vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX sent a letter end of XXXX about a debt collection. letter said we could email. I emailed the company asking for more information on my case, ei payment plans and so on. No responce. I emailed again in XXXX and XXXX. I have tried calling and you wait on hold for hours jsut for the call to hang up. I cant get a hold of anyone to take care of this issue. I have no received a court summons in the mail for said debt collection. 

so, how can I be liable when I cant even get a hold of anyone from the debt collection agency to pay my debt.. 

I have copies of emails and copies of my call log.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: CA

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 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 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 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 2025-09-23 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: CA

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 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 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 2025-09-23 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: OH

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing a hard inquiry that appears on my credit report. I do not recall authorizing this inquiry and have no existing relationship with this company that would justify a credit check. 

XXXX XXXX XX/XX/year>

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 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
On XXXX XXXX I was contacted by a man who stated he was an employee of Wells Fargo and someone was trying to take {$20000.00} out of our checking account. 

He was not a Wells Fargo rep. He was a fraudster. I did not know this, however he sounded sincere and professional so when he asked me to share my screen I did so. That was a terrible mistake! 

When I looked at my account later, I discovered there was a {$3700.00} cash advance with a an {$180.00}. processing fee from my Wells Fargo Active cash account. I did not, nor have I ever requested a cash advance from any account. 
I am a XXXX XXXX XXXX XXXX XXXX XXXX who was defrauded. 
The next day XXXX XXXX, XXXX I called the true Wells Fargo and told the event of my interaction with the man who defrauded me on XXXX XXXX, XXXX. 

The Wells Fargo rep ( real ) was very supportive and assured me it would be take care of the charge. 
We worked together to close all exisiting wells Fargo accounts and issue new accounts At the end of our conversation he stated that my error had been taken care of and I will not be charged the {$3500.00}. to my wells fargo active cash charge card. 

When I opened my mobile Wells Fargo account today the charges of {$3700.00} and {$180.00} had been reinstated. When I insisted I had not done this the rep said she would elevate my request but nothing likely would be done. 
I called wells Fargo and was told the claim had been denied. This is not fair, I've been a loyal Wells Fargo customer since XXXX, Any assistance would be appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-23 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: AZ

Complaint narrative:
I am formally disputing the inaccurate personal information currently appearing on my credit file. Specifically, I have never legally gone by the listed aliases, nor do I currently or previously reside at the reported addresses. 

The inclusion of these erroneous names and addresses violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure the maximum possible accuracy of the information they report. This misinformation creates a significant risk of identity confusion and negatively impacts my ability to obtain credit under fair and accurate conditions. 

The presence of these inaccurate entries also raises concerns regarding data mishandling, particularly in the wake of recent national data breaches. Despite prior attempts to correct this information, the inaccurate aliases and addresses remain on my file, even though they have no connection to me. 

I am requesting immediate removal of these erroneous aliases and addresses. If the credit reporting agency believes this information is valid, I demand sufficient legal documentation directly linking me to these names and addresses. Otherwise, they must be deleted from my credit report without delay. 

Finally, I request written confirmation once the correction has been made, along with an updated copy of my credit report reflecting the accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I received a phone call from telephone number XXXX, the caller claim to be somebody named XXXX calling from Wells Fargo. He said that they had gotten notice of suspicious activity in XXXX XXXX XXXX on my Wells Fargo debit card. I do not have a Wells Fargo account. As soon as I stated to this person, " I think you have called because you are trying to scam me, I don't have a Wells Fargo account, '' and I asked him to repeat his badge number, he hung up on me. When I called back it went to voicemail.

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 2025-09-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I believe these accounts were created using my information without my knowledge. Please investigate and remove them from my credit history. Documentation is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am submitting a follow-up to my previous complaint, as there is still unauthorized information on my credit report despite having filed a dispute more than 30 days ago. The information in question continues to be reported by TRANSUNION According to the FCRA ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block within 4 business days any information identified by the consumer as unauthorized when an Identity Theft Report is provided. In my case, I attached my Identity Theft Report issued by the FTC ( FTC Report Number : XXXX ), but the agency has failed to comply with this requirement. 
The accounts listed below are unauthorized and do not belong to me : Disputed / Unauthorized Accounts : XXXX XXXX I have repeatedly requested verification of contracts and documents supporting these accounts, but after more than 60 days, I have received no response. It is important to note that other credit reporting agencies have already removed the same information for lack of verification, while this one continues to report it. 
This situation is causing me direct and significant harm, as it severely affects my credit score, is preventing me from purchasing a home, and is blocking access to essential financial services necessary for my familys economic stability. 
For these reasons, I respectfully request the intervention of the CFPB to : Ensure the immediate blocking of these unauthorized accounts, as required by the FCRA. 
Provide me with written confirmation of the removal of this information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: CA

Complaint narrative:
I checked my credit report and found out that I have things on there that I did not put there

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 2025-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This account is being reported in violation of FCRA 1681e ( b ), 1681i ( a ), and 1681s-2.

The account data is conflicting, inaccurate, and unverifiable.

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 2025-09-23 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: EQUIFAX, INC.
State: SC

Complaint narrative:
This complaint is being filed because the consumer reporting agency has not fulfilled its obligations under FCRA 1681i ( a ) ( 7 ). I requested a detailed explanation of their reinvestigation process, including the furnisher 's name, the person contacted, and the documentation reviewed. The agency has failed to provide this information within the legally mandated period, denying me the transparency and verification rights granted under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am disputing U.S. Banks reporting of account ending in XXXX. 
My credit reports show contradictory and unlawful reporting : Account is listed as Charged Off with {$4100.00} written off, Yet also shows {$5100.00} past due as of XX/XX/year>, While also reported as Closed by Creditor as of XX/XX/year> or earlier. 
Under FCRA 611 ( a ) ( 1 ), contradictory tradeline data is unverifiable, and under FDCPA 807 ( 2 ) ( A ), it is materially misleading. 
A charge-off is an accounting reclassification ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ), but a write-off under XXXX XXXX. XXXX and XXXX is a tax recognition event and cancels the written-off portion of debt. Once U.S. Bank wrote off {$4100.00}, it extinguished that portion of the receivable. Reporting it as still collectible violates IRS Publication 4681, FCRA 1681s-2 ( a ) ( 1 ) ( A ), and FCRA 1681e ( b ). 
On XX/XX/year>, I sent U.S. Bank certified letters demanding Form 1099-C and disclosure of any insurance recovery. Receipts prove delivery, yet U.S. Bank has not responded, violating 12 C.F.R. 1022.43 ( e ) ( 1 ) & ( 3 ) and FCRA 609 ( a ) ( 1 ).

This inaccurate reporting is impairing my creditworthiness and causing financial and emotional harm.

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 2025-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have found collection accounts on my credit report that I believe contain incorrect information. Under my rights provided by 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit report that is accurate and verifiable. I am requesting a review of these accounts, and if they can not be verified as accurate, they should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
XXXX XXXX XXXX PHH ( through insurance communication ) demanded to be added to the mortgagee clause, despite the existing clause already stating its successor and/or assigns. 


At this time, PHH had not yet acquired the loan ( they supposedly did so in XXXX ). 


This was an unnecessary and premature demand, signaling early attempts to create artificial defaults or non-compliance. 


XXXX XXXX XXXX  Insurance agent ( XXXX, now with XXXX XXXX XXXX ) confirmed PHH was already listed as mortgagee on the policy. 


Semi-annual payment for homeowners insurance was made directly, confirming coverage remained active. 


XX/XX/XXXX Proof of homeowners insurance and confirmation of payment provided directly to PHH via email. 


Documentation included account confirmation number and property details, eliminating any doubt of active coverage. 


XX/XX/XXXX Proof of insurance provided again to PHH ( receipt and confirmation of coverage sent ). 


PHH acknowledged receipt with an auto-confirmation reply. 


XX/XX/XXXX PHH sent a Payoff Statement demanding resolution and suggesting foreclosure risk, despite having active proof of insurance and no legitimate grounds for default. 


This document was delivered as a threat, demonstrating a pattern of manufactured defaults and intimidation. 


XX/XX/XXXX PHH confirmed ( again ) that it received the homeowners insurance proof and acknowledged the request regarding the reverse mortgage. 


Confirms they had full knowledge of compliance yet still proceeded with foreclosure threats. 


Certified Notice ( XXXX ) Formal Notice of Error under 12 C.F.R. 1024.35 and Request for Information under 12 C.F.R. 1024.36 was sent to PHH. 


This notice establishes that PHH had been repeatedly informed of compliance and that their actions were in bad faith. 



Supporting Pattern of Predatory Practices Premature Mortgagee Clause Demand ( XXXX ) : PHH inserted itself before officially acquiring the loan, setting up artificial compliance issues. 


Repeated Proof of Insurance ( XXXX ) : Homeowners insurance was provided multiple times, yet PHH continued to act as if noncompliance existed. 


Manufactured Foreclosure Threat ( XXXX ) : Despite documented compliance, PHH issued payoff/foreclosure letters to an XXXX borrower. 


XXXX & XXXX XXXX : Repeated requests for information already provided created undue stress, confusion, and the appearance of deliberate predatory targeting of a vulnerable elderly homeowner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
I am in transition between financial institutions. I have had already a Venmo account and wanted to use it to transfer funds from the new to the old as a stopgap to have access to some money as the debit card issued to me was found at fault. I tried to transfer a modest ( less than {$50.00} ) sum to verify it would work, after verifying through its contractor XXXX. After receiving the verification email from XXXX, I attempted the transfer to my old financial institution. I was informed after putting in the sum that I couldn't make a transfer without adding funds to my balance in the Wallet. This has yet been made plain to me by Venmo. I then researched how I may add funds, as in the Wallet window of the app there is no clear indication. Repeatedly results within Venmo 's FAQs on their Adding Money section consistently referenced using the " Add Money '' button in the Wallet window. There is no such button, as I see it. Finally, after one pathway of research on this after the other, I consulted my XXXX about the missing button. It informed me that there had been a change in policy and many users were now ineligible to use this button function and it was removed. I then specifically research this angle of discovery about how to resolve the issue in the Venmo Help Center finding no reference to the AI 's generated response. I had been led on a long, time-wasting journey courtesy of Venmo 's XXXX inadequate lack of clarification on its policies either on the functional face of the app or its XXXX resources in my issue, which all along was policy. But, truthfully, I don't know that. Due to the fact I would rather petition the government with this complaint with the glaring inefficiencies of basic and plain service expected of this kind of online service, than waste another hour going through the labyrinth that is the Venmo customer experience again. And hopefully in the meantime I'm not forced to need to buy something in an emergency because I have been left in the lurch. I also heap the blame of this situation on a lack of effectively responsive customer service. It's easier to browse the FAQs than utilize the XXXX XXXX  currently on offer by Venmo.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: UT

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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