vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report when there is a permissible purpose, and only with the consumers knowledge or consent. I did not provide authorization for these inquiries, and therefore they constitute violations of the FCRA. Delete hard inquiries TD Auto Finance XX/XX/XXXX, XXXX 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 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 2025-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC

Complaint narrative:
I signed up for the XXXX XXXX on XX/XX/year>. I signed up from my friends referral code. The app states that if you sign up, verify your account and spend {$100.00} within 30 days of account creation you and you referee both get {$50.00}. 

My account was verified on XX/XX/XXXX. and spent {$100.00} prior to that date. So I should have gotten {$50.00} from the referral as stated in their referral rewards. 

My XXXX  Ticket ID : XXXX I immediately sent and email on XX/XX/XXXX after account verification asking about when I get my {$50.00} referral reward. They never replied I also asked again on XX/XX/XXXX, and the XXXX. They have completely ignored my support tickets about the {$50.00} referral reward. The 30 day validity period to receive the {$50.00} referral reward will expire tomorrow. I have been trying for week to get help for this but they seem to be ignore me to hope I give up and let the 30 grace period to pass so they don't have to send me the {$50.00} referral reward. 

They are a scamming people with this referral reward program.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
I respectfully request the immediate removal of the inaccurate item from my credit report, as it does not pertain to me and is entirely incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
I am a victim of identity theft, and multiple fraudulent collection accounts have been added to my credit report without my knowledge or authorization. Despite my disputes, the accounts remain on my credit report, causing harm to my credit profile and financial standing.

Details of the Issue : I recently discovered two collection accounts on my credit reports that I did not open or authorize : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
This account appears to relate to a school I never attended. 
I did not enroll in or authorize any XXXX accounts or loans with XXXXXXXX XXXX XXXX XXXX XXXX 
The account has been sold or placed with XXXX XXXX XXXX XXXX XXXX, a debt collection agency. 
XXXX XXXX XXXX Caine & Weiner Company , Inc . 
I have never had any policy or account with XXXX XXXX. 
Caine & Weiner is reporting or collecting on this account, which I believe was opened fraudulently using my personal information. 
I have filed an Identity Theft Report with the FTC ( via XXXX ) and submitted disputes to Equifax and the other credit bureaus, requesting removal of these fraudulent accounts. I also sent debt validation letters to both collection agencies under the Fair Debt Collection Practices Act ( FDCPA ). 
Despite following the proper dispute process, these accounts remain on my credit report and continue to impact my credit. I am requesting that the CFPB assist in ensuring that : These fraudulent accounts are fully investigated and removed ; The collection agencies ( XXXX XXXX XXXX and Caine & Weiner ) cease all collection activity ; The credit bureaus update my reports accordingly ; and I receive written confirmation that the fraudulent information has been deleted. 
Desired Resolution : Full removal of all fraudulent accounts from my credit reports. 
Written verification from each company confirming deletion and cessation of collection activity. 
Confirmation that my identity theft documentation ( FTC Report and police report, if applicable ) is acknowledged. 
Attachments I can provide : FTC Identity Theft Report Copies of disputes sent to credit bureaus XXXX XXXX XXXX sent to both collection agencies Proof of identity and address

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: OK

Complaint narrative:
I paid for a {$16.00} debt, which they asked for, and then they kept asking for more. Turns out, they were lying to me the entire time by making it LOOK like I only owed {$16.00}, when in reality I owed over {$100.00}. After repeatedly asking for information, trying to call, and disputing, I finally got a hold of them on the phone. You know what they told me to do? DISPUTE THE DEBT IVE TRIED TO DISPUTE MULTIPLE TIMES.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
In XXXX of XXXX I begin leasing a XXXX XXXX XXXX  from XXXXXXXX XXXX XXXX. I arrived at the dealership seeking to finance a used car. When I spoke to a sales representative they informed me that I can get a newer car with no money down and the lease payment would be around {$370.00} a month and I would be able to get free maintenance on the car during this lease. When I signed this lease they informed me that everything would be coming in the mail within XXXX  days. I only received my hard plates in the mail and nothing else. My first statement I did pay around {$370.00}, after that my statements were around {$700.00}, I quickly contacted the dealership via phone call and they informed me, that the {$370.00} payment was only for my first statement and I would be paying this amount everything XXXX weeks bringing my monthly payment around {$700.00}, I told her that I wasnt informed about that at the lease signing and would like a copy of my lease. She told me would put in a request for this and it should be mailed to me, and advised me to trade it in for a lower note at XXXX  months. Some time goes by and I still havent received my lease agreement terms, so I emailed the salesman who worked with me, and he sent me XXXX page of the lease agreement and told me I received my lease on a flash drive in the end of my lease signing, but I never did! And proceeded to say he will send over additional documents, I didnt ask for additional documents I requested my lease that I have a right to see and have access to, and the document he sent over still doesnt say my agreed monthly payment, I have re emailed twice and directly asked for my full lease front to back because I know it wasnt just XXXX page. I have heard nothing back, under the TILA LAW I have a right to my full lease agreement immediately. I have been a victim of misrepresentation and Im now struggling to pay a balance I didnt agree to.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


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

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 2025-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I financed a vehicle through Capital One Auto Finance in XX/XX/year> from XXXX XXXX XXXX in XXXX. After purchase, I was never provided a valid title. The dealership shut down, and the XXXX  XXXX confirms there is no title on record for the XXXX associated with my loan. As a result, the vehicle can not be registered or legally driven in XXXX XXXX, where I reside. 

I have been making monthly payments and paying for insurance for XXXX months. Capital One admits they never received the documentation needed to perfect the title and now claims the vehicle still has prior liens. They have denied my request to unwind the loan, repossess the vehicle, and refund my payments, even though they originated the loan without valid collateral and are now attempting to resolve a title issue that is not my responsibility. 

In addition, Capital One refuses to provide me with a copy of the signed retail installment contract for this loan ( denial by superior representative id XXXX ). They have stated they will only provide the contract after they complete their internal lien-clearing process, which is not acceptable. I am legally entitled to a copy of my signed contract at any time, and their refusal further harms my ability to defend myself in this matter. 

Both the XXXX  XXXX XXXX XXXX and the XXXX Attorney XXXX XXXX XXXX XXXX have opened investigations into this issue, which further supports my claim of improper lending and title practices. 

I am requesting that Capital One be required to unwind the loan, cancel all remaining obligations, repossess the vehicle, refund all payments and insurance premiums I was forced to pay during this time, and provide me with a complete copy of my signed loan contract immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 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! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 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! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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 2025-11-05 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: CITIBANK, N.A.
State: NC

Complaint narrative:
This complaint concerns a purchase from XXXX XXXX for XXXX medical devices. The agreement was executed after the quote expired and contains multiple misrepresentations and performance failures. The merchant has refused refund. Supporting documentation attached.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter serves as a formal and legally binding complaint and dispute regarding multiple fraudulent accounts that were opened without my knowledge or authorization and are still being reported on my credit profile. A prior dispute was submitted to the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/year>, following an FTC report filed on XX/XX/year>, under Report # XXXX. While some fraudulent accounts have been removed, the following accounts remain inaccurately reported across the three major credit bureaus in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These are inaccurate items. They show as late payments.

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 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I was sent an offer in the mail for a sign up bonus. After spending XXXX hours opening an account at a branch, I was assured from the banker and bank manager I qualify for the bonus. Days later after funding the account, I was told I do not qualify because I have another business account ( separate entity ). No resolution was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY

Complaint narrative:
In XXXX I called the bank to request info on a charge I did not recognise, The bank shut my card off that day saying they would send a new card. I have lived in southern XXXX XXXX for XXXX  years. It took XXXX weeks for the card to get here and they had changed my which has been XXXX weeks and not here .. pin, which they said would not happen. they had to mail me a new pin. an other XXXX weeks and the pin didnt work, I called again and they mailed another pin. it too was incorrect. I called again and they said they would send another. they are of no help! I can use my card for purchases but not at the ATM machines. XXXX & XXXX months I cant get cash.Had to borrow for rent etc I am a XXXX  year customer

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: NY

Complaint narrative:
I am writing to dispute the following items on my credit report with TransUnion. I believe these entries are inaccurate and require further investigation. The following accounts are listed as " Charged Off '' and I respectfully request verification and clarification of these accounts : Charged Off Accounts : XXXX - Account Number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$190.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$19000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$440.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$1400.00} Late Payments : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date of Late Payment : Unknown ) XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  ( Date of Late Payment : Unknown )

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