vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2025-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Summit A*R, Inc.
State: TX

Complaint narrative:
SUMMIT AR ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX  This company must remove all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : 1. A debt collector/buyer must be bonded and licensed by the XXXX XXXX XXXX XXXX XXXX 
2. The debt must be legally collectible within the states jurisdiction where the creditor resides.

3. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification.

4. A debt purchase must have an assignment number and be registered with the XXXXXXXX XXXX XXXX XXXX. 
5. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice. 6. This company has posted one or mor
e out dated collection against my credit report. It looks like the account was over 7 years old, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!

7. Debt Buyers obtain assignments of uncollected debts in bulk, without individual purchase agreements, which is a violation of requirements with the XXXX, and in most cases can not be valued as true ownership under XXXX. 
8. Accordingly, this debt buyer must prove these requirements or delete any collection on all pertinent credit reports ; i.e. XXXX, XXXX  and XXXX XXXX respectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
My credit reports with XXXX XXXX, and XXXX  are incorrectly showing two active mortgage accounts when I only have one. The reports are inflating my mortgage balance to approximately {$830000.00} when my actual balance is about {$430000.00} with SHELLPOINT MORTGAGE SERVICER It appears that when my loan servicing was transferred, the prior servicer did not update their tradeline to transferred/closed with {$0.00} balance, and it is still showing as open. This has created a duplicate account and an inflated debt balance.

I have already disputed this with the credit bureaus and contacted my servicer, but the error has not been corrected. This inaccurate reporting is harming my credit profile by doubling my mortgage balance and debt obligations.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have been a customer with Capital One for nearly XXXX years. During that time, I have held XXXX personal credit cards with them, in which I have paid off my balance in full almost XXXX  % of the time. My monthly balance is typically in the {$2000.00} to {$3000.00} range. This has resulted in me having a strong credit score of XXXX. Earlier this year, I requested for XXXX of my cards ( XXXX XXXX card ending in XXXX ) to be closed. I currently see that it is " restricted '' but Capital One insists it is closed. On XX/XX/year>, I paid off the balance on this closed account in the amount of {$1100.00}. This was 1 day ahead of the payment due date. As a customer, I expected my closed account to be at XXXX balance and completely paid off in full. However, the next month, I received a monthly statement for this closed account with a new balance of {$14.00}. On XX/XX/year>, I called Capital One and spoke with a 1st level CSR who could not properly explain to me why the account had accrued interest. I had requested for the {$14.00} to be waived since the account was paid in full and at XXXX balance status, but she refused. I asked to speak with a 2nd level supervisor whom I was transferred to. She explained to me that since the last cycle, my account had continued to accrue interest despite it being at XXXX balance. I told her that explanation did not make sense since it has a balance of {$0.00} ( no balance for interest to accrue on ) and was PAID IN FULL 1 day before the due date. I reiterated my request for the {$14.00} to be waived but she refused. When I asked to speak with her manager ( 3rd level ), she said that she is the highest level of customer support at the company and that there is nothing she can do. When I told her that I would consider closing my remaining account due to her poor customer service, she proceeded with account closure instead of engaging in customer retention efforts. She was wiling to let a XXXX  year customer in good standing walk away over {$14.00}.... unbelievable. At this point, I stated her service was unacceptable and reiterated my request yet again. She stated that she can no longer help me and disconnected my call WITHOUT my consent. In the nearly XXXX  years with Capital One, I have never been treated this way by a CSR. She was extremely rude and unhelpful. In summary, Capital One continued to charge interest on an account that was CLOSED and at XXXX BALANCE, while the remaining balance was PAID IN FULL before the due date. I have never experienced something as ridiculous as this situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XX/XX/2025 Office of the Comptroller of the Currency Customer Assistance Group XXXX. XXXX XXXX XXXX, TX XXXX Re : Complaint Against Wells Fargo Bank , N.A .

To Whom It May Concern, I am filing a formal complaint against Wells Fargo Bank, N.A., a national bank under your supervision, for abusive, deceptive, and harmful practices that have caused me unnecessary stress and financial harm.

I received a mailed offer from Wells Fargo for a balance transfer. I accepted the offer by phone, and the Wells Fargo representative provided me with a confirmation number. Despite this, Wells Fargo placed two separate hard inquiries on my credit report for the same transaction.

Shortly afterward, Wells Fargo inaccurately reported that my account was not in good standing. At the time, my FICO score was XXXX, and I had no credit issues whatsoever. This has now damaged my credit rating. 

I previously filed with the CFPB and included the confirmation number. Wells Fargo, however, has responded with irrelevant investigations while ignoring the real issue. They continue to : Record multiple hard inquiries for a single transaction, Report false account status information, Cause unnecessary harm to my credit rating, and Waste my time with evasive responses.

I emphasize that : I do not want to maintain any account with Wells Fargo.

I do not wish to do business with Wells Fargo. 

Yet their conduct forces me to continue engaging with them at my expense.

Wells Fargo has a long record of consumer abuse, repeatedly fined and sued for misconduct. My case demonstrates that these harmful practices continue.

I respectfully request that the OCC : 1. Investigate Wells Fargos actions in this matter, 2. Require them to remove the duplicate hard inquiry, correct the false reporting, and repair the damage done to my credit, and 3. Consider stronger supervisory or enforcement actions, given their history of repeated violations. 

This experience has caused me severe XXXX  and XXXX, and I believe Wells Fargo is harming many others in the same way. 

Sincerely, 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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
XXXX- I was XXXX  XXXXXXXX XXXX XXXX my card was compromised and I filed disputes Hard inquiries that shouldn't be imon there. I was not informed of a hard inquiry. 
Credit cards that I didn't apply for. XXXX didnt inform me of a hard inquiry before hand

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This company must remove all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : XXXX. A debt collector/buyer must be bonded and licensed by the XXXXXXXX XXXX XXXXXXXX XXXX XXXX 
XXXX. The debt must be legally collectible within the states jurisdiction where the creditor resides. 
XXXX. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
XXXX. A debt purchase must have an assignment number and be registered with the XXXXXXXX XXXX XXXXXXXX XXXX. 
XXXX. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice. 
XXXX. This company has posted XXXX or more out dated collection against my credit report. It looks like the account was over XXXX XXXX XXXX, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!! 
XXXX. Debt Buyers obtain assignments of uncollected debts in bulk, without individual purchase agreements, which is a violation of requirements with the XXXX, and in most cases can not be valued as true ownership under XXXX. 
XXXX. Accordingly, this debt buyer must prove these requirements or delete any collection on all pertinent credit reports XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX respectively.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: MA

Complaint narrative:
I am writing with deep concern and sadness because I have been a victim of identity theft, and my life has been deeply damaged by accounts that were never mine. As an XXXX  XXXX, I expect my rights to be respected and not violated by companies that choose to play with peoples lives. My only dream is to have a dignified home for my family, but this possibility is being stolen from me by unscrupulous individuals and irresponsible institutions. I deserve peace of mind and the opportunity to rebuild my future, but instead I am forced to live with the unbearable weight of fraudulent accounts attached to my name. It is also important to point out that XXXX XXXX XXXX constantly changes its name to avoid responsibility, previously appearing as DEPTEDXXXXXXXX  and XXXX XXXX, which is an abusive practice that can not continue to be allowed, as it only creates confusion and prevents the resolution of the damage caused. None of these accounts belong to me, including XXXX XXXX XXXX ( Account number : XXXXXXXXXXXX XXXX XXXX XXXX XXXX Opened in XX/XX/XXXX ), XXXX XXXX ( Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened in XX/XX/XXXX ), XXXX XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened in XX/XX/XXXX ), and others that keep appearing under different variations of this name, as well as XXXX ( Account number : XXXX XXXX XXXX XXXX XXXX  Loan Opened in XX/XX/XXXX ). Additionally, there are inquiries that I never authorized, such as XXXX XXXX on XX/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 2025-08-16 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: MA

Complaint narrative:
I am writing with deep concern and sadness because I have been a victim of identity theft, and my life has been deeply damaged by accounts that were never mine. As an XXXX  XXXX, I expect my rights to be respected and not violated by companies that choose to play with peoples lives. My only dream is to have a dignified home for my family, but this possibility is being stolen from me by unscrupulous individuals and irresponsible institutions. I deserve peace of mind and the opportunity to rebuild my future, but instead I am forced to live with the unbearable weight of fraudulent accounts attached to my name. It is also important to point out that XXXX XXXX XXXX constantly changes its name to avoid responsibility, previously appearing as DEPTEDXXXXXXXX  and XXXX XXXX, which is an abusive practice that can not continue to be allowed, as it only creates confusion and prevents the resolution of the damage caused. None of these accounts belong to me, including XXXX XXXX XXXX ( Account number : XXXXXXXXXXXX XXXX XXXX XXXX XXXX Opened in XX/XX/XXXX ), XXXX XXXX ( Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened in XX/XX/XXXX ), XXXX XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened in XX/XX/XXXX ), and others that keep appearing under different variations of this name, as well as XXXX ( Account number : XXXX XXXX XXXX XXXX XXXX  Loan Opened in XX/XX/XXXX ). Additionally, there are inquiries that I never authorized, such as XXXX XXXX on XX/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 2025-08-17 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: DISCOVER BANK
State: NY

Complaint narrative:
On XX/XX/XXXX, an unauthorized charge of {$3800.00} was made at an XXXX XXXX on my Discover card. I immediately reported it, and Discover temporarily removed the charge during their investigation. However, about a month later the charge was added back to my account. Since then I have disputed this charge XXXX additional times, but it is still unresolved. I did not authorize or make this purchase. 

I have been a Discover customer since XXXX and have always valued the company. However, this situation is not right. It has now been over a year and the charge is still on my account. Because of this, my credit has been harmed, and I have faced financial stress from being held responsible for a purchase I did not make.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
My credit report shows an inquiry on XX/XX/year> from XXXX XXXX XXXX At no time have I ever engaged in a credit application with this company. I have reached out to request a copy of the signed application and have received no response other than the company has deemed it is verified but provided no proof of verification.

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 2025-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I am disputing the legitimacy of a debt that LVNV Funding LLC is attempting to collect, allegedly related to a XXXX credit card account originally issued by XXXX  XXXX, XXXX. I have never entered into any agreement with LVNV Funding LLC, nor have they provided documentation establishing a valid assignment or legal authority to collect. Despite my written dispute under 15 U.S.C. 1692g ( FDCPA ) and 12 C.F.R. 1006.341006.38 ( Regulation F ), LVNV has continued collection activity without supplying the required validation or proof of ownership/assignment of the debt. 

In addition, LVNV Funding LLC has accessed and/or used my nonpublic personal information ( including account details and identifiers ) without my permission. If they obtained my consumer report, they may have done so without a permissible purpose in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681b ). Likewise, if XXXX XXXX disclosed my nonpublic personal information to LVNV outside of lawful exceptions, such disclosure may constitute a violation of the GrammLeachBliley Act ( 15 U.S.C. 6802 ) and Regulation P. 

These actions amount to deceptive and unfair practices under the FDCPA ( 15 U.S.C. 1692e, 1692f ) and may constitute an unfair, deceptive, or abusive act or practice under the Consumer Financial Protection Act ( 12 U.S.C. 5531 ). 

I am requesting that the CFPB investigate these violations, require validation and proper authority to be shown before any further collection, review whether my consumer report was accessed without a permissible purpose, and determine whether my personal information was improperly disclosed in violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WI

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation