vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 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: WI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax 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 : 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 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, Balance : {$1400.00} 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 FICO 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, XXXX as proof from the XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Complaint Against : TD Bank USA, N.A. ( Target Card Services ) Product : Credit card ( Target Circle Card ending in XXXX when it was open, the replacement card ends in XXXX ) Issue : Fraudulent charges/billing error dispute mishandled What happened : On XX/XX/year>, I opened a Target Circle Card online and made XXXX legitimate purchases ( {$140.00}, {$20.00}, {$40.00} ). I never received the physical card in the mail. On XX/XX/year>, I received an email stating my card was activated even though I did not activate it. Shortly after, multiple fraudulent charges totaling {$7700.00} were made between XX/XX/year> at merchants I have never used. 

I immediately called Target Card Services and reported the fraud. They mailed me paperwork, which I returned on XX/XX/year>. They confirmed receipt on XX/XX/year>. Under the Fair Credit Billing Act ( FCBA ), they are required to resolve disputes within 90 days of receipt in this case, by XX/XX/year>. 

Despite repeated follow-ups, they : Changed their statements about when paperwork was received. 

Refused to issue a provisional credit while investigating. 

Failed to resolve the case within the XXXX legal deadline. 

Continue to require me to make minimum payments on fraudulent charges to protect my credit history. 

Added interest charges to fraudulent transactions. 

On XX/XX/year>, I even made a minimum payment of {$270.00} on transactions I did not make. 

As of today ( XX/XX/year> ), they have missed the XXXX deadline and still can not provide an answer or resolution. 

What I want : Immediate removal of all fraudulent charges ( {$7700.00} ). 

Reversal of all interest and fees charged on fraudulent amounts. 

Refund of the {$270.00} payment I was forced to make. 

Written confirmation that my credit report will not be negatively impacted. 

I have attached : Fraudulent statement ( XX/XX/year> ). 

Police report ( XX/XX/year> ). 

Timeline of calls and actions.

This is a clear violation of the Fair Credit Billing Act. I am requesting urgent CFPB intervention.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I am writing to formally request your direct assistance in resolving multiple unauthorized charges that have been made on my American Express account. Despite my previous attempts to resolve this matter through Amex customer service and fraud departments, the charges remain, and I have not received an adequate resolution. The only charge that was authorized which I explained to Amex customer service department occurred on XX/XX/XXXX for the amount of {$300.00}. The rest of the charges were unauthorized and were made by my previous partner without my knowledge, presence and consent. Per the Fair Credit Billing Act, cardholders are not responsible for unauthorized use of their card if it can be demonstrated that no permission was given for the disputed transactions. Also, under the American Express Fraud Protection Guarantee, I am not responsible for unauthorized charges made by individuals without my permission, and I believe I have been misrepresented and wrongfully charged.The disputed transactions occurred between XX/XX/XXXX through XX/XX/XXXX and totaled {$5000.00}. 

I did not authorize these transactions, nor did I receive or benefit from any goods or services related to these charges. Despite my good-faith efforts and providing supporting evidence the Fraud Department and the American Express XXXX XXXX has denied my claim and placed responsibility on me without adequate explanation. I am disappointed with the response I have received thus far, especially considering American Expresss long-standing reputation for prioritizing cardholder protection and exceptional customer service. According to Federal law, specifically Regulation Z of the Truth in Lending Act ( TILA ) any action to enforce cardholder liability must be supported by proof that the charges were either authorized, or that the conditions of liability for unauthorized use have been met. Per 15 U.S.C. 1602 ( o ), unauthorized use is defined as use by a person without actual, implied, or apparent authority and from which the cardholder receives no benefit.

I have been a loyal/ responsible American Express customer since XXXX and value our relationship. American Express are the ones who should have been in my corner as a customer and in the conversations we had thus far I have been done an injustice. Looking at my history, I have never been late on a payment or have disputed any charges on my account. However, I am deeply concerned about how this issue has been handled to date. 

As stated above, I revoked access to my card immediately after the initial authorized purchase. Therefore, any further use by the individual lacked any form of authority. I have received no benefit from these charges, and they qualify as unauthorized under Federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2025-09-02 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: CA

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 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 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 XXXX 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, Balance : {$4200.00} 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 FICO 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, XXXX as proof from the XXXX 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 2025-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I was selling some of my used electronics from my old XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) and used PayPal XXXX XXXX XXXX since it offers buyer protection. After selling a few items, PayPal asked for some personal information ( i.e. shipping info for the items, proof of purchase, my ID, etc. ) and I submitted all of it accordingly. A few days later, I was informed that my account was being permanently limited due to so-called " high risk, '' even though I had shipped the items out and the buyers had received them, and confirmed to me that they work. I went to paypal support and they didn't give me any additional info.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-09-02 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: FL

Complaint narrative:
I sent a wire transfer in the amount of {$2000.00} from my XXXX account to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I confirmed the money was sent and received by a XXXX representative. I have sent many wires to this account and routing number in the past with no issues. This wire never made it to my account in XXXX XXXX XXXX  is telling me they don't have the money. I have tried there customer support with no help what so ever. They just keep telling me they don't have the money but i know they do. It has left my account and went to the exact same account and routing number I've always used and i also confirmed the account and routing numbers many times. I have attached screenshots of the successful wire transfer. 
Also the Federal Reference ID # is Federal Reference ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: NC

Complaint narrative:
I am filing a formal complaint regarding the inaccurate and improper reinsertion of a repossession into my credit profile by [ Creditors Name ] and/or the involved credit reporting agency .

This repossession account had previously been deleted from my credit report following a dispute, as allowed under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 5 ) ( A ). However, it has now been reinserted into my credit file without proper notice, in violation of FCRA Section 611 ( a ) ( 5 ) ( B ), which requires the consumer to be notified within 5 business days of any reinsertion of previously deleted information.

I did not receive any notice from the credit reporting agency or the furnisher, and no new information or certification appears to justify this reinsertion. This is not only a violation of my rights under federal law but also an act of negligent or willful noncompliance with the FCRA, subject to civil liability under Section 616 and 617 of the FCRA.

The reinsertion of this negative account is damaging my credit standing and may be part of a pattern of unlawful credit reporting practices. If this matter is not resolved promptly, I am prepared to pursue legal action against all responsible parties for FCRA violations and seek damages for any harm caused.

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 2025-09-02 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc
State: OR

Complaint narrative:
On XXXX XXXX at approximately XXXX XXXX XXXX- called hunter warfield collections at XXXX, regarding alleged debt. I requested validation, but the representative mumbled their name and it was unintelligible. During the call, i was told i needed to contact their " service department '' before XXXX XXXX XXXX to check status of my the validation request. 
XXXX XXXX - reached out and emailed company to provide debt validation letter. 
-Received correspondence the following day XX/XX/XXXX stating they are working on verifying the information and will be emailed. 
XX/XX/year>, at approximately XXXX XXXX called the XXXX number of the service department at hunter warfield and spoke with XXXX. He stated he is the supervisor and that the information is in holding pattern. I additionally inquired about individuals in these situations and if they provided any written or letter proof of any agreements made. XXXX took an aggressive tone stating they do not provide anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Brock & Scott, PLLC
State: NC

Complaint narrative:
As a XXXX XXXX and non statutory citizen, XXXX XXXX acct XXXX, XX/XX/year> XXXX This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report and I have the right to sue. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability without validation of the debt.

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do and did not validate this debt. Therefore, the following accounts must be deleted from my report upon receiving this document. 
Failure to respond satisfactorily ( within XXXX hours ) with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOWNEBANK
State: NC

Complaint narrative:
My principle payments never or seldom was applied as principle payments instead all principle payments was applied to the loan as installment payments. Despite my many many efforts in 2024 to fix this. Never fixed. Would often be denied contact to higher authority from Customer Service reps. & Once received an email reply in 2024 that issue was resolved. But not because principle payments went right back to being posted as installment payment.

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