vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I made a purchase of {$150.00} through the website XXXX and subsequently felt suspicious this was a fraudulent merchant/scammer. I then found the web site under a list of " scammers reported ''. I was in touch with the merchant via text over the phone # XXXX, and requested a refund and cancellation of my order. They did not respond to my request so I immediately called Wells Fargo as the withdrawal was still " pending ''. This is all within the hour of initial payment transaction. 

I got on the line with a representative from Wells Fargo who thanked me for the call. She dictated all the details I gave of the fraudulent merchant and said because I called so soon, they were able to deposit the {$150.00} back to my account. 

A couple months later I receive a letter from Wells Fargo, saying my claim has been denied as there " was no evidence my debit card or phone was stolen ''. This was never what I reported. The report was always centered around the details of the fraudulent merchant. I called Wells Fargo back and the customer service agent was extremely uncooperative. She stated that I reported my card was stolen in the claim, which I never did. I explained everything I did in this message and she told me, " We can refile it, but we'll just deny it again. '' She said the only channel to which I could have stopped pyament from going through was with XXXX XXXX. But at this point, it was far too late. 

This was infuriating customer service to say the least, and also improper banking servicing as I wasn't given the appropriate information in my initial call with Wells Fargo, and my claim was improperly submitted. And again, I thought it was all settled in that initial call when my {$150.00} was returned. The customer service agent kept talking over me and was unable to properly answer my questions to get to the bottom of this, forcing me to reach out to the CFPB to look further into this matter. 

I very much appreciate your time and consideration regarding this issue.

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 2025-11-05 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: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-11-05 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Michel Law, LLC d/b/a Level One Law
State: FL

Complaint narrative:
We signed up with XXXX XXXX XXXX / LEVEL ONE LAW LLC - OUT OF XXXX FLORIDA IN XXXX OF XXXX. 

We were told we would pay a drafted bank draw sum of {$840.00}. We submitted 12 creditors and nothing was negotiated on our behalf until multiple calls and emails well over a year later. The few that were settled were settled at very low monthly payments to the creditors. 

Not until XXXX year XXXX were we notified that a lawsuit was filed against them and they were to hault all drafts from accounts & negotiating on our behalf. Again several calls, and misleading verbage, nothing was done. We than made the decision to fire them due to breach of contract and demanded a full payables as to where all our monies had gone to, as only a few accounts were negotiated. They then informed us all information would be mailed to us and a check for what was in our " escrow account ''. They informed us that we were to take over any negotiated payments and pay the debtor ( s ) directly.

After 3 weeks, we received a check and a termination letter only, no statement, no listing of accounts, activity, fees paid, etc. NOTHING. When we tried to log in to our account, no access. ( Previously, screenshot what we could from their client portal ). This is all the information we had. 

Upon trying to call the debtors, to pay the ones who they actually negotiated debt adjustments on, only XXXX would accept our payment in full. XXXX XXXX  ( " collection '' ) REFUSED to take our final payments and said since we were " NO LONGER REPRESENTED, THEY COULD NOT TAKE A PAYMENT FROM THE CONSUMBER ''. We were to " WAIT 3 WEEKS AND CONTACT XXXX  XXXX  to settle the debt directly with them. No contact was made, nor could they locate any of the accounts, nor provide us with any further information. Was then, about a year later, we started receiving advertisement for LAWYERS, as we were being " sued '' by XXXX XXXX. Never received anything from them, or any notification. 

When we called a lawyer, they looked up our credit report and noted, no FRAUD was entered, XXXX had entered duplicate accounts, and some of the account numbers did not match up to the original consumer account. 

We are now left with HORRIBLE credit, no funds to try and recoupe and pay these debtors, which majority was due to fraudulent activity on our accounts. 

LEVEL ONE LAW AND THEIR ASSOCIATED did not do what they advertised and said they would do, our credit is in dire despair, and now, we are even unable to qualify to get any equity from our home mortgage company. We have XXXX recourse and the reporting on our credit reports are disturbing. XXXX XXXX  was the WORST one, the others we have been in contact with ourselves, and are trying to negotiate balances due. 

I'm told a lawsuit has already been opened by CFPB from private lawyers in the area, and that our hands are tied for any form of recourse.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-05 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 am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding inaccuracies and incomplete reporting of several accounts on my credit report. These disputes are with Equifax, and I request a thorough investigation and correction of the errors listed below. I believe that these accounts contain discrepancies that violate the Fair Credit Reporting Act ( FCRA ), and I am seeking resolution. 

Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX, Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$3600.00} XXXX XXXX XXXX, Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$490.00} XXXX, Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$2600.00} XXXX, Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$2100.00} XXXX, Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$210.00} UNAUTHORIZED COLLECTION, Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$120.00} XXXX, Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX, Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: PA

Complaint narrative:
XXXX  is also reporting multiple inaccurate or unverifiable accounts, and my previous disputes have not resulted in proper investigation or correction as required under the FCRA. 

Accounts Reported as Charged Off ( Disputed ) XXXX  Acct # XXXX Reported XX/XX/XXXX {$0.00} XXXX XXXX Acct # XXXX Reported XX/XX/XXXX {$1700.00} XXXX XXXX  Acct # XXXX Reported XX/XX/XXXX {$1200.00} XXXX XXXX XXXX Acct XXXX XXXX Reported XX/XX/XXXX {$530.00} XXXX XXXX XXXX Acct XXXX XXXX Reported XX/XX/XXXX {$2000.00} XXXX XXXX XXXX Acct XXXX XXXX Reported XX/XX/XXXX {$390.00} XXXX XXXX  Acct # XXXX Reported XX/XX/XXXX {$620.00} XXXX XXXX  Acct # XXXX Reported XX/XX/XXXX {$1500.00} XXXX XXXX XXXX Acct # XXXX Reported XX/XX/XXXX {$700.00} I am requesting verification of all listed accounts. If XXXX  or the furnishers can not provide original documentation verifying ownership, balance, and charge-off details, these items should be deleted immediately. 

Late Payment Entries ( Disputed ) XXXX XXXX Acct # XXXX XXXX  Acct # XXXX These payment histories contain inaccuracies and are being disputed under FCRA 611. Please investigate and remove any unverifiable information. 

TRANSUNION TransUnion is reporting multiple inaccurate and/or unverifiable accounts, which I have disputed previously without proper reinvestigation. 

Accounts Reported as Charged Off ( Disputed ) XXXX  Acct # XXXX Reported XX/XX/XXXX {$0.00} XXXX XXXX Acct # XXXX Reported XX/XX/XXXX {$1700.00} XXXX XXXX Acct # XXXX Reported XX/XX/XXXX {$1200.00} XXXX XXXX Acct # XXXX Reported XX/XX/XXXX {$390.00} XXXX XXXX Acct # XXXX Reported XX/XX/XXXX {$2000.00} XXXX XXXX  Acct # XXXX Reported XX/XX/XXXX {$530.00} XXXX XXXX Acct # XXXX Reported XX/XX/XXXX {$620.00} XXXX XXXX Acct # XXXX Reported XX/XX/XXXX {$1500.00} XXXX XXXX XXXX Acct # XXXX Reported XX/XX/XXXX {$700.00} Late Payment Entries ( Disputed ) XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX These late payment reports are inaccurate and need to be validated or deleted. 

Inquiries ( Unverified ) XXXX  Reported XX/XX/XXXX This inquiry was made without my authorization and should be removed unless TransUnion can provide proof of permissible purpose under FCRA 604.

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 2025-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I have requested validation of the alleged debt from the debt collector on three separate occasions, each sent via certified mail with proof of delivery. To date, the debt collector has failed to provide the required documentation to validate the debt as required under the Fair Debt Collection Practices Act ( FDCPA ).

Furthermore, I have no record of any written agreement between myself and the debt collector that grants them the authority to collect on this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action 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 2025-11-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I am writing to report that my personal information was used without authorization to open or attempt to open a Capital One account in my name. This activity is fraudulent and directly connected to an identity theft case already documented under XXXX XXXX XXXX  Report # XXXX. 

I have provided multiple official reports, disputes, and filings through the CFPB and directly to the credit bureaus regarding this identity theft. Despite these submissions, the fraudulent Capital One account continues to appear on my consumer reports, causing serious harm to my credit profile.

Key Supporting Documentation Attached : Police Report # XXXX ( XXXX XXXX XXXX  Downtown Precinct, Tel. ( XXXX ) XXXX ) FTC Identity Theft Report Government-issued photo ID ( Drivers License ) Social Security Card Proof of Address ( Utility Bill ) Requested Actions Under FCRA 605B and 611 :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: WA

Complaint narrative:
The account has been paid off completely, but inaccurate late payment marks remain.

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 2025-11-05 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: WA

Complaint narrative:
The account has been paid off completely, but inaccurate late payment marks remain.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I previously submitted a formal dispute to the credit bureau regarding inaccurate information being reported on my credit file. In accordance with the Fair Credit Reporting Act ( FCRA ) 611, the bureau was required to conduct a reasonable reinvestigation and provide verified documentation supporting the accuracy of the disputed accounts.

Despite my original dispute and supporting evidence, the bureau responded with a generic verification response without providing any documentation or proof from the data furnisher. No signed contract, billing statement, or payment record was produced to substantiate the accuracy of the reported item.

As part of my follow-up, I contacted the creditor directly and submitted an authorization letter on [ insert date if available ], allowing them to release or verify all related account information. However, to date, neither the creditor nor the bureau has provided verified documentation or evidence of a completed investigation.

This lack of verification and failure to provide supporting evidence indicates noncompliance with FCRA 611 ( a ) ( 1 ) ( A ), which requires that any disputed information be verified as accurate before it can remain on a consumers credit file. The inaccurate information continues to appear on my report, causing harm to my credit standing and reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: SUNRISE CREDIT SERVICES, INC
State: OR

Complaint narrative:
I have been requesting a copy of my receipt since XXXX. I have emailed in 3 times and called 6 times to request both an emailed copy and a physical copy to be mailed to me. They say they have done both but I have not received anything in any inbox. I just need a copy of my receipt for a job opportunity. This debt has been paid off.

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 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
on XX/XX/year> around XXXX i entered the TD bank branch in XXXX NC to make a cash deposit in my checking account. i provided my debit card and correctly entered my pin to verify my account. Provided {$3600.00} in cash to be deposited to which they required me to prove where the money came from and refused my deposit. i then asked to close my account which i have had with td bank for nearly 10 years as that was the last straw from the years of abuse they give me at this branch and was denied closing. in the past i have had employer payroll check denied deposit, atm malfunctioned and they refused to address the issue until the sheriff showed up. i do not understand why i am being XXXX  profiled at this branch when the only other branch in the area has no issues with me or my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: GA

Complaint narrative:
I am submitting this dispute statement for my credit report with Equifax regarding the following charged-off accounts, inquiries, and late payments. I respectfully request that each account be reviewed for accuracy. If any of the information can not be verified in accordance with the Fair Credit Reporting Act ( FCRA ), I request that it be removed from my credit report. 

Charged Off Accounts : XXXX  - Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$9300.00} XXXX XXXX XXXX - Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$690.00} XXXX XXXX XXXX - Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$990.00} XXXX XXXX  - Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  - Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$10000.00} XXXX - Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$500.00} XXXX XXXX  - Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$31000.00} XXXX XXXX - Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$4400.00} XXXX - Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$740.00} XXXX  - Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$9300.00} Late Payment Accounts : XXXX XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: TX

Complaint narrative:
I reviewed my credit report and discovered a collection account from XXXX XXXX that I never authorized. I never gave this company permission to access, handle, or store my personal information. I do not recall signing any agreement with XX/XX/XXXX nor do I have any proof that my original creditor gave them verified consent to take over my account. This means my personal information was shared and reported without my approval, which violates the Fair Credit Reporting Act ( 15 U.S.C. XXXX ( b ) and XXXX ) and the Fair Debt Collection Practices Act ( 15 U.S.C. XXXX ). 

Under Metro 2 compliance and E-Oscar reporting standards, any company furnishing data must maintain proper documentation of consumer authorization. XXXX has failed to show any proof of that. This account has caused unnecessary harm to my credit, resulting in denials for housing and financial products.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Leafy Financial, LLC
State: TX

Complaint narrative:
Attempts to collect a debt off {$1700.00} that does not belong to me. I do not recognize account. Please remove from report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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 have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief