vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-30 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I recently received a Kirkland 's XXXX Credit Card from Well 's Fargo, which I never requested or applied for. I received the card via XXXX on a Saturday and when I attempted to contact Kirkland I could not talk to a human. Rather, I received a recorded message that nothing had been charged yet ; however, there was no way to cancel the card until their normal business hours begin on Monday. I tried contacting Well 's Fargo as well but was unable to report fraud or close the credit card account through Kirkland 's XXXX Credit Card or Wells Fargo because their offices were not open on the weekend. I had a credit freeze already in-place on XXXX but took further measures by freezing credit on XXXX XXXX and XXXX as well. It appears Wells Fargo has a history of issuing credit cards that have not been requested. Unfortunately, consumers are always at risk as major companies continue to have security breaches that expose personally identifiable information. This has happened on numerous occasions in the past XXXX years. While XXXX often gets free credit monitoring for a year it doesn't really resolve anything. Consumers must remain extremely vigilant to ensure their home titles, credit cards, bank and investment account information are monitored and protected. The government must do more to protect consumers from all the fraud that exists on the internet and throughout the commercial world. Veteran 's often seem to be targets and must scrutinize any requests for information.

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 2025-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
Harris & Harris opened XX/XX/year> According to the FCRA section 605B you are required to remove fraudulent accounts that I did not open and/or collections tied to fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am not aware of owing XXXX XXXX XXXX any debts. I have not had any correspondence with this company until now. I have not received any letters, plus I have not heard of the company. I pay my bills as soon as I receive them, and I have not gone to the southwest side to get any labwork done. They have the wrong person, and I hope this isn't a scam because I do not owe any balance to this company. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
am filing a formal dispute regarding the LVNV Funding account appearing on my XXXX  credit file. The reporting is inaccurate, incomplete, and violates FCRA 602 ( A ), 607 ( b ), 611, 623 ( a ) ( 5 ), and XXXX guidelines. 

1. Conflicting and impossible account statuses : XXXX, XXXX, and XXXX  reports this account as OPEN while also reporting Payment Status as Collection/Charge-off with remarks Placed for collection. A collection/charge-off account can not be reported as Open under XXXX standards. This is inaccurate and misleading. 

2. Date logic violations : The Date of Last Activity and Date Reported are both XX/XX/XXXX, while the Date Opened is XX/XX/XXXX. These dates are inconsistent and suggest re-aging, which violates FCRA 623 ( a ) ( XXXX ). 

3. Unverified balance : LVNV reports a High Balance and Balance Owed of {$810.00}. As a debt buyer, they must provide documentation showing the balance is valid and matches the original creditors charge-off records.

4. Incorrect dispute status : The file states Account not disputed, which is false. I previously disputed this, and failing to show the dispute violates FCRA 611 and CFPB Regulation V.

Requested Resolution : Delete the account if LVNV can not verify all data elements with original creditor documentation.

Or, correct all inaccurate and conflicting fields.

Provide an updated copy of my corrected credit report.

Attached is a full PDF outlining the issues in detail. 
drivers license credit report XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC
State: FL

Complaint narrative:
I am filing a complaint regarding my auto loan with account number XXXX for a XXXX XXXX XXXX ( XXXX : XXXX ), originated at XXXX XXXX XXXX on XX/XX/XXXX and later assigned to the lender. 

I believe the loan was originated through unfair, deceptive, and abusive dealer practices that caused severe financial harm and resulted in an unaffordable and improperly structured loan. 

Despite paying {$710.00} per month for more than three years, my loan balance has barely decreased. The vehicle is currently worth approximately {$12000.00}, yet I still owe more than {$24000.00}. This loan is not amortizing normally.

Issues identified : 1. Inflated pricing The cash price and total sale price were XXXX  above the fair market value of this vehicle at the time of sale. 
2. Add-ons added without proper disclosure XXXX ( {$990.00} ), service contract/warranty ( {$1900.00} ), and dealer fees ( including {$780.00} pre-delivery fee ) were included without clear explanation that they were optional. 
3. Negative equity and trade-in handling The dealer structured the transaction in a way that inflated the Amount Financed to {$31000.00}.

4. Abusive loan structure At an APR of 18.24 % combined with inflated pricing and add-ons, the loan barely reduces the principal despite consistent on-time payments.

I am requesting that the lender : Review the origination for unfair, deceptive, or abusive practices Provide a full accounting of how my payments have been applied Consider adjusting or correcting the principal balance, removing add-ons, and reviewing the loan terms I am also filing complaints with the Florida XXXX and the Florida Attorney General regarding the dealers conduct. 

I request a written response and a review of this loan.

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 2025-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
During the month of XX/XX/2025, I was receiving phone calls from a company stating they were a location service. They left a voicemail stating they located me and would be coming to my home. I did not know what it was related to. I was very scared and threatened. I felt very harassed. When I spoke to them they provided me with a claim number and the telephone number for XXXX. When I spoke to XXXX, they stated they were taking me to court to collect a debt for XXXX leasing if I did not repay the debt. I entered into a payment arrangement. I paid {$160.00} in XX/XX/2025 and {$200.00} on XX/XX/2025. The company transaction is " XXXX '' on my bank statement. When I ask XXXX for any proof of this debt or website or just anything for my records, they do not provide it. They are very aggressive and instead say that if I don't pay then they will just send me to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX. Facts of the Complaint On XX/XX/year>, I submitted a written dispute to XXXX XXXX XXXX via USPS certified mail regarding inaccurate and incomplete information furnished to the credit reporting agencies. XXXX XXXX XXXX received my written dispute on XXXX XXXX. 
Despite receiving my dispute, the creditor failed to mark the account as disputed by consumer within 30 days. 
As of XX/XX/year>, the derogatory account continues to appear on my credit reports without any dispute notation. 
This omission misrepresents the status of the debt, harms my creditworthiness, and violates federal law.

2. Violations of Federal Law The creditors failure to report the account as disputed constitutes violations of multiple statutes and regulations : Fair Credit Reporting Act ( FCRA ) : o 15 U.S.C. 1681s-2 ( a ) ( 3 ) : Furnishers must notify consumer reporting agencies when a debt is disputed.

o 15 U.S.C. 1681s-2 ( b ) : Upon notice of a dispute, furnishers must investigate and update reporting.

o 15 U.S.C. 1681i ( c ) : CRAs must note disputes in consumer files ; failure by furnishers prevents compliance.

Fair Debt Collection Practices Act ( FDCPA ) : o 15 U.S.C. 1692e ( 8 ) : Debt collectors must not communicate false credit information, including failing to report that a debt is disputed.

Regulation V ( 12 C.F.R. 1022.43 ) : o Requires furnishers to conduct a reasonable investigation of direct disputes and report results accurately.

Federal Trade Commission Act, Section 5 ( 15 U.S.C. 45 ) : o Prohibits unfair or deceptive acts or practices. Misrepresenting the status of a debt by omitting the dispute notation is deceptive.

9-506. EFFECT OF ERRORS OR OMISSIONS.

9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

4. Supporting Documentation Attached are : A copy of my written dispute letter dated XX/XX/year> Proof of delivery/receipt by XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, at approximately XXXXXXXX XXXX, I deposited {$2100.00} in cash into a Bank of America ATM located inside XXXX XXXX XXXX XXXX XXXX California. The ATM froze/canceled the transaction and did not return my money. I immediately filed an ATM claim. Because it was after XXXX XXXX, the claim was marked as starting the next business day on XX/XX/XXXX. 

During the claim process, the dispute tracker showed no updates, no movement, and no indication that any investigation was being done after the claim was opened. I had to call multiple times for updates.

About a week or two later, a representative told me that because I had two disputes open ( one submitted from the ATM phone number and one from the number on the back of my card ), they were duplicates. She suggested canceling one of them and stated they would be canceled anyway. She canceled one of the claims on her end, which resulted in both claims being marked as duplicates and completely canceled by Bank of America. 

I then had to reopen a brand-new dispute on XX/XX/XXXX, and I provided all the information again. Even after reopening, Bank of America never issued the required provisional credit, and I never received any written explanation extending the investigation beyond 10 business days. During one of my calls, I was told my account would be credited within 48 hours, but this credit never happened.

On XXXX XXXX I received a denial letter stating the bank could not locate the deposit, even though the ATM malfunctioned and I never received my cash back. I was not provided any ATM logs, camera reviews, or explanation of how the investigation was conducted.

The cancellation of my original claims, the lack of any actual investigation, the failure to provide provisional credit, the lack of written extension notice, and the final denial violate Regulation E. This money was my rent money, and the banks mishandling of this issue has put me in significant financial hardship, leaving me behind on rent and unable to pay essential bills.

I am requesting that the claim be reopened, properly investigated, and that the missing {$2100.00} be credited to my account immediately.

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 2025-11-30 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:
In XX/XX/year>, a company identified as XXXX XXXX XXXX Funding began reporting a collection account for {$39000.00} allegedly purchased from XXXX XXXX XXXX XXXX XXXX The collection account appeared on my credit reports in XX/XX/year> with no prior notice, communication, or validation. 

On XX/XX/year>, I sent a written debt validation request to the company asking for verification as required under FDCPA 1692g ( b ) and Texas Finance Code 392.202. I also requested the original signed agreement, proof of assignment or chain of title, itemized accounting, and proof of licensing and bonding in Texas. 
The company did not provide any validation. Instead, it continued reporting to the credit bureaus even though the debt was disputed and unverified. This violates FDCPA 1692e, 1692f, and FCRA 1681s-2 ( a ), which prohibits reporting unverifiable or inaccurate information.

Additionally, the company did not provide proof of ownership or evidence that it has legal standing to collect or furnish information. No copy of any contract, no bill of sale, no accounting breakdown, and no Texas-required collection
bond was provided.

Despite failing to validate, XXXX  continued collection efforts and continued to furnish the account to the credit bureaus, which I believe violates the Fair Credit Reporting Act and Texas Finance Code 392.304 ( false or misleading collection ). 

I am requesting that this account be investigated and removed because the company has failed to prove any legal authority to collect, report, or pursue this alleged debt.

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 2025-11-30 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: TX

Complaint narrative:
In XX/XX/year>, a company identified as XXXX XXXX XXXX Funding began reporting a collection account for {$39000.00} allegedly purchased from XXXX XXXX XXXX XXXX XXXX The collection account appeared on my credit reports in XX/XX/year> with no prior notice, communication, or validation. 

On XX/XX/year>, I sent a written debt validation request to the company asking for verification as required under FDCPA 1692g ( b ) and Texas Finance Code 392.202. I also requested the original signed agreement, proof of assignment or chain of title, itemized accounting, and proof of licensing and bonding in Texas. 
The company did not provide any validation. Instead, it continued reporting to the credit bureaus even though the debt was disputed and unverified. This violates FDCPA 1692e, 1692f, and FCRA 1681s-2 ( a ), which prohibits reporting unverifiable or inaccurate information.

Additionally, the company did not provide proof of ownership or evidence that it has legal standing to collect or furnish information. No copy of any contract, no bill of sale, no accounting breakdown, and no Texas-required collection bond was provided. 

Despite failing to validate, XXXX  continued collection efforts and continued to furnish the account to the credit bureaus, which I believe violates the Fair Credit Reporting Act and Texas Finance Code 392.304 ( false or misleading collection ). 

I am requesting that this account be investigated and removed because the company has failed to prove any legal authority to collect, report, or pursue this alleged debt.

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 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent account ( XXXX XXXX  ) in the amount of {$670.00}, has violated my rights. 
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 an account without my written instructions.

15 USC 1681e ( b ) ensuring maximum possible accuracy.

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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 2025-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: GA

Complaint narrative:
PNC Bank denied my fraud claim by stating that I authorized three XXXX XXXX transactions totaling {$2600.00}. However, I was the victim of an imposter scam. A scammer pretended to be a XXXX XXXX representative selling domestic travel program packages. After I sent the payments, all communication stopped, the online portal was locked, and their social media accounts disappeared.

I did not authorize these transactions in the legal sense. I was deceived. This was a fraudulently induced transfer, which the CFPB has stated may be considered an unauthorized electronic funds transfer under Regulation E. The bank did not properly investigate and did not provide a detailed explanation for the denial.

I have filed a police report and Deltas corporate executive office is actively investigating the impersonation. 

I am requesting that PNC be required to : 1. Reinvestigate my claim under Regulation E 2. Provide documentation showing how they determined this was an authorized transfer 3. Refund the funds lost due to fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: IL

Complaint narrative:
TransUnion listed an employer on my credit report and I am unable to see my credit report due to TransUnion. I do not have an employer so I am not sure why there would even be an employer on my credit report.

According to15 USC 1692c TransUnion have violated my rights in lawful communications. Please remove this off my credit report thank you.

According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation.

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 2025-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was mailed an offer for a capital one XXXX XXXX  that said if I signed up through their QR code I would receive a bonus of x amount if I spent x amount within the first 3 months. I did so and was not given the bonus. When I called I was disregarded and the bonus was refused, I was told I did not qualify even though I literally signed up through the QR code that was on the paper they mailed me. This has to be some kind of fraud. This is awful and from looking around online I can see I am not the only victim of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I am reporting a suspicious and potentially fraudulent Capital One debit card that I received in the mail. The card arrived unsolicited I did not apply for any Capital One account, and I do not have any active or prior accounts with Capital One. 

The card that arrived has the following number printed on it : XXXX XXXX 
The phone numbers printed on the back of the card are : XXXX and XXXX. 

The pamphlet in the envelope listed another number : XXXX. None of these numbers match any official Capital One customer service numbers I could find. When I called the number from the pamphlet, the representative asked for my full Social Security number. When I refused, they then asked for my bank account information. I immediately ended the call. 

My credit reports do not show any new or unfamiliar accounts, and my credit files have been frozen for over a year. I have been a victim of identity theft in the past specifically, someone took over my XXXX account and the Massachusetts Attorney Generals Office had to assist me in regaining access.

Given my history with identity theft, along with the suspicious phone numbers and the requests for highly sensitive information, I believe this debit card was sent as part of a fraud or identity-theft attempt. 

I am requesting that the CFPB investigate how this card and any associated account were created in my name, verify whether Capital One ( or someone impersonating them ) opened an account without my authorization, and ensure the fraudulent activity is stopped and removed.

Company response to consumer: Closed with explanation