vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 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: NJ

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
For the last XXXX weeks, I have been making various reservations in connection with a planned trip to XXXX. All my attempts to purchase tickets for the popular XXXX XXXX from XXXX Tours have failed because my credit card was declined. I own only XXXX credit card, from Wells Fargo ; I am not a believer in having a bunch of them, because it seems fiscally imprudent. I have contacted both sides of the proposed transaction about this, and it seems pretty clear the problem is on Wells Fargo 's end. I have spoken at least 6 times with Wells Fargo Customer Service about this situation, and have been told over and over by them at the end of calls that my card now has no relevant restrictions and will work when next I run the transaction. Then the charge fails to go through again. 

Several of the calls have been lengthy, with Wells Fargo requesting detailed information to verify my identity ( although it seems to me likely that Wells Fargo can see from my account data that I am having a continuing problem with this transaction ). On XXXX occasion ( not my first call ), I had to provide a scan of both sides of my driver 's license via a third-party verification site. 

I am nowhere near my credit limit and always pay the statement balance when due ( I XXXX have forgotten to pay it once, in which case I paid the amount due in the succeeding month ). Also, after XXXX of these calls my account was frozen -- purportedly at my request, but I made no such request.

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 2025-06-12 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: MA

Complaint narrative:
I have disputed this through Experian since it is an account that was deleted a few years ago and now appearing under debt for a third party collection agency

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 2025-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , 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 XXXX CA XXXX ACCOUNTS : INQUIRIES : XXXX  Date : 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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am disputing inaccurate personal and employment information being reported by Experian. The only correct personal information that should be on my credit report is : Name : XXXX XXXX XXXX, Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX. Experian is reporting incorrect employer informationspecifically RESURGENT and XXXX XXXX  XXXXwith which I have no affiliation or employment history. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate credit file. This includes : Section 1681e ( b ) : requiring reasonable procedures for maximum possible accuracy.

Section 1681i : the right to dispute and have unverifiable data removed.

Section 1681g : the right to know whats in my file. 

I am requesting immediate removal of all incorrect names, addresses, and employer data. Please investigate, correct these errors, and provide confirmation and an updated credit 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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a complaint on XX/XX/XXXX, per reference ID XXXX regarding reverse of late payments. It has been nearly 30 days, and Equifax has failed to do so. Thier simple response is stating it might take 60 days to review. Inaccurate reporting should take NO LESS than 30 days, especially when the supporting documentation proves it. In my previous complaint, I send a screenshot of the accounts that CLEARLY SHOW Equifax is not doing what they're supposed to do by law, per 16 USC 1681 ( a-c ) The following accounts have not been updated yet : XXXX XXXX Account Number : XXXX Dates/Months Reported Late : EQUIFAX : XXXX XX/XX/XXXX TO XXXX XXXX, 60 days, 90 days, 120 days, 90 days XXXX XXXX : From XXXX TO XX/XX/XXXX : 30 days, 90 days, 60 days UPDATE PAYMENT HISTORY 100 % ON TIME IMMEDIATLEY XXXX XXXX XXXX  Account Number : XXXX Date/Months Reported Late : EQUIFAX : XXXX XXXX, 60 days. XXXX XXXX, 90 days IDENITY IQ : XXXX XXXX, 60 days UPDATE PAYMENT HISTORY 100 % ON TIME IMMEDIATLEY XXXX XXXX XXXX Account Number : XXXX Date/Months Reported Late : EQUIFAX : XXXX XXXX, 60 Days IDENTITY IQ : XXXX XXXX, 30 Days UPDATE PAYMENT HISTORY 100 % ON TIME IMMEDIATLEY IT SHOWS THIS ACCOUNT CLOSED XX/XX/XXXX. I NEVER OPENED A XXXX ACCOUNT WITH THIS BANK. DELETE IMMEDIATLEY!!! 

Their lack of proper investigation and unfixed errors is unacceptable

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
Looking to refinance with Freedom Mortgage. Was on phone with her XX/XX/year> @ XXXX about getting a better rate and getting rid of my private mortgage insurance. XXXX XXXX is XXXX and I have equity condo. She said she would call me back in a 1/2 hour. Nothing. I called her to follow up @ XXXX and left a message. No return call. Called this morning @ XXXX mountain ( they are eastern time ) and left a message once again. I have a right to refinance my property through the same company. Will be looking elsewhere at this time. Shouldnt have to.

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 2025-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am writing to formally submit a complaint against Capital One regarding a recent experience I believe violates the Truth in Lending Act ( Regulation Z ). 

On XX/XX/XXXX ( posted on XX/XX/XXXX ), I made a {$400.00} payment to my Capital One credit card using my regular bank account through an ACH transfer. This payment has already cleared my bank ( XXXX ), yet Capital One has placed a 30-day hold on the corresponding available credit. I was not informed of this hold at the time of payment, nor was there any disclosure or advance notice regarding this unusual delay in restoring my available credit. 

Historically, my available credit has been updated almost immediately after payment, and this {$400.00} payment is not unusual or out of pattern. Upon contacting Capital One directly, I was told that the credit would be held for four weeks and that there was nothing that could be done to expedite or reverse it. No explanation was provided as to why this specific payment triggered such a hold, and no Capital One representative was able to offer further assistance or justification. 

I have had this account for multiple years and currently also maintain a Capital One auto loan in good standing. This experience is inconsistent with my payment history and appears to be arbitrary and undisclosed, potentially violating Regulation Z, which requires timely and clear disclosures of any material changes affecting credit availability.

I am requesting a formal investigation into Capital Ones failure to notify me of this credit hold, and whether this practice aligns with fair and legal consumer credit practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 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 a 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
I am a victim of identity theft, and ChexSystems is reporting a fraudulent account that I did not open, authorize, or participate in. The fraudulent item was reported by University XXXX Michigan XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX. 

The report lists me ( XXXX XXXX XXXX ) as having an unpaid charge-off account ( # XXXX / XXXX ) for {$4900.00} closed on XX/XX/XXXX for Suspected Fraud Activity. This account is not mine, and I did not authorize any transactions related to it. 

This account is accompanied by unauthorized inquiries from the following institutions, all of which relate to identity theft and were not initiated by me : XXXX XXXX XXXX XXXX XXXX ( Inquiry Date : XX/XX/XXXX ) XXXX XXXX XXXX ( Inquiry Date : XX/XX/XXXX ) XXXX XXXX XXXX  ( Inquiry Date : XX/XX/XXXX ) XXXX XXXX XXXX ( Inquiry Date : XX/XX/XXXX ) I have submitted my official FTC Identity Theft Report ( # XXXX ), a copy of my government-issued ID, and proof of address directly to ChexSystems. Despite receiving all of this, they have not removed or blocked the fraudulent account as required by law. 

Under FCRA Section 605B [ 15 U.S.C. 1681c2 ], ChexSystems must block any information resulting from identity theft within 4 business days of receiving proper documentation. They have failed to comply, and this ongoing inaction is not only a violation of my federal rights it is actively harming my financial life and access to basic banking services.

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 2025-06-12 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: U.S. BANCORP
State: OR

Complaint narrative:
Hello Ive {$98.00} in my account I cant use my money I cant transfer to my relative other account. US ReliaCard keep doing this to me. Have contact them several times about this issue. But they keep holding my fund.

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 2025-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Central Portfolio Control Inc.
State: GA

Complaint narrative:
I am submitting this formal complaint concerning Central Portfolio Control , Inc. ( CPC ) in relation to an alleged debt currently attributed to XXXX XXXX XXXX. XXXX has repeatedly contacted me about this account. However, I believe their actions violate the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate the matter. 

To date, I have not received any proper written validation notice from XXXX XXXX XXXX within five days of initial contact, as required under 15 U.S. Code 1692g ( a ). I have no record of receiving a debt validation letter disclosing the amount of the debt, the name of the original creditor, and my rights under the law to dispute the debt within 30 days. This notice is mandatory and can not be substituted by a phone call or electronic message alone. 

Additionally, I am confused about who currently owns and services this debt. According to previous CFPB responses and my credit reports : The original creditor was XXXXXXXX XXXX XXXX 
The debt was allegedly transferred to XXXX XXXX XXXX. 
I have also been contacted by XXXX XXXX XXXX, XXXX XXXX XXXX, and now Central Portfolio Control, each claiming some connection to this debt. 
None of these parties has clearly and formally explained the chain of custody or provided legal documentation showing that they are authorized to collect this debt on behalf of the current legal owner. 

This lack of transparency, coupled with repeated third-party contact, raises serious concerns about : Unauthorized or unlawful debt collection, Possible violation of data privacy laws, and The potential for erroneous credit reporting. 

What Would Be a Fair Resolution : I respectfully request that the CFPB take the following actions :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: IL

Complaint narrative:
I recently received a copy of my Experian credit report and found several inaccuracies with my account from XXXX XXXX.This account is affecting my ability to obtain credit and it is affecting my credit score. I am requesting this account be removed from my Experian report per the 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 explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
A tradeline labeled XXXX XXXX PayPal appeared on my XXXX credit report in XX/XX/year>, reporting a balance of {$1600.00}. I have no knowledge of this account, never applied for or used a credit line with XXXX or PayPal, and have received no statements, bills, or validation. I believe this is either a reporting error, fraudulent account, or a case of mistaken identity.

This tradeline violates the following consumer protection laws if
documentation can not be verified : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i : A credit bureau must investigate disputed information and remove or correct it within 30 days unless verified.

2. FCRA 15 U.S. Code 1681s-2 : Furnishers of information ( like XXXX ) must only report accurate information and must conduct a full investigation upon notice of a dispute. 
3. FCRA 15 U.S. Code 1681b : Only permissible purpose allows access and reporting of credit. If the account wasnt authorized or does not belong to me, reporting it is unauthorized.

4. FCRA 15 U.S. Code 1681g : As a consumer, I have the right to a full disclosure of what data is being reported about me and from whom.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX Subject : Cease and XXXX XXXX XXXX XXXX and XXXX Dear Midland Funding LLC, This letter serves as my formal Notice to Cease and Desist all forms of communication and collection efforts regarding any alleged debt in my name. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( c ), I hereby demand that you immediately cease and desist all communication with me regarding this alleged debt. Please be advised that I consider reporting to any credit bureau as a form of communication. Therefore, you are instructed to cease reporting or verifying this alleged account with any credit reporting agency, effective immediately. 

I dispute the validity of this debt, and your continued attempts to collect or communicateincluding through indirect means like credit reportingconstitute a violation of my consumer rights under federal law. 

Let this letter serve as legal notice that if you do not cease all collection and credit reporting activities, I will not hesitate to pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and considering civil litigation. 

Please confirm in writing within 10 days that you have complied with this cease and desist demand. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: LA

Complaint narrative:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2025-06-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc.
State: NY

Complaint narrative:
Re : Complaint against MoneyLion Dear CFPB, I am writing to submit a complaint against MoneyLion regarding a dispute over a loan payoff amount. According to MoneyLion, I owe an additional {$21.00} on a loan that I believe I have already paid in full. 

On XX/XX/XXXX, I was informed that I owed an additional {$21.00} on my XXXX XXXX XXXX XXXX XXXX, despite having paid the payoff amount of {$150.00} in full. I dispute this claim and believe that the loan has been paid in full. 

I have tried to resolve this issue with MoneyLion, but they have not provided sufficient documentation to support their claim. As a result, I will be pursuing legal action against them if this matter is not resolved to my satisfaction. 

My loan information is as follows : Loan account number : XXXX Loan type : Credit Builder Plus Loan I request that the CFPB review this matter and assist in resolving the dispute. Please let me know if you need any additional information from me. 

Sincerely, XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: FL

Complaint narrative:
To date, neither the credit reporting agencies, the data furnishers, nor the originating creditors 2 of 3 have provided any sufficient documentation to prove that the reporting of these accounts is lawful, accurate, or authorized. No contract, original source records, or permissible purpose disclosures have been produced.

As such, under the doctrine of estoppel by silenceas upheld in Engelhardt v. Gravens ( Mo ) 281 S.W. 715, 719your failure to respond with legally sufficient evidence constitutes a legal presumption that no such proof exists, and therefore no lawful basis for reporting remains.

Company response to consumer: Closed with non-monetary relief