vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-14 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: AZ

Complaint narrative:
I did not open this account. This account was open in result of 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 2025-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Upon reviewing my Wells Fargo Visa statement I find that the Outstanding Balance is not what is at the top of the working balance of the last payment made on the account. After making a payment on XX/XX/year>2025 of {$170.00} my balance in the working column is- {$1.00}. When you look at the Outstanding Balance at the top of the current posted online statement it is posted {$0.00}. I tried to talk to the second level support at Wells Fargo and he sees the difference but comments that there is a foreigh currency charge pending. It is not shown on my statement. The account balance sheet is corrupted. It reflects 2 different balances. I want this fixed. Wells Fargo seems to think that off the book fees are acceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: FL

Complaint narrative:
I recently obtained my credit report and found information that is inaccurate and harmful to my credit history. Specifically, my credit file contains an account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) that I never authorized to be reported, nor did I give my consent for them to be furnished to any credit reporting agency. 

At no time did I provide written authorization, verifiable electronic consent, or any other form of permission allowing this information to be included in my credit file.

LEGAL VIOLATIONS : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer 's credit file may only contain information obtained for a permissible purpose, which generally requires the consumer 's express consent. The inclusion of this account and the related inquiries in my filewithout documented proof of my consentconstitutes a direct violation of this section and represents the unauthorized use and disclosure of my non-public personal information.

Additionally, under FCRA 605B ( 15 U.S.C. 1681c-2 ), when a consumer submits a report to the Federal Trade Commission ( FTC ) identifying disputed information, the credit reporting agency must block that information within four ( 4 ) business days. I submitted such a report to the FTC ( Report XXXX : XXXX ), which clearly identifies the disputed items. Despite this, Experian continues to report the account and the inquiries, causing ongoing harm.

Experian has also failed to meet its obligations under FCRA 1681e ( b ), which requires that credit reporting agencies maintain only accurate, verifiable, and complete information in a consumer 's file. The lack of verifiable documentation from the furnisher or the agency demonstrates that this legal standard has not been met.

As a result, my credit score has been negatively affected, limiting my access to credit, housing, and other essential financial opportunities. Specifically : I have been denied for legitimate credit applications due to this unauthorized account When approved for credit, I am forced to pay significantly higher interest rates I was recently denied rental housing because of this negative information My insurance premiums are higher due to credit-based pricing This has caused ongoing financial stress and embarrassment

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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:
I recently obtained my credit report and found information that is inaccurate and harmful to my credit history. Specifically, my credit file contains an account ( XXXX XXXX ) that I never authorized to be reported, nor did I give my consent for them to be furnished to any credit reporting agency. 

At no time did I provide written authorization, verifiable electronic consent, or any other form of permission allowing this information to be included in my credit file.

LEGAL VIOLATIONS : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer 's credit file may only contain information obtained for a permissible purpose, which generally requires the consumer 's express consent. The inclusion of this account and the related inquiries in my filewithout documented proof of my consentconstitutes a direct violation of this section and represents the unauthorized use and disclosure of my non-public personal information.

Additionally, under FCRA 605B ( 15 U.S.C. 1681c-2 ), when a consumer submits a report to the Federal Trade Commission ( FTC ) identifying disputed information, the credit reporting agency must block that information within four ( 4 ) business days. I submitted such a report to the FTC ( Report XXXX : XXXX ), which clearly identifies the disputed items. Despite this, TransUnion continues to report the account and the inquiries, causing ongoing harm. 
TransUnion has also failed to meet its obligations under FCRA 1681e ( b ), which requires that credit reporting agencies maintain only accurate, verifiable, and complete information in a consumer 's file. The lack of verifiable documentation from the furnisher or the agency demonstrates that this legal standard has not been met.

As a result, my credit score has been negatively affected, limiting my access to credit, housing, and other essential financial opportunities. Specifically : I have been denied for legitimate credit applications due to this unauthorized account When approved for credit, I am forced to pay significantly higher interest rates I was recently denied rental housing because of this negative information My insurance premiums are higher due to credit-based pricing This has caused ongoing financial stress and embarrassment.

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 2025-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My debit card with Capital One Bank was charged on six different occasions by a merchant that I did not authorize. THESE CHARGES OCCURRED WITHOUT MY KNOWLEDGE FOR THE AMOUNTS OF XX/XX/scrub> 2025 : {$2300.00} USD XX/XX/year>2025 : {$1100.00} USD XX/XX/year>2025 {$1400.00} USD XX/XX/scrub> 2025 : {$730.00} USD XX/XX/scrub> 2025 : {$1900.00} USD XX/XX/scrub> 2025 : {$3600.00} USD A TOTAL OF {$11000.00} USD On XX/XX/scrub>, 2025 I contacted Capital One Bank and told them I was unaware of who the merchant was and never authorized the usage of my card. Capital One denied my claim on XX/XX/scrub> 2025 stating I had prior history with the merchant, there were logins to my account and that the card was used to make other purchase after the fraudulent charges occurred. 

On XX/XX/year>2025 after contacting Capital One Bank I went to the police department and filed a police report as I identified who the merchant was. The merchant was a girl I was semi dating who had access to my wallet in times i was not present while in my home. I sent this information to Capital One Bank as well. 

In addition the the police report I was told by the police it would be advised to visit a local health clinic immediately to screen my XXXX  and XXXX for a XXXX  named, XXXX. This XXXX  is being used in XXXX and XXXX XXXX to commit money related theft by confusing and sedating tourists and then stealing from them. I was tested positive. I also sent this to Capital One Bank. 

On XX/XX/scrub>, 2025 there was a court hearing whereas the defendant in the police report, also the merchant was arrested for both crimes of theft and the administration of the XXXX XXXX 

In this hearing the defendant/merchant in exchange for a reduced sentence agreed to plea guilty and give a statement of admittance. I have provided this admittance of guilt to Capital One Bank and XXXX XXXX XXXX  is still denying my claim. 

I feel with all my efforts and the admittance of guilt Capital One bank should credit my account and reverse these fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: TX

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP
State: CT

Complaint narrative:
On XX/XX/year>, someone impersonating KeyBank gained access to my online banking and used the linked XXXX service to send over {$500.00} from my account to a fraudsters account. I did not initiate or authorize this transfer and I never clicked send or gave anyone permission to move money. 
I reported the incident immediately to KeyBank and filed both a police report and an FTC fraud report. Despite providing these documents, KeyBank denied my dispute, stating the payment was authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Comerica
State: CA

Complaint narrative:
Since XX/XX/year>. I've been experiencing the same what I call roll over issues. When banks do not want to return your money. They will repeat the same messages over and over and over. And act like nobody is responding to them and calling them back. I have proven my identity multiple times. However, this is the legal way to keep ppls money. They will send multiple letters phone calls. And then say we are not responding. And claim problem was solved. As long as this Company has my disability payments. And I'm still homeless. The problem is not solved. This the legal way to keep folks money. Then they will send a letter of forfeiture. I KNOW FOR A FACT THAT COMERICA HAS KEPT PPL MONEY. CLAIMING FORFEITURE. 
I had the same thing happen with XXXX. They verified me. 1 time. And now I'm getting my refund. I have been calling. Emailing calling emailing and these are the responses they give. I also on the XXXX spoke directly with XXXX and he confirmed everything. XXXX has been acting like I haven't responded at all. 
OVER AND OVER AND OVER. IT ACTUALLY APPEARS THAT THEY ARE HOPING IM PROVOKED TO DO SOMETHING CRIMINAL. ( I WONT ) AND I WONT GIVE UP. AND I REFUSE TO SHARE INFORMATION WITH A Company whom I've experienced locks ppl with XXXX out of their accounts. I NEVER AGREED TO Use comerica. Their policies are in humane. And are set up to hold ppl responsible, and to justify how they take folks money. After my experience with my mother in Arizona. I had to literally go in person with my mother and verify everything. Comerica stated I had to be a secondary authoritarian over my mother 's account. And I only wanted to be a contact person in case they locked my mother who had XXXX and XXXX XXXX out again. Sowhen it was time to close the account. I was on a travelling job and my Brother took my mother back in because I traveled for work he didn't want her by herself. So we took her back to him. And I attempted to close the account since they demanded I be an authorized user on that account. They refused to close the account. They never told me my mother had to be present too. That just completely contradicted demanding I be authorized. Except when it came to closing the account. I stated that. There will be no more deposits to that account, it will sit empty. At this point I don't know what's going on with COMERICA/ XXXX XXXX. HOWEVER, they are not a Company I choose to do business with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
This is about my Citi bank XXXX card. 
I received a letter from Citi stating that my interest rate was going up from XXXX To XXXX. When I spoke with a supervisor, she was unable to give me a reason for this increase.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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 a known victim of identity theft. I have been dealing with this already for a few years. I have done everything I was supposed to and filled out all the forms. For the most part, I have been able to rectify this ; however the credit bureaus have failed to remove a few of the fraud accounts and it is really hurting my reputation. I keep sending the documents over and over.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 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 am a known victim of identity theft. I have been dealing with this already for a few years. I have done everything I was supposed to and filled out all the forms. For the most part, I have been able to rectify this ; however the credit bureaus have failed to remove a few of the fraud accounts and it is really hurting my reputation. I keep sending the documents 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 2025-09-14 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: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southern Management Systems Inc.
State: TX

Complaint narrative:
Company Name : Southern Management Inc. 
Amount in Dispute : {$780.00} Type of Complaint : Debt Collection XX/XX/XXXX XXXX XXXX XX/XX/XXXX Complaint Details : I am filing a complaint regarding an alleged debt that Southern Management System Inc. is attempting to collect in the amount of {$780.00}. I dispute the validity of this debt and believe that Southern Management Inc. has failed to provide adequate documentation or proof that I am legally obligated to pay it. 

Despite my requests, I have not received the required written verification of this debt under the Fair Debt Collection Practices Act ( FDCPA ). Instead, the company continues to report this amount on my credit and/or attempt collection activity without properly validating the debt. 

This has caused financial and reputational harm to me. The collection is inaccurate, unverified, and should not be pursued or reported until Southern Management Inc. provides proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I contacted the XX/XX/XXXXXXXX, discovered that said agency hadn't been in compliance withXX/XX/XXXXXXXX ; XXXX since XX/XX/2018I requested validation, but my request was ignored.

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 2025-09-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Dear creditors, This letter is being sent to you in response to : - Response to a listing on my Credit Report.

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( Equifax, Experian or TransUnion ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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 am a victim of identity theft, and I am disputing the account being reported by XXXX ( Account ending XXXX XXXXXXXX ). This account was opened in XX/XX/XXXX and is now showing a balance of {$3500.00}, reported as charged off in XX/XX/XXXX. The account lists a first delinquency in XX/XX/XXXX and a charge-off status beginning in XXXX. 
I did not open this account, authorize this debt, or use any credit from XXXX. This account is the result of identity theft and does not belong to me. The reporting of this fraudulent account is inaccurate and is harming my credit. 
I am requesting that this account be investigated and permanently removed from my credit reports in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681c and 1681i ). I also request that I not be held responsible for any balance, fees, or collection activity related to this fraudulent account.

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