vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

FRAUDULENT ACCOUNTS : 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 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 2025-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XX/XX/year>, Capital One closed my business checking account citing unusual activity related solely to a large withdrawal of my own funds. No fraud was found. At the time of closure, approximately {$16000.00} remained in the account and was supposed to be sent to me. 

Since the account closure, I have repeatedly contacted Capital One by phone to request the release of my remaining funds, a status update, a timeline for payment, and communication with the assigned investigator. I submitted all requested documentation and Capital One confirmed receipt and verification. 

Capital One representatives advised me multiple times that an investigator would contact me within 23 weeks, but no investigator has contacted me. Each call results in the same response with no new information or timeline provided. 

It has now been over 45 days since the account was closed, and my funds continue to be withheld with no written explanation, no investigator contact, and no estimated resolution date. I am requesting the immediate release of my remaining funds or a written explanation for the continued delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: IL

Complaint narrative:
This account does not belong to me and has been reported inaccurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: NM

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

FRAUDULENT ACCOUNTS : XXXX  # XXXX -- Balance : {$720.00} - Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX # XXXX - Date Opened : XX/XX/XXXX XXXX XXXXXXXX # XXXX  -- Balance : {$77.00} - Date Opened : XX/XX/XXXX XXXX  XXXX # XXXX -- Balance : {$64.00} - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX  -- Balance : {$60.00} - Date Opened : XX/XX/XXXX TXXXX XXXX XXXX # XXXX - Date Opened : XX/XX/XXXX XXXX XXXX  # XXXX -- Balance : {$480.00} - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX -- Balance : {$1700.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-12-18 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: NY

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX, I want to file a complaint regarding with my credit report. I have some incorrect information that I found on my file. First, as my last name is XXXX they forgot to add it, only my first name and middle name were reported, I just want to FIX this to avoid confusion in the future. Second, they reported an incorrect last name on my file, XXXX  this is not my last name, It should be UPDATED TO XXXX. Lastly, there are address that I want to DELETE because they are incorrect. XXXX XXXX XXXX, XXXX, PA XXXX, XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX, AND XXXX XXXX XXXX XXXXXXXX, PA XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: CL Holdings LLC
State: AZ

Complaint narrative:
Company being complained about : Jefferson Capital Systems XXXX or XXXX  : Debt Collection / Credit Reporting What happened : I am submitting this complaint regarding the way this collection agency is reporting an alleged debt on my consumer credit report. 

This account is being reported without proper verification and contains inaccurate and/or unsubstantiated information. I previously disputed this account and requested validation, yet the collection agency continues to report the account without providing documentation showing that the debt is accurate, that they have legal authority to collect, or that the information being furnished is complete and correct. 

The continued reporting of this account has negatively impacted my credit profile and does not appear to comply with federal consumer protection requirements. 

{$83.00} {$210.00} {$220.00} {$410.00} {$580.00} What I believe is wrong : The collection agency has failed to properly validate the alleged debt The account is being reported inaccurately and/or without sufficient evidence The reporting appears to violate the Fair Credit Reporting Act ( FCRA ) and/or the Fair Debt Collection Practices Act ( FDCPA ) The agency continues to furnish information that is incomplete, misleading, or unverifiable. 

What I have done so far : I have disputed this account directly and/or through the credit reporting agencies. Despite these efforts, the collection agency has not provided adequate proof or corrected the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I had been issued a XXXX XXXX XXXX card by the CA EDD for unemployment benefits in the summer of XXXX. The last deposit to the account by EDD was for {$810.00} in XX/XX/XXXX. I attempted to use the card in XX/XX/XXXX and found the card had been frozen. When I contacted XXXX XXXX, they said they had detected 6 fraudulent transactions stemming from XX/XX/XXXX through XX/XX/XXXX totaling {$1500.00}. They never informed me of these transactions at the time nor did they inform me that the account had been frozen. Only after I contacted them in XX/XX/XXXX, did they send me a Customer Dispute Form, dated XX/XX/XXXX and requested me to fill it out in order to reclaim the money lost. On XX/XX/XXXX XXXX XXXX sent me the remainder of the money from the frozen account and paid me on 5 of the 6 fraudulent transactions. They stated the XX/XX/XXXX charge of {$500.00} ( from a XXXX XXXX ATM in XXXX, NY ) would not be paid since I did not report it in a timely manner. Please note that I live in CA and have never been to XXXX, NY. I have called XXXX XXXX once a month since appealing this decision. I reported it the same day I became aware of these fraudulent transactions and the one transaction they are denying took place the same week and in the same location as the transaction they did reimburse me for. 

In calling XXXX XXXX ( in XXXX, XXXX, XXXX, XXXX and XXXX ) every representative I have spoken with told me that they were not allowed to provide me with their last names. I have sent 3 e-mails into XXXX XXXX detailing all the events and dates of this case and have been repeatedly denied. I have not been able to speak with any decision maker at XXXX XXXX. I was told that the Dispute Department does not take direct calls nor was I able to be transferred to 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 2025-12-18 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: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: GA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
CFPB Complaint - XXXX Credit Card Company : Wells Fargo Bank Complaint Type : Problem with a XXXX credit card transaction Complaint Details : I am disputed a XXXX credit card transaction made on XX/XX/year> for {$500.00} charged by XXXX XXXX XXXX. I paid this transaction under duress, as I was coerced into payment to release my vehicle and had no reasonable alternative. I explained to the company that made this transaction that I went into the store that owns the parking lot where my vehicle was parked then briefly to another store, they refused to listen to my statement took my vehicle and did not provide me with a detailed receipt when asked. Which is why i proceeded for a dispute with Wells Fargo. 

I submitted supporting evidence ( PDF + PNG ) showing the circumstances, including : - The coercion involved - Poorly visible signage that was not easily seen - I was rushed and * * not provided a detailed receipt when requested * *, nor was I made to sign anything Despite this, my dispute was closed without proper review of my evidence. Representatives cited that XXXX does not have the right to dispute third-party merchants, ' which is incorrect. I requested a supervisor escalation and formal reconsideration, but was told they can not reopen the dispute and no appeal or review was allowed. 

This is a violation of Regulation Z ( Truth in Lending Act ), which requires credit card issuers to investigate billing errors, including transactions made under duress or coercion.

I am requesting that Wells Fargo reconsider this dispute in full and issue a refund for the transaction. If a full refund is not possible, I am requesting a courtesy or goodwill credit due to the circumstances and my account history. 

Attachments : - PDF and PNG of my uploaded documents that were not reviewed Desired Resolution : - Full refund of the disputed transaction or formal reconsideration with proper review of all evidence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: PA

Complaint narrative:
I am submitting this complaint against Equifax Information Services LLC for its continued failure to comply with the Fair Credit Reporting Act ( FCRA ) despite receiving multiple written disputes and a second formal notice regarding inaccurate credit reporting. Equifax has knowingly continued to report false and misleading late payment information on my credit file after being provided sufficient notice and opportunity to correct these errors, causing ongoing harm to my credit standing. 

On XX/XX/2025, I formally disputed inaccurate late payment reporting associated with several XXXX XXXX XXXX XXXX accounts. Under 15 U.S.C. 1681i, Equifax is required to conduct a reasonable reinvestigation and delete or correct any information that can not be verified as accurate. Equifax failed to meet this obligation. As a result, I issued a second written notice on XX/XX/2025, clearly identifying the continued inaccuracies and demanding lawful compliance. Despite this second notice, Equifax has failed to correct or delete the disputed information. 

Equifax continues to report late payments on XXXX XXXX XXXX XXXX Account No. XXXX, even though the account is current and was previously marked as dispute resolved. Equifax also continues to report late payments on Account No. XXXX, which was successfully disputed and closed in good standing. Additionally, Account No. XXXX remains reported with late payments despite having been previously disputed, resolved, and closed in good standing. These negative notations are inaccurate, misleading, and unsupported by proper verification. 

Equifaxs conduct indicates reliance on automated or superficial verification methods rather than the independent and reasonable reinvestigation required by federal law. Simply accepting unsubstantiated responses from furnishers does not satisfy FCRA requirements. Continuing to report disputed information without documented proof of accuracy constitutes unlawful reporting and reflects reckless disregard for consumer rights. This ongoing misconduct has resulted in suppressed credit scores, loss of credit opportunities, and reputational harm. 

Equifax has been given multiple opportunities to correct these errors and has failed to do so. Its continued reporting of unverifiable information after repeated notice constitutes willful noncompliance with the FCRA and necessitates regulatory intervention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 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: LEXISNEXIS
State: VA

Complaint narrative:
Upon reviewing my credit report. I noticed some fraudulent accounts reporting XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 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: NY

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I disputed a XXXX tradeline appearing on my Equifax credit report with a reported balance of {$360.00} and a charge-off date of XX/XX/XXXX. Equifax completed a reinvestigation and returned results stating the account was UPDATED and verified. 

However, Equifax failed to conduct or disclose a reasonable reinvestigation. The dispute results did not include a description of the procedures used to determine the accuracy and completeness of the information, despite Equifaxs own notice stating that consumers may request such procedures.

Equifax did not identify : the individual or department contacted at XXXX, the method of verification used ( manual review vs automated system ), the documents reviewed, or whether any documentary evidence was examined at all.

Instead, Equifax appears to have relied on automated confirmation rather than a meaningful review. Updating fields without reviewing competent evidence does not satisfy Equifaxs obligations under federal law.

Equifaxs notice to consumers states that if a dispute is not resolved, the consumer has the right to request the procedure used to determine accuracy. Despite this, Equifax verified the tradeline without providing or demonstrating that any documentationsuch as a service agreement, billing statements, or proof of balance calculationwas reviewed.

This continued reporting is harming me and remains unverifiable.

Equifax Confirmation Number : XXXX Credit File Date : XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MiraMed Revenue Group LLC
State: AK

Complaint narrative:
Received initial call on XX/XX/XXXX from XXXX @ XXXX. I asked them to provide me proof of debt via US mail, and not to contact me until they had provided it. ( I believe its 30 days ) XX/XX/XXXX at XXXX I received another call from the same number. They confirmed they had called me on the XXXX, and that I had requested proof of debt. They could not give me a reason they were calling after I requested they not. I asked them to remove my phone number and only contact me via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Account Name : XXXX XXXX XXXX Account Number : XXXX Last Reported : XX/XX/year> Balance : {$280.00} Date Opened : XX/XX/year> Description : Debt buyer account I believe this account is inaccurate. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I think is incorrect or incomplete. I am requesting the immediate removal of this entry from my credit report until this matter can be resolved, as the FCRA mandates that credit reporting agencies ensure the accuracy of the information they report.

Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), 15 USC 1681s-2, and 15 USC 1681i ( 5 ).

I request the immediate deletion of the disputed items listed per 15 USC 1681i ( 5 )

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