vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
I am writing to report ongoing issues accessing and managing my credit monitoring account through TransUnion. Each time I attempt to log in to my account, I experience errors and lockouts that require calling customer servicesometimes waiting over an hourto get basic assistance ; this is unacceptable.

Most recently, on Saturday XX/XX/year> @ around XXXX EST, it took me more than 1.5 hours just to temporarily lift a credit freeze, and I was only able to do so after speaking with a representative. The online platform is unreliable, and the login/reset process is frustrating and inefficient, disabling me from logging in at all, even when I reset my password. After spending 1.5 hours on the phone with them, I still can not log into my own account. I do not get the one time passcode to either my email address or my cellphone and I end up stuck in limbo.

I rely on credit freezes to protect against identity theft, and TransUnions system makes it nearly impossible to manage my freeze without a major time commitment and stress. This is not sustainable and puts consumers at unnecessary risk. My credit is frozen because my husband 's identity was stolen and my own identification was involved. I can not have my credit open and this persistent issue
with Transunion makes it nearly impossible for me to manage my credit in the event I need to apply for a loan, credit card, etc. I'm essentially held hostage to their hours and having them unfreeze my credit for me.

For references, I was able to place a temporary thaw on my credit, through both XXXX  and XXXX, in less than 45 combined seconds, for both sites. This is the kind of user experience I would expect from a major credit reporting company. However, even if it took a cumbersome 10-15 minutes to reset my password for Transunion each time I log in, I would be content to deal with that kind of inconvenience, so long as I was able to do what I need. That is not the case, I am still unable to access my account and was only able to thaw my credit because the customer service person did it for me.

I am requesting that TransUnion address the usability issues with its website and provide accessible, reliable options for managing credit freezes. I would also like a direct resolution to ensure I can consistently access my account going forward. I can not conduct business, either personally or professionally, if I can not have access to my own user credit. Please help me resolve this very serious financial issue.

Thank you for your assistance. 

With hope, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
A representative from Wells Fargo 's executive office called me in response to this complaint. I tried calling back and left messages, but due to a personal emergency ( my father is in the hospital ), I missed the follow-up call. Ive tried reaching out again, but they havent responded yet. I still want to resolve this and would appreciate your help keeping the case open until I can speak with them. 

They claim to " have responded '' but when I tried to call back " XXXX XXXX '' he would never respond. His number is XXXX. Again the company claims to have responded and called me but it never happened to where we could have a conversation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: TX

Complaint narrative:
Dear Equifax, I am a victim of identity theft and unauthorized activity related to a data breach. Pursuant to the Fair Credit Reporting Act 15 U.S. Code 1681c-2 ( Section 605B ), I request that you immediately block and delete the fraudulent account in my name. I also request that you cease any reporting of these account to credit bureaus Equifax, Experian and TransUnion. To support this request, I have included the following documents : 1. A copy of my government-issued ID. 2. An Identity Theft Report from the FTC .3. Proof of addressAccount Name XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Please confirm the account name, account number has been blocked and deleted within XXXX ( XXXX ) 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 XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Klarna AB
State: FL

Complaint narrative:
On XX/XX/year>, I applied for credit from Klarna ( XXXX ) to pay my XXXX XXXX XXXX cell phone bill. I was approved and I paid Klarna the requested amount to pay my bill. The second payment to Klarna was late so Klarna reversed the claim in XXXX. XXXX XXXX XXXX suspended my service and I had to pay the bill myself because Klarna reversed the claim ... Klarna cancelled the credit card so I had to pay the bill for XX/XX/year> myself to restore my cell phone service. Klarna has been trying to pull monies from my accounts to pay for this bill I had to pay myself. I've requested my refund which they refuse to acknowledge. I'm reporting this scam to you in hopes that I get my money back and notify you of Klarna 's unethical practices. You can't call or email anyone ... When their representatives call, they lack knowledge and professionalism. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: FL

Complaint narrative:
I received an email from Capital One on XX/XX/2025 regarding a new XXXX XXXX that was shipped to arrive by XX/XX/2025. I had not applied or ordered this new card, so i called Capital One on XX/XX/2025 to report this potential fraud. Capital One initiated an identity fraud investigation and removed this Capital One Savor account from my credit file. Capital One found this account to be fraudulent and I was not held responsible. I am reporting this incident as an identity fraud case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: LA

Complaint narrative:
I am writing in regard to my account with the XXXX XXXX XXXX. First and foremost, I want to express my appreciation for the services and credit opportunities you provide to military members and their families. My past history with your program has been important to me, and I am hoping to reestablish a strong and positive relationship moving forward. 

Due to personal challenges I experienced in the past, I unfortunately had difficulty maintaining on-time payments. I want to sincerely apologize for those misstepsthey do not reflect my long-term character or financial responsibility. At this time, my account is not charged off, and I have every intention of continuing in good faith with my payments and rebuilding a strong credit history with your organization. 

Furthermore, I have been making consistent payments recently, but Ive noticed that my credit report does not accurately reflect these efforts. I kindly request that this be reviewed and corrected. 

As a gesture of goodwill, I respectfully request that you consider removing any derogatory late payment entries reported to the credit bureaus. These marks are not indicative of my current situation or my ongoing commitment to financial responsibility. 

I am a dedicated public servant and active contributor to my community. Your consideration of this request would make a significant difference in helping me restore my creditworthiness. 

Thank you for your time and understanding. I look forward to your favorable response and to continuing my relationship with the XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing in regard to my account with the XXXX XXXX XXXX. First and foremost, I want to express my appreciation for the services and credit opportunities you provide to military members and their families. My past history with your program has been important to me, and I am hoping to reestablish a strong and positive relationship moving forward. 

Due to personal challenges I experienced in the past, I unfortunately had difficulty maintaining on-time payments. I want to sincerely apologize for those misstepsthey do not reflect my long-term character or financial responsibility. At this time, my account is not charged off, and I have every intention of continuing in good faith with my payments and rebuilding a strong credit history with your organization. 

Furthermore, I have been making consistent payments recently, but Ive noticed that my credit report does not accurately reflect these efforts. I kindly request that this be reviewed and corrected. 

As a gesture of goodwill, I respectfully request that you consider removing any derogatory late payment entries reported to the credit bureaus. These marks are not indicative of my current situation or my ongoing commitment to financial responsibility. 

I am a dedicated public servant and active contributor to my community. Your consideration of this request would make a significant difference in helping me restore my creditworthiness. 

Thank you for your time and understanding. I look forward to your favorable response and to continuing my relationship with the XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Northstar Location Services, LLC
State: NY

Complaint narrative:
I have a credit card debt originally owed to XXXX XXXX XXXX, with a balance of {$17000.00}. XXXX offered me a written settlement to pay {$4200.00} in three installments, which I accepted. However, before I could make the first payment, XXXX  assigned the debt to Northstar. 

When I contacted XXXX, I was initially told they could still honor the original settlement, but shortly after, they said I must negotiate with Northstar since the debt was assigned to them. Northstar is now demanding {$7600.00} to settle, payable in 12 payments, which is nearly double the original offer.

During a phone call with a Northstar supervisor, the representative became aggressive and raised his voice, cutting me off repeatedly, forcing me to end the call. This behavior was unprofessional and made it difficult to resolve the matter.

I am acting in good faith and want to settle the debt fairly based on the original agreement. I request that Northstar and XXXX honor or reinstate the {$4200.00} settlement offer, and that Northstar provide professional and respectful communication going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: MD

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: MD

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: OH

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/year> EXPERIAN Experian XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX Subject : Dispute of Fraudulent Accounts on My Credit Report Dear [ Credit Bureau Name ], I am writing to formally dispute certain accounts listed on my credit report that I believe are fraudulent. These accounts were not opened by me and are not authorized. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or fraudulent information in my credit report. 

The accounts I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXX. XX/XX/year> XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX XXXX XX/XX/year> I have attached copies of my identification and any relevant documents that support my claim, including any reports of identity theft if applicable. I also recommend that you check with the creditors listed above for verification, as I did not authorize these accounts. 

Please investigate these fraudulent accounts and remove them from my credit report as required by law. I request that you provide me with a written confirmation of the results of your investigation within 30 days. 

Thank you for your prompt attention to this matter. If you have any questions or require further information, please do not hesitate to contact me at the phone number or email address provided above. 

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 2025-07-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Date : XX/XX/2025 To : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) XXXX  XXXX  Subject : Capital One 's Failure to Respond to FCRA XXXX Request Account Ending in XXXX Capital One Case # : XXXX CFPB Complaint # : XXXX To Whom It May Concern, I am filing this formal complaint to report Capital Ones noncompliance with the Fair Credit Reporting Act ( FCRA ) regarding their continued reporting of a disputed account ending in XXXX to the major credit reporting agencies. Capital One was required to respond with verification documentation but failed to reply within the required 15-business-day timeframe. 

On XX/XX/2025, I sent Capital One a formal written dispute and demand for verification under 15 U.S.C. 1681s-2 and 1681i, requesting critical documents to support their reporting of this account, including the original application, IP logs, call recordings, contract signatures, and identity verification details.

Despite the seriousness of this request and the legal obligations under FCRA, Capital One failed to respond in a timely manner. As of today, over 15 business days have passed, and no documentation or response has been provided. This delay and inaction is a direct violation of their duties under federal law. 

I am requesting the following actions : CFPB and FTC : Investigate Capital Ones failure to respond and comply with FCRA rules governing dispute verification. 

XXXX  : Delete the reporting of the account ending in XXXX immediately, as it remains unverified and in active dispute. 

Document this complaint as part of Capital Ones record of FCRA compliance failures. 


Their refusal to verify or remove inaccurate reporting is causing ongoing damage to my credit, and I reserve the right to pursue legal remedies for any harm caused. 

Attached : Original letter to Capital One dated XX/XX/2025 Proof of mailing ( if applicable ) Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: PA

Complaint narrative:
I am filing a renewed dispute regarding Equifaxs failure to comply with the Fair Credit Reporting Act after multiple formal disputes, including certified mail sent on XX/XX/XXXX, and prior CFPB complaints in XX/XX/XXXX and XX/XX/XXXX. Despite correcting my legal name to XXXX XXXX XXXX, the bureau failed to delete accounts, addresses, and personal identifiers tied to previously incorrect names ( including but not limited to XXXX XXXX XXXX ). 

This is an ongoing violation of FCRA 1681i ( a ) ( 1 ), 1681i ( a ) ( 5 ) ( A ), and 1681e ( b ). Formal disputes were ignored or mishandled, and stall tactics were repeatedly used via CFPB responses to delay corrective action, directly causing prolonged damage to my credit file, financial standing, and professional life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
The debt collector responded about the use ofXXXX XXXX XXXX that never happened, I used the service a few times Ill atmit, but, they took me to the hospiltal but they never brought me back to place of pickup, somewhere along the this starting to look like Id theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: FL

Complaint narrative:
There was an XXXX transaction posted for {$890.00} on my credit card account for XXXX. I never made such a transaction as I havent used XXXX in XXXX  years and I have almost never made a purchase that big. I disputed the transaction on XXXX and they have not been helpful in reversing this transaction. I dont really know what to do and I dont want to pay almost {$900.00} for a transaction that I dont even know where it came from or what its for.

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