vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 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 formally demand your agency 's compliance with the Fair Credit Reporting Act ( FCRA ) in connection with the ongoing mishandling of my credit file. Despite multiple dispute attempts, you have failed to remove fraudulent accounts that do not belong to me and continue to report unverifiable information. This conduct is in direct violation of federal law and my consumer rights. 

The accounts listed below were opened fraudulently as a result of identity theft. I have submitted several dispute letters requesting their removal, yet you have responded with vague and non-substantive explanations that do not meet the legal standards required under the FCRA.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally obligated to perform a meaningful investigation upon receipt of a consumer dispute. Your continued reliance on form responses without providing original validation of the debts in question constitutes noncompliance.

Moreover, 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies ensure the highest possible level of accuracy in reporting. Your agencys failure to take corrective action demonstrates a reckless disregard of these obligations.

You are hereby given 30 days from the date of this letter to provide the following : 1. Full and original verification documents from the creditors proving the validity of the accounts in questionnot generic responses ; 2. A comprehensive outline of the investigation performed, detailing each step taken ; 3. The names, job titles, and contact details of the individuals responsible for reviewing and responding to my dispute ; 4. Written confirmation that all unverifiable information has been permanently deleted from my credit file pursuant to 15 U.S.C. 1681i ( a ) ( 5 ). 

If you fail to respond adequately within the timeframe stated, I will pursue immediate legal action. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the New York State Attorney General. I will also proceed with litigation under 15 U.S.C. 1681n for willful noncompliance, which allows for the recovery of statutory damages, punitive damages, attorney fees, and costs.

The following accounts are fraudulent, and I have already received confirmation from the relevant banks that they should not be associated with my credit profile. Please review and remove these accounts immediately, and provide supporting verification if you continue to report them 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 2025-05-27 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:
XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX Phone : [ Insert ] Email : [ Insert ] Date : [ Insert Todays Date ] To : Capital One Executive Office Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : Formal Request for Credit Limit XXXX and Upgrade to XXXX XXXX XXXX Quicksilver Account Ending in XXXX Dear Capital One Executive Team, I am writing to respectfully request a manual underwriting review of my Quicksilver account ending in XXXX. As a 13-year Capital One cardholder with a spotless payment history, exceptional credit profile, and demonstrated loyalty, I believe I am more than qualified for : A credit limit increase to {$10000.00} {$20000.00}, and An upgrade to XXXX XXXX XXXX status. 

Background : Ive maintained 100 % on-time payments since the accounts inception. 
MXXXX XXXX XXXXXXXX XXXX is XXXX Excellent rating. 
I have low utilization and no derogatory marks. 
My annual income is {$100000.00}. 
My current limit of {$500.00} no longer reflects my financial strength, payment consistency, or creditworthiness. 

Despite these qualifications, Ive received system-generated denials without any meaningful review. This results in an outdated credit limit that hurts my utilization ratio and sends the wrong signal to other lenders. I recently spoke with a Capital One representative, XXXX, who stated that my only path to upgraded benefits like XXXX XXXX status is by applying for a different product. However, this contradicts common industry practicewhere tenure, payment history, and credit strength are rewarded with proactive upgrades and tailored solutions. 

What I Am Requesting : A credit limit increase of {$10000.00} to {$20000.00} on my existing Quicksilver card. 
A product upgrade to XXXX XXXX XXXX, reflecting the caliber of my account management. 

Capital One has long promoted the value of customer loyalty. After over a decade of responsible use, I am simply asking that my existing account be brought into alignment with my demonstrated profile and peer treatment. 

I am confident that a human reviewrather than an automated decisionwill recognize that I am in excellent standing internally and externally. This is a practical and equitable request that would enhance my experience and reflect Capital Ones commitment to long-term cardholders. 

Please let me know if further documentation or income verification is needed. I appreciate your time and look forward to a timely resolution. 

Sincerely, XXXX XXXX. XXXX Capital One Member Since XXXX Quicksilver Account Ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: OK

Complaint narrative:
Was never contacted by the debt collector in any way, shape, or form. Not via mail, phone calls, nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Zions Debt Holdings
State: FL

Complaint narrative:
I am disputing a collection account being reported by Zions Debt Holdings on both XXXX XXXX XXXX with an account number ending in XXXX. The amount reported is {$590.00}, with an assignment date of XX/XX/year>. 

I do not recognize this account, have no knowledge of owing this debt, and never received any contract, communication, or debt validation notice as required by the Fair Debt Collection Practices Act ( FDCPA ). The original lender is listed as XXXX XXXX, which I have never done business with. 

This collection does not appear on my Experian report, which raises further concern about its accuracy and legitimacy. I believe this may be either a reporting error or identity theft. 

I am requesting that this account be fully investigated and permanently removed from all credit reports due to lack of verifiable documentation and failure to provide required consumer disclosures.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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:
On XX/XX/year> I received a notification that XXXX XXXX XXXX changed significantly. It is the same bad XXXX XXXX XXXX XXXX company using my information fraudulently. I dont know what to do. Experian wont fix the issue. I get sent to an automated AI chat bot who wont fix the issues. Its negatively impacted my credit rating by almost XXXX points on experian. Nobody cares.

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 2025-05-27 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: NH

Complaint narrative:
I have filed 3 disputes with Equifax on my end on XX/XX/year>, XX/XX/year>, and XX/XX/year>. I have also called the company multiple times and agent said they would file a dispute on their end and never did. My equifax report is showing I have XXXX XXXX XXXX XXXX accounts ( see attached photo ) I only have one XXXX account. I have called XXXX XXXX XXXX XXXX have them send equifax uodated information showing I only have one account, Equifax has constantly stated they are reporting what is reported to them but they are the only credit bureau that is showing two XXXX XXXX XXXX  accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Subject : Urgent Complaint Regarding Wire Fraud and Wells Fargo 's Inadequate Response My wife and I were the victims of a serious case of banking fraud involving our Wells Fargo account. On XX/XX/XXXX, {$25000.00} was fraudulently transferred from our account via a wire transaction. We reported the incident within minutes of its occurrence, yet Wells Fargo has failed to take timely and good-faith action to recover our funds. 

The fraud was initiated through malware posing as a XXXX maintenance worker that infected my wife XXXX XXXX 's computer. At approximately XXXX XXXX  on XX/XX/XXXX, she logged into her Wells Fargo account, at which point the malware initiated an unauthorized wire transfer. Immediately afterward, XXXX was locked out of her account. She contacted the Wells Fargo Fraud Department without delay, and we also promptly filed a report with the FBI. 

Despite multiple escalationsthree to dateWells Fargo has yet to return the stolen funds. Throughout this process, our experience with Wells Fargo has been marked by a pattern of denial, delay, and deflection. Moreover, the bank has repeatedly misrepresented the timeline of events in what appears to be an effort to avoid accountability. 

Please refer to the attached documents for detailed record of where we are on our third escalation.

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 2025-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
I am writing to file a complaint about repeated debt collection attempts for a debt that has never been proven valid. The collectors claim this debt is based on tax documents, but they have not provided any official IRS records to support it.

I have contacted multiple agencies about this issue, and none have confirmed that this debt is legitimate. Since there is no verified documentation, I do not owe this debt, and continued collection efforts are unjustified.

I ask that the CFPB : - Investigate this debt and the collectors involved.

- Require them to provide valid proof or stop contacting me.

- Take action if they are harassing me without proper evidence.

I have attached copies of past communications for your review. Please contact me if you need more information.

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Account CAPITAL ONE # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-05-27 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:
b"On XXXX XXXX XXXX, I mailed a formal dispute to Experian disputing several accounts and inquiries that appeared on my credit report. My dispute was based on a violation of permissible purpose under 15 U.S.C.  1681b of the Fair Credit Reporting Act (FCRA), which states that a consumer report may only be furnished under specific circumstancesone of which is with the written instructions of the consumer.\n\nI clearly stated that I never provided written authorization for the following entities to access or furnish data to my credit report:\n\nFirst Savings Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also included all required documentation to verify my identity, including a copy of my government-issued ID, Social Security card, and proof of address, as recommended by Experian.\n\nAccording to USPS records (Certified Mail XXXX XXXX XXXX XXXX XXXX XXXX), Experian received the dispute on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is now well beyond the 30-day window required by 15 U.S.C.  1681i, and I have not received any completed investigation or results from Experian.\n\nThe only communication I received was a letter asking me to verify my identity, despite the fact that all identifying documents were already provided with the original dispute. This appears to be an intentional delay tactic and a violation of the FCRA's investigation timeline requirements.\n\nWhat would be a fair resolution to this issue?\nA fair resolution would be the immediate removal of all the disputed accounts and inquiries listed in my original letter, as Experian has failed to provide evidence of permissible purpose and has not conducted a timely reinvestigation as required by federal law.\n\nI have fulfilled my responsibilities as a consumer and provided all required information. At this point, I will also seek their removal through other legal and administrative channels if this issue is not resolved 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 2025-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
I was coerced into taking out a {$5000.00} loan through Affirm on XX/XX/year>, to pay for another person 's legal fees. That individual, XXXX XXXX, threatened and intimidated me into applying for the loan. I have screenshots of threatening messages and a video of him making verbal threats. He had a history of criminal threats and has been convicted multiple times for similar behavior. 

Shortly after the loan was issued, XXXX passed away, and the legal services the loan was supposed to pay for were never provided. I received nothing in return and was manipulated into this loan under duress. 

I tried to contest the charges in the past, but XXXX found out and threatened to come to my house, demanding I fix this. I was scared for my safety and felt trapped, which delayed my ability to report this formally. I now have all messages and video evidence showing the coercion and threats. 

I reported all of this to Affirm and submitted my evidence, but they refused to cancel the loan, offer assistance, or pause collections. I am now facing severe financial hardship and risk of foreclosure, all because of a loan I never should have been responsible for. 

This case involves : Coercion and documented threats A pattern of criminal behavior by the deceased XXXX services rendered Affirms failure to act appropriately after being shown evidence Ongoing emotional and financial harm

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: IL

Complaint narrative:
Experian, there is inaccurate personal information and unauthorized inquiries listed on my consumer report. I was a victim of identity theft, and my personal information was compromised in the Equifax and TransUnion data breaches. As a result, fraudulent activity has appeared on my Experian report, including incorrect personal details and inquiries that I did not authorize. Pursuant to the FCRA, this information needs to be promptly removed from my file. 
Please remove the fraudulent inquiries that include : 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

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian deleted my home address in XX/XX/2025. 
I have disputed it and added it back to my report 3 times. 

Experian refuses to update my address and will NOT provide me with my experian credit report.

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 2025-05-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: CA

Complaint narrative:
Was never notified that debt was still listed as outstanding and sent to collections - no phone call, no letter. I had resolved the issue with the company ( Spectrum ) in XX/XX/XXXX when all equipment was either returned or recycled per instructions. Furthermore, I submitted proof to XXXX that I no longer resided at the service address with a copy of my closing statement for the sale of the service property which was dated XX/XX/XXXX. I did not transfer service to my new address, yet XXXX continued to charge me for an additional two years. I was assured in XXXX, after speaking with several employees at XXXX, that the issue was closed. I have had no further communication with this company or its collection agency until I noticed the collection on my most recent credit report. 
This error has caused me to lose the ability to refinance my home because of the negative impact on my credit score. I am losing thousands of dollars every month as a result.

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 2025-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
Dear PayPal team, On XX/XX/2025, my PayPal account was permanently deactivated. The only reason PayPal told me for the deactivation was that " After a review, we found unusual activity on this account that we can't support. '' I use my PayPal account regularly to purchase products as well as pay my credit card bills. I've attempted to talk to support many times as well as submit a ticket. I've waited many months and the problem has unfortunately gone nowhere. 
I understand that routine reviews need to happen for the safety of the platform and that during such reviews mistakes can happen but I wish there was an easy way to resolve such mistakes with the right department. 
I hope that you can take a second look at the account and reinstate it, as I truly value PayPal 's convenience and services. 
All the best, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: GA

Complaint narrative:
I am writing to formally request validation of a debt that has been brought to my attention. I recently received a letter from a collection agency regarding an alleged debt, and I am exercising my right under the Fair Debt Collection Practices Act ( FDCPA ) to request detailed verification.

Company response to consumer: Closed with explanation