vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I am writing regarding a closed Capital One credit card account that is reporting 31 potentially negative months, with the final status listed as " Paid, Closed. {$490.00} written off. '' The account was opened on XX/XX/XXXX, with a credit limit of {$300.00}. According to my credit report, the highest balance reported was {$490.00}. The last payment was made on XX/XX/XXXX, and the account was closed in XX/XX/XXXX. 

The account shows a long history of charge-offs between XXXX and XXXX. However, I previously disputed this account, and the dispute was marked as complete with no change to the report. The comments also state : " Account closed at credit grantor 's request '' and " Account previously in dispute investigation complete, reported by data furnisher. '' I am seeking clarification or removal of this account based on the following : I do not recall authorizing charges that would exceed the {$300.00} credit limit. 

I was never made aware of the specific timeline or the accumulating interest that pushed the balance to {$490.00}. 

I made a good-faith effort to resolve the matter, including filing a dispute in the past. 

I am requesting the CFPB to : Investigate whether Capital One followed proper notification procedures regarding the charge-offs and balance escalation. 

Clarify why this account still reports 31 months of negative information despite being closed and paid/charged off. 

Request documentation from Capital One validating the debt, balance details, and timeline of missed payments and charge-off actions. 

I am also formally requesting documentation that proves I agreed to and authorized this account, including any signed credit agreement or application, and an itemized statement of charges that led to the reported {$490.00} balance. If Capital One is unable to validate this debt, I request that the item be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions
State: TN

Complaint narrative:
I paid and settle a debt with XXXX XXXX XXXX but they havent removed or updated the dero derogatory information on my credit report and this is preventing me from getting housing and I need this removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX GA XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: CITIBANK, N.A.
State: TN

Complaint narrative:
Someone fraudulently setup a XXXX XXXX using my SS # but in a different name. An inaccurate address, personal info and age was used. I was in high school or college when this was established. 

This is damaging my credit report and prohibiting me from getting a loan. I am in law school presently and working. 

I need the credit reporting agencies and bureau, as well as the collection agency to report accurate information and stop damaging my credit illegally. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN 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 2025-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am reopening a case that was closed by CFPB because Wells Fargo responded. However Wells Fargo responded without providing actual evidence to support their claim that the charges were " authorized '' by my son. Here is my response to the previous case : I strongly dispute Wells Fargos continued position and do not accept their decision regarding claim # XXXX. 

Wells Fargo claims the transactions were authorized or that a processing error did not occur. However, they provide no actual evidence that my son authorized the disputed transactions, only that the transactions were successfully processed through XXXX XXXX. 

That is not the same as proving authorization. It is entirely possible, and increasingly common, for card information to be compromised, added to a digital wallet by an unauthorized user, and used for fraudulent purchases. My son did not authorize any of the charges in question, does not have accounts with the companies involved, and has never heard of many of them. 

To summarize : The charges occurred between XX/XX/XXXX and XX/XX/year>, totaling {$450.00}. 

They came from websites like XXXXXXXX XXXX XXXX XXXX XXXX, all of which are unknown to my son and suspicious in nature. 

These charges were discovered only after the final one posted and triggered a low balance. My son reported the issue immediately. 

The pattern of transactions ( frequent, small charges to shady online services ) clearly indicates fraud. 

Wells Fargo claims they found no indicators confirming fraud. But what efforts did they make to investigate? Did they : Verify the IP addresses, devices, or physical location of the XXXX XXXX transactions? 

Contact the merchants to confirm whether accounts exist in my son 's name? 

Validate whether the XXXX XXXX device ID matched my sons phone? 

To this day, Wells Fargo has failed to provide any documentation or technical proof that supports their position. Simply asserting that a charge was processed is not the same as proving it was authorized. 

I reiterate : My son did not authorize these charges. They are fraudulent, and Wells Fargo has failed to meet its responsibility under Regulation E and other consumer protection standards.

I am requesting that the CFPB require Wells Fargo to provide : A detailed explanation of the criteria they used to determine authorization. 

Documentation showing any XXXX XXXX device or user verification that links these transactions to my sons actual device. 

Confirmation from each merchant that an account exists in my sons name. 

Until that happens, I do not consider this case closed. Wells Fargos decision is unacceptable, and I am requesting that this matter remain open for further review.

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 2025-07-03 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: FL

Complaint narrative:
On XX/XX/year>, I contacted Experian regarding an account reported by XXXX ( Account # XXXX ), which I had previously disputed due to multiple factual inaccuracies. The Experian agent ( XXXX or XXXX XXXX claimed they had verified the account with XXXX, but when I asked for documentation of the reinvestigation procedures and findings, I was refused repeatedly. 

I explicitly requested black and white paperworkpursuant to FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) that outlines how the reinvestigation was conducted. Instead, the agent offered to simply call XXXX again as a substitute for providing documentation, which is not compliant with the law. 

After this refusal, I asked why I was transferred to another department without explanation. When I asked why, the agent stated it was because of a " compensation request filed through the CFPB. '' I consider this retaliation and an inappropriate response to a legitimate dispute inquiry. 

I immediately contacted XXXX at XXXXXXXX XXXX  and spoke with a representative named XXXX. XXXX confirmed that XXXX had not received any dispute or reinvestigation requests from Experian and had not spoken to anyone at Experian regarding this account. 

This clearly shows that Experian falsely verified the account and failed to perform a proper reinvestigation, in violation of : FCRA 1681i ( a ) ( failure to reinvestigate ) FCRA 1681e ( b ) ( failure to maintain maximum possible accuracy ) FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) ( failure to provide reinvestigation procedures upon request ) Note : Please see attached documents of proof of Address & Identity.

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 2025-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
This credit card debt has been placed on my credit report unlawfully. Please remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: NM

Complaint narrative:
Pursuant to the provisions outlined in 15 U.S.C. 1666b, payments received by creditors must be promptly credited and reported accurately. I hereby dispute the erroneous reporting of late payments on the following accounts : mortgage loan account opened at XXXX XXXX on XX/XX/year> account number XXXXXXXX XXXX XXXX mortgage loan account opened at XXXX XXXX on XX/XX/year> account number XXXXXXXX XXXX XXXX mortgage loan account opened at XXXX XXXX on XX/XX/year> account number XXXX XXXX XXXX, as my payments were submitted timely. 
I demand immediate removal of this reporting error from my credit file. Failure to comply with this request may subject your agency to legal liability for violating federal law. Confirm the results of your all corrections made to my credit report within seven ( 7 ) calendar days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: TX

Complaint narrative:
I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2025-07-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-07-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I had a XXXX XXXX XXXX with American Honda XXXX they reloaded the vehicle in XX/XX/XXXXXXXX  and sent the vehicle to an auction I tried requesting the vehicle back and they refused to give it back to me and told me I had to give them {$33000.00} which it was a lease vehicle with a balance of {$14000.00} left Im trying to remove the vehicle off my credit report since I no longer have access to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
Yes I had a XXXXXXXX XXXX XXXX loan check come in from XXXX XXXX, I deposited the check into my Wells Fargo account XX/XX/year> they release XXXX XXXX that day and said the rest was gon na be available XX/XX/year>, wake up this morning and all of it is gone including the XXXX XXXX  and come to find out they put a hold on it, when I asked why all they said was contact XXXX XXXX and I did so but they said the check was good ready to be deposited, and said that they could verify the check if Wells Fargo contacted them or if I contacted them and had Wells Fargo on the line, when I contacted Wells Fargo they tell me they dont know why the hold was put on and that it doesnt matter if XXXX XXXX will verify the check the hold stays until the XXXX, also because I thought I had money in the account its now overdraft and they said they were gon na charge me an overdraft fee

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 2025-07-03 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX PA XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: TRUIST FINANCIAL CORPORATION
State: KS

Complaint narrative:
I was involved in a XXXX  XXXX issue. I was unable to make payments. I also aunt and uncle who raised me in the house fire. I was trying to take care of my family of XXXX. Things recently ended tragically with my child father and so I had to move for my safety.

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 2025-07-03 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: TX

Complaint narrative:
I recently discovered a collection account listed on my credit report that I was never made aware of until it was already reported. I did not receive any statements, communications, or validation notices from the original creditor or the collection agency. Reporting a debt without first providing the opportunity to dispute or resolve it violates my rights as a consumer.

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 2025-07-03 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-07-03 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 have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc . 
continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. 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 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