vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-24 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
b'I requested debt validation according to 15 USC 1692 C and never got one.'

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 2025-05-24 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: Regional Management Corporation
State: GA

Complaint narrative:
XXXX requested debt validation according to 15 USC 1692 C and never got one.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX XXXX  XXXX - XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

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 2025-05-24 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: IA

Complaint narrative:
I had an account with XXXX XXXX that was included in a bankruptcy petition in XXXX of XXXX, and subsequently discharged in XXXX of XXXX. During the automatic stay XXXX continued to report the account wit a balance, and after discharge XXXX  is reporting a 30 day late payment on the account occurring in XXXX of XXXX. 

The account was discharged, and reporting any payment activity of any type - and specifically a " late payment '' on an account AFTER it was discharged in bankruptcy is a violation of the bankruptcy injunction. I would like the credit line corrected to reflect no payment history during and after the bankruptcy discharge, a balance of XXXX, and that the account was included in my bankruptcy- or the trade line deleted entirely.

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 2025-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: TomoCredit Inc.
State: IL

Complaint narrative:
I canceled my TomoBoost subscription on XX/XX/year>, but the company has continued to charge my account XXXX XXXX  monthly without authorization. I have contacted their support multiple times via email, requesting cancellation and a refund, but have received no response. I am seeking a full refund of the unauthorized charges and confirmation that my subscription has been canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: IA

Complaint narrative:
I opened a savings account with Marcus by Goldman Sachs and deposited funds successfully. Later, my account was temporarily locked after I accidentally entered the wrong password few times. I contacted Marcus support multiple times by phone, and they told me they would send me an Affidavit of Identity form ( AOI ) to verify my identity and unlock the account. However, I have not received the AOI despite repeated follow-ups over the past few weeks. This delay has prevented me from accessing my own account and funds. I need help resolving this issue and regaining access. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
I got an alert on my credit report that on XXXX XXXX  and XXXX XXXX  XXXXXXXX XXXX XXXX ran my credit for a new credit card I did not apply for or give permission for them to run my credit report for a new credit card it was not me. Then on XXXX XXXX XXXX XXXX XXXX  ran my credit for applying for a credit card again it was not me I did not apply for a credit card. I did not give them permission or sign anything to apply for a credit card. I called both companies and they both said that I needed to report the unwanted and unauthorized use of my information to CFPB to help get this resolved. These were marked as hard inquiries on my credit report hurting my score and were all for credit cards. Please help get these off my credit report and help me get my credit frozen or whatever I need to do so nobody can apply for more.

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 2025-05-24 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agenc

y can not furnish a 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 seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting ag
ency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-24 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: NC

Complaint narrative:
I am submitting this complaint regarding Experian 's continued reporting of inaccurate and unverifiable information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 

The account in question is listed as a charge-off, yet contains multiple inconsistencies : No original creditor is listed, making it impossible to verify the legitimacy of the debt. 
The account was opened in XX/XX/XXXX, yet marked as charged off by XX/XX/XXXX, which is an unusually short period and raises questions about the validity of the charge-off. 
The balance of {$930.00} and charge-off amount of {$1000.00} do not align with the credit limit of {$700.00}, indicating a reporting error or post-closure activity that has not been clearly explained. 
The credit usage is reported at 134 %, which is misleading and appears to be calculated based on an inflated or erroneous balance. 
Status and balance update dates conflict, with XXXX marked as XX/XX/XXXX and the other as XX/XX/XXXX. 
I have submitted a formal dispute to Experian, But i respectfully request that the CFPB investigate this matter and require Experian to either verify the information with documentation or remove the account from my report entirely.

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 2025-05-24 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: ID

Complaint narrative:
Formal Complaint Regarding Negligence by Capital One Enabling Check Fraud To Whom It May Concern, I am filing this complaint to report a serious issue involving Capital One Bank and a fraudulent check deposit that directly affected my business. 

In XX/XX/year>, my businessXXXX XXXX based in XXXX XXXX, XXXX expecting a check payment from a client, XXXX XXXX. The check, made out to XXXX XXXX, never arrived. After weeks of follow-up, I discovered that the check had been stolen, and someone had forged my signature and mobile-deposited the check into their personal Capital One bank account. 

Despite the fact that : The name on the check did not match the account holders, The signature was obviously forged, The check was made out to a registered business ( XXXX XXXX XXXX not an individual, Capital One allowed the deposit and cleared the funds without properly verifying the endorsement. 

Eventually, after I discovered the fraud and worked with the original issuer, the funds were recovered from the fraudsters account. However, I find it deeply troubling that : 1. Capital Ones internal controls were so lax that this could occur at all, 2. The person who committed the fraud has seemingly faced no consequences, 3. I, as a small business owner, was forced to resolve this issue myself, without any outreach or support from Capital One.

I believe this situation demonstrates a clear failure of internal controls and due diligence by Capital One in accordance with applicable banking standards and potentially a violation of the Uniform Commercial Code ( UCC ) 3-406 and 4-401 regarding forged endorsements and bank liability.

I am requesting a formal investigation into : Capital Ones endorsement verification and mobile deposit procedures, How a check made out to a business could be deposited by an unrelated third party, What enforcement or corrective actions, if any, have been taken against the fraudster.

This incident caused unnecessary disruption and stress to my operations, and it raises serious concerns about how Capital One handles fraud and protects non-customers impacted by its account holders actions.

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXXXXXX XXXX XXXXXXXX - XXXX List of Unauthorized Inquiries : XXXX  - XXXX 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 a 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 seven years.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-24 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I made a payment of {$840.00} on XX/XX/year>2025, which fully cleared my bank account and is marked as Paid in my credit card account. Despite this, my available credit has not updated and is still showing a low amount, even though my current balance is only {$52.00} and my credit limit is {$1000.00}. 

This is not the first time Ive made a large payment I made a similar payment of {$850.00} earlier this month, and that payment updated my available credit almost immediately. This delay is inconsistent and is preventing me from using my card, even though Ive paid responsibly. 

Additionally, the card issuer has no email or weekend support, so Im unable to get any assistance until after the long weekend. This is unacceptable given that my funds have already cleared. I would like this issue resolved and my full available credit reinstated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: VA

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: MD

Complaint narrative:
There are fraudulent accounts on my credit report tied to identity theft. I never authorized these transactions and havent benefited from them in any way. I took the proper steps and filed a report with the FTC, but despite that, the items are still there. Its unacceptable that Im being held responsible for someone elses actions. This has been frustrating and damaging to my financial standing.

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 2025-05-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
My XXXX credit card has a due date of XX/XX/year>. Had a balance of XXXX. This has happened to me the last two months. Synchrony Bank forces you to use their app because thats where statements are placed if not you have to pay a fee. XX/XX/XXXX I made a payment on the Synchrony Bank app in the amount of {$50.00}. The app says thank you for your payment and a green check mark and then goes brings up an error code. Since I have to wait 48 hours for the payment to go through by that time its considered late. I check it doesnt go through I pay it. On XXXX XX/XX/year> I go to pay the final balance amount of XXXX. I pay it the app does the same thing. You can not make more than one scheduled payment on the app per day. On XX/XX/year> I see the payment did not go through so I call to waive the late fee because I am paying the remaining balance. Call Synchrony and they tell me they cant waive the {$30.00} late fee. I explained to them that is completely ridiculous because they force you to use the app to make payments. I explained to them what the app is doing and that Im paying the balance off. Still wont waive late fee. This is completely insane as it its a error on their part. Credit Card companies are crooks simple as that

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 2025-05-24 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( s ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
Carrington Mortgage Filed a foreclosure Complaint on XXXXXX/XX/XXXX, and a default date XX/XX/XXXX, in XXXX XXXX Florida, Case No.XXXX, Carrington Mortgage bought the property for a {$100.00} on XX/XX/XXXX. Publish my name as someone who doesn't pay bills, list my debt for sale to the public, add fees and interest that weren't allowed by the original agreement.This civil lawsuit is barred by the Statue of Limitation, See Florida Statue 95.11 ( 2 ) ( c ), i filed a lawsuit in the Middle District of XXXX Florida on XX/XX/XXXX, for an unlawful foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
To Whom It May Concern, I am formally disputing the alleged debt midland credit Management that has reported to my credit report file the same debt XXXX  Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. XXXXg, I am requesting full validation of this debt, as I have never entered into any contractual agreement with the alleged creditor that would obligate me to this debt. 
Furthermore, it has come to my attention that the alleged creditor engages in securitization practices, meaning this debt may have been bundled, sold, or otherwise transferred to third parties, voiding any original obligation. If this is the case, I demand a full disclosure of all transactions related to this alleged account, including the sale, securitization, and any profits generated from it. 
To validate this alleged debt, I require the following documentation : Proof of Ownership A signed contract between myself and the original creditor proving that I agreed to this debt under the terms you are attempting to collect. Without my explicit consent, no debt obligation exists. 
Chain of Title & Assignment Full documentation proving the lawful transfer of this alleged debt from the original creditor to your agency, including the purchase agreement, bill of sale, and all assignments. This must include a flow agreement and transfer of title proving your standing to collect. 
Original Creditor Agreement A complete copy of the original contract, including the terms and conditions that apply to this alleged debt. If the original agreement contains an arbitration clause, then the proper venue for dispute resolution is arbitrationnot third-party debt collection. 
Full Accounting Records A detailed, itemized breakdown of the alleged debt, including principal, interest, fees, and all transactions associated with this account.

Proof of Lawful Collection Authority Evidence that your company is legally licensed to collect debts in my state and that my private information was lawfully transferred to your agency under 15 U.S.C. 
XXXX ( XXXX ), which prohibits unauthorized disclosure of consumer financial details. 
Until you provide all of the above-requested documentation, I do not recognize any obligation to this alleged debt. Under 15 U.S.C. XXXXg ( b ), you must immediately cease all collection efforts, remove any negative reporting from my credit file, and confirm in writing that no further action will be taken until full validation is provided. 
Should you fail to comply with this request within XXXX days, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals Office for investigation and enforcement actions. 
All responses must be sent in writing to the address listed above. 
Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief