vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 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: TX

Complaint narrative:
Name : XXXX XXXX XXXX Date Of Birth : XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX TransUnion , Equifax & Experian ( URGENT MATTER ) XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report. In accordance with the Fair Credit Reporting act. The List of accounts and personal information below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Items listed above, have 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 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 XXXX years. 15 U.S.C. 1681s-2 ( AN ( 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. 
Remove Following Non-Mailing Addresses listed that below : XXXX. XXXX XXXXXXXX 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 XXXXXXXX Remove Fraudulent Accounts Listed Below : XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ), XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX, XX/XX/XXXX XXXX. XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX. XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX, XXXX Remove fraudulent inquirers below : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX VIA DEALER XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX Written By : XXXX XXXX ( MY IDENTIFICATION IS ATTACHED BELOW )

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 2025-12-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Name : XXXX XXXX XXXX Date Of Birth : XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX TransUnion , Equifax & Experian ( URGENT MATTER ) XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report. In accordance with the Fair Credit Reporting act. The List of accounts and personal information below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Items listed above, have 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 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 XXXX years. 15 U.S.C. 1681s-2 ( AN ( 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. 
Remove Following Non-Mailing Addresses listed that below : XXXX. XXXX XXXXXXXX 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 XXXXXXXX Remove Fraudulent Accounts Listed Below : XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ), XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX, XX/XX/XXXX XXXX. XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX. XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX, XXXX Remove fraudulent inquirers below : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX VIA DEALER XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX Written By : XXXX XXXX ( MY IDENTIFICATION IS ATTACHED BELOW )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: TX

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

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 2025-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Brown and Joseph, Ltd
State: MA

Complaint narrative:
Dear CFPB Team, Will you please help me? I am having significant problems with both XXXX XXXX XXXX XXXX and XXXXrown & Joseph ( https : //brownandjoseph.com/ ). For a year and a half, XXXX XXXX XXXX has been withholding XXXX XXXX XXXX XXXX XXXXXXXX payments. XXXX hired Brown & Joseph to collect the full amount that was paid to me by SSDI - Social Security Disability. I am on SSDI and uXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have not received any communications from Brown & Joseph - none. There was never any negotiations or conversations on how much money would be withheld from my payments. Only, the payments completely stopped yet XXXX has continued to send me monthly statements as if they have been paying me all along. All my direct deposits from XXXX stopped. 

Can you PLEASE help me? I have called and written Brown & Joseph multiple times over the past 8 months with no response. I have called and written to XXXX XXXX XXXX multiple times asking for a full financial summary of my account. There is no response. I did receive a call from my case XXXX at XXXX but he directed me back to Brown & Joseph stating that there is nothing XXXX can do. I am facing collections due to XXXX XXXX XXXX and treatments that my insurance is not covering. Isn't this why I paid for XXXX XXXX while working at XXXX XXXX XXXX? I am in need of these XXXX payments for food, utilities and such. 

I can not image that this is legal? It certainly is not right and just. Thank you for any support CFPB XXXX be able to offer. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: MI

Complaint narrative:
My credit report contains inaccurate and negative information, including unauthorized accounts and inquiries, employer entries, and outdated addresses. These errors violate the FCRA ( 607 ( b ), 611 ), which requires accuracy and proper reinvestigation. Despite prior disputes, they remain on my file and harm my credit standing. I request that the CFPB ensure credit bureaus and furnishers promptly remove all inaccurate items and inquiries, correct or delete erroneous personal details, and maintain only accurate, verifiable, and current information on my credit report.

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 2025-12-16 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: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
I am stressed out because this company is violating my rights under 15 U.S.C 1681s-2 ( a ), data furnishers are required to report only accurate and complete information reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
I am filing a complaint regarding Venmos refusal to reimburse unauthorized debit card transactions tied to my Venmo account, in violation of my rights under the Electronic Fund Transfer Act ( Regulation XXXX ). 

Venmo account name : XXXX XXXX Venmo XXXX : XXXX XXXX XXXX XXXXXX/XX/year> and XX/XX/year>, a total of XXXX unauthorized transactions totaling {$3300.00} were conducted using my Venmo debit card. These transactions were not initiated through the Venmo app and were not authorized by me. The funds were drawn from my Venmo balance via debit card usage. 

Venmo denied my dispute and appeal based on assumptions that I knew my account balance, that my account was accessed on a recognized device before and after the transactions, and that the transactions were consistent with prior activity. These assertions do not constitute proof of authorization. Unauthorized debit card use can occur without app access, without exceeding balance limits, and without triggering unusual login alerts. 

Venmo did not provide evidence that I personally authorized or conducted these debit card transactions. Their denial relied on inferred behavior rather than affirmative authorization, which is inconsistent with Regulation Es consumer protections for unauthorized electronic fund transfers.

I have taken appropriate security steps, including canceling my Venmo debit card and securing my account. A police report has been filed regarding these unauthorized transactions. 

I am requesting that Venmo be required to conduct a compliant investigation and provide reimbursement for the unauthorized debit card transactions in accordance with Regulation XXXX. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I applied this card to Barclays bank in XX/XX/year>. After I got the card, when I tried to use it for the first time, I found transactions always got declined. I immediately called in, and was told there's a restriction on my card due to security reason. I was requested to fax in documents including front and back of my XXXX card, front and back of my Driver 's license and utility bill. I faxed them several times because there were this and that requirement that I didn't meet. During the last XXXX rounds of faxing, they still complains that the picture of the front of my XXXX was too dark, so finally I was offered another option to fax in my Form XXXX for verification. I sent my XXXX in XXXX and call in again in XXXX to check the review status. I was told they're still not able to approve the verification, and will not accept any further attempts to verify my identity, and the account will eventually be closed. 
Here are some facts : XXXX the application was approved and I've gotten the card. XXXX. I've paid the annual fee of {$99.00} and the new card has been reported to my credit reports. XXXX. I've never used this card or its benefits successfully once. XXXX. I have a credit history and tax filing history of 10 years in the United States. XXXX. I have or had multiple credit cards with XXXX XXXX XXXX XXXX XXXXXXXX, XXXX and never had similar 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 2025-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: IN

Complaint narrative:
On XX/XX/XXXX, I attempted to send cryptocurrency to one of my wallets, but Robinhood restricted my account, preventing the transaction. Today, I received a message stating that my account has been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: MI

Complaint narrative:
I had a purchase at XXXX that I didnt receive they wouldnt give me a refund at first so I ended up dispute the transaction with my bank. They in exchange ended up sending me a new card instead of just the dispute process and the XXXX ended up refunding the money the next day to the card that was closed well most banks just automatically add it cause its the same account. Its just a new card. They add the refund to the new card. The way to go card is refusing to do that. Its my child support card. XXXX issued the refund XXXX days ago and way to go is refusing to send the refund back or whatever because its a close card or add it to the to the new card and I contacted XXXX and they are telling me its up to the bank to do it and theyve yelled at me. I have screenshots. Theyve literally deactivated the wrong card in the process. They deactivated my Social Security card on accident in the process, I mean this is just been ridiculous and again its been XXXX days and I still dont have my refund at XXXX XXXX And even if they were disputing it, they told me I had to follow through with the dispute process well its already been XXXX days XXXX business days at that I havent received anything to even go with the dispute and I know after XXXX  days Im supposed to be given a provisional credit but the thing is XXXX XXXX already refunded it. XXXX just not giving me my money and again its my child support thats XXXX time. Its been XXXX days by the time. I do get the refund now Im not even gon na be able to get my kid a XXXX gift

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: SC

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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:
My name is XXXX XXXX XXXX XXXX XXXX XXXX i borrowed {$2000.00} from my grandson to pay bills i had to pay couple days after my grandson sent it my card was stolen and money was taken out of my atm card i called the bank and told them they started a claim and then i had to borrow another {$2000.00} from my grandson and then a couple days later i received a credit so i sent my grandson back {$2000.00} and now i received that the bank finished there claim saying it was me or someone i knew that did and so they are not on my side saying your monthly activities doesn't add up please help i cant afford this i truly was taken of advantage

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 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year>, while visiting XXXX XXXX on the XXXX side, I attempted to withdraw {$200.00} from a third-party ATM. When the ATM displayed an unusually high fee, I canceled the transaction before completion and removed my card. I did not receive any cash from this ATM. Despite canceling the transaction, my account was later charged {$150.00}, which reflects the withdrawal amount after the ATMs fees. 

Approximately XXXX minutes later, I successfully withdrew {$200.00} from a different nearby ATM with a lower fee. This second transaction posted correctly as {$160.00}, reflecting the lower fee, and is not disputed. 

After returning home, I discovered my account had been charged for the first ATM transaction as though cash had been dispensed. I promptly disputed this charge with Wells Fargo. 

On XX/XX/year>, Wells Fargos ATM Claims Department issued a written denial stating that no error occurred because my account was charged the correct amount. The letter did not reference any reconciliation records, cash balancing reports, error logs, or verification that cash was actually received.

After receiving this denial, I contacted Wells Fargo by phone and requested escalation of the claim. The matter was elevated to Wells Fargos Consumer, Small & Business Banking Escalated Complaints Office. 

On XX/XX/year>, Wells Fargos Escalated Complaints Office reaffirmed the denial, stating that the ATM-owning bank provided a time-stamped transaction receipt indicating cash was dispensed. Wells Fargo confirmed that its determination relied on this documentation and that no independent verification of cash receipt or reconciliation was performed.

I am disputing the adequacy of Wells Fargos investigation and their reliance on third-party ATM transaction logs without independent verification of cash receipt or reconciliation, despite my cancellation of the transaction and the presence of a second successful ATM withdrawal shortly afterward.

I am requesting further review and a fair resolution, as I did not receive the disputed funds.

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 2025-12-16 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: WA

Complaint narrative:
Even though the balance was satisfied, my report continues to show late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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