vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: TX

Complaint narrative:
I have pending legal action in XXXX XXXX against the company due to the false charges they advise me to dispute the charge I attempted to dispute the charge and they refuse to take the dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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:
I am challenging the accuracy of specific accounts reflected in my credit history that I did not authorize. I respectfully ask for a complete investigation and deletion of these entries. Documentation is enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX,, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and 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 2025-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: OK

Complaint narrative:
I made a large crypto purchase on Robinhood. A bit less than XXXX. After waiting for money to move through banks, then waiting for it to hit the exchange which took almost XXXX weeks as it is, I made the purchase immediately. It's very stressful when markets are moving up and down and you are waiting on money to move, so time is extremely important. I came home to transfer the crypto to my cold wallet and was immediately notified that robinhood has restricted my account. It's worth noting that I did this exact same thing a month prior with no issue. So when they restrict your account, they give you no access no contact or information. So you have to wait. Extremely stressful when timing is everything. After 5 days I just received word that they have lifted the restrictions, but they are keeping a permanent restriction on crypto transfers. Well that is the only thing I need to do. Their claim is that " I have fell victim to scam ''. that is what they repeat over and over with no explanation, even though I have verified my credentials and my transaction history in Robinhood is very clear. I made the deposits and purchases, and simply need to move my crypto ASAP. They are holding me XXXX and I cant afford to have my money held there this long. I simply need may XXXX transfer restriction lifted ASAP. I need that crypto on my wallet immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX was taken out in XXXX  that I was not aware of. I was XXXX  XXXX  at the time

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 2025-09-23 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: CA

Complaint narrative:
A letter was sent to all credit bureaus highlighting the specific accounts that either have material inaccuracies, outdated entries, unauthorized data, and unverifiable information. Attached with this letter for correction was my most recent credit report from all three of the CB 's which highlighted the grave discrepancies across all of my reports in addition to documentation proving ( which i do not need to do, they need to prove and provide the information ) why the information is inaccurate. the 30 days has elapsed and they are continuing to cause injury to my credit by allowing false information to be on there.

In addition, there are addresses that do not belong to me which are still on there, they have no proof of them yet they sit on my credit as an identifier to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-23 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: AZ

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-09-23 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:
Received a personal check from my customer in the amount of {$22000.00}, check drawn on XXXX personal checking account. Deposited check into my business checking account. Wells Fargo returned the check even though the funds were available and XXXX confirmed the funds were removed from the customers account. Wells Fargo advised the check was returned unpaid and nothing they could do. As a result a replacement check was issued from the customers same account on XX/XX/year>. The check was endorsed and deposited with a teller in person at the Wells Fargo XXXX, XXXX branch on XX/XX/year>. The Wells Fargo teller advised the funds would be available at midnight and printed a receipt showing the funds would be available on XX/XX/year>. 

On XX/XX/year>, I accessed my account to find a hold had been put on the check and the {$22000.00} was removed from my account. I called Wells Fargo and they advised that because of suspected fraudulent activity on the customer 's account they had put a hold on the funds until XX/XX/XXXX. The excuse of suspected fraudulent activity on the customers account is unjustified and unfounded. I notified my customer and he advised his account showed the funds in the amount of {$22000.00} had been withdrawn from his account. Sent me a screen shot of the transaction and called XXXX and verified the funds had been transferred. I called Wells Fargo again. XXXX representative actually refused to provide information I requested and I had him transfer me to supervisor. The supervisor advised that I could personally go in the branch and they would call XXXX and verify the funds and remove the hold. 

I visited the Wells Fargo branch in person on XX/XX/year>. I explained the situation and advised a supervisor had instructed me to come to the bank and request they call XXXX to verify the funds and once they did that they could release the hold on the funds. I provided them with a screen shot of the customers account showing the amount withdrawn from their account on XX/XX/year>, as well as a copy of the endorsed check. The Wells Fargo representative made a phone call to someone and then had her supervisor access the account. He advised he could not release the hold and would try again the following day. The hold has still not been released. XXXX has confirmed the funds are available and removed from their account. Wells Fargo will not release the funds to 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 explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I opened a dispute XX/XX/year> for XXXX as the merchant had sent me the wrong size and damaged shoes, which I have pictures of. I had tried to get a return and my money back from the merchant but they were mostly unresponsive and had offered a partial credit back as a gift card to purchase more shoes. I didnt want more shoes or to keep the damaged and wrong size shoes. At no time did Citi reach out to get these pictures or email correspondence. On XX/XX/year> I was determined responsible because the merchant lied and said the wrong shoes were sent back. Nothing had been sent back because they refused return and I have not been in contact with them since XX/XX/XXXX. 

I called XX/XX/year> to ask why this was the decision and I appealed. I was told to send evidence through their email. I provided pdfs of the photos, and emails on XX/XX/XXXX, a confirmation email was sent. On XX/XX/year> I was informed that since I didnt send evidence I would need to talk with the merchant or send evidence but no information was provided to resend evidence. I called XX/XX/year> to ask why my pdfs did not count and was told there was a misunderstanding that Citi thought the merchant offered to credit my card. I was told they would open an appeal. 

On XX/XX/year> a rude letter was sent saying that because I didnt send information the case was closed. I called once more to understand why no one was looking at the evidence provided. On XX/XX/year> another letter came stating the case was closed and to work with the merchant. I called XX/XX/year> to ask once more about the case and was told they would ask to have the case reopened. I didnt hear anything and called again XX/XX/year> and was told I needed to wait to see if they would reopen and there was nothing I could.

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 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Claim Number # XXXX, Dispute claim amount {$260.00}, I spoke with wells fargo team member & they are not taking any action on my dispute claim. I have shared all the relevant & supporting documents that confirmed that XXXX  is a covered service & the merchant has to submitted the correct billing codes, howveer currently the mercahnt is submitting the incorrect biling codes & have charged my credit card in an unauthorized way, both XXXX & XXXX XXXX  requested XXXX XXXX XXXX about it & wells fargo team is insisting that to show a statemnet where XXXX has already paid the amount, so I asked them that if that was case then we would not need to have dispute or request wells Fargo, I amnot getting any support from wells fargo XXXX & even on Multiple requests they are not moving my duispute 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 2025-09-23 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: AZ

Complaint narrative:
Dear TransUnion, I am writing to formally dispute inaccurate information that appears on my credit file with your bureau. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and 15 U.S.C. 1605 ( a ) regarding finance charges.

On my credit report, the account listed below is being reported with late payments. However, under 15 U.S.C. 1605 ( a ), if a finance charge was included in the sum of all payments for this account, there should not be any late payments reported. 
Account in Question : Creditor Name : XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX Reported Late Payments : XX/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 non-monetary relief
Consumer complaint received 2025-09-23 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIEXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2025 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and 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 2025-09-23 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: SC

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-09-23 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: SC

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX XXXX ( Civil Division ) -VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court ( XXXX XXXX Courthouse ( Civil Division ) ) that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-09-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The consumer reporting agency has violated FCRA 1681b by reporting information on my credit file without a permissible purpose or my consent. I did not authorize these entries. The continued presence of this information is an unlawful act that has compromised the integrity of my credit file and caused me financial and emotional distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Account ending in XXXX Capital Ones response does not resolve the issues I raised and confirms continuing violations of federal law. Capital One securitizes credit card receivables into asset-backed trusts. Once receivables are transferred into a trust, Capital One is no longer the owner of the account and acts only as a servicer. Reporting the account as if they remain creditor misrepresents ownership and violates the Fair Credit Reporting Act, 15 U.S.C. 1681e ( b ). If the account was later sold or transferred out of a securitization pool, Capital One must produce the complete chain of assignments from origin to current holder. Under UCC 9-203, a party must have rights in the collateral and an authenticated security agreement to enforce it. Without assignment documents, the tradeline is unverifiable and misleading. 

Capital One also admits the account was charged off on XX/XX/year>, yet continues to allow the account to report a past due balance. A charged-off account can not simultaneously be reported as past due. Furnishing both statuses is materially inaccurate and violates the duties imposed on furnishers under FCRA 1681e ( b ) and 1681s-2 ( b ). 

Most importantly, Capital One has not provided the documentation I specifically requested. They failed to produce proof of ownership, chain of title, or assignment records. Without this information, the tradeline can not be verified as accurate. Continuing to report without providing this documentation is a willful violation of the FCRA. 
I am preserving this record to show that Capital One had notice of the dispute and failed to correct inaccurate, incomplete, and misleading information. This establishes evidence of willful and negligent violations under 15 U.S.C. 1681e ( b ), 1681s-2 ( b ), and 1681i ( c ), as well as UCC 9-203 .

Company response to consumer: Closed with explanation