vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5800.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$880.00} INQUIRIES : 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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX around XXXX I got a text message from Wells Fargo asking me if I used my card in XXXX XXXX I replied with N so shortly after someone gave me a call pretending it was from Wells Fargo . 
They said the protocols and they told me they were gon na have to change my account because it has been hacked so I went and gave them my credentials and for some reason they asked me if I had withdraw money from a certain branch close by me and I said yes, so he told me that apparently two branches close in my area were being investigated due to the bank trying to get the money from some people and I was one of their 60 victims. So then he told me he was going to give me a credit line for {$10000.00} and I needed to withdraw that money and put it in a different account, that they were working with the FBI and the money was just being lent for investigation purposes. I thought it was legit, because I didnt have XXXX on my checking account I only had {$450.00} but I also had {$8400.00} on my savings, so while I was talking to them on the phone they were doing all this transactions without my permission, they transferred my savings to my checkings and they got cash money from my WF credit card an amount of {$1500.00} it was a total of {$11000.00} XXXX dollars that was being taken. They told me to withdraw XXXX that I needed to put it in another account, I refused for a while I said I will only send you {$2000.00} and he told me if I dont do it then I would get in trouble with the FBI so I was scared go ahead and pulled the money from the bank, deposited into a XXXX  account that was provided for me. I was only able to deposit {$9700.00} when I finished they guy told me he was trying to reset my account but he was having some issues, therefore someone will call me back shortly. I never heard from them till I called Wells Fargo later on, because couldnt sign in to my Wells Fargo app. And when I finally did they made a big mess on my Cards, made a transfer from a card I never used of {$1300.00}, then I didnt know you can pull out cash from my credit card and so they got {$1500.00} and now Im with XXXX balance and on top of that I have to pay for what was taken on my CC account.

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 2025-06-10 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: NC

Complaint narrative:
I am writing to dispute unauthorized hard inquiries listed on my credit report pursuant to my rights under 15 U.S. Code 1681b and 1681i. 
The following inquiries were made without my permission, are not tied to any open accounts, and violate the permissible purpose clause under the FCRA : XXXX XXXX XX/XX/XXXX According to XXXX XXXX United States, XXXX XXXX XXXX. XXXX XXXX ( D.D.C. XXXX ), credit inquiries must meet the permissible purpose requirement. These inquiries do not qualify and therefore must be deleted. 
Please provide : 1. Proof that I initiated a credit transaction with the listed entities.

2. The method used to verify that I authorized the inquiries.

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 2025-06-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
I hold a High-Yield Savings Account ( HYSA ) with Marcus by Goldman Sachs XXXX On XX/XX/year>, I attempted to withdraw funds, which were blocked due to an unspecified security review. Since then, my funds have been completely inaccessible, and I have not received a meaningful update or timeline. 

I have spoken with multiple representatives over the past weekmost recently with XXXX and XXXX on XX/XX/year>. While XXXX was professional, she told me there is no estimated resolution timeline, and that I must stay put while my funds remain frozen. 

I have made approximately XXXX successful transactions with the same external account ( the only XXXX ever linked to my XXXX account since its opening in XX/XX/year> ). XXXX claims to now be verifying my ownership of this account, which makes no sense given the consistent, validated use over the past XXXX months. 

To make matters worse, I have had XXXX separate encounters with rude customer service agents who were dismissive and explicitly stated they can not help and will not provide any resolution dates. Despite over XXXX hours of effort, Ive received no secure message, no email, and no formal communication outlining the issue or a path forward. 

This ordeal has created real financial harm : the money I attempted to withdraw was needed to pay my rent. As a result of XXXX freezing my funds, I was forced to take out a loan, incurring interest and immense emotional stress. This is unacceptable behavior from a financial institution and raises serious questions about their internal controls and consumer protection standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-06-10 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: FL

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-06-10 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:
Upon reviewing my credit record, I discovered the presence of late payments that appear to be inaccurately reported or lack proper documentation. Despite sending correspondence to the creditors over 30 days ago requesting validation and supporting evidence for these entries, I have received no response and they have failed to provide satisfactory proof of these alleged late payments. This lack of validation undermines the credibility of these negative entries and suggests they may be improperly included on my credit report without adequate substantiation.

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 2025-06-10 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: MS

Complaint narrative:
I am reporting Equifax for refusing to process a valid dispute regarding unauthorized hard inquiries on my credit report, which are the result of identity theft. I previously had fraudulent accounts removed due to this same identity theft case. However, Equifax is now refusing to investigate or remove the associated hard inquiries. 

I contacted Equifax by phone on XX/XX/XXXX, but the representative XXXX was dismissive and hostile. I was told that Equifax does not dispute inquiries, which is inaccurate. Under the Fair Credit Reporting Act ( FCRA ), Section 604, only inquiries with a permissible purpose and consumer authorization may be listed on a consumer report. These inquiries were made without my knowledge or consent. 

Despite submitting an FTC Identity Theft Report and providing details, Equifax has refused to act unless I send documents through the mail, rather than offering a secure online upload option. Ive taken reasonable steps to resolve this directly and Equifaxs refusal to assist violates my rights under the FCRA. I am requesting the CFPB investigate and intervene to ensure these fraudulent inquiries are removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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 writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

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 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
My TD XXXX account was compromised and I was fraudulently was left with a {$1000.00} loss. I attempted to have TD Bank resolve the fraud and return my loss but they are claiming that there was no fraud. I was the victim of fraud and I am now unable to get the bank to rescind the fraudulent amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: IN

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 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 2025-06-10 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: IN

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 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 2025-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, Robinhood restricted my account with " unusual activity '', it stated " We'll notify you by XX/XX/XXXX. '' On XX/XX/XXXX, they stated " We'll notify you by XX/XX/XXXX ''. 
On XX/XX/XXXX, it becomes XX/XX/XXXX, and today it becomes by XX/XX/XXXX. Day after day with no updates or reasons. They have never asked me to provide documents to solve such issues. 
I have contacted them multiple times but I was being told there is no time frame. 
I have all my savings in Robinhood with cash amount of a little under {$160000.00}. I need the funds to pay the upcoming credit card bills and tuition. 
Due to the restriction, I can not withdraw my money. 
This unlawful freeze causes significant financial hardship for me right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$4000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$0.00} INQUIRIES : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-06-10 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: IN

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: NC

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 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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to request verification of the debt referenced above, which you claim I owe. This is not a refusal to pay but a request for information regarding your claim. I assert my right to a written validation of this debt under the laws set forth in the Fair Debt Collection Practices Act. 

Please provide the following : XXXX. Verification and validity of the debt, including the amount owed and calculations to substantiate the sum, as well as a breakdown of any fees, interest, or other costs added. 
XXXX. A copy of the original signed agreement or instrument that states I agreed to pay the creditor. 
XXXX. Verification that your agency is legally permitted to collect this particular debt in my state, including licensing information. 
XXXX. The name and address of the original creditor. 
XXXX. Details of the last payment made on this account, showing any transactions related to this account. 

Please note that I request all future communication regarding this matter be conducted in writing. 

If you can not provide the requested information, I expect the collection attempt to be ceased and for this account to be removed from my credit report with any bureau to which you may have reported. 

While you are verifying this debt, I would appreciate your cooperation by halting any future collection activities. In accordance with my rights, please provide the requested documentation to help me better understand and validate your claim. 

Thank you for your prompt attention to this matter. 

Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$0.00} XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$0.00} XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$980.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$430.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XXXX, Balance : {$620.00} INQUIRIES : XXXX  Date : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: IL

Complaint narrative:
I can not access my rewards points. Capitol One has Two-Factor Authorization in place to prevent fraud. In doing so, their engineering has blocked out legitimate customers from accessing their rewards. Despite entering the valid cell phone number that is registered on my account to verify my identity, Capitol One 's computer system is not recognizing the cell number and thus not allowing me to verify my identity to use my rewards points. 

I rightfully earned these rewards points that I want to use for travel, and I can not access them. None of the representatives on the phone seem to know what the issue is nor did they provide any resolution to the matter. 

After an online search, I found a XXXX forum where many consumers were also experiencing the same issue. This is a known problem with Capitol One and they have not done anything to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: LA

Complaint narrative:
I'd like to let you know that there are items on my credit report that have resulted from fraud to which I never benefited from. I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated. I need you to prevent further harm and fraud to my personal information by having all these fraudulent transactions and account removed from my credit report now. I expect this to be resolved immediately. It would be a big help to lessen the tremendous anxiety and stress it's causing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: PA

Complaint narrative:
Despite consistently meeting all payment deadlines, this issue has caused undue stress and sleep disturbances. It's concerning to face repercussions for actions I haven't taken. I kindly request an immediate correction to my account to reflect accurate information and mitigate the stress caused.

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