vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 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 a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : UNAUTHORIZED INQUIRIES : 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 2025-09-17 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: VA

Complaint narrative:
Fraudulent accounts thats are on my credit report thay have been reported time and time again police report had been reported and the credit reporting agency had done nothing about it at all they have 7 business days to fix this or legal.action Will follow

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 2025-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I deposited a XXXX dollar check on XX/XX/XXXX through the Atm so they put a 10 day hold on it. when I asked why, they told me because of unusual activity. I was then told to have the person who wrote the check along with his bank to verify. The person who wrote the check went to his bank and verified that he did write the check to me. his bank then took the funds out of his account and send it to my bank. when I went to my bank to see if the funds were there the next day nothing. so I went back to my bank to find out why they told me again that his bank hasn't sent it. I showed proof that it had been sent. then I couldn't get a straight answer. I then took the person who wrote the check to my bank and sat down with the banker. he showed as well as verified he wrote me the check. they again said his bank didn't release the funds but they did. we tried canceling the check and he was going to pay a different way but his bank said they already released the funds an can not cancel it. so in short his bank shows the funds were givin to Wells Fargo and Wells Fargo says they haven't received the funds but it will clear on XX/XX/XXXX. I can't wait that long, im running a business and im overdrawn. both parties in the situation verified the transaction but the bank won't release them.

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 2025-09-17 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: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal 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 non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SOP Pioneer Partners LP
State: DC

Complaint narrative:
I sent an email request to lower the interest rate on my loan under the protection of the Ohio SCRA law. I sent in copies of my orders and leave and earnings statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: TX

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 2025-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX a charge for XXXX {$20.00} {$15.00} {$15.00} , 5 charges for XXXXXXXX XXXX  and XXXX XXXX from XXXX XXXX I would like the charges to be disputed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I opened up a saveings account and was lied to by everyone I talked to so I tried there ways to take out the money In my account do you capital one dose not provided a card for SAVEINGS ACCOUNT so I linked revauolt account to my account and transferred money out then they locked my account up saying I was high risk for the bank and closed my account and now they are in investigating not my money nor my transaction but my profile witch I have no clue y I just want my money sent to me the capital one bank and it's employees are a joke and wish I never got an account threw capital one

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XX/XX/year>, I financed a 2020 XXXX XXXX through Regional Acceptance Corporation ( RAC ). The original loan amount was approximately {$32000.00}. I was also sold additional products including GAP insurance and a Security Plus package. I later learned that I could not use these products due to new ownership changes, yet I continued to be charged for them with interest at a rate of about 16 %. 

Over nearly 5 years, I have made consistent monthly payments of around {$720.00}, totaling more than {$43000.00}. Despite this, RAC continues to report that I still owe over {$32000.00} on the loan. With fees and add-ons, the total loan cost is now over {$51000.00}. My principal balance has not meaningfully gone down, which is deceptive and unlawful. 

I requested multiple times that RAC provide : My original retail installment sales contract ( which does not clearly show XXXX as the lender ), Proof of transfer/assignment of my loan, A full accounting/ledger of payments applied to principal, interest, and add-ons, Removal of the GAP and Security Plus products I can not use, and A corrected balance. 

RAC has denied these requests, including on recorded phone calls. They continue to update the credit bureaus with inflated balances and inaccurate reporting of late payments. 

This conduct violates the Fair Credit Reporting Act ( FCRA 623 ), the California Consumer Credit Reporting Agencies Act ( CCCRAA 1785.25 ), and Californias predatory lending protections under the California Financing Law. Even if my contract included language limiting lawsuits, consumer protection laws in California prohibit predatory loan practices and can not be waived. 

As of today, I have paid {$43000.00} on this loan, yet my reported balance remains over {$32000.00}. This is unfair, deceptive, and harmful to me financially and emotionally.

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 2025-09-17 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:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

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 2025-09-17 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:
I am submitting to formally dispute several inaccuracies related to billing errors on my credit report. Upon reviewing my report, I noticed information that does not accurately reflect my payment history. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1666, which provides consumers the right to dispute and correct billing errors, and I request a thorough reinvestigation of the following accounts. 

XXXX XXXX XXXX XXXX Balance {$20000.00} 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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
On XX/XX/year>XXXX  out of state Attorney, XXXX XXXX sent me a letter forcing me to sign a contract she isn't approved to offer me. She ends the letter by threatening that Wells fargo will proceed with the forclosure ( I was never served a summons or complaint for ) if I don't return the agreement to her within 21 days ( which had passed already by the time I got it at my correct address ).

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 2025-09-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Per XXXX XXXX  online public records Wells fargo retained an out of state attorney on XX/XX/year> who appeared via video on XX/XX/year>XXXX   without XXXX XXXX XXXX XXXX The appearence of Attorney XXXX XXXX of XXXX XXXX ( a MInnesota law firm ), for Plantiff on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX case number XXXX disregarded Wisconsin Supreme Court rule 10.03 ( 4 ) which governs XXXX XXXX XXXX XXXX for out of state attorneys and her unauthorized appearance also violated SCR 20:5.5. 

I was also publically discriminated against by her ( with no intervention ) during that appearance.

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 2025-09-17 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: AZ

Complaint narrative:
I am disputing the reporting of a closed account that has been falsely attributed to me. This account was opened and used without my knowledge or authorization. I have never applied for, opened, or maintained any account with this creditor. Because this is the result of fraud and identity theft, the reporting of this closed account is inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). 

Under FCRA Sections 605B and 611, I am demanding the immediate deletion of this fraudulent account from my credit file. If the furnisher of this information can not provide verifiable proof of my authorization and responsibility for the account, it must be permanently removed without delay. Continuing to report false or unverifiable information is unlawful.

I expect this matter to be fully investigated and resolved promptly, with confirmation of deletion provided to me in writing.

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 2025-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX Date : XX/XX/year> Subject : Formal Dispute Unverified Collection Account Reporting ( Midland Account # XXXX ) To Whom It May Concern, I am writing to formally dispute the accuracy of the Midland Credit Management account appearing on my credit report under account number XXXX. I have requested verification of this debt, including proof of ownership and documentation from the original creditor. To date, Midland Credit Management has failed to provide such documentation. 

Under the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 3 ), data furnishers must not report information they knowor have reasonable cause to believeis inaccurate. Additionally, under FCRA 611 ( a ) and 1681i ( a ) ( 5 ) ( A ), any information that can not be verified must be deleted from my credit file. 

Because the account in question remains unverified, I respectfully request its immediate deletion from my credit reports with XXXX, XXXX, and XXXX. 

Please complete your reinvestigation within the 30-day time frame required by law and provide written confirmation of the results of your investigation. If you are unable to verify the information, it must be removed from my credit reports accordingly. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I've ask to validate the debt I even said pursuant to The Fair Debt Collection Practice Act 15 US code 1692, To Validate if can not need to be remove and deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've ask to validate the debt I even said pursuant to The Fair Debt Collection Practice Act 15 US code 1692, To Validate if can not need to be remove and deleted from my credit report

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: John C. Heath, Attorney at Law, PLLC
State: CA

Complaint narrative:
Credit report company 's took my money n I didn't even get my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
After speaking with a bank representative.And clearing up.The error they made.I later found out they still closed my account.They paid unauthorized transactions.And are now trying to claim.I did not opted out.

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 2025-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/XXXX I pulled my credit report and upon there is 2 negative debt reports from Affirm I am requesting validation of the debt you claim I owe that is being reported to the credit bureaus. and validation is requested under the Fair Debt Collection Practices Act ( FDCPA ). 

Please provide the following information : 1. Verification that I am legally obligated to pay this debt.

2. The name of the original creditor, account number, and detailed payment history.

3. Copies of any contracts or agreements bearing my signature.

4. Proof that your company has the legal right to collect this debt in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: Block, Inc.
State: MS

Complaint narrative:
My cashapp was closed for no apparent reason, when closing my account the card I had connected where closed also therefore making it unusable. When I try and add a new card to retrieve my funds cashapp tells me I can not add a new card but telling me to add a old card I recently had connected but I keep telling them it was closed with my account .and they policy clearly states that if your account get closed and your card also aren't usable you can add a new card to retrieve your funds .they give you same more automated messages

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: TX

Complaint narrative:
To my previously submitted complaint regarding inaccurate and unrecognized information on my credit report, which has yet to be addressed by the credit bureaus or the data furnishers. Specifically, I am disputing a collection account reported by XXXX XXXX XXXX ( Account # XXXX ) allegedly tied to XXXX with the original creditor listed as XXXX XXXX XXXX , showing a balance of {$660.00}. I also dispute the reporting of the following accounts and hard inquiries : XXXX  ( dated XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), and XXXX XXXX ( XX/XX/XXXX ). One entry, in particular, appeared on my XXXX XXXX report as opened on XX/XX/XXXX, with a balance of {$140.00}, which I do not recognize. To date, I have not received any written communication, validation, or supporting documentation from XXXX XXXX XXXX or any of the involved credit bureaus regarding these disputes. I never received prior notice from XXXX XXXX XXXX no letters, calls, or emails before this collection account appeared on my credit report. I have no knowledge of this debt, nor any relationship with the alleged original creditor. Despite my original complaint, there has been no evidence of a reasonable reinvestigation within the 30-day statutory timeframe, as required under FCRA 611 ( 15 U.S.C. 1681i ). Moreover, FCRA 623 ( a ) ( 2 ) requires furnishers of information to promptly correct or delete inaccurate or unverifiable data yet these accounts remain on my report, unverified and unresolved. This continued reporting, in the absence of validation or consumer notification, may also constitute negligent or willful noncompliance under FCRA 616 and 617.

Company response to consumer: Closed with explanation