vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Revolut Technologies Inc.
State: MA

Complaint narrative:
On XX/XX/year>, I was trying to correct my last name as it does include spaces and they didnt want to add the spaces. 

I uploaded my Puerto Rico drivers license, which is Real ID and compliant under the Real ID Act under US federal law. As a US government issued ID, not accepting this document is against the law.

The chat assistant agreed with me but I tried to explain this to someone from the onboarding team and they kept saying unfortunately its not accepted because it is from Puerto Rico.

There must be some confusion about this but must be corrected and manually reviewed as that is not okay and discriminatory in nature.

While I have a US passport and Massachusetts residency to show for, this is more of an effort to correct something that is wrong and discriminatory policies and practices. Furthermore, until it is corrected, I do not wish to do business with a bank where Puerto Ricans ( or certain US citizens ) are not welcomed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy & confidentiality under 15 usc XXXX. 
TransUnion account # : XXXX, XXXX, XXXX Equifax account # : XXXX, XXXX, XXXX, XXXX has violated my rights. 
15 u.s.c XXXX section XXXX A. States I have a right to privacy. 
15 u.s.c XX/XX/XXXXsection XXXX A section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions 15 u.s.c XXXX. ( a ) ( XXXX ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XX/XX/XXXX years 15 u.s.c XXXX ( A ) ( XXXX ) A person shall 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 2025-10-13 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: NJ

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

Accounts in Dispute : XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX  Account XXXX : XXXX XXXX. XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I disputed the collection account and requested debt validation and proof of ownership under FDCPA 809 ( b ). CCS did not provide any documentation to validate the debt but continues to report the account to the credit bureaus. This violates FDCPA 809 ( b ) and FCRA 623. I request deletion of this account and investigation by CFPB.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: OH

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$12000.00} Account name XXXX XXXX  Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$0.00} Account name XXXX Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$330.00} Account name XXXX XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$0.00} Account name XXXX XXXX Account number XXXX Account type Loan Date opened XX/XX/XXXX Balance {$3800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: AR

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX  Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$0.00} Account name XXXX XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$390.00} Account name XXXX XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$1000.00} Account name XXXX XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$0.00} Account name U.S. DEPARTMENT OF EDUCATION Account number XXXX Account type Education Date opened XX/XX/XXXX Balance {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax XXXX breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$2400.00} Account name XXXX DEBT RECOVE Account number XXXXXXXXXX Account type Apartments Date opened XX/XX/XXXX Balance {$160.00} Account name XXXX XXXX Account number XXXX Account type Loan Date opened XX/XX/XXXX Balance {$36000.00} Account name XXXX XXXX XXXX Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$35000.00} Account name XXXX XXXX XXXX Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$38000.00} Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$20000.00} Account name XXXX Account number XXXX Account type Loan Date opened XX/XX/XXXX Balance {$39000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: TX

Complaint narrative:
Consumer Name XXXX XXXXXXXX XXXX, Consumer Social Security Number XXXX XXXXXXXX, Consumer Date of Birth XXXX XXXXXX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX  XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$570.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX  ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-10-13 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-10-13 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: AL

Complaint narrative:
Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX XXXXXXXX, Consumer Date of Birth XXXX XXXXXX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax XXXX breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within XXXX days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name XXXX XXXX XXXX  Account number XXXX Account type Education Date opened XX/XX/XXXX Balance {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: FL

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 - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES : XXXXXXXX XXXX XXXXXXXX - XX/XX/2024 XXXX XXXX  XXXX - XX/XX/202XXXX XXXX - XX/XX/2024 XXXX XXXX XXXX XXXX - XX/XX/2024 2024

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 2025-10-13 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: DC

Complaint narrative:
XXXX XXXX added fraudulent charges to my XXXX credit card after I closed it. My XXXX credit card account from XXXX XXXX was closed and paid in full. I have a letter from XXXX that my account was closed, paid in full and has a XXXX balance. I disputed the charges with XXXX XXXX. However, they refused to fix the problem. XXXX XXXX is engaging in fraudulent business practice. See attached documents. Please remove this account 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 explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XX/XX/year>, I was manipulated and threatened into sending money through XXXX XXXX. The person involved also hacked my XXXX account, which is connected to many of my digital accounts including my XXXXXXXX XXXX because I used the same password. I feared my XXXX XXXX and XXXX XXXX were compromised. I reported this to Wells Fargo in early XX/XX/year>, believing I had been coerced and digitally compromised. 

On or around XX/XX/year>, I disputed a payment of {$190.00}. Wells Fargo issued a temporary credit and said they would investigate. I followed up by submitting screenshots and messages as proof showing I was being threatened, guilt-tripped, and emotionally manipulated into sending the money. 

Instead of helping me, Wells Fargo shut down my account without warning. Ive been banking with Wells Fargo since I was XXXX XXXX XXXX, and they are my only bank. They know this. They also knew ; based on the calls I had with multiple reps that I had submitted more than XXXX dispute related to the same situation. At no point did anyone warn me that filing multiple disputes might result in account closure. If I had been told, I would have followed their guidance. Instead, they watched it happen and punished me after the fact. 

Now Im left with a negative balance of - {$190.00}, no access to my funds, and no way to deposit money or resolve the issue because they closed the account. Ive also lost access to my XXXX XXXX, which is now locked because it was tied to my Wells Fargo account. 

To make matters worse, I am currently in a third-world country, completely cut off from all my money. I dont bank with any other bank. I have no way to support myself or access emergency funds all because Wells Fargo decided they werent responsible for what happened to me. 

I asked for : The reason for account closure ( they told me ) A written dispute decision ( never received ) I am asking the CFPB to : Investigate Wells Fargos actions Remove the negative balance Provide a formal written record of the dispute findings Restore access or offer a resolution so Im not left completely financially stranded This situation has caused extreme financial and emotional stress. I did what I was supposed to do. I asked for help, submitted proof, and communicated with the bank in good faith. I was punished for being honest. Now Im stranded, broke, and locked out, not because I did something wrong, but because I trusted the only bank Ive ever used to do the right thing.

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 2025-10-13 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: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
Avant has reported me as late in XXXX of XXXX. They have changed this reporting many times and have reported late payments in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. Each time I dispute the late payment they would correct it to no payments late. I was given new terms when I entered the hardship program and there was never 30 days without a payment once new terms were given and accepted, and the terms were accepted before 30 days late. When Avant gave me until XXXX to pay {$120.00} it changed my due dates and I followed exactly what was agreed upon and there was never 30 days without an agreed upon payment. Avants own response confirms this. Avant also is not reporting correctly, their website dashboard says that I have $ XXXX {$700.00} in available credit when my account is closed they say so how do I have available credit, this speaks to their false reporting and prehistoric system that automatically reports falsely to the credit bureaus without confirmation by a human, and the dashboard always says I am late and behind in my payments when I am not which violates the FDCPA and the FCRA XXXX I requested every dispute filed and the results reported from the company to show their multiple false reporting in the months surrounding my entrance into their hardship program. Avant has failed to provide the requested documents and sent me my account terms instead as of XX/XX/XXXX I still have not received the dispute history requested. Avant has collected payments while under dispute and has reversed payments for no reason and then charges me a late fee. They have twice asked for and collected double payments when I am in a hardship program and only supposed to pay {$40.00} and twice Avant collected {$80.00} in XXXX and XXXX. XXXX payment was reversed I am guessing due to my account being under dispute and no payment allowed to be collected as the money was in the account and was taken out and never reversed as they claim, they took the payment in XXXX and never reversed it collecting a payment while under dispute violating the FDCPA and the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have noticed late payment entries on my credit report that I believe are incorrect. According to 15 USC 1681e ( b ) and 15 USC 1681i, all information on my report must be accurate, complete, and capable of being verified. I am requesting a verification of these entries, and if they can not be substantiated, I ask that they be corrected or deleted.

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