vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-29 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: GA

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 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 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is now the second time I have disputed XXXX XXXX XXXX Acct XXXX and XXXX XXXX XXXX Acct XXXX. I have never done business with neither companies, I requested copy of validity of debt the last dispute with Experian. There is incorrect information associated with my name and this debt. Never received anything in the mail from either companies. Instead of investigating if this debt is valid Experian has given me a generic reply in a very short time and it has remained on my credit. This unfair to myself the consumer. This is why Im re-disputing both companies while also file complaint with CFPB.

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 2025-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
XXXX payment was {$680.00} next month XXXX payment {$920.00} almost doubled I haven't made XXXX payment because of sudden changes

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2025-11-29 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$510.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$85.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$750.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a 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 explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$510.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$85.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$750.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: MN

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This is really disturbing I'm clearly in the legal jargon and the terms and conditions of the yeast in the bank there is a privilege that they have which is discretionary too is the use of their overdraft protection I have qualified in that program because of my continuous direct deposit every month {$1400.00} of it being every month. My account has been a good standing I don't get to use it that much because I'm on XXXX they have illegally and deceptively put a restriction on my account without anything notifying me of the restriction like I have done something wrong. If I was abusing to overdraft I would do longer have used to it and none of the balances have gone past the XXXX XXXX days or even XXXX  days because of the continuous. Direct deposit. I want this restriction removed immediately it's not appropriate there's no right to hey XXXX and apparently it's not just me they're hundreds of complaints online I know why they would do that they tell you even in writing I know you're allowed to use it you qualify for the program and then when you use it when it goes negative sometimes you receive a type of letter that comes off very threatening language almost abusive. Now seeing that it's discretionary it doesn't even work or when you really want to count on another word that's the purpose of it you know emergency they don't even allow I'm human being or bankers to control the assistance with overdraft it's all a computer algorithm. I am not the one that complain and I'm very disappointed very disappointed Capital One has been in my family for years I trusted them by them doing stuff like this they're breaking my trust. It's this simple there should be no arguments I am the signer of the account I'm not abusing account it's my money in the account and if it's a little overdrawn and it's within the time the time limit of the use of the overdraft I did not see wrong it gets paid back every month of stops sooner there's been no debt they even put an actual maybe an attempt to charge off and that that just makes me sick to my stomach. My primary checking leads to his picture removed it's been faking practice is bad behavior and having a banking charter is a privilege not a right

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible and fairness of credit reporting. Also, in 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
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity.

Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

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 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I am disputing the WFBNA credit card account reporting on my TransUnion credit report. 

The creditors previous response included an admission of inconsistencies in how the account was reporting. They stated : Due to inconsistencies with how the account is reporting, we forced the report to ensure the account is reporting correctly on all CRAs. 

This demonstrates that the data furnished was inaccurate, inconsistent, and not in compliance with FCRA 607 ( b ), 623 ( a ), and XXXX XXXX reporting standards. 

Additionally, the account shows an official closed date of XX/XX/year>, yet WFBNA continued to report new late payments and derogatory history AFTER the account was closed. 

Under FCRA and XXXX XXXX guidelines, furnishers are prohibited from reporting new payment activity or delinquency after an account is closed. 

Because the furnisher : admitted to inconsistent reporting manually forced data to be furnished reported inaccurate post-closure late payments can not provide consistent or verifiable documentation I am requesting the deletion of this account and all associated derogatory information from my XXXX  credit file due to the furnishers failure to report accurate and verifiable data.

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 2025-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CL Holdings LLC
State: OH

Complaint narrative:
Company : Jefferson Capital Systems , LLC Collector/Law Firm : XXXX XXXX XXXX XXXX XXXX Issue : Attempting to collect a debt they do not own/ failing to validate/ misleading legal documents Type of Problem : False statements or misrepresentations ; Threatened or took illegal actions ; Inadequate documentation Jefferson Capital Systems is attempting to collect a debt they do not legally own. 

The original creditor was XXXX. XXXX XXXX states they purchased the account. However, Jefferson then assigned or transferred the alleged account to XXXX XXXX, as confirmed on an official website showing XXXX XXXX as the current owner of the account. Jefferson Capital has not provided any documentation proving the account was transferred back to them or that they currently have legal ownership. 

I sent a written validation request asking for proof of ownership and a full chain of title showing every transfer of the debt. Instead of providing this, Jefferson CapitaXXXX sent only documents referencing themselves and did not provide any proof that XXXX XXXX no longer owns the debt. They failed to validate the debt under 15 U.S.C. 1692g. 

Despite this failure, Jefferson Capital ( through XXXX XXXX XXXX ) proceeded with legal action and mailed documents styled to resemble a court judgment before any judgment was entered. These documents came from the law firm, not the court, and misrepresented the legal status of the account. This violates 15 U.S.C. 1692e ( 2 ) ( A ), 1692e ( 5 ), and 1692e ( 10 ).

Jefferson Capital is actively misrepresenting ownership and attempting to collect without legal standing. They also initiated litigation without providing validation or resolving the ownership contradiction. 

I am requesting the CFPB investigate Jefferson Capital Systems and XXXX XXXX XXXX for : Failure to validate the debt Misrepresentation of the legal owner Continuing collection after a validation request Misleading and deceptive communication Attempting to sue without legal standing I am willing to provide screenshots of XXXX XXXX  ownership listing, copies of the mailed documents, copies of my validation request, and the contradictory responses from Jefferson Capital.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Ii noticed Wells Fargo bank has been chargung an excessive amount of overdraft fees on my checking account and a mysterious {$5.00} monthly charge on my savings account which I was told would be a free savings account with my direct deposit.

I had not been charged {$5.00} on my savings account until the past 2-3 Mos. I also noticed a double transfer of {$100.00} in the same day, but the 2nd transfer is not my doing. As well as other savings ro checking XXXX  When I asked about the savings charged I was not given a reasonable answer. I also believe my account is flagged, unfairly as a difficult customer/account. When in actuality I have been in and out of the hospital for 6mis and did not have the capacity to attend to my personal finances.

My checking account number is XXXX My savings Account number is 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 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am begging for help! I am a victim of the Equifax XXXX XXXX of XXXX! All of my personal information was stolen by hackers and leaked all over the Dark Web! I recently reviewed my Credit report and noticed multiple fraudulent accounts on my report that I do not recognize. These accounts do not belong to me. They are fraudulent! I am left suffering from the aftermath because of a mistake Equifax made. I fear for my life because these perpetrators know my address! Please remove it from my credit report because it is stopping me from obtaining credit causing a severe hindrance in my life. Remove within 4 Business Days According to the FCRA Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint of the information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: FL

Complaint narrative:
I been getting my daughter and my XXXX payments on XXXX Card that's partnered with Netspend just recently XX/XX/year> my account was just closed with all my money still on card which was XXXX even though they let me get my money through money gram I was told that I am blacklisted and I can no longer be eligible for any Netspend or XXXX card I was blacklisted and Agent told me because someone called trying to gain access to my account they was able because they didn't know the security code so question I had was then why blacklist me and treat me as if I did something wrong when I'm really the victim the Agent refused to release anymore information or mail me a copy of why my account was closed in writen copy which they refused now my government benefits will be sent to this closed account unless I make changes right away. XXXX did not follow the right protocol when fraud on customer account they should have notified me first to see what I wanted to do and refused to let me speak with risk management to see why I was punished for fraud on my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
I have been receiving repeated letters and phone calls regarding an alleged debt that I do not recognize. Each communication Ive received contains multiple potential violations of the FDCPA, including inconsistent information and failure to properly validate the debt. I have requested a full debt validation and a copy of the original contract proving that I owe any amount to Jefferson Capital Systems. To this day, I have not received proper validation. Additionally, the alleged balance is unclear, as every letter they send lists a different amount, making it impossible to determine what they claim I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I am trying to reopen complaint XXXX. The complaint was closed with the response from the company being an auto-reply email that asks the reader to verify their identity. This isn't a response or explanation- it's an automatic reply at the beginning of a user contact flow. This isn't a valid or legal response.

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