vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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: CA

Complaint narrative:
This complaint is being filed on behalf of XXXX XXXX, residing at XXXX XXXX XXXX, XXXX XXXX, California XXXX, by her authorized representative XXXX XXXX XXXX, XXXX, pursuant to the signed Consumer Authorization and Limited Assignment Agreement dated XX/XX/XXXX. The authorized representative, XXXX XXXX, submits this complaint regarding the continued failure of the credit reporting agenciesEquifax, XXXX, and XXXXto conduct a lawful and reasonable reinvestigation under the Fair Credit Reporting Act ( FCRA ). 

Despite multiple written disputes from the consumer, including a formal notice sent on XX/XX/XXXX, and a follow-up letter on XX/XX/XXXX, the bureaus have continued to report inaccurate late payment information for the account XXXX # XXXXXXXX XXXX XXXX  ( Late Dates : XX/XX/XXXX to XX/XX/XXXX ) * * without providing any verifiable documentation supporting its accuracy. The credit bureaus failure to verify, delete, or correct this information constitutes a clear violation of FCRA 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), and 1681s-2 ( b ), which require prompt reinvestigation and deletion of unverifiable or inaccurate data. 

The consumers disputes were specific, documented, and timely, yet the bureaus failed to meet their statutory duty to investigate beyond the creditors automated response. By re-reporting the same unverifiable information, the credit bureaus have demonstrated willful and negligent noncompliance with FCRA 1681n and 1681o, resulting in ongoing credit damage, reputational harm, and emotional distress to the consumer. 

The consumer, through her authorized representative, requests that the Consumer Financial Protection Bureau ( CFPB ) compel all three credit reporting agencies to immediately remove the unverifiable late payment information, conduct a lawful and independent reinvestigation, and provide full disclosure of their verification methods, including the name, title, and credentials of any individual who confirmed the disputed information as accurate. 

If the credit bureaus continue to disregard their legal obligations, the consumer and her representative reserve the right to pursue civil remedies under the Fair Credit Reporting Act, including actual, statutory, and punitive damages as permitted by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 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: TN

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
AmEx recommend to use their gift card at a store that " accepts '' their card. However, I have not found a store, in person or online, that accepts the card. 

It keeps getting declined!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: AZ

Complaint narrative:
I don't agree with the account listed below which still appears on my credit report. Even after your investigation, I would like this account immediately re-investigated. These inaccuracies are highly injurious to my credit rating. Furthermore, in accordance with the Fair Credit Reporting Act, this is public law XXXX, XXXX Vi, section XXXX, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please forward me an updated credit report after you have completed your investigation and corrections. Your cooperation and prompt attention are greatly appreciated. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Accounts XXXX XXXX XXXX Original Balance - {$11000.00} Date Opened - XX/XX/XXXX XXXX XXXX XXXX Original Balance - {$15000.00} Date Opened - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 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: VA

Complaint narrative:
b'*XXXX XXXX\nXXXX 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 (FDCPA)**\n\nTo Whom It May Concern:\n\nThis letter serves as a formal notice disputing the validity of the alleged debt you claim I owe. Under the **Fair Debt Collection Practices Act (FDCPA)**, 15 U.S.C. 1692g, I am exercising my right to request full debt validation.\n\nYou are required by law to provide the following:\n\n1. **Proof that I owe this debt**, including a signed original contract or agreement.\n2. The **name and address of the original creditor**.\n3. A **complete itemized accounting** of the alleged balance, including interest, fees, and payments.\n4. **Proof of assignment or ownership** of the alleged debt.\n5. **Proof that you are legally licensed to collect debts in the Commonwealth of Virginia.**\n6. **Verification that this debt was not discharged or included in any bankruptcy proceeding**, with supporting evidence.\n\nUntil such proof is provided, you must **cease all collection efforts** including calls, letters, and credit reporting. Reporting unverifiable information to Equifax, Experian, or TransUnion will constitute a **violation of the Fair Credit Reporting Act (15 U.S.C. 1681s-2)**.\n\nFailure to comply within 30 days will result in a violation of the FDCPA and may subject your company to **civil liability, including statutory damages up to $1,000 per violation**, as well as actual damages and legal fees.\n\nPlease forward all correspondence and documentation to my address listed above. All future communications must be in writing only.\n\nSincerely,\n**XXXX XXXX XXXX XXXX XXXX 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 2025-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: CA

Complaint narrative:
I did not provide written authorization for this company to obtain my consumer credit report. Please remove this unauthorized inquiry in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Global Lending Services LLC
State: WI

Complaint narrative:
XXXX and XXXX XXXX XXXX XXXX on my credit report amounts {$9700.00} and {$2500.00} action taken disputes for inaccurate information XXXX my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA, requires debt XXXX to cease collection activities and provide proper valuation of the debt when requested in writing within 30 days of the initial contact. The accounts ive referenced are not 100 % accurate. Until you provide competent evidence that validated the debt including a sight agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I received my full credit report XXXX of XXXX  In a Account had popped up I dont know nothing about Nor has any ties with, I looked up the routing number on set account and bank that I have never been associated with shows

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
My vehicle was repossessed by Wells Fargo on * * XX/XX/2025 * *. I immediately contacted Wells Fargo several times to confirm the correct payment amount, make payments, and find out where my vehicle was located. After going back and forth for days, I made the * * final payment to reinstate my loan * *. 

On * * XX/XX/2025 * *, I called both Wells Fargo and the towing company. The tow company said the vehicle had already been moved to an auction about two hours away and that my * * license plates were still on the car * *. I was told that my plates would be left with the vehicle.

I rented a car and drove to the auction for my XXXX XXXX. appointment, waited until XXXXXXXX XXXX., and was then told my * * plates were missing * *. I had to return the rental, take an XXXX back, and drive home * * without tags * *. Later, the tow company said the plates were still on the vehicle because they couldnt get them off. 

Wells Fargo escalated the issue and told me * * not to order new plates * *, saying they had located my originals and would overnight them. I was told Id have them Saturday, but they never arrived. It has now been * * nine days * * since I picked up my vehicle, and I still have no tags and can not legally drive. 

To make matters worse, my account balance * * increased by over {$1000.00} * * after my final payment. Wells Fargo said these were old late fees, but I previously went through * * bankruptcy * * and an * * account review * * that should have cleared all prior fees. These new charges make no sense. 

This situation caused significant inconvenience, lost time, travel expenses, and emotional stress.

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 2025-11-01 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc.
State: NJ

Complaint narrative:
company has no authority to collect a debt from me. I never have done business with this company. They have contacted me over and over again more than 100 times plus. Yet the company has not provided any proof of ownership of this debt. They have report to all credit agencies which have affected my life and for me to do commerce. I have sent multiple requests to provide strict proof per the law. Please see attached for detail description of comprehensive complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I noticed XXXX postings for XXXX to XXXX  XXXX. XXXX was processed and cleared on the XXXX. The XXXX payment was pending. I filed a claim. And on XX/XX/XXXX they returned what I thought was the XXXX XXXX funds posted. On XX/XX/XXXX. But they also returned my credit card payment to XXXX  XXXX.. but should not gave done so for their was XXXX posting for the same amount. Wells Fargo told me they only show XXXX posting. But that is because the claim agent when opening my claim removed the XXXX posting. Now I am owing XXXX  XXXX another payment when I already paid them. Wells Fargo is taking my funds.... and again I would not have filed a claim on the XXXX had not I seen XXXX postings for XXXX ... I need your help. I am being robbed by my own banking institution.

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 2025-11-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Robinson Economic Development Corporation
State: GA

Complaint narrative:
I entered a loan agreement with XXXX XXXX XXXX on XX/XX/year>, for {$950.00}. The loan terms include an APR of 699.9935 % and a total repayment of {$5900.00}, which I believe is predatory and violates federal consumer protection standards. 

I was not clearly informed of the full cost or risks. I reside in Georgia, where such interest rates are illegal under state law. The lender claims tribal immunity and refuses to adjust the terms. I can not afford this loan and am seeking relief or cancellation. 

Ive already spent the funds and am trying to avoid further financial harm. Ive also opted out of the arbitration clause to preserve my rights. 

Please investigate this lender and help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: CA

Complaint narrative:
I did not provide written authorization for this company to obtain my consumer credit report. Please remove this unauthorized inquiry in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681b ).

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 2025-11-02 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: Open Dealer Exchange, LLC
State: CA

Complaint narrative:
I did not provide written authorization for this company to obtain my consumer credit report. Please remove this unauthorized inquiry in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: IN

Complaint narrative:
I am writing to formally dispute my federal student loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without my authorization, which violates multiple federal laws designed to protect student records and personal privacy. Under these circumstances, I request the immediate cancellation and discharge of my student loan debt in full, as my rights have been severely violated. Below are the key reasons for my request ; Violation of the Family Educational Rights and Privacy Act ( FERPA ) ; My student records were disclosed without my consent, violating FERPA 's strict confidentiality protections.

Breach of the Privacy Act of 1974 ; My personal and financial information was improperly accessed and shared without my authorization, violating my privacy riahts under federal law. Violation of the Higher Education Act ; As a student loan borrower, my information should have been protected, but the mishandling of my data demonstrates a failure to uphold these legal protections. 
Breach of Contract and Negligence ; The entity responsible for safeguarding my data failed to do so, putting my financial security at risk. And unauthorized disclosure to third parties.

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 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to formally dispute my federal student loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without my authorization, which violates multiple federal laws designed to protect student records and personal privacy. Under these circumstances, I request the immediate cancellation and discharge of my student loan debt in full, as my rights have been severely violated. Below are the key reasons for my request ; Violation of the Family Educational Rights and Privacy Act ( FERPA ) ; My student records were disclosed without my consent, violating FERPA 's strict confidentiality protections.

Breach of the Privacy Act of 1974 ; My personal and financial information was improperly accessed and shared without my authorization, violating my privacy riahts under federal law. Violation of the Higher Education Act ; As a student loan borrower, my information should have been protected, but the mishandling of my data demonstrates a failure to uphold these legal protections.

Breach of Contract and Negligence ; The entity responsible for safeguarding my data failed to do so, putting my financial security at risk. And unauthorized disclosure to third parties.

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 2025-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
That debt doesn't belong to me. 
It's an identity theft Someone had been using my name to obtain credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Block, Inc.
State: OH

Complaint narrative:
So they ended up closing my account. I had this account for a very long time for years even this is where I make my payments for my rent the pay bills for me and my XXXX daughters. I work full-time and get my check sent to this account, they close my account and said I did fraud never in my life. Have I ever done fraud never in my life have I ever been arrested. When I try to reach out, I get mostly generic messages and told the appeal will be looked at but they close my account and I have bills to pay. They said I can still use it to take out money but thats it. I need my account activated. I have never done fraud in my life. They didnt even send a warning saying hey is this whats going on? They just close my account. Turn off my card and close my account. They said I did fraud and I never did in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: LA

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and XXXX U.S.C. XXXX. Both agencies are currently reporting accounts, inquiries, and/or collections that do not belong to me and were added without my authorization or consent. 

These items are the result of identity theft and the unauthorized use or distribution of my personal information. Accordingly, they meet the federal definition of identity theft as defined by law. 

I have attached my official FTC Identity Theft Report, which details the affected accounts and inquiries. In accordance with XXXX U.S.C. XXXX, I am formally requesting the immediate blocking and deletion of all unauthorized and/or unverifiable items from my consumer file. 

Federal law requires that any item identified in a valid identity theft report must be blocked within XXXX ( XXXX ) business days of receiving this notice, unless you can provide documented, verifiable evidence proving the accuracy and ownership of the accounts in question. You currently have no permissible purpose or verifiable source to continue reporting these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: Exeter Finance, LLC.
State: CA

Complaint narrative:
I did not provide written authorization for this company to obtain my consumer credit report. Please remove this unauthorized inquiry in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 
XXXX XXXX # XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
Hi my name is XXXX XXXX and there was a debt in my account from the repayment being missed. Also it wanted me to pay back the new borrowed balance of the money I put back into my account and I thought I payed the borrowed amount balance, and it still took its borrowed amount, it took my money. 

First payment which I thought payed the debt in my account what caused the whole thing happened at XX/XX/XXXX XXXX added money and the second payment which you guys took my money at XX/XX/XXXX XXXX for supplies For extra background info^ So when its your money you loaned. you lower credit score leave a negative balance in account and cant borrow money in future But when I dont get my money its just forget me right? 

But the whole point Im trying to make is that there shouldnt have been a second payment in the first place to the loan it should have been payed off when the money hit my account XXXX XXXX XXXX XXXX dollars even paid the interest on the loan and auto pay was automatically put on never even knew that was a feature until just now so yes yall stole my money and now trying to say we dont do reverse on loans can i get reimbursed if you dont do loans Ill take reimbursement

Company response to consumer: Closed with explanation