vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity.

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

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 2025-12-23 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:
I am contacting you to dispute a credit report entry that I believe is the result of unauthorized activity. I did not consent to any such account, and its presence on my report is both inaccurate and concerning. I request a comprehensive investigation into this matter and the immediate removal of this fraudulent information from my credit file.

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 2025-12-23 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 am contacting you to dispute a credit report entry that I believe is the result of unauthorized activity. I did not consent to any such account, and its presence on my report is both inaccurate and concerning. I request a comprehensive investigation into this matter and the immediate removal of this fraudulent information from my credit file.

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 2025-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Dave Operating, LLC
State: PA

Complaint narrative:
DAVE inc. is a an app that lets you borrow smaller amount of money and then will automatically take them back according to your pay schedule, as it hooks right up to your account. When I borrowed XXXX $ they were supposed to settle on XX/XX/XXXX. This settlement failed because there was not enough money in my account. They continued to try to settle this over the next few days, and finally took a lower amount XXXX $ on monday XX/XX/XXXX. I had a pending transaction for gas that had not completed, when it finally hit my account because they took this money out, it over drafted my account. I called, tried to get them to send the money back and they refused. now im going to be charged an overdraft fee for every day that my account is overdrafted. They never let me know that they were trying to take a lesser amount out on a different day. This is deceptive and something needs to be done. Leaving someones account overdrafted XXXX days before XXXX is horrible!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: GA

Complaint narrative:
Dear Sir/Madam, I am filing a dispute regarding multiple accounts on my credit report. Please review the following information and take necessary actions to resolve the discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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:
THESE CREDIT INQUIRIES APPEARING ON MY REPORT WERE NOT AUTHORIZED BY ME AND MAY INDICATE FRAUDULENT ACTIVITY. I WAS NOT AWARE OF THESE INQUIRIES AND DID NOT PROVIDE CONSENT. PLEASE TAKE IMMEDIATE ACTION TO INVESTIGATE AND CORRECT THIS MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I disputed XXXXXXXX XXXX  credit reporting on my report with Experian for the second time. Experian doesn't actually investigate the core matter of the dispute and only focuses on rubber stamping the accuracy of the amounts and data tied to the contract which in this case is fraud on part of XXXX. The problem is that the contract voids itself on signing due to restrictive langauge attached to the Holder Rule Notice. Experian wont remove a credit contract that I have given proof that it qualifies for discharge due to fraud ( XXXX XXXX ), had CFPB halt orders attached to it ( cfpb supervisory highlight pages 9-11 ) which XXXX and its servicer XXXX never complied with and that by nature of the language included in the contract violates my consumer rights protected by the FTC 's Holder Rule.

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX ( Bank ) XX/XX/year> XXXX XXXX XXXX XXXX Bank ) XX/XX/year> XXXX XXXX XXXX ( Bank ). XX/XX/year> 2025

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 2025-12-23 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: NY

Complaint narrative:
I am disputing inaccurate and unverified credit reporting by XXXX XXXX, XXXX  regarding an alleged account appearing on my consumer credit report. 

I previously disputed this account directly with XXXX XXXX in writing and requested validation of the debt, including proof of XXXX  ownership or authority to collect and documentation supporting the accuracy of the balance being reported. 

XXXX XXXX has not provided documentation substantiating the reported balance, including a detailed accounting of how the amount was calculated, yet the account continues to be reported to consumer reporting agencies. 

The continued furnishing of this information after my dispute, without providing verification or documentation demonstrating accuracy, results in misleading and inaccurate credit reporting.

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 2025-12-23 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: NY

Complaint narrative:
I am disputing inaccurate and unverified credit reporting by XXXX XXXX, XXXX  regarding an alleged account appearing on my consumer credit report. 

I previously disputed this account directly with XXXX XXXX in writing and requested validation of the debt, including proof of XXXX  ownership or authority to collect and documentation supporting the accuracy of the balance being reported. 

XXXX XXXX has not provided documentation substantiating the reported balance, including a detailed accounting of how the amount was calculated, yet the account continues to be reported to consumer reporting agencies. 

The continued furnishing of this information after my dispute, without providing verification or documentation demonstrating accuracy, results in misleading and inaccurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-12-23 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 request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

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 2025-12-23 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 have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

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 2025-12-23 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:
I am disputing the accuracy of the following accounts listed under the charged-off section. The balances and other details appear to be incorrect or misleading. Please verify and correct these entries. 

Charged Off 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

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 2025-12-23 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 have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX has a medical debt and due to debt forgiveness for nc XXXX recipients I am discharged from this debt that I have any knowledge of please remove this debt from all three bureaus immediately

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 2025-12-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I discovered that the mortgage servicers wrote off a mortgage life insurance policy out in the estate of XXXX XXXX. That is my identity and I am not dead. They then with the aid of XXXX XXXX, XXXX  stole my equity and sent me death threats in order to further their criminal pattern against my life. I am the whistleblower to the OCC and CFPB that lead to the XX/XX/year> Consent Order against Wells Fargo. As of XXXX I and no other victim have been redress for the catastrophic damages it and its subsidiaries put on us.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: NC

Complaint narrative:
Charged-Off / Collection Accounts in Dispute I dispute the accuracy of the following accounts reported by Equifax. The balances and reporting details differ from Experian and appear inconsistent : Dept of Education / XXXX  Acct # XXXX Balance {$5000.00} XXXX XXXX XXXX / XXXX  Acct # XXXX Balance {$11000.00} XXXX XXXX XXXX / XXXX Acct # XXXX Balance {$5300.00} XXXX XXXX XXXX / XXXX  Acct # XXXX Balance {$3900.00} XXXX XXXX XXXX / XXXX  Acct # XXXX Balance {$3900.00} XXXX XXXX XXXX / XXXX  Acct # XXXX Balance {$2400.00} XXXX XXXX XXXX / XXXX  Acct # XXXX Balance {$2100.00} XXXX XXXX XXXX / XXXX  Acct # XXXX Balance {$2600.00} XXXX XXXX XXXX / XXXX  Acct # XXXX Balance {$3700.00} XXXX XXXX XXXX / XXXX  Acct # XXXX Balance {$1200.00} XXXX XXXX XXXX / XXXX Acct # XXXX Balance {$7200.00} DP of Educ Acct # XXXX Opened XX/XX/XXXX Balance {$6300.00XXXX XXXX  Acct # XXXX Opened XX/XX/XXXX Balance {$7800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$6400.00} I am requesting a full reinvestigation and removal or correction of any inaccurate or unverifiable reporting. 

Late Payments in Dispute I dispute the following late payment entries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. Dept of Education XXXX XXXX XXXX These late payment histories appear inaccurate and require verification or correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of America closed my account about one year ago and confirmed that my remaining balance would be sent to me by check.

Despite multiple calls and in-branch visits, and after updating my mailing address, I have never received the check.

I am requesting immediate reissuance of my balance.

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

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 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Dear CFPB & Capital One Bank, Please be advised that I have received the attached letter from the claims support center. This letter is dated XX/XX/year>. This letter states that the merchant provided information that shows that I authorized this transaction but there is not supporting documentation of the document showing that I authorized anything. 

I would like to note that this merchant is blocked from my account, has not provided any type of proof of authorization for any of the total of ten debits from my account. The data collection entry report that Capital One Bank sent me via email on XX/XX/year> is not substantive proof of documentation in any case. It is not factual to state or print that I authorized this merchant to debit my account. I am very surprised at this type of service from Capital One Bank as I have found this bank to be a very good bank to bank with. 

I am highly confident that an employee of Capital One Bank has made a true error and has falsely claimed to have received proof of authorization for one of the total of ten unauthorized transactions. As of date, nine out of the ten have been final credited back to my account. Twenty three calendar days later, I still have not received any proof of authorization document that shows that I authorized any transactions to this merchant. I know for fact that no such legally factual document exists in regard to actual authorization. I am asking for Capital One Bank to do the right thing. 

Please see attached. 


Sincerely, Capital One Customer,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am submitting this complaint regarding Bank of Americas handling of a fraud dispute involving XXXX XXXX transactions. 

I was the victim of an online scam involving the purchase of a kitten advertised for sale. I made XXXX XXXX XXXX payments to the same seller as part of the same fraudulent incident : XXXX payment for {$80.00} and a second payment for {$730.00}. 

I filed disputes for both transactions at the same time on XX/XX/XXXX and submitted all requested documentation for both claims simultaneously on XX/XX/XXXX, including both claim numbers, a written statement, screenshots of communications with the scammer, payment records, and official reports filed with the FBI ( IC3 ) and FTC. 

Bank of America reopened and investigated the {$80.00} claim, ultimately approving it as fraud and issuing a permanent credit. However, the {$730.00} claim, which arose from the same scam, same seller, and same evidence, was not reopened or researched at the same time. I waited a week to see if they would reopen the claim, but they never did, so I called again and was told to fax the information again. 

Bank of America later denied the {$730.00} claim solely on the basis that it allegedly fell outside the dispute timeframe, despite the fact that both claims were filed together and evidence for both was submitted simultaneously. A temporary credit was issued for the {$730.00} claim and later reversed based only on this timing determination. 

The denial was not based on lack of evidence or credibility, as fraud was already acknowledged by Bank of America through approval of the related {$80.00} claim. The timing issue appears to be the result of internal processing delay and inconsistent handling of linked claims, not any failure or delay on my part. 

I acted promptly, reported the fraud responsibly, and complied with all bank instructions. I am requesting CFPB assistance to require Bank of America to reconsider the {$730.00} claim. 
I am requesting reimbursement or other appropriate resolution due to improper and inconsistent application of dispute procedures.

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 2025-12-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: Block, Inc.
State: FL

Complaint narrative:
They said I was in violation of the terms but I don't think I was cash all I was doing was sending my kids money and paying for my rides cause they were cheaper the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. Im attaching all the necessary documents on this letter.

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