vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
The creditor is reporting an account to the credit bureaus without providing proper documentation to verify the accuracy and legitimacy of the information. I formally requested validation of the account under applicable federal laws, including the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ) for accuracy of reporting, the Truth in Lending Act ( 15 U.S.C. 1666b ) for proper application of payments, and the Knowledge of the Identity of the Lender Act ( KILA ) for disclosure of creditor identity and loan ownership. To date, they have not provided the requested documentation orverification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to express my continued concern regarding the unresolved disputed accounts on my credit report. I have raised these inaccuracies multiple times and have repeatedly requested a thorough investigation, yet no resolution or corrective action has been taken. These erroneous accounts are significantly harming my credit profile and creating serious obstacles in my day-to-day life. The ongoing impact has caused considerable hardship, and I am now urgently requesting your assistance to address this matter. Please conduct a comprehensive investigation into each of the disputed accounts and take all necessary steps to correct and update my credit report without further delay. Restoring the accuracy of my credit file is critical to regaining control of my financial well-being. I respectfully urge you to prioritize this issue and take swift action. Your prompt cooperation and support would be deeply appreciated. Thank you for your attention to this matter.

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 2025-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: UT

Complaint narrative:
CFPB complaint ID : XXXX addendum - I am submitting this update because SoFi has misclassified my fraud incident as a civil dispute instead of recognizing it as social engineering fraud. 

On XX/XX/year>, I contacted SoFi within minutes of realizing I had been deceived by an impersonator who induced me to send funds via XXXX. I explicitly reported this as a fraud/scam and requested that SoFi recall the transactions.

Despite this, SoFi concluded the case as a civil dispute between myself and the merchant and denied reimbursement. That classification is inaccurate I was not engaged in a legitimate transaction with a known merchant, and this case falls under the scope of unauthorized electronic fund transfer protections. 

SoFi has also : Failed to provide any documentation or internal evidence used to reach its decision, despite having requested on multiple occasions Failed to confirm receipt or review of the screen recordings I submitted showing the scammer conversation and impersonation, and Not escalated the case to their Fraud Risk or Executive Resolutions teams despite repeated requests.

I am requesting that the CFPB ensure SoFi : 1. Reopens and reinvestigates this case as a fraud claim under Regulation E 2. Provides full documentation of its decision-making process 3. Confirms whether my submitted evidence ( including screen recordings of a text conversation I had with the buyer that was being had while on the phone with XXXX support ) was reviewed. I will attach it here on the portal as well. 

SoFis response appears inconsistent with consumer protection obligations for timely fraud reporting and proper classification of social engineering incidents. I am seeking the CFPBs assistance in ensuring SoFi properly handles this as a fraud matter and not a merchant dispute. 


Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MO

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Collection Systems, Inc. (OH)
State: DE

Complaint narrative:
American Collection Systems , Inc. has been unresponsive to my attempts to clear my debt. I have reached out via phone ( voicemail ) and email with no response. I have record of a settlement offer as well as have paid the settlement amount, but have received no confirmation that my debt has been cleared.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have been using my XXXXXXXX XXXX XXXXXXXX to pay my Wells Fargo Home mortgage for years and never had an issue. As I usually do, I had XXXX XXXX  send my mortgage payment using XXXX on XX/XX/XXXX, in the amount of {$2100.00}. I realized a few days later that Wells Fargo never gave me credit. I filed " cases '' at branches of both XXXX XXXX  and Wells Fargo on XX/XX/XXXX. After being at the XXXX XXXX  branch for over XXXX hours on XX/XX/XXXX, they provided a tracing number which I faxed to the number provided by Wells Fargo. Wells Fargo said they were investigating and as of XX/XX/XXXX, I was advised that if the mortgage wasn't paid by XX/XX/XXXX I would incur late fees and the credit bureaus would be notified. Accordingly, I paid the mortgage again in the amount of {$2100.00} from my Wells Fargo checking account as I was not willing to risk another lost payment from XXXX XXXX. Despite repeated faxes, emails, and phone calls, neither bank could advise what happened. XXXX payment has now posted to my mortgage account, but I am unsure if it was the one from XXXX or the one paid directly through Wells Fargo. Accordingly, I am still missing XXXX mortgage payment in the amount of {$2100.00} which I would like to resolve BEFORE my XX/XX/XXXX payment is due. I would like this amount to be returned to my Wells Fargo Checking Account as I will have to pay my XXXX mortgage payment in a week. Any assistance you can provide would be most helpful. Over the last week or so I have spoken with " XXXX '' and " XXXX '' at the " XXXX '' XXXX XXXX Wells Fargo and " XXXX '' at the XXXX XXXX XXXX, and XXXX, the branch manager of the XXXX XXXX NJ XXXX XXXX  branch. Please help 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 2025-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Youre receiving constant phone calls, home visits, and mailed court documents from people attempting to collect on unpaid debts and serve you with court papers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Creditor : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3000.00} Issue : No payment history reported ; unable to verify with original creditor ( XXXX  ). 
Creditor : Portfolio Recovery Associates Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$840.00} Issue : Allegedly purchased from XXXX. No proof of ownership or account details provided. 
Creditor : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$360.00} Issue : Relates to XXXX XXXX. No documentation provided confirming account ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: CA

Complaint narrative:
[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX ca XXXX ] [ XXXX ] [ XX/XX/year> ] Absolute Resolutions Corporation XXXX XXXX XXXX XXXX, MN XXXX ( Head office : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX ) Subject : Cease and Desist Notice Account number ( XXXX ) Dear mr/mrs Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am formally requesting that you cease all communication with me regarding the referenced account. 

Please note : I dispute the validity of the alleged debt. 
I request that you stop all phone calls, letters, emails, texts or any other form of contact with me, my family, my employer or any third-party regarding this account. 
The only allowed further communication is a written notice that you are ending collection efforts or intend to take a specific legal action. 
If you persist in contacting me, you will be violating the FDCPA and I may file complaints with the CFPB, FTC and my state Attorney General. 

Please confirm in writing that you have received this request and that you will comply. 

Sincerely ( XXXX XXXX XXXX. )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: GA

Complaint narrative:
This letter is submitted in accordance with my rights under FCRA, FDCPA, TILA, UCC, and the Metro 2 standard. Also citing your 2025 data breach, I request heightened accuracy review. 
Disputed Accounts & Issues : XXXX. XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Lates : XXXX Days Late o Violations : FCRA XXXX ( b ), XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 150 Days Late o Violations : FDCPA 809, FCRA 605 ( a ) and 611 3. XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payments : 30 and 60 Days o Inaccurate payment history and closure remarks conflict with Metro 2 guidelines Hard Inquiries ( Unlinked ) : Review and delete hard inquiries not linked to current open accounts : o Creditor Name - Date of Inquiry Remedy Sought : Deletion or verified correction within 30 days. 
Failure to act will result in formal complaints and legal action.

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 2025-10-23 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: OH

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES 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 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 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

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 2025-10-23 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: MO

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: MO

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

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

Company 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 2025-10-23 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: NY

Complaint narrative:
in accordance with the fair credit reporting act account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. state i have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : it also state a consumer reporting agency can not furnish a account without my written instructions

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 2025-10-23 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: GA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX 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 2025-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
Between XX/XX/XXXX and XX/XX/year>, I received multiple automated Huntington Bank balance alert emails showing inconsistent and inaccurate reported balances for the same checking account. The reported balances fluctuated by hundreds of dollars without any corresponding transactions or deposits to justify the changes. 

I compiled the emails into a single PDF and created a chart showing the reported balance trend over time. The visual evidence clearly demonstrates erratic reporting behavior by Huntingtons automated alert system. On some days, the balance increased or decreased sharply overnight, with no associated debit or credit activity in my online banking history. 

These repeated discrepancies suggest systemic reporting or crediting errors within Huntingtons internal systems. They also caused significant confusion and difficulty in monitoring my account accurately. Despite maintaining communication channels and verifying my account activity, no explanation or correction was provided by the bank. 

I believe these errors may constitute violations of the Electronic Fund Transfer Act ( EFTA ) and Truth in Savings Act ( TISA ), both of which require financial institutions to provide accurate and timely account information to consumers. 

Attached evidence includes all alert emails and a data graph summarizing the balance discrepancies ( XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I was essentially cornered XXXX minutes prior to my XXXX XXXX XXXX with a demand for payment of {$1800.00} when I had private employer provided insurance that had covered a prior XXXX for him under similar circumstances XXXX year before. In fact the year prior I was literally asked for {$800.00} at XXXX site then reimbursed full amount weeks later. Care Credit seems to be well known on line for deceptive practices luring customers with immediate assurance that being a health coverage I would receive 0 % interest and they would work with me regarding payments that may or may not e absorbed eventually by my insurance provider. This never happened. I paid every month @ {$58.00} thinking it would take time but they would get their money. My shock when I thought I had reduced the debt to nearly {$1000.00} and they added an incredibly suspect amount of late fees and interest so that the minimum due was approximately {$360.00} for the current month! I think they expect me to pay double the original principle. This was not for some luxury or vacation. I was helping my son who had no insurance of his own having just started new job. My insurance I thought would pay the bulk of this bill but did not. I refuse to be scammed when all I did was take their offer to get my son 's XXXX XXXX XXXX XXXX  I just XXXX  XX/XX/XXXX and will be on social security and maybe unemployment but with XXXX  XXXX  it remains unclear. XXXX XXXXs my only resource as my wife is XXXX XXXX  and does not have a job it is looking for something she can do. We rent, have a car payment of {$190.00}. and I have an excellent pay history on over XXXX credit accounts. Haven't missed a single payment in XXXX years. Care Credit made an offer for me to pay {$1200.00} by XX/XX/2025 to close account. I can only transfer to another card which I feel is wrong. They are just unbelievable. 
Please help me find an amicable resolution.

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