vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-07 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: NC

Complaint narrative:
I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, Experian, and Equifax.

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 2025-12-07 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: NC

Complaint narrative:
I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, Experian, and Equifax.

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 2025-12-07 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: NC

Complaint narrative:
I contacted the bank after finding a bank statement sent to my home and they said that somebody tried to open an account online. They allowed the person to open the account under my name without verification that it was me and then they said that the account was closed and now Im still getting bank statements that the account is still open. I have not received any information or confirmation that they are going to block any accounts being opened in my name and I would like to know why theyre allowing someone to continue to open checking accounts in my name.

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 2025-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shepherd Outsourcing, LLC
State: VA

Complaint narrative:
XXXX XXXX  Reference # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NV XXXX XXXX XXXX Reference # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Dear Sir, YOU HAVE VIOLATED VIRGINIA LAWS AND FEDERAL LAWS AGINST ME. 
15 USC 1692f. Unfair practices : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 
AND 15 USC 1692e. False or misleading representations : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of- ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 

I have no knowledge of This account I never used cards or accounts. 
I never signed agreement to interest rates. 
The accounts belong to another person and not me. 

LISTED BELOW ARE THE ACCOUNT THAT DO NOT BELONG TO ME. 
Account XXXX : XXXX XXXX Debt Description : XXXXXXXX XXXX Original Creditor 's Account # : XXXX XXXX XXXX XXXX Balance Due : {$620.00} 1. Lack of enforceable agreement. You Failed to Prove the Original contract, Terms and Conditions or Proof of Purchases. The original document was not produced. I deny that there existed an agreement between the parties. 
Virginia Court Rules : Rule 7B:5. Production of Written Agreement. When a suit is brought on a written contract, note or other instrument, the original document must be tendered to the court for entry of judgment thereon unless the production of the original is excused by the court for good cause or by statute. 
Rule 2:1002 REQUIREMENT OF PRODUCTION OF ORIGINAL To prove the content of writing, the original writing is required, except as otherwise provided in these Rules, other Rules of the Supreme Court of Virginia, or in a Virginia statute. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX VA I am filing suit in United States XXXX XXXX for the XXXX XXXX of Virginia against you. IF THE ABOVE ACCOUNTS ARE NOT REMOVED FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Rocket Mortgage, LLC
State: SC

Complaint narrative:
I was Im process of refinancing with rocket mortgage and the deal didnt fall through and it was because the company decided not to move forward with loan and I was promised my good faith deposit back but never received it. I have been waiting since XXXX and tried reaching out to company but kept getting the run around. {$250.00} good faith deposit. 

Research >>Yes, you may be able to get your good faith ( earnest money ) deposit back from a home purchase if you back out for a reason explicitly covered by a contingency in your purchase agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit

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 2025-12-07 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: TX

Complaint narrative:
On XXXX XX/XX/year>, my credit card was charged by XXXX rental without my authorization. I was provided a rental car by XXXX XXXX for warranty work on my car. They paid the bill but the XXXX charged my credit car because it was on file for a previous rental. XXXX acknowledged their error but has not refunded the charge. XXXX XXXX confirmed via e-mail that they paid the rental bill. I disputed the charge with Citibank because XXXX has not been provided a refund after numerous requests for a refund. I provide the e-mail to Citibank that shows XXXX XXXX paid the bill and I also sent a copy of the Rental Agreement between XXXX XXXX and XXXX XXXX which show the XXXX XXXX account information for the rental reservation. Unfortunately, it doesn't appear that Citibank read the information provided because they somehow determined I was responsible for paying the bill although the e-mail clearly states the bill was already paid by 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 2025-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
I had XXXX  insurance before switching to XXXX in late 2024. I paid my balance with XXXX prior to switching to XXXX. This account appeared in collections probably about XXXX months later. I have a previous dispute which was successful and this account was deleted from my credit. 1. The amount they are attempting to charge is incorrect in relation to what the monthly bill/last bill was. 2. Caine & Weiner is unlicensed in the state of Illinois to collect debt. 3. The amount owed to XXXX  was paid directly to XXXX months before contact from Caine & weiner. I originally requested chain of custody, copy of license, validation letter, signed purchase agreement and any other necessary paperwork to indicate the account was actually mine they were trying to collect on -to which they failed to prove any supporting documentation. I later sent a cease and desist letter stating not to contact me further. To which they failed and emailed me a limited time offer email.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: LA

Complaint narrative:
Early warning services is being used to alert banks in advance to no allow you access to opening an account even you have done anything wrong theyve been causing me not to open an account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: NY

Complaint narrative:
i sent a debt validation letter and disputed it with the credit bureau they sent a copy of a bill and that was it i also asked for the signed agreement with my wet signature validating the debt which was not received this was disputed on XX/XX/year> and denied XX/XX/year> Please provide the following : XXXX. A copy of the original contract bearing my wet signature. 
XXXX. Full itemized billing and transaction history. 
XXXX. Proof of legal assignment or ownership ( chain of title ). 
XXXX. Proof you have the legal right to collect in my state. 
XXXX. Verification of all amounts, fees, or interest added.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I pulled my credit report and seen this collection disputed the information and it came back debt verified. I then ask how did they verify the accuracy on the account and debt they claim I owed and if they have the right to collect on his debt. I never received a response in writing of any kind.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: CA

Complaint narrative:
Since this account was sold, I am requesting the following documentation as required for proper validation : 1. Proof that you have legal ownership of the debt, including purchase agreement, assignment paperwork, or chain of title. 2. A complete itemized accounting of the amount you claim I owe. 3. A copy of the original contract, agreement, or application bearing my signature. 4. The full payment history from the original creditor through any previous collectors. 5. The name, address, and contact information of the original creditor. 6. Verification that the debt is within the applicable statute of limitations for legal collection in my state. Until this information is provided, this debt remains unvalidated, and you are required to cease all collection activity, including reporting or pursuing payment. If you can not validate the debt, you must : Remove any negative reporting from my credit files

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: AZ

Complaint narrative:
I do not recognize this address, and I am requesting it be removed immediately. XXXX/Experian are reporting multiple inaccurate addresses and phone numbers on my file, including XXXX XXXX XXXX XXXX AZ XXXX and XXXX, which do not belong to me and were added as a result of identity theft. I already submitted an FTC Identity Theft Report ( Report # XXXX ), confirming I am a victim and that fraudulent personal information was placed on my credit reports. Under FCRA 603 ( q ) and 605B, this inaccurate and identity-theftrelated information must be blocked and removed because I did not authorize, supply, or recognize these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: TX

Complaint narrative:
I am filing a formal complaint regarding an inaccurately reported XXXX on my consumer credit profile. TransUnion, Experian, and/or Equifax continue to report a XXXX  that they claim was verified, however I have obtained an official letter from the XXXX XXXX XXXX confirming that they do not furnish or verify consumer reporting information with credit bureaus. This means the XXXX  could not have been verified through the court, and therefore the bureaus must have relied on a third-party source, which is unlawful under the Fair Credit Reporting Act. 

Because the alleged reporting source has confirmed they are not the furnisher and did not verify this information, the bankruptcy is unverified, inaccurate, and unlawfully reported under the FCRA. 

This reporting violates the following sections of the FCRA : FCRA 1681e ( b ) failure to maintain reasonable procedures to ensure maximum accuracy FCRA 1681i ( a ) ( 1 ) ( A ) failure to conduct proper reinvestigation of disputed information FCRA 1681i ( a ) ( 2 ) ( A ) failure to verify information with the actual furnisher FCRA 1681i ( a ) ( 5 ) ( A ) continued reporting of information that can not be verified I am requesting immediate removal of this XXXX  from all reporting credit bureaus, as it is neither verified nor lawfully validated. I have attached a copy of the certified letter from the XXXX XXXX confirming that they did not and do not verify this information. 

Remedy Requested : Immediate deletion of the XXXX  from all credit reports Written confirmation of removal Correction and enforcement of FCRA compliance

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 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a formal complaint regarding an inaccurately reported XXXX on my consumer credit profile. TransUnion, Experian, and/or Equifax continue to report a XXXX  that they claim was verified, however I have obtained an official letter from the XXXX XXXX XXXX confirming that they do not furnish or verify consumer reporting information with credit bureaus. This means the XXXX  could not have been verified through the court, and therefore the bureaus must have relied on a third-party source, which is unlawful under the Fair Credit Reporting Act. 

Because the alleged reporting source has confirmed they are not the furnisher and did not verify this information, the bankruptcy is unverified, inaccurate, and unlawfully reported under the FCRA. 

This reporting violates the following sections of the FCRA : FCRA 1681e ( b ) failure to maintain reasonable procedures to ensure maximum accuracy FCRA 1681i ( a ) ( 1 ) ( A ) failure to conduct proper reinvestigation of disputed information FCRA 1681i ( a ) ( 2 ) ( A ) failure to verify information with the actual furnisher FCRA 1681i ( a ) ( 5 ) ( A ) continued reporting of information that can not be verified I am requesting immediate removal of this XXXX  from all reporting credit bureaus, as it is neither verified nor lawfully validated. I have attached a copy of the certified letter from the XXXX XXXX confirming that they did not and do not verify this information. 

Remedy Requested : Immediate deletion of the XXXX  from all credit reports Written confirmation of removal Correction and enforcement of FCRA compliance

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 2025-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I have a dispute with American Express over late interest charges and late fees on my credit card! I had a balance of {$10000.00} due XX/XX/2025. I paid {$11000.00} through wire transfer from my XXXX XXXX account on XX/XX/2025. Unfortunately, the payment was delayed because of XXXX weekend and did not arrive until XX/XX/2025. American Express charged me late fee of {$40.00} and interest of {$240.00} which totals {$280.00} even though I called on XX/XX/XXXX and explained the situation. In that telephone call, they said they will remove the late and told me to call once the interest was applied and they would remove it which I called on XX/XX/XXXX. I explained to their customer service the situation with no results after I saw my bill and I talked XXXX people to correct it. They said it was out of their hands since it was triggered by computers! I know that is a lie since they have corrected billing mistakes before. I am not wealthy and to be charge an additional {$280.00} XXXX weeks before XXXX even through I wired the money before the due date over a XXXX is unfair and not right! I want American Express to credit my account {$280.00} to make this right! Thank You your consideration!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NY

Complaint narrative:
I only received XXXX $ dollars out of my XXXX $ dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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:
I am writing to formally dispute XXXX  credit inquiries that appear on my credit report. The inquiries dated XX/XX/year> were not authorized by me, and I did not grant permissionor any related partyto pull my credit on these dates. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate removal of these unauthorized inquiries from my credit file, as they are inaccurate and were not initiated or approved by me. Please conduct an investigation and provide written confirmation upon completion. 

Items to be 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 2025-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I previously filed a report with CFPB regarding fraudulent charges. 

COMPLAINT ID XXXX Wells Fargo has repeatedly provided the same response, stating that I am responsible, without disclosing any details of their investigation. 

I requested a full investigation report including : all investigation methods, evidence reviewed, verification procedures, decision-making criteria, and the specific reasons why responsibility was assigned to me. 

Wells Fargo has not provided this information. 

In addition, my credit score has now been damaged, and I am suffering financial and personal consequences as a result. 

I am requesting CFPB to require Wells Fargo to : XXXX. Provide a detailed investigation report, including all supporting evidence. 
XXXX. Explain what specific procedures were used to determine responsibility. 
XXXX. Respond in a timely manner and resolve this ongoing issue. 

This matter has been ongoing for a long time and the same answers are being repeated without meaningful investigation or resolution. 
I need a prompt and thorough review. 


If necessary, I am prepared to escalate this matter further, as Wells Fargo has failed to provide transparency or adequate investigation.

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