vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 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: PA

Complaint narrative:
This morning, I noticed some incorrect accounts listed on my credit report and I have no idea how they got there. When I checked my report as I normally do, I found unexpected discrepancies. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Because of this, Im requesting a careful review of the documents I submitted so that I can have peace of mind moving 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 explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: WV

Complaint narrative:
I am writing to formally dispute the accuracy of a LVNV Funding collection currently being reported on my credit file. Upon recently reviewing my credit reports, I was shocked to find this account is still listed despite having been fully paid. It was my understanding that upon payment, LVNV Funding would remove the tradeline from my credit report. However, this collection remains, inaccurately reflecting a negative status and negatively impacting my credit profile. As a result, I have been unable to secure credit and it is jeopardizing my ability to obtain approval for a home loan. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into this matter and the removal of this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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:
I've recently reviewed my credit report and found out that I have fraudulent accounts on my credit report. Please, delete this information from my credit history, because it doesn't belong to me and it makes getting a credit much harder for me. Thank you in advance! 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 2025-04-28 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: CA

Complaint narrative:
I've recently reviewed my credit report and found out that I have fraudulent accounts on my credit report. Please, delete this information from my credit history, because it doesn't belong to me and it makes getting a credit much harder for me. Thank you in advance! 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 2025-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
XXXX hold a Capital One credit-card account XXXX XXXX XXXX XXXX On XXXX I had a credit balance of XXXX (negative balance on my statement). I submitted a refund request on the same date  and Case XXXXRegulation Z (12 C.F.R. 1026.11(a)(2)) requires the issuer to refund a credit balance greater than XXXX within seven business days of receiving a written request. Capital Ones own policy states the same timeframe.\n\nI have called Capital One four times (most recently XXXX XXXX XXXX XXXX XXXX) but have been told only that the request is pending. No check or ACH refund has been issued, and no tracking number or date was provided.\n\nThe delay is 14 now  business days beyond the legal deadline. Because the XXXX has been withheld, I have incurred lost interest income ( XXXX at prevailing 5% APY).'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my account ending in XXXX that are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furniture, but the late payments remain without proper validation or documentation. Under 15USC168S2A furnitures must report accurate information under 15USC1681I the credit bureaus must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I went to Wells Fargo XXXX XXXX XXXX as a nonmember to cash a check ( {$25000.00} ) that their member wrote me. The Wells Fargo teller XXXX XXXX refused to cash the check saying she couldnt cash it because my last name didnt match the check ( I was recently married ) so I already knew to bring 2 forms of ID and marriage license and she refused to cash check. I drive to another Wells Fargo XXXX XXXX and XXXX XXXX minutes away from the location, and the branch XXXX XXXX, verified my IDs and said everything was correct, verified their member account and also contacted the member to verify he wrote me the check. Everything was fine, however when she attempted to cash the check there was an alert in her system saying not to cash it. I asked was it because of the first teller at the previous bank and she replied to contact customer service. I contacted customer service and with their member on three way and they confirmed it wasnt a hold. So I went back and told XXXX what the customer service rep stated and she spent 1 hour calling them and trying to see what the issue was. Final issue she stated was because Im not a member they couldnt cash it. Its stated as a nonmember that a fee had to be paid which is fine and I was willing to pay that fee of {$10.00} but saying they couldnt cash it. I have the entire conversation recorded and told the branch manager that Im being discriminated against.

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 2025-04-28 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-28 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: GA

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 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 2025-04-28 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: GA

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 non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
I received a text that stated it was a fraud alert from a credit card company, and someone was trying to transfer a balance of {$2000.00} from my card. The message said to text back yes or no if I was aware of this transaction. I said no, I was not aware, and then someone called me from a number out of XXXXXXXX XXXX  and began by asking me to verify my name. I did, and then the asked me if I was familiar with the {$2000.00} transaction. After I said no, the man asked me if I was also familiar with a withdrawal that was attempted at an ATM in XXXXXXXX XXXX for {$3000.00}. He asked me if I had my card in my physical possession or if it had been lost or stolen. I told him I still had all my cards. I then picked up my wallet to check and make sure I did have all of them and I hadnt somehow lost one, and I realized this person said he was from Chase, but I dont have a credit card through Chase XXXX At this point I hung up on the man. Hopefully this will help someone in the future not make the same dummy mistake I did. Check your wallets friends!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: CA

Complaint narrative:
Last year around XXXX my wallet was stolen from a XXXX downtown XXXX XXXX. I was able to cancel all my cards but I never thought my ID would be the biggest issue. Whoever stole my identity card took it to the XXXX and opened a XXXX capital one credit card. They used my old address on the card and a fake phone number and a fake email address. 
I didn't find out about this card until the bank ran a credit check and my score was below XXXX. They looked into it and told me it was my Capital One card- which I knew I had never had a capital one account. 
I called capital one and eventually found my account under my name, because obviously I never had the card. I had the agent email me a list of all the charges to the card and can attest I never made any of those charges. 
I filed for fraud, updated all the information to my correct information, and submitted the claim. Now four times I have resubmitted and been turned away as the claim has been found as not fraud - and they are saying its because there was a phone number and address. Which is absurd! They refuse to do anything about it with the last man only repeating the same sentence back to me - Im sorry maam we can not give you the answer you want. 
I am beyond frustrated, I am being robbed, I have no paperwork because I never applied for this card, and I am being held to the debt of $ XXXX while my XXXX XXXX suffers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-28 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: NY

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: FL

Complaint narrative:
I noticed someone applied for something in my name. I DID NOT AUTHORIZED THAT!!!!!

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 2025-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: IL

Complaint narrative:
I applied for an apartment at XXXXXXXX XXXX XXXX in XXXX with XXXX XXXX on XXXX - the fee was {$500.00}. Subsequent to the application, property management misrepresented or requested funds that were inaccurate and punitive in nature. I disputed the fee with my credit card company, XXXX, and as soon as the dispute was opened the management company sent the amount to collections with Hunter Warfield who repeatedly called me and was horribly rude and threatening over the phone. Dates of XXXX and XXXX XXXX  XXXX actions are as follows : XX/XX/XXXX - it was never disclosed in the fee sheets or application process that residents had to pay {$30.00} to register their pets. I asked on that day that XXXX disclose all fees - no one replied. I was subsequently bombarded with multiple identity and financial checks even after entering the information all in the application. 

XX/XX/XXXX - I was sent another financial verification that required I respond within two hours or my application would be cancelled. I could not get anyone on the phone until XX/XX/XXXX. 

XX/XX/XXXX - after being approved and told I should expect my lease, I was forced instead to complete the pet screening. I could not get anyone on the phone from the building to assist again. 

XX/XX/XXXX - instead of getting a call back from property management on any day prior, I was sent my lease on Friday at XXXX well after the office closed with a welcome letter and lease document requiring I pay an amount that was never agreed to. It stated that if I did not sign within 48 hours my application would be cancelled. I requested that someone call me the next day and received no response Saturday the XXXX or Sunday the XXXX. I did not hear from anyone until Tuesday the XXXX - by then my application would have been cancelled due to XXXX 's own negligence. 

XX/XX/XXXX - I notified XXXX of my decision to dispute the application fee with my credit card company and received no response. 

XX/XX/XXXX - I opened the dispute, XXXX sent the fee to collections with Hunter Warfield. The dispute was eventually decided in my favor by XXXX guidelines as the vendor gave no evidence to support the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: CA

Complaint narrative:
CFPB COMPLAINT Subject : URGENT IDENTITY THEFT COMPLAINT DEMAND FOR PERMANENT DELETION & BLOCKING UNDER FCRA LAWS Complainant Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX Phone : XXXX Email : XXXX Complaint Against : Experian ( XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX ) Equifax ( XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX ) TransUnion ( XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX ) Summary of Complaint : I am a documented victim of identity theft, as proven by my official FTC Identity Theft Report # XXXX, dated XX/XX/year>. The fraudulent accounts and inquiries identified involve XXXX XXXX and XXXX XXXX XXXX  XXXX. I NEVER applied for any accounts or authorized any inquiries from these companies. 

Violations Committed by the Bureaus : Failure to Block fraudulent accounts and inquiries as required under 15 U.S.C. 1681c-2 ( Section 611A of the FCRA ).

Failure to conduct a reasonable reinvestigation in violation of 15 U.S.C. 1681i.

Failure to maintain maximum possible accuracy in violation of 15 U.S.C. 1681e ( b ). 
Continued reporting of fraudulent data despite receipt of identity theft documentation, which constitutes willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o. 

Relief Requested : Immediate and Permanent Deletion of all fraudulent information, including but not limited to accounts, inquiries, or any data associated with XXXX  XXXX and XXXX XXXX XXXX  XXXX. 
Permanent Blocking of the fraudulent accounts and inquiries from reappearing under FCRA 15 U.S.C. 1681c-2. 
Full investigation records detailing the method of verification used. 
Written confirmation of permanent deletion and blocking within 5 business days of receipt of this complaint. 



Supporting Evidence : FTC Identity Theft Report ( # XXXX ) submitted with this complaint. 

Final Notice : If the bureaus continue to report fraudulent information knowingly after receipt of my FTC Report and this formal CFPB complaint, I will pursue legal action against them under FCRA 1681n, 1681o, and 1681c-2 for statutory damages, actual damages, attorney fees, and punitive damages. 



Would you also like me to create a version that you can upload directly to the CFPB portal ( formatted in short form with attachment notes )? 
I can prepare it and include a PDF if you want. 
Would you like that?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: CA

Complaint narrative:
No proper investigation has been made on multiple fraudulent accounts.

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