vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This is a subsequent complaint in relation to my complaint against debt collector XXXX XXXX. Since their response to my last complaint, sending the notice of collection via cfpb, I see the account they are trying to collect for is a XXXX account, which is XXXX XXXX. This is a fraudulent account as a result of identity theft. As can be seen in the attached identity theft report, I have never lived at this address nor gave permission for any utilities or any other account at this address. Thus, there is a fraudulent account from identity theft being reported on my credit report which needs to be removed immediately. Further, as previously stated, this company XXXX XXXX failed to serve me notice and give me opportunity to dispute this account prior to it being placed on my credit report. This is against fcra rules. Like I said before, I never received this notice that was submitted through cfpb after it was already placed on my credit report. I never received notice because as can be seen in the attached notice they provided, it was sent to the wrong address. Specifically it was sent to the address that the fraud took place. This is why the company can't provide my signature as proof of receipt for this notice I never received to give me opportunity to dispute prior to this being placed on my credit report.

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 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This is a subsequent complaint in relation to my complaint against debt collector XXXX XXXX. Since their response to my last complaint, sending the notice of collection via cfpb, I see the account they are trying to collect for is a XXXX account, which is XXXX XXXX. This is a fraudulent account as a result of identity theft. As can be seen in the attached identity theft report, I have never lived at this address nor gave permission for any utilities or any other account at this address. Thus, there is a fraudulent account from identity theft being reported on my credit report which needs to be removed immediately. Further, as previously stated, this company XXXX XXXX failed to serve me notice and give me opportunity to dispute this account prior to it being placed on my credit report. This is against fcra rules. Like I said before, I never received this notice that was submitted through cfpb after it was already placed on my credit report. I never received notice because as can be seen in the attached notice they provided, it was sent to the wrong address. Specifically it was sent to the address that the fraud took place. This is why the company can't provide my signature as proof of receipt for this notice I never received to give me opportunity to dispute prior to this being placed on my credit report.

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 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am submitting this dispute because unauthorized accounts have been added to my credit report. I did not create or authorize these accounts, and I received no notification of their inclusion. Furthermore, the information shown varies between the credit bureaus, which is a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), requiring maximum accuracy.

This also violates 15 U.S.C. 1681i, which requires disputed information to be promptly investigated and corrected or removed within 30 days, and 15 U.S.C. 1681g, which entitles me to accurate and complete disclosure of all information in my file.

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 2025-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, two fraudulent transactions occurred in my Chase accounts. At XXXX XXXX, {$2000.00} was moved from my savings account to my checking account without my authorization. At XXXX XXXX, {$500.00} was sent via XXXX to a person named XXXX XXXX without my authorization. 

My wife received a call from someone pretending to be from Chases fraud department. They convinced her she was speaking with Chase and tricked her into providing information. As soon as we realized it was fraud, we immediately reported it to Chase the same day.

Chase investigated but refused to refund the {$2500.00}. They only told us that because my wife provided information, they may not be responsible. We believe Chase failed to protect our accounts, and these transactions were clearly fraudulent. We are requesting a full investigation and a complete refund of the {$2500.00} that was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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

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 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
PLRASE REMOVE HARD INQUIRIES, I DO NOT KNOW WHERE THESE CAME FROM XX/XX/scrub>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

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 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
PLRASE REMOVE HARD INQUIRIES, I DO NOT KNOW WHERE THESE CAME FROM XX/XX/scrub>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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX. I received a hard inquiry notification from XXXX XXXX for a XXXX credit card which was approved fraudulently. I contacted XXXX  XXXX to terminate the process which they did and that same day I signed up for all the credit bureaus monthly subscriptions to freeze my reports after this incident

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 2025-09-19 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: VA

Complaint narrative:
I am disputing the late payment reflected on my credit file. This entry is inaccurate and does not represent my payment history accurately. Such reporting causes unnecessary harm to my creditworthiness and should not remain uncorrected.

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 2025-09-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I purchased a new vehicle from XXXXXXXX XXXX XXXXXXXX XXXX, NJ, and took out an auto loan from Wells Fargo at the time of purchase. I paid a wire transfer from my personal checking account ( XXXX XXXX ) and followed the instructions on the Wells Fargo website to pay the loan via wire transfer. The wire transfer was completed ( {$43000.00} ) but not transferred to my auto loan account. I have spoken to representatives from Wells Fargo and XXXX XXXX several times ( including a 3 way call between both banks and myself ) and I was told that the money was transferred into a different Wells Fargo bank account that has the same account number as me- which is the primary issue, this should not be possible. I was then told that the money would be refunded to my checking account, and was instructed to have XXXX XXXX fax a form to Wells Fargo which is a wire transfer refund request ( XXXX  ), which was completed on XXXX XXXX end, however the people I was in contact with at Wells Fargo are no longer answering the phone.

Wells Fargo should not have two open accounts with the same account number - this issue would not have occurred otherwise. I am currently not able to pay off my auto loan because I am missing {$43000.00} from my checking account and therefore do not have the funds. Therefore am acquiring interest on this loan ( at a rate of 7.89 % ) that I attempted to pay in full.

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 2025-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Complaint Against : Capital One Product : Credit Card Issue : Misrepresentation of 0 % Intro APR Offer and Improper Interest Charges I applied for a Capital One credit card based on an advertisement on CapitalOne.com that clearly stated 0 % introductory APR on purchases for 15 months ( screenshot attached ). 

Despite this, Capital One has been charging me over {$150.00} in interest per month on purchases. These charges have totaled several XXXX dollars, which is completely inconsistent with the advertised terms. 

When I contacted Capital One by phone, they informed me that my account does not have the 0 % APR offer, but they could not explain why I was approved under different terms than the advertisement. They also stated there is no way to correct this, even though I applied under the promotional terms. 

I believe this is a clear case of misrepresentation and failure to honor advertised credit terms, which violates the Truth in Lending Act ( TILA ). 

Importantly, I have been paying my balance in full each month in order to avoid interest. The fact that I have the money available in my bank account proves I was unaware that interest was being charged. I reasonably relied on the 0 % APR advertisement when using this credit card. 

I am requesting that the CFPB require Capital One to : 1. Correct my account to reflect the advertised 0 % introductory APR on purchases for 15 months.

2. Refund all interest charges improperly applied to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I hereby contest the late payment and delinquent status currently reported. Those entries are not accurate, and I request that they be updated to Paid as Agreed and all references to delinquency be erased.

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 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing this complaint regarding Cash Apps failure to protect my account during an active fraud incident, which resulted in the theft of {$800.00} from my balance. 

On XX/XX/year>, my account was compromised by hackers. I immediately contacted Cash App support and was actively on chat while the theft was taking place. During that live chat, I repeatedly begged Cash App to lock my card, block XXXX transactions, and secure my account. Despite my clear and urgent requests, Cash App representatives only provided generic instructions and did not take the necessary action to secure my account. 

As a result of their inaction, the hackers were able to : Change my phone number and email on the account. 
Reset my Cash PIN while I was on chat. 
Reverse account blocks I had placed. 
Send money, including XXXX purchases, from my account. 

These actions happened in real time while I was actively reporting the fraud and pleading with Cash App to stop it. Their failure to act directly enabled the hackers to steal {$800.00} from my account. 

I am requesting full reimbursement of the {$800.00} that was stolen due to Cash Apps negligence. I also ask that Cash App provide accountability for why my pleas for immediate account protection were ignored. 

I have evidence of these events, including screenshots of my chat with Cash App support showing my repeated requests for help and their inadequate responses. I am happy to provide these upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
This complaint doubles as a formal debt validation request to Midland Credit Management, submitted via the CFPB to create a documented and traceable communication. I have attached my written request which outlines the documents that are legally required to validate this debt under the FDCPA, including verification of the debt amount, original account documentation, and evidence of their authority to collect on the alleged debt. 
I am submitting this through the CFPB to ensure that my request is acknowledged and that Midland Credit Management is compelled to provide a complete and accurate response in compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Complaint to CFPB Bank of America Unauthorized Withdrawal of XXXX  Benefits Company : Bank of America Type of Complaint : Bank account or service Unauthorized withdrawal Description of the issue : On XX/XX/year>, my XXXX  benefits in the amount of {$760.00} were deposited into my Bank of America account ending in XXXX. On the same day, I transferred the full amount to a different Bank of America account ending in XXXX for personal use. 

On XX/XX/year>, Bank of America took {$440.00} from my account and applied it toward a negative balance in another account ending in XXXX without my consent. When I called the bank to dispute this, I spoke with multiple agents, including XXXX, XXXX, and possibly XXXX, who told me that since the funds had been transferred between accounts, they were no longer considered exempt and could be used to cover my negative balance. 

This is incorrect. Under New Jersey law, XXXX  benefits are exempt from garnishment or withdrawal, even if transferred between accounts at the same bank. The paper trail clearly shows these were XXXX  funds, yet Bank of America refused to return them, providing a false legal justification. 
Supporting documentation attached Bank statements /Screenshots showing deposits and transfers screenshots or documents showing account balances

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