vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 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: MI

Complaint narrative:
I am a direct victim of the widely publicized XXXX  Equifax data breach, which exposed highly sensitive personal information of millions of consumers, including mine. As a result of this breach, my personal data including my full name, Social Security number, date of birth, and potentially financial details was compromised without my consent. 
Subsequently, I identified multiple accounts and inquiries on my credit report that I do not recognize, which were clearly opened or initiated by third parties using my stolen identity. I did not authorize, open, or participate in any of these transactions. 

Information in Dispute : 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 These entries are unjustly harming my creditworthiness and personal reputation, despite having no legitimate connection to me.

Legal Basis : Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ), I have the legal right to request that any information resulting from identity theft be blocked and permanently removed from my credit report once I provide : Proof of my identity ; A valid identity theft report ( which I have already submitted to the FTC ) ; A list identifying the fraudulent information Request to the CFPB :

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 2025-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was scammed hacked and had multiple data breaches along with identity theft no one is helping me with it

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 2025-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX. XX/XX/year> GOLDMAN SACHS BANK USA, APPLE CARD / GS BANK USA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Cease and Desist Communication Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) Dear GOLDMAN SACHS BANK USA, APPLE CARD / GS BANK USA, I am writing to formally demand that you immediately cease all communication with me, both written and verbal, regarding the alleged debt associated with ACCOUNT NUMBER XXXX. This letter is issued under the authority granted to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

I believe that your recent attempts to contact me violate the provisions of the FDCPA, and I am asserting my rights under this federal law. The following violations have come to my attention : Communication Restrictions : The FDCPA grants me the right to request that you cease all communication with me concerning the alleged debt. As of the date of this letter, I am exercising that right and hereby demand that you cease all communication attempts, including phone calls, emails, letters, or any other form of contact. Failure to comply with this request will be considered a violation of the FDCPA. 
Harassment and Abuse : The FDCPA prohibits debt collectors from engaging in conduct that harasses, oppresses, or abuses the consumer. I believe that your actions, including [ specific instances of harassment ], constitute harassment and are in violation of the FDCPA. Such behavior is unacceptable and will not be tolerated. 
False or Misleading Representation : The FDCPA strictly prohibits debt collectors from using any false, deceptive, or misleading representation in connection with the collection of any debt. I have reason to believe that your communication, specifically [ specific false or misleading statements ], violates this provision of the FDCPA. Such deceptive practices are unlawful and must cease immediately. 
I demand that you confirm, in writing, within [ a reasonable timeframe, such as 10 business days ] of receiving this letter, that you have ceased all communication regarding the alleged debt. Failure to provide written confirmation or any future contact in violation of the FDCPA will leave me with no alternative but to pursue all available legal remedies against you, including filing a complaint with the appropriate regulatory agency and seeking legal counsel to protect my rights. 
Please be advised that I am well aware of my rights under the FDCPA and will not hesitate to take legal action to enforce those rights. I expect your immediate compliance with this cease and desist request to avoid any further legal complications. 
Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am disputing the account listed in my FTC Identity Theft Complaint as it appears on my credit report. I request full validation of the alleged debt to confirm it belongs to me, XXXX XXXX. Validation must include a copy of the assignment contract showing legal transfer of the debt, as required under the FDCPA, 15 U.S.C. 1692g. If proper validation can not be provided, this account must be removed. Please note, verification alone is not validation. Additionally, I request removal of the following unauthorized inquiries resulting from identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding a serious incident involving a Capital One ATM that resulted in the theft of {$5000.00} in cash. This occurred at the Capital One XXXX XXXX XXXX  XXXX, XXXX XXXX CA, on XX/XX/year>. 

On the date in question, I deposited {$5000.00} in cash into an ATM at this location. Unfortunately, no receipt was issued for this transaction. After completing the deposit, I checked my account and was horrified to find that the cash deposit had not been reflected in my account balance. 

I immediately contacted Capital One customer service, and a case number was issued for my complaint. I was informed that an investigation would be initiated and that it could take up to 10 days to issue a provisional credit, pending the availability of machine records. However, I was also advised that the full resolution of the case might take up to 45 daysa timeline that is both excessive and distressing, given the significant amount of money involved. 

Additionally, I am deeply concerned because this particular ATM has malfunctioned multiple times in the past. It is still in use despite its ongoing unreliability, which raises serious concerns about the security and reliability of Capital Ones ATM network. 

This cash was a wedding gift, and the loss of these funds has placed me in an extremely difficult position, both financially and emotionally. The lack of a timely response, compounded by the lengthy resolution period, is unacceptable. Moreover, the fact that Capital One continues to use an unreliable ATM in a high-traffic location like XXXX XXXX is highly problematic and unfair to its customers. 

I am requesting the immediate return of my {$5000.00} and ask the CFPB to intervene in this matter to ensure that Capital One is held accountable for this mishandling. Specifically, I am asking for a faster resolution timeline, as the current 45-day window is unreasonable, and for assurances that this ATM will be either properly fixed or removed from service to prevent further customer loss. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and intervention to help resolve this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: GA

Complaint narrative:
TransUnion is reporting fraudulent and inaccurate information. 

XXXX XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX {$940.00} XXXX XXXX  ( XXXX XXXX ) XX/XX/XXXX {$3100.00} Account Number : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX {$830.00} Account number XXXX XXXX XXXX  ( Inquiry ) 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 2025-07-12 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: FL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to foward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I contacted Affirm on XX/XX/year>. I noticed an address on my Experian credit report that I did not recognize. I contacted Experian and they said the address was connected to multiple affirm accounts. I contacted affirm and they replied to my email about the address and accounts I don't recognize. They claimed to investigate the claims, but the negative affirm accounts still remain on my credit report. I also asked for a copy of the delivery status for the accounts. Affirm refused to show me any proof about the accounts and how that address got on my credit report. 

Affirm acct # XXXX Affirm acct # XXXX Affirm acct # XXXX Affirm acct # XXXX Affirm acct # 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 2025-07-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Marlette Funding, LLC
State: VA

Complaint narrative:
Loan installments were being paid but after payment was made interest would raise to where it was not affordable to pay off. I did call a few times to resolve with payment installments I could afford but with the interest piling on I could not afford to keep up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
XX/XX/year> XXXX charges of {$300.00} each at a XXXX XXXX and XXXX in XXXX and a XXXX XXXX  in XXXX while we were at work. Chase bank notified my husband and he stated he did not make these purchases at any of the stores as he was at work at the time. Chase Bank then investigated and their fraud department denied us. We questioned why they asked us to send information proving that we were both at work during that time and we did this. They denied it again claiming they could not prove fraud since no one had changed any of our bank information. They could not explain the fact that the information was stolen and we proved that it was not us and the fraud department did not consider it fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: AZ

Complaint narrative:
Experian is giving me the run around for the XXXX XXXX XXXXXXXX Account XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off/Never late. {$120.00} written off. {$120.00} past due as of XX/XX/XXXX. 
I paid this account off on XX/XX/XXXX but Experian is still showing that it's past due and has not update anything. 

The attached is where I paid them through my checking account.

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 2025-07-12 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: SC

Complaint narrative:
XXXX XXXX XXXX supposed to remove account immediately and never did not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: GA

Complaint narrative:
I am writing to dispute a charged -off account on my credit report. The acwount is listed without accurate information database, which makes it impossible for me to verity its validity or confirm if it belongs to me. To assist with this matter, I ask that you also review the payment history associated with this account. without accurate payment history, l am unable to have confidence in the accuracy of this alleged account.Please conduct a thorough investigation and remove the accant immediately. 
Please be adviced that If I receive any stall tuctics to buy yourself time, I will be forced to escalate this with the CFPB, XXXX, and my states Attorney Generals office. 
I trust you understand the seriousness of this matter, as it is directly impacting my ability to quality for credit, which is causing further damage to my financial well-being. 
Thank you for your immediate attention

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 2025-07-12 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:
I am writing to dispute a charged -off account on my credit report. The acwount is listed without accurate information database, which makes it impossible for me to verity its validity or confirm if it belongs to me. To assist with this matter, I ask that you also review the payment history associated with this account. without accurate payment history, l am unable to have confidence in the accuracy of this alleged account.Please conduct a thorough investigation and remove the accant immediately. 
Please be adviced that If I receive any stall tuctics to buy yourself time, I will be forced to escalate this with the CFPB, XXXX, and my states Attorney Generals office. 
I trust you understand the seriousness of this matter, as it is directly impacting my ability to quality for credit, which is causing further damage to my financial well-being. 
Thank you for your immediate attention

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 2025-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
I am writing to formally dispute the collection account ( s ) listed under my name and to notify you that my personally identifiable information ( PII ) was used without my knowledge or authorization. I did not open, authorize, or agree to any debt with your collection company, nor with the original creditor you represent.

I have reason to believe that my personal information was obtained through a data breach, and used fraudulently to open or associate this account in my name. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B [ 15 U.S.C. 1681c-2 ], I am exercising my right to request that any fraudulent information resulting from identity theft be blocked and removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: Central Portfolio Control Inc.
State: SC

Complaint narrative:
Central portfolio cont supposed to remove account immediately and never did not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: GA

Complaint narrative:
I am writing to dispute a charged -off account on My credit report. The account is listed without an charge off form ( 1099 ), which makes it impossible for me to verify its validity or confirm if it belongs to me. To assist with this matter, I ask that you also review the payment history associated with this account without an accurate payment history, l am unable to have confidence in the accuracy of this alleged account. Please conduct a thorough investigation and remove the accant immediately. Please be adviced that If I receive any stall tuctics to buy yourself time, I will be forced to escalate this with the CFPB, XXXX, and my states Attorney Generals office. I trust you understand the seriousness of this matter, as it is directly impacting my ability to quality for credit, which is causing further damage to my financial well-being. Thank you for your immediate attention.

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 2025-07-12 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: GA

Complaint narrative:
I am writing to dispute a charged -off account on My credit report. The account is listed without an charge off form ( 1099 ), which makes it impossible for me to verify its validity or confirm if it belongs to me. To assist with this matter, I ask that you also review the payment history associated with this account without an accurate payment history, l am unable to have confidence in the accuracy of this alleged account. Please conduct a thorough investigation and remove the accant immediately. Please be adviced that If I receive any stall tuctics to buy yourself time, I will be forced to escalate this with the CFPB, XXXX, and my states Attorney Generals office. I trust you understand the seriousness of this matter, as it is directly impacting my ability to quality for credit, which is causing further damage to my financial well-being. Thank you for your immediate attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX XXXX XXXXXXXX XXXX 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. The fraudulent inquiries I have found : XXXX XXXX - XXXX, XXXXXXXX XXXX XXXX XXXX. 
I've 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 aforementioned fraudulent items. I do not recognize the aforementioned hard inquiries as reported. The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit hard inquiries are the 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 2025-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX Wells Fargo unilaterally changed the terms of my checking and savings accounts. Around XXXX, Wells Fargo took over my accounts when they bought Wachovia Bank which offered the accounts. Wells Fargo assured customers that the terms on my XXXX XXXX account would not change due to the purchase of Wachovia Bank. The terms included no fees on my checking and savings accounts and that interest would be accrued on both accounts. Recently, Wells Fargo reneged on this guarantee and is now charging fees on my account if my balance falls below {$2500.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation