vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with cash advance — 
Company: NTFN INC.
State: CT

Complaint narrative:
I have had calls from XXXX XXXX, I had XXXX calls XXXX between the times of XXXX XXXX  and XXXX XXXX  in these times, when speaking to people 5 times and telling them to take me off their call list and I'm not interested in a loan, I got push back of we're a new company on XX/XX/XXXX, but the other 4 times I told them from XXXX to XX/XX/XXXX I told them I've asked them to stop calling me and I'm not interested and when I said it was harassing I was just hung up on. This is harassing, I already told them I am not interested in any type of loan.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: OH

Complaint narrative:
Business checking Application number : XXXX Hi, I filed a complaint with US Bank in regards to fraudulent checking account open back XX/XX/year>. US Bank investigate and agree I was a victim of identity theft and wipe charge off accounts that were in collections clear. 

Please reference CPFB CASE # XXXX US Bank claims XXXX XXXX I currently have personal checking and saving with US bank in good standing. identity theft cases are closed. however when I go to apply for additional products with US Bank my applications are automatically being denied because of the resolved identity theft case. 

I've applied for business checking accounts with two different XXXX XXXX Both application were flag and I went thru verification process. Informed a agent and a business checking supervisor about resolved identity theft case that I won prior to apply for a business checking account. I was told it wouldn't be a factor but my applications keep getting denied. when inquire as to why its keeps getting denied they state its because of the resolved identity theft case. 

I submit requested documents my information matches what on application I've scan my ID and took selfie yet application automatically gets 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 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: PCR Group
State: MI

Complaint narrative:
My debt was disputed, and now they have sent me 2 more pieces of mail, after I wrote them to stop contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: WY

Complaint narrative:
I reviewed my credit reports and noticed the status as well as payment history was improperly reported on the loans and did not get updated. the loans were showing active status and did not report positive history up to XX/XX/year>. Loans were also forgiven due to a legal ruling over the higher education institution under the loan.

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 2025-09-25 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: WY

Complaint narrative:
I reviewed my credit reports and noticed the status as well as payment history was improperly reported on the loans and did not get updated. the loans were showing active status and did not report positive history up to XX/XX/year>. Loans were also forgiven due to a legal ruling over the higher education institution under the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX COAF Re : Demand for Proof of Permissible Purpose Hard Inquiry Dated XX/XX/XXXX To Whom It May Concern : My XXXX XXXX consumer credit file reflects that COAF accessed my credit on XX/XX/XXXX. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), a consumer report may only be obtained with a permissible purpose. 
I demand that you provide, within 30 days, competent written proof of permissible purpose, such as : - A signed credit application bearing my signature - A signed written authorization specifically allowing this inquiry - Contractual documents with my signature clearly establishing permissible purpose If you can not provide such proof, you must instruct XXXX XXXX to delete this inquiry and confirm to me in writing. 

Sincerely, XXXX XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
I received a pre-approval letter from Capital One for the XXXX credit card and applied as instructed. During the application process, I was asked to provide my Social Security Number and photo ID, which I did. Despite providing this information, my application was declined with the reason given as failed to verify identity. 

After receiving the denial, I contacted Capital One customer support and talked to the manager. I told them that I can provide the document again while we are talking on the phone. They informed me that nothing could be done, would not provide any further explanation, and stated that while the call was recorded, they could not share the recording with me for proof. I was also told the application could not be reopened or corrected to resolve whatever issue caused the denial. 

As a result, this denial has left a hard inquiry on my credit report, which negatively impacts my credit score even though the denial was due to Capital Ones process rather than my creditworthiness. I also received no clear explanation of what caused the identity verification failure, which prevents me from resolving the issue in the future. Finally, I feel that receiving a pre-approval letter but being denied without transparency is misleading, has wasted my time, and has caused unnecessary stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: RI

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at ( ACCOUNTS ) on ( DATE M/Y ) and fraudulent inquiries : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # FTCNUMBER, as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
From XXXX XXXX thru XXXX XXXX, 2025, I tried repeatedly ( 5 times ) to contact TransUnion Credit Bureau ( one of the absolute WORST and most unhelpful of the three bureaus but XXXX  is just as bad ) to remove a FRAUD ALERT from my credit report. When I called numerous times, I was unable to get the fraud alert removed because the horrible, practically non-XXXX  speaking reps kept telling me to call back the next day or in an hour. I did this repeatedly ( called back ) and then they told me I had called too many times and I was basically out of luck. WHO ARE THESE WRETCHED PEOPLE? They can't process anything and seem demented! This happened repeatedly. I tried to register for an account on TransUnion but again, the site told me to call, and subsequently nothing worked. .They just kept telling me to call back tomorrow. Oh, and one agent asked me questions that made NO SENSE WHATSOEVER, partly because she spoke with just a heavy accent and her cheap phone kept cutting in and out and I could only hear every other word she spoke. If you could call it speaking anyway. The credit bureaus are a total waste of time, especially since they are no longer XXXX based but instead in some awful place where don't speak XXXX very well, are stupid, and have AWFUL phone connections. They must be working in fields someplace or other!

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 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge 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: DISCOVER BANK
State: IL

Complaint narrative:
Notice of disputed charge to Account No. [ Both accounts ending in XXXX SS # ) Dear CFPD I am writing to dispute charges of [ approx. {$20000.00} between two cards ] to my credit card accounts with Discover in XXXX and XXXX. The charge is in error because I did not buy the items, as supplied in detailed proof to them down to the IP address showing purchases were mostly made in XXXX Arizona. This was completely cleared with the regular fraud department, then all of a sudden I was sent a letter that the XXXX  were removing fraud charges because their phone numbers was on my credit card account and was clearly not made by me. Then my 2nd card was charged in XX/XX/XXXX, while under investigation by the police department and the same department, consumer protection services just charged them both off. 

I am requesting that the errors be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement and my refund checks. I have requested any and all details the company had to counter the company letters I sent them proving fraud. That department refuses to speak to me because two of their employees gave recorded statements to the police that I was actually owed money which is why I believe they charged it off, which is against the law during a fraud dispute.

Please advise them to correct all errors on my account promptly. We have XXXX, XXXX, and XXXX trying to work with them, with the same issue They just hang up They boast 0 % fraud liability but clearly follow illegal practices. Please help with the return of my money My wife is deathly ill and they have impacted my credit score from XXXX to XXXX with no remorse. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc.
State: OK

Complaint narrative:
Contacted by Credit Collection Services XXXX XXXX XXXX, XXXX, MA XXXX regarding a debt via text multiple times

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: FL

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-09-25 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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. This fraudulent, inaccurate, and false information consists of a credit card under account name XXXX XXXX XXXX XXXX account # XXXX, opened on XXXX2024 with {$8500.00} balance. 
A account under XXXX XXXX XXXX XXXX account # XXXX, opened on XXXX2024 with a {$54000.00} balance. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my FICO consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my FTC identity Theft Criminal Complaints # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard Inquires are the result or identity theft and fraud.

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 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Dear CFPB, I am filing a complaint against Wells Fargo regarding a series of XXXX XXXX  charges on my Wells Fargo credit card. 

Between XX/XX/XXXX and XX/XX/XXXX, my Wells Fargo credit card was charged {$12000.00} for in-app purchases made through XXXX. While my overall losses across multiple accounts ( credit and debit combined ) exceed {$250000.00}, this complaint is specifically about the {$12000.00} in Wells Fargo credit card charges. 

These transactions were authorized, but they were induced by predatory, manipulative, and gambling-like mechanics ( coin gifting, PK battles, competitive spending pressure ) that were never properly disclosed or described. The app was marketed as harmless entertainment, but in reality, it was designed to exploit vulnerable users and drive compulsive spending. This has caused me severe financial hardship, and I am now at risk of bankruptcy.

When I attempted to dispute these charges : A Wells Fargo representative ( XXXX XXXX ID XXXX ) told me that my claim could not be opened because the transactions had already been disputed as fraud in the past. 

I clarified that this was not fraud, but a case of misrepresentation and unfair practices, which should be logged as a new type of dispute. 

Only after I referenced the Consumer Financial Protection Bureau ( CFPB ) did Wells Fargo escalate me to the Executive Office. 

There, a representative named ( XXXX XXXX ) finally opened a new dispute and provided me with a dispute case reference number - XXXX I am requesting that Wells Fargo be required to : Issue a full refund/credit of {$12000.00} for these XXXX XXXX charges, since the services were not as described and were predatory in nature. 

Provide a written resolution explaining how these refunds will be applied. 

Ensure that future consumer disputes are not improperly blocked by citing past fraud disputes or arbitrary excuses. 

The key issue is not dissatisfaction but misrepresentation, predatory mechanics, and unfair business practices. Wells Fargos initial refusal to log my claim, their incorrect reasoning, and their eventual action only after I mentioned CFPB are deeply concerning.

I can provide supporting documentation ( transaction statements, dispute reference number, and communications with Wells Fargo representatives ) if required.

I request that the CFPB hold Wells Fargo accountable and ensure that I receive a full refund/credit of {$12000.00} for these harmful charges.

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 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I think LVNV FUNDING LLC is the same as XXXX XXXX. One says I owe {$650.00}, with {$490.00} as highest balance. Never had a credit limit that high, plus the interest is so high. XXXX XXXX has my balance as {$720.00}. On the account XXXX XXXX is stating unknown " worst pay status '', and that no payments were reported. Also, I know I did not have a {$700.00} limit. Never. Want to know why the fees are high, nothing reported, why no payments reported? Fraudulent activity in trying to get that money. I think both accounts are linked because one of them changed name or transferred the account. Please verify

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: RI

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at ( ACCOUNTS ) on ( DATE M/Y ) and fraudulent inquiries : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # FTCNUMBER, as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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