vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-03 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: NJ

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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXXXXXX XXXX * * * * Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXXXXXX XXXX XXXX * * * * Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2025-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
We have an account with Wells fargo. It is a joint account with online bill pay. I have had an account with them for 39 years. Someone illegally gained access to our online bill pay through my husbands name and paid 4 bills, one with a check and 3 credit cards. We called them as soon as we saw the fraudulent acitivity, which was XX/XX/year>. I told them these were fraudulent and they told me they would investigate and resolve the issue in 10 days. Within the 10 days they refunded the fraudulent check but not the three credit card payments. We don't even have accounts with these credit card companies. I called the three credit card companies and they can not help me because I do not have accounts there and all I have is the last 4 digits of each account. Neither the credit card companies or the banks will help us and the bank is telling us that basically we are lying because they say we gave permission to someone to do this, WHICH WE DID NOT. This bank has a history of security breaches and yet they are trying to blame us for the loss of over XXXX dollars.

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 2025-08-03 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: NJ

Complaint narrative:
UPON ME LOOKING @ MY CREDIT REPORTS I NOTICED ACCOUNTS THAT WERE OPENED FRADULENTLY IN MY NAME AND ALSO HARD INQUIRES

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 2025-08-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: FREEDOM FINANCIAL NETWORK
State: MI

Complaint narrative:
On XX/XX/year> I was contacted about online loan company called achieve loans in regards to a {$4000.00} business law. They said I was qualified to the application and they had accepted my application for the {$4000.00} loan, the loan officer name was XXXX XXXX. He also said they required to have my bank routing number and my account numbers so that they could electronically send the {$4000.00} but what really happened but what really happened is they changed my passwords to my accounts and start making claims on insurance companies that Im affiliated Affiliated with for {$500.00} they did this four times also XX/XX/year> that was an electronic check deposited into my account for {$7400.00} I immediately went to my bank and had them close out all the accounts associated with my name and my business

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: FL

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the XXXX timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

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 2025-08-03 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: CA

Complaint narrative:
These are not my accounts remove accounts 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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I requested a debt validation letter because part of the debt was sold off and I was not notified nor did I receive the proper IRS paperwork at the time now they are trying to re-age the account which is illegal. I will be seeking legal action.

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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I requested a debt validation letter because part of the debt was sold off and I was not notified nor did I receive the proper IRS paperwork at the time now they are trying to re-age the account which is illegal. I will be seeking legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I have asked on multiple occasions to purchase TransUnion premium XXXX XXXX services. The requests have been made by me directly on the telephone, assisted by TransUnion associates. 
TransUnion refuses to allow me to access their free credit score web site. 
TransUnion has diminished my credit report by removing factual credit card data as reported by XXXX XXXX  XXXX for my XXXX XXXX credit card. 
TransUnion refuses to report that score. 
TransUnion also refused to report my fair score on a mortgage application to XXXX 's Bank. I have that letter of denial. 
XXXX filed a dispute with TransUnion to re publish my score. TransUnion refused. I have that letter also.

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 2025-08-03 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: NJ

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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX  XXXX XXXX * XXXX XXXX XXXX XXXX XXXX XXXX  Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint 1as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-03 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: NJ

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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX  XXXX XXXX * XXXX XXXX XXXX XXXX XXXX XXXX  Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint 1as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: TX

Complaint narrative:
I have repeatedly filed identity, theft reports, and submitted them to Experian They continue to tell me they will fix the problem only to come back and tell me they verified the account was open to my name. I have even had the police look up the individual and clearly the picture of them is not me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a formal complaint against Cash App ( Square , Inc. ) for withholding funds without explanation, retaining a transaction fee after a full refund, and failing to provide basic customer support or escalation. This has already consumed over three hours of my time and counting, disrupted my ability to pay bills, and caused material harm to my day. 

Summary of Incident : I received {$180.00} via Cash App. 
Cash App deducted a {$4.00} fee immediately. 
I was unable to access or withdraw the funds. No reason or warning was ever provided. 
In good faith, I refunded the full {$180.00} to the sender yet Cash App retained the {$4.00} fee, effectively charging me for a transaction that did not complete and that I never had access to. 
I spent three hours ( and counting ) attempting to resolve this with Cash App support. 
I was connected to a Cashapp agent, who was rude, dismissive, refused to offer any explanation or escalate the matter, and denied my request to speak to a supervisor. 

This incident appears to violate several federal consumer protection laws, including : 1. Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq.

Unexplained withholding of funds, lack of transparency, and lack of access to electronic funds. 

2. Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 and 5536 Retention of fees for an inaccessible and ultimately refunded transaction is potentially unfair or abusive.

3. Unfair or Deceptive Acts or Practices ( UDAP ) Withholding my funds without cause or disclosure, then retaining a fee, constitutes deceptive and abusive behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the XXXX timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

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 2025-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

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 2025-08-03 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am submitting this complaint to formally dispute XXXX collection accounts being reported by Midland Credit Management ( MCM ) on my credit file. These accounts are tied to original creditors including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. and appear to contain inaccurate, unverified, and potentially unlawful reporting practices. 

Disputed Collection Accounts : XXXXXXXX XXXX XXXXXXXX Account # : XXXX Original Creditor : XXXX XXXX  Date Opened : XX/XX/XXXX Reported Balance : {$2000.00} XXXX XXXXXXXX XXXX XXXXXXXX Account # : XXXX Original Creditor : XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Reported Balance : {$610.00} XXXXXXXX XXXX XXXXXXXX Account # : XXXX Original Creditor : XXXX XXXX  Date Opened : XX/XX/XXXX Reported Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX. 

XXXX  Account # : XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX, XXXX. 

Date Opened : XX/XX/XXXX Concerns : I have not received adequate validation of these debts under the Fair Debt Collection Practices Act ( FDCPA ). 

The Method of Verification for these accounts has not been disclosed, and no supporting documentation such as original contracts, billing statements, or full account histories have been provided upon request.

These accounts may violate Metro 2 formatting guidelines due to missing or inconsistent reporting fields ( e.g., missing Date of First Delinquency, inconsistent payment history, or improper status codes ).

Reporting these debts without full validation or accurate data is a potential violation of the Fair Credit Reporting Act ( FCRA ) 611 and 62

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One Shopping unexpectedly terminated my account in XX/XX/year> without prior notice or a clear explanation. At the time of termination, my account had a positive balance of over {$1000.00} in earned Shopping Rewards accumulated through legitimate purchases. These rewards had been available in my account for some time and were not the result of any recent or questionable activity. 

In addition, I had purchased multiple gift cards, some of which had been partially used. However, to use the remaining balances, I require access to the gift card details stored within my account profile access that I no longer have due to the account closure. The total value of these unused gift card balances exceeds {$300.00}. 

I never violated Capital One Shoppings Terms of Service. I did not create duplicate accounts, nor did I use bots, referral XXXX, or any fraudulent tactics. All of my activity was conducted in good faith as a regular, long-time user of the platform. 

After the termination, I reached out to their support team and formally requested reinstatement or reimbursement, as well as clear evidence of any alleged violation. Despite my multiple requests, I received only vague responses and no concrete proof. Capital One ultimately refused to refund the rewards or provide access to the unused gift card balances. 

I am now seeking the CFPBs help to recover these legitimately earned funds and to obtain a fair resolution. 

Thanks

Company response to consumer: Closed with explanation