vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 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: KS

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 2025-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I mobile deposited a XXXX XXXX XXXX check for {$2000.00} in my wells fargo account on XX/XX/year>. This amount was removed from my account on XX/XX/year>. I received the insufficient funds notice and a substitute check in the mail, but that was a completely different check written out to a different person for the same amount by the same payer. 
I checked with the payer, and they confirmed that they did have funds when I deposited my check. 
On XX/XX/year> I visited the branch in XXXX and nobody was able to help me and they suggested me to call their customer service number. The agent I talked to also had no idea how this could have happened and asked me to wait a few days until they investigate. Additionally, since then, they removed my access to the deposited check image from my mobile app. 

My problem is, that amount was crucial for my monthly payments and when I call the number they listed under " submit a claim for a refund if you have suffered a loss '' the automated answering machine had no options listed to ever get to that claim.

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
My XXXXXXXX XXXX XXXX, opened in XX/XX/year>, is not appearing on my TransUnion credit report. This is my oldest credit account, and its absence is significantly lowering my average age of credit, misrepresenting my credit utilization, and materially harming my score. 

XXXX has confirmed on multiple occasions that they are reporting this account to TransUnion. However, TransUnion insists they do not have it and that the issue lies with XXXX. I have contacted both companies numerous times and have not received any resolution. 

As of today, my XXXX  score is XXXX, which reflects my true credit profile. My TransUnion score has dropped dramatically without cause, solely because this account is missing. My credit habits have not changed. I pay in full monthly, use under 10 % of my credit limit, and have a perfect payment history. 

I am requesting that this issue be investigated and resolved immediately so that my TransUnion report reflects accurate information. This situation is causing real harm to my financial standing.

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 2025-08-09 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: FL

Complaint narrative:
Subject : Inaccurate and unverifiable information on my credit report XXXX XXXX XXXX Description : I am disputing inaccurate and unverifiable information reported by TransUnion related to an account from XXXX XXXX XXXX reported as Charge-off . There are inconsistencies in the Date of First Delinquency, estimated removal dates, and historical balances compared to other credit bureaus. I requested documentary verification under FCRA 611 but was not provided with the original signed contract or account statements. I request TransUnion to conduct a full reinvestigation and remove the account if it can not be properly verified. 

Request : Complete documentary verification of the debt. 

Immediate correction or removal if proof is not provided. 

Investigation into discrepancies found.

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 2025-08-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Illegal Reinsertion of Deleted Collection Account Equifax and Transunion Violation of FCRA 611 ( a ) ( 5 ) ( B ) Summary : I am filing this complaint because Equifax has allowed a previously deleted collection account to be reinserted onto my credit file by a different debt collector ( XXXX XXXX XXXX ), without providing the legally required notice within 5 business days, as outlined in the Fair Credit Reporting Act ( FCRA 611 ( a ) ( 5 ) ( B ) ). 

Details : - The original collection was reported by XXXX XXXX XXXX and was deleted from my report. 
- The same account was later re-reported by XXXX XXXX XXXX for the same XXXX balance of {$480.00}. 
- I was never notified by Equifax within the required 5 business days that the account had been reinserted. 
- I formally disputed the account, and Equifax responded that it was " verified as accurate '' without removing it or providing documentation of proper reinsertion. 

Requested Resolution : I request the CFPB to investigate Equifaxs noncompliance with FCRA procedures and require that they : 1. Delete the XXXX XXXX XXXX tradeline from my credit file.

2. Provide proof of proper reinsertion notice, or acknowledge the FCRA violation and remove the account.

Supporting Evidence : - Dispute result from Equifax shows the account was verified, not deleted - No reinsertion notice was provided - The reinsertion is of a previously deleted account from a different collector Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: GA

Complaint narrative:
Im filing a complaint, because my creditors are reporting late payments on my accounts. Which are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furnisher. But the late payments remain, without proper validation or documentation. It is my knowledge that the creditors failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding the linked accounts. I am in pursuit of concrete evidence from the creditors bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as Late a sign of an invoicing error therefore.

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 2025-08-09 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
During the pandemic I reached out to Capital One Credit Card to make payment arrangement due to job loss and pandemic effects on my personal life to include getting sick with XXXX. We came to a payment arrangement as I have included a copy in the email. They did not honor the arrangement and closed my account. When I reached out to inquire, why did they close my account and not take the autopay out of my checking account. Which was set during the phone call and was mandatory autopay. They shared that they did not have a record of my call or my payment arrangement and refused to work with me. Here is the proof that I did call and I did have an arrangement and they did not honor it during the Pandemic and closed my account and ruined my credit history. I have reached out multiple times to work this out with no results. 

Copy of email : You're on your way with a payment plan! Thu, XXXX XXXX, XXXX XXXX XXXX XXXX Re : Your account ending in XXXX XXXX, This confirms your enrollment in a custom payment plan, an important step to getting back on better financial footing. Congratulations! 

Your payments will be scheduled on a recurring basis, so youre all set. Keep this email handy in case you need to refer to your plan details : Scheduled Payment Amount {$230.00} Payment Frequency Monthly Number of Payments 3 Date of First Scheduled Payment XXXX. XXXX Dont forget, collections calls on this account will stop while youre enrolled in this plan, and once you complete the plan, this account will be up to date. Your plan is subject to the terms and conditions you accepted during enrollment. You can review the Terms & Conditions of your plan below. 

Please note that if your plan is canceled after your next payment has already been scheduled, the payment amount may be deducted from your bank account. Sign in to your account and go to your XXXX XXXX page to check the status of a payment, or you can call us at XXXX for questions about your payment status or anything else about your account. Were available XXXXXXXX XXXX XXXX XXXX XXXXXXXX and XXXX, XXXX XXXXXXXX XXXX XXXX 

Thanks for enrolling and for being our customer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/year> Experian XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Formal Dispute of Inaccurate Credit Reporting Account # XXXX To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my Experian credit report. I previously disputed the account reported by XXXX XXXX XXXX XXXX XXXX, account # XXXX, and requested full validation in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The original creditor for this account was XXXX XXXX XXXX. However, following my dispute, Experian updated the account as " verified '' and changed the original creditor name to XXXX XXXX XXXX, which is a debt buyer and not the original creditor. This is factually inaccurate and constitutes a violation of my rights under FCRA 1681s-2 ( a ) and ( b ). Experian failed to conduct a reasonable investigation as required by law. This misrepresentation is materially misleading and harmful to my creditworthiness. Therefore, I demand that this account be deleted in its entirety from my Experian credit report, as it has not been properly validated and contains materially false information. Please conduct a proper reinvestigation and provide written confirmation of the deletion of this account from my credit file. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/year> Experian XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Formal Dispute of Inaccurate Credit Reporting Account # XXXX To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my Experian credit report. I previously disputed the account reported by XXXX XXXX XXXX XXXX XXXX, account # XXXX, and requested full validation in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The original creditor for this account was XXXX XXXX XXXX. However, following my dispute, Experian updated the account as " verified '' and changed the original creditor name to XXXX XXXX XXXX, which is a debt buyer and not the original creditor. This is factually inaccurate and constitutes a violation of my rights under FCRA 1681s-2 ( a ) and ( b ). Experian failed to conduct a reasonable investigation as required by law. This misrepresentation is materially misleading and harmful to my creditworthiness. Therefore, I demand that this account be deleted in its entirety from my Experian credit report, as it has not been properly validated and contains materially false information. Please conduct a proper reinvestigation and provide written confirmation of the deletion of this account from my credit file. Sincerely, 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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Subject : Illegal Reinsertion of Deleted Collection Account Equifax and Transunion Violation of FCRA 611 ( a ) ( 5 ) ( B ) Summary : I am filing this complaint because Equifax has allowed a previously deleted collection account to be reinserted onto my credit file by a different debt collector ( XXXX XXXX XXXX ), without providing the legally required notice within 5 business days, as outlined in the Fair Credit Reporting Act ( FCRA 611 ( a ) ( 5 ) ( B ) ). 

Details : - The original collection was reported by XXXX XXXX XXXX and was deleted from my report. 
- The same account was later re-reported by XXXX XXXX XXXX for the same XXXX balance of {$480.00}. 
- I was never notified by Equifax within the required 5 business days that the account had been reinserted. 
- I formally disputed the account, and Equifax responded that it was " verified as accurate '' without removing it or providing documentation of proper reinsertion. 

Requested Resolution : I request the CFPB to investigate Equifaxs noncompliance with FCRA procedures and require that they : 1. Delete the XXXX XXXX XXXX tradeline from my credit file.

2. Provide proof of proper reinsertion notice, or acknowledge the FCRA violation and remove the account.

Supporting Evidence : - Dispute result from Equifax shows the account was verified, not deleted - No reinsertion notice was provided - The reinsertion is of a previously deleted account from a different collector Sincerely, 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 non-monetary relief
Consumer complaint received 2025-08-09 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: CO

Complaint narrative:
I gave somebody a ride to XXXX XXXX  from XXXX XXXX Colorado and they sent me the payment but cash app declined it for my protection. They did not protect me at all and now the person is refusing to pay me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: WV

Complaint narrative:
Im contacting you to formally dispute an item currently listed on my credit report that is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, the information in question does not meet the standard of maximum possible accuracy, as required under FCRA Section 607 ( b ).

I take my credit and financial record very seriously, and I expect that anything being reported under my name is fully accurate and properly verified. In this case, that standard is not being met. Whether due to outdated, incorrect, or incomplete reporting, the presence of this item is misrepresenting my credit history and unfairly affecting my financial reputation.

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 2025-08-09 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: NE

Complaint narrative:
In XX/XX/XXXX, I discovered multiple fraudulent accounts and charges on my credit report that I did not open or authorize. These include : A fraudulent mobile phone account with Credence Resource Mana for {$470.00}, opened around XX/XX/XXXX. 
A fraudulent mobile phone account with XXXX XXXX XXXX for {$970.00}, opened around XX/XX/XXXX. 
A fraudulent mobile phone account with XXXX XXXX for {$9600.00}, opened around XX/XX/XXXX. 
A fraudulent online shopping/payment account with XXXXXXXX XXXX XXXXXXXX XXXX for {$11000.00}, opened around XX/XX/XXXX. 

I have never conducted business with these companies and did not authorize these accounts. Upon discovery, I filed an FTC Identity Theft Report and requested immediate investigation and removal of the fraudulent accounts from my credit file. These accounts remain on my credit report and are negatively impacting me. I am requesting the companies to verify their records, remove these accounts, and correct any resulting inaccuracies.

Company response to consumer: Closed with non-monetary relief