vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Subject : Request for Investigation and Removal of Inaccurate/Unverified Accounts Dear Sir or Madam, I am writing to dispute the accuracy of the following accounts on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), Section 611. These accounts are reported inaccurately and/or can not be verified. Please conduct an investigation and provide documentation proving their validity. If you can not verify, please remove them from my credit file immediately. 

Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Status : Charged-off account ( unpaid ) Original Creditor : XXXX XXXX Please send me the results of your investigation, along with any supporting documentation you used to verify the accuracy of these accounts. If you are unable to verify any of the above information, I request that the unverified account ( s ) be deleted from my credit report.

Under the FCRA, you are required to complete this investigation within 30 days of receipt of this letter.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
An account appears on my credit report that I did not open or approve. I have no affiliation with the creditor and never authorized the use of my personal information. This false entry is harming my creditworthiness and needs to be removed promptly.

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: AL

Complaint narrative:
I paid both accounts in full and they are still reporting to XXXX. I have disputed it multiple times and it has yet to be removed. The amounts paid if {$340.00} and {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$200.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$170.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$680.00} XXXX  # XXXX XX/XX/XXXX -- {$3500.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$310.00} XXXX  C # XXXX XX/XX/XXXX -- {$1200.00} UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX DEPT OF ED 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 2025-08-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
A false and fraudulent account is listed on my credit file. I did not open or approve this account and have no connection to the creditor reporting it. This item is inaccurate and damaging to my credit history.

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 2025-08-08 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:
In accordance with USC 1681g, these inaccurate accounts must be removed within 15 days.

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 2025-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: AP

Complaint narrative:
On XX/XX/year>, XXXX placed a temporary restriction on my brokerage account without notice or explanation. I immediately contacted support requesting : XXXX. The exact reason my account was flagged. 


XXXX. The specific policy or law allegedly violated. 


XXXX. A timeline for lifting the restriction or releasing my funds. 



From XX/XX/XXXX to XX/XX/XXXX, I repeatedly followed up. The only responses I received were generic, copy-and-paste messages from multiple representatives stating my account was under review or that I should upload a XXXX  bank statement. However, I was blocked from changing my phone number and could not access the upload feature in the app to provide the document. 

On XX/XX/XXXX, I was told my account would be closed and that returning my funds to my bank could take 30120 days, depending on the bank. I again asked for a reason for the closure and confirmation that the funds would be sent to the correct account, but no direct answers were given. 

As of XX/XX/year>, it has been over XXXX weeks since the restriction began. I still do not know why my account was closed, can not access my funds, and have no firm date for their return. This delay and lack of disclosure have caused financial harm. I request the CFPB investigate and require Robinhood to provide a written explanation and immediately release my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: CO

Complaint narrative:
I was a victim of XXXX  assisted kidnapping scam. Western Union allowed XXXX separate transactions within a XXXX hour period to XXXX in the amounts of {$1300.00}, {$1700.00} and {$2000.00}. They did not vet any information ask any. questions. They could see the last transactions as they verbally stated but still allowed the payment from three separate location within two hours. This should have alerted them to scam or fraud activity. They are unwilling to offer refunds and do nothing to protect the consumer. They make it very easy for criminals to take advantage of a flawed system. They contribute to a large scale organized criminal enterprise by failing to safeguard consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
A fraudulent account has been reported on my credit report without my authorization or knowledge. I have never opened or had any relationship with the creditor reporting this account. This inaccurate information is damaging my credit and misrepresenting my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NH

Complaint narrative:
Wells Fargo has added new fees and interest to a disputed balance already under active CFPB review. 

This is a follow-up to CFPB complaint XXXX XXXXXXXX regarding an unauthorized {$10000.00} Wells Fargo credit card charge. The fraud began with a spoofed call from someone impersonating Wells Fargos fraud department, who used Wells Fargo short code XXXX to send me a XXXX verification code. I believed it was legitimate. Once I provided it, they accessed my account, changed my password and transferred {$10000.00} from my credit card to my checking account without my authorization. 

While the transfer was in progress, I received a genuine Wells Fargo fraud alert from short code XXXX and replied N ( No ) in real time, yet the transaction was processed anyway. 

After moving the {$10000.00} into my checking account, the scammers told me my Wells Fargo cards had been compromised and instructed me to add a nonWells Fargo credit card to my digital wallet so they could recoup the funds. Once added, they moved {$9800.00} from my checking account onto that card. They then told me to delete all cards from my wallet and close all accounts. They said I would receive a link to change my password, which I never received. So I called the real Wells Fargo telling them I didnt get the link, thats when I was told I had been scammed. 

Wells Fargo then added a {$500.00} cash advance fee for this unauthorized transaction. Despite unanswered repeated emails and calls to their Executive Office requesting a pause during the investigation, they did it anyway. Then I was told by someone other than my case manager, that they do not have the authority to pause the charge because the lower-level fraud department denied my claim on the false premise that I authorized it. 

On my XX/XX/year> statement, Wells Fargo added another {$100.00} in interest charges, bringing total damages to {$10000.00}. This conduct appears to violate the Fair Credit Billing Act. 

Please see attached PDFs for an executive summary, full timeline, statement, and supporting evidence.

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 2025-08-08 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: VA

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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

Complaint narrative:
I am filing this complaint because the consumer reporting agency has failed to fulfill its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide a detailed description of the reinvestigation procedures used to verify disputed information when requested by the consumer. I specifically requested the name and contact details of the furnisher, the identity of the individual the agency communicated with, and the documentation relied upon to verify the accuracy of the disputed account. The agency failed to provide this information within the 15-day period mandated by law. This failure to respond constitutes 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 2025-08-08 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: KS

Complaint narrative:
I was recently reviewing my credit report and noticed that there were a lot of fraudulent account reporting on my credit report I have reached out to the original creditors and the credit companies and requested information validation of debt and they have not given me anything. They just sent me a letter saying its verified with no validation of anything.Credit Report Details Creditor Name XXXX XXXXXXXX Original Creditor XXXX XXXX  Account Type Collection Account Info Last Updated By Creditor XX/XX/XXXXXXXX  Balance - {$1400.00} Highest Balance {$1400.00} Date Opened XX/XX/XXXX Account Disputed No Account Condition Derogatory Remarks Dispute resolved ; customer disagrees XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There is a fraudulent account listed on my credit report that I have never opened, authorized, or agreed to. I have no connection to the creditor, and its presence is the result of unauthorized use of my identity. This false reporting is negatively impacting my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Subject : Request for Investigation and Removal of Inaccurate/Unverified Accounts Dear Sir or Madam, I am writing to dispute the accuracy of the following accounts on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), Section 611. These accounts are reported inaccurately and/or can not be verified. Please conduct an investigation and provide documentation proving their validity. If you can not verify, please remove them from my credit file immediately. 

Accounts in Dispute : XXXX. XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$820.00} Date Opened : XXXX/XXXX/XXXX  Please send me the results of your investigation, along with any supporting documentation you used to verify the accuracy of these accounts. If you are unable to verify any of the above information, I request that the unverified account ( s ) be deleted from my credit report. 
Under the FCRA, you are required to complete this investigation within 30 days of receipt of this letter. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
An unauthorized account has been listed on my credit report without my consent or involvement. I did not open this account and have never done business with the creditor. This fraudulent information is misleading and damaging to my credit profile.

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I HAVE REVIEWED MY CREDIT PROFILE AND NOTICED THERE WERE ACCOUNTS THAT WERE ILLEGALLY REINSERTED ONTO MY PROFILE AFTER BEING DELETED AND INACCURATE CREDIT REPORTING INFORMATION BETWEEN XXXX, EQUIFAX AND XXXX. THE ACCOUNTS LISTED BELOW HAS BEEN DELETED AND REMOVED FROM MY CREDIT PROFILE FROM EQUIFAX AND XXXX  AND HAS NOT BEEN REINSERTED AFTER INVESTIGATION. HOW IS IT THAT XXXX  HAS NOT REMOVED THESE ACCOUNTS THAT HAVE BEEN DELETED FROM ALL CREDIT BUREAUS? THIS IS IN DIRECT VIOLATION OF FCRA 15 U.S. Code 1681i ( a ) ( 5 ) and 1681e ( b ) and FCRA USC 1681 Section 611 ( a ) ( 1 ) ( A ), ( a ) ( 1 ) ( B ), ( a ) ( 5 ) ( B ). I DEMAND THESE ACCOUNT BE REMOVED WITHIN 2 BUSINESS DAYS. 
XXXX. XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is an account on my credit report that was added without my knowledge or consent. I never applied for or authorized this account, and its presence is the result of fraud or identity theft.

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 2025-08-08 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: VA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$5600.00} XXXX - XX/XX/XXXX - {$5100.00} XXXX XXXX XX/XX/XXXX - {$2500.00} XXXX  - XX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$19000.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief