vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00} XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX  continues to report the account as verified. But is has not provided the following : 1. The name and contact information of the furnisher who verified the account 2. A detailed description of the verification procedure 3. All documentation used to verify the accuracy of the tradeline This violates my rights under FCRA 611 ( a ) ( 7 ) and 611 ( a ) ( 5 ), which require deletion if the account can not be verified.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
This complaint is for willfully violating the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) by reporting a XXXX  that is unverified, inaccurate, and obtained from an unauthorized XXXX  party. 

XXXX  courts do not furnish or verify consumer data to credit bureaus or data brokers. Therefore, any reporting of this bankruptcy is based on unverifiable hearsay, which is explicitly disallowed under federal law. 

I have already disputed this directly and submitted documentation showing that the court does not verify or report this information. Despite this, the item remains. 

Failing to verify with the source of information in this case, the court is a violation of the FCRA. Continuing to report this information after being notified of its unverifiability demonstrates willful noncompliance and has caused harm to my creditworthiness. 

I am requesting the immediate removal of this unverifiable XXXX  and a full investigation by the CFPB into the bureau 's practices regarding the collection and use of public records.

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 2025-08-05 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:
This complaint is being filed to request that Experian block and remove fraudulent information from my consumer credit report in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). Under this provision, Experian is required to block such information within XXXX ( XXXX ) business days of receiving this notice. 

The information in question includes multiple unauthorized accounts and hard inquiries that were made without my knowledge or consent, and are the direct result of identity theft and fraud. The following accounts are fraudulent and must be deleted from my credit file : XXXX - Account XXXX - Opened XX/XX/XXXX with balance of {$2400.00}, XXXX - Account XXXX - Opened XX/XX/XXXX, XXXX  XXXX XXXX - Account XXXX XXXX  Opened XX/XX/XXXX with balance {$3000.00}, XXXX  XXXX XXXX - Opened XX/XX/XXXX with balance {$4300.00}, XXXX XXXX XXXX - Account XXXX - Opened XX/XX/XXXX with balance {$4500.00}, XXXX XXXX XXXX XXXX Acct XXXX - Opened XX/XX/XXXX with balance {$2100.00}, XXXX XXXX XXXX XXXX Acct XXXX Opened XX/XX/XXXX with balance of {$1100.00}, XXXX XXXX XXXX - Opened XX/XX/XXXX with balance of $ XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX with balance of {$5500.00}. XXXX XXXX XXXX - Opened XX/XX/XXXX with balance of {$2100.00}. The following fraudulent inquire are XXXX Inquired on XX/XX/XXXX All of the above accounts and inquiries are not mine. To support my claim, I have attached a copy of my FTC Identity Theft Report ( Criminal Complaint XXXX  XXXX ) filed with the XXXX Federal Trade Commission, which affirms these items as fraudulent.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any informat
ion relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: OR

Complaint narrative:
I, as a customer of have experienced identity theft, fraudulent transactions and miss identification of accounts with the financial institution known as Wells Fargo. For the past XXXX months, I've inquired hundreds of dollars in fraudulent charges as well as overdraft charges. I do NOT have overdraft protection. Yet, they would authorize hundreds of fraudulent online charges and I would be responsible for those charges. The final act was in the end of XX/XX/year> some old checks of mine were written, XXXX for XXXX and XXXX for XXXX and deposited into my account. Didn't they realize the name on the checks and the name who was made out to were the same name? Then several days after they emailed me stating that on XX/XX/year> they would be closing my account after a " review '' that they did because I was high risk. My direct deposit came in Wednesday, XX/XX/year> and they didn't release it to me until XX/XX/XXXX. In fact, when I called on the first, I asked the lady when I would be gettingmy money, she told me I'll get it when I get it., then I filed a complaint and told them I would see them in court. They emailed me back this morning stating they've completed their investigation and that there was no wrong doing on their part. When I told the representative on the first that it was Friday and my rent is due by XXXX XXXX  She told me, " we'll use a dropbox ''. I was the victim for months. They treated me like a common criminal. They need to be held accountable. I've had to pay in several ways for other people 's wrongdoings and Wells Fargo punished me. I've been with them for quite some time and NEVER had any issues until this. They're lucky I don't sue them for all of the emotional distress this has caused.

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 2025-08-05 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion Consumer Solutions\XXXX XXXX XXXX XXXX XXXX Rest to Block and Delete Fraudulent Accounts  Identity Theft Victim\n\nDear Transunion Consumer Services,\n\nI am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the TransUnion data breach, and unauthorized accounts have been fraudulently opened in my name.\n\nThe fraudulent accounts that I have identified on my credit report are as follows:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUnder 15 U.S.C.  1681c-2(a), I request that Transunion promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.\n\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\n\nIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.\n\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity.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 non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: HI

Complaint narrative:
XXXX XXXX XXXX I am in receipt of your Letter XX/XX/XXXX. I think we need to re-establish the single most important fact in this issue. XXXX XXXX did not cause this issue. He did exactly what he had done for the last XXXX  years. Either American Express or XXXX XXXX  is responsible for an error resulting in the outcome to date. You suggest that your investigation may not be the outcome I preferred and in the same statement you hope you addressed my concerns. What a paradoxof course its not what I preferred. American Express did not address anything that could possibly resolve the issue. I have attached an email from my Bank President whom I encouraged you to contact early on which you apparently ignored. So far, the bank has completely cooperated indicating they never received a request for payment on XX/XX/year>, yet they did on XX/XX/year>. That said, I cant just assume American Express is telling the truth. Its just as likely American Express could have experienced a system glitch as my bank. As XXXX XXXX explains, they need this information to further determine what happened. What you guys are doing is questionable yet clearly violates the spirit of the Law. 
Your letter is not an explanation ; its an excuse to retain {$4000.00} in unearned penalty interest. I will ask one more time for the information needed to resolve this issue. If you continue to refuse, I will have no choice than to petition the court to order the disclosure of this information to assist in solving the problem! Its time for American Express to cooperate in solving this mystery! If I havent heard from you within a couple of weeks, I will proceed to petitioning the court.

1. Provide the banking data that was sent to XXXX XXXX requesting paymentthe account number and routing number sent from my private payment portal.

2. Did American Expresss system automatically delete banking information when a payment is returned as I have been told?

3. Verify with documentation that the request for payment actually went to XXXX XXXX. 
4. Provide with documentation the response received back from XXXX and if it was indeed from XXXX. 
5. Provide and explanation of why there was apparently confusion with your customer service over what they saw as an incorrect routing number.

6. Did American Express attempt to re-present payment request more than once as suggested on the statement. 
7. You say the application of a penalty rate is advised on my billing statement. I was told that once before, that a warning about a returned payment was on my statement. There is no such advise on my statement. Why are you saying it is? I have attached my XX/XX/year> statement. If you can find such advice, please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
CEASE AND DESIST DEMAND * Re : Account Ending in XXXX To : Resurgent Receivables, LLC From : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Date : XX/XX/year> Subject : Cease and Desist All Communication Regarding Alleged Debt This letter is a formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), directing you to immediately cease all communication with me regarding the above-referenced account. 

You are further notified that reporting this account to the credit bureaus constitutes a form of communication. The FDCPA defines communication at 15 U.S.C. 1692a ( 2 ) as : The conveying of information regarding a debt directly or indirectly to any person through any medium. 

By furnishing this alleged debt to XXXX XXXX XXXX XXXX, you are conveying information to a third party through a medium ( credit reporting ) which fits squarely within the statutory definition. 

Therefore, any future credit reporting activity related to this debt will constitute a continued attempt to communicate with me, in violation of this cease and desist. 

Demand : Stop all collection efforts and communication of any kind regarding this account. 

Cease any and all credit reporting or furnishing of data related to this account to any consumer reporting agency. 

If you believe you have the right to continue reporting, provide a written explanation citing your legal basis, including proof of permissible purpose.

Failure to comply may result in complaints filed with the CFPB, FTC, state attorney general, and consideration of legal action for continued violations of federal law. 

This letter has been sent via [ insert method : XXXX XXXX XXXX, etc. ] and will be retained as part of the record. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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:
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 2025-08-05 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One took over for Kohl 's and are charging XXXX different interest rates on the same day. This has Stated in XXXX when they took control of Kohl 's cards. Can't wait to see what they do since the took over XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: IL

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation