vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 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: AZ

Complaint narrative:
I am a victim of the TransUnion and Experian data breaches, which exposed my personal and financial information. As a result, several unauthorized and inaccurate accounts were opened and reported on my credit file. These include Capital XXXX accounts reported as charged off and collections, and collection accounts from XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX ( XXXX ). I have never authorized or opened these accounts. I submitted disputes to have these items removed under 15 U.S.C. 1681 and 1681c-2 of the Fair Credit Reporting Act, which requires deletion of fraudulent and unverifiable information resulting from identity theft. I am requesting immediate removal of all negative items and written confirmation once completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: WA

Complaint narrative:
I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this second-round dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report. 
XXXX XXXX XXXX * * * * * * * * * Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX XXXX * * * * * * * Balance Owed : {$0.00} XXXX XXXX * * XXXX * * * * * * * Balance Owed : {$0.00} WC / XXXX * * * Balance Owed : {$1400.00} XXXX CRED ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX * * * Balance Owed : {$570.00} XXXX CRED ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX * * * Balance Owed : {$570.00} XXXX CRED ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX * * * Balance Owed : {$550.00} XXXX CRED ( Original Creditor XXXX CXXXX XXXX ) XXXX * * * Balance Owed : {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO 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 2025-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I believed Amex mis-closed all my credit cards. 
Earlier today ( XXXX ), I simply added a new payment method ( my XXXX XXXX XXXX checking account ) to my Amex credit cards for upcoming payments. Shortly after doing so, I found out that all of my Amex cards were closed without any clear explanation. 
When I contacted customer service, the representative was unable to provide any specific reason for the closure and only directed me to read the Cardmember Agreement. I have reviewed the agreement thoroughly and have found no indication that I have violated any of its terms. I didn't do anything wrong with my Amex credit cards. I always my balances in full and on time ; I recently paid the expensive annual fee for my care, I have a Membership Rewards balance of XXXX points, they just don't want to give the points back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
CFPB Complaint Narrative ( TransUnion / XXXX ) File Number : XXXX I am filing a formal complaint regarding inaccurate credit reporting by TransUnion, based on information furnished by XXXX XXXX  concerning my former mortgage account. 

TransUnion is currently reporting a 60-day delinquency for XX/XX/XXXX. This information is factually incorrect and contradicts both XXXX  own records and the data reported by other credit bureaus. 

XXXX  previously reported a 90-day delinquency for XX/XX/XXXX but, after review, determined the reporting was inaccurate and has removed the derogatory remark. 

XXXX  never listed a delinquency or active XXXX account for this loan. 

XXXX acquired my mortgage from XXXX XXXX  in late XXXX. During that transition, I temporarily lost access to the XXXX payment portal. XXXX  representatives confirmed a 90-day grace period would apply during the system transfer, and I made every effort to remain current, including payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The loan was paid in full and closed in good standing on XX/XX/XXXX. 

Therefore, the TransUnion entry of a 60-day late in XX/XX/XXXX is inaccurate and misleading under the Fair Credit Reporting Act ( FCRA XXXX and XXXX ), which requires furnishers and credit bureaus to ensure data accuracy and consistency. 

This single incorrect derogatory remark has already caused material harm, delaying approval of financing for a historic restoration project in XXXX, South Carolina, which is scheduled to close in early XX/XX/XXXX. 

Attached documentation includes payment records, correspondence from XXXX, and copies of XXXX correction notice.

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 2025-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Mailed in paperwork of investigation over 30 days on new investigation is open or answer back to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year>2025 thief tried to open XXXX card in my name. Caught it because email sent by Capital One told me they are sending me the card. I called and had it canceled. They closed my online account had me open another and reissued me a card. I wrote sending proof of identification and address etc to get the address the identity thief was using and received it. On XX/XX/scrub> 2025 the thief called in and canceled my credit card. I got an email from Capital One telling me my new card is on it's way. That's how I found out. Since then and after calling Capital one at least XX/XX/XXXX times with them assuring me my account was flagged and it won't happen again I have had XXXX cards canceled by the thief and the thief reissued another. Or he'd get a copy sent to him. XXXX timed i had to close my online account and get a new one because of the thief canceling my card and ordering a new one. Each time I had to call in and stop it and cancel my card because of it. I even set up a password that had to be verified before any changes were made they still let the thief change my account and order another card to " an address not associated with my account ''. This has caused me undue stress. XXXX XXXX has been elevates. I still don't have a credit card because everytime they attempt to send XXXX out they let the thief cancel it and resend another to them. Capital One needs to be held accountable for their negligence and unwillingness to create a system of verification all around their system that the thief can not bypass. A check system over the phone other than verifying address and last XXXX digits of social which an identity thief has. The thief even bypassed the check system and ordered a card through their automotive system. I have copies of all the emails from Capital One, The call logs. I even went into the bank and had a manager call. The fraud rep tried to reissued me the card the thief ordered that i had canceled. This is gross negligence

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK
State: GA

Complaint narrative:
We are a small property management company in XXXX, XXXX On XX/XX/year> prospective tenants ( XXXX XXXX XXXX XXXX XXXX XXXX paid a {$1200.00} deposit towards an apartment with a move-in day of XX/XX/year>. However, on XX/XX/XXXX, they advised that they did not have the money to pay XXXX rent, so we decided to return their deposit. 

XX/XX/year> we initiated the deposit refund though our property management portal ( XXXX ) XXXX XXXX XXXX XXXX advised that they had not received the refund. We reached out to XXXX and were told that it takes 7 to 10 business days. We communicated that to XXXX XXXX. However, she proceeded to file a fraud claim for the {$1200.00} they paid on XX/XX/year> with her bank ( XXXX XXXX ). Dispute fees were also deducted from our account. We reached out to XXXX immediately. 
XX/XX/year> According to XXXX, XXXX XXXX deemed it a credible dispute. We asked XXXX to stop the refund and they advised that it was not possible and informed us that when we signed up to use their services, we authorized XXXX XXXX  payment processor ) to act on our behalf and that it was unfortunate that the tenant initiated a dispute while the refund is still processing. Suggesting that we reach out to the tenant and ask them to return the money to us. 
We reached out to XXXX XXXX and she denied filing a fraud claim and having received the deposit refund of {$1200.00} twice. 
On our First Horizon bank account statement we have confirmation that the funds were withdrawn from our account twice, but neither XXXX nor XXXX XXXX is providing us with the recipient 's account number or the recipients name which leaves us without the possibility of pursuing this matter in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXX -- -- Opened : XX/XX/XXXX XXXX  # XXXX -- -- Opened : XXXX XXXXXXXX XXXX XXXXXXXX XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX  XXXX XXXX # XXXX -- -- Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 2025-10-24 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXX -- -- Opened : XX/XX/XXXX XXXX  # XXXX -- -- Opened : XXXX XXXXXXXX XXXX XXXXXXXX XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX  XXXX XXXX # XXXX -- -- Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On XX/XX/year>, I contacted TransUnion regarding my active credit disputes, but the representatives I spoke with completely ignored my dispute concerns and failed to conduct a reasonable reinvestigation, which is a direct violation of 15 U.S.C. 1681i under the Fair Credit Reporting Act ( FCRA ). 

I spoke with XXXX different representatives, and each provided inconsistent and conflicting information. One representative, XXXX ( XXXX # XXXX ), stated that the account had been verified and that TransUnion needed documentation from the creditors. However, this statement confirms that TransUnion relied solely on the furnishers response rather than conducting their own independent investigation as required by law. 
When I asked about the method of verification, I was told it was verified by the creditors. This demonstrates that TransUnion did not perform an actual reinvestigation but simply accepted the creditors data without review a practice the courts have already found unlawful. The other XXXX representatives told me they couldn't locate my certified tracking number, which is XXXX, even AFTER they told me the investigation was completed... which makes no sense. 

This behavior mirrors prior legal action against TransUnion for similar misconduct. In a recent lawsuit and CFPB enforcement action, TransUnion was ordered to pay over {$23.00} XXXX in restitution and penalties for failing to properly investigate consumer disputes and for continuing to report inaccurate information after being notified of errors. Despite this, TransUnion continues to disregard its FCRA obligations and repeat the same violations. 
I provided all required documentation including my dispute letter, ID, Social Security number, certified mail tracking number, and a utility bill as proof of address yet TransUnion still refused to perform a proper investigation. Instead, they claimed they never received the disputes, even though they were submitted properly and contained all identifying information. 
In summary, TransUnion : Ignored a valid dispute under 15 U.S.C. 1681i Failed to conduct an independent reinvestigation Provided inconsistent and misleading responses Relied solely on the creditors verification Continued reporting inaccurate information This pattern of negligence and noncompliance shows that TransUnion is still violating the FCRA, despite being penalized for the same unlawful behavior just recently.

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION
State: OH

Complaint narrative:
Hi the reason I'm contacting you is the information on my report states that I was driving with an impaired mindset which was not the case whatsoever that's not what I was charged for in the date was XXXX which is incorrect it happened in XXXX so that would be off my record which would help me get this job and with being in XXXX that's incorrect so I need to get that off of there and get the right date corrected they might even be XXXX I'm not sure thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I recieved 2 unknown transactions as well as a few XXXXXXXX XXXX transactions. 1st charge was for {$60.00} on XX/XX/year>. The second charge was for {$79.00} on XX/XX/year>. 

I didn't get the first agents name I spoke with on the XXXX. But i was able to receive a name for the XXXX, I was charged a second time. XXXX with Wells Fargo.

I belive they need to be investigated otherwise I am more than willing to take legal action if necessary.

The first charge was apparently made with my last debit card so I requested a new debit card replacement on the XX/XX/XXXX. I then receive an email today ( XXXX the XXXX ) telling me that there has been a charge with my new debit card, which I have yet to receive or activate. 

Both of these charges were apparently made to " XXXX ''. 

Which I have no knowledge or never given discretion to. 

I belive that there are individuals within the company ( Wells Fargo ) who are commiting fraud and soliciting my 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 2025-10-23 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: FL

Complaint narrative:
PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : XXXXXXXX XXXX XXXX - Acct # XXXXXXXX XXXX XXXX XXXX XXXX - XXXX late payments - Balance {$5000.00} XXXX XXXX XXXX - Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX late payments - Balance {$1700.00} XXXX XXXX  - Acct # XXXX - XXXX late payments - Balance {$1700.00} XXXX XXXX - Acct # XXXX - XXXX late payments - Balance {$7200.00} XXXX - Acct # XXXX - XXXX late payments - Balance {$4100.00}

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 non-monetary relief