vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 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: GA

Complaint narrative:
I am submitting this complaint due to Equifaxs failure to remove outdated, inaccurate personal information and unverifiable accounts from my credit file even after I submitted a valid dispute with supporting documentation.

I previously requested removal of outdated names and old addresses not associated with my current residence or valid obligations. These outdated identifiers are being used to tie me to derogatory and unverifiable tradelines ( including the XXXX XXXX XXXX XXXX charge-off ). 

Despite receiving a utility bill and bank statement as proof of my identity and current address, Equifax did not update my personal information and did not delete the unverifiable accounts linked to that old data a violation of FCRA 611, FCRA 607 ( b ), and Metro 2 compliance standards. 

This continued reporting is materially misleading, harms my creditworthiness, and shows a lack of adherence to the accuracy and integrity requirements of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: FL

Complaint narrative:
I recently discovered that my account was marked as late open and charged off due to payment issues I was unaware of. After reviewing my records, I believe there may have been misunderstandings or missed payments that could have been resolved. As per the Fair Credit Reporting Act ( FCRA ), it is my understanding that any inaccurate information or unresolved disputes should be addressed promptly. I respectfully request a thorough review of the account and its status, as the details provided seem inconsistent with my records. 
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 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 2025-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I made a claim to Wells Fargo regarding an unauthorized payment from XXXX for services I did not use or authorize on XX/XX/XXXX. They ended up deny it not giving me any information. The website XXXX  is still trying to charge my card every month. I had to make a new debit card for this reason. The claim number with Wells Fargo is # XXXX. 

I have not used XXXX nor does it justify a $ XXXX charge on XX/XX/XXXX of 2025 with this account. I have tried to contact render with no support available for me and it seems wells fargo mis classifed my claim as if XXXX  charged me over and over again. This was an unauthorized charged by a company that is continuing to harrass and solicit me for payments. Wells Fargo did not due a proper job of asking me for information nor filing the claim properly. XXXX  also does not have an option to remove cards from their portal so i had to report my card as lost and request a new one.

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 monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against XXXX XXXX regarding an account I have with them XXXX * *. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX  ) XXXX * * * * Balance : {$200.00} ( Original Creditor : ) XXXX * * * * Balance : {$1000.00}. 

I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with XXXX XXXX buttonoavail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Account # XXXX This letter serves as my formal dispute and demand for validation of the alleged debt referenced above, as currently reported on my consumer credit report as of XX/XX/year>. Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ), I hereby dispute this alleged debt in full and demand strict validation within 30 days of receipt of this letter. Until that time, you are prohibited by federal law from engaging in further collection or furnishing activity.

You are hereby required to furnish the following : The original contract or agreement bearing my wet-ink signature, which allegedly creates a binding obligation for this debt.

A detailed payment history and accounting that justifies the claimed {$630.00} balance.

Proof that you own or have been legally assigned this debt, including all transfers, sales agreements, or assignments.

Proof that you are licensed and bonded to collect debt in the State of Georgia, in compliance with O.C.G.A. 7-3-29, 7-4-3, and any applicable federal requirements.

Proof of permissible purpose under FCRA 604 to access and report to consumer reporting agencies on this matter.

METRO 2 AND FCRA VIOLATIONS You are reporting a collection account with a {$630.00} past due balance, which is a flagrant violation of Metro 2 credit reporting standards. Once an account is charged off and sent to collections, it is no longer legally permitted to report as past due. This is deceptive and materially misrepresents the nature of the account.

Violations include : FCRA 607 ( b ) Failure to assure maximum accuracy FCRA 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information known to be false or unverifiable Metro 2 XXXX  Misuse of Past Due in collection status reporting

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: SC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX, XX/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 explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMO BANK NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I attempted to get a loan XXXX  and they said my XXXX XXXX report came back with information that would not allow them to open an account. The information is from XXXX XXXX XXXX XXXX BMO that states I have an outstanding balance. I have a letter from XXXX XXXX XXXX XXXX  from a previous issue that the account was closed on XX/XX/year> It does not mention an outstanding balance when I call XXXX XXXX they have no record of this account and I can not get it removed from the XXXX XXXX because theres no record and it was reported with an outstanding balance, but the XXXX  has no record I ever had an account with them. I also have confirmation from XXXX XXXX that they refunded funds to this account that XXXX XXXX XXXX XXXX XXXXXXXX were rejected. XXXX never got the funds returned. 
I want this off my Chex systems report.

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 2025-07-08 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, 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 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 's inaction violates federal law and 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 explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$12000.00} Date Opened:XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I, XXXX XXXX XXXX, am providing this statement of facts regarding my Santander auto loan account ending in XXXX, which was opened on XX/XX/XXXX, and associated with a XXXX XXXX XXXX XXXX XXXX. 
On or around XX/XX/XXXX, the vehicle was returned to XXXX XXXX XXXX as part of a dealership buyback agreement due to the vehicle qualifying as a lemon under applicable consumer protection laws and manufacturer terms. As a result, the dealership assumed responsibility for paying off the full remaining loan balance directly to Santander Consumer USA.

Following this transaction, I was released from any further obligation on the loan, and the account was fully satisfied by the dealership. However, instead of reporting the account as Closed Paid in Full or Closed Assumed by Dealer, Santander has since removed the account entirely from my credit reports, which has negatively affected my credit score and erased a valid account history.

This account was in good standing at the time of the buyback and should not reflect as deleted or removed. I am requesting that Santander re-report this account accurately with the appropriate closed and paid status to all three major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: WA

Complaint narrative:
I attempted to get a loan XXXX  and they said my check systems report came back with information that would not allow them to open an account. The information is from XXXX XXXX XXXX XXXX XXXX that states I have an outstanding balance. I have a letter from XXXX XXXX XXXX XXXX from a previous issue that the account was closed on XX/XX/year> It does not mention an outstanding balance when I call XXXX Bank they have no record of this account and I can not get it removed from the Check systems because theres no record and it was reported with an outstanding balance, but the MO has no record I ever had an account with them. I also have confirmation from XXXX XXXX that they refunded funds to this account that XXXX XXXX XXXX XXXX states were rejected. XXXX never got the funds returned. 
I want this off my Chex systems report.

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 2025-07-08 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
This letter serves as a formal dispute regarding the inaccurate, misleading, and incomplete information being reported on my credit file concerning the following account : \ Credit Acceptance Account Type : Auto Loan Account Status : Open Payment Status : 120+ Days Late Last Payment Reported : XX/XX/year> Reporting Bureau ( s ) : XXXX XXXX XXXX XXXX XXXX  specify which Summary of Inaccuracies, Misleading Reporting, and Integrity Violations I have identified significant inconsistencies, inaccuracies, and reporting failures that not only violate my rights but undermine the integrity of the credit reporting system itself : Contradictory Account Status This account is reported as Open and 120+ Days Late, yet when I contacted the creditor on multiple occasions to resolve this matter and make payments, I was informed that the account had been transferred to a third party and that legal action has been initiated against me. 

Despite these facts, the account continues to be reported as active and delinquent, which is incomplete, misleading, and violates my right to accurate reporting. 

Inability to Resolve the Account I made multiple good-faith attempts to make payments on this account but was explicitly told by the creditor that they could not accept payment due to the account being transferred and legal action pending. It is both unethical and inaccurate to penalize my credit report while simultaneously denying me the opportunity to resolve the debt. 

XXXX XXXX Discrepancies A payment is documented as being made on XX/XX/year>, yet the account remains reported as 120+ Days Late, reflecting inaccurate delinquency and further supporting my position that this reporting can not be trusted.

Violation of Reporting Integrity The continued reporting of this account as open and delinquent while omitting the fact that it has been transferred, is the subject of legal action, and can not be resolved directly with the original creditor, undermines the integrity of the credit reporting system as a whole. The system depends on complete, accurate, and transparent information this account fails to meet those basic standards. 

Applicable Laws Supporting Immediate Deletion Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1681s-2 ( a ) : Data furnishers must report accurate, complete, and updated information.

1681e ( b ) : Consumer reporting agencies are required to maintain maximum possible accuracy.

1681i ( a ) : If information can not be verified as accurate and complete, it must be deleted.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

If the account has been transferred to a third party, accurate reporting of that status is required. Misrepresentation or concealment of that fact violates federal 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 explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I am filing this complaint against Cash App ( by Block , Inc. ) due to a deceptive and financially damaging experience related to their mobile check deposit feature on XX/XX/year>. On that date, Cash App gave me the option to cash a check through its app, with no warning or notice that I might not be eligible to use the feature. I proceeded to endorse my {$140.00} check as instructed ( For Cash App deposit only ), and after submitting it, the app failed to process the deposit. When I contacted Cash App support, I was told that my account was not eligibledespite being over 18 and having a verified accountand that there is no process to become eligible. They further stated that although the feature was visible and accessible in my app, they reserve the right to determine eligibility and provide no notice or criteria beforehand.

As a result of following their process in good faith, my check is now unusable elsewhere due to the restrictive endorsement, and I have effectively lost {$140.00}. I believe Cash Apps failure to disclose any warnings, restrictions, or eligibility requirements before prompting me to endorse and submit the check constitutes an unfair and deceptive business practice. I am requesting that Cash App either complete the deposit or reimburse me for the full amount of the check. I ask the Consumer Financial Protection Bureau to investigate this issue and take appropriate action to prevent similar harm to other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hi my name is XXXX XXXX, I am the owner of my Chase account, with routing numberXXXX ; an account number:XXXX I am devastated to have found out that my account has most likely been compromised for a good amount of time without me knowing. I use chasedaily, but lately Ive been using it mostly as a savings account for my life savings rather I transfer the funds from my other bank accounts or I have funds from my business sales sent directly to my chase fromclients. I have been adding funds and sending funds for a while as Im in the process of moving from XXXX  to XXXX  .. Since around XXXXXXXX XXXX XXXXXXXX Ive been saving for this move, so since then I have been either adding cash manually with my card or transferring my balance from other accounts.

The issue is, I never look at my balance I always just load it an assume its there as its always been the whole time Ive been a customer with you guys, which is now almost 5 years counting both accounts I had .. I know for a fact since XX/XX/XXXX I had to have at least XXXX XXXXXXXX {$30000.00} in my account with very minimal spending if any. I know I have spent defiantly since then, at least XXXX since then an now. 
I was trying to call an update my address to the new place Im moving to at the end of XXXX, but I wasnt able to over the phone with an associate who didnt speak XXXX, so I headed to the app, However upon logging in for the first time in a while, I logged in on my mobile to find that my entire account was drained with MULTIPLE transactions from places an states I never been to ( Mainly TEXAS ), also large sums of money withdrawn. I believe either the XXXX XXXX speaking phone agent misUnderstood me an sent a 2nd card out to some random address in TEXAS  that I didnt say an someone has it or my card was copied somewhere when I went to Texas back in XXXX to look at places an someone has been taking full advantage of my account. So soon as I seen this I tried to call chase customer support only to be yelled at by someone who had an accent I could not understand at all..... I called again only to be connected with another XXXX speaking associated trying to explain this complex situation. Both were to no avail, so I updated my address through the app an I am reaching out now to get my money back, a new card, an just to get this matter solved immediately! I am in the hole with my business, I owe child support, My rent is overdue an I am to be evicted.... I was waiting to make a big move in XX/XX/XXXX to XXXX  so I have been trying to make it without going into my savings, an the moment I go, nothing is there. Its very sad, at least {$15000.00} worth of deposits/transactions nowhere to be found. I really need my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Spring Oaks Capital, LLC
State: WI

Complaint narrative:
Spring Oaks Capitol keeps calling repeatedly daily. On XX/XX/2025 for example they called 23 times. They leave no voicemail. I called the number back when I was free to do so and had to request they identify themselves because they failed to do so when they answered and all they did when answering the call was ask for me by name. Once I asked they identified themselves and I informed the guy that 23 repeated calls in one day was a violation of FDCRA and to stop calling. He was silent for about 30 seconds and I stated if they called again I would follow up with civil action for harassment and telecommunications harassment/ abuse. He finally said ok and hinged up.

Company response to consumer: Closed with non-monetary relief