vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I filed a dispute with Cash App on XX/XX/2025 for the amount of {$78.00}. The representative told me 10 days. Then they changed it to 45 days. Now they are stating it may take up to 120 days. I have provided all information requested. Cash App is refusing to issue provisional credit as required under Regulation E when an investigation exceeds 10 business days. Their responses are generic and repetitive, and they closed my support case without resolving my dispute. I am requesting assistance enforcing the Electronic Funds Transfer Act and Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Complaint Summary : I reported fraudulent activity and closed my Wells Fargo credit card ending in XXXX. Approximately 10 days later, Wells Fargo reissued a replacement card to an address in another state that I do not own or control : XXXX XXXX XXXX, XXXX, PA XXXX. I did not authorize any address change or reissue. I requested an address-change lock, verbal passcode, and written confirmation of non-liability, as well as an audit of when/how the address was added. Please assist to ensure Wells Fargo provides remediation and prevents further unauthorized reissues.

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 2025-11-08 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: WI

Complaint narrative:
Dear experian/equifax/XXXX. 
I am a victim of identity theft and unauthorized activity related to a data breach. Pursuant to the Fair Credit Reporting Act 15 USC code 1681c-2 ( section 605B ), I request that you immediately block and remove the fraudulent accounts in my name. I also request that you cease any reporting of these accounts to Equifax and Experian. To support this request, I have included the following documents : 1 A copy of my government issued photo Identification : 2 An identity theft report from the FTC : 3 proof of address. XXXX XXXX  account # XXXX balance {$11000.00}, XXXX XXXX XXXX XXXX account # XXXX balance {$21000.00}. Please confirm the account name, number has been blocked and deleted in ( 4 ) business days, as fraudulent activity violates my rights under FCRA section 605B. If additional information is required contact me promptly. Thank you for your attention to this matter, sincerely XXXX XXXX email : 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 2025-11-08 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: CA

Complaint narrative:
After receiving notice from Equifax that my personal information was compromised in a confirmed data breach, I discovered multiple unauthorized and fraudulent accounts appearing on my credit report. I immediately contacted Experian, TransUnion, and Equifax to dispute these accounts and submitted documentation supporting that these debts were not incurred by me. 

Despite my disputes, all three credit bureaus verified the information without providing any supporting documentation from the furnishers. This failure to properly investigate and validate the accuracy of these accounts violates : 15 USC 1681i ( a ) ( 1 ) : Duty to conduct a reasonable reinvestigation 15 USC 1681e ( b ) : Duty to ensure maximum possible accuracy 15 USC 1681i ( a ) ( 7 ) : Right to a description of verification procedures 15 USC 1692g and 1692e ( 8 ) : Duty of furnishers to validate debts and not report false information The continued reporting of these fraudulent accounts has caused significant harm, including denials of credit, emotional distress, and financial hardship. Experian, TransUnion, and Equifax have failed to comply with federal law by allowing unverifiable and inaccurate information to remain. 

I respectfully request that the CFPB compel the credit bureaus and furnishers to provide full validation of each disputed account or immediately delete them from my credit reports to restore the integrity of my consumer file. 

Unauthorized Accounts Listed Below : XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$7400.00} Date Opened : XXXX INCORRECT ADDRESSES LISTED : XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX INCORRECT NAMES LISTED : 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 2025-11-08 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: CA

Complaint narrative:
After receiving notice from Equifax that my personal information was compromised in a confirmed data breach, I discovered multiple unauthorized and fraudulent accounts appearing on my credit report. I immediately contacted Experian, TransUnion, and Equifax to dispute these accounts and submitted documentation supporting that these debts were not incurred by me. 

Despite my disputes, all three credit bureaus verified the information without providing any supporting documentation from the furnishers. This failure to properly investigate and validate the accuracy of these accounts violates : 15 USC 1681i ( a ) ( 1 ) : Duty to conduct a reasonable reinvestigation 15 USC 1681e ( b ) : Duty to ensure maximum possible accuracy 15 USC 1681i ( a ) ( 7 ) : Right to a description of verification procedures 15 USC 1692g and 1692e ( 8 ) : Duty of furnishers to validate debts and not report false information The continued reporting of these fraudulent accounts has caused significant harm, including denials of credit, emotional distress, and financial hardship. Experian, TransUnion, and Equifax have failed to comply with federal law by allowing unverifiable and inaccurate information to remain. 

I respectfully request that the CFPB compel the credit bureaus and furnishers to provide full validation of each disputed account or immediately delete them from my credit reports to restore the integrity of my consumer file. 

Unauthorized Accounts Listed Below : XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$7400.00} Date Opened : XXXX INCORRECT ADDRESSES LISTED : XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX INCORRECT NAMES LISTED : 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 2025-11-08 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: CA

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate and unverifiable entries on my credit report. Despite my efforts to resolve these issues directly with the creditors, these inaccuracies remain uncorrected, causing undue harm to my creditworthiness and financial stability. 

The following entries are incorrect : Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Not my address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Not my address Accounts with Late Payment or Charge-off status I dispute : XXXX XXXX XXXX Late Payment, {$920.00}, Opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Late Payment, {$5100.00}, Opened XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Chargeoff, {$1200.00}, Opened XX/XX/XXXX XXXX  XXXX Late Payment, {$3500.00}, Opened XX/XX/XXXX XXXX  XXXX Late Payment, {$24000.00}, Opened XX/XX/XXXX XXXXS XXXX Late Payment, {$31000.00}, Opened XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment, {$290000.00}, Opened XX/XX/XXXX I categorically deny the accuracy of these late payment and charge-off notations. I have never been late on these accounts, and some accounts are completely unfamiliar to me. The addresses listed also do not correspond to any of my residences.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable investigation of any disputed information and correct or delete any inaccuracies. These inaccurate entries are misleading, damaging, and violate my rights under federal law.

I request that the CFPB : Investigate these inaccuracies immediately.

Direct the reporting agencies to correct or delete all false information listed above.

Confirm in writing that these corrections or deletions have been completed.

Please consider this a formal complaint, and I expect swift action to ensure my credit report accurately reflects my financial history. I am prepared to provide any further documentation necessary to support my dispute. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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:
Category : Credit Reporting Incorrect information on my credit report Credit inquiry I didnt authorize Complaint Summary : I am filing this complaint because Equifax is reporting an unauthorized hard inquiry from XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) dated XX/XX/year>, which I did not authorize. 

Under the Fair Credit Reporting Act ( FCRA ) 604 ( a ), a credit reporting agency may only release my credit report to entities that have a permissible purpose, such as when I apply for credit or give written consent. I have never applied for credit with XXXX or granted them permission to access my report. 

This inquiry therefore lacks a permissible purpose and constitutes an unauthorized access to my consumer file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. Misleading rewards, constant nights missing, points not tracked, free night on annual fee not posting, horrid customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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 recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I am a verified victim of identity theft and have submitted an official FTC Identity Theft Report ( XX/XX/year> ) confirming multiple fraudulent accounts opened in my name, including XXXX or more accounts with Capital One ( Account ID : XXXX ). 

Despite my providing Capital One with verified identity theft documentation, the company failed to fulfill its obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) and 15 U.S.C. 1681s-2 ( b ) to properly investigate, block, and delete information resulting from identity theft. Instead, Capital One continued reporting inconsistent or fraudulent account activity, and subsequently issued an adverse action letter citing activity inconsistent with typical customer usage. 

This activity originated solely from identity theft and should never have been attributed to me. Capital Ones continued reference to these fraudulent accounts constitutes a violation of my rights under federal law and caused further denial of legitimate credit opportunities. 

Capital One has therefore acted contrary to the FCRA, the Equal Credit Opportunity Act ( 15 U.S.C. 1691 ( d ) ), and the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ) by ( 1 ) failing to protect my nonpublic personal information, ( 2 ) failing to properly reinvestigate and block fraudulent data, and ( 3 ) issuing an improper adverse decision based on information it knewor should have knownwas the result of identity theft. 

I have attached my FTC Identity Theft Report and Capital One Adverse Action Letter as evidence of noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I've sent two different letters having this Midland credit to stop harassing me under the Fair Credit act they refused to do so intimidating me at XXXX and XXXX : XXXX on a Sunday morning as well as everyday I don't owe this money there was a fraud committed to me by the credit card company I pay my bills and because of the incompetent attitude I sent them the document necessary for Bill of exchange I understand that there is no money it is monetary notes which is a Federal reserve Note

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am writing to formally dispute and request the removal or correction of inaccurate and unverifiable information being reported on my credit file regarding the following account : Creditor Name : Capital One Bank USA Account Number ( last XXXX ) : [ XXXX ] Reported Status : Charge-Off / Late Payments ( XXXX ) Reported Balance : {$790.00} Date Opened : XX/XX/XXXX Upon reviewing my credit file, I found multiple inaccuracies and incomplete data that violate the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Credit Billing Act ( 15 U.S.C. 1666 et seq. ). The account is being reported as charged off and past due, yet Capital One has failed to verify or substantiate the accuracy of these late payment notations in compliance with FCRA 623 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

Furthermore, reporting a Charge-Off after the account has been closed and subsequently resold or transferred constitutes double reporting, which misrepresents the true legal status of the debt, a violation upheld in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), where the court ruled that credit bureaus must conduct a reasonable reinvestigation beyond mere verification from the furnisher. 

In XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), the court affirmed that reporting incomplete or misleading data even if technically accurate can violate the FCRA if it creates a materially misleading impression about a consumers creditworthiness. 
Because the creditor and bureau are required to ensure maximum possible accuracy under FCRA 607 ( b ), and no verifiable evidence of lawful delinquency or written notice was provided to me per FCBA 1666 ( a ), I demand the immediate removal or correction of the reported late payments and charge-off status associated with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing in response to the recent decision, denying my claim number XXXX for the unauthorized transaction total XXXX which were posted to my account between XX/XX/XXXX and XXXX  in XX/XX/year>.

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 2025-11-08 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: FL

Complaint narrative:
Unauthorized Hard Inquiry by XXXX XXXXXXXX Violation of FCRA 604 and 607 ( b ) Summary of Facts : On XX/XX/year>, XXXX XXXX XXXX  placed a hard inquiry on my TransUnion and XXXX  files without my authorization, knowledge, or any submitted credit application. 

After filing a CFPB complaint, XXXX XXXX responded on XX/XX/year>, confirming the inquiry and claiming it was valid but offering no documentation proving consent, application ID, or permissible purpose. 
This admission confirms a violation of the Fair Credit Reporting Act ( FCRA ), as the bank is required under 604 to obtain explicit consumer consent before initiating a hard pull. 

By refusing to delete or document the authorization, XXXX XXXX knowingly continues to report an unauthorized inquiry in violation of XXXX ( b ) and 611 ( a ).

Statutory Violations : FCRA 604 ( a ) No permissible purpose for hard inquiry.

FCRA 607 ( b ) Failure to maintain reasonable procedures to ensure accuracy and lawful use.

FCRA 611 ( a ) Failure to conduct a reasonable reinvestigation after dispute. 
12 U.S.C. 5531 ( UDAAP ) Unfair and deceptive practice impacting credit score and consumer rights. 

Evidence Submitted : XXXX XXXX XXXX response letter dated XX/XX/year> ( admitting the inquiry and refusing deletion ). 
XXXX TransUnion and XXXX reports showing the XX/XX/year> hard pull. 
XXXX No application record or authorization provided by 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 2025-11-08 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:
I am writing to formally file a complaint regarding several serious inaccuracies and unauthorized activities reported on my credit file. The reporting by the following creditors is inaccurate and has caused significant concern : XXXX Account XXXX XXXX High Balance : {$340000.00} Date Opened : XX/XX/XXXX Reported Late Payment XXXX Account # XXXX High Balance : {$1000.00} Date Opened : XX/XX/XXXX Reported Late Payment XXXX XXXX XXXX Inquiry on XX/XX/XXXX Issue Description : I have never made late payments on the above accounts. The reported late payments are false, inaccurate, and damaging to my creditworthiness. 

I have no knowledge of the XXXX XXXX XXXX inquiry on the stated date. I believe this inquiry may be unauthorized or inaccurately reported. 

These inaccuracies violate the Fair Credit Reporting Act ( FCRA ), as they constitute misleading and damaging information on my credit report. I request the CFPBs assistance in investigating these matters, and I demand the following actions : Immediate investigation of the accounts and inquiry listed above. 

Correction or deletion of any inaccurate or unverifiable information. 

Confirmation in writing of the actions taken to resolve these errors. 

These errors are unacceptable, and I expect prompt and decisive action to ensure my credit report reflects accurate information. I trust the CFPB will help enforce my rights and hold the responsible parties accountable.

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 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Delete my account due to inaccuracy or remove the late payments.

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