vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XX/XX/XXXXXXXX I opened XXXX checking and savings accounts online The purpose of opening an account is to deposit money, earn interest, and repay credit cards.During the usage period, all regulations were strictly adhered to, and no violations occurred, In XX/XX/XXXX, I applied for a XXXX credit card. During the first year of using the credit card, apart from some daily communication expenses and payments for travel and hotels, there were no violations. 
Since XX/XX/XXXXXXXX XXXX XXXXXXXX has frozen my checking and saving accounts without reason. After communication, the bank requested me to visit the branch in person to prove my identity. I clearly informed them over the phone that I was temporarily unable to do so. Therefore, customer service provided me with a security check number and an email address, asking me to provide relevant information via email. I also uploaded my passport, ITIN, and proof of address as required. However, no one responded. 
In XXXX, Capital One restricted my credit card account and erased my credit card points, approximately XXXXXXXX XXXX, just a month after I had just paid the new annual credit card fee of {$390.00}. 
I communicated with the company again, hoping to be given points and have my annual fee refunded, but I was still rejected. 
I believe Capital One 's behavior is extremely despicable. As a commercial bank, it lacks integrity and has deceived consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: WI

Complaint narrative:
I have a debt collection agency ( Eastern Account System ) trying to collect {$280.00} for an unpaid account with XXXX XXXX in Georgia. I have never had an account with XXXX XXXX. I live in Wisconsin and have lived here for my whole life. I was aware of this collection only by it hitting my credit report. The collection was opened on XX/XX/2025. I have disputed this with the collection agency and was supposed to receive a fraud packet from them which I have not received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am formally disputing fraudulent accounts that have been incorrectly reported on my credit file. I did not open, authorize, or have any connection to these accounts, and their presence misrepresents my financial history. This inaccurate reporting is harmful and unfairly damages my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-09-23 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: AR

Complaint narrative:
I am disputing the presence of unauthorized and inaccurate accounts on my credit file. I never opened or authorized these accounts, and I was not notified of their addition. To make matters worse, the details are being reported inconsistently across all three bureaus, which violates 15 U.S.C. 1681e ( b ) of the FCRA requiring credit bureaus to report only accurate information.

This also violates 15 U.S.C. 1681i, which requires disputed information to be investigated and corrected or deleted within 30 days, as well as 15 U.S.C. 1681g, which requires credit bureaus to provide full and accurate disclosures.

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 2025-09-23 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: CA

Complaint narrative:
I deny any connection to these accounts ; they must be cleared within 15 days as stated in USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have XXXX involvement with these accounts ; they need to be removed within 15 days per USC 1681g.

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 2025-09-23 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: PA

Complaint narrative:
I am writing to formally dispute the accuracy of the XXXX XXXX XXXX XXXX account, # XXXX, as reported on my Experian credit file dated XX/XX/scrub>XXXX XXXX 

This account is being reported in a manner that is both inaccurate and misleading : 1. The account is marked Closed, yet it simultaneously reflects a past due balance of {$120.00}. A closed account can not remain past due ; it must be reported as paid, settled, charged-off, or transferred.

2. The reported balance of {$530.00} exceeds the listed credit limit of {$300.00}. This suggests excessive or inaccurate fees/interest beyond contractual terms, which may constitute unfair reporting. 
3. Payment history shows months where the account is reported as both current and late simultaneously. This is contradictory and violates accuracy requirements. 
4. The status is updated as of XX/XX/year>, yet the last payment date was XX/XX/scrub>XXXX XXXX  Negative updates with no activity constitute improper re-aging under the Fair Credit Reporting Act. 

Applicable Law 15 USC 1681i ( FCRA ) : Requires consumer reporting agencies to reinvestigate disputed information and delete or correct anything found to be inaccurate, incomplete, or unverifiable. 
15 USC 1681e ( b ) : Requires Experian to maintain maximum possible accuracy in consumer credit files. Reporting conflicting statuses and balances violates this provision.

15 USC 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits furnishers ( XXXX XXXX XXXX XXXX ) from reporting information they know or should know is inaccurate.

15 USC 1666b : Requires timely crediting of payments. If payments were received before the due date, they can not be legally reported as late.

My Request 1. Delete this account entirely from my credit report due to its conflicting, inaccurate, and unverifiable reporting.

2. Provide me with written confirmation of the reinvestigation results within 30 days, including the data source ( s ) used to verify this account.

3. Ensure no unverifiable or contradictory information continues to be furnished regarding this account.

Failure to comply will result in complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals office, as provided by federal law.

This is my formal notice to enforce my rights under the Fair Credit Reporting Act and Truth in Lending Act.

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 2025-09-23 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Wells Fargo regarding their mishandling of my recent claim for unauthorized transactions on my account. The process has been unreasonably burdensome, unprofessional, and has caused me significant financial and emotional hardship. 
I filed a claim with Wells Fargo regarding unauthorized transactions. Wells Fargo denied my claim on the basis that the incorrect documentation had been provided. After being made aware of this, I promptly submitted the correct documents and filed an appeal within the required timeframe. Despite this, my appeal was also denied without sufficient explanation or justification. 

Throughout this process, I have experienced severe difficulties in communicating with Wells Fargo : Twice now I have been on hold for over twenty minutes only to be hung up on when attempting to reach the claims department by phone. 

Emails are not responded to in a timely manner ; replies often take several days. 

No representative has provided me with a clear explanation or the opportunity to properly address the issues raised in my claim. 


The unauthorized transactions in question have caused me serious financial hardship. Instead of assisting me, Wells Fargo has failed to exercise transparency, accountability, or good faith in handling my claim. 

I am formally requesting that Wells Fargo be required to provide : 1. A full explanation of the basis for denying both my original claim and my subsequent appeal.

2. Copies of all documents, records, and internal notes relied upon in reaching their decisions.

3. A thorough review of my claim by a neutral party.

For your review, I am attaching the documents that I submitted to Wells Fargo in support of my claim. These demonstrate that I complied with their documentation requirements, yet my claim and appeal were still improperly denied.

I believe Wells Fargo has acted in bad faith and failed to comply with consumer protection standards. I am requesting the CFPB to investigate this matter, ensure that I am provided with the documentation used in the denial decisions, and hold Wells Fargo accountable for their mishandling of my claim. 

Thank you for your time and attention to this matter. Please do not hesitate to contact me should you require additional information or documentation from my end.

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 2025-09-23 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: NC

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 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 2025-09-23 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: CA

Complaint narrative:
I am reaching out again because of the damaging and inaccurate reporting of certain charged-off accounts on my credit file. These entries are not only misleading but also unverifiable, and as such, they are causing significant harm to my creditworthiness. 
Specifically, I am disputing the reporting oXXXX XXXX XXXX XXXXXXXX with a reported balance of {$760.00} and XXXX XXXX XXXX with a reported balance of {$3200.00}. XXXX XXXX with a reported balance of {$1400.00} After carefully reviewing my records, I found that neither of these accounts has been substantiated with an IRS Form 1099-C, despite both balances being above the {$600.00} threshold where such documentation is required if the debt was canceled or forgiven. Without this form, the accounts remain unverifiable, making their continued reporting inaccurate and unlawful. 
The Fair Credit Reporting Act ( FCRA ) clearly outlines my rights as a consumer. Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], consumer reporting agencies must ensure maximum possible accuracy in reporting. Allowing accounts with inconsistent or unverifiable information to remain on my credit file does not meet this standard. Furthermore, FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] requires the deletion of any item that can not be verified during a reinvestigation. The lack of a 1099-C and the absence of reliable supporting records render these accounts unverifiable.

Additionally, under 605B / 15 U.S.C. 1681c-2, I have the right to request the permanent removal of information that can not be verified or that may have been the result of inaccurate reporting. The continued listing of these charged-off accounts without proper verification constitutes a violation of this provision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am submitting to formally dispute several inaccuracies related to billing errors on my credit report. Upon reviewing my report, I noticed information that does not accurately reflect my payment history. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1666, which provides consumers the right to dispute and correct billing errors, and I request a thorough reinvestigation of the following account. 
XXXX 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 non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This is a formal dispute regarding accounts listed on my credit report that are fraudulent. I had no involvement with these accounts and did not authorize their creation. Their presence is false, misleading, and damaging to my credit profile.

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 2025-09-23 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: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
Ive never had a XXXX  XXXX credit card. Disputes have been placed information has been requested no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing the fraudulent accounts that are currently listed under my credit history. These accounts are not mine, were never authorized by me, and have no legitimate connection to my financial activities. Their continued reporting constitutes an error that creates harm to my credit standing and credibility.

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 2025-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FIRST HOME MORTGAGE CORPORATION
State: DC

Complaint narrative:
My mortgage has been reported as a foreclosure yet Ive been making payments. The loan was sold and I was not notified at all. I found out when trying to make a western union complaint. I started loss mitigation and was promised the months unpaid would be moved to the end of the loan. Now Im being told 14 years are being added to the loan for the modification. I experienced difficulty due to my mother being XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The mortgage company lost payments, said payments used the wrong account number when theyve had my same routing and account number for over XXXX years. They lied many times throughout loss mitigation. I was promised that my crediting reporting and account would be shown as current by XX/XX/XXXX. Today, I still have not had this resolved. I was told NOT to pay until the loss mitigation was complete yet my crediting reporting report shows the home as foreclosed for months!!! 

I made a payment because I dont trust first home and it was never applied to anything. Today I was told that the payment is in suspense to be deducted from total past due. Today I was also told : Corrected bank account numbers are fixed Established trial plan was never broken Trial plan approved Next steps to get docs ordered and sent out to me Docs will be Sent via XXXX in 10 days and next payment is due XXXX XX/XX/XXXX. How is this possible when I dont have the loss mitigation papers?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: WA

Complaint narrative:
Ive tried to send XXXX  to my wallet through Robinhood. Ive bought XXXX XXXX and they restricted my account for an unknown reason. Im trying to send my XXXX  to my wallet so I can use that as capital to day trade on trade break. Robinhood claims to get back to me but never did. My XXXX  is stuck and Im out of extra capital to use for gains. Many people have had this problem before, and I need access to sending my XXXX  asap.

Company response to consumer: Closed with explanation