vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 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: IL

Complaint narrative:
Subject : Supplemental Complaint False Claim of Deletion by TransUnion ( Complaint No. XXXX ) Dear CFPB, I am submitting this supplemental statement to Complaint # XXXX originally filed against TransUnion on XX/XX/year>. 

In TransUnions official response dated XX/XX/year>, they claimed that they had deleted XXXX ( XXXX ) XXXX accounts from my credit file. However, as of today, these accounts remain on my report and were never removed. This constitutes a false representation to your agency. 

I called TransUnion and spoke with a supervisor who reviewed their system and confirmed there is no record of a complaint from XX/XX/year> or any corresponding deletion on XX/XX/year>. This is extremely alarming and suggests either : A breakdown in XXXX recordkeeping ; Or intentional misrepresentation to a federal regulator. 

This ongoing misconduct has harmed my credit standing and violates several provisions of the Fair Credit Reporting Act, including : 1681i ( a ) ( 5 ) ( B ) : Reinsertion of information without proper notice ; 1681e ( b ) : Failure to maintain accurate records ; 1681n : Willful noncompliance.

I respectfully request that this matter be reopened and escalated for further review, and referred to the Federal Trade Commission for deceptive practices if warranted.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-05-12 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:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Summary of Complaint : I legally changed my name and submitted all required documents to Experian via mail XXXX months ago. Instead of updating my name on my credit file, Experian appears to have suppressed, deleted, or XXXX my entire report! 

I am now completely unable to access my credit report online. When lenders attempt to pull my file, they report that no file is returned. This has severely impacted my ability to conduct essential financial activities. 

I have made multiple attempts to contact Experian by phone but have been unable to reach a human representative through any means. The automated system does not allow escalation or connection to a live agent, even when I select options related to identity issues, fraud, or disputes. 

This is a serious issue affecting my legal and financial identity. Experian is currently violating my rights under the Fair Credit Reporting Act ( FCRA ), which guarantees access to and correction of my credit file. 

I am requesting the CFPB to intervene so that Experian immediately : XXXX. Restores my credit file. 
XXXX. Updates my name based on the legal documentation already submitted. 
XXXX. Provides access to a human representative for resolution. 

Thank you for your help in resolving this urgent matter.

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 2025-05-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year> I called bestbuy credit card services and spoke to supervisor XXXX regarding me being charged {$1700.00} interest I told her I sent a payment of {$1500.00} and they received my payment on XX/XX/year> for a expiring promotional balance that was going to expire on XX/XX/year> my {$1500.00} payment did pay for all of that expiring balance and was allocated somewhere else there for leaving me with a remaining balance and was told thats why I was charged {$1700.00} interest interest I told her that the {$1500.00} was for the promotional balance that was expiring she understood and that she said it was going to be resolved and taken care of but today I called a spoke to agent XXXX she told me that they could if do anything and basically I had to pay the interest and I basically said no Im not I sent you full payment with the {$1500.00} I sent I got no resolution when I was told thats why I would and if would be taken care of

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 monetary relief
Consumer complaint received 2025-05-12 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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of 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 non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of 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 non-monetary relief
Consumer complaint received 2025-05-12 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: LA

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within XXXX days. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
XXXX monthly unauthorized charges by a merchant named XXXX XXXX in the amount of XXXX each. Bank refuses to remove them.

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 2025-05-12 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
XX/XX/year> : XXXX send a series of email stating that my dispute was close and the case is final decision has been decided in my favor. My balance of {$310.00} was refunded. 

XX/XX/year> : XXXX decided to change their decision on a dispute case that was finalized and took {$310.00} from my account balance and return it to the vendor. I contact them and ask for the reason and they reply that they refuse to disclose the reason and put my account on permanently deactivated. 

The transaction that involves are of charitable donations with church community service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: CA

Complaint narrative:
On XX/XX/year> capital one restricted my account accounts while I was using them, there was no fraudulent activity conducted in the use of these credit cards, I provided capital one with all the relevant information that they needed to determine if fraudulent activity was been perpetrated. 

A payment to my cards was done through another individual and not from my own bank account or through my phone. Those XXXX payments were rejected by capital one I was never given a reason why. 

Capital one said I can continue making payments to pay off the balance of these cards. I paid off one balance close to {$2000.00}, the other card had a balance a little over XXXX. I start making payments on that card also from my own checking account. 

I called capital one on XX/XX/year> at approximately XXXX XXXX  I made an inquiry as to the status of the investigation by the fraud department I was told the investigation has been completed and it has been decided not to open my accounts so I could use them. 

Ive had these accounts close to four years perfect payment history when I asked for a copy of their decision as to why they are not allowing my cards to be unrestricted. I was told that they will not provide me with the information on requesting. 

Under XXXX consumer protection, I am aware I capital one is required to provide me with documentation as to the reason they are denying access to my cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: FL

Complaint narrative:
I am asking for your help to review accounts from these companies that are wrongly reporting late payments. After reviewing my credit report, I noticed some accounts showing incorrect late payment marks. There should be no late payment remarks on these accounts, so please remove them and update the accounts to show as positive and current.

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 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
LVNVFUNDG acct # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FEDChex Recovery, LLC
State: SC

Complaint narrative:
Subject : Dispute of Inaccurate Collection Account FedChex Recovery LLC I am writing to formally dispute the accuracy and validity of a collection account reported by FedChex Recovery LLC, which appears on my credit file. The account details are as follows : Creditor Name : FedChex Recovery LLC Reported Balance : {$400.00} Date Opened : XX/XX/year> Status : Placed for Collection Under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX Code XXXX, I have the right to dispute any information I believe to be inaccurate or unverified. I am requesting a formal investigation into this account. If FedChex Recovery LLC can not provide verifiable documentation of this debt including original creditor details, signed agreements, and a full payment history then it must be removed from my credit report under FCRA XXXX XXXX ( a ) ( XXXX ) ( A ). 

Please complete this investigation within XXXX  days and notify me of the results.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/year> I became aware of unusual activity on my Wells Fargo account. Upon recognizing that the transactions were unauthorized, I immediately contacted Wells Fargo customer service to report the suspected fraud and request an investigation. I also took steps to secure my account, including changing my login credentials and filing any necessary fraud reports as instructed. During my initial and subsequent calls to Wells Fargo representatives, I clearly communicated that my account had been compromised without my consent or involvement. I provided all relevant information and documentation requested by the bank to support my claim and to assist in their investigation. 
Despite my cooperation, I was informed shortly thereafter that Wells Fargo had decided to close my account permanently. No detailed explanation was provided beyond a general reference to a violation of terms and conditions, presumably related to the fraudulent transactions. I was not given a meaningful opportunity to appeal the decision or to provide further evidence. I am deeply concerned about the handling of this situation. As a customer who was a victim of cybercrime, I expected Wells Fargo to investigate thoroughly and treat me with fairness. Instead, I was penalized for actions beyond my control. This has caused : Disruption to my finances and automatic payments Damage to my banking history and credibility Emotional stress due to the abrupt loss of banking access I maintain that I had no knowledge of or involvement in the fraudulent activity that occurred on my Wells Fargo account. I took immediate and responsible actions to report the issue and assist in resolving it. The closure of my account, without further discussion or remedy, has left me feeling dismissed and unfairly treated.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, a hard inquiry was reported on my credit, and then a credit card was opened under my name for that bank. I did not issue this credit card ; I think it was fraud or identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I transferred {$200.00} to my cashapp account to allocate my spending money. On XX/XX/2025, I logged onto my cashapp account to see the money gone and multiple unauthorized transactions on my cashapp account. I looked in my wallet to discover my cashapp card stolen. I went through cashapp to report my card stolen and contest the unauthorized charges. I also contacted my local police department and filed a police report. Cashapp continues to not help me in this situation and denies my claims with no explanation. I keep calling and telling them that my card was stolen and the money was used without my authorization. they continue to give me the run around stating that I am unable to speak to the team who processes these claims unless they contact me through email. When I ask for the email to contact them personally, cashapp intentionally withholds this information. I will never use this service ever again as they are just as bad as the thieves who steal from you. This is borderline criminal as any other bank would help you in this situation by returning the stolen money to you. cashapp refuses. It is disheartening to see comments from multiple people online who went through similar situations and was not returned their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-05-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I would like to request a copy of my tenant screening report that may be on file with your agency. As I actively monitor and manage my rental history and credit standing, it is important for me to review the information being reported to ensure its accuracy and completeness. 

Understanding what is reflected in my tenant screening report is crucial, especially as it can impact future housing opportunities. I am committed to maintaining a strong rental profile and want to address any discrepancies that may exist as soon as possible.

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