credit file is the result of a clear FCRA violation and must be blocked immediately : XXXX XXXX / Account Number : XXXX Additionally, XXXX XXXX. XXXX, which states that a credit reporting agency may not include information in a consumers file unless there is a valid authorization or permissible purpose. I never authorized the opening or reporting of this account, and there is no signed contract or consent from me that justifies its inclusion in my credit report. 

Therefore, the continued presence of this account constitutes not only a result of identity theft but also the unauthorized use and disclosure of my personal information, in direct violation of the FCRAs requirements. 

In accordance with XXXX XXXX. XXXX and XXXX, I respectfully request that this account be blocked and deleted immediately from my credit report and that it no longer be reported in any manner. 

I have contacted TransUnion on multiple occasions to report this account, but I have yet to receive a clear or definitive resolution to this matter. This situation is causing me serious harm, as I am in the process of purchasing a new home for my children and seeking financial tools to support my economic growth. These negative accounts are blocking my opportunities and causing both personal and financial damage. 

Furthermore, this account has already been deleted by other credit bureaus, as they were unable to verify it under the procedures required by law. I do not understand why this agency continues to report this account on my credit file. 

I have also requested copies of any contracts related to this account from the company reporting it, and after more than XXXX days, I have not received a single response. This further supports the fact that there is no verifiable evidence or legal basis for continuing to report this information. 

I respectfully request that you assist me by removing this account immediately.

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 2025-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP
State: AZ

Complaint narrative:
US Bank is acting irregularly by carrying out procedures that are then charged to the XXXX  as a requirement. On XX/XX/XXXX, the closing took place on my home at XXXX XXXX XXXX XXXX in XXXX, Arizona. A mandatory insurance policy was required for said closing. According to this, we requested prices and acquired said policy, giving me peace of mind, everything was within normal limits. On XX/XX/XXXX, I received a notification that I did not have an active policy and that I should send verification of it. XXXX weeks later, I received a second, identical notification and contacted my agent, who told me that the policy was canceled and I should activate another XXXX. I immediately activated another policy dated XXXX and sent the receipt to the bank. Yesterday, I received a letter notifying me of a charge of {$700.00}. corresponding to a policy that they are charging me for after this period passed, which is more than XXXX percent of the price of my XXXX-year policy, and which was also not standardized in any of the previous letters and which would be charged retroactively after the period in question.

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 2025-07-31 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: MI

Complaint narrative:
I noticed that I had to negative accounts that was tarnishing my credit report and XXXX. According to XXXX XXXX. XXXX there shouldnt be any damages on my credit report its a defamation of my character.

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 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be XXXX and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
XX/XX/XXXX I contacted a construction company ( I confirmed address and phone number online multiple ways so they appeared legit ) that I found through an add on XXXX selling a rebuilt XXXX XXXX XXXX RV. I signed a purchase agreement ( which I have ). They were supposed to ship it to me after submitting a wire transfer. I contacted my bank early XX/XX/XXXX and asked if I could put in a dispute for the funds if I did not receive the item. They said yes. At no time did they say wire transfers were pretty much final. I put through a wire transfer in the amount of {$9900.00} with a {$25.00} fee. I received a confirmation email of the order. I checked online to see a receipt date of XX/XX/XXXX. I contacted the phone number XX/XX/XXXX and told them I would not be free that day so we needed to change it. They said I would be receiving a call from logistics. The following day, the number went to a message saying that it could not receive calls from my area. I went to their webpage caseconstructequip.com and the item is still there, address and phone number are the same, but they would not answer. We tried from multiple phones. On XX/XX/XXXX I contacted my bank to dispute the charge and was told the recipient bank said the funds were already withdrawn so they were unable to help. I submitted a complaint through the XXXX XX/XX/XXXX and was told that Wells Fargo ( my bank ) did not feel they were in the wrong as they did say I could dispute it ( which I did ) but they never promised to give my money back, so their insurance would not cover a transaction like this ( XX/XX/XXXX ). I have XXXX FTC complaints ( XXXX and XXXX ) both filed XX/XX/XXXX but it isn't an active investigation. I also filed a complaint with the XXXX XX/XX/XXXX but no response other than the filing. I have since seen the same item on the website for ruralagriatechequipment.com. I called their phone number and they know nothing about this, they claim to 'have ' the item but my agreement was not with them. They have since XXXX my number also. I originally dealt with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX, however the wire transfer was to XXXX XXXX XXXX XXXX sent to XXXX XXXX XXXX ( same address and phone number ). Names included on the purchase agreement include XXXX XXXX, email address XXXX ( XXXX equipment is at the same location ) XXXX XXXX XXXX The XXXX XXXXddress used for them to sign the document was 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 2025-07-31 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: FL

Complaint narrative:
I am reporting several inaccurate and unverifiable accouts harming my credit Below. I will list the account names and numbers. please investigate and take action under the fair credit reporting act FCRA. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am reporting multiple mishandled fraud and billing disputes by Bank of America on my account ending in XXXX. I was told I would receive temporary credits while claims were under review, but that never occurred. 
Instead, several claims were closed, then reopened without my knowledge or consent. 
Claims that I did request to reopen were either ignored or incorrectly filed on my behalf. 
At no point was I given the opportunity to provide my documentation to support my claims. My evidence was never requested or reviewed. Bank of America acted without my authorization and closed my account while my disputes were still unresolved. 
Here are the impacted claims : Claim ID XXXX - {$3000.00} Claim ID XXXX {$130.00} Claim ID XXXX / XXXX - {$280.00} Claim ID XXXX {$560.00} Claim ID XXXX {$2400.00} Total unresolved claims : {$6400.00} My account was closed during the claims process, violating my rights under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.

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