vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 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: FL

Complaint narrative:
Urgent Request : Formal Dispute of Inaccurate Reporting Request for Immediate Deletion Account Number : XXXX To Whom It May Concern, I am formally disputing the late payment being reported on my XXXX XXXX XXXX account. This entry is inaccurate, inconsistent, and unverifiable, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

Specifically : XXXX  and TransUnion report the late payment as occurring in XXXX. 
XXXX  reports the late payment as occurring in XXXX. 

Because of these discrepancies, the reporting can not be considered accurate. Under FCRA 607 ( b ), credit reporting agencies must assure maximum possible accuracy of consumer information. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers may not report information they know or should know is inaccurate.

Further, FCRA 611 ( a ) ( 5 ) requires that any information that can not be verified must be deleted from the consumers credit file. Since the late payment is being reported inconsistently across the credit bureaus, it can not be verified with maximum possible accuracy. 

I am therefore requesting the immediate removal of this late payment from all of my credit reports. Please complete your reinvestigation within the 30-day timeframe required by law and provide me with written confirmation of the deletion. 
Thank you for your prompt attention to this matter.

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 2025-10-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I am filing a complaint against capital one regarding the deceptive practices related to their high yield interest savings acount Capitol one misrepresented the 360 savings account as to having one of the nations highest interest rstes.yet failed to notify account holders about the superior rates offered by the 360 performance savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I did not authorize this inquiry, and I had no communication with the lender on that date.

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 2025-10-22 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/year>, Wells Fargo denied my credit card dispute for a fraudulent XXXX purchase processed through XXXX XXXX, XXXX in the amount of {$290.00} ( Dispute # XXXX ). 

The XXXX seller repeatedly changed the tracking number several times after I opened a merchant dispute with XXXX, apparently to make it appear that the package had been delivered. Each tracking number showed my ZIP code but was confirmed in writing by XXXX as not addressed to my name or address. I provided this documentation to Wells Fargo as evidence that the tracking information was falsified and no delivery occurred. In total, the seller provided XXXX fake tracking numbers, none of which corresponded to me. The final tracking number, XXXX, was also confirmed by XXXX  as not associated with my address. 

Despite this clear proof of fraud, Wells Fargo closed the case stating : XXXX requires specific information from the cardholder in order for the bank to file a dispute. Since the requirements to file a dispute have not been met, we have no recourse but to close the dispute at this time. 

Wells Fargo did not explain what information was missing, nor did they reference or address the documentation I submitted. Their decision appears to be procedural rather than investigative. Under the Fair Credit Billing Act ( 15 U.S.C. 1666 ), the bank is required to conduct a reasonable investigation of disputed charges. Denying the claim without addressing the supplied documentation does not meet that standard. 

I expect Wells Fargo to contact XXXX directly to confirm that tracking number XXXX did not correspond to my name or address, as this verification would immediately establish that no valid delivery occurred. 

I am requesting that the CFPB review Wells Fargos handling of this dispute and require them to reopen the investigation or issue a credit, given that the seller used fraudulent tracking numbers and no merchandise was ever delivered to my address.

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 monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am disputing the debt reported by Midland Credit Management for a XXXX XXXX account XXXX ending in XXXX ). The account was opened in XX/XX/XXXX but has not been used or paid since XXXX. XXXX charged off and sold the account in XX/XX/XXXX, which appears inaccurate and may constitute unlawful re-aging under the FCRA. I request full validation under the FDCPA, including the original agreement, itemized statement, proof of ownership, and confirmation of the true date of last activity. Based on inactivity since XXXX, the debt is time-barred under Californias 4-year statute of limitations. If Midland can not validate the debt, I request immediate deletion from all credit reports and cessation of all collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding, i discovered discrepancies on my credit report that do not accurately reflect my financial history, and I am deeply concerned about their impact on my personal and professional life. Among these inaccuracies is a charge-off with XXXX, account number ending in XXXX, showing a balance of {$460.00}, and another associated with XXXX XXXX  XXXX reflecting a {$0.00} balance. Additionally, an inquiry from XXXX dated XX/XX/year>, which I did not authorize, appears on my report. 
I have always taken my financial obligations seriously, and it is important that my credit information accurately represents my true history. Under FCRA 609 ( 15 U.S.C. 1681g ), I have the right to request verification of the information reported about me. FCRA 611 ( 15 U.S.C. 1681i ) requires that any disputed information be reasonably investigated and remove if found inaccurate.

Furthermore, FCRA 623 ( 15 U.S.C. 1681s-2 ) establishes that furnishers of information must investigate and update records that are incomplete or unverifiable. The purpose of these protections, as stated in FCRA 602, is to ensure maximum accuracy, fairness, and privacy in credit reporting. 
Based on these rights,

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 2025-10-22 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 contacting you regarding unauthorized Hard Inquires that have been reported on my credit report. 

Listed below : XXXX Inquiry : XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX  Inquiry : XXXX XXXX. XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XX/XX/XXXX, XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXX. XXXX, XXXX, XX/XX/XXXX XXXX Inquiry : XXXX. XXXX, XXXX & XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXX. XXXX, XXXX, XX/XX/XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  Inquiry : XX/XX/XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX OF XXXX Inquiry : XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
XXXX. XX/XX/XXXX, BANK FROZE ALL ACCOUNTS WITH MY NAME ON THEM WITH NO REASON. 
XXXX. DURING XXXX AND XX/XX/XXXX, I SENT SEVERAL TRANSFERS OF MONEY TO THE SAME INVESTMENT PLACE WITHOUT ISSUE. 
XXXX. I RECEIVED A LETTER FROM THE BANK STATING THEY WERE CLOSING MY ACCOUNTS ON THE XXXX OF XXXX AND SENDING ME ANY BALANCE IN MY ACCOUNTS. AS OF XX/XX/XXXX I HAVE RECEIVED NO CHECKS. 
XXXX. ON XX/XX/XXXX, I TOOK {$40000.00} FROM MY HELOC AND PLACED MONEY INTO MY CHECKING ACCOUNT SO I COULD MAKE THE WIRE TRANSFER. SINCE THE WIRE TRANFER WAS STOPPED AND ACCOUNTS FROZEN, THEY WOULD NOT MOVE THE MONEY BACK INTO MY HELOC TO SAVE ME FROM PAYING A HIGH INTEREST ON THE MONEY. 
XXXX. SINCE THE BANK HAS FROZE MY {$40000.00}, I HAVE BEEN UNABLE TO PAY MY MARGIN ACCOUNT AND LOST {$380000.00} IN INVESTMENT MONEY. I NEED THE {$40000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: TX

Complaint narrative:
Account Name XXXX, XXXX Account Number XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, consumer reporting agencies are only permitted to furnish consumer reports under certain circumstances and with proper consent. I did not provide consent to furnish or share my personal information with this entity, nor did I authorize the reporting of this collection account to your bureau. 
Because I never gave permission for my information to be shared or reported, I am requesting that you immediately investigate this matter and remove this collection account from my credit file. Please provide me with documentation showing that you had a permissible purpose and my explicit consent to report this information. If you can not provide such documentation, this entry should be deleted from my credit report as required by the FCRA. 

Account Name XXXX, XXXX Account Number XXXX Please complete your investigation within the 30-day period mandated by law and confirm in writing that this collection account has been removed. 

Account Name XXXX, XXXX Account Number XXXX Thank you for your prompt attention to this matter

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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am submitting this complaint because several accounts are being reported on my credit reports that are not mine, unverified, or opened fraudulently. I have disputed these accounts multiple times with Equifax, Experian, and TransUnion, requesting verification and copies of the original signed contracts that would prove liability. 

Despite my repeated requests, the bureaus have failed to properly investigate or remove the unverifiable accounts. They continue to report these items even though they can not be verified as accurate or belonging to me. This is a clear violation of the Fair Credit Reporting Act ( FCRA 602, 607, and 611 ) and the Fair Debt Collection Practices Act ( FDCPA 807 and 809 ).

The credit bureaus failure to conduct a lawful reinvestigation and their continued reporting of inaccurate data have harmed my creditworthiness and caused financial hardship. I am requesting that the CFPB compel these bureaus to : 1. Remove all unverifiable or fraudulent accounts from my credit reports, 2. Provide proof of verification if any account is to remain, and 3. Ensure compliance with federal consumer protection laws.

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 2025-10-22 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: ND

Complaint narrative:
My Experian credit report contains incorrect names and addresses that do not belong to me. These inaccuracies may have resulted from identity theft or a mixed file. 

I discovered the errors while reviewing my credit report in [ month and year you noticed it ]. I immediately attempted to correct the issue by submitting proof of identity and current address through XXXX dispute system, but the incorrect names and addresses still appear. 

These errors could negatively impact my credit profile and may cause confusion with accounts that are not mine. I am requesting that Experian conduct a full investigation, remove all incorrect names and addresses, and update my report to reflect only my verified information.

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 2025-10-22 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: ND

Complaint narrative:
My Experian credit report contains incorrect names and addresses that do not belong to me. These inaccuracies may have resulted from identity theft or a mixed file. 

I discovered the errors while reviewing my credit report in [ month and year you noticed it ]. I immediately attempted to correct the issue by submitting proof of identity and current address through XXXX dispute system, but the incorrect names and addresses still appear. 

These errors could negatively impact my credit profile and may cause confusion with accounts that are not mine. I am requesting that Experian conduct a full investigation, remove all incorrect names and addresses, and update my report to reflect only my verified information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: GA

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 XX/XX/XXXX -- {$490000.00} UNAUTHORIZED INQUIRIES : EXPERIAN XXXXXXXX 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 explanation
Consumer complaint received 2025-10-22 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: TX

Complaint narrative:
I'm am filing this complaint against XXXX XXXX XXXX XXXX XXXX and the credit reporting agencies for multiple violations of the FCRA, 15 U.S.C. 1681 et seq. ) and the FDCPA, 15 U.S.C. 1692 et seq. ) concerning the unlawful reporting of a repossessed auto loan account. 

The account in question ( XXXX XXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX  ) was previously deleted from my credit reports. However, it was later reinserted as a negative charge-off and verified as accurate without any notice of reinsertion, supporting documentation, or validation of debt.

This conduct violates the following federal laws : FCRA 1681i ( a ) ( 5 ) ( B ) Reinserted deleted information without providing me written notice within five ( 5 ) business days.

FCRA 1681i ( a ) ( 1 ) ( A ) Failed to conduct a reasonable reinvestigation after my dispute ; the investigation results merely stated Verified as Accurate and Updated with no proof.

FCRA 1681e ( b ) Continued to report inaccurate and conflicting data, including improper payment dates and balances that do not reflect the repossession.

FCRA 1681s-2 ( b ) Failed to investigate and correct disputed information after receiving notice from the credit bureau .

FDCPA 1692e ( 8 ) Continued to report the account as negative and charged off while it was actively disputed, communicating false credit information.

FDCPA 1692g ( b ) Continued reporting and collection without providing validation of the alleged debt.

FDCPA 1692f ( 1 ) Attempted to collect or report an amount not authorized by agreement or permitted by law.

As a result of these actions, I have suffered credit score damage, emotional distress, and financial loss. Pursuant to 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) and 1692k ( a ) ( 2 ) ( A ), I am requesting statutory damages of {$1000.00} per violation and actual damages totaling {$15000.00}, for a combined compensation request of {$21000.00}. 



I am requesting the CFPBs intervention to compel XXXX  XXXX XXXX XXXX XXXX and the credit bureaus to : -Permanently delete the XXXX  XXXX account from all consumer reporting agencies. 
-Provide written confirmation that the account has been removed and will not be r-einserted. 
-Investigate the companys repeated violations of the FCRA and FDCPA. 
-Enforce penalties or corrective actions as permitted by law. 



I have attached supporting documents, including my dispute letters. This account continues to cause harm and must be removed immediately!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I submitted a formal dispute letter to Experian on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Experian has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Experian has therefore failed to conduct a reasonable reinvestigation as required by law. 

XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I am actively working with PayPal XXXX and have submitted an appeal. However, I am filing this complaint with the CFPB to ensure proper oversight, timely review, and escalation to PayPals compliance team. The negative balance and financial harm Ive experienced remain unresolved. 

I was the victim of fraud that caused multiple unauthorized PayPal transactions totaling approximately {$7000.00}. Before these withdrawals, my linked XXXX Bank checking account had a balance of {$5600.00} ( verified in the attached screenshot ). On XX/XX/year>, an unauthorized {$3000.00} PayPal transfer was withdrawn, immediately reducing my balance to {$2600.00}. Additional PayPal debits followed, and by XX/XX/year>, my account was overdrawn to {$330.00}, as shown in my XXXX  Bank overdraft notice. 

My banks fraud department confirmed that the money currently in my new checking account ( checking account XXXX has been frozen due to being compromised and is in the process of being fully closed ) represents only the funds I had prior to the fraud and not reimbursement for PayPals unauthorized activity. Despite this, PayPal denied my dispute, claiming the transactions were consistent with my transaction history. 

I requested that PayPal review the fraudulent withdrawals again and confirm that the negative PayPal balance would be wiped. 

I have filed disputes with my bank, am submitting this CFPB complaint for oversight, and will file a police report tomorrow ( XX/XX/year> ) for documentation. 

Because this involves criminal fraud that directly my bank account, I am requesting that PayPal void the negative PayPal balance associated with these transactions. 

Please note that due to the current federal government shutdown, the FTCs fraud reporting system ( IdentityTheft.gov ) is temporarily unavailable. I will file a full FTC report as soon as it reopens. 

Pay Pal Transaction IDs The transactions below were not made or authorized by me : - {$3000.00} ( Transaction ID : XXXX ) - {$990.00} ( Transaction ID : XXXX ) - {$970.00} ( Transaction ID : XXXX ) - {$970.00} ( Transaction ID : XXXX ) - {$990.00} ( Transaction ID : XXXX ) - {$970.00} ( Transaction ID : XXXX ) Attachments : 1. XXXX Bank screenshot showing {$5600.00} pre-fraud balance ( XX/XX/year> ) and {$3000.00} unauthorized withdrawal ( XX/XX/year> ) 2. XXXX Bank overdraft alert showing {$330.00} ( XX/XX/year> ) XXXX. PayPal denial emails with consistent with your transaction history

Company response to consumer: Closed with monetary relief