vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SELECT PORTFOLIO SERVICING, INC.
State: AK

Complaint narrative:
I am disputing inaccurate credit reporting and seeking debt validation for a second mortgage account serviced by Select Portfolio Servicing , Inc. ( SPS ). This loan originated in XXXX with a principal balance of approximately {$60000.00}. SPS began servicing the account in XXXX. In XXXX, a modification was executed, raising the reported balance to {$85000.00}, with a balloon payment and deferred principal. 

SPS is now reporting an original balance of {$85000.00} and a current balance of {$89000.00}. This is factually incorrect. The $ XXXX figure is from the modificationnot the original loan. The note remains payable to XXXX XXXX XXXX Alaska XXXX XXXX, and has never been endorsed or transferred. As of the XXXX modification, SPS claimed it was acting on behalf of the note holder but failed to identify who that holder was or provide proof of lawful servicing authority. 

In addition, my credit report reflects no payments after XXXX XXXX though I continued making monthly payments through most of XXXX. The reported payment history is therefore incomplete and misleading. The account also shows past-due status that conflicts with actual payments made and funds currently held in escrow. 

I submitted formal disputes to SPS on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( under RESPA and FCRA ), and a credit reporting dispute letter on XX/XX/XXXX. SPS has either failed to respond or responded without enclosures or validation. I am attaching my updated credit bureau dispute letter and XXXX validation request to SPS. These letters include documentation showing the inaccuracies, including a copy of the original promissory note, the XXXX modification, a recent credit report, and SPSs deficient response. 

I am using this complaint as formal delivery of my dispute and validation request. I request the CFPB to ensure SPS responds through this channel. If the company can not validate its authority to service the debt and correct the inaccurate reporting, I will pursue legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-09-22 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Re : Request for Account Information Account Number : AMEX - XXXXXXXX XXXX XXXX XXXX XXXX Whom It May Concern I am writing to formally request a complete record of the following information regarding the above-referenced account, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws : 1. Date the account was opened 2. Date the account was closed ( if applicable ) 3. Date the account was sold or transferred ( if applicable ) 4. Date the account was charged-off ( if applicable ) 5. Date of first delinquency reported 6. Date of last payment received 7. Current balance and balance at the time of charge-off ( if applicable )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CFS ACCEPTANCE
State: IL

Complaint narrative:
These companies sold my husbands debt to other companies so legally Im not obligated to pay any one my husband is deceased

Company response to consumer: Untimely response
Consumer complaint received 2025-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/year>, my Wells Fargo checking account had an ending balance of {$39.00}. On XX/XX/year>, the ending balance was {$4.00}, still positive. On XX/XX/year>, the account suddenly showed a negative balance of {$30.00}, caused entirely by a {$35.00} overdraft fee. 
The overdraft fee itself created the negative balance. Without the fee, my account would not have been overdrawn. This appears to be an unfair and deceptive practice, because my account showed positive ending balances each day prior to the fee. 
I contacted Wells Fargo to dispute this and request a refund, but they refused. I am requesting that this overdraft fee be reversed and that my account balance be corrected.

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 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/25 I received several notifications about suspicious activity in my accounts. The accounts affected were : my personal checking, a joint house account I share with my fiance, and a joint savings I share with my fiance. 
Apparently, someone called in posing as me ( which means they made it through the 'my voice is my password ' security measure ), and transferred {$1200.00} from our joint savings, into my personal account, and transferred {$1300.00} from our joint checking account into my personal account, then proceeded with 11 or 12 overseas money transfers totalling {$11000.00}. I was only out a total of {$1800.00} personally ( once I called and complained of fraud ). 
I've requested to hear who they allowed to pretend to be, because with their measures, there's no way someone could pretend to be me. Wells Fargo never put the money back even after I said I didn't authorize the transfer! 
Wells Fargo has issued a provisional credit of the {$1800.00}, closed all 3 affected accounts, reopened XXXX brand new accounts. Much to my inconvenience. 
I've visited the XXXX, GA branch to discuss how this happened, in person, twice, and all I hear is " I'm sorry ''. No how or why this happened. Even better, nobody can tell me how to prevent it from happening again. 
Today I received a letter stating there was no financial loss and they consider the phone transfers as authorized and have closed my claim. 
This was NOT an authorized transfer. Nobody is helping me and I feel like this is a cover up of either : A. A data breach or B. An inside job. 
I'm scared and I've lost faith in Wells Fargo ability to protect my accounts and I just want some answers.

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 2025-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I am submitting this complaint regarding Wells Fargos mishandling of two claims concerning my checking account ( Case # XXXX and XXXX # XXXX ). After reporting the issue, I was told I could submit documentation to the investigator. This opportunity was never provided, and the claim was closed prematurely. 

I requested documentation of the investigation on XX/XX/year>, which was not provided within the XXXX business days as required. It was postmarked XX/XX/year>. I have spent an exorbitant amount of time trying to resolve this issue through multiple channels. During a call with a representative from the Executive Office, I was treated dismissively and my concerns were minimized. 

I have a follow-up meeting scheduled to discuss the finalization of the refund and the issuance of a formal apology. I am requesting a full explanation of the investigation process, timely resolution of the refund, and assurance that Wells Fargo will comply with federal regulations. 

I reserve the right to pursue further remedies if this matter is not resolved appropriately.

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 2025-09-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: AL

Complaint narrative:
This is a formal dispute of the Jefferson Capital Systems account. You are furnishing data that is inaccurate and unverifiable, violating FCRA 607 ( b ), 609 ( a ), 611, 623, FDCPA 807-809, and XXXX XXXX XXXX. 
Specific Deficiencies 1. Failure to mark Dispute The account is not coded with the XXXX compliance code, in violation of FCRA 623 ( a ) ( 3 ).

2. Balance Inflation The balance includes unlaw post-charge-off fees. This violates FDCPA 808 ( 1 ) and Kojetin v. CU Recovery , Inc., 212 F 3d 1318 ( 8th Cir. 2000 ).

3. Cross-Bureau Inconsistencies The reported balance and dates differ across CRAs. This violates FCRA 607 ( b ), Requiring maximum possible accuracy.

4. No Proof of Ownership Jefferson Capital has failed to provide the original contract or assignment documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me

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 2025-09-22 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: LA

Complaint narrative:
Ive been a victim of IDENTITY THEFT multiple times due to multiple data breaches using my information. I have contacted all of the credit bureaus multiple times disputing inaccurate information only for it to come back as verified as my own personal debt. 


( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( XXXX ) that the information may be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section; and ( XXXX ) of the effective dates of the block. 
( c ) Authority to decline or rescind. 
( XXXX ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 
( XXXX ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.

( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.

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 2025-09-22 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: AR

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 XXXXXX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I have attempted to validate this debit through several times I am disputing a collection account reported by XXXX I have repeatedly requested validation of this alleged debt, but the collector has failed to provide documentation proving I am responsible. This account is not valid, and I believe it has been reported in error and in violation of the Fair Debt Collection Practices Act ( FDCPA ) I respectfully request that the CFPB investigate and require the collector to provide full validation or remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I make it a point to regularly review my credit report because maintaining an accurate credit profile is extremely important to me. However, I continue to see the same inaccurate and false information reported, despite having raised this issue multiple times. This recurring problem has not been corrected, and it is both stressful and exhausting to deal with. These inaccuracies are unfairly damaging my credit score and negatively impacting my life.

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 2025-09-22 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: IL

Complaint narrative:
Several negative accounts and inquiries have been reported inaccurately on my credit file, causing damage to my credit profile. For example, XXXX XXXX reported a charge-off for {$2500.00}, which was written off years ago and now shows a XXXX balance but continues to be listed as derogatory without validation. XXXX XXXX XXXX reported an auto loan as closed and paid, yet it still shows multiple late payments across several years, which is misleading and not a true reflection of the account status. XXXX XXXX XXXX is reporting a collection account for {$870.00} from XXXX XXXX XXXX  XXXX, yet as a debt buyer they have not provided proof of ownership, original contracts, or statements to validate the debt. In addition, between XX/XX/XXXX and XX/XX/XXXX, multiple hard inquiries were placed on my file by companies such as XXXX, XXXX XXXX, Consumer Portfolio Services, XXXX XXXX XXXX, XXXX XXXX and others, many of which appear duplicate or unauthorized. I have disputed these items with the credit bureau before, but they remain, violating the accuracy and verification requirements of the Fair Credit Reporting Act.

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 2025-09-22 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: AR

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent XXXX  inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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