vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Since the start of the loan, Wells Fargo has sent my sensitive and personal mail to an address where I do not reside numerous times. I have spoken to them many times, informing them that they are sending this information to an incorrect address, and so has that other homeowner. I was told this would be fixed, but it just happened last week. My wife, who is on the loan, has had identity theft issues, and by Wells Fargo sending our information to at least one known incorrect address, we worry that this may be getting sent to other residences that could be stealing our information for ill intent.

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 2025-09-04 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: OH

Complaint narrative:
I am submitting this statement in reference to multiple derogatory accounts that appear on my credit report. I respectfully request a thorough investigation and verification of these accounts under the Fair Credit Reporting Act ( FCRA ).

I believe that the following accounts are inaccurate, outdated, or reported in error. These derogatory entries are negatively impacting my creditworthiness, and I have reason to believe that some or all may not be reporting in compliance with federal regulations. The details of the accounts in question are 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: MI

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 non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

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
Consumer complaint received 2025-09-04 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 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. 

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-09-04 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I contacted Portfolio Recovery Associate XX/XX/year> XX/XX/year> XX/XX/year> wanting to inquire about the status and/or updates to submitting the " vacate of judgment '' to the County Clerk of Courts for removal of judgment, due to findings of identity theft that were validated within their files on/or about XX/XX/year>. The nature of the request and follow-up is to ensure a timely mortgage refinancing of my home to secure the current mortgage locked-in rates and account satisfaction. As of today, XX/XX/year>, I was told that this matter has been escalated and reviewed by management to ensure this process of the request is viewed by their backend department within XXXX business hours. Again, I stressed the importance of resolving this matter as soon as possible, as my refinance lock-in rate is secured until XX/XX/year>. This matter is placing me at high risk of losing my current refinance lock-in rate, potentially resulting in an additional credit inquiry and the cost of refinance loan options. I am very concerned that this matter was not resolved when confirmed and validated on/or before XX/XX/year>, to prevent the delay and stress I am experiencing now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
This is a new complaint connected to my prior CFPB complaint # XXXX. I am filing again because Capital One has made contradictory statements to the CFPB, misrepresented the status of my funds, and continues to unlawfully seize money from my accounts. 

On XX/XX/year>, Capital One responded to the CFPB that funds held in excess of legal order released. ( See attached letter ). 

On XX/XX/year>, Capital One sent another response ( CFPB ID XXXX ) stating that funds are still being held and can not be released until the NC Department XXXX XXXX provides a release or turnover addressed to Capital One. ( See attached letter ). 

On XX/XX/year>, I spoke with XXXX, a Capital One XXXX ( ID XXXX ), who confirmed that : 1. The excess funds have not been released, despite their XX/XX/XXXX statement to CFPB. 


2. Capital One will continue to seize any new deposits I make, even though the original NC garnishment order has already been satisfied in full. 




This is clear evidence of : Misrepresentation to the CFPB ( false statement that funds were released ). 

Ongoing unauthorized seizures in violation of the garnishment order and consumer protection laws. 

Financial harm, as the unlawful hold has caused returned payments, fees, and hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CT

Complaint narrative:
This all started in XXXX when my boyfriend got arrested and had my cash app card with him when he went to jail I never used XXXX XXXX  and whoever had gotten a hold of my cash app name started taking money out of my account. It ended up being a total of over {$7000.00}. On XX/XX/XXXX because I had never noticed anything being taken out of my account. I was never notified red flagged. No one ever contacted me from chime. I went to go take money out of my account to pay my security deposit and noticed everything was completely gone when my debit card was telling me at the ATM. The withdraw amount was not able to complete the transaction. I contacted chime. I did a dispute with chime and cash app. Both denied the dispute stating that there was no error that occurred even though I did not make those transactions because again I dont use them let alone even know who the money even went to so there was nothing that I could do in regards to that I signed up with DraftKings XXXX XXXX XX/XX/XXXX and only deposited {$10.00} and XXXX. I stopped it at that I would login just to get the daily quest spins and get crowns to be able to play games for free so I would not have to deposit any money. I won {$11000.00}. I went to go pay my rent for a couple of months XX/XX/XXXX when I win the money XX/XX/XXXX I went to go pay my rent for the remainder of the year and my card was declined. I go and look at my account. Everything was completely gone. There was transactions from XXXX XXXX casino in increments of XXXX XXXX {$100.00}. I contacted DraftKings and stated what had happened that I was not the one making those transactions as I worked XXXX to XXXX that day, I went home to sleep and came back to work for XXXX to XXXX. They told me with their investigation that my account was not hacked even though it clearly was so they told me to contact the police or my bank. I contacted my bank and did a dispute with them chime just denied my dispute XX/XX/XXXX and XX/XX/XXXX and told me that no air had occurred. I told them I am sick and tired of them taking money out of my account not notifying me red flagging it or nothing. I do not feel that my money is safe and secure and I wanted to speak with the supervisor I got told no I am not going to transfer you by a representative and they can not let me speak to anyone in the investigative department because they only communicate with the email and it was all internal I asked for the documentation on why my dispute got denied. I was told I would receive it after XXXX business days. I am very upset with this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
To Whom It May Concern, I am responding to your claim that I owe a debt. This letter is being sent in response to your communication added to my credit report with a balance of {$570.00}. This is showing as a collection. I am requesting that you provide validation of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ).

Specifically, please provide the following : 1. The name and address of the original creditor.

2. The amount of the alleged debt, including an itemized breakdown of fees, interest, and payments applied.

3. Documentation proving that I am legally obligated to pay this debt.

4. A copy of the agreement that shows I agreed to assume this debt.

5. Proof that your agency has the legal right to collect on this debt in my state.

Please be advised that until you provide the requested validation, you must cease all collection activity, including reporting this debt to any credit bureau, as required by the FDCPA. 

If you fail to provide proper validation, or if you continue collection efforts without doing so, I will consider this matter closed and will file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and my State Attorney Generals office. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central Portfolio Control Inc.
State: NC

Complaint narrative:
To Whom It May Concern, I am responding to your claim that I owe a debt. This letter is being sent in response to your communication added to my credit report with a balance of {$640.00}. This is showing as a collection. I am requesting that you provide validation of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ).

Specifically, please provide the following : 1. The name and address of the original creditor.

2. The amount of the alleged debt, including an itemized breakdown of fees, interest, and payments applied.

3. Documentation proving that I am legally obligated to pay this debt.

4. A copy of the agreement that shows I agreed to assume this debt.

5. Proof that your agency has the legal right to collect on this debt in my state.

Please be advised that until you provide the requested validation, you must cease all collection activity, including reporting this debt to any credit bureau, as required by the FDCPA.

If you fail to provide proper validation, or if you continue collection efforts without doing so, I will consider this matter closed and will file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and my State Attorney Generals office. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: IL

Complaint narrative:
in XX/XX/year> i recieved a credit alert showing i was over limit on a credit card that has been open for 6 months. when i looked at my credit report i realized its a card that i dont have. i do not have a XXXX  credit card, and i gave no one permission to open one in my name. XXXX  links this account with an account that i had years ago. the email attached and physical address are not mine. so being that someone used my name and personal information to obtain this account

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 2025-09-04 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:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-09-04 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: Nationwide Capital Services, LLC
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Date : XX/XX/XXXX Nationwide Capital Services Inc XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OK XXXXUnited States Subject : Cease and Desist Notice Pursuant to 15 U.S. Code 1692c ( c ) To Whom It May Concern : I am formally requesting that you cease all communication with me in relation to the alleged debt associated with : Creditor Name : Nationwide Capital Services Inc Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Under 15 U.S. Code 1692c ( c ) of the Fair Debt Collection Practices Act, once a consumer notifies a debt collector in writing that they refuse to pay a debt or that they wish the debt collector to cease further communication, the collector must immediately stop all further contact except to : 1. Advise that further efforts are being terminated ; 2. Notify me that certain specific remedies may be invoked ; or 3. Notify me that the debt collector intends to invoke a specific remedy.

As of the date of this letter, you are to cease all written, verbal, or electronic communication with me, including any calls to my residence, place of employment, or through third parties. If you continue to contact me after receiving this notice, it will constitute a direct violation of the Fair Debt Collection Practices Act and I will not hesitate to report such actions to the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX ( XXXX  ), and my state Attorney Generals office.

Additionally, if this alleged debt is being reported to any of the credit bureaus ( XXXX, XXXX, or XXXX  ), I demand immediate deletion or investigation under 15 U.S. Code 1681i of the Fair Credit Reporting Act ( FCRA ), as the account is disputed.

This letter serves as legal notice. Please govern yourselves accordingly. 

Sincerely, XXXX XXXX DOB : XX/XX/XXXX SSN : 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 2025-09-04 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Comerica
State: FL

Complaint narrative:
Ive been unsuccessfully for the last 3 days calling & emailing & waiting for over 2 hours on hold to speak to representatives regarding this issue. They ask for copy of my drivers license, state its expired. Send update one, they say that one is invalid & they need 2 additional pieces of ID & a copy of my SSN card prior to investigating the issue. That seems excessive & laborious what they are requesting to service my account. I ask if they can simply return the funds to Social Security & Ill go in the morning & validate in person my identity & have funds transferred to another bank. They said no thats not possible. So they are holding my deposit funds even though I no longer want them to service my account??? That seems predatory

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I am concerned that my federal student loan data may have been improperly accessed or shared without my consent. Recent reports confirm that sensitive student loan borrower information was given access to the Department of Government Efficiency ( DOGE ), led by XXXX XXXX, under the Trump administration. I did not authorize this and I am concerned my personal information could have been exposed or misused. 

I did not apply for or consent to any new student loans outside of my original accounts, and I want to ensure that no fraudulent debt is attributed to me. I am requesting confirmation that my records remain accurate and that any unauthorized activity is removed from my loan and credit files.

Company response to consumer: Closed with explanation