vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/XXXX, I signed up for a promotional offer with Wells Fargo that advertised no interest on balance transfers. I transferred {$15000.00} to my account under this promotion, which included a 5 % transfer fee totaling {$780.00}. My intent was to pay down my credit card balance while avoiding additional interest charges. 
After the transfer, I continued making purchases on the card with the goal of paying those off promptly to avoid interest. I consistently made payments well above the minimum due, including : XX/XX/XXXXXXXX XXXX {$1000.00} XX/XX/XXXX : {$2500.00} XX/XX/XXXX : {$2500.00} XX/XX/XXXX : {$2500.00} Despite these payments, I was repeatedly charged interest on my account : XX/XX/XXXX : {$57.00} XX/XX/XXXX : {$120.00} XX/XX/XXXXXXXX XXXX {$100.00} I contacted Wells Fargo customer service multiple times. Representatives explained that after meeting the minimum payment, additional payments would apply to the highest APR balance ( my purchases ), which I was doing. One representative acknowledged the issue and attempted to waive the interest charges, but the system only allowed a {$50.00} credit on XX/XX/XXXX. 
Each time I called, no one could clearly explain why interest continued to accrue despite my payments. Eventually, I was told my purchase balance was over {$5000.00} and that this was used to calculate interesteven though my payments should have eliminated that balance. Managers were unable to resolve the issue and advised me to file a complaint. 
I filed a complaint and was contacted by someone from the corporate office, who stated they had 10 days to respond. That deadline passed over a week ago, and I have received no follow-up. I have left messages with the corporate office, but no one has returned my calls.

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 2025-10-26 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, a total of {$820.00} was withdrawn from my XXXX XXXX account through unauthorized transactions.I did not make or approve these transactions i was at college when they occurred and did not have my phone with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Receivable Management Services LLC
State: NY

Complaint narrative:
I am reporting multiple inaccurate, unvalidated, and harmful accounts that are being reported to the credit bureaus without proper validation. These accounts are negatively affecting my creditworthiness and score. I requested full validation and verification from each company under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), but none have provided the required documentation. Despite this, they continue to report inaccurate and unverified information to XXXX, Equifax, and TransUnion in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ). 

The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$210.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX Balance {$520.00} XXXX. Receivable Management Services Original Creditor : Progressive Insurance Acct # XXXX Balance {$910.00} XXXX. XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance {$220.00} XXXX. XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$590.00} XXXX. XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$2300.00} XXXX. XXXX XXXX XXXX XXXX XXXX Acct # XXXX Charged-Off Balance {$31000.00} XXXX. XXXX XXXX XXXX XXXX Account Acct # XXXX Reported with dispute notation and inconsistent closure dates XXXX. XXXX XXXX XXXX Secured Loan Acct # XXXX Previously charged-off, now paid, but still reporting derogatory status These accounts remain listed as collection, charge-off, or seriously past due, despite lacking validation or verification. I am requesting that the CFPB investigate these companies, require them to produce proper validation or remove these accounts, and ensure all inaccurate data is deleted or corrected immediately from my credit reports.

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 2025-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/year>, a formal dispute was filed with TransUnion regarding the completeness and accuracy of the payment history for several accounts appearing on XXXX XXXX credit report. The dispute was submitted properly through TransUnions online dispute system under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ). TransUnion completed its investigation and reported that the information was verified as accurate. However, the information being reported remains inconsistent and inaccurate, which constitutes clear violations of the FCRA.

The first violation involves conflicting balances. The balance shown on the TransUnion investigation results is not the same as the balance listed on the updated TransUnion credit report. These two separate and conflicting balances for the same account demonstrate that TransUnion failed to ensure the maximum possible accuracy of information, which violates FCRA 607 ( b ). 

The second violation concerns the reporting of the last payment. The most recent TransUnion credit report shows that the last payment was made on XX/XX/year>, yet the payment history and investigation results both show that zero dollars were paid on that same date. This is inaccurate and misleading, as TransUnion can not simultaneously report a payment date and a zero-dollar payment. This discrepancy violates both FCRA 623 ( a ) ( 2 ) and 607 ( b ), which require consumer reporting agencies to maintain accurate and complete payment information. 

The third violation is related to the reporting of delinquency status. The investigation results show that the account is 120 days past due, but those same results also show that the last payment made was zero dollars, while the credit report states that a payment was made on XX/XX/year>. These internal inconsistencies indicate that TransUnion did not properly verify the accuracy of the information during its reinvestigation, in violation of FCRA 611 ( a ) ( 5 ).

TransUnion was obligated to either correct or delete any inaccurate information found during its reinvestigation. Under FCRA 611 ( a ) ( 5 ) ( A ), any data that can not be verified must be removed from the consumers file. Instead, TransUnion verified the tradeline as accurate despite the presence of multiple contradictions between the credit report and the investigation results. This failure to delete or correct inaccurate data is a direct violation of federal law.

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 2025-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
I continue to receive advertisements from Bank Of America by email. My email address is on the Opt Out registry. THERE IS NO UNSUBSCRIBE LINK and the email is not a result of an existing relationship. There is no link to take me to a portal in which i can request unsubscribing. I have asked to unsubscribe by replying to the email.

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 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
The Department of Education, through its servicer Nelnet, is reporting late payments and derogatory marks on my student loan accounts. These reports are inaccurate and negatively affect my credit. I have already requested that XXXX  verify and remove these inaccurate late payment records, but no corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
My name is XXXX XXXX is my phone number XXXX restricted or no?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: Paypal Holdings, Inc
State: IL

Complaint narrative:
An attempt to take funds from my paypal account was made XX/XX/year>. Three attempts were made, XXXX from my credit card and XXXX from my XXXX XXXX  checking account. Each between {$1400.00}.. I immediately called paypal and told them I did not initiate any payments. I immediately called the credit cards and they did not debit my account for the money. I immediately contacted my Bank and had them block the paypal transaction.. I have sent paypal many details of what occoured on many occassions. They say they have closed the case and can not open it back up. Please contact paypal for the details of who tried to receive my money The attempts on my credit card were refused due to fraud reported to the credit cards my me. The attempt to remove the money from my checking account was refused because i notified my bank. Paypal should conclude the attempt on my bank was the same fraud attempt on my bank. On a phone conversation with a paypal rep she said to have my bank get involved to reopen the case. Since I notified by ba nk and blocked the transaction my bank has no record they can provied for the attempt. They will not contact paypal. The bottom line is since I stopped my bank from the attempt I have no way to reslove in paypals eyes. Paypal has closed the case and will not look further.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
I applied for the Citi XXXX XXXX credit card on XX/XX/XXXX and received immediate approval. Within minutes of the approval, the new credit card was automatically linked to my existing Citi online account. I currently hold three other Citi credit cards and have been a long-time customer. 

Beginning XX/XX/XXXX, I have been unable to access my Citi online account. Each time I attempt to log in, I receive a message prompting me to verify my new credit card by entering its CVV. Since I have not yet received the physical card, I am unable to provide this information and therefore can not access my account. 

I contacted Citi Customer Service on XX/XX/XXXX for assistance. The representative informed me that, from their systems perspective, I appeared to be logged in. Despite my repeated explanations of the issue, I was advised simply to wait until the new card arrived. The call was then transferred to the XXXX department, but the XXXX representative provided no additional assistanceonly explaining what a CVV is and reiterating that I must wait for the physical card before I can regain access to my account. 

This situation has not occurred with any other financial institutions I am affiliated with. Citi has not provided a satisfactory solution or even an explanation as to why customers are completely restricted from accessing their online accountsincluding essential functions such as paying bills, checking credit limits or balances, reviewing statements, and redeeming rewardswhile awaiting a new card.

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 2025-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
MAIL WAS SENT TO A RELATIVES HOME RELATED TO A CHARGE OFF.

MAIL INFORMATION WAS APART OF THE NATIONAL US DATA BREACH.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: FL

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-10-27 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:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including Experian, TransUnion and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: PA

Complaint narrative:
I am writing to formally dispute and request the immediate removal of fraudulent accounts that have been reported on my credit report. These accounts were opened or reported as a result of identity theft, and I did not authorize or initiate them. 

ACCOUNTS XXXX XXXXXXXX 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  INQUIRIES XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), I am exercising my rights under the following provisions : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Requires consumer reporting agencies to block information resulting from identity theft within 4 business days of receiving appropriate proof of identity, a copy of a police report or FTC Identity Theft Affidavit, and a written request. 
FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) : Entitles me to dispute and receive notification regarding negative information resulting from identity theft.

FCRA 623 ( a ) ( 6 ) ( 15 U.S.C. 1681s-2 ( a ) ( 6 ) ) : Prohibits data furnishers from reporting information they know is the result of identity theft.

In accordance with these legal protections, I demand that the following fraudulent accounts be permanently removed and blocked from all of my credit reports within the 4-business-day period as required by law. Furthermore, I request that all collection activity related to these accounts be immediately ceased. 

Please consider this a formal dispute and request for action under federal law. I expect a written confirmation of the removal and blocking of these items.

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 2025-10-26 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: GA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Cease and Desist Letter Violation of 15 U.S. Code 1692c XXXX XXXX This letter serves as a formal demand that you immediately cease and desist all communications with me regarding any alleged debt, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692c.

Under this statute, debt collectors are prohibited from contacting consumers at unusual or inconvenient times or places, or after being notified in writing that the consumer refuses to pay the debt or wishes no further communication. I am asserting my right to be free from further contact, including but not limited to : Phone calls to my home, workplace, or mobile device Emails, text messages, or written correspondence Contact with third parties regarding this matter Any further attempt to communicate with meoutside of the narrow exceptions allowed by lawwill be considered a willful violation of federal statute and may result in legal action, including claims for statutory damages, attorneys fees, and injunctive relief. 

Please confirm in writing that you have received this notice and that all communications will cease immediately. Failure to comply will leave me no choice but to pursue all available remedies under the law. 

Sincerely, XXXX XXXX this company sued me and seized my funds in my bank account in the amount of {$4500.00} dollars i cant access my bank account due to a legal hold that i was never aware of nor was i given proper documentation, this is illegal and i don't owe any monies to this company nor have i ever consented with this company in any contractual agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :

Company response to consumer: Closed with non-monetary relief