vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-27 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: NC

Complaint narrative:
I am a victim of identity theft. I discovered multiple fraudulent accounts, inquiries, and a bankruptcy entry on my credit report that I did not authorize, open, or file. 
I submitted disputes with the credit reporting agencies months ago regarding the following : XXXX  XXXX Bankruptcy XXXX XXXX  BKPT XXXX  VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I provided proper identification, documentation, and in some cases, an FTC Identity Theft Report and/or police report. Despite this, the accounts, inquiries, and bankruptcy remain on my credit report with no proper resolution or verification. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to : FCRA 1681i Failure to reinvestigate and correct disputed items FCRA 1681c-2 ( 605B ) Failure to block fraudulent information related to identity theft FCRA 1681e ( b ) Failure to ensure maximum possible 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 explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
All of a sudden I can no longer open my bank account at Citizens Bank, my personal account. It has been days now, I call for help and they can not help me. I'm not able to pay my bills anymore. I keep getting the same message saying, " Sorry, something went wrong, trying again should fix it. If not, please come back in a bit. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
This right to cancel did not appear in any of Wells Fargo responses. This signatures is also questionable. To sign this would mean that the originator explained this type of refi and we agreed to a no cashout refi that only benefited the lender.

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 2025-09-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mid-South Adjustment Co., Inc.
State: TN

Complaint narrative:
I asked for validation of alleged debt. Also what authority do they operate under to collect alleged debt. When they claim they have not purchased this alleged debt. The claim is they are contracted on behalf of their client to collect past due balances placed with their office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: NC

Complaint narrative:
the Auto account of the XXXX XXXX XXXX XXXX Charged off closed account reported on my Equifax credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I have the right to dispute any information that is unrecognizable, incomplete, or unverifiable. to my records the information they are reporting on my credit profile is unrecognizable. Please conduct a thorough reinvestigation of this account and provide me with the results. If you can not verify the identity of this information within the 30-day period required by law, you must delete it from my credit report. Additionally, under the Truth in Lending Act ( 15 U.S.C. 1666 ), I request validation of this debt, including the original account number, the amount owed, and the date of last activity. Please provide me with a description of the procedure you used to determine the accuracy and completeness of this disputed information. Enclosed are copies of any relevant documents supporting my position. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Credit Wellness LLC
State: PA

Complaint narrative:
I was trying to find information about a collection and they kept asking me tons of questions to verify who I was before giving me the information. They they asked for {$1.00} to get the report. Explained all the false or negative information and filed disputes. Charged me {$290.00} and a {$19.00} recurring fee. I did not know you should not be charged up front. 

It is with Credif Wellness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I sent Bridgecrest a debt validation and billing error letter asking them to provide me a certified gaap financial statement showing both sides of the ledger, a copy of original application and promissory front and back. They did not comply to the rules governing debt validation, they are acting as a service of the loan, not the actual holder of the loan. They are serving as a debt collector for the spv which the loan was transferred. This information was not disclosed to me during the purchase, upon reading their XXXX filing I found out that with out my knowledge they are profiting on my signature and instrument without my permission. During the debt validation and billing errorprocess they have also repossessed my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery Associates Repeated phone calls, at least once a day sometimes multiple times from spoofed phone numbers. If you block one they will call from another. 
They were notified to cease and desist on XX/XX/XXXX/2025. Called again on XX/XX/XXXX, and the cease and desist was re-confirmed same day. Will not acknowledge calls after this date but they continue to call every day. Most recent call today XX/XX/XXXX. 
Calling in regard to a time barred debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I made a XXXX  purchase using Venmo and attempted to withdraw the XXXX  balance from my account. Venmo then suspended my account and stopped the withdrawal. I then sold the bitcoin and attempted to withdraw the cash balance back onto the card the deposit came from and Venmo is holding my money without explanation. When attempting to contact support for this issue I received nothing and am repeatedly told the problem is being sent to someone else and to wait up to seven business days for a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: NJ

Complaint narrative:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting.

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX  -- -- Opened : 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 2025-09-27 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: TX

Complaint narrative:
This is my XXXX formal notice and dispute, and I am no longer requesting correctionI am demanding enforcement. The failure of these parties to comply with Federal Law, specifically : FCRA 15 U.S.C. 1681i ( Failure to reinvestigate ), FCRA 15 U.S.C. 1681s-2 ( b ) ( Failure to correct or delete inaccurate data ), and Metro 2 format violations ( in coding, DOFD, balance updates, and account status ), ... has caused ongoing, measurable financial harm.

At this stage, continued reporting is criminally negligent, and these agencies are in violation of FCRA Section 618, subjecting them to civil liability, punitive damages, and regulatory action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: CITIBANK, N.A.
State: MI

Complaint narrative:
I am requesting that the Consumer Financial Protection Bureau reopen my complaint against Citibank ( Case # XXXX ) regarding a fraudulent credit card application submitted in my name. The original inquiry appeared on my credit report as CITI CARDS CBNA, dated XX/XX/year>2025, and I believe this is a clear case of identity theft. 
Despite my repeated efforts to report this issue to Citibankincluding calls to their fraud department, customer service, credit card team, and application groupI have received no meaningful resolution. I was transferred between departments, given at least eight different phone numbers, and ultimately told that no one could locate the application or confirm its removal.

Citibanks written response to my CFPB complaint, dated XX/XX/year>2025, was wholly inadequate. Rather than addressing my identity theft claim, Citibank treated the matter as a routine credit denial. Their letter cited generic credit report factors such as delinquencies and inquiries, and failed to acknowledge that the application itself was unauthorized. This response : - Mischaracterizes the issue by implying I submitted the application myself.

- Fails to investigate the identity theft claim or provide any findings.

- Offers no resolution, such as removal of the inquiry or written confirmation of cancellation.

- Ignores the FTC Identity Theft Report I submitted and the disputes I filed with the credit bureaus.

Citibanks response does not meet the standards of a good-faith investigation, nor does it comply with their obligations under consumer protection and identity theft laws. I am requesting that the CFPB re-engage Citibank and compel them to : - Investigate and cancel the fraudulent application.

- Remove the associated inquiry from my credit report.

- Provide written confirmation that the issue has been resolved.

I am attaching Citibanks response letter for reference. This situation continues to cause XXXX  and risk to my financial identity, and I am asking for the CFPBs assistance in ensuring Citibank fulfills its duty to investigate and protect consumers. 
Sincerely,

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 2025-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
I sold my XXXX XXXX  XXXX  that was financed by Exeter finance. To XXXX XXXX. I over paid Exeter told me they owe me a check for over {$700.00}. It has been over 2 months I have not received my refund. I have contacted them multiple times. The first time they lied and said the check was sent. I called XXXX weeks later and they said it wasnt sent. I had to call to apply for another check 4 times because they have lied multiple times now. Ive spoken to management 2 times and they couldnt tell me if my check was sent. I WANT my money. If roles were reversed they would make me pay interest. I would like to do the same if not contact law enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
when applying for credit they all say they cant " Verify My Identity '' how is that possible im a XXXX XXXX, this is affecting my lifestyle because i cant apply for credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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: PA

Complaint narrative:
TransUnion as well as other competitors ( such as equifax and experian ) has been reporting inaccurate information on my credit report in which is affecting my credit. I need accurate reporting so I can utilize my credit. Please check my report with this bureau. Trans union. Experian. Equifax.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
TransUnion as well as other competitors ( such as equifax and experian ) has been reporting inaccurate information on my credit report in which is affecting my credit. I need accurate reporting so I can utilize my credit. Please check my report with this bureau. Trans union. Experian. Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing this complaint against Experian for reporting multiple inaccurate and damaging items on my credit file. Experian has listed a wrong address, XXXX XXXX XXXX XXXX, XXXX, IL XXXX, which does not belong to me and has never been associated with me. They are also reporting XXXX  account number XXXX with a high balance of {$16000.00} opened on XX/XX/XXXX as having a late payment history, and XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX with a balance of {$640.00} as having a late payment history, when in reality I have never made any late payments on these accounts. In addition, Experian is reporting two XXXX  XXXX bankruptcy filings, Reference Number XXXX in the U.S. Bankruptcy Court and Reference Number XXXX in the U.S. Bankruptcy Court, which are not mine and have been falsely associated with me. 

Experian has also placed multiple inquiries on my credit file without my knowledge or authorization. These include inquiries from XXXX XXXX XXXX XXXX dated XX/XX/XXXX, XXXX XXXX XXXX dated XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX, XXXX  XXXXXXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX and XXXX XXXX dated XX/XX/XXXX XXXX I did not authorize these inquiries, and they are negatively impacting my credit score.

These inaccurate addresses, false late payment histories, unverified bankruptcies, and unauthorized inquiries are violations of the Fair Credit Reporting Act, which requires consumer reporting agencies to maintain maximum possible accuracy and to delete or correct unverifiable and false information. Because of Experians failure to comply, my credit profile has been unfairly damaged, I have been denied opportunities, and I have suffered financial and emotional harm. 

I am requesting immediate intervention to compel Experian to remove the wrong address, delete the false late payment histories, permanently remove the two inaccurate bankruptcy records, and delete all the unauthorized inquiries listed above from my credit file. I also request written confirmation that these corrections have been made. I am seeking relief through the Consumer Financial Protection Bureau to ensure my rights as a consumer are fully protected and that Experian complies with 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 2025-09-27 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: CT

Complaint narrative:
I want to make an new credit checking account but its connected to a number I havent had since I was XXXX I cant restart it no matter what I try for equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX. ( for Discover Bank and now XXXX XXXX, XXXX. through XX/XX/year> XXXX  ) is collecting a disputed {$11000.00} credit card debt ( Account # XXXX, Case # XXXX, XXXX XXXX, MN ) through improper garnishment and account freeze, violating FDCPA ( 15 U.S.C. 1692g non-validation ), TILA ( 15 U.S.C. 1601 disclosure failure ), and Public Law ( e.g., 18 U.S.C. 1346 fraud scheme ). 

On XX/XX/year>, I served Discovery Requests and Questions to Discover ( attached ), demanding admissions/productions/interrogatories on funding source, disclosure, and loss calculationno response or inadequate. 

On XX/XX/year>, I served my Answer with Affirmative Defenses ( attached ), denying breach of contract ( no reserves/consideration ), account stated, and unjust enrichment ( no bona fide loss ). I demanded dismissal, refunds, credit reversal, {$500.00} costs, and arbitration under Federal Arbitration Actno response or inadequate. 

On XX/XX/year>, I served a Cease and Desist Notice of Liability to XXXX ( attached ), putting the lawyer on notice of Public Law violations ( e.g., peonage under 39th Cong. Ch. 187, 18 U.S.C. 1342 fictitious name fraud, 2331 coercion/terrorism, 241/242 rights deprivation ) and demanding they back off and cease all actionsno response/ no rebuttal. 

XXXX 's XX/XX/year>, Motion for Summary Judgment ( not attached but referenced ) ignores these disputes, seeking judgment despite non-validation. The freeze ( ongoing since XXXX XXXX 2025 ) has caused > {$5000.00} economic harm and emotional XXXX ( 18 U.S.C . 2331 coercion ). This is unfair collection ( 1692f ) despite my good-faith disputes On XX/XX/year>, I sent a Cover Letter ( attached ) as creditor, enclosing XXXX  Forms 1099-A ( abandonment of secured property, {$11000.00} FMV/principal ) and 1099-B ( barter proceeds reported ), proving tax obligations met and debt resolved. Demanded garnishment release/unfreeze and explanation for code misapplication/harm to my familyno response. 
I followed up with a call on XXXX which is recorded if you want a copy asserting obligation is fulfilled and need to unfreeze my account, I then left a voicemail for attorney with no call back to date. 

On XX/XX/year>, I am sending a Debt Validation Letter ( attached ), demanding verification by oath/affidavit ( XXXX 's Law definition ), with case law on promissory fraud and breach of fiduciary duty ( e.g., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . 5-day deadline. I am sending via certified mail to XXXX, Discover, and XXXX XXXX ( since the merger with Discover ).. 

This information is given in good faith, with clean hands and sound mind to the best of my knowledge and belief.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My name is XXXX XXXX. I am a XXXX XXXX and the victim of significant identity theft. I received a notification from XXXX regarding a {$1000.00} phone shipment scheduled to be delivered to an unfamiliar address in New York. I immediately contacted XXXX, as I did not authorize this purchase. My social is XXXX XXXX XXXX XXXX informed me that, over the past three months, multiple deliveries totaling approximately {$8500.00} were made across the United States under my name, despite the fact that I do not even have an XXXX account. I was then connected to the FTC, where it was also discovered that accounts had been fraudulently opened under my identity with at least 10 different financial institutions. 

At this point, I have not been able to reach the FTC directly. I have already notified the credit bureaus, but I urgently need someone from the FTC to contact me regarding this matter. 

Please call me as soon as possible at XXXX to assist with resolving this.

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