vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The data shown does not provide a comprehensive or accurate account of my financial performance. I therefore request an official investigation and any necessary revisions to correct the record.

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 2025-12-03 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
State: AZ

Complaint narrative:
CFPB Complaint Draft Wells Fargo Bank Company : Wells Fargo Bank , N.A . 
Product : Checking account / debit card Issue : Unauthorized or incorrect transaction ; failure to resolve dispute What happened On XX/XX/year>, I placed an online order with XXXX XXXX for a shirt. XXXX XXXX  canceled the order the same day, and the authorization hold that was placed on my Wells Fargo checking account should have fallen off as is standard when a merchant cancels a transaction. 
However, instead of expiring, the pending authorization posted as a completed charge to my Wells Fargo debit card. Since the merchant did not fulfill the order and canceled it immediately, this posted transaction is incorrect.Steps I contacted XXXX XXXX  directly, and they confirmed the order was canceled and that they did not process or capture any payment. I have screenshots and receipts documenting the cancellation and their statements. I filed a dispute/claim with Wells Fargo XXXX Wells Fargo denied the claim, stating that they had contacted the merchant ( XXXX XXXX ) and that I had not contacted the merchant.Both statements are false. 

The merchant informed me that Wells Fargo did not contact them, and I have documentation showing I DID contact XXXX XXXX On XX/XX/year>, I filed another claim and followed up with an email after speaking with a Wells Fargo representative on the phone. I have received no resolution. 

Why I believe Wells Fargos actions are wrong Wells Fargo posted a transaction that should have remained an authorization hold since the merchant canceled the order.Wells Fargo failed to conduct a reasonable investigation under Regulation E before denying my dispute.The bank made factually incorrect statements about contacting the merchant and about my actions.Wells Fargos failure to correct this error has resulted in the bank retaining money for a transaction that was never completed.

Harm caused I was charged for an item I never received. My checking account balance was improperly reduced.I spent significant time attempting to correct the issue, including multiple calls, emails, texts and documentation submissions.

What I want A full refund for the incorrect posted transaction {$43.00} .A proper investigation consistent with federal consumer protection laws ( Regulation E ).

A correction of any Wells Fargo records that incorrectly state I did not contact the merchant.

Written confirmation from Wells Fargo of the correction and resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
I took out a personal unsecured loan awhile back with Tower Loan. I made every payment until I got laid off about two months ago and I recently just started back working. Unemployment wasnt enough to live off of so theyve since been calling me everyday wanting me to make a payment. I paid them enough to get me a deferral but it only stopped the harassment for a week. I have explained my situation to the branch manager but theyve threatened to file suit. I asked them repeatedly to cease and desist with the harassing phone calls and told them that Ive already spoken with a bankruptcy attorney but they insist that without a case number provided to them that they can continue to harass me until otherwise.

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 2025-12-03 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: MI

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 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
During the time this account was reported, my life was in crisis. I experienced job loss, was caring for a sick family member, faced significant mental and emotional strain, dealt with suspicious activity on my personal information, and went through a period of housing instability. This situation created extreme instability in every part of my life, and the reporting of this debt has added overwhelming stress to my health and affected employment opportunities. 

This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and XXXX  my privileges. I demand this account be taken off immediately from all 3 credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I disputed inaccurate information with the credit bureaus, and they verified the accounts without providing any documentation or evidence as required under FCRA 609 and FCRA 611. The information is incorrect, and the furnisher can not validate it. I am requesting CFPB assistance to have the unverifiable accounts deleted from my 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 2025-12-03 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: NY

Complaint narrative:
Dear Sir/Madam, I am disputing the following charged-off accounts reported on my credit file with Experian : Charged-Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$910.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX {$590.00} I believe these accounts are reported incorrectly, and I request a full investigation and correction of these errors. 

Late Payments : XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: DISCOVER BANK
State: NJ

Complaint narrative:
discovery freezed my checking account and got my money without my concern. i dont have account with them, it might be an identity theft because i dont recognize the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I requested that my Capital One credit card be closed in XX/XX/year> before traveling internationally. I believed the account was closed. I did not receive any notifications, bills, or alerts indicating that the account was still open. 

When I left the U.S., the balance was around {$8000.00}. I made no purchases after that point. When I returned, the balance had increased to over {$10000.00} entirely due to late fees and interest, not spending. This increase happened only because the account was not closed after my request.

When I called Capital One, I explained that I had requested closure in XXXX. The supervisor acknowledged a phone call in XXXX but refused to review the call, refused to treat this as a servicing error, and refused to reverse the fees or interest that accumulated afterward. Instead of investigating what happened, I was repeatedly pushed into payment plans even after I clearly stated that I can not afford to make any payment. 

I lost my job and currently have no income, and I also live with a XXXX that affects my ability to find consistent work. The representative and supervisor continued to pressure me for payments despite knowing this, and did not provide any meaningful support or review of the servicing issue. 

I am filing this complaint because I believe the account was mishandled, the closure request was not processed properly, and I was unfairly pressured to make payments I can not afford, instead of Capital One reviewing their own error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The vehicle was refinanced through XXXX XXXX XXXX, and Capitol One has not showed or recorded that they were paid off. Also, my son paid off this car on XX/XX/year>. 
Would like for this to be taken off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
Effective today, I received an alert stating that my account with Exeter Finance is reporting to XXXX  30 Days late for the month of XXXX. This account was paid in full effective XXXX and should have been closed. My last payment due was for XX/XX/year>, in the amount of {$810.00}, that payment was made XX/XX/year>, that means my XXXX payment should not be reporting 30 days late. I didn't have any payments due after the month of XXXX, so why would Exeter report me 30 days late for the month of XXXX. This is inaccurate and I would like for this to be removed, its causing financial burden. I called Exeter and spoke with a rep, he offered me no help and just said he couldn't locate anything showing that I was ever 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my creditreport.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: TX

Complaint narrative:
CFPB COMPLAINT # 2 Against Experian Respondent : Experian Information Solutions Your Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Report Date : XX/XX/year> Complaint Summary I am filing this complaint because Experian is reporting multiple inaccurate, unverifiable, and outdated pieces of information, including : Unverified debt-collector accounts Incorrect personal information ( multiple names, addresses, phone numbers ) Failure to reasonably investigate disputes Failure to ensure maximum possible accuracy Experian is reporting 13 variations of my name, including misspellings such as XXXX XXXX and XXXX. 

Experian is also reporting 11+ old addresses, including several in XXXX  XXXX  and XXXX  that I have not lived at in years and that are not current or accurate. 

Experian is reporting old/incorrect phone numbers that are not mine or no longer valid. 

These inaccuracies increase the risk of mixed files, fraud, and improper association with debts that are not mine. 



Inaccurate Personal Information Experian Is Reporting Names ( 13 total ) Includes incorrect variations like : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Full list shown in the uploaded report. ) Addresses ( 11+ old addresses ) Experian is reporting addresses from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And many others that are outdated or not mine. 

Phone Numbers Experian shows multiple old numbers including ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX that are not current. 



FCRA Violations by Experian 602 ( A ) Experian must ensure maximum possible accuracy. It has not done so. 

607 ( b ) Experian must follow reasonable procedures to assure accuracy.

611 ( a ) Experian must conduct a reasonable reinvestigation when I dispute information.

623 Experian is reporting unverified information supplied by debt collectors who can not validate the debt.

609 ( a ) ( 1 ) Experian must provide the sources of all information. 

Experians reporting of multiple unverifiable names, addresses, and outdated accounts creates the appearance of a mixed file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
I have a small business and use Square for my customers to pay via a credit card. On XX/XX/year> I had a customer with a large order ( {$2200.00}. ) the customer tried to pay the transaction but it declined her card 3 times. She contacted her credit card company and realized that she forgot to change her address after a recent move and was entering the wrong zip code. On her fourth attempt she entered the correct zip code and the payment processed without an issue. On XX/XX/XXXX I received a message from square stating that they were holding the funds due to suspected fraud and ask me to explain the situation. I provided all my communication with the customer, and explanation of what happened, as well as photographs of the customers ID as well as the credit card in their name, proving that they payment was legitimate. Since that time, XXXX has refused to escalate the claim and states the only recourse is for me to refund the customer. The transaction has already been completed and there is no other option for acquiring payment from the customer as this is their only credit card. We are asking that XXXX release the funds due to the overwhelming amount of evidence provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: GA

Complaint narrative:
I am filing this complaint to dispute inaccurate information and questionable inquiries being reported by TransUnion. 

1. Charged-Off Account XXXX XXXX XXXX, Account XXXX. XXXX, Date Opened XX/XX/XXXX, XXXX {$2700.00} I dispute the accuracy and verification of this account. I request that TransUnion confirm the debts validity, ownership, and charge-off details with proper documentation. If such verification can not be provided, I request deletion in compliance with FCRA 611. 

2. Unauthorized or Questionable Inquiries Evolve XXXX, Inquiry Date XX/XX/XXXX XXXX XXXX, Inquiry Date XX/XX/XXXX I do not recall authorizing these inquiries. I request TransUnion to investigate whether these were made with my permission. If they were not authorized, please remove them immediately in accordance with FCRA 604.

3. Late Payment Reporting XXXX XXXX XXXX, Account No. XXXX I dispute the reported late payments as inaccurate or unverified. Please conduct a full investigation and provide supporting evidence for the reported delinquencies. If verification can not be established, I request correction or deletion. 

I ask that TransUnion provide written confirmation of the outcome of these investigations and any updates made to my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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 am contacting you regarding accounts that were neither opened nor authorized by me. Please check the accuracy of the information and remove the accounts from my report. Supporting documents are enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: PA

Complaint narrative:
I am filing this complaint regarding the inaccurate reporting of multiple late payments by this bureau. According to their records, several payments are falsely listed as late. These payments were actually made on time, yet this erroneous information persists on my credit report, resulting in harm to my credit score.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a XXXX XXXX XXXX XXXX. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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