vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-01 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 am filing this complaint against XXXX XXXX XXXX XXXX XXXX, which is unlawfully reporting a fraudulent and/or unverifiable account on my consumer credit file. 

Creditor/Agency Name : XXXX XXXX XXXX XXXX XXXX Amount Reported : {$110.00} Status Reported : Closed Credit Bureaus Reporting : Experian, TransUnion, and Equifax This account does not belong to me and has not been properly validated. I have already disputed this account with the credit bureaus, providing my identity theft report, government-issued ID, and proof of address. Despite this, the account continues to appear on my credit reports. 

Violations : FCRA 15 U.S.C. 1681c-2 ( 605B ) : Requires blocking of fraudulent/identity theft accounts upon submission of an identity theft report.

FCRA 15 U.S.C. 1681i : Requires reasonable reinvestigation of disputed accounts within 30 days.

FDCPA 15 U.S.C. 1692e : Prohibits furnishing false or misleading representations regarding debt. 

By continuing to report this account, XXXX XXXX XXXX XXXXXXXX XXXX and the consumer reporting agencies are in direct violation of federal law. 

Requested Relief : Immediate blocking and deletion of this account from all credit bureau files.

Written confirmation of deletion. 

Enforcement action against XXXX XXXXXXXX XXXX XXXX for repeated violations of the FCRA and FDCPA. 

This account is fraudulent, unverifiable, and has caused ongoing harm to my credit standing. I request urgent CFPB intervention.

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 2025-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
We used XXXX rental insurance since XX/XX/XXXX, however in XXXX of XXXX we stopped using it as we got our home, we closed the online account, and inform them that we do not need the service. They agree to stop the bill since XX/XX/XXXX, but they keep charging me every month. And their phone number said all the time that you reach after hours. I contacted my Wells Fargo bank and they initially refund me for XXXX month but then took it back and denied the claim. But online is not saying why they denied the charge. I have proved of termination of my lease and an email trying to reach them because once you closed the account they are unreachable. For sure we were not renting the home since XX/XX/XXXX and I have also the mortgage date. I do not consider fair they charging me since XXXX - XX/XX/XXXXXXXX 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 2025-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: OH

Complaint narrative:
XX/XX/year> I used my debit card to purchase items at a discount store where I am a regular shopper at. My check out total was XXXX I tried to use my debit card to pay for the purchase and was told that my debit card would only cover XXXX because I did not have enough funds to cover the transaction cost. I tried to cancel the transaction but could not so my account is in overdrawn status I used my other card to cover the remaining XXXX. I contacted my bank customer service for an explanation because I had previously opted out of overdraft protection. Customer service said that they were doing this because I had made multiple charges at this store and that I should deposit XXXX into my checking account to prevent a overdraft This dose not make sense to me because I regularly shop at this store.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
I am writing in response to your claim that I owe a debt. Please be advised that I am exercising my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, which entitles me to request full validation of this alleged debt.

I request that you provide me with the following documentation : The original signed agreement or contract that created the alleged debt.

A full accounting of the alleged amount, including itemized statements.

The assignment contract, bill of sale, or other written agreement that proves your company has been legally assigned or purchased the right to collect this debt from the original creditor.

The name and address of the original creditor, as well as any prior owners of this debt if it has been transferred.

Proof that your company is licensed and bonded to collect debts in my state.

Until you provide these documents, and validation of the debt is completed, I request that you cease all collection activity and refrain from reporting this alleged debt to any credit reporting agencies. If you have already done so, please remove such reporting until the matter is resolved.

Be advised that I am keeping detailed records of all correspondence regarding this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: SC

Complaint narrative:
I applied for assistance to delay payments and loan forgiveness as Im a XXXX  XXXX  for more than XXXX  years. Im currently XXXX and in hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Accounts & Advisers, Inc.
State: VA

Complaint narrative:
Several years ago, my then-husband lost his job due to a work-related injury. During that time, our household income was limited to his VA benefits and small, periodic checks from my online content. We also received food stamps and Medicaid. We fell behind on some bills, including a XXXX XXXX account, which was eventually placed with American Accounts & Advisers. 

When collection agent XXXX XXXX first contacted me ( approx. XXXX ), I tried to arrange a payment plan of about {$50.00} per month. Instead of working with me, he accused me of holding the equipment hostage and repeatedly warned of vague repercussions. His approach was aggressive and intimidating. 

Since that time, my divorce has been finalized in Wisconsin. The court-approved divorce decree assigned full financial responsibility for this XXXX debt XXXX my ex-husband. Despite this, in XX/XX/year>, XXXX XXXX again contacted me claiming I was XXXX payments behind. I explained the divorce decree and offered to provide my ex-husbands contact information. He refused to acknowledge the decree and stated he could not call my ex because the account was in my name. 

This behavior is harassing, misleading, and unlawful under the Fair Debt Collection Practices Act ( FDCPA ) and the Wisconsin Consumer Act. I attempted in good faith to resolve the matter, but the agent continued to pursue me directly and refused to validate or correct the information. 

I am requesting that American Accounts & Advisers : Cease collection efforts against me ; Direct all communication and responsibility to the legally responsible party ( my ex-husband, per Wisconsin court order ) ; Stop harassment and intimidation tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This complaint is being filed to request that TransUnion XXXX and remove fraudulent information from my consumer credit report in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). Under this provision, TransUnion is required to block such information within XXXX ( XXXX ) business days of receiving this notice. The information in question includes multiple unauthorized accounts and hard inquiries that were made without my knowledge or consent, and are the direct result of identity theft and fraud. The following accounts are fraudulent and must be deleted from my credit file : XXXX - XXXX # * XXXX Opened on XXXX With balance of {$2100.00} Closed creditcard account reported as Charge Off. Pastdue amount {$510.00} ; high credit {$2900.00}. Account closed XXXX. Also an unauthorized hard inquiry from XXXX XXXX - XXXX XXXX XX/XX/year>. 

All of the above accounts and inquiries are not mine. To support my claim, I have attached a copy of my FTC Identity Theft Report ( Criminal Complaint # XXXX ) filed with the XXXX Federal Trade Commission, which confirms that these items are the result of identity theft.

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 2025-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
On XX/XX/year>, Robinhood detected potentially unusual activity in my account and placed a temporary restriction. I submitted the requested documents ( government-issued ID, bank statements, and a three-point selfie ), and Robinhood completed their investigation on XX/XX/year>. 
On XX/XX/year>5, Robinhood confirmed that the process to return my remaining funds ( {$36000.00} ) was in progress and could take up to 120 days. They stated that the funds transfer required direct communication with my bank. 
I filed a CFPB complaint ( Case XXXX XXXX / Robinhood Case ID : XXXX ) regarding the delay. Robinhood responded and acknowledged the situation but no funds have been returned, and my bank confirms they have not received any communication from Robinhood regarding the transfer. 
Despite follow-up on XX/XX/year>, nothing has changed, and my funds remain inaccessible. This delay is causing financial hardship. I request immediate action to release my funds and documentation of communication with my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: FL

Complaint narrative:
Identity Theft Dispute Demand for Immediate Removal under FCRA 605B ( 15 U.S.C. 1681c-2 ) I am submitting this dispute because a collection account is being reported on my credit file that does not belong to me. This account is the direct result of identity theft, as it was opened and used without my knowledge or consent.

I have already filed an Identity Theft Report with the Federal Trade Commission ( FTC ) through IdentityTheft.gov, which I am enclosing with this dispute along with my supporting identification documents.

Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), consumer reporting agencies are required to block fraudulent information from appearing in a consumers credit file within four ( 4 ) business days of receiving proper documentation. The law is clear : once I have provided proof of identity and an identity theft report, the disputed account must be blocked, removed, and not reinserted unless full validation and written confirmation are provided.

This account is : Fraudulent Opened without my authorization Causing ongoing harm to my creditworthiness I am demanding that the collection account be : Immediately removed/blocked from my credit file with all credit bureaus ( XXXX, Experian, TransUnion ) XXXX 

Not reinserted unless it is fully verified with documentation bearing my signature and lawful consent. 

Confirmed in writing once the deletion and block have been completed.

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 2025-08-31 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: FinCo Services Inc DBA Current
State: NY

Complaint narrative:
Description of what happened : On XX/XX/year>2025, I received a message from Currents Fraud Team informing me that someone had used my personal information to fraudulently create a Current account in my name. I did not authorize or open this account.

Current informed me that they had located the fraudulent account, closed it, and deactivated the associated card ( s ). They also advised me that I may still receive a card in the mail, which I should destroy, and that I should check my credit history for possible identity theft.

The company stated they can not provide specific information about the fraudulent account unless I submit a government-issued ID, a police report, and an affidavit of identity theft. They also noted that they would report the incident as identity theft in relation to my credit report.

I am concerned because my personal data was used to open a financial account without my consent, and this could negatively affect my credit and financial security. I want to ensure that the fraudulent account is permanently closed, that no negative marks remain on my credit report, and that stronger protections are in place to prevent this from happening again. 

Date of incident : XX/XX/year>2025 Company response so far : Current confirmed closure of the fraudulent account and provided instructions for next steps but requires additional documentation before releasing more details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Non-Response to Dispute Filed XX/XX/year> XXXXemand for Immediate Action & Statutory Damages Dear Credit Reporting Agency, This letter serves as my Second Notice regarding the formal dispute I submitted on XX/XX/year>, concerning the following accounts : XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX Despite the passage of more than XXXX ( XXXX ) days, I have not received a response, reinvestigation results, or confirmation of deletion as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Violation of Federal Law Your failure to respond within the statutory period constitutes willful and/or negligent noncompliance with : FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Requires completion of a reasonable reinvestigation and results within 30 days.

FCRA 15 U.S.C. 1681n & 1681o : Establishes liability for statutory damages of up to {$1000.00} per violation, plus attorneys fees and potential punitive damages.

Final Demand for Immediate Action I hereby demand that you : 1. Delete the above-referenced accounts from my credit file immediately.

2. Provide written confirmation of deletion or reinvestigation results within seven ( 7 ) days of receiving this notice.

3. Acknowledge your potential liability for statutory damages and attorneys fees under FCRA 1681n & 1681o.

Notice of Legal Action Should you fail to comply within the stated timeframe, I will initiate legal action in federal court to pursue statutory damages, punitive damages, and attorneys fees. This matter is already reported to the Consumer Financial Protection Bureau ( CFPB ) and may be further escalated to the Federal Trade Commission ( FTC ) and my State Attorney General. 


-- - Copies of my original dispute dated XX/XX/year> and proof of file is already filed with the CFPB and are enclosed again in there records. 

Sincerely, 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 2025-09-01 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: GA

Complaint narrative:
Company called an emailed saying they were debt. collectors and they were trying to collect a debit for XXXX on XX/XX/year>. I was evicted on XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

1681c2 ) that you, the TransUnion 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  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX MOTOR Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$470.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$730.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$510.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2900.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX & XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$700.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4400.00} 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, 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 2025-09-01 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: CA

Complaint narrative:
I am submitting this complaint personally and in my own words. I have not authorized any company to submit this on my behalf beyond helping me type and send it. This issue directly affects me. I am filing this complaint against Equifax for their continued reporting of a late payment accounts on my credit report which are, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is not only a gross inaccuracy, but it also violates multiple provisions under the Fair Credit Reporting Act ( FCRA ), including 611 ( a ) [ 15 U.S.C.

1681i ( a ) ] and 607 ( b ) [ 15 U.S.C. 1681e ( b ) ]. I previously submitted a formal dispute regarding this inaccurate entry, yet Equifax failed to conduct a meaningful or lawful reinvestigation. They did not contact the furnisher nor provide any documentation verifying its accuracy. Their handling of the dispute reinvestigation. Equifax appears to rely solely on automated systems such as e-OSCAR rather than performing an actual manual review of disputed items or original records. This kind of automated verification process is insufficient under the FCRA, and can not meet the standard of a 'reasonable ' reinvestigation. Further, under FCRA 607 ( b ), Equifax has a legal obligation to ensure the maximum possible accuracy of the information they report. Maintaining a late payment account on my record, with no documentation or proper validation, is a clear and damaging violation of that duty. This error has harmed my credit reputation, caused emotional distress, and denied me access to financial opportunities. I am also aware that in XX/XX/year>, the CFPB sued Equifax for failing to properly investigate consumer disputes and continuing to report inaccurate data .. My experience is consistent with those systemic issues and shows these practices are still ongoing. I am requesting the CFPB to require Equifax to immediately delete the inaccurate information from my credit report, issue a full explanation of their investigation process, and hold them accountable for violating my rights as a consumer. If necessary, I am prepared to pursue compensation for damages under FCRA 1681n and 1681o. I have attached my formal dispute letter dated XX/XX/year>, which further outlines my concerns and demands. I respectfully ask the CFPB to investigate this matter and enforce compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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: Exeter Finance, LLC.
State: PA

Complaint narrative:
It was reported to local and federal law enforcement that my former roommate has stolen my identity and was opening bank accounts, credit lines and an attempt to purchase multiple vehicles in my name. The following companies have pulled my credit over thirty times EACH in the past ninety days without my permission, on some occasions three times in one day : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXETER FINANCE XXXX

Company response to consumer: Closed with explanation