vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX Experian, and XXXX  data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One shut down all of my accounts, and lied to me about it. 

I've been a Capital One cardholder for 6+ years, until now. 12 days ago, I swiped my XXXX XXXX card and it was declined, which has never happened before. I opened the Capital One app and saw that all my cards had been " restricted '', which I was never notified about via Email or Phone. I called Capital One, and the customer service rep told me that all I had to do was verify my identity and prove my access to the accounts. I wanted to make sure that I was doing the right thing, so I double-checked with her that this was all that was required of me. Only then was I sent an email asking me to send in those documents. Now, 12 days later, I noticed that my accounts were still restricted so I called Capital One. The supervisor on the phone told me that my accounts were closed indefinitely, and this was because I " didn't prove my income ''. Nothing about " proving my income '' was ever mentioned to me at any point until now, neither by email, in my previous call with Capital One 12 days ago, or even in the email where they requested documentation. There is ZERO mention of proving income. I told the supervisor this and she said it's too late, I will never regain access to any of my accounts and they are closed indefinitely. I was never even given the chance to prove my income once I was told that that was what was required of me. 

Throughout this entire process, Capital One never reached out to me via Email or Phone to notify me of what was happening, or give me a chance to fix it. I was always the one reaching out to them to try and fix things and understand what was happening ; they never reached out. 

Additionally, my nearly XXXX Capital One Points, which I rightfully earned, are now completely inaccessible to me. Capital One seized my accounts, never told me how to fix it, and never gave me a chance to. All of my points are now in Capital One 's hands, and they refuse to give me any compensation for them. 

As a cardholder for 6+ years, I am outraged. This can not be legal, and is completely unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Last year I made a purchase using a Wells Fargo 1 year no interest plan through XXXXXXXX XXXX XXXXXXXX. I made every single required payment for the year. I spoke to a bank agent, and we spoke about my intentions to pay the loan off in full before the due date, which I believed to be XX/XX/XXXX. My remaining loan balance was roughly {$11000.00}. I am currently a Wells Fargo customer, and i had enough money in my accounts to pay the loan off in full. So, on XX/XX/XXXX, I opened my Wells Fargo app to make the payment in full before the date of XX/XX/year>. To my surprise, I saw that my loan balance had increased by {$6100.00}. I immediately paid off the original remaining loan balance of {$11000.00}. I then immediately reached out to Wells Fargo to see if there was anything that could be done. They assured me that there was nothing that could be done because the APR had been accruing all year, and now I would be responsible for paying 28.99 % of the original loan balance. I have been a customer with Wells Fargo for 11 years and still have a Wells Fargo credit card that I pay off the full statement balance every month, no exceptions. I have a great credit score and never miss payments on any loan installments I have. I made a clerical error by reading the wrong date, and now Wells Fargo wants me to pay an additional {$6100.00} because I mistakenly paid off the amount 10 days late.

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 2025-12-01 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: PA

Complaint narrative:
am a consumer seeking to address inaccuracies and issues in my credit report. Below is the list of accounts in dispute across each bureau. I respectfully request a thorough investigation and correction of these items. 

Charged Off Accounts TXXXX 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: OH

Complaint narrative:
I used PayPal Goods & Services to pay a seller for a trading platform/service. I never received the service. The seller closed my account, blocked me, and continued taking funds from my PayPal balance. They are now sending me a fraudulent invoice for {$3000.00} via email, claiming PayPal withdrew the money, which is false. 

I filed disputes with PayPal multiple times, but they denied all of them even though the seller provided no proof of service or delivery. PayPal did not apply Buyer Protection correctly. I am requesting CFPB assistance to reopen my disputes and refund all transactions that were improperly denied. 

I want PayPal to reopen and fully review all my denied Goods & Services disputes, including the transactions associated with the draft King refund. I request PayPal to properly apply Buyer Protection and refund all transactions that were improperly denied, as the sellers never provided proof of service, delivery, or access. I expect full reimbursement for all lost funds due to these unauthorized or fraudulent transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: IL

Complaint narrative:
This account does not belong to me and is being reported inaccurately.

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 2025-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I legit can't transfer money at all it doesn't go through and it says there's nothing on they're end yet they say something is pending but it doesn't show and I can't use XXXX at all to send money as if I don't know the person IRL and I've told them this multiple times and they won't allow me to send the payment I've been in the phone everyday since opening the account and I haven't been able to use my money at all

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am filing a complaint against my loan servicer, XXXX, for inaccurately reporting multiple late payments on my credit report. 

I was repeatedly told by loan officers at XXXX that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. 

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with XXXX, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

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 2025-12-01 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:
Violation of FCRA 1681e ( b ) Failure to Ensure Maximum Possible Accuracy Credit reporting agencies must ensure the information they report is complete and accurate.

The reporting of a wrong address and a name that is not mine clearly violates this requirement.

2. Violation of FCRA 1681i ( a ) Failure to Conduct a Reasonable Reinvestigation After disputing the inaccuracies, the credit bureau is required to conduct a reasonable reinvestigation within 30 days.

The incorrect address/name remains, demonstrating failure to investigate or correct the errors.

3. Violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ) Furnishers Must Not Report Information They Know Is Inaccurate XXXX is reporting incorrect personal identifying information, which they should reasonably know is inaccurate or unverifiable.

4. Violation of FCRA 1681s-2 ( b ) Failure to Properly Investigate After Notice of Dispute Once notified of my dispute by the credit bureau XXXX XXXX was legally required to : Investigate Review all relevant information Correct or delete inaccurate or unverifiable information They have not done so. 
XXXX. Possible FCRA 605 ( a ) Violation Reporting Unverifiable or Incorrect Information Information that can not be verified must be deleted, not continually reported.

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 2025-12-01 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: TX

Complaint narrative:
Violation of FCRA 1681e ( b ) Failure to Ensure Maximum Possible Accuracy Credit reporting agencies must ensure the information they report is complete and accurate.

The reporting of a wrong address and a name that is not mine clearly violates this requirement.

2. Violation of FCRA 1681i ( a ) Failure to Conduct a Reasonable Reinvestigation After disputing the inaccuracies, the credit bureau is required to conduct a reasonable reinvestigation within 30 days.

The incorrect address/name remains, demonstrating failure to investigate or correct the errors.

3. Violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ) Furnishers Must Not Report Information They Know Is Inaccurate XXXX is reporting incorrect personal identifying information, which they should reasonably know is inaccurate or unverifiable.

4. Violation of FCRA 1681s-2 ( b ) Failure to Properly Investigate After Notice of Dispute Once notified of my dispute by the credit bureau XXXX XXXX was legally required to : Investigate Review all relevant information Correct or delete inaccurate or unverifiable information They have not done so. 
XXXX. Possible FCRA 605 ( a ) Violation Reporting Unverifiable or Incorrect Information Information that can not be verified must be deleted, not continually reported.

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 2025-12-01 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: WA

Complaint narrative:
I am writing to dispute the following accounts on my credit report. The accounts listed below are inaccurately reported and need to be corrected according to the Fair Credit Reporting Act ( FCRA ). Below is the breakdown of the disputed accounts separated by credit bureau. 

Charged Off : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am submitting a complaint regarding Wells Fargo Bank for failing to post a government benefits ACH credit that the State of Florida Department of Economic Opportunity ( DEO ) confirmed was sent on XX/XX/year> in the amount of {$550.00}. 

The State provided a payment ID ( XXXX ) and confirmed the payment was issued and the disbursement file was transmitted. As of XX/XX/year>, the funds have not been credited to my Wells Fargo account. 

I contacted Wells Fargo multiple times by phone and in person at the branch. The branch manager, XXXX, and other employees stated they can not locate the deposit. However, the State confirmed the payment was successfully issued, which indicates the funds were sent to Wells Fargo but not posted to my account. 

Because of this delay, I incurred {$70.00} in overdraft fees and additional charges due to transactions attempting to clear based on deposits that historically post the next day. My benefits payments from this same agency have always posted the day after issuance. 

Wells Fargo informed me that a research request would take 10 days, and the branch manager stated he had never heard of an ACH trace, which raises concerns about whether Wells Fargo followed proper procedures for locating an unposted ACH credit. 

I am requesting the CFPBs assistance with the following : 1. Locating and posting the missing ACH credit 2. Reversal of the overdraft fees and any related charges 3. A full explanation of why the deposit was not posted 4. Review of whether Wells Fargo followed proper procedures for ACH investigations 5. Confirmation that government benefit payments are not being improperly delayed or withheld This delay has caused significant financial harm, especially because the missing deposit is a government benefits payment. I am requesting the CFPB investigate whether Wells Fargos actions constitute an unfair, deceptive, or abusive act or practice under 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 monetary relief
Consumer complaint received 2025-12-01 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: TX

Complaint narrative:
I am writing to formally dispute fraudulent information listed on my credit report, pursuant to my rights under 15 U.S.C. 1681c-2, and to request the immediate block and removal of this information. For evidence, I have attached a copy of my FTC Identity Theft Report ( FTC Report Number : XXXX ). 
As stipulated by 15 U.S.C. 1681c-2, upon the filing of an identity theft report, consumer reporting agencies are required to block any information identified by the consumer as stemming from the theft within four ( 4 ) business days.

The following items on my report are a direct result of identity theft and must be blocked : XXXX XXXX - XXXX In compliance with 15 U.S.C. 1681c-2, I respectfully request that these accounts be immediately frozen on my credit report. This block must remain in effect for a period of no less than XXXX year, subject to extension, and during this time, no information related to these fraudulent accounts may be reported.

I have previously contacted the bureau on multiple occasions regarding these accounts, yet the matter remains unresolved. The continued presence of these inaccurate items is causing significant personal and financial hardship by obstructing my ability to secure financing for a home and other essential financial tools. Furthermore, these specific accounts have already been removed by other major credit bureaus after failing verification, which underscores the inaccuracy of their reporting. 
In accordance with my rights, I also requested verification documents and contract copies from the furnishing companies for these accounts. After the legally permissible period has elapsed ( over 60 days ), I have received no response. Given the lack of verification and their fraudulent nature, I respectfully urge you to facilitate the immediate and permanent removal of these accounts from my credit file.

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 2025-12-01 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: FL

Complaint narrative:
I am writing this letter as a final form of communication with proof provided from the original creditor regarding an alleged debt reporting from XXXXXXXX XXXX. This debt has a reporting balance of {$1100.00} and is reporting as a collection. 

As you are able to see, I have disputed this debt on several occasions and as of recently, on the grounds of falsification and inaccuracy. I was recommended by Equifax to reach out to the original creditor regarding the debt to see if there was any further information they could provide to help my dispute since XXXX continues to verify the debt based on them getting their information from the creditor. This is a medical debt that was a product of a hospital visit in XXXX of XXXX. 

At the time of my visit, the hospital WAS and XXXX XXXX XXXX XXXX XXXX. This can be validated by the original itemization invoice that I provided in my last dispute. Prior to this, the hospital was owned by a company known as XXXX XXXX. XXXX XXXX completed their acquisition of XXXX XXXX network in XX/XX/XXXX, which was eight months prior to my visit. I find it very interesting that the two documents that XXXX is using as validation of the debt, are coming from XXXX XXXX and not XXXX XXXX XXXX. You can see this at the top of all of their documents. After reaching out to the hospital 's accounts department, they informed me that they had NEVER sent my information to a debt collector and that I had an account balance of XXXX. This is because as a not for profit hospital, XXXX XXXX made a charity care adjustment on my remaining balance, meaning that the amount being reported by XXXX per XXXX XXXX, is falsified, unjustified and ultimately inaccurate as I have been stating! 

Because there is no balance and because I do not owe a company that was no longer in ownership of the hospital upon my visitation, there is no reason why this debt should continue reporting. Because I signed an agreement with XXXX  and not XXXX XXXX, there is no reason why XXXX should be sending my information to a debt collector to collect money for services that they never provided, for amounts that I never knew of. There is also no reason why a company that allegedly went bankrupt should be trying to profit from my medical information! 

Attached will be the letter received from XXXX confirming the amount balance of XXXX. Since it is a FDCPA violation for collectors to report settled or paid debts as unpaid, I am requesting this collection to be DELETED and cease its reporting from ALL credit bureaus immediately. May you be as prompt to delete this debt as you all were in reporting it and tarnishing my credit score and profiles.

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 2025-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I paid my original debt with XXXX XXXX credit card through a settlement agreement. The total debt was {$1500.00}. XXXX XXXX accepted a settlement payment of {$780.00}, which was completed on XX/XX/year>. 
Despite this settlement, XXXX XXXX sold the remaining balance of {$910.00} to Cavalry Portfolio Services. I have sent XXXX a copy of my settlement letter and proof of payment, and I have filed disputes with all three credit bureaus. However, Cavalry continues to claim the debt is valid and refuses to remove the collection from my credit report.

Company response to consumer: Closed with explanation