vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, I received a call from a social engineer impersonating Wells Fargo while at work at XXXX. They came off very professional and told me there is 2 fraudulent transactions on hold from XXXX NY and they need to make sure they will get cancelled out so my funds come back into my account. They did not ask for a password or social security number or pin number but they told me in order to cancel these fraudulent transactions I must cancel out through XXXX. They instructed me next to send a transaction of {$1000.00} and another one of XXXX. They told me to send it to a different number which was XXXX enrolled as " XXXX XXXX '' from XXXX NY on XXXX. They told me I must send this under my name but to this number. The Impersonator then made me send screenshots to confirm to a number which was ( XXXX ) XXXX that confirmed the transactions, they then told me this will cancel out the fraudulent transactions and my money would be in my account in hours. They then told me this is because my XXXX  was hacked and compromised and I need to do this same process on XXXX. Finally, they attempted this on XXXX XXXX as well, but were unsuccessful. They then told me they would call me back once everything has processed, the number this impersonator called me on was XXXX XXXX and it appeared as Wells Fargo under the number. After this I got a call from the Wells Fargo Fraud protection team where I explained the scenario, they opened a case and got back to me on XX/XX/XXXX saying they are not liable and that my claim is denied and to file a police report. 
This is a confirmed scam from : 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 explanation
Consumer complaint received 2025-09-25 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CrossCountry Mortgage LLC
State: WA

Complaint narrative:
My home was sold on XX/XX/XXXX and the title company completed my payoff. Cross Country mortgage has failed though to send me refunds for overpayment and escrow. They were originally sent to wrong address. I contacted them in late XXXX and gave them my new address. I still have not received the checks and have contacted them 4 different times. The past week I cant even get though to their call center because their call volume is too high and they dont have enough staff to take the calls. I need help with getting my funds that are due to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I ordered a product that was advertised. I received a different product. I wrote to the company saying that it wasnt the product that I ordered and I wanted a refund. They replied that the item they sent me was an updated version and was better than the original version, I disagree that it was better. Either way its not what I ordered. They offered me a small amount of compensation and to keep the item. I said I wanted a full refund and to return the item. After going back back-and-forth several times they told me to if I return the item it would cost me {$15.00} which was over a third of the cost of the item to begin with and that I wouldnt receive a refund for at least a month. At this point I opened a dispute with capital one. I sent them pictures of what I ordered versus what I got. I sent them all of the emails including where the company said that they did not send me the item that I ordered. The letter I received back said I didnt send the required information and that the case was closed. Im wondering how many other people this has happened to as Im interested in starting a class action lawsuit against capital one

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I. REQUEST FOR DOCUMENTATION Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and applicable federal law, I am formally requesting the following documentation to validate the alleged debt : Complete Chain of Title / Chain of Custody from the original creditor to Credit Collection Services, including all intermediate assignments.

Forward Flow Agreement or equivalent agreement governing the sale or transfer of the account.

Executed Contract of Assignment or Bill of Sale demonstrating that Credit Collection Services acquired full legal rights to enforce the account. 

Original Signed Credit Agreement and full account-level documentation substantiating the amount and terms of the alleged obligation.

Service Agreement or equivalent agreement establishing the authority of Credit Collection Services to collect on the account. 

II. LEGAL AUTHORITY This demand is supported by Green v. Portfolio Recovery Associates , LLC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which held that failure to produce the chain of title and purchase agreements constitutes insufficient validation under federal law. The court made clear that a mere data printout or internal record is inadequate ; proper documentation of assignment and ownership is mandatory.

III. NOTICE OF POTENTIAL VIOLATIONS If the above documentation is not provided through this CFPB process and Credit Collection Services continues to report this account to credit bureaus or engage in collection activity, such conduct will constitute willful violations of the FDCPA and the Fair Credit Reporting Act ( FCRA ).

You are further directed to cease all collection efforts, cease all direct communication, and cease all indirect communication, including reporting to any credit bureau, as such reporting constitutes a medium of communication under the FDCPA.

IV. FINAL NOTICE AND INTENT Consider this letter my final notice. If full compliance with the law is not achieved, I intend to initiate litigation in federal court for all applicable claims.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: TN

Complaint narrative:
I am submitting this complaint to dispute a false late payment reported by XXXX, account number XXXX XXXX XXXX XXXX XXXX, on my credit report. This information is inaccurate and has negatively impacted my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is incomplete or inaccurate. Specifically : 15 U.S.C. 1681i requires credit reporting agencies ( CRAs ) to conduct a reasonable reinvestigation of disputed information within 30 days of receiving notice 1.

If the information can not be verified, it must be deleted from the credit report.

Additionally, 15 U.S.C. 1681e ( b ) mandates that CRAs must follow reasonable procedures to ensure maximum possible accuracy of the information they report 1. 
I have already contacted the credit bureau and the furnisher XXXX to dispute this late payment, but the issue remains unresolved. I am requesting the CFPB to : Investigate the reporting practices of XXXX regarding this account. 
Ensure compliance with the FCRA and that the disputed late payment is either verified with supporting documentation or removed. 

Confirm that no further harm is done to my credit profile due to this inaccurate reporting. 

Thank you for your attention to this matter and for protecting consumers from inaccurate and harmful credit reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: OH

Complaint narrative:
To Whom It May Concern : I am writing to file a formal complaint against Experian, a nationwide consumer reporting agency, for their failure to properly investigate and resolve disputes as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Credit Billing Act ( FCBA ).

Despite my repeated disputes, Experian continues to report inaccurate and incomplete account information. Below are specific accounts that remain unresolved : XXXX XXXX XXXX ( Collection Account ) Marked UNDER DISPUTE but remains unresolved with no meaningful investigation. 

XXXXXXXX XXXX XXXX Disputed , yet Experian reports NO STATUS and fails to provide a valid verification. 

XXXX XXXX XXXX Disputed, yet the account remains with no correction. 

XXXX XXXX XXXXXXXX Updated after dispute but still inaccurately reported as charged off despite ongoing investigation. 

XXXX XXXX XXXX XXXX Remains in dispute status without resolution. 

These inaccuracies negatively affect my creditworthiness and violate my rights under the FCRA. Specifically, Experian has failed to : Conduct a reasonable reinvestigation under 15 U.S.C. 1681i ( a ) Provide a description of the reinvestigation procedure under 15 U.S.C. 1681i ( a ) ( 7 ) Delete unverifiable or inaccurate information as required by 15 U.S.C. 1681i ( c ) Notify me of the results of the reinvestigation within five business days as required under 15 U.S.C. 1681i ( a ) ( 3 ) Additionally, Experian has placed a security freeze on my file citing FEDERAL LEGISLATION, which has not been adequately explained, further restricting my access to fair and accurate credit reporting.

I request that the CFPB : Investigate Experians dispute handling practices Ensure Experian completes a proper reinvestigation of all disputed items Remove any information that can not be verified Provide me with written results of the reinvestigation and a free updated credit report I have attached supporting documentation, including my Experian credit report.

Please contact me if you need additional information. Thank you for your assistance.

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 2025-09-25 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: PA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-09-25 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: CA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: DISCOVER BANK
State: NY

Complaint narrative:
In XX/XX/year>, I disputed a {$700.00} charge from XXXX  XXXX XXXX XXXX for a defective pet cage. Discover initially resolved the dispute in my favor and issued a {$630.00} credit after the merchant provided a {$65.00} discount that was store wide. However, Discover later reversed the decision in the merchants favor without ever reviewing my evidence.

I repeatedly tried to submit documentation showing the cage was defective ( photos of rust, crooked and cracked bars, incomplete welds, structural instability, and the merchants admission they could not provide replacement parts or packaging within their own return window ). Discovers system blocked my evidence due to strict limits : 3 MB maximum file size,
40-photo cap, no video, and no uploads from mobile devices. I explained this multiple times and compiled all evidence into a single 25 MB XXXX, but Discover refused to provide a secure electronic method to accept it. 

Instead, Discover told me to mail or fax documents, which I can not do. As a result, Discover failed to conduct a reasonable investigation under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and continues to hold me liable for {$630.00} on a defective product that violates federal warranty protections ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ). 

I am requesting the CFPB require Discover to accept and review my complete evidence packet electronically and ensure my dispute is handled according to federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected.

I am submitting this formal complaint against Equifax for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX. Despite having received all required documents, Equifax has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, Sofi close my account without any justification or warning. I have contacted Sofi to attempt to solve the problem, but they have stubbornly refused my requests and unreasonably demanded to close my account. I believe this constitutes XXXX discrimination. I request to penalize Sofi 's disrespectful conduct and restore my checking account, as this has severely impacted my daily life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: PA

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe.

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, XXXX, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA.

Fraudulent Accounts and Inquiries ( Previously Disputed ) : XXXX. XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 non-monetary relief
Consumer complaint received 2025-09-25 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: OH

Complaint narrative:
I am filing this complaint because my credit report continues to reflect inaccurate, unverifiable, and damaging information in violation of the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. The law requires consumer reporting agencies and furnishers to ensure maximum possible accuracy, yet my file contains serious errors that have harmed me financially and personally and continue to misrepresent my credit history. 

My credit file has been reporting an account with XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX, which is listed as opened on XX/XX/year> with a balance of {$6200.00} and classified as a charge off. This account is being reported without any verifiable evidence of my obligation. No signed contract, agreement, or admissible proof has been produced that demonstrates that I am legally responsible for this debt. Under FCRA 611, I have the right to dispute inaccurate or unverifiable accounts, and the bureau is required to delete them if they can not be verified. Furthermore, FCRA 623 ( a ) prohibits furnishers from reporting information that is incomplete or inaccurate, yet this account continues to appear without proper documentation.

The continued reporting of this tradeline demonstrates a failure of both the bureau and the furnisher to comply with their obligations under the law. Courts such as in XXXX v. XXXX  have already established that credit bureaus can not simply rely on the furnishers word but must actually ensure accuracy when a consumer disputes an account. Despite this, my file continues to show this charge off without verification, which is reckless and harmful. 

This inaccurate reporting damages my credit standing, interferes with my access to financial opportunities, and causes significant personal and economic harm. The law was designed to protect consumers from exactly this type of negligent and unlawful reporting, and by ignoring its statutory duties, both the credit bureau and XXXX have shown disregard for my rights. 

I am requesting that the Consumer Financial Protection Bureau take immediate action to enforce compliance, require the deletion of the XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX from my file, and hold the parties accountable for their failure to adhere to the requirements of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Synovus Bank
State: FL

Complaint narrative:
I have been a Synovus credit card customer since XXXX. During this time, I have consistently paid on time, maintained excellent payment history, and taken advantage of balance transfer offers, which I always repay quickly and in full. Despite my strong history, Synovus has never proactively offered me a credit line increase. 

On XX/XX/XXXX, I requested a credit line increase. At that time, my credit score was in the XXXX ( XXXX on XXXX  ), my utilization was around 10 %, and I had no recent inquiries. Synovus pulled my credit from XXXX  and subsequently denied my request. The denial letter I received stated : CUSTOMER DOES NOT QUALIFY FOR CREDIT EXPOSURE AT THIS TIME. 

I did not understand this vague reason, so I called Synovus to request reconsideration. I was told that I would need to undergo another hard credit pull, even though Synovus had just accessed my XXXX report showing a score of XXXX. Requiring a new inquiry after just having pulled my credit seems unnecessary and potentially harmful to my credit profile.

Company response to consumer: Closed with explanation