vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I sent my daughter XXXX using XXXX on my Wells Fargo account, yesyerday XX/XX/year>. The money usually goes through in seconds but it did not. It is still sitting saying its processing. The bank said there is nothing thst can be done. I have to wait?? They cant cancel it or explain when it will process. This has caused me great stress. What's odd is a few minutes later I sent her through XXXX  just XXXX she got thst in under a minute as usual so why they cant cancel the XXXX in XXXX  activity that says processing is beyond me. But I need your help please to try and resolve this issue??

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 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: KY

Complaint narrative:
Withdrew XXXX $ from ATM an ATM retracted the money before it was gotten out in time an there saying it could take up to 35/45 business days before they put the money back on the card

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-08 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: MO

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ

Complaint narrative:
A stolen 401 ( k ) rollover check payable to XXXX was fraudulently deposited at Fifth Third Bank by an unauthorized individual. 
The check clearly states that it is payable only to XXXX, yet Fifth Third Bank accepted the fraudulent endorsement and cashed the check without proper identity verification. 
This is an unauthorized endorsement and improper acceptance of a restricted rollover check. 

This caused a direct financial loss to my retirement account. 

I am requesting that Fifth Third Bank conduct a full fraud investigation, reverse the unauthorized deposit, and return the funds to the issuing institution ( XXXX ) so that a proper rollover to XXXX can be completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened my XXXX XXXX account approximately 23 years ago when Capital One heavily marketed the card with unlimited Priority Pass access including guest access for family members. This lounge access was the primary reason I chose the card and why I continued to use it heavilycharging approximately + $ XXXX in 2025 alone under those original terms.

However, Capital One materially changed the core benefits shortly after I established and committed to the product. Priority Pass guesting has now been removed entirely, with a new $ XXXX per visit fee. As a family of four who uses lounges XXXX times per year, this represents over $ XXXX in new expenses for benefits that were explicitly advertised as included when I signed up. 

This appears to be a bait-and-switch scenario : benefits were offered to attract customers, only to be significantly reduced a short time later while the annual fee remains the same. Consumers like myself who signed up within the past two to three years are now left with a significantly devalued product that no longer matches the terms under which we made our decision and spending.

I believe this change is unfair, misleading, and harmful to consumers who relied on the original offering and continued to pay annual fees and spend accordingly.

I am requesting that Capital One either honor the prior lounge access terms for existing cardholders ( grandfathering ), or provide compensation/credit reflecting the material loss in value.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: CA

Complaint narrative:
I am submitting this formal dispute and legal demand concerning multiple inaccurate personal identifiersincluding names and addressesthat are currently being reported across my credit files. 
I hereby affirm that I have never used, authorized, or been associated with the listed aliases, and I have never resided at the reported addresses appearing on my consumer reports. These entries are false, misleading, and unverifiable, and they have no lawful connection to me or my financial history. 

The continued reporting of these incorrect names and addresses constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy in the information they furnish. Additionally, under 15 U.S.C. 1681i ( a ), you are legally required to conduct a prompt and thorough re-investigation of disputed information upon receiving notice of inaccuracy. 
The presence of this false personal information creates a heightened risk of identity confusion and potential fraud, directly harming my ability to obtain credit, employment, or housing under fair and accurate conditions. These errors may also indicate negligent data handling in light of ongoing national identity theft and data breach concerns.

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 2025-12-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: IL

Complaint narrative:
By the provisions of the Fair Credit Reporting Act. I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 12 U.S.C. Sec.1681i ( a ) .you must complete this reinvestigation within 30 days of receipt of this letter.

I was trying to get the flow agreement, transfer assignment, and the bill over sale in the original contract. They didn't provide it to me proir to putting it on my credit or they didn't send me a demand letter. From every debt on my credit report. im also requsting a 1099c.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: PA

Complaint narrative:
An account is being reported on my credit file by XXXX XXXX XXXX XXXX XXXX do not recognize, did not authorize, and never received any funds for. I have repeatedly requested verification from the credit bureaus and the furnisher, including the bank account number where the alleged loan funds were deposited, a copy of the signed contract, and proof that the loan was ever funded or received by me. To date, none of this information has ever been provided by any party. 

TransUnion previously closed my dispute claiming the request did not come from me even though it did. XXXX and XXXX each responded with generic statements claiming the furnisher verified the account, but continuing to report it without providing any of the required documentation I requested. I specifically asked for verification of the account number, funding details, and proof of disbursement, and the company failed to provide any of it. 

Additionally, the account is being reported inconsistently across all three credit bureaus ( different account names, different balances, and different statuses ), which is a violation of FCRA 607 ( b ) requiring accurate and consistent reporting. XXXX is reporting a {$130000.00} balance to XXXX and XXXX, while TransUnion shows {$0.00}. The open/closed dates and high balance amounts do not match across bureaus. These inconsistencies alone prove the information is unreliable. 

Because the furnisher has failed to provide validation, failed to prove any loan funds were ever deposited into my account, and failed to provide a contract, continued reporting of this account violates FCRA 611, 609, and 623. I am requesting CFPB intervention because the bureaus continue to report this unverified, inaccurate, and unproven account despite my repeated requests for required documentation.

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 2025-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
Was recently on a cruise in the XXXXXXXX XXXX XXXX in XXXX, XXXX, and XXXX last week from XX/XX/XXXX to XXXX, did not have great reception was generally roaming. I had tried to access my account a few times Monday and Tuesday with no success because of roaming. Wednesday i recieved an email from Robinhood that my account was locked, saying i tried to log in from XXXX, XXXX. I was not in XXXX, I'm not sure if someone tried to get into my account or lack of internet or phone service affected my phone. I keep trying to get answers to what I need to do to get my account unlocked, I provided them with alot of authentication information, but still not able to access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: CO

Complaint narrative:
I am formally disputing the inaccuracies appearing on my credit report, as they are directly harming my financial standing and overall creditworthiness. Despite multiple attempts to address and correct these problems, the same errors continue to reappear. These repeated inaccuracies are negatively affecting my credit score and limiting my ability to secure financial opportunities.

It is essential that these issues be fully reviewed, investigated, and corrected immediately. If these matters are not resolved promptly, I will have no choice but to pursue legal action for any resulting damages, including seeking compensation for violations of the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: GA

Complaint narrative:
I am filing this complaint regarding multiple hard inquiries reported on my credit file without documented proof of permissible purpose as required under FCRA 604. I have requested verification of authorization and signed application, but the credit reporting agency has not provided valid evidence showing I granted permission for these parties to access my consumer report.

I am requesting the CFPB to compel the reporting agencies and creditors listed below to provide documented proof of permissible purpose ( including signed application and date of authorization ), or remove these inquiries from my report under FCRA 604 ( b ) and 611 ( a ) for unverifiable reporting. 

List of inquiries to verify or delete for lack of permissible purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 If documentation proving authorization and permissible purpose can not be produced, I request immediate removal of these inquiries and correction of my consumer file accordingly.

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 2025-12-08 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: NY

Complaint narrative:
Company Name : [ Equifax XXXX Experian XXXX TransUnion ] Identity Theft & Fraudulent Activity due to Data Breach Brief Description of the Problem : I am submitting this formal complaint regarding unauthorized credit inquiries and the opening of an auto loan account under my name, which resulted from the XXXX data breach involving [ Equifax / Experian / TransUnion ]. My personal information, including sensitive data such as my name, Social Security number, and other identifying information, was compromised in this breach. As a result, my identity was stolen and misused to obtain credit without my consent, leading to fraudulent inquiries and an auto loan account being opened under my name. 

Details of the Incident : Date of Data Breach : The data breach occurred in XXXX, with [ Equifax XXXX Experian XXXX TransUnion ] reporting that millions of personal records, including mine, were compromised during this event. 

Fraudulent Activity Identified : I discovered fraudulent credit inquiries and an auto loan account that was opened in my name without my authorization. These activities were linked directly to the breach and the misuse of my personal information. 

I first noticed these unauthorized activities on my credit report on XX/XX/XXXX. Upon further investigation, I confirmed that these were fraudulent and linked to the XXXX breach. 

Actions Taken : I first reported the fraudulent activities to your bureau on XXXX then XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and initiated a formal dispute to remove the unauthorized inquiries and the auto loan account from my credit report. 

I reached out to all credit bureaus ( Equifax, Experian, and/ TransUnion ) from XXXX, XXXX, XXXX XX/XX/XXXX to inform them about the fraud and initiate a dispute with them as well. 
Identity Theft Report : I filed a report with the Federal Trade Commission ( FTC ) on XX/XX/XXXX regarding the identity theft linked to the breach and requested an official identity theft report. 

Fraud Alert and Credit Freeze : I took the necessary precaution of placing a fraud alert and a credit freeze on my accounts to prevent further fraudulent activity. 

Follow-Up Actions : Despite my best efforts, including follow-up communication with your company on XXXX the fraudulent inquiries and auto loan account have not been removed or resolved.

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 2025-12-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Company Name : [ Equifax XXXX Experian XXXX TransUnion ] Identity Theft & Fraudulent Activity due to Data Breach Brief Description of the Problem : I am submitting this formal complaint regarding unauthorized credit inquiries and the opening of an auto loan account under my name, which resulted from the XXXX data breach involving [ Equifax / Experian / TransUnion ]. My personal information, including sensitive data such as my name, Social Security number, and other identifying information, was compromised in this breach. As a result, my identity was stolen and misused to obtain credit without my consent, leading to fraudulent inquiries and an auto loan account being opened under my name. 

Details of the Incident : Date of Data Breach : The data breach occurred in XXXX, with [ Equifax XXXX Experian XXXX TransUnion ] reporting that millions of personal records, including mine, were compromised during this event. 

Fraudulent Activity Identified : I discovered fraudulent credit inquiries and an auto loan account that was opened in my name without my authorization. These activities were linked directly to the breach and the misuse of my personal information. 

I first noticed these unauthorized activities on my credit report on XX/XX/XXXX. Upon further investigation, I confirmed that these were fraudulent and linked to the XXXX breach. 

Actions Taken : I first reported the fraudulent activities to your bureau on XXXX then XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and initiated a formal dispute to remove the unauthorized inquiries and the auto loan account from my credit report. 

I reached out to all credit bureaus ( Equifax, Experian, and/ TransUnion ) from XXXX, XXXX, XXXX XX/XX/XXXX to inform them about the fraud and initiate a dispute with them as well. 
Identity Theft Report : I filed a report with the Federal Trade Commission ( FTC ) on XX/XX/XXXX regarding the identity theft linked to the breach and requested an official identity theft report. 

Fraud Alert and Credit Freeze : I took the necessary precaution of placing a fraud alert and a credit freeze on my accounts to prevent further fraudulent activity. 

Follow-Up Actions : Despite my best efforts, including follow-up communication with your company on XXXX the fraudulent inquiries and auto loan account have not been removed or resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
A collection agency is adding unauthorized {$1.00} charges multiple times per month to my account without providing any contractual or legal authorization. This violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692f ). I have sent a cease-and-desist and demand for validation. I am requesting immediate correction of the balance, written proof of authority to charge fees, and cessation of all unauthorized charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: PA

Complaint narrative:
An account is being reported on my credit file by XXXX XXXX XXXX that I do not recognize, did not authorize, and never received any funds for. I have repeatedly requested verification from the credit bureaus and the furnisher, including the bank account number where the alleged loan funds were deposited, a copy of the signed contract, and proof that the loan was ever funded or received by me. To date, none of this information has ever been provided by any party. 

XXXX  previously closed my dispute claiming the request did not come from me even though it did. XXXX  and Equifax each responded with generic statements claiming the furnisher verified the account, but continuing to report it without providing any of the required documentation I requested. I specifically asked for verification of the account number, funding details, and proof of disbursement, and the company failed to provide any of it. 

Additionally, the account is being reported inconsistently across all three credit bureaus ( different account names, different balances, and different statuses ), which is a violation of FCRA 607 ( b ) requiring accurate and consistent reporting. XXXX is reporting a {$130000.00} balance to Equifax and XXXX, while XXXX  shows {$0.00}. The open/closed dates and high balance amounts do not match across bureaus. These inconsistencies alone prove the information is unreliable. 

Because the furnisher has failed to provide validation, failed to prove any loan funds were ever deposited into my account, and failed to provide a contract, continued reporting of this account violates FCRA 611, 609, and 623. I am requesting CFPB intervention because the bureaus continue to report this unverified, inaccurate, and unproven account despite my repeated requests for required documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: LA

Complaint narrative:
JEFFERSNCP is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSNCP is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: MS

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( XXXX  ) ( XXXX ) XXXX -- XXXX ( XXXX ) ( XXXX ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company from my information Transunion. Please delete the following accounts. creditor : XXXX XX/XX/year> XXXX  XXXX XX/XX/year> FIRST XXXX XX/XX/year> XXXX XXXX XX/XX/year>

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 2025-12-08 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: DISCOVER BANK
State: DC

Complaint narrative:
I rececently noticed that I have XXXX hard inquiries on my credit report that I did not authorized, and would like to have them removed

Company response to consumer: Closed with explanation