vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 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: GA

Complaint narrative:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6300.00} XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$890.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3700.00}

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 2025-06-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Nationwide Capital Services, LLC
State: OH

Complaint narrative:
I work with XXXX XXXX XXXX for debt and told the creditor I was working with them they called again today and told me I was a liar that XXXX is not working with me and that I am the person who needs to handle it as I owe {$2200.00}

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 2025-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
On XX/XX/year>, I received a letter from Midland Credit Management attempting to collect a debt that I did not authorize or recognize. This debt is the result of identity theft, and I have never entered into any agreement or transaction with Midland Credit Management. 

The letter contained threatening and coercive language, including false implications that I could face criminal charges or jail time if the alleged debt was not paid. These threats are entirely unlawful and in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Violated Consumer Protection Laws : 15 U.S.C. 1692e ( 4 ) & ( 5 ) Prohibits debt collectors from falsely threatening arrest or legal action that is not intended or legally permissible.

15 U.S.C. 1692d Prohibits the use of harassment, oppression, or abuse in connection with debt collection.

15 U.S.C. 1692g Requires debt collectors to validate the debt upon request ; no such validation has been received.

15 U.S.C. 1681c-2 ( FCRA Section 605B ) Requires the blocking of information resulting from identity theft when the consumer submits a valid identity theft report and supporting documentation.

I have already submitted my Identity Theft Report, a copy of my government-issued ID, and proof of address in prior disputes. Midland Credit Management is in violation of these statutes by continuing to pursue fraudulent debt and issuing threats of criminal consequences.

Requested Resolution : Immediate and permanent deletion of this fraudulent account from all credit reporting agencies.

Immediate cessation of all collection efforts and threats from Midland Credit Management.

Written confirmation that the account has been removed and no further contact will be made.

Acknowledgement of the legal violations and confirmation of corrective action by the company.

Full resolution and written notification within 15 calendar days, pursuant to FCRA Section 605B.

If Midland Credit Management does not comply with federal law, I am prepared to escalate this matter with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am a victim of identity theft and mobile SIM hijacking. On XX/XX/year>, my mobile number ( XXXX ) was fraudulently transferred to another device through my carrier ( XXXX XXXX ), allowing the criminal to receive banking verification codes and reset my Wells Fargo online banking credentials. 

While still unaware of the identity theft, I visited my local Wells Fargo branch in person to report a sudden phone outage and suspicious activity. I stayed in the branch for over two hours requesting help to freeze my account, debit card, and online access. Despite explaining the urgency, I was misinformed by branch employees who told me everything was secured. 

However, while I was still inside the branch, I received email notifications that my Wells Fargo account had been added to XXXX XXXX and unauthorized transactions started appearing from services like XXXX and XXXXXXXX XXXX. I tried contacting customer service, but they hung up twice and did not take proper action. 

I immediately submitted a police report and filed an identity theft report through identitytheft.gov. I also submitted these documents to Wells Fargo, but my claim was rejected on the basis that my PIN was used which is not accurate, as the transactions were done via mobile wallet, not physical card usage. 

I am requesting that Wells Fargo review the security camera footage from the branch on * * XX/XX/year> * *, to verify that I was physically present before any unauthorized transactions occurred. This proves I did not initiate the fraudulent transfers. 

Their delay and misinformation directly enabled the theft. I am asking for this claim to be * * reopened * *, properly reviewed with all documents I submitted, and for my stolen funds to be returned. 

I have already submitted : - Police Report - Identity Theft Report - Confirmation from my carrieXXXX that the phone number was used in a scam and permanently deactivated This issue has caused me financial and emotional distress, and I am seeking fair resolution.

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 2025-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Card Acquisitions Group
State: SD

Complaint narrative:
I got a email from my XXXX XXXX app and it stated I had a new negative account to my XXXX credit report. 
I checked my report and this got added to my account without my knowledge or my right to validate the debt.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Opportunity Financial, LLC
State: MO

Complaint narrative:
I have documents on my credit report that show I have 0 % left to pay on this loan. I can upload it. This is a third party who does not have the correct information at all. I have never lived at this address that is on this report. 

Oppity fin this account was closed XX/XX/year>, however this company who is a third party continues to email me and send me text messages, and I have never given them permission to my information. They are falsely representing themselves as the original debtors.

the third-party name is OPP loans I have never had a loan with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Despite repeated attempts to resolve these matters, Experian continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. Every time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. 

Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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:
I am writing you about the compromising of my social security number due to the Equifax Data breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth. The information listed below, which appears on my Transunion redit report, does not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 10.

DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX 11.

DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX 12. DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX 13.

DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX 14.

DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX 15.

DEPTEDXXXX XXXXXXXX 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 2025-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I recently got married and I am in the process of changing my last name. On Monday XX/XX/XXXX, I placed a call to the CITI XXXX XXXX XXXX CITI Thank You Preferred credit company ( both credit cards are the same company ) to start the process of the name change. I was told that because my full legal name has too many characters that they can not change my name anywhere in their system. They informed me that they have no option in there entire computer system to place a note stating my full legal name. This can lead to many future financial issues ( fraud, identity theft. ) if my name is not somewhere in their system. I am also informing social media of this issue to protect others from this company.

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This morning, I was extremely frustrated to see an unauthorized inquiry suddenly appear on my credit report. I check it regularly and never expected such a discrepancy. I even refreshed the page thinking it was a glitch, but nothing changed. I need this to be resolved immediately and ask that the documents I submitted be carefully reviewed to avoid any future stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
According to 15 USC 1681 I have the right to dispute inaccurate and unverifiable information thats on my Credit Report. I disputed multiple times with credit bureaus and its back as updated and verified without a proper investigation. The company failed to send me any of the information I requested even with other complaints they never sent verification of debt, the original contract bearing my signature and explanation of amount and how it was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$540.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
This is my fourth request for details of the procedure you followed when investigating.I sent you a several request for these accounts that I found fraudulent, but you didn\'t look into them all. You know, I researched the legislation and my consumer rights, and the Fair Credit Reporting Act states that a consumer has the right to ask for an explanation of the process used to determine the accuracy and completeness of disputed information. Additionally, it specifies that the credit bureau must respond to the consumer\ 's request for a report of such investigations within 15 days. Where is it? 
XXXX XXXX - XXXX - How are you reporting late payments if I am protected by the Cares Act - Please Update to Never Late SXXXX XXXX XXXXXXXX - How are you reporting late payments if I am protected by the Cares Act - Please Update to Never Late XXXX XXXX XXXX XXXXXXXX - How are you reporting late payments if I am protected by the Cares Act - Please Update to Never Late XXXX XXXX XXXX XXXX XXXXXXXX - How are you reporting late payments if I am protected by the Cares Act - Please Update to Never Late XXXX XXXX XXXX XXXX XXXX XXXX XXXX How are you reporting late payments if I am protected by the Cares Act - Please Update to Never Late

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XX/XX/year>, I entered into a real estate contract for {$43000.00} and attempted to wire escrow funds through Bank of America. On XX/XX/XXXX, I provided wire instructions and was assisted by a banker who confirmed my funds. On XX/XX/XXXX, another banker ( XXXX XXXX ) failed to complete the required verification step with the title company, which caused the wire to stall and never send. 

I followed up with branch visits, voicemails, and emails. On a third visit, a banker named XXXX confirmed on audio recording that the wire never went through and that verification wasnt completed. 

As a result, my real estate contract was canceled on XX/XX/year>. I issued a formal demand letter to Bank of America on XX/XX/year>, requesting {$93000.00} in compensation for the lost deal and related damages. Their response was a generic template email, with no accountability or resolution. 

I am submitting this complaint to request CFPB investigation and formal financial remedy.

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 2025-06-11 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: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX XXXX Subject : Dispute of Unauthorized Accounts Dear, Transunion I am writing to formally dispute the following accounts listed on my credit report, as I have not authorized these accounts to be opened in my name. According to the Fair Credit Reporting Act ( FCRA ) Section 605B and 1681c-2, I have the right to dispute any inaccuracies on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I request that you investigate these accounts and remove them from my credit report, as they are not authorized by me. Please provide me with a written response regarding the outcome of your investigation. 

Enclosed are copies of my identification and any relevant documents that support my claim. I appreciate your prompt attention to this matter. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: MA

Complaint narrative:
I was locked out of my federal student loan account after it was transferred to XXXX I used the password reset tool multiple times, tried different devices and browsers, and called customer service at least twice with no resolution.

Despite my inability to access my loan information, my account was reported to credit bureaus and now shows derogatory marks. This is a result of XXXX servicing failure, and not my negligence. I believe this may also violate my rights under FERPA and the Fair Credit Reporting Act. I was only able to regain access to my account on XX/XX/year> after getting in contact with a XXXX representative. Previously, I was unable to reach a human representative when I contacted the company by phone. This is more than 220 days after my initial payment date of XX/XX/year>. Please note that XXXX is currently under federal investigation for widespread servicing failures, and I believe I am a victim of such failure ( s ), and I am demanding resolution and edits be made to my credit reports. 

I am requesting immediate correction or removal of any negative reporting during this period, restoration of account access, and a written response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation