vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-07-21 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:
Two months ago, I legally changed my last name to XXXX following my marriage. I updated all legal documents, including my credit card accounts. While the name change process for my XXXX XXXXXXXX XXXX was smooth, the process for my XXXX XXXX card was delayed and mishandled. 

After multiple calls over several weeks, I was told by XXXX XXXX that they could not reissue a card with my new name due to exhausted digits. I was informed that a new card number would be issued. I made it explicitly clear that I did not want a new account opened and asked multiple times whether this would affect my credit or Social Security number. I was told repeatedly that it would not that it was simply a new card number on the same account. 

However, XXXX closed my original account and opened a new account without my authorization. This action triggered two derogatory marks on my Equifax credit report ( a closed account and a new account ), and my credit score dropped by 6 points. Additionally, XXXX issued a new card in my wifes name without our consent, and both of our cards were nonfunctional for nearly a month declining at stores, unable to be activated, and not usable via XXXX XXXX. 

Ive spoken to more than XXXX XXXX agents over the past two months, most of whom either repeated incorrect information or transferred me to others who were unable to help. Ive requested to speak with a supervisor multiple times and have asked for XXXX to review the recorded calls where I was assured this would not impact my credit but no resolution has been provided. 

I am requesting : 1. A full review of the recorded phone calls to confirm I was misinformed.

2. Immediate correction of my Equifax report and removal of all derogatory marks from this incident. 
3. A refund of the annual fee on my XXXX XXXX card due to the mishandling and lack of access. 
4. Written confirmation that my credit will not be further impacted. 

This was not only an inconvenience but also a clear case of misrepresentation. I did not authorize a new credit account to be opened, and I was misled by XXXX XXXX representatives regarding the credit impact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX XXXX died XX/XX/XXXX. 
His business account ending in XXXX was proven that I was the beneficiary on point of death and the money was transferred to me in XXXX, account XXXX. 
I was advised on XX/XX/XXXX that both accounts were frozen. I visited the bank on XX/XX/XXXX told the accounts were frozen because XXXX XXXX died and a probated will would be required. I explained the management of the business accounts ( Inspira Self Directed IRA ) gave permission for his money to be transferred to me upon death. They insisted. 
I got the will/death probated at a cost of XXXX for attorney, XXXX for county filings and over XXXX in bounce checked fees. 
When I took the letter of testamentary to them, the asked what this was for. I explained it was required by them. They declined saying they don't know what to do with it, but they would make a copy. I called XXXX XXXX, and they said they would remove the hold because they saw no documented details showing why it was frozen. 
I then contacted multiple departments asking for the money that I spent to be returned to me. I was advised the accounts were frozen because of a suspicious wire transfer of money between two accounts. Wells Fargo did the wire transfer per instructions and nothing was suspicious. I believe they didn't know what to do because we had two business accounts with similar names and they were very confused. Rather then look at account numbers they just rattled off a bunch of wrongful information.

I still believe they should refund my money that was spent when it was not needed or legally required in the state of Texas. They had all the proper docmentation.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
i have disputed these accounts many times that are on my credit report and they have not been removed. XXXX XXXX XXXX XXXX XXXX {$4600.00} and XXXX XXXX for {$1800.00} is fraud, the XXXX accounts ( {$320.00}, {$500.00} ) and XXXX ( {$14000.00} ) are older than 7 years and should be removed.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
i have disputed these accounts many times that are on my credit report and they have not been removed. XXXX XXXX XXXX XXXX XXXX {$4600.00} and XXXX XXXX for {$1800.00} is fraud, the XXXX accounts ( {$320.00}, {$500.00} ) and XXXX ( {$14000.00} ) are older than 7 years and should be removed.

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 2025-07-21 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: TX

Complaint narrative:
Subject : Urgent Complaint : Equifax Non-Compliance with Section 605B Mishandling of Fraudulent Account Dispute and Rude Customer Service To Whom It May Concern, On XX/XX/year>, I submitted a dispute to Equifax under Section 605B of the Fair Credit Reporting Act ( FCRA ), requesting the removal of a fraudulent account from my credit file. The account in question is : XXXX XXXX  Account ending in : XXXX Amount : {$7800.00} As of today, XX/XX/year>, this fraudulent account has not been removed, even though Section 605B requires Equifax to block such information within four ( 4 ) business days upon receipt of a proper identity theft report.

To make matters worse, when I contacted Equifax by phone today to follow up, the representative I spoke with was extremely rude, unhelpful, and refused to escalate my concern to a supervisor.

Additionally, I have been directly affected by the Equifax data breach, which exposed my personal information and may have contributed to this identity theft incident. This makes Equifaxs continued mishandling of my case all the more unacceptable.

I am requesting immediate intervention by the CFPB. If Equifax fails to remove this account without further delay, I am prepared to take legal action to enforce my rights under federal law.

Please confirm receipt of this complaint and advise me on the next steps.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account Name : XXXX XXXXXX/XX/XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$26000.00} Account Name : XX/XX/XXXXAccount Number : XXXX Open Date : XX/XX/XXXX Balance : {$220.00} Account Name :XX/XX/XXXXAccount Number : XXXX Open Date : XX/XX/XXXX Balance : {$14000.00} Account Name XX/XX/XXXXAccount Number : XXXX Open Date : XX/XX/XXXX Balance : {$390.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Possible Financial Inc
State: IA

Complaint narrative:
Possible finance emailed my wife and confirmed that I had loans with them. This was something that we had not discussed. ( I dont wan na get into my private life. ) but they confirmed to my wife that I had taken loans with them. 


I am filing this complaint because Possible Finance disclosed details about my personal loan to my spouse without my permission. My spouse emailed the company with a general question, and they responded by stating : This applies to all loans that you and your husband received.

This clearly confirms the existence of my loan account and links it to her, which violates my right to financial privacy under the Gramm-Leach-Bliley Act ( GLBA ). I never gave Possible Finance written or verbal permission to share any information about my account with anyone else.

I consider this a serious breach of my privacy rights, and I am requesting that this be investigated by the appropriate authorities. I have attached a screenshot of the email that includes the unauthorized disclosure.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : 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 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 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 2025-07-21 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: NJ

Complaint narrative:
I was recently traveling and, during that time, I lost my wallet and became a victim of identity theft. As a result, several fraudulent accounts and inquiries appeared on my credit report. I did not authorize or open any of these accounts or inquiries, they do not belong to me and are the result of 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 2025-07-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Chime Financial Inc
State: KS

Complaint narrative:
On the following dates I've requested cards. I've updated my address to XXXX separate addresses and still never received a card. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted multiple notifications and outreach attempts to Equifax regarding a credit reporting issue, specifically on the following dates : XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; and XX/XX/year>. Despite repeated and timely efforts, TransUnion has failed to provide any acknowledgment, response, or corrective action to address my concerns. Their lack of communication and refusal to engage has hindered my ability to restore and maintain accurate credit information. This pattern of disregard has caused unnecessary delays, financial distress, and an erosion of trust. I am requesting the CFPBs assistance in obtaining a resolution and ensuring Equifax upholds its legal obligation to investigate and respond to consumer disputes in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: MI

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXXXXXX 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/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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:
The following accounts are fraudulent and unauthorized. Please remove it from my credit report immediately. 
Bankruptcy 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 XXXXXXXX Please remove this inquiry from my credit report immediately. XXXX XX/XX/year> Please correct and update the late payments on my credit report. 
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 non-monetary relief
Consumer complaint received 2025-07-21 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: OH

Complaint narrative:
On XX/XX/XXXX, I submitted a written credit dispute to TransUnion regarding an auto loan account from XXXX XXXX XXXX XXXX ending in XXXX ). I clearly explained that the account was paid in full and should show a XXXX balance and Closed Paid in Full status. I also requested that they correct the last payment date to XX/XX/XXXX. 

Along with my letter, I provided copies of my government-issued ID and Social Security card to verify my identity. 

However, on XX/XX/XXXX, I received a rejection letter from TransUnion stating they could not process my dispute, without any clear reason. No reinvestigation was conducted, and no result was provided. 

This violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to investigate consumer disputes and ensure the accuracy of reported information. 

I am requesting that TransUnion be required to properly investigate this dispute and either correct the inaccurate data or remove the account if it can not be verified.

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 2025-07-21 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: OH

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: NJ

Complaint narrative:
I ordered a XXXX XXXX around XX/XX/year> from XXXX XXXX XXXX  they sent it to the wrong address the Postal Service worker asked the resident if they knew me and she said no the postal service worker sent it back to XXXX XXXX they did receive the returned tablet .When I called explained what happened the lady on phone said NO Refunds I asked for the owner she advised me shes not there she will Tell me the same thing I said I never received it not my fault I was sent to another address so I called back never got to speak to the owner shes never there so I did a dispute with Direct Express they refunded the {$130.00} them said they investigated and no error was made I did purchase the item sent them copy of where the tracking number was sent back to merchant not from my Address but the wrong address they sent it to claim they dont have that email from me and when I asked what did XXXX XXXX  Tell them when they contacted them they couldnt tell me anything currently XXXX XXXX is out of business and Im Out of {$130.00} Direct Express took it back from me on XX/XX/year>. Direct Express has closed this file

Company response to consumer: Closed with monetary relief