vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-30 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: AZ

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 2025-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I had {$32000.00} in TD Bank as of on XX/XX/year>. On XX/XX/XXXX, TD Bank decided to close my checking account with the deposited funds which fully cleared and would not allow me to withdraw to my linked accounts. Their customer service refused to explain why or mail be a check. They also refuse to provide online login access. Their customer service still refuses to return my funds, giving all kinds of nonsensical reasons including investigating " suspicious activity '' which is baseless, they provide zero evidence or reasons for my funds being locked still, and refuses to issue a mailed check or ACH to my linked account and return my money. It has been two months now and TD Bank customer service still refuses to refund me my XXXX XXXX and refuses to mail a check or say what is happening with my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: SC

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me.

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report.

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

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 2025-08-30 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: TX

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 explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: LA

Complaint narrative:
I am a victim of credit fraud/identity theft. Accounts were opened in my name without my authorization. I did not apply for these accounts, and I have no relationship with the companies reporting them. These fraudulent accounts are negatively impacting my credit profile and score. I have already taken steps to report this identity theft, including filing a police report ( if applicable ), submitting an FTC Identity Theft Report, and placing fraud alerts/credit freezes with the credit bureaus. I am requesting that the unauthorized accounts and related inquiries be removed from my credit report, and that the credit bureaus and creditors investigate and correct these errors in compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

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 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My wife has a credit card or cards using my last name. My wife tried to apply for additional credit without asking permission to do so. The credit card is from capital one with the last 4 digits XXXX. I called customer service to inquire and to have my last name stricken from her account. They were unable to help. Talked to my wife about this matter and she became argumentative this is not the 1st time she has done this without permission. Can you help. 

XXXX XXXX XXXX XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The following hard inquiries appeared on my TransUnion credit report. I did not authorize these inquiries, nor did I apply for credit with these companies. I request that these inquiries be investigated and removed from my credit report under the Fair Credit Reporting Act ( FCRA ). 

TransUnion Inquiries to Include in Complaint : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 The following hard inquiries appeared on my Experian credit report. I also did not authorize these inquiries, nor did I apply for credit with these companies. I request that Experian investigate these entries and remove them from my file under the Fair Credit Reporting Act ( FCRA ). 

Experian Inquiries to Include in Complaint : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/year>. Well Fargo. XXXXXXXX XXXX-approximately XXXX XXXX XXXX  for {$1600.00} was made on my from my active cash account to my checking account. I did not authorize this transaction. 
I asked them to research where and who did this. The information was not provided and they denied a refund. 
I received a phone call XXXX stating it was Well Fargo doing an federal investigation and asked me to walk into Wells Fargo and do a transfer because someone was about to do a wire transfer from my checking account and I would lose all my money for 6 months or so if I didnt do this transfer immediately for XXXX $ He said they would add the {$8000.00} and then they would instruct me how to deposit it into a secure account that no one could access. At this point I believe him, but I had no idea they did a cash advance from my credit card. I didnt want to lose my money so I went to Well Fargo in XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The fraudster said that it was an inside job and dont mention anything to the tellers. I took out {$8000.00} and filled their instructions. He had me add a card to my wallet and go through XXXX XXXX in ATM and tap my phone and deposit. After this he shut down my phone and I lost my information. I realized I was scammed and called Wells Fargo immediately. They put a hold on my accounts and issued new ones next day. I called police and filed a police report. I tried to talk to bank manager but wasnt there. They denied the fraud claim for {$1600.00} which I never made. I asked them to check deposits that day to get more information on where the money went and an XXXX address where the cash advance was made from. They did nothing no research just said I signed for withdrawal. I want more research to be done on my behalf, and what paze is because I never signed up for this. Well Fargo just did as little as possible and I am very disappointed and so angry. I will no longer have any accounts with them. 

XXXX  him My

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 2025-08-30 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: CCS Financial Services, Inc.
State: TX

Complaint narrative:
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-steps validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: SC

Complaint narrative:
* * Complaint Details : * * I am the victim of identity theft, and I submitted a valid identity theft report ( Police Report Case No. XXXX ), FTC Identity Theft Report, and proof of identity to TransUnion as required under the * * Fair Credit Reporting Act ( FCRA ), Section 605B * *. 

Despite having received the required documentation, TransUnion has refused to block and remove the fraudulent XXXX XXXX XXXX XXXX accounts ending in XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX  from my credit file. Their reasoning is that the accounts show a history of payments or prior disputes, which they claim validates the accounts. 

This reasoning is incorrect and in violation of the law. * * Payment history does not validate ownership or prove authorization of an account. * * Fraudulent accounts often contain fabricated payment histories or activity from the identity thief, and this can not be used as evidence that I am responsible for the account. 

Under * * FCRA 605B * *, TransUnion is legally required to block fraudulent information within * * 4 business days * * of receiving proper documentation. My documentation was submitted, yet the accounts remain on my file, directly harming my creditworthiness and financial standing.

* * Resolution Requested : * * * Immediate and permanent removal of the fraudulent XXXX XXXX XXXX XXXX accounts ending in XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX  from my credit file. 
* Written confirmation that these accounts have been blocked under FCRA 605B. 
* Assurance that TransUnion will comply with federal law in processing identity theft reports going forward.

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 2025-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My PayPal account was taken over in XX/XX/XXXX. The scam was very complicated and I am not even 100 % sure how they did it. From the picture I can put together, as Paypal is no help : What happened Account takeover : In XX/XX/XXXX, a fraudster gained access to my PayPal account. 

Fraudulent linking : They added a XXXX bank account and XXXX debit card that do not belong to me. 

Unauthorized withdrawals from PayPal : XXXX {$6200.00} General Card Withdrawal XX/XX/XXXX {$1400.00} User Initiated Withdrawal XX/XX/XXXX {$71.00} small test debit Total drained from PayPal balance : {$7600.00} Automatic PayPal bank pulls : After the balance was drained, PayPal attempted to replenish using my linked XXXX XXXX XXXXXXXX checking account : XX/XX/XXXX ACH debit for {$5700.00} ( PAYPAL ADD TO BALANCE ) Returned unpaid by my bank. 

XX/XX/XXXX ACH debit for {$1500.00} Returned unpaid by my bank. 

These pulls pushed my account negative and triggered a fee on XX/XX/XXXX. 

Actions taken I immediately reported the takeover and unauthorized transactions to PayPal.

I filed a dispute, then two separate appeals.

I provided evidence that : The XXXX XXXX/debit accounts are not mine. 

The IP addresses used do not match my location. 

Despite this, PayPal has repeatedly denied my disputes and appeals, siding with the scammer.

I also contacted my bank ; they returned the fraudulent ACH pulls, but the disruption forced me to close accounts and deal with negative balances and fees. 

Total impact {$7600.00} stolen directly from PayPal XXXX XXXX XXXX disruption : returned ACH debits, negative balance, and a posted fee Operational fallout : closed accounts, contractor payments delayed, and significant business disruption Minimum financial loss documented : {$7600.00}, plus operational damage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-30 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: IL

Complaint narrative:
Someone used my identity and opened up an auto loan without my consent or knowledge it was 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 2025-08-30 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: TX

Complaint narrative:
My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-30 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: FL

Complaint narrative:
There are multiple inquiries on my account i did not make that need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX multiple times in XXXX  i have never even applied with them once!! 
XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I couldnt paid for auto loan because I wasnt working. Plus they sent out letters about transfer auto loan to someone else to take over. I dont understand why they put on my report if someone else took over it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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: Google Compare Credit Cards Inc.
State: NJ

Complaint narrative:
My Google Pay/Google Play account stopped allowing purchases. Every time I attempt to use a payment method ( credit card, debit card, gift card, or XXXX credits ), the system marks it as unavailable. I have tried all troubleshooting steps suggested by XXXX XXXX, including clearing cache/data, reinstalling apps, and even removing secondary accounts. None of these actions resolved the issue. 

I have been in regular contact with Google XXXX since [ insert date of first ticket ], and Ive provided screenshots, case IDs, and detailed explanations. Despite this, my issue keeps being redirected or minimized as a device issue, when in reality this appears to be an error within Googles Payments Profile system. I currently can not use funds, gift cards, or credits tied to my account. 


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