vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
An incoming wire of {$80000.00} from my client was received on XX/XX/XXXX in my business account, this wire also funded the account. This wire was received for a custom closet. The funds from this wire were available to me without any issues. Then I tried to send a {$10000.00} wire on XX/XX/XXXX to XXXX of my subcontractors, and this seemed to have raised a flag as after this all my accounts were frozen, including my other personal accounts. I have been reaching out to the bank as soon as Capital One sent me an email. I was told the bank has made the decision to end all banking relationships with me. In the meantime, they have an open investigation but they have not made the funds available to me yet. I provided them with all my XXXX paperwork, invoices and phone numbers. I call them every day asking for updates but no one seems to know anything. They say they can not provide me with a timeline of when the accounts are going to be officially closed or when they will send me a check with all my funds. This is delaying my project and will probably bring me bigger problems with my client as I will not be able to deliver the renovation on time. The money that's on hold is needed to pay all the different vendors/subcontractors, supplies, etc...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: NH

Complaint narrative:
i recently checked my credit report i noticed that ive been a victim of identity theft and found numerous credit inquiries i have no knowledge of here are these inquiries XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, please removed these fraudulent inquiries from my credit report. i also attached my identity theft report as well.

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 2025-07-30 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: Experian Information Solutions Inc.
State: NH

Complaint narrative:
i recently checked my credit report i noticed that ive been a victim of identity theft and found numerous credit inquiries i have no knowledge of here are these inquiries XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, please removed these fraudulent inquiries from my credit report. i also attached my identity theft report as well.

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 2025-07-30 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: IL

Complaint narrative:
I've recently reviewed my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. 
According to Fair Credit Reporting Act 15USC1681c-2, I would like them removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've recently reviewed my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. 
According to Fair Credit Reporting Act 15USC1681c-2, I would like them removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
Received a notice on XX/XX/year>, that someone tried to open a checking account with Wells Fargo using my identification both without my consent or knowledge. The account was unsuccessfully opened but wanted to report the issue.

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 2025-07-30 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: 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. 



List of Unauthorized Inquiries : XXXX XXXX  - XXXX XXXX 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 explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Clark County Collection Service
State: NV

Complaint narrative:
I am writing in response to your attempt to collect a debt. I do not acknowledge ownership of this debt and request validation of the debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Under the FDCPA, I am requesting the following : 1. The amount of the alleged debt.

2. The name of the original creditor.

3. Proof that you are legally authorized to collect this debt.

4. A copy of the original contract or agreement bearing my signature.

5. A complete payment history and breakdown of any interest, fees, or other charges.

Until you provide this information, you must cease all collection efforts, including reporting this debt to credit bureaus. If you have already reported it, you must notify them that the debt is being disputed. 
Please note that under the FDCPA, any attempt to collect on a debt without proper validation is a violation of federal law. 
This letter is not a refusal to pay, but a request for validation. Upon receipt of the required documentation, I will determine my position on this matter. 
I expect a response within 30 days, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nelson and Kennard, LLP
State: ID

Complaint narrative:
I agreed to a settlement offer to the office of Nelson and Kennard. I paid the offer in full. However their system in collecting the money didnt like the account I sent money from so it was returned. So after moving money to a different account, they were able to withdraw via check the settlement amount. That is when they applied the money incorrectly and sent only half to XXXX, who owns the debt. Then Nelson and Kennard told XXXX that I had insufficient funds and wasnt able to pay in full. XXXX was to believe that I only kid half of what I agreed to. During this time, while I was thinking everything was taking care of, especially after the debt was removed from my credit report, I was sent a refund a month after the payment. I assume this was in good faith and used the money to pay other debts. Then Nelson and Kennard called and threatened to send me to collections even though they admitted to their mistake. They need to be held liable and pay XXXX the remaining amount from their own account. The following laws are some, but not limited to, of what they broke : Rosenthal Fair Debt Collection Practices Act Business & Professions Code 6106 Civil Code 1710 Civil Code XXXX Business & Professions Code XXXX They are deceitful, defaming me, and are fraudulent to me and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
I am writing in response to your attempt to collect a debt. I do not acknowledge ownership of this debt and request validation of the debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Under the FDCPA, I am requesting the following : 1. The amount of the alleged debt.

2. The name of the original creditor.

3. Proof that you are legally authorized to collect this debt.

4. A copy of the original contract or agreement bearing my signature.

5. A complete payment history and breakdown of any interest, fees, or other charges.

Until you provide this information, you must cease all collection efforts, including reporting this debt to credit bureaus. If you have already reported it, you must notify them that the debt is being disputed. 
Please note that under the FDCPA, any attempt to collect on a debt without proper validation is a violation of federal law. 
This letter is not a refusal to pay, but a request for validation. Upon receipt of the required documentation, I will determine my position on this matter. 
I expect a response within 30 days, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: MO

Complaint narrative:
I am disputing inaccurate and inconsistent reporting of my XXXX XXXX XXXX XXXX account across XXXX XXXX, and TransUnion. 

- Experian reports : " Paid, Closed/Never Late. '' - XXXX  reports : " 8 late payments, Not more than two payments past due. '' - TransUnion reports : " 16 late payments, 30 days past due ( historical ). '' These discrepancies violate the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 611, and 623, which require accurate reporting and proper reinvestigation.

I have disputed this account with XXXX XXXX, TransUnion, and XXXX XXXX XXXX XXXX  directly. Despite providing documentation, the inaccuracies remain unresolved. 

I request CFPB enforcement to ensure compliance and proper correction or removal of inaccurate data.

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 2025-07-30 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: NJ

Complaint narrative:
I submitted disputes to all three credit bureaus regarding inaccurate account information. One bureau properly conducted an investigation, determined the account was inaccurate, and removed it. However, the other credit bureaus failed to provide proper verification or conducted what I believe was a frivolous response. They continue reporting the inaccurate item despite being notified of the issue, in violation of FCRA 611, which requires a reasonable reinvestigation of disputed information. I am requesting immediate correction of this inconsistent and harmful reporting. Below is a list of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Report Inaccuracy Dispute To : dispute department Date : XX/XX/XXXX Dear Dispute Department, I reviewed my credit report on XXXX XXXX, XXXX, ( Subject : Urgent Request for Removal of Fraudulent Accounts Within 7 Days To Whom It May Concern, I am writing to urgently dispute fraudulent accounts that have been wrongfully reported on my XXXX credit file. These accounts were opened without my knowledge or authorization and are the result of identity theft. The following accounts are fraudulent and must be removed from my credit report immediately : ACCOUNT NAME XXXX  XXXX OPEN DATE XX/XX/XXXX ACCOUNT NAME XXXX  XXXX OPEN DATE XX/XX/XXXX ACCOUNT NAME XXXX XXXX OPEN DATE XX/XX/XXXX ACCOUNT NAME XXXX OPEN DATE XX/XX/XXXX I am formally requesting that these accounts be removed from my report within 7 days of receipt of this letter, due to the serious and damaging impact they are having on my credit standing and personal security. I have enclosed copies of the following documents to support my claim : A copy of my government-issued identification Proof of my current address A copy of the police report and/or identity theft affidavit Any relevant documentation proving the accounts are fraudulent Please confirm in writing that these accounts have been deleted from my file. If I do not receive a response within 7 days, I will escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. Thank you for your prompt attention to this urgent matter. ) Thank you. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Report Inaccuracy Dispute To : dispute department Date : XX/XX/XXXX Dear Dispute Department, I reviewed my credit report on XXXX XXXX, XXXX, ( Subject : Urgent Request for Removal of Fraudulent Accounts Within 7 Days To Whom It May Concern, I am writing to urgently dispute fraudulent accounts that have been wrongfully reported on my XXXX credit file. These accounts were opened without my knowledge or authorization and are the result of identity theft. The following accounts are fraudulent and must be removed from my credit report immediately : ACCOUNT NAME XXXX  XXXX OPEN DATE XX/XX/XXXX ACCOUNT NAME XXXX  XXXX OPEN DATE XX/XX/XXXX ACCOUNT NAME XXXX XXXX OPEN DATE XX/XX/XXXX ACCOUNT NAME XXXX OPEN DATE XX/XX/XXXX I am formally requesting that these accounts be removed from my report within 7 days of receipt of this letter, due to the serious and damaging impact they are having on my credit standing and personal security. I have enclosed copies of the following documents to support my claim : A copy of my government-issued identification Proof of my current address A copy of the police report and/or identity theft affidavit Any relevant documentation proving the accounts are fraudulent Please confirm in writing that these accounts have been deleted from my file. If I do not receive a response within 7 days, I will escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. Thank you for your prompt attention to this urgent matter. ) Thank you. 
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 2025-07-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The following accounts were disputed with all credit bureaus. One bureau found them to be inaccurate and removed them. The others either failed to respond appropriately or returned generic, unverifiable responses. This results in inconsistent credit reporting and demonstrates non-compliance with FCRA obligations to correct or remove unverifiable data.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

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 2025-07-30 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: VA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. ''

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 2025-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I opened a bank account with citi bank and deposited {$1800.00} on XX/XX/year>. They sent me a bank card and that was received on XX/XX/year>. The card would not activate and when I tried to activate it they locked me out of my account and I havent been able to get into it or get any information on why this is happening. 
They have since locked me out of my account and the debit card they sent me does not work and they wont release my funds to me or give me any information on my account. I wish I would have read the reviews on this bank because not XXXX review is positive and this seems to be an ongoing issue with them and I have no access to any of my money that I deposited into this account. I dont know what to do. Please help. 
Thank you

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 2025-07-30 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PINNACLE RECOVERY, INC.
State: NY

Complaint narrative:
XX/XX/year> Hello there. I want to file a complaint against XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. We have been XXXX XXXX for over 35+ years and pay annual assessment fees due in XXXX of each calendar year. For some reason, we did not receive an invoice for the XXXX year. XXXX never sent a reminder notice for the payment owed. Instead, they sent us to collections. The annual XXXX invoice is {$970.00}, and Piccacle Recovery is charging us a {$350.00} fee. So, the total owed is {$1300.00}. I am outraged that XXXX was unwilling to take our past history into account and make a 1 x exception before referring our file to collections. 
I contacted XXXX and spoke to a representative. She was not interested in working with us. The representative stated that after 90 days of overdue payments, our file is sent to Pinnacle for collections. I asked her if there was a way to receive electronic notifications, and she stated that they do not have that capability and that all notices are sent USPS. I also noted that we did not receive a reminder notice .. She stated that we should know that payments are due every XXXX and that they have over XXXX owners and they do not contact owners personally regarding overdue payments and noted that there was nothing she could do and basically " too bad ''.. I was furious that this is how they treat XXXX owners.... I contacted Pinnacle to see if they could offer any assistance. How are they allowed to charge about a 40 % fee???? There was no language on how fees are calculated. I never received the annual invoice from XXXX, and they should not solely rely on USPS to deliver notifications to owners. I do not feel that there was a need to send an owner of 35+ years to collections and want to dispute the collection fee..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief