vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Date : XX/XX/year> Amount : {$790.00} Company : Huntington Bank While traveling from the XXXX to XXXX, I was informed at the airport that my extra baggage charge would be {$120.00} USD. When I tried to pay using my Huntington card, it was declined, so I used a different card to successfully pay the {$120.00}. Later, I noticed an unrecognized charge of {$790.00} on my Huntington account, even though I had no additional bags and had already paid for the single extra bag using another card. I called their customer service several times, but to no avail, I got no response. They just transfer my call from one department to the next.

This appears to be an incorrect or unauthorized charge. I contacted my bank regarding this issue but have not received a resolution or refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am filing this complaint to dispute the accuracy, validity, and authorization of certain credit card accounts currently being reported on my consumer credit file. I did not provide authorization or written consent for these creditors, data furnishers, or third parties to report, share, or distribute my private financial information to any credit reporting agency. Therefore, I am requesting that the furnisher and credit bureaus provide full verification that these accounts belong to me, including any original signed contract or agreement bearing my signature that expressly grants permission to report my information, a full payment history, and documentation showing the date and method by which the account was opened and maintained. If any of these accounts have been reported as charged off, I request verification of the charge-off details, including supporting records and the creditors accounting data. If a Form 1099-C ( Cancellation of Debt ) has been issued for any charged-off account, I also request a copy of that form and confirmation that the account was not subsequently sold, collected, or re-reported in violation of law. Pursuant to the Fair Credit Reporting Act ( FCRA ) 602, 609, 611, and 623, all information furnished must be accurate, complete, verifiable, and reported only with proper authorization. Under the Gramm-Leach-Bliley Act ( 15 U.S.C. 68016809 ), I further assert my right to privacy and expect all parties to safeguard my nonpublic personal information. Any unverifiable, inaccurate, or unauthorized reporting must be immediately deleted from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-31 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-31 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: FL

Complaint narrative:
Im reaching out because theres a collection account from XXXX XXXX ( account ending in XXXX ) showing up on my credit report, and I believe it may be inaccurate or unverified. 

Im asking for this account to be properly investigated under my rights with the Fair Credit Reporting Act ( FCRA ). Ive noticed some inconsistencies with the reported dates and I havent received any clear proof showing that this debt actually belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: CA

Complaint narrative:
I am submitting this complaint against Experian for violating my rights under the Fair Credit Reporting Act ( FCRA ) by failing to provide the legally required Method of Verification ( MOV ) and for continuing to report inaccurate information regarding two XXXX accounts that were disputed on XX/XX/XXXX. 

On XX/XX/XXXX, Experian returned a generic updated result without providing the requested procedural description or documentation as required under 15 U.S.C. 1681i ( a ) ( 7 ). Experian has therefore not fulfilled its obligation to describe in detail the method used to verify the information or the sources consulted. 

Additionally, Experian has failed to mark either XXXX account as disputed in the comment section. The tradelines simply read Closed at credit grantors request with no XXXX  code or notation of dispute, violating both FCRA 1681s-2 ( a ) ( 3 ) and Metro 2 Field 24 compliance standards, which mandate that consumer disputes be clearly reported. 

Experians so-called reinvestigation also conflicts with data held by other CRAs : XXXX  deleted both XXXX  tradelines as unverifiable ; This shows Experian conducted a superficial, automated review instead of a reasonable reinvestigation as required by FCRA 1681i ( a ) ( 1 ) and case law ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ). 

I requested Experian produce the ACDV/e-OSCAR payloads, the names and contact information of any furnisher representatives they communicated with, and the exact Metro 2 field values used during verification ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). None of this was provided within the statutory 15-day period. 

Experians continued reporting of these accounts as verifiedwhile failing to ( 1 ) document its reinvestigation procedure, ( 2 ) flag the tradelines as disputed, and ( 3 ) reconcile factual inconsistenciesconstitutes willful and negligent non-compliance with FCRA 1681e ( b ), 1681i ( a ) ( 1 ), and 1681i ( a ) ( 7 ).

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 2025-10-31 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:
I am submitting this third-round dispute because my credit report with TransUnion continues to display inaccurate and unauthorized information, including a fraudulent collection account and hard inquiries that I did not authorize. Despite my previous disputes and submission of documentation, this information remains uncorrected, constituting willful noncompliance with the Fair Credit Reporting Act ( FCRA ). 

Fraudulent Collection Account I have identified a fraudulent collection account reported by XXXX, account number XXXX, with a balance of {$100.00}, opened on XX/XX/XXXX. I did not authorize or open this account and have no knowledge of it. 

This account is negatively affecting my credit and was placed without my consent, in violation of my consumer rights under the FCRA, including : 15 U.S.C. 1681i Right to dispute and have inaccurate or unverifiable information removed.

15 U.S.C. 1681s-2 Furnishers must not report inaccurate information.

15 U.S.C. 1681b No permissible purpose for accessing or reporting this account.

15 U.S.C. 1692e Prohibits false or misleading representations in debt collection ( FDCPA ).

Unauthorized Hard Inquiries According to the FCRA under 15 U.S.C. 1681b, a consumer reporting agency may only share a credit report when there is a legitimate business need initiated by the consumer. The creditors responsible for the inquiries listed below have confirmed that they have no record of my consent, no signed agreements, and no permissible purpose. These inquiries were not authorized by me : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Demand for Immediate Correction I am formally demanding the following actions : Immediate and permanent removal of the fraudulent collection account from my credit report.

Immediate deletion of all unauthorized hard inquiries listed above.

Written confirmation from TransUnion once all corrections have been completed.

Compliance with all applicable provisions of the FCRA and related consumer protection laws.

This letter serves as final notice and a formal demand for compliance under federal law. 

Sincerely, Sincerely, 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 2025-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: IL

Complaint narrative:
I am an independent XXXX and a XXXX company paid me for a brand collaboration through Wise Inc.. I accidentally gave the XXXX company Wises XXXX code with XXXX routing details. Wise says the funds were returned on XX/XX/year> ( earlier saying XX/XX/year> ), but the senders bank, XXXXXXXX XXXX, has not received any refund or SWIFT confirmation. Wise keeps citing technical issues and can not provide the XXXX or prove the funds left their XXXX XXXX pooled account. I have been in contact with them for a month now to try to have the funds returned back to XXXXXXXXXXXX XXXX  and the refund confirmation sent to me. XXXXXXXX XXXX  will not pay me until they see that the funds have been returned to them. This delay has caused me financial harm as I have not been paid for my work.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: CO

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: CA

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-10-31 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: NC

Complaint narrative:
I am a verified victim of identity theft, which has resulted in the fraudulent opening and reporting of this account. This dispute is being submitted pursuant to the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ), which requires consumer reporting agencies to block fraudulent information from a consumer 's credit report within four business days of receiving appropriate 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 2025-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Im filing this complaint because CAINE WEINER is reporting an account XXXXXXXX XXXX XXXX on my credit report that I dont have proof is valid. 

I havent received any letter or documentation from them within five days of their first contact, as required by the Fair Debt Collection Practices Act ( FDCPA ). They also havent provided any documents to show that this debt belongs to me or that theyre authorized to collect it.

Im requesting that CAINE WEINER provide proper validation, including the name of the original creditor, proof of my agreement to the debt, and a detailed breakdown of how the balance was calculated. If theyre unable to provide this information, the account should be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-10-31 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. 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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed 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 2025-10-31 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: FL

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is an inaccurate item. It shows as a late payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: PA

Complaint narrative:
Normally over pay this card and I was late for the first time and was given no forgiveness, and no understanding.

Company response to consumer: Closed with monetary relief