vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My Wells Fargo XXXX credit card was used three times fraudulently for a total of {$480.00}. The charges and dates were as follows : - XXXX XXXX XXXX XXXX XXXX XXXX for {$150.00} on XX/XX/XXXX - XXXX # XXXXXXXX XXXX XXXXXXXX, XXXX  for {$140.00} on XX/XX/XXXX - XXXX XXXX  XXXX for {$170.00} on XX/XX/XXXX I called their help line at XXXX ( XXXX ) XXXX and filed my dispute for all three charges on two separate calls, first call for the charges on XX/XX/XXXX and second call for the charge on XX/XX/XXXX. 
The two charges on XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  ) were temporarily taken off of the card while the third ( XXXX XXXX XXXX ) never was. 
I eventually received a call from one of their representatives who asked me a series of questions regarding the card, which by then I had destroyed as instructed when I called the first time ). One of the questions related to whether or not my card had a " Gold Chip '', I responded that I was unsure since the card had been destroyed as instructed and I had not received the new one yet. 
The two charges that were temporarily removed were added back, I called to inquire as to why this was done and they responded that their investigation decided that there was no fraud committed. The only answer as to criteria for dismissal was the " Gold Chip '' which I had answered " unsure '' as to its presence. I was denied information as to any other criteria. 
I have reopened the case with Wells Fargo, but was told the second round would take 15-20 days. I have already been charged on interest payments for these fraudulent charges and do not want to have to continue to be held financially responsible for this fraud. I have called them several times to ask about any ways I could move this process along faster- I even asked if filing a police report and then presenting them with it would help and they continued to provide non-answers. 
As a customer of Wells Fargo I feel no confidence in the bank 's ability to render a fair judgement on the fraud, given that the only basis for the dismissal was an interpretation of " unsure '' as an admission of guilt. 
I have practically been called a liar by their help line at XXXX ( XXXX ) XXXX and wish the matter to be resolved sooner rather than later.

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 2025-11-18 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: NJ

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required un

der 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly de
lete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XX/XX/year>, I purchased a {$1500.00} three-year home warranty from XXXX XXXX XXXX XXXX using my Capital One credit card. After completing one service call, the merchant stopped responding to emails, ignored service requests, and falsely claimed to have contacted technicians who were not part of their network. 

When I disputed the charge, Capital One initially issued a chargeback but later reversed it after the merchants attorney provided misleading documentation showing that one service had been performed. Capital One did not consider the fact that the merchant failed to provide all subsequent services under the same paid contract. 

I submitted numerous emails, screenshots, and documents proving that the company refused to provide contracted services, but Capital One : Failed to review or acknowledge my submitted evidence, Claimed I missed deadlines I had in fact met, Ignored written confirmation that my case would be extended, and Ultimately sided with the merchant based on incomplete and false information. 

Because of this, Capital One returned {$1500.00} to a fraudulent merchant and closed my dispute improperly. The merchant has since continued to ghost me and refuses to refund my money, or even acknowledge receipt of the {$1500.00} from Capitol One. They are blantantly refusing service. 

Requested Resolution : I am requesting that Capital One : Reopen and reinvestigate my dispute under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) ; Restore the {$1500.00} in disputed funds ; and Conduct a full review of the dispute departments handling of my case. 

This was a clear case of merchant fraud and a failure by Capital One to perform a fair, good-faith investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
Radius Collections says I owe them money. I said I just got out of hospital and very confused. Why are you calling every day? Please stop calling as I hase severe XXXX and suffer terriblby since last hospilation over XXXX times last 2 years at which Radius employee said not thier issue am I....

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 2025-11-17 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: CBC Companies, Inc.
State: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuection 605B of the Fair Credit Reporant to sting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Subject : Formal Dispute REQUEST FOR REINVESTIGATION and Metro 2 Compliance Review Account Number : XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of the late payment reported for the above-referenced Capital One account on my credit file. This derogatory mark appears on my reports with one or more credit reporting agencies and is dated XX/XX/XXXX. 
As per my rights under the Fair Credit Reporting Act ( FCRA ) 611, I am requesting a complete reinvestigation of this item and demand verification under Metro 2 data reporting standards. I believe the reported late payment is either inaccurate, unverified, or not in compliance with credit reporting requirements. 
Account Details : Creditor : CAPITAL ONE Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$820.00} Disputed Item : 30-day late payment XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I was given a XXXX XXXX  AmEx Gift Card for {$500.00}. The receipt was attached and shows it was purchased and activated at XXXX on XX/XX/25. I tried to make a {$380.00} purchase at a Merchant who accepts AmEx cards on XX/XX/25. I verified the card was active and had a {$500.00} balance on AmEx website, which also showed the declined transactions without providing any reason. I contacted the Merchant on XX/XX/25 to confirm they accept AmEx Gift Cards. They confirmed they do, and they tried to do the order over the phone and by emailing me an invoice since the online attempt was declined. All transaction attempts were declined. I then called AmEx Customer Service on XX/XX/25 and was told the first time that I called that there are specific merchants that accept specific cards and that I could look at the Cardholder Agreement to find out where my card can be used. I pulled up the Cardholder Agreement and it had no such information. It said that some transactions will have to have an available balance 20 % over the purchase amount, which my balance is. I called Customer Service a second time and was told that the card will not be accepted anywhere where they verify your zip code. I was told that there is no way to add my zip code to the card so that it will be accepted, but that it " should '' work at restaurants and XXXX. The person who bought this Gift Card for me paid a service fee at the time of purchase and bought it with the expectation that I would be able to purchase anything I'd like where AmEx is accepted. It is deceptive to market these gift cards that can not be used by most of the merchants who accept AmEx, only ones that accept it without verifying a zip code. This card would not have been bought had that been known. American Express is taking funds from hard working well intentioned people giving them the impression that they are giving a gift to someone and that the person can choose to purchase what they want, but restricting all merchants who do security checks on the cards makes no sense. This needs to be investigated and this deceptive practice needs to end. This is stealing from consumers and hiding behind legalese to make the theft un punishable. This looks like class action law suit material.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-18 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: GA

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: CA

Complaint narrative:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: IN

Complaint narrative:
Complaint Against National Credit Systems Unverified Apartment Collection Reporting Account Number : XXXX Balance : {$1600.00} Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX To Whom It May Concern : I am filing this complaint because National Credit Systems ( NCS ) is reporting a rental collection account on my credit report that has not been validated, in violation of FCRA and FDCPA. 

I disputed this account and requested validation. 
National Credit Systems failed to supply any documentation proving the debt is legitimate. 
1. Failure to Provide Validation ( FDCPA 809 ( b ) ) NCS has not provided : Lease agreement with my signature Move-out statement Damage itemization Final accounting ledger Proof of assignment/ownership Written notice of the alleged debt Yet they continue collection activity. 

2. Reporting Unverified Information ( FCRA 607 ( b ) ) NCS is reporting a {$1600.00} balance without any evidence to support the amount claimed. 

No breakdown, no charges, no invoices, no dates of damage or non-payment. 

3. Failure to Mark the Account as Disputed ( FCRA 623 ( a ) ( 3 ) ) After I disputed the account, NCS did not notify credit bureaus that it is disputed. 
This is a violation of federal law. 

4. Continuing Collection Efforts Without Validation ( FDCPA 809 ( b ) ) Credit reporting is considered collection activity. 
NCS continues this activity without verifying the debt. 

5. Lack of Required Documentation for Rental Debt They have not provided : Final walk-through inspection Notice of deduction from deposit Certified statement of unpaid rent Proof I received proper notifications under state landlord-tenant laws This makes the debt invalid and unverified. 
I request that the CFPB : 1. Require NCS to produce full validation documentation, including : Signed lease Move-out report Itemized charges Deposit disposition letter Proof of assignment Legal notices sent 2. If they can not validate, require immediate deletion from : Experian Equifax TransUnion 3. Require the furnisher to mark the account as disputed. 
4. Require them to stop reporting or collecting until validation is produced. 
I dispute the validity of this account. 
NCS did not provide proof that the debt is legitimate, yet continues reporting it. 
This is causing financial harm and violates multiple consumer protection laws. 

I am requesting CFPB assistance to ensure full compliance. 

Thank you for your time. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: CA

Complaint narrative:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2025-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
Our mortgage was sold from XXXX XXXX  ( who we had for almost 8 years ) to PHH Mortgage company in XXXX of 2025. I have paid my mortgage on the XXXX and XXXX of every month at least a month in advance in order to make sure my payments are on time. Since PHH has taken over our mortgage they have misapplied my payments month after month. Then charge me a late fee and my credit report looks like I keep making late payments. I have called them every single month since they have taken over the mortgage. The reverse the payments but it doesn't change the hassle that I need to call every month. There are still 2 payments that have not been reversed even though months ago they said they had been. Now they are claiming that the payments are too old and they can not be applied to my mortgage payment. I have looked online and this seems to be an ongoing issue with many clients of the PHH mortgage company. I just want my payments applied to the correct place so that I do not get negatively impacted on my credit or with other lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
USAA Federal Savings Bank is furnishing inaccurate and unverifiable information to the credit bureaus regarding my account ending in XXXX. I have disputed this account multiple times with the credit reporting agencies ( XXXX XXXX XXXX  ), and each bureau forwarded my dispute to USAA as required under FCRA 1681i ( a ) ( 2 ). 

Despite this, USAA has repeatedly verified the account without providing any documentation substantiating their claims. They have not provided : 1. A copy of the original signed credit agreement, 2. A complete accounting showing how the current balance was calculated, 3. Any documentation demonstrating the accuracy of the dates of first delinquency, charge-off, or reported activity, or 4. Any proof that the information they are furnishing is complete and not misleading. 

I also sent a direct dispute to USAA, as permitted under FCRA 623 ( a ) ( 8 ), but they failed to conduct a reasonable investigation and responded with generic statements instead of supporting documentation. 

This account continues to be reported as a charge-off, which is severely damaging my credit and preventing me from qualifying for a vehicle lease. USAAs failure to investigate properly and its continued reporting of unverified information is a violation of : FCRA 623 ( a ) ( 1 ) ( A ) Duty to furnish accurate information FCRA 623 ( a ) ( 8 ) Duty to investigate direct disputes FCRA 623 ( b ) ( 1 ) Duty to investigate disputes forwarded by the credit bureaus FCRA 1681s-2 ( b ) Duty to review all relevant information and correct incomplete data USAA is providing only superficial verification responses to the bureaus without producing documentation demonstrating the accuracy of the information they are furnishing. This constitutes continued reporting of unverifiable and disputed information, which is unlawful. 

I am requesting CFPB intervention because USAA refuses to provide validation, refuses to correct inaccurate reporting, and continues to furnish damaging information that they have not proven to be accurate.

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 2025-11-18 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

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 XXXXXX/XX/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 2025-11-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: ME

Complaint narrative:
I asked for a loan in the amount of {$2000.00} and received it, but the payments ended up being {$500.00} per month for 18 months. I tried to negotiate a lower payment, but was unsuccessful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation