vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I had 2 unauthorized charges made on my SoFi checking account due to my debit card was stolen. There were 2 charges 1- {$40.00} made on XXXX and another one {$100.00}. They were both unauthorized transactions. SoFi denied my disputes. They have violated Regulation E. I never got any explanation as to why my disputes were not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lockhart, Morris & Montgomery Inc.
State: TN

Complaint narrative:
Asked for validation of the charges to be mailed. Never received information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX we signed a new lease for a XXXX  XXXX XXXX. We were coming off a XXXX lease of 39 months with perfect payment record for 38 months. The XXXX XXXX XXXX dealer also has a XXXX franchise. We had one payment left on our lease. They told us that we can turn in our XXXX to them and start the new XXXX payment to them. Since we are taking a new lease we did not have to pay the XXXX payment. The credit report from all XXXX services show that we were 30 days late on the XXXX payment that was never paid. Instead the report shows that XXXX XXXX was paid {$17000.00} ( XX/XX/year> ) as the buyout ( that XXXX paid to purchase the car to sell in their used car lot ) and that everything was satisfied. You can see that all lease payments for the XXXX, as well as the XXXX XXXX have been paid perfectly. On XX/XX/year> XXXX gave us a new lease. Thru no fault of our own XXXX paid the buyout 40 days after we leased the the new XXXX from them. And this was put on our credit report as potentially negative account activity. Dropping our credit XXXX points, since when we leased the XXXX they said that our credit was XXXX. This is outrageous and ridiculous and needs to be straightened out. We will be attaching all the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this complaint to dispute unauthorized hard inquiry that are appearing on my credit report. XXXX XXXX XXXXXX/XX/year>, this inquiry were placed on my credit file without my consent and without a valid permissible purpose. I did not authorize any creditor to access my consumer report for this inquiry. The continued reporting of unauthorized hard inquiry is damaging my credit profile and violates the Fair Credit Reporting Act, including 15 USC 1681b, which requires a valid permissible purpose, and 15 USC 1681e ( b ), which requires maximum possible accuracy. I am requesting the immediate removal of all unauthorized hard inquiry and written confirmation that my credit file has been updated to reflect only inquiries that were properly authorized.

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 2025-12-29 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.As a consumer with rights under the FCRA and FDCPA, I demand the immediate removal of all fraudulent, inaccurate, and unauthorized accounts from my credit report. Under 15 U.S. Code 1681i and 1681s-2 ( b ), you are legally obligated to reinvestigate and correct inaccurate information. If these accounts are not removed promptly, I will take legal action to protect my rights and seek all available remedies.

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 2025-12-29 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: CA

Complaint narrative:
I discovered inaccurate and inconsistent information being reported on my credit file for my XXXX XXXX XXXX XXXX account, Account # XXXX. Experian reports the account as Paid, Closed, Never Late, while TransUnion and/or Equifax are reporting multiple late payments and even derogatory months for the same account. I have never been late on this account. These conflicting entries are not accurate. 



I contacted the furnisher to request verification, but I did not receive any documentation proving the alleged late payments. Under the Fair Credit Reporting Act ( FCRA ) Sections 609 and 611, I am requesting a full and proper investigation. Because the furnisher has not provided verifiable evidence and the credit bureaus are reporting contradictory information for the same account, these late-payment entries are unverified and must be corrected or removed across all bureaus. 



I am respectfully requesting that the CFPB ensure the furnisher and the credit bureaus correct the reporting and remove any inaccurate or unverified negative information 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 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: CA

Complaint narrative:
This complaint is a follow-up to CFPB Complaint XXXX regarding inaccurate credit reporting on my U.S. Bank credit card account XXXX 

In its response, the company relied solely on billing statements and contractual language to assert that the charge-off and delinquency reporting are accurate. However, billing statements do not substantiate whether a XXXX hardship or payment accommodation request was made, reviewed, or denied, nor do they demonstrate compliance with CARES Act Section 4021.

Importantly, the company acknowledged that account notations and records prior to its acquisition of XXXX XXXX are no longer available. This period includes the XXXX hardship timeframe central to my dispute. Because the company lacks call logs, account notes, or documentation reflecting hardship communications, it can not verify whether an accommodation request was made or how reporting decisions were reached.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( b ), and Regulation V ( 12 C.F.R. 1022.42 ), a furnisher must conduct a reasonable investigation and correct or delete information that can not be verified. Verification based solely on billing statements, without review of underlying account communications, does not meet this standard. See XXXX v. MBNA America Bank, N.A., 357 F.3d 426 ( 4th Cir. 2004 ).

Because the company lacks records necessary to substantiate the delinquency timeline and failed to demonstrate CARES Act compliance, the charge-off can not be considered accurate under the FCRA. I am requesting CFPB assistance in requiring correction or removal of this tradeline.

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 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Hello I had an unfortunate event of loosing my wallet on XX/XX/year>, I replaced my drivers license first thing on on XX/XX/XXXX and went to the local XXXX branch to report the problem and get a new debit card in process, I took care of this without any issue. 
On XXXX  XX/XX/XXXX I discover I was assessed {$100.00} for XXXX nsf charges for subscription and previously scheduled loan payment XXXX of the charges were for a {$7.00} and {$12.00} the loan amount was {$7900.00} XXXX assumed I would simply call the bank on Monday and they were already aware of the situation and this would be refunded. 
Not simple I got no where with the branch ot telephone banking.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: CT

Complaint narrative:
I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: KS

Complaint narrative:
DEBT VALIDATION CEASE AND DESIST COMMUNICATION LETTER LEAD BANK Your Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/25 To : LEAD BANK XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX Re : Validation Request Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status on Report : Last reported XXXX XXXX XXXX  account closed To Whom It May Concern : I am requesting full debt validation under FDCPA 809 ( 15 U.S.C. 1692g ) regarding the above-referenced account you have furnished to XXXX.

Please provide : Proof of your legal authority to collect.

Full contract or retail installment agreement with my signature.

Complete payment history and deficiency balance calculation.

Chain of title from original creditor to present.

Verification of all data being reported ( DOFD, dates, amounts ). 
Until validation is provided, cease all collection activity as required by law. 
If you can not validate, delete this account from all consumer reporting agencies. 
Sincerely, XXXX XXXX XXXX XXXX XXXX Formal Demand to Cease and Desist Communication This letter is a formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), requiring you to CEASE AND DESIST ALL FURTHER COMMUNICATION with me concerning the debt referenced below.

Original Creditor : Unknown Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unknown Debt Amount : {$520.00} cease collection activity and request that the consumer reporting agencies delete this account. 
This letter serves to formally reinforce that action and require the following : IMMEDIATE CESSATION OF ALL CONTACT : I demand that you immediately cease and desist all direct or indirect communication with me, my family, or my employer regarding the above-referenced account, including but not limited to, telephone calls, mail, email, and text messages. 
CREDIT REPORTING DELETION : I demand that you follow through immediately on your commitment to request deletion of this account from all consumer credit reporting agencies XXXX XXXX XXXX  and XXXX XXXX  and provide written confirmation to me when this deletion has been completed. 
NO CONTACT EXCEPT AS ALLOWED BY LAW : You may only contact me one last time to advise me that collection efforts are being terminated or that you intend to pursue a specific legal remedy, as explicitly permitted under 15 U.S.C. 1692c ( c ).

Be advised that any violation of this cease and desist demand will be reported immediately to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the Attorney General of my state. 
I expect full and immediate compliance with this notice. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: AZ

Complaint narrative:
I dispute this account because the furnisher failed to accept written correspondence. 
Written notice regarding accounts being collected was sent to the furnisher via XXXX with tracking. XXXX records show the correspondence was made available to the furnisher and subsequently returned as Unclaimed / Forward Expired. A furnisher that refuses or fails to accept written correspondence can not demonstrate reasonable procedures to ensure accuracy or conduct a lawful investigation. Because the furnisher failed to accept and review written correspondence, this account can not be verified and must be deleted. 
This is for ALL the accounts Jefferson Capital Systems , LLC claims to own and collect for because the letter was in reference to all accounts. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: PA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
On XX/XX/year>, I deposited a settlement check for {$10000.00} into my M & T Bank account via mobile deposit. The check is a settlement payment ( issued in connection with an XXXX  matter ). As of XX/XX/year>, M & T has released {$0.00}. The hold has now continued for over 24 days. 

I went to the branch and requested the reason for the hold, the regulatory basis for the extended hold, the status of the item ( paid/collected vs. pending vs. returned ), and a firm funds-availability date. The branch manager responded in writing that the branch can not provide any of that information and that the check is still awaiting verification from the drawee bank and maker of the check, and that that is all we can do at a branch level. The manager directed me to call M & Ts fraud department. 

On XX/XX/year>, I called the fraud department/customer service as directed. The representative ( name : XXXX, badge : XXXX ) stated the only action available was to escalate the issue internally to a higher level and that they could not provide a case/reference number, written confirmation, or any additional information beyond escalation. 

At this point, M & T is holding the entire {$10000.00} deposit with no partial release, no written timeline, and no case number or documented status for the deposit review. I am requesting CFPB assistance to obtain a written determination and prompt 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 non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On Tuesday, XX/XX/year>, we logged into our Wells Fargo online banking account to make routine purchases and discovered multiple unauthorized transactions across our accounts. We immediately contacted the Wells Fargo fraud department to report the activity. 

The unauthorized transactions included : a {$5000.00} cash withdrawal completed in-branch on the XXXX XXXX ( while we reside in Nevada  ) XXXX a {$2000.00} ATM withdrawal in Connecticut, a {$9600.00} in-branch check drawn from our savings account, a {$6000.00} unauthorized credit card charge, and a {$4000.00} unauthorized online transfer. We did not authorize, initiate, or benefit from any of these transactions. 

Wells Fargo did not notify us of any suspicious activity ; we discovered the fraud ourselves. A fraud case was opened after our report. On XX/XX/year>, we visited a Wells Fargo branch to take additional protective measures, including closing and reopening accounts with new account numbers, disabling online banking access, and ordering new debit and credit cards. 

On XX/XX/year>, we received denial letters stating the claims were denied because a secure login was used. When we contacted Wells Fargo, we were informed that the original claim had been closed and reopened under a new claim number due to how the account holders were listed. During this call, we were advised to have our phones checked for malware. 

On XX/XX/year>, a professional device scan confirmed malware on my phone, which was removed. This provides a credible explanation for unauthorized access consistent with an account takeover. That same day, we returned to a Wells Fargo branch in XXXX, Nevada, to dispute the denial letters and request escalation, but were told the matter would not be escalated at that time. 

To date, Wells Fargo has credited approximately {$5000.00} back toward the total losses of approximately {$24000.00} {$26000.00}. The remaining unauthorized transactions have not been reimbursed. At no point have we been provided with a clear explanation for the denial or evidence that the fraud was properly investigated as an account takeover event.

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