vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. Enclosed are the supporting documents for my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-11-03 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 implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A.
State: IN

Complaint narrative:
In early XX/XX/year>, I received an email from PNC Bank stating that a XXXX XXXX monthly service charge would be applied to my XXXX XXXX account unless I maintained {$500.00} in qualifying direct deposits or a {$500.00} combined balance between my XXXX XXXX XXXX  accounts. However, my account had been frozen or restricted due to a prior breach-related issue, which prevented me from meeting those conditions. 
I previously filed a separate complaint with the CFPB regarding a {$2000.00} loss tied to that breach. I believe the monthly service charge is being unfairly applied while my account access is limited and the breach claim remains unresolved. 
I requested clarification from PNC about the timing and conditions of the fee, including whether it could be waived due to the account freeze. I have not received a satisfactory response. 
I am seeking : A refund of any monthly service charges assessed during the restricted period A refund of the {$2000.00} lost due to the breach A review of PNCs fee practices under these circumstances

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-04 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, Wells Fargo alerted me about a purchase that was attempted multiple times at an XXXX. It flagged it as fraudulent right away and asked me to flag any other purchases I didn't recognize. I flagged XXXX purchases, XXXX for a XXXX store in the cost of {$49.00} and XXXX for a XXXX 's XXXX for {$80.00}. I realized that someone had stolen my new card that was in transit and must have activated it in order to make these purchases. I noticed that these purchases did not leave my account, however, even after given the benefit of a few days to process. I called on XX/XX/XXXX to make a claim, speaking with someone from their claim department. I explained the situation, that I had not received the new card, and that the XXXX and XXXX 's purchases were made on the same day as the XXXX purchase. They gave me a provisional return while they reviewed the claim, but on XX/XX/XXXX they sent me a letter saying my claim was denied because " there were no further card present transaction attempts after the card was closed. ". I immediately called and explained again how this doesn't make any sense, but the claims person was adamant that it was closed and no fraudulent activity was found and told me I would need to go to police or the businesses myself to solve the problem.

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 monetary relief
Consumer complaint received 2025-11-04 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: FL

Complaint narrative:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and XXXX requesting that it be resolved within XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: NV

Complaint narrative:
I am submitting this complaint regarding inaccurate information being reported on my credit report by Self Financial/Lead Bank XXXX XXXX XXXX XXXX XXXX ). The account shows late payments that are not accurate or verifiable. 

I have already submitted disputes to the credit bureaus under FCRA 611 and requested verification from the furnisher under FCRA 623 ( a ) ( 8 ). To date, no proper documentation or verification has been provided showing that the reported late payments are valid. 

This account has been in good standing and any reported delinquencies are inconsistent with my payment history. I am requesting that the Consumer Financial Protection Bureau investigate this matter and ensure the inaccurate late payments are deleted or corrected in compliance with the Fair Credit Reporting Act ( 15 USC 1681i and 1681s-2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: PA

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 explanation
Consumer complaint received 2025-11-04 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: PA

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 2025-11-03 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: NJ

Complaint narrative:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern. I require immediate clarification on why these accounts are appearing and who is responsible for reporting 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 non-monetary relief
Consumer complaint received 2025-11-04 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: ID

Complaint narrative:
I have been needing to change my last name for quite some time. I am almost completely deaf. I can not adequately understand phone calls. I have tried everything I can think of the text chat with a representative and have gotten nowhere. I finally called at roughly XXXX tonight and attempted to speak with customer service. It was extremely difficult to understand her and to top it off, she had a thick accent ( which is even harder to understand with my impairment ). I think I got the name change taken care, but I tend to fake it through conversations when I get frustrated, so hopefully its all correct. I think it is absurd for a company as huge as Capital One to not follow ADA regulations and be accessible for everyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There is an unauthorized inquiry on my credit report that I have disputed multiple times, this will now be the sixth time I am raising this issue, yet it still hasnt been resolved. I never applied for credit with this company nor gave consent for them to access my information. Its extremely frustrating and stressful to keep seeing this inquiry remain despite my repeated disputes, and Im anxious about why this continues to happen without proper action being taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Date : XX/XX/year> Re : Personal Information Dispute & Deletion of Personal Statement Full Name : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX, PA XXXX To Whom It May Concern, I am disputing inaccurate personal information on my Experian credit report under the Fair Credit Reporting Act ( FCRA ). 

XXXX. Correct Address My only correct address is : XXXX XXXX XXXX XXXX XXXX, PA XXXX Please remove the following addresses, which do not belong to me : XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX. Correct Name My one and only legal name is : XXXX XXXX XXXX. 
Please delete any other names, aliases, or variations being reported. 

3. Personal Statement Please delete the personal statement currently appearing on my credit file. I no longer authorize Experian to display it.

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 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Paid {$1500.00} on my credit card with Wells Fargo on XX/XX/year> for account due on XXXX. The next day my account did not show that I had more money available to charge. Called and was given a supervisor who said a hold was placed on my payment for XXXX days by a computer. She said she would submit a request to call me on XXXX to get this fixed. I was never called. I called on XXXX to ask why I did not receive a call and talked to another supervisor and was told that no one called me and that the request to end the hold was denied by the computer. When I asked why, I was told that she did not know but the hold would last the full XXXX days. When I stated that I paid {$1500.00} and it should be reflected in my borrowing power, I was told there was nothing I could do, nothing she could do, and nothing anyone else could do because the computer put the hold on. Every other time I have paid on my account that payment amount was reflected on my borrowing power the next day but when I paid {$1500.00} all of a sudden no change in my borrowing power is given and instead a XXXX day hold.

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 2025-11-04 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: NV

Complaint narrative:
Company didnt provide 1099c, which XXXX me to right off as income as I requested. Per 15 usc 1681i, I asked the to provide documentation to prove ownership, which wasn't provided. According to 15 usc 1692g i have the right to request proof that this debt is real and that I own this debt. This is a formal request for validation of debt pursuant to 15 U.S.C. 1692g. Please provide proof that I am legally obligated to pay this alleged debt, including the name of the original creditor, itemized accounting, and verification of your right to collect. Which ive already requested and hasn't been done. Im asking that these accounts stop being reported on my credit report immediately.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am disputing a collection account being reported by LVNV Funding LLC for a balance of {$5400.00}, originally from XXXX XXXX. The account was placed in collections around XX/XX/XXXX. I disputed the accuracy of this account multiple times, most recently in XX/XX/XXXX, but LVNV and its servicer, Resurgent Capital Services, have failed to provide full validation of the debt. 

Despite my written disputes, they continue to report this account as an active collection without supplying documentation such as the original signed agreement, payment history, or proof of ownership. This is misleading and violates the Fair Debt Collection Practices Act ( FDCPA 809 ) and Fair Credit Reporting Act ( FCRA 611 ). 

I am requesting that LVNV Funding LLC provide full validation of this account or instruct the credit bureaus to delete the tradeline immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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 have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it 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 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: KS

Complaint narrative:
On XX/XX/year>, Current ( Finco Services ) notified me that my account was permanently closed and that all future deposits would be automatically rejected. However, on XX/XX/year>, a {$6200.00} XXXX XXXX XXXX disaster-assistance deposit was accepted and posted to my account after current said all deposits would be rejected and sent back. 

Current partners with XXXX XXXX XXXX, Member FDIC, so the deposit was received under XXXX  FDIC charter. Under the Electronic Fund Transfer Act, Regulation E, and the Stafford Act, FEMA funds can not be frozen, seized, withheld, or redirected. I have repeatedly contacted Currents support, disputes, and legal teams requesting release of the funds or a trace of their custody, but only receive replies that dont address the matter all other than Your account is under review with no explanation of how long it will be or how to get the funds back. Ive had this account for over a year and have gotten FEMA deposits throughout the year. 

These funds are federally protected and urgently needed for housing ; continued delay places me at risk of eviction. I request investigation and immediate release or proper return of the FEMA deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. 

Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-11-04 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: IN

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 non-monetary relief
Consumer complaint received 2025-11-04 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: IL

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 explanation