vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: CA

Complaint narrative:
Cease and Desist Letter Debt Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Cease and Desist Debt Collection Activities Account Number : XXXX To Whom It May Concern, Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I hereby demand that you immediately cease all communication with me regarding the debt referenced above. 

Please be advised that : I do not consent to any further telephone calls, written correspondence, electronic messages, or personal contact by your agency, its employees, or any third-party affiliates. 

Any attempt to continue contacting me, other than to confirm that you will cease collection efforts or to notify me of specific legal remedies, will be considered a violation of federal law. 

If you believe this debt is valid, you must limit your communication to either : A single letter confirming that you will cease all further collection activities, or A single notice of any specific legal action you intend to take.

Failure to comply with this demand may result in my pursuing legal remedies, including but not limited to reporting violations to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney General of my state. 

I request that you respect my rights under federal law and cease all further debt collection activity. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
XX/XX/year> Amount : XXXX Action By Company : I have not contacted I went into Wells Fargo to open up an account and I was informed that I have an account and it was outstanding. I never opened an account and when the address was looked up I never lived there. I feel this hindered me in place i was unaware of. It had my social but it was not me.

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 2025-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
On XX/XX/year>, I made a hotel booking using my American Express card, and was charged {$560.00}. Unfortunately, due to an emergency medical situation I was diagnosed with XXXX XXXX  and had to undergo surgery during that period I was unable to use the reservation. 

I contacted American Express to dispute the charge, and the dispute was initially resolved in my favor, and the amount was refunded. However, I was later informed that the hotel did not accept the dispute, and the charge was posted to my account again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: TN

Complaint narrative:
In accordance with the fair credit reporting act the list of accounts below have violated my federally protected consumer right to privacy and confidentialaity under 15 U.S.C. 1681. 

Account # XXXX Account # XXXX Under 15 U.S.C. 1681c. ( a ) ( 5 ), obsolete or inaccurate information may not be reported.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), furnishers of information must not provide information that they know, or should know, is inaccurate.

15 U.S.C. 1681 602 ( a ) establishes the purpose of the FCRA : to ensure fair and accurate credit reporting, protect consumer privacy, and maintain the integrity of the credit system. Meaning I have a right to privacy.

15 U.S.C. 1681 604 ( a ) ( 2 ) restricts when and how a consumer report can be used, requiring a permissible purpose. And no consumer reporting agency can furnish an account without my written instructions. 


By allowing these inaccurate accounts to remain, the credit reporting agencies and furnishers are in violation of the above provisions. These false accounts are harming my credit profile, and I am requesting immediate investigation, deletion of the accounts, and confirmation of compliance with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: MS

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account name : XXXX XXXX  XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1000.00} Account name : XXXX XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$740.00} Account name : XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX XXXX XXXX. 
Account number : XXXX * * Date Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX XXXX  XXXX Account number : XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1500.00} Account name : XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Account name : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00} Account name : XXXX XXXX Account number : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} Account name XXXX XXXX XXXX Account number : XXXX * * Date Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX XXXX  Account number : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX  XXXX Account number : XXXX XXXX XXXX XXXX  * Date Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX Account number : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} INQUIRIES : XXXX XX/XX/XXXX 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
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to follow up on my prior dispute regarding the inaccurate reporting of late payments on my credit report for the following account : XXXX XXXX XXXX ( Acct. ending XXXX ) Reported as having 4 late payments of 30 days ( Late Open ) .The account is reported as currently open but contains four 30-day late payment notations. I dispute the accuracy of these late payments.XXXX  XXXX XXXX has not provided proper documentation to validate that these late payment records are accurate, timely, and correctly applied to my account. 
Reporting unverified or inaccurate late payments violates the Fair Credit Reporting Act ( FCRA ) under : 1681e ( b ) : Duty to ensure maximum possible accuracy of information. 1681i : Duty to conduct a reasonable reinvestigation when a consumer disputes information.

1681s-2 ( b ) : Furnishers responsibility to investigate disputes and correct inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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:
I am filing a complaint to you because after carefully reviewing my credit file, I have found several items that are being reported inaccurately and in violation of my rights under the Fair Credit Reporting Act ( FCRA ). These errors do not reflect my true financial history and have unfairly damaged my creditworthiness. I am asking that these accounts and the inquiry be removed from my credit report in full compliance with federal law.

One is an account with XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing a balance of {$0.00} XXXX XXXX Even though this account has been closed with no outstanding debt, it is still being reported as late closed. This is misleading and unlawful. Under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), I have the right to dispute any inaccurate or incomplete information. Furthermore, FCRA 623 ( a ) ( 2 ) 15 U.S.C. 1681s-2 ( a ) ( 2 ) requires furnishers to update and correct information they know to be wrong, and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) obligates the bureaus to ensure maximum possible accuracy. Since this account has no balance, its reporting as late is false and must be removed. 
I also discovered that XXXX XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX balance owed : {$0.00} XXXX XXXX  and XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  balance owed : {$0.00} XXXX XXXX, are both still being reported as charged off. When there is no remaining balance, labeling these accounts as charge-offs is misleading and inaccurate. Their reporting violates FCRA 605B / 15 U.S.C. 1681c-2 and FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), which protect consumers from unverified or outdated negative items. Since these debts have been resolved, the only accurate action is to remove them from my report. 
In addition, XXXX XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX with a reported balance of {$5000.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, account numbeXXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$5500.00}, are also being reported as charge-offs. However, I have never received an IRS Form XXXX for either account, even though the balances exceed {$600.00}. Without this legally required documentation, reporting these as charge-offs is misleading and violates FCRA 607 ( b ) 15 U.S.C. 1681e ( b ). Because they can not be properly validated, these accounts must be deleted. 
Finally, my report reflects a recent inquiry from XXXX XXXX  XXXX on XX/XX/year>, which I did not authorize. This inquiry violates FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), which strictly limits the purposes for which inquiries can be made, and FCRA 619 15 U.S.C. 1681q, which makes it unlawful to obtain a credit report under false pretenses. Since I did not grant permission for this inquiry, it must be removed from my file immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This complaint is being filed by XXXX XXXX as the authorized representative of XXXX XXXX, pursuant to a signed Consumer Authorization Form, which expressly empowers me to act on his behalf in matters relating to credit disputes and CFPB complaints. WELLS FARGO BANK CAR XXXX willfully and negligently reporting inaccurate and unverifiable information regarding Account No. XXXX to the credit bureaus, in direct violation of the Fair Credit Reporting Act ( FCRA ). Specifically, the furnisher is violating 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) by continuing to report information it knows or should know is inaccurate, failing to comply with 15 U.S.C. 1681s-2 ( b ) by neglecting to conduct a reasonable investigation upon notice of dispute, and disregarding 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which requires deletion of unverifiable data. Despite XXXX XXXX formal dispute letter demanding verification or deletion, the furnisher has refused to provide documentation establishing the accuracy of the account and has continued to furnish damaging false data. I request that the CFPB order WELLS FARGO BANK CARD to immediately conduct a lawful investigation, produce complete verification of the account or permanently delete it from all credit reports, cease reporting any further inaccurate information, and provide written confirmation of compliance within thirty ( 30 ) days.

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 2025-09-15 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: CA

Complaint narrative:
On XX/XX/year>2025, someone attempted to fraudulently open a XXXX XXXX XXXX XXXX XXXX  in my name. I immediately disputed this activity. 

On XX/XX/year>2025, between approximately XXXX XXXX  and XXXX XXXX, a personmost likely the same fraudstervisited a XXXX XXXX XXXX and submitted a paper withdrawal request for {$130.00} from my account. This individual used my account number and a fake ID containing my drivers license information. 

On XX/XX/scrub>/2025 at XXXX XXXX, while I was at home, I received a notification from my bank that a new credit inquiry had been made by CITIBANK NA., XXXX XXXX I did not authorize this inquiry or any application for a credit card in my name. 

These repeated and unauthorized attempts to use my personal and financial information strongly indicate that my identity has been stolen.

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 2025-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Yamaha Motor Finance Corporation USA
State: CA

Complaint narrative:
I am filing this complaint against XXXXYAMAHA for knowingly reporting false, inaccurate, and unverifiable information to the credit bureaus regarding my account. Despite my formal dispute, the furnisher has continued to provide misleading data in violation of the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), they are prohibited from reporting information they know or should know is inaccurate, yet they have persisted in doing so. Additionally, they have failed to comply with their obligations under 15 U.S.C. 1681s-2 ( b ), which requires them to conduct a reasonable investigation after receiving notice of a dispute, and to correct or delete any information found to be false or unverifiable. Their continued reporting of this inaccurate account is unlawful, damaging to my credit profile, and constitutes willful noncompliance with federal law. This misconduct must not be tolerated, as it demonstrates both negligence and a blatant disregard for consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: GA

Complaint narrative:
The investigation did not fix an error on your report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The investigation did not fix an error on your report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
Capital One advertises a Price Match Guarantee for hotels with the XXXX XXXX XXXX XXXX. When I called to request a price match, the representative refused because the lower price was on a website they said is not qualified. They explained that Capital One has an internal list of websites that do not qualify, but this list is not published or disclosed anywhere. Note the the website I pointed to was included in XXXXXX/XX/XXXX search results and available to everyone online ( it is not a member only price or anything of that sort ). 

The terms and conditions of the price match guarantee make no mention of qualified websites or such a list. The only requirement listed is that the lower price must be verified by an agent. By using an undisclosed list of excluded sites, Capital One is able to deny valid requests while advertising the benefit as if any lower verifiable price would qualify. 
This practice feels deceptive, since consumers can not know in advance whether their price match request will be honored, and the restrictions are not disclosed in the official terms. I am requesting CFPB review of whether Capital One can advertise this benefit without publishing all restrictions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I submitted a XXXX XXXX to Repayment application in XX/XX/year>2025 and elected administrative forbearance, as confirmed by the XXXX Department of Education ( see attached email ). Despite this, my servicer, XXXX, incorrectly reported my account as 90 days delinquent. I was not required to make payments while in forbearance. This inaccurate reporting has severely damaged my credit score and already caused XXXX XXXX to reduce my credit limit by {$34000.00}. I have contacted both DOE and XXXX multiple times, and each refers me to the other without resolving the error.

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 2025-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
the company midland credit management i asking for chain of assignments and the bulk purchase something too confirm that they own the debt. but got no answer from the 2 letters i sent so i file Complaint with the FTC and XXXX  and hoping too get them too remove i am filing small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: AZ

Complaint narrative:
Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Demand for Immediate Removal of Fraudulent Accounts FTC Identity Theft Report # XXXX To Whom It May Concern, I am writing to demand the immediate removal ( blocking ) of fraudulent accounts from my Experian credit report. I am a victim of identity theft, and I have attached my official FTC Identity Theft Report ( Report # XXXX, filed XX/XX/year> ) as proof. 

The following fraudulent accounts must be deleted : XXXX XXXX XXXX XXXX  Account ending in XXXX {$11000.00} XXXX XXXX Account ending in XXXX {$270.00} XXXX XXXX XXXX Account ending in XXXX {$1200.00} XXXX XXXX XXXX Account ending in XXXX {$1000.00} XXXX XXXX XXXX Account ending in XXXX {$740.00} Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, you are legally required to block identity-theftrelated information from appearing on my credit report within four ( 4 ) business days of receiving my dispute and identity theft report. 

I am not responsible for these accounts, and I demand written confirmation that they have been permanently removed from my 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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I was a victim of ID theft and now I am blocked out of all my credit reports. MY current address is XXXX XXXX XXXX XXXX OHIO XXXX. I would like to request a new report from Trans Unions, Experian and Equifax. 
XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was a victim of ID theft and now I am blocked out of all my credit reports. MY current address is XXXX XXXX XXXX XXXX OHIO XXXX. I would like to request a new report from Trans Unions, Experian and Equifax. 
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 2025-09-15 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: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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