vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: TX

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 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, I contacted the bank again. This time, they told me my account had been closed on XX/XX/XXXX, but my check still hadn't been mailed. This arrogant bank closed my account without cause, and ten days have passed, yet they still haven't mailed the check. I demanded they mail it immediately, but they told me investigators were handling the matter and couldn't give a specific timeframe. I have never seen such an arrogant and disrespectful bank, closing a customer 's account without cause, withholding a customer 's funds for so long, and failing to honor the opening bonus. Isn't this robbery? This has seriously affected my mental and physical health and my life ; I even had to see a doctor because of it. I have never seen such a bank, and I deeply regret opening an account with them. They are simply robbers. I demand they mail my check immediately and honor the opening bonus ; otherwise, I will file a small claims lawsuit. I insist on protecting my legal rights.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Complaint Description : I am disputing two inaccurate former addresses that are being reported on my credit file. The following addresses do NOT belong to me and should not be included in my personal identifying information : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have previously disputed these addresses directly with the credit bureau, but they remain on my report even though they are not associated with me and are not connected to any valid or open accounts in my name. 

These addresses are inaccurate and their continued reporting violates the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to maintain accurate personal information. Incorrect addresses create confusion and may contribute to mixed files or identity verification issues.

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 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened : XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$0.00} UNAUTHORIZED INQUIRY PLEASE DELETE : XXXX - XX/XX/year> XXXX - XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: HI

Complaint narrative:
I am writing once again to address the fraudulent items that continue to appear on my credit report. Despite my previous efforts to resolve this matter, these unauthorized entries persist. 
My credit report contains incorrect personal information, which is causing unknown and inaccurate accounts to appear. I have been a victim of identity theft, with my information used fraudulently, resulting in items on my report that I have never been associated with. 
As instructed by TransUnion, I filed an FTC report and submitted it, yet these fraudulent items remain unresolved.

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 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/XXXX, I attempted a wire transfer at Navy Federal by calling and it was not allowed. The representative recommended I try using ACH/Bill Pay instead. When I attempted the ACH payment next day I received email saying it went thru only to know within seconds that my account was immediately locked, and I lost all online access. 

I have called Navy Federal every day and emailed the branch manager every other day, providing all requested documentation from my side. Despite these efforts, my account remains frozen, and I have received conflicting information : phone representatives at times said my account was closed which caused me to lose sleep and distress, while branch staff said the issue was one step closer to resolution, with no clear timeline. It went from XXXX business days to verify identity to XXXX business days to almost a month now. 

Additionally, the bank I wired from confirmed on that they sent the necessary verification internally, but as of XX/XX/XXXX, Navy Federal still claims they have not received it. This delay is entirely out of my control and is causing significant financial hardship, especially since the nearest branch is over an hour away.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
Our prior CFPB complaint ( XXXX ) involving fraudulent transactions made to our account was resolved, however Target/TD Bank did not fully credit our account properly to reflect a zero balance. Our XXXX statement has a residual balance of {$3.00}, but we personally have not used this card since XX/XX/year>. Each month, another {$1.00} is added to the statement. XXXX shows {$4.00}, XXXX {$5.00}, XXXX {$6.00}, XXXX {$7.00}. I have called twice now, spoke to their customer service and their fraud departments, I'll get someone who looks into the issue and account history, they apologize and say they'll fix it, and yet the problem remains. I'm clearly not getting anywhere with Target/TD Bank , so I'm filing a new CFPB complaint. It's a nominal amount of money, but they were supposed to fix it with the prior complaint since we did not personally incur any charges and our account was used fraudulently. It just doesn't seem to end and we can never get an actual zero balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I am writing to address ongoing contact from a debt collector regarding an outstanding credit card debt. The collector has been calling me repeatedly, demanding payment and using aggressive tactics, including threats of legal action if I do not comply immediately. I would like to formally document these interactions and understand my rights regarding this matter, as this debt stems from an old credit card account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
Last week I first received emails from Wells Fargo regarding the approval of my application to open an account with them. I had not applied for anything with this institution as I closed my account with them in XXXX and was a victim of them using my info after that to later open an account without my knowledge in XXXX ish. There was a large consumer lawsuit regarding this fraud wells fargo committed because it was so wide ranging and affected so many people. 
Presently, I sent the emails to the Wells Fargo phishing email helpline as that is what I thought was going on. I did not click any links within the emails. Several days later I received an alert from a credit agency that an account had been opened under my name with Wells Fargo. I have my credit frozen. I called wells fargo, called to confirm my credit is frozen, and filed a complaint with the SSN admin because my SSN had been used. I was told by wells fargo an investigation would occur and the account had been closed. My confirmation letter should be mailed when this is done, approximately in 10 days. Today, I received yet another notification that an account, this time with the XXXX XXXX. of Wells Fargo ( the first just said wells fargo in the alert and I later learned the fraud originated in XXXX, OR - where I originally opened my account in the late XXXX 's ), has been opened under my name. XXXX is going on with this company?! 
I would like a full investigation into how my personal data is being circulated throughout Wells Fargo without my permission, to open accounts under my name without my permission, over and over.

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 2025-12-02 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:
Recently, I investigated my credit report and found several items to be inaccurate under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report immediately : Experian : 1. XXXX XXXX, Acct # XXXX Reported as Charged Off, {$8800.00} balance. Date Opened- XX/XX/XXXX 2. XXXX  XXXX XXXX, Acct # XXXX Reported as Charged Off, {$3900.00} balance. Date Opened- XX/XX/XXXX Equifax : 1. XXXX XXXX XXXX XXXX Credit Card, Acct # XXXX XXXXXXXX Reported as Charged Off, {$17000.00} balance. Date Opened- XX/XX/XXXX 2. XXXX XXXX Services ( XXXX ), Acct # XXXX  XXXX Reported as Charged Off, {$8800.00} balance. Date Opened- XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX, Acct # XXXX XXXXXXXX Reported as Charged Off, {$4300.00} balance. Date Opened- XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The bank put a hold on my entire account because of a concern over a check. The check was verified Saturday yet the hold remains. I had to repeat the story of my father passing away several times to different people. I've had this bank account for 20 years and I'm being treated like a criminal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: TX

Complaint narrative:
I previously filed a CFPB complaint AND an FTC identity theft report regarding this same XXXX XXXX account. XXXX XXXX responded to my CFPB complaint claiming the account was valid, but they did NOT provide any original signed contract, no proof the account was actually opened by me, no full accounting, and no full chain of title. Their response claimed I opened multiple accounts and that unauthorized charges were unsupported, but they still did not provide any actual documentation proving ownership, consent, or liability. 

After XXXX XXXX gave that incomplete response, the alleged debt was then transferred and sold again to multiple companies without any notice or supporting documentation. The debt has now landed with Absolute Resolutions Investments. 

I requested complete validation from Absolute, including : The original signed contract Full chain of title showing every transfer from XXXX XXXX  each debt buyer Absolute Itemized accounting Evidence the account was legitimately opened by me Proof Absolute legally owns or can collect on it Absolute Resolutions did NOT provide any of the required documentation. They are attempting to collect and continuing to report a debt they can not validate. 

This violates both the FDCPA and FCRA. A company can not collect or furnish information to credit bureaus without proof the debt is valid and legally theirs. 

I am asking the CFPB to require Absolute to either ( 1 ) produce full legal validation with original documents and chain of title, or ( 2 ) delete this account from all credit bureaus and cease all collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: CA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: TX

Complaint narrative:
These are inaccurate items. They show as late payments.

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 2025-12-02 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$510.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
This account does not belong to me and is being reported inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I am disputing a collection account reported by I C SYSTEM ( Original Creditor : XXXX XXXX  ) on my credit report. I have never authorized this account to be reported, and I request its immediate deletion. I have not received proper documentation to validate this debt, including a signed agreement, a breakdown of the amount owed, or proof that I C SYSTEM has the legal right to collect this debt. 

This lack of validation violates 12 CFR 1006.34 ( b ) ( 5 ) and 12 CFR 1006.34 ( c ) ( 4 ) ( i ), and the reporting of this unverified account is illegal under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ) and they also violated 15 U.S.C. 1681b, which restricts the inclusion of accounts in consumer reports without a permissible purpose. The failure to validate this debt and the improper reporting of it has caused significant harm to my credit and financial reputation. 

I request that the CFPB ensure I C SYSTEM provides full validation of this debt and that this account be deleted from all consumer reporting agencies. If unresolved, I will pursue legal action under 15 U.S.C. 1681n and 1681o for noncompliance with 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