vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XX/XX/XXXX my personal identity was falsely used to open an account with XXXXXXXX XXXX XXXX account was then placed into collections of Midland Credit in XXXX making me aware of the identity theft. I requested information, updated my correct address and phone number to dispute however the collection agency was unable to resolve the issue. A Fraudulent Claim was made with XXXXXXXX XXXX XXXXsing FTC. In XXXX I contacted XXXXXXXX XXXX XXXXfter receiving legal action notices regarding the fraudulent debt and they advised the closed account would be updated and deleted from my credit.I made another fraudulent claim against Midland Credit with the FTC and placed fraud alert with the credit bureau. Midland Credit is still actively seeking legal actions against myself and requiring I inform FTC to support the dispute of fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am filing a complaint because American Express placed a hard inquiry on my personal credit report on XX/XX/year>, related to a business credit application for my company, XXXX XXXX XXXX, XXXX, without my authorization. 

American Express did not disclose that applying for business credit would result in a hard pull on my personal credit file, nor did they present any authorization form, personal credit disclosure, or consumer consent agreement for me to approve. 

My business was denied credit, but I never received an ECOA-compliant adverse action notice explaining the denial. Under the Equal Credit Opportunity Act ( 12 CFR 1002.9 ), lenders are required to provide : A written denial notice The specific reasons for denial Disclosure of rights The creditors contact information American Express did not provide any adverse action notice, either for my business or myself personally. 

Under FCRA 604 ( a ), a personal hard inquiry requires a clear permissible purpose and consumer authorization. Amex has not shown that : I gave permission for a personal hard credit pull I signed any credit application for personal credit I was informed that a business application involved a personal inquiry Because my business applied for credit, not me personally, Amex was required to obtain explicit personal authorization before accessing my consumer report. No such authorization exists. 

Additionally, the denial of business credit was issued without explanation, and Amex has not provided : Documentation supporting their decision Proof that a personal credit inquiry was warranted Any justification for the adverse action American Express appears to have violated both the FCRA and the ECOA, and I am requesting the CFPB investigate the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: IN

Complaint narrative:
This account does not belong to me and has been incorrectly reported on my credit file ; the information shown is inaccurate and should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Comerica
State: CA

Complaint narrative:
As I suspected. Comerica is charging for every transaction and stealing my money. I Asked for complete closure. As I suspected if they had they would not if been able to charge my card and cause me more hardship. They control how much you can pull out anything over XXXX is A charge. Who's rent is XXXX dollars these days. Y the time I am able to pull out this money I won't even have enough to get housing. Comerica are thieves and I'm going to picket until I get all my money. I'll be posted up somewhere in America in front of a COMERICA gathering similar ppl with the same issues. AND I WILL CONTINUE UNTIL COMERICA LOSES THIS CONTRACT. These are ppl who wan na see the homeless struggle. What kind of company keeps XXXX ppl money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX, and I am a resident of XXXX, North Carolina. I am submitting this complaint regarding repeated and ongoing violations of the Fair Credit Reporting Act ( FCRA ) by TransUnion LLC and XXXX XXXX XXXX XXXX [ XXXXXXXX XXXX XXXX XXXX XXXX ] I have been disputing a late payment reported on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account with TransUnion for approximately XXXX months. During this time : Self Financial has never provided me with documentation, billing statements, payment ledgers, or any explanation establishing why a late payment is being reported TransUnion has repeatedly claimed the account was verified without providing any description of investigative procedures In XXXX, a TransUnion representative deleted the late payment, acknowledging the dispute The late payment reappeared the following month When I contacted TransUnion, representatives denied the deletion ever occurred, despite my records I filed a CFPB complaint in XXXX, yet the inaccurate late payment continues to be reported This pattern demonstrates systemic failures, false representations, and bad-faith reinvestigation practices. 

Additionally, XXXX XXXX is reporting inconsistent delinquency months across credit bureaus ( XX/XX/XXXX on XXXX bureau and XX/XX/XXXX on another ), which is factually impossible. A single account can not lawfully have different delinquency months. This inconsistency alone establishes that the information is inaccurate and unverifiable. 

These actions violate the Fair Credit Reporting Act, including but not limited to : 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 5 ) Re-insertion of previously deleted information without proper certification and notice 15 U.S.C. 1681s-2 ( b ) Failure of the furnisher to reasonably investigate and correct disputed information As a North Carolina XXXX XXXX this conduct also violates state law, including : XXXX XXXX XXXX. XXXX Unfair and deceptive trade practices XXXX XXXX XXXX. XXXX False or misleading credit reporting The repeated deletion and reinsertion of disputed information, combined with contradictory reporting and the absence of any documentation from the furnisher, demonstrates willful noncompliance with federal and state 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 non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THESE ACCOUNTS WERE NOT OPENED OR APPROVED BY ME. I HAVE NO CONNECTION TO THESE 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 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/year> my credit card was charged {$410.00} somewhere in XXXX. 
I never authorized the charge. 
I never purchased anything and I dont know where the store or the company is located. 
I filed fraud complaint with my credit card company, Capital One, the credit company refused to investigate where the charge was made, what the name of the company is, location, phone number and of course the signature that I was supposed to sign when the transaction was made. 
Instead they accused me of using the my credit card and filing a fraudulent claim of the charge, for which they punished me by reducing my XXXX XXXX. 
I called them XXXX  times and spoke with the XXXX different managers. The second one was very helpful, she explained that my cards chip was used, and since my card was never stolen, it means I used it. Then I was told that my card could have been illegally scanned, and if so, I am responsible for it!!!! 
I need help to resolve this matter, because if the card with a chip was scanned, it means XXXX  OF XXXX ARE SAFE and the credit card companies need to MAKE SURE THAT THE CONSUMER IS PROTECTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: WI

Complaint narrative:
I identified inaccurate and/or incomplete negative reporting on my credit reports related to this account, including reported late payments and derogatory status that I believe do not accurately reflect the accounts payment history and current standing. 

After reviewing my credit reports, I took action to address the issue by monitoring the account, maintaining current payment status, and submitting disputes requesting verification of the reported information. Despite these actions, the negative reporting has continued to appear on my credit reports without sufficient explanation or documentation demonstrating its accuracy. 

The reporting reflects delinquencies and adverse status during a past period ; however, the account has since been brought current, and there has been no clear substantiation provided showing that the reported dates, amounts, and delinquency classifications are accurate, complete, and compliant with the Fair Credit Reporting Act. 

I requested that the company review the reporting for accuracy and provide validation of the information being furnished to the credit bureaus. To date, the reporting remains unchanged, and I have not received documentation adequately supporting the continued reporting of the negative information. 

As a result, I continue to experience ongoing harm due to the presence of potentially inaccurate or unverifiable information on my credit reports. I am requesting a formal investigation, verification of the reported data, and correction or removal of any information that can not be fully verified as accurate and complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
XX/XX/XXXX. Tried to use my US Bank debit card for groceries; declined. Checked account, overdrawn by a {$1500.00} payment to XXXX. I am not an XXXX customer and do not buy anything from XXXX. Called US Bank, spoke with XXXX, and after a long discussion and putting me on a lengthy hold, asked me to go online to check my account, and the {$1500.00} had been credited back to my account. I went into a US Bank branch and obtained a new debit card and was assured that the card was activated with the same PIN. XX/XX/XXXX Tried to use the new card to buy gas; declined. Assumed it wasn't activated. XX/XX/XXXX Paid credit card from this same account, wrote XXXX checks to relatives. Went to US Bank online to change credit card payment date and saw my account was overdrawn AGAIN by the {$1500.00}. Many lengthy calls to US Bank customer service and XXXX department to be told that XXXX should have told me it was only a temporary credit ( if she had said so I could easily have moved the funds to a safe account ) and that now it was too late. " XXXX credit '' will take XXXX to XXXX business days ( XX/XX/XXXX to XXXX ) and that it is NOT POSSIBLE to expedite this. Emailed corporate offices in MN ; no response. Asked for contact info for customer service directors above the fraud dept; denied. Asked all agents for provisional credit to compensate me for US Bank 's erroneous handling of temporary credit; denied.

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 2025-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my creditreport.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Klarna AB
State: CA

Complaint narrative:
I used a Klarna card to pay for an XXXX order. I returned two items XXXX and XXXX and XXXX completed the refunds. Klarna acknowledges I received the refunds but refuses to recalculate the invoice balance or pause payments. Klarna is requiring continued payments for returned merchandise, which is an incorrect balance. I disputed the charge directly with Klarna and provided proof, but they declined to correct the invoice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Hello, at about XXXX EST, and with no prior correspondence, requests, verification, between myself and Wells Fargo , I received an email from Wells Fargo informing me that the mailing addresses associated with four ( of my five total ) accounts with Wells Fargo have been changed. 
I did not make this request or approve it in anyway. The email had fine print instructing me to call a provided support phone number " if you didn't make this request, so I called the number only to sit in a generic auto attendant for over 30min until I finally spoke to a person. 

This person on the phone told me my address was changed automatically by Wells Fargo because they got a notification from USPS. They could not explain to me or provide any documentation regarding, how USPS would even know that I have an account with WF, how they contacted WF or why, who or when a USPS address change was initiated, why it was ok for WF to change my account information without any verification or correspondence with the account holder myself, or why the address was change on some of my accounts and not others. They simply said it was standard ( whatever that means ) Changing any of my account information, especially my mailing address, without any consent, request, or verification seems like an unbelievable breach in security processes. The implication that it is even possible opens an enormous amount of other potential security flaws.

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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Experian  and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian  and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Credit card — Store credit 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: CLGF Holdco 1, LLC
State: MI

Complaint narrative:
A fraudulent account was set up in my name. A purchase was made on the credit account. I disputed it and notified them that I had been a victim of identity theft. They sent me a letter stating that the information they have is accurate. They then sent me the bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I discovered fraudulent 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 explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: CA

Complaint narrative:
On XX/XX/year> I received a credit from a merchant and they decided to put my account on hold they asked for documents regarding the transaction of a notified transaction to my phone number at the time and I provided all documents necessary during the During the time I count was on hold I did not have access To have any authorization with my account When documents were Received and reviewed they decided to put my count back in good standing Two days later They decide to reverse the credit To the merchant With that they decided to withdraw XXXX for my account Leaving me with an ending balance of a negative of {$750.00} negative

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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
This account does not belong to me and has been incorrectly reported on my credit file ; the information shown is inaccurate and should be corrected.

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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
This account does not belong to me and has been incorrectly reported on my credit file ; the information shown is inaccurate and should be corrected.

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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation