vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to formally dispute the reporting of a bankruptcy in your data files associated with my name, XXXX XXXX. I recently obtained copies of my credit reports from TransUnion, XXXX, and Experian, and each of them reflects a bankruptcy allegedly furnished by XXXX. This information is false, damaging, and must be addressed immediately. 
On XX/XX/year>, I contacted your office directly and was assured that no bankruptcy is listed in your records under my name. This verbal confirmation directly contradicts the data being reported by the credit bureaus, which cite XXXX as the source of the bankruptcy information. I have retained screenshots of these credit reports clearly showing the bankruptcy entry and its attribution to XXXX. 
Furthermore, I possess a letter from the United States Bankruptcy XXXX, District of Nevada ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX ), which confirms that the court does not report bankruptcy filings to credit bureaus or credit reporting agencies, nor does it validate or verify such information. This letter reinforces that any bankruptcy data appearing on my credit report must have originated from a third-party data aggregatornamely, XXXX not from any official government source. 
Legal Grounds for My Dispute Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681e ( b ), XXXX a consumer reporting agencyis legally obligated to follow reasonable procedures to assure maximum possible accuracy of the information it furnishes. Reporting a bankruptcy that does not exist in your records and can not be verified by the court violates this statutory duty. 
Additionally, under FCRA 1681i ( a ), I am entitled to dispute any inaccurate information in your files and demand a reinvestigation. You are required to : Conduct a reasonable reinvestigation within 30 days Provide written results of the investigation Delete or correct any inaccurate, unverifiable, or outdated information Notify all credit bureaus to which you furnished the disputed data

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 2025-10-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
I have been a half time student. Since XX/XX/year>. I believe I should qualify for my loans to be deferred currently. This should have been automatically done, as my student status was expediently reported on studentaid.gov, but it appears my loans have not been placed into deferment.

Company response to consumer: In progress
Consumer complaint received 2025-10-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I paid XXXX {$940.00} toward my credit card ending XXXX using Wells Fargo Online. I have been paying my bills this way for more than 20 years withoug issue. 
However, I subsequently received multiple letters from XXXX claiming that my payment was not received and charging my late fees. When I contacted XXXX, they confirmed that they had not received the payment. To prevent further late fee, I paid the same amount a second time ( {$940.00} ) directly to XXXX and filed the dispute with XXXX claim and received the response from XXXX on XX/XX/XXXX ( copies of these notices enclosed by required ). 
I then contacted Wells Fargo. Their agent confirmed that the check had been processed and provided me with the proof of the cashed check ( copy of this proof will be provided as further requested ). Despited this, they advised me to file the claim online ( claim received by Wells Fargo on XX/XX/XXXX with case # XXXX ) and on XX/XX/XXXX I received the denied response from Wells Fargo stating that the check had cleared and that I should contact XXXX. 
When I contacted XXXX again, I was told that Wells Fargo had sent the check to the wrong address, leaving XXXX unable to track it. XXXX refused responsibility and referred me back to Wells Fargo. Wells Fargo maintained that my claim was denined and closed and could not be reopened, I have since contacted both bank multiple times, each time going through lengthly verification and being transferred between departments, but neither institution would take responsibility for resolving this matter. 
I am XXXX XXXX XXXX, and {$940.00} is a significant amount for me and my family. I have been a loyal customer of both banks for most of my life, and I am deeply disappointed that this issue remains unresolved. 
At this point, I am formally request immediate assistance from the CFPB resolving this dispute and ensuring that either Wells Fargo or XXXX takes responsibility for the misdirected funds. 
I would sincerely appreciated your intervention this matter. Thank you for your time and assisstance. 
Sincerely, 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 2025-10-02 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: EQUIFAX, INC.
State: PR

Complaint narrative:
I am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: CA

Complaint narrative:
I am in no way associated with these accounts ; remove them within 15 days per USC 1681g.

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 2025-10-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/year> Transunion XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, These accounts and inquires are fraudulent and directly tied to the XX/XX/year> transunion data breach. I have no knowledge of these accounts and I request removal. Im inserting my rights under the federal law and I demand immediate removal and blocking these accounts off of my report. I am writing to formally dispute and request the blocking of certain fraudulent information on my credit report under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, which pertains to identity theft. The item ( s ) listed below do not belong to me and are the result of identity theft : 1. XXXX XXXX XXXX XXXX XXXXXXXX. In accordance with 15 U.S.C. 1681c-2 ( a ), I am providing the following documentation to support my request : 1. Proof of identity ( copy of government-issued ID and a utility bill/bank statement showing my current address ) 2. A copy of a police report or an identity theft report filed with a law enforcement agency 3. A statement identifying the fraudulent information on my credit file As required by law, you are obligated to block the reporting of this information within 4 business days of receiving this request and required documentation. You are also prohibited from reselling or re-reporting this information unless it is proven to be accurate. Please confirm in writing once the item ( s ) have been blocked and removed from my credit report. If you need any further information from me to complete this request, do not hesitate to contact me at the phone number or email address provided above. Thank you for your prompt attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-10-02 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: NY

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least XXXX days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ 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 2025-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: OH

Complaint narrative:
Urgent : Unjust Account Hold Is Putting Me at Risk of XXXX Dear U.S. Bank, I am writing to demand immediate action regarding the ongoing and unjustified hold placed on my account. I have verified my identity multiple times through your requested procedures, yet my access to essential funds remains blocked without adequate explanation or resolution. 

I am XXXX veteran and physically unable to visit a branch in person, which I have already communicated. Additionally, I live in a rural area, and during a recent attempt to complete customer authentication by phone, the call was disconnected due to poor signal caused by my remote location and surrounding woods. This situation is completely outside my control, and I should not be penalized for it. 

Right now, I am being denied access to my own money, and I am dangerously close to losing housing and becoming homeless as a result. This is causing extreme emotional and financial stress. I have complied with every request for identification. Continuing to withhold access to my account is not only unethical, but potentially discriminatory and unlawful, given my XXXX and the failure to provide reasonable accommodations. 

I demand the following actions without further delay : XXXX. Immediate removal of the hold on my account. 


XXXX. A written explanation for why this hold exists and why it has not been resolved. 


XXXX. A commitment to work with me in a way that respects my XXXX, location, and limited means of communication in full compliance with the XXXX and consumer protection laws.

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 2025-10-02 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: MI

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-10-02 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:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within XXXX  days. Supporting documents are attached.

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 2025-10-02 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:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within XXXX  days. Supporting documents are attached.

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 2025-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
I am submitting this rebuttal to Acima Leasings response to my complaint ( XXXX ) Acima continues to misrepresent my experience and has failed to provide actual evidence that I knowingly and validly signed their rental-purchase agreement. 
1. No Valid Signature or Consent Acima claims I electronically signed on XX/XX/2025. However, I never reviewed or signed the agreement. Simply attaching my phone number to their records does not constitute proof that I knowingly consented. Under the ESIGN Act, electronic signatures are only valid if consumers are clearly presented with disclosures and affirmatively consent. That did not occur in my case. 
2. Contradictory Statement on Signature Validity Acima claims I did sign electronically, yet in the same response they say they must confirm the validity of the signature. If Acima had genuine, verifiable proof of my consent, there would be no need for them to confirm anything. This contradiction undermines their claim and suggests they can not actually prove the signature is valid. 
3. Failure to Provide Proof Acima has not produced verifiable proof of my alleged electronic signature ( such as IP address logs, screenshots of the signature process, or acknowledgment of disclosure acceptance ). A simple timestamp and phone number reference does not meet the burden of proof. 
4. Failure to Disclose Material Terms At no time during my transaction with XXXX XXXX or Acima was I made aware of the Early Purchase Options, particularly that missing a 90-day deadline would more than double the cost. This lack of disclosure is deceptive and predatory. 
5. Potential Fraud / Identity Misuse If another individual such as a store representative completed the electronic signature process without my knowledge, this constitutes unauthorized use of my identity. The fact that Acima can not provide verifiable proof raises serious concerns of potential fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Starmark Financial LLC
State: TX

Complaint narrative:
Ive received numerous phone calls and emails from the collection company. Ive requested support showing the debt is owed to them and i have received nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Hello, Im writing to file a complaint regarding conflicting information I received about the release of funds from a mobile check deposit. 
On XX/XX/XXXX, a XXXX XXXX representative informed me that the remaining funds from my deposit would be available on XX/XX/XXXX, as that would be the XXXX business day. Based on that assurance, I planned my finances around having access to those funds today. 
However, on XX/XX/XXXX, when I reached out again, I was told by another representative that the release date is actually XX/XX/XXXX. I have attached a screenshot of the chat where I was first told the funds would be available on XX/XX/XXXX, and the follow-up conversation confirming that information was incorrect. 
While I understand XXXX XXXX funds availability policy, being provided with inaccurate information by your staff has caused me unnecessary stress and inconvenience. I would like this situation reviewed, and I request that XXXX XXXX take steps to ensure members are given accurate and consistent information going forward. 
I would also appreciate consideration of a goodwill adjustment, given that I relied on the incorrect information provided in writing. 
Thank you for your time and assistance. 
Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: CA

Complaint narrative:
Remove all accounts unlinked to me within XXXX days, in line with 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 non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their 360 high yield interest savings accounts.Capital One misrepresented the 360 Savings account as having one of the nations highest interest rates. Yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. The deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many breachings the Consumer Financial Protection Act and the truth in Savings Act. I seek redress for misleading practices and failure to fulfill their advertised promisea

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: CT

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

1681c2 ) that you, the Equifax 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 : 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 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 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, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am filing a complaint because I committed a crime XXXX of XXXX and was sitting in XXXX XXXX jail until I got sentenced to Dept of correction time XXXX of XXXX. During my incarceration someone was using my personal information to open up different credit accounts and I do not have any knowledge of whom it might been. I have recently applied for credit and was denied with several banks due to accounts being charged off and the dates opened are during my incarceration. I have tried to work directly with the banks but due to the accounts being so old I am having issues hearing back from them. I called all the major banks and found that Citibank was XXXX of the banks used to open these accounts. My social is XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation