vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent activity on it. Under the ( FCRA ) 15 U.S.C. 1681c-2 i am exercising my right to request a deletion of any information on my credit report that is not mine

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 2025-08-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Dispute & Demand for Immediate Deletion of Misleading and Inaccurate Credit Reporting by Capital One Dear Credit Bureau, I am disputing the Capital One account listed on my credit report as both factually inaccurate and materially misleading, in violation of the Fair Credit Reporting Act ( FCRA ), 611 and 623.

This reporting is not only wrong but misrepresents and distorts the true nature of the account, creating a false and damaging picture of my creditworthiness. Federal law prohibits reporting that is inaccurate, incomplete, or misleading in such a way that it can be expected to adversely affect a consumer.

Recent legal actions by the CFPB against Capital One for deceptive and unlawful practices involving XXXX  of dollars in interest charges further undermine the reliability of any data they furnish including the entry on my file.

Under the FCRA, you are obligated to conduct a reasonable investigation within 5 days. If the information can not be verified in full, it must be deleted immediately.

Given Capital Ones current federal scrutiny, verification is unlikely to be reliable or legally defensible.

My demand is simple : Delete the Capital One entry from my credit report immediately and send written confirmation of removal to the address above.

If the disputed information is not deleted promptly, I will escalate this matter by : Filing formal complaints with the CFPB, FTC, OCC, and my state Attorney General.

Initiating legal action for willful noncompliance with the FCRA. 

The most efficient and compliant course of action is immediate deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America has continuously caused me not to have access to my funds by placing blocks and holds on my account. XX/XX/scrub>/2025 is the most recent of the attempts to deny me access to funds. Bank of America tries to create an environment that appears to be fraudulent transactions on your account so that you have to be issued another card. In addition, the banks has help wire transfers and cashier checks longer than any other bank or even any other account holder. I am requesting a full investigation into my account transactions, reported balances, holds on the account, and employee access logs.

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 2025-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
I am receiving a debt collection notice from Credence Resource Management , LLC, claiming that I owe {$3200.00} to XXXX XXXX XXXX XXXX under account number XXXX. The notice, dated XX/XX/year>, states that a settlement offer of {$2100.00} would be accepted if paid by XX/XX/year>. 

I have never had an XXXX XXXX XXXX XXXX account in my life. I have never applied for, signed up for, or authorized any services with XXXX XXXX XXXX XXXX. This debt is fraudulent and not mine. 

The attempt to collect on this debt constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ) because : The debt is not mine, and they are attempting to collect from the wrong consumer. 
Reporting or sharing this false debt with credit bureaus would constitute furnishing inaccurate information in violation of the Fair Credit Reporting Act ( FCRA ). 
The letter causes undue stress and reputational harm by attempting to collect a fraudulent debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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

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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report. I found numerous inquiries from creditors, who I did NOT give my permission to pull my credit report. These inquiries are fraudulent. Please remove these fraudulent inquiries from my credit report. XXXX XXXX2024, XXXX  XXXX-2024, XXXX XXXX2024, XXXX XXXXXXXX XXXX-2024, XXXX XXXX2024, XXXX  XXXX XXXX2024, XXXX XXXX  XXXX-2024, XXXX- XXXX XXXXXXXX,2024, XXXX XXXXXXXX-2024, XXXXXXXX XXXX-2024

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 2025-08-16 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:
I am filing this complaint against XXXX XXXX, Experian, TransUnion, and Equifax for mishandling a disputed account and failure to respond within 45 days : XXXX XXXX  has reported a debt under my name that actually belongs to a different person, based off the original validation XXXX provided XX/XX/2025, which included mismatched personal identifiers. I immediately sent original supporting docs that were provided to me from XXXX showing the debt is not mine, My DL and SSN verifying my identity, Bill and lease showing how long I have been at my address. I then received a second set of documents which I received XX/XX/2025, with altered information, conflicting with their first response which now makes the validity of all documentation unverifiable and inaccurate. 

Experian verified the account XX/XX/XXXX, 2025- despite having clear evidence of mismatched information and conflicting debt validations from XXXX XXXX This contradicts the information provided directly to me and raises concerns about the validity of the verification process. 

TransUnion marked the account as 'Closed ' but did not remove it entirely, even though I provided proof it was not my debt. This still causes harm to my credit and is inaccurate reporting under the Fair Credit Reporting Act. 

Equifax has yet to respond to my dispute but continues to report the account. Which has been 46 days since I notified them via certified mail of the discrepancy and the need for immediate removal. 

These actions clearly violate the ( FCRA ) Fair Credit Reporting Act, as the bureaus : Did not conduct reasonable and thorough investigations. 
Failed to remove inaccurate and unverifiable information. 
( Equifax ) Failure to investigate, respond and resolve within 45 days. 
Also, Experian, Transunion and Equifax- still to this day, have yet to send me written results of their investigation which they are legally required to do within 45days. Again, today now marks day 46 since documents were sent via certified mail.

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 2025-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I was a Wells Fargo customer for nearly 20 years with no history of fraud. In XXXX, I was the victim of a loan scam. The scammers deposited fraudulent checks into my Wells Fargo account. I never ordered checks, did not knowingly authorize fraudulent activity, and did not benefit from these deposits. 

As soon as I realized the situation, I reported it to Wells Fargo and opened a fraud case. Despite my cooperation, Wells Fargo reversed the fraudulent deposits, closed my account, and now claims I owe {$1400.00}, which represents funds that the scammers stole. 

I dispute this alleged debt. Wells Fargo has refused to provide documentation of their investigation or explain why I am being held liable for fraud committed against me. This violates fair banking practices and my rights under the Fair Credit Reporting Act.

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC
State: PA

Complaint narrative:
[ XXXX XXXX ] [ XXXX, Tx ] [ ( XXXX ) XXXX ] [ XXXX ] Date : [ XX/XX/year> ] Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Cease and Desist Notice Account Number : XXXX To Whom It May Concern, I am writing to formally request that Jefferson Capital Systems , LLC, and any of its agents, representatives, or affiliates, immediately cease and desist all communications with me regarding the above-referenced account, except as specifically allowed under federal law. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), once this notice has been received, you are prohibited from contacting me regarding this account except for the following limited reasons : To inform me that collection efforts are being terminated ; or To notify me of specific legal remedies that you are lawfully entitled to pursue. 

Any other attempt to contact me, whether by telephone, mail, electronic communication, or otherwise, will be considered harassment and a violation of my rights under the FDCPA. Please note that I am documenting all communications, and any further unauthorized contact will result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 

This letter serves as my final notice. Govern yourselves accordingly. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: AR

Complaint narrative:
I am formally disputing, the accuracy, integrity, and compliance of the following charge of account reported on my credit file. Under the fair credit reporting act. ( FCRA ) and fair Debt Collection Practices Act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This debt collector has continuously contacted me via text message without my consent, which violated my rights under FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: NC

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. 
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 2025-08-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
To Whom It May Concern : I, XXXX XXXX, submit this formal complaint regarding the unlawful and inaccurate credit reporting practices of XXXX, XXXX, and XXXX  following my documented victimization in the XXXX  data breach.

Facts 1. I was a victim of the XXXXXXXX  data breach, which exposed my personal information and led directly to identity theft. 
2. I filed an FTC Identity Theft Report ( Report # XXXX, dated XX/XX/XXXX ) which details fraudulent accounts that were opened in my name without authorization, including : XXXX XXXX fraudulent account, {$4900.00} ( opened XX/XX/XXXX ) XXXX XXXX XXXX XXXX fraudulent collection account, {$890.00} ( opened XX/XX/XXXX, related to unauthorized medical services ) 3. Despite providing notice and documentation, all three consumer reporting agencies continue to publish negative accounts resulting from this breach and theft.

4. To date, I have not received any Negative Information Notice required by 15 U.S.C. 1681s-2 ( a ) ( 7 ) from any furnisher, further evidencing noncompliance.

Violations of Law 15 U.S.C. 1681c-2 Failure to block fraudulent information after submission of an Identity Theft Report.

15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681i Failure to properly reinvestigate disputed information.

15 U.S.C. 1681s-2 ( a ) ( 7 ) Failure of furnishers to provide required Negative Information Notices. 

Case law reinforces these duties : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) CRAs must do more than parrot furnishers responses ; they must conduct meaningful investigations. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Willful failure to follow procedures creates liability. 
In re XXXX XXXX XXXX XXXX XXXX XXXX Sec. XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX XXXX ) Confirmed the XXXX  breach foreseeably exposed consumers to identity theft

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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint because the three credit bureaus ( TransUnion, Experian, Equifax ) are reporting inaccurate and outdated personal information in my credit file. 
The following information is incorrect and should be removed : Names : XXXX XXXX, XXXX XXXX XXXX ( incorrect variations of my legal name ) Addresses : 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 XXXXXXXX ( all outdated/inaccurate ) Phone Numbers : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX ( all outdated/inaccurate ) The only correct and current information that should remain on file is : Full Legal Name : XXXX XXXX XXXX Current Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX Number : ( XXXX ) XXXX Why This is a Violation Under the Fair Credit Reporting Act ( FCRA 609 & 611 ), consumer reporting agencies are required to maintain accurate and up-to-date information. Maintaining incorrect spellings of my name, outdated addresses, and wrong phone numbers : Creates a risk of mixed files or mistaken identity.

Provides a false basis for verification of debts that may not belong to me.

Is a direct violation of accuracy standards under the FCRA.

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 2025-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: MO

Complaint narrative:
I've done a few transactions with Robinhood ( the business in question ) for a few months of XXXX XXXX XXXX XXXX XXXX  and all went well until around the first week in XXXX I attempted taking MY purchase of XXXX and sending it to my XXXX XXXX XXXX XXXX XXXXXXXX and could not do it because XXXX stated that my account was restricted. this restriction allows me to add funds to my account but not take funds or my purchase of XXXX  out or off XXXX XXXX. I've called support everyday since the XXXX of XXXX and the reps that answer the call say they have no answers about why my account is restricted. I received an email from a representative named XXXX who stated what I assumed would be an answer to why the restriction was place and my hope was they would release my money on the XXXX of XXXX but that never happened, they had me on the phone on hold for an hour, eventually picking up the phone and saying they have no resolution for me. Robinhood should not be able to take a customers money, give then no product and at this point simply hopes I will give up, can't do that, I have grandkids that need that money more the Robinhood! Thanks for any assistance in this matter in advance, and here 's the case XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: AR

Complaint narrative:
I dispute an XXXX tradeline reported as collections/charge-off for {$5600.00}. I sent a certified Demand for Verification received by XXXX on XX/XX/year>. They failed to provide ( 1 ) verified documentation of a lawful debt, ( 2 ) proof of any funds advanced to me or on my behalf, ( 3 ) a contract bearing my wet-ink signature, ( 4 ) lawful authority to report, and ( 5 ) due-process records. 

I mailed a Notice of Default & Final Opportunity to Cure on XX/XX/year> ; XXXX received it XX/XX/year>. They did not cure within 7 days ( deadline XX/XX/year>XXXX  ). XXXX is in default ; the furnished data is unverified and inaccurate. 

Law : Under the FCRA, bureaus must reinvestigate disputed data and delete anything inaccurate or unverifiable ( 15 U.S.C. 1681i ). After a bureau notifies a furnisher of my dispute, the furnisher must investigate, review all relevant information, and correct or delete information that is inaccurate, incomplete, or can not be verified ( 15 U.S.C. 1681s-2 ( b ) ). Please ensure deletion of this tradeline and notify me in writing.

Maxims supporting my position XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( silence where a duty to speak exists is XXXX ), XXXXXXXX XXXX XXXX ( fraud vitiates everything ).

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 2025-08-16 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: TX

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. 
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