vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX 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 : 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 XXXXXX/XX/XXXX, Balance : {$740.00} 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, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: KS

Complaint narrative:
XXXX response relies on billing statements and a claim that I e-signed an application. These are insufficient under the FCRA and E-SIGN Act. Bank statements only reflect transactions, not proof of authorization. An electronic signature requires an audit trail ( IP address, device ID, timestamp, and consent record ). XXXX has provided none of these. 

My personal identifiers ( email, phone, SSN, DOB ) were compromised in the Equifax and XXXX data breaches. Use of this data in an online application does not prove I applied. 

I submitted both an FTC Identity Theft Report and police report. Under FCRA 605B, the bureaus must block the account within 4 days. Instead, the account was reinserted without the required 5-day notice ( FCRA 611 ( a ) ( 5 ) ( B ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
> To Whom It May Concern, > > I am submitting this complaint regarding an overdraft fee charged by Wells Fargo on XX/XX/year>, which I believe violates fair banking practices and misrepresents account status. 
> > On XX/XX/year>, a {$22.00} transaction was authorized at XXXX. Despite sufficient available funds at the time, Wells Fargo charged a {$35.00} overdraft fee XXXX days later. Screenshots from my mobile banking app clearly show : > > - A positive available balance prior to the fee being applied > - A grace period notice issued on XX/XX/XXXX, stating I had until the next day to deposit funds > - The overdraft fee was charged the same day, nullifying the grace period and resulting in a negative balance > > I contacted Wells Fargo customer service twice. The first representative transferred me without resolution. The second representative refused to escalate the issue and hung up when I requested a supervisor. 
> > This is not a request for a courtesy reversal. It is a formal dispute of a fee that contradicts the banks own system logic and grace period policy. I believe this constitutes an unfair and deceptive practice, in violation of the Dodd-Frank Act and the Electronic Fund Transfer Act ( EFTA ) .

> > I respectfully request that the CFPB investigate this matter and compel Wells Fargo to reverse the fee and review its overdraft timing and notification practices.

> > Sincerely, > XXXX XXXX XXXX XXXX XXXX, CA 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 2025-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: VA

Complaint narrative:
On XX/XX/year>, I attempted to deposit a {$2500.00} check through Cash Apps mobile check deposit feature. Cash App required me to endorse the check by signing it and writing Cash App Deposit on the back. I followed these instructions exactly.

After submitting the deposit multiple times, Cash App rejected the check. Because of the endorsement they required, the check is now restricted and can not be deposited or cashed anywhere else. This has left me with no access to my funds.

I contacted Cash App support several times. They acknowledged that I followed their instructions, but repeatedly told me to try another bank or ask the issuer for a new check. This is not a valid solution, since the endorsement Cash App required prevents any other bank or check-cashing service from accepting it.

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

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

1681c2 ) that you, the Experian 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 XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX CARD Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX BANK XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$570.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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, 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 2025-09-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: GREENSKY OPERATIONS, LLC
State: CA

Complaint narrative:
I financed a solar and HVAC installation through XXXX XXXX XXXX XXXX, with loans arranged by GreenSkyXXXX  Bank and XXXX. The contracts were repeatedly amended with inconsistent and inflated terms, yet I was never provided with complete copies of the loan agreements or proper closing disclosures, despite my repeated written requests. By law, I am entitled to this information, and their refusal to provide it raises serious compliance issues. 

The installation did not match the contract : it specified XXXX inverters, but only XXXX are functioning, and other promised panels are missing. During the sales process, I was told I would receive a {$15000.00} rebate, but in reality it was only a tax credit, which was misleading and materially affected my decision to sign. The primary signer, my grandmother ( DOB : XX/XX/year> ), is a senior citizen, and I believe she was targeted with predatory sales tactics, raising elder financial abuse concerns. 

I have already filed related CFPB complaints ( reference numbers : [ XXXX XXXX ) and submitted evidence packets to the XXXX, but the issues remains unresolved. I am requesting that the lenders and contractor be compelled to provide full documentation, correct the installation to meet contractual obligations, and that the CFPB investigate their sales and lending practices.

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

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 am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any 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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ).

Under Section 15 USC 1681i ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumers dispute. 
XXXX. XXXX & XXXX XXXX XXXX XXXX XXXX XXXX  Provide the description of the procedure of the investigation used to verify this account if you cant delete this account immediately. 
XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) & XXXXXXXX XXXX XXXX XXXX XXXX XXXX Provide the description of the procedure of the investigation used to verify this account if you cant delete this account immediately. 
XXXX. XXXX XXXX & XXXXXXXX XXXX XXXX XXXX XXXX XXXX Provide the description of the procedure of the investigation used to verify this account if you cant delete this account immediately. 
XXXX. XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX  Provide the description of the investigation used to verify this account if you cant delete this account immediately. 
XXXX. XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX  Provide the description of the procedure of the investigation used to verify this account if you cant delete this account immediately. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Provide the description of the procedure of the investigation used to verify this account if you cant delete 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 non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
My bank account was frozen. I found out it was Midland Funding that had went through an entire law suit without me knowing. The debt did not show on my credit report apparently it was almost XXXX XXXX XXXX. I was not served and did not live at the address at the time they said the documents were served. They did not attempt by email or phone and they had no valid ways to contact me until the court case was over. After that suddenly they had the info to draft and freeze my bank and my phone number and email to set up payments that the court ordered. They told me I had no option but to lose the money that was in my bank and to pay the rest through monthly payments in an amount that was XXXX dollars over the original debt or so they say. Lawyers told me there was nothing I could do. XXXX a single mom and this took everything I had saved and continues to take XXXX a month from my bank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Harley Davidson Financial Services Inc
State: AZ

Complaint narrative:
I sold my XXXX XXXX XXXX as I am unable to ride any longer. The new owner made a $ XXXX payment directly over the phone to Harley and I paid the rest on XX/XX/XXXX. To date the new owner has not gotten the lein release. He has the bike, the title a sales agreement but still has not gotten the lein release from Harley. I have called and spoke with XXXX on XX/XX/XXXX who indicated it was mailed on the XXXX of XXXX, then I called and spoke with XXXX on the XXXX of XXXX who once again said it was mailed out a second time. Today I spoke with XXXX which is a supervisor who said they were going to mail it again only certified this time, fax it to the XXXX in XXXX Az and email it to me. I am done playing games and want this resolved TODAY! The buyer is running out of patients and I am sick because of their incompentance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: TX

Complaint narrative:
The company has only provided a copy of a billing statement from the original creditor. This does not constitute proper validation under the Fair Debt Collection Practices Act FDCPA section 809b. A true validation requires meaningful proof, including a signed contract or wet signature, documentation of lawful assignment, and evidence that the collector has a permissible purpose to pursue the debt. 

No such documentation has been produced. National Recovery Agency has not shown any legal ownership of this account or provided evidence that I authorized them to use or report my personal information. Furnishing nothing more than a bill is inadequate and unlawful. 

Continuing to attempt collection and report this debt without providing full validation is deceptive and misleading, which violates FDCPA section 807. It also violates my rights under FDCPA section 809 since collection activity must cease until full validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
On XX/XX/year>, both my wallet and my phone were stolen while my phone was unlocked and logged into my banks mobile app. The thief made an unauthorized {$2500.00} XXXX transfer to a prior recipient and used my debit card at XXXX for additional purchases of about {$2500.00} and {$4000.00}. 

I reported the fraud right away, and later that day, after sorting out what to do about my phone, I returned to the bank to open new accounts. I got a letter stating that the bank denied my claim. Their denial letter said there were inconsistencies. When I called, they stated the transfer was authorized because ( 1 ) my phone appeared to be accessed by Face/Touch ID afterward, and ( 2 ) I had previously sent money to the same recipient. 

I did not authorize or consent to this transaction. 

I requested the device logs, IP/geolocation data, and investigation notes the bank relied on, but I have not received them yet. 

Why am I filing this complaint : The transactions were unauthorized under Regulation E ( 12 CFR 1005.2 ( m ) ), because I did not give actual authority. 

The fact that my stolen phone was used, or that I had sent money to the recipient in the past, does not make this transfer authorized. 

The bank has not provided the documentation yet supporting their denial, despite my request. I have not received the documentation.

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 2025-09-09 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: CORELOGIC INC
State: IL

Complaint narrative:
a fraudulent XXXX XXXX XXXX account was reported through CoreLogic. This account was opened without my knowledge or consent and is the result of identity theft. I have disputed the account multiple times and provided supporting documentation, including an FTC Identity Theft Affidavit, a police report, and prior dispute letters. 

Although the account has been deleted at times, it keeps being reinserted on my credit report without proper verification or notice, which violates the Fair Credit Reporting Act ( FCRA 605B and 611 ). CoreLogic has failed to provide any proof that this account belongs to me or take permanent corrective action. 

I am requesting that CoreLogic permanently delete or block the fraudulent account and prevent any future reinsertion without full FCRA compliance, including written notice and documentation. 
1. Permanently delete or block the fraudulent XXXX XXXX XXXX account from my credit report. 
2. Stop all future reinsertions of this account without full FCRA reinsertion compliance, including providing written notice and verification. 
3. Provide written confirmation that the account has been removed and will not reappear. 
4. Ensure that no negative reporting from this account is shared with other consumer reporting agencies.

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 2025-09-09 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: TN

Complaint narrative:
CFPB Complaint Violation of FCRA XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Re : Complaint Experian Violation of FCRA 605C ( XXXX XXXX  Survivor Relief ) Cfbp Complaint filed on XX/XX/year> Cfbp # : XXXX To Whom It May Concern : I am submitting this complaint because Experian has refused to comply with FCRA 605C ( 15 U.S.C. 1681c3 ), which requires consumer reporting agencies to block adverse information resulting from human trafficking when proper documentation is provided. On XX/XX/year>, I submitted to Experian : - A Victim Determination Letter from the XXXX XXXX Police Department XXXX XXXX XXXX ( a qualifying state law enforcement agency ), and - A signed self-attestation statement. Despite this, Experian rejected my documentation and claimed that the detective who signed my letter was not authorized. This is unlawful, as 605C clearly states that a victim determination issued by a Federal, State, or Tribal governmental entity is sufficient. The CFPBs implementing regulation ( 12 C.F.R. 1022.142 ) confirms that credit bureaus may not reject a victim determination based on who signed it within the qualifying entity. It has now been business days since Experian received my documentation, exceeding the statutory 4-business-day deadline to block the adverse information. I respectfully request that the CFPB : 1. Investigate Experians noncompliance with 605C, 2. Require Experian to block the adverse information immediately, 3. Ensure Experian provides written confirmation of compliance, and 4. Impose enforcement measures to prevent future violations. 

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 explanation
Consumer complaint received 2025-09-09 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 have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc .

continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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