vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-17 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: F.H. Cann & Associates, Inc.
State: TX

Complaint narrative:
Re : Insufficient Validation of Alleged Debt To Whom It May Concern, I am in receipt of your recent correspondence in response to my request for validation of the alleged debt you claim I owe. After review, your submission does not constitute proper validation as required under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). 
Specifically : * You failed to provide a signed contract or agreement between myself and the original creditor. 
* You failed to provide a complete chain of title/assignment proving your legal ownership of this alleged debt. 
* You failed to provide an itemized accounting from inception to the present balance. 
Generic account statements or internal records do not establish legal ownership or liability. Until you provide complete validation, you must cease all collection efforts, including credit reporting, as continuing to do so constitutes violations under : * FDCPA 807 ( false or misleading representation ) * FDCPA 809 ( b ) ( failure to validate debt ) * FCRA 623 ( reporting inaccurate or unverifiable information to credit bureaus ) I hereby demand that you immediately correct your records and confirm in writing that this alleged account will not be pursued further or reported to any credit reporting agencies unless full and proper validation is provided. 
Failure to comply will result in additional complaints to the CFPB, FTC, and my state Attorney General, and I will pursue all legal remedies available. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
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 XXXX 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 : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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, 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 2025-09-17 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-09-17 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: GA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
XXXX scam for {$250.00} for concert tickets. Funds transferred from Wells Fargo checking account. Wells Fargo unable to retrieve funds.

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 2025-09-17 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I disputed XXXX unauthorized transactions with XXXX totaling {$4200.00}. Goldman Sachs denied most disputes, closed my account during the process, and has given inconsistent explanations ( including factual errors ). I never received the merchant evidence I repeatedly requested. I am now being billed interest on charges I did not authorize. This handling has been unfair, misleading, and in violation of my dispute rights under Regulation Z.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
In XXXX of last year I came out of forbearance and entered into the process to XXXX my current loan. I was told on the phone that my credit would be restored within 60 days of coming coming out with a renegotiated amount to pay. The clerical time it took for TD bank to process everything was counted as the XXXX  days late on my credit report during this time. They promissed me on a phone call and told me they were going to fix it because they were pulling the phone call and dates for when the promises were made to rectify my credit. It took TD bank XXXX  months to process my new mortgage terms because they were backed up and I got penalized for this on my credit. They promised me all backwards dates from the payment date were going to show as paid as promised. They have not met their obligation and keep telling me they are working on it. It has been over XXXX  months since my new mortgage terms have been paid. They are crushing my credit report on all XXXX bureaus. I keep getting the run around for months about everything that was completed it has been a very painful process to get all this accomplished with TD bank - i call in almost every day asking they have been hurting my credit for too long! 

TD Bank Mortgage Acct : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: John C. Heath, Attorney at Law, PLLC
State: MI

Complaint narrative:
XXXX party administrator for XXXX XXXX XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX requested check re-issued XXXX time in XXXX of XXXX  told to wait XXXX weeks before next check drop, never received check requested again in XXXX and XXXX as I had heard nothing back, told again check was reissued in XXXX check was not reissued, here we are XXXX and I still do not have my check. 

There is something going here.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I initiated an international money transfer transaction with XXXX. The money was deducted from my BOA account and was never credited to my foreign bank account. They told me that their financial partner had deposited the equivalent into my foreign bank account. The money was never received by my foreign bank. Several calls and back and forth with send wave still did not produce any positive feedback. I did send them my XX/XX/XXXX bank statement which they claimed they never received. I initiated a dispute of the {$2900.00} from XXXX and bank and XXXX reached out to them but after about 30 days or more when they never responded, XXXX reversed the charges. Now a year later on XX/XX/XXXX, XXXX went and took that amount out of my bank without notification of intent. I reached out.to them and was told that the issue was not resolved on their end and that it was still an open case with them. That they needed my foreign bank statements. I sent them the requested bank statements from XXXX till XXXX to prove my claim all along that their financial partner money was never received. They assured me that they will investigate and get back with me within 48hrs. That never happened. Ive reached out to them several times and each time, its a different story. They keep telling me that they are waiting for verification from their local partner and its been over 3 months. Its always a different escuse each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Re : Complaint Against Capital One Bank Credit Card Account Dear CFPB, I am a 100 % XXXX veteran, receiving VA XXXX compensation that is federally protected under 38 U.S.C. 5301. I file this complaint against Capital One Bank for violations of federal consumer protection laws in connection with my credit card account. 

Background My Capital One credit card has been improperly reported late/delinquent. 
This reporting is not due to willful nonpayment, but stems from fraudulent misclassification of my veteran status as retired contradicted by my XXXX, VA award letters, and a U.S. Senators confirmation. 
Capital One has relied on these false identifiers and failed to conduct a reasonable investigation, resulting in inaccurate reporting to credit bureaus. 

Violations XXXX. FCRA ( 15 U.S.C. 1681s-2 ) Furnishing inaccurate delinquency information, failure to reinvestigate fraud. 
XXXX. ECOA / ADA Discriminatory denial of fair credit to a XXXX veteran. 
XXXX. UDAAP ( Dodd-Frank ) Unfair and abusive reliance on fraudulent identifiers. 

Harms False delinquency reports suppressing my credit profile. 
Denial of fair housing and loans. 
Forced reliance on payday lenders at predatory rates. 
Contribution to $ XXXX equity theft, $ XXXX rent burden, and overall damages baseline of $ XXXX. 

Requested Action XXXX. Investigate Capital Ones reporting practices for my credit card account. 
XXXX. Order Capital One to cease derogatory reporting until fraud is resolved. 
XXXX. Require correction of inaccurate data and refund of improper fees/charges. 
XXXX. Audit Capital Ones treatment of XXXX veterans under ECOA/ADA . 

Attachments ( Exhibits ) XXXX Credit card account statements showing late fee assessments. 
XXXX. VA award letter ( 100 % XXXX benefits ). 
XXXX. XXXX ( non-retired status ). 
XXXX. U.S. Senators confirmation of misclassification. 
XXXX. XXXX  disclosures confirming systemic suppression. 

Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
Account opened XX/XX/XXXX, original credit limit {$600.00}. 

Credit reports show the account was charged off in XX/XX/XXXX and {$600.00} written off. 

Despite the full write-off, the tradeline continues to show a {$600.00} past due balance as of XX/XX/XXXX. 

They responded to my dispute by simply updating the dates listed on the report. 

They are still violating my rights according to the Fair Credit Reporting Act. 

They are showing the account as a Charge Off which has a negative impact on my credit, and that it was written off for the full amount of {$600.00}. But they are still reporting a past due amount of {$600.00} which is also having a negative impact on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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:
I am going through an extremely distressing situation due to a serious case of identity theft. Someone has used my personal information without my knowledge or consent to open accounts and initiate credit inquiries that are completely fraudulent and have no connection to me. This situation has caused me significant emotional distress, constant XXXX, and is severely impacting both my financial and personal stability. 
Taking into account the following inquiry, which was clearly not initiated by me and is part of this ongoing fraud, I urgently and respectfully request that all fraudulent items on my credit report be BLOCKED and REMOVED immediately. I need an urgent resolution to stop the harm this situation is continuing to cause in my life : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 And also the following inquiry : XXXX XXXX - Inquired on 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 non-monetary relief
Consumer complaint received 2025-09-17 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:
I am writing to formally dispute unauthorized accounts on my credit report. These accounts were opened without my knowledge, consent, or authorization, violating the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
After approximately XXXX  years being a good customer, Chase closed my account without explanation. Only thing I can think of is that I filed a complaint approximately XXXX month ago when I went into a branch to make a {$1000.00} payment after sitting in my car XXXX minutes in XXXX degree weather in XXXX XXXX, Nevada, and when I spoke to the manager, he was very XXXX and mistreated and verbally abused me without justification. Now, my account is closed, for no apparent reason except racism and discrimination. After I sent the attached message with no further follow-up, without notification Chase closed my account.

Company response to consumer: Closed with explanation