vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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: MI

Complaint narrative:
b'I am formally disputing the listed items on my credit file as they appear to result from a data breach and/or identity theft. Pursuant to the Fair Credit Reporting Act (15 U.S.C. 1681 et seq.), you are legally required to conduct a reinvestigation, and failure to comply may result in immediate legal action.\nDisputed AccountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDisputed Hard Inquiries:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: MI

Complaint narrative:
b'I am formally disputing the listed items on my credit file as they appear to result from a data breach and/or identity theft. Pursuant to the Fair Credit Reporting Act (15 U.S.C. 1681 et seq.), you are legally required to conduct a reinvestigation, and failure to comply may result in immediate legal action.\nDisputed AccountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDisputed Hard Inquiries: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 explanation
Consumer complaint received 2025-12-01 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: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I am writing to file a formal complaint regarding Wells Fargo 's handling of my funds after they closed my account, preventing me from receiving my balance of {$14000.00}. 
My account at Wells Fargo was closed without my consent ( XXXX ). I deposited a legitimate cashiers check from XXXX XXXX XXXX XXXX XXXX ) into this account prior to closure. 
Wells Fargo acknowledged the deposit and initially stated that the funds would be mailed to me upon closure of the account.Despite receiving confirmation that the funds would be mailed, I have not received my balance in any form. After several months of follow-ups, I escalated the issue to the Office of the Comptroller of the Currency. Then I was reached out on phone by a team in wellsfargo who informed me that I should contact the sender of the funds XXXX XXXX XXXX However, Wells Fargo has not provided any documentation showing the disposition of the funds or their return to 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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute an inaccurate debt, allegedly owed to XXXX or XXXX XXXX XXXX, that has been improperly filed on my credit report. The debt reported by XXXX XXXX XXXX is invalid, as I have no contractual agreement with this company. Despite my request, XXXX has failed to provide the original contract. 

Attached is a XXXX  complaint response letter ( Complaint # : XXXX ) after sending XXXX several requests to provide original contract.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: TX

Complaint narrative:
I am writing to dispute an inaccurate debt, allegedly owed to XXXX or XXXX XXXX XXXX, that has been improperly filed on my credit report. The debt reported by XXXX XXXX XXXX is invalid, as I have no contractual agreement with this company. Despite my request, XXXX has failed to provide the original contract. 

Attached is a XXXX  complaint response letter ( Complaint # : XXXX ) after sending XXXX several requests to provide original contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp.
State: GA

Complaint narrative:
XX/XX/year> ABSOLUTE RESOLUTIONS INVESTMENTS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX RE : Formal Dispute of Debt & Request for Validation Account Number : XXXX To Whom It May Concern, I am writing in response to your communication regarding the alleged debt referenced above. This letter serves as my formal notice that I dispute this debt in its entirety, as permitted under the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S.C. 1692g, I request that you provide proper validation of the alleged debt, including but not limited to : 1.The name and address of the original creditor 2.A full itemized breakdown of the amount you claim I owe, including principal, interest, fees, and payments 3.A copy of the original signed contract or agreement bearing my signature 4.Proof that your agency has the legal right to collect this debt 5.A copy of the judgment, if applicable 6.The date of last activity and proof the debt is not time-barred Until you provide the above documentation : You must cease all collection efforts, including phone calls and written communications You may not report this alleged debt to credit reporting agencies If already reported, you must mark the account as disputed Please be advised that any continued collection activity without first providing proper validation is a violation of federal law. 

If you can not provide the requested documentation, you must immediately cease collection activity and remove any negative reporting related to this account. 

I request all future communication be in writing only. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX is inaccurately and improperly reporting my auto loan on my credit reports. They are reporting TWO separate XXXX accounts for the same loan. One shows a {$10000.00} balance reported on XX/XX/XXXX, and another shows a {$0.00} balance reported on XX/XX/XXXX. I only had ONE Westlake loan. This is duplicate reporting and violates the Fair Credit Reporting Act ( FCRA ).

The information being reported is inconsistent, inaccurate, and incomplete : The highest balance is listed as {$0.00}, which is impossible for an auto loan. 
Payment history is missing or not reported correctly. 
Dates of activity are conflicting. 
The account is marked as charged-off, but they continue to report a balance without providing any documentation. 
The account information does not match the actual loan details and appears to have been updated incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: LoanCare, LLC
State: TX

Complaint narrative:
Subject : LoanCare Mishandling of Loss Mitigation Application and Foreclosure Activity Servicer : LoanCare , LLC Loan Number : XXXX Property : XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Borrower : XXXX XXXX ________________________________________ Summary of Complaint LoanCare has failed to properly acknowledge, process, or review my complete loss mitigation application, despite my sending all required documents. This failure places me at risk of improper foreclosure activity in violation of XXXX CFR XXXX ( Regulation X ). 
________________________________________ Key Facts : XXXX. LoanCare issued an XXXX XXXX Notice on XX/XX/year>. 
I submitted all required documents in response. 
XXXX. I followed up on XX/XX/year> asking whether anything else was needed. 
LoanCare did not identify any missing items and did not issue any additional document request. 
XXXX. LoanCare failed to provide the required XXXX acknowledgment notice. 
Under federal law, the servicer must confirm receipt and identify any missing documents within XXXX business days. 
This did not occur. 
XXXX. On XX/XX/year>, I resubmitted a full and complete loss mitigation package via email using XXXX XXXX links because the files were too large to attach. 
The package included : Completed Form XXXX Hardship letter IRS Form 4506-C Tax returns 60 days of bank statements Proof of self-employment and business documentation Provisional patent filing NIH grant confirmations Government shortlisting documentation All items requested in LoanCares XX/XX/year> notice XXXX. LoanCare has not acknowledged receipt or confirmed the application as complete. 
This is a violation of : 12 CFR 1024.41 ( b ) ( 2 ) ( i ) 5-day acknowledgment requirement 12 CFR 1024.41 ( c ) 30-day review requirement 6. I am at risk of foreclosure despite having a complete application under review.

Under 12 CFR 1024.41 ( g ), the servicer may not proceed with foreclosure while a complete application is pending. 
Failure to acknowledge my documents puts me at risk of dual-tracking. 
________________________________________ What I am Requesting : 1. CFPB intervention to ensure LoanCare acknowledges receipt of my documents.

2. Assurance that my loss mitigation application is treated as complete.

3. Protection from any foreclosure activity while my complete application is being reviewed. 
XXXX. Confirmation that LoanCare is following all federal servicing requirements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: CA

Complaint narrative:
Upon reviewing my credit report, I found certain collection and charge-off entries to be inaccurate, outdated, or unverifiable. Despite submitting disputes and providing supporting documentation, these accounts remain unverified and continue to negatively impact my credit. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of these accounts. Any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: IN

Complaint narrative:
I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. 
I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: NC

Complaint narrative:
XXXX failed to accurately furnish Experian an accurate payment history of known payments. I never executed payments, moreover due to XXXX deception some months showing payments inaccurately, I never paid nothing toward this debt. 
XXXX furnished Experian no monthly payments amount, which is not accurate ; credit limit is incorrect ; high balance not reporting ; recent balances not reporting Partial account number being furnished to Experian does not belong to me. 
XXXX never filed claim with XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XXXX ( Ex. # XXXX ) After I filed XXXX XXXX on XX/XX/year>, XXXX continued to for several months thereafter pressuring me for payments via letters and phone calls from unknown numbers ( XXXX # XXXX ). 
Thru deception, XXXX is not registered to collect in NC. ( Ex. # XXXX ) XXXX do not have my credentials on file, yet they report false information to the credit bureaus. 
Violated the automatic stay order For this substantial reason above, XXXX 's failings has caused financial, mental, and emotional distress upon me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: NC

Complaint narrative:
XXXX failed to accurately furnish XXXX  an accurate payment history of known payments. I never executed payments, moreover due to XXXX deception some months showing payments inaccurately, I never paid nothing toward this debt. 
XXXX furnished XXXX no monthly payments amount, which is not accurate ; credit limit is incorrect ; high balance not reporting ; recent balances not reporting Partial account number being furnished to XXXX does not belong to me. 
XXXX never filed claim with XXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX XXXX ( Ex. # XXXX ) After I filed XXXX XXXX on XX/XX/year>, XXXX continued to for several months thereafter pressuring me for payments via letters and phone calls from unknown numbers ( XXXX # XXXX ). 
Thru deception, XXXX is not registered to collect in NC. ( Ex. # XXXX ) XXXX do not have my credentials on file, yet they report false information to the credit bureaus. 
Violated the automatic stay order For this substantial reason above, XXXX 's failings has caused financial, mental, and emotional distress upon me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: NC

Complaint narrative:
XXXX failed to accurately furnish XXXX an accurate payment history of known payments. I never executed payments, moreover due to XXXX deception some months showing payments inaccurately, I never paid nothing toward this debt. 
XXXX furnished XXXX no monthly payments amount, which is not accurate ; credit limit is incorrect ; high balance not reporting ; recent balances not reporting Partial account number being furnished to XXXX does not belong to me. 
XXXX never filed claim with XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XXXX ( Ex. # XXXX ) After I filed XXXX XXXX on XX/XX/year>, XXXX continued to for several months thereafter pressuring me for payments via letters and phone calls from unknown numbers ( XXXX # XXXX ). 
Thru deception, XXXX is not registered to collect in NC. ( Ex. # XXXX ) XXXX do not have my credentials on file, yet they report false information to the credit bureaus. 
Violated the automatic stay order For this substantial reason above, XXXX 's failings has caused financial, mental, and emotional distress upon me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Global Lending Services LLC
State: GA

Complaint narrative:
I reached out to my lien holder via email requesting a loan modification because my APR is 29.6 % at 72 months and I noticed that there are several add ons such as GAP and Service Contract which adds to my loan. I followed up with a phone call I was transferred to the escalation department, but before that I was told they could not give me a reinstatement amount. When transferred I was told it is company policy that loans can not be modified that my loan is written in stone and nothing could be done. I asked about the daily rate I am charged when my payment is late and the only late fee I see is {$50.00} dollars added to my payment. Also I was told that that information could be sent to me and it was not and also told that those fees are internal. Looking over my loan the dealership was predatory in the sale of my vehicle with a loan it which I currently have. In speaking the the agent at GLS name XXXX in the escalation department I was told that she was losing her patience and I decided to end the call. In conclusion I was told there is no way to modify my loan at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: TX

Complaint narrative:
I am filing this complaint against Discover Bank for engaging in unfair and abusive collection tactics that violate the principles of the Dodd-Frank Act ( UDAAP ) and state consumer protection laws. 

The Issue : Between XX/XX/2025, and XX/XX/2025, Discover Bank placed calls to my personal mobile phone every single day for 21 consecutive days ( excluding occasional Sundays ). 

Evidence of Harassment : The caller ID used was ( XXXX ) XXXX. 

The frequency of these calls ( daily ) is excessive and intended to harass rather than strictly to communicate information.

This conduct exceeds the " 7 calls in 7 days '' standard typically applied to third-party collectors under Regulation F, creating a pattern of harassment. This is in fact the original lender and not a third party.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
On XXXX XX/XX/year> I was scammed on XXXX and coerced into purchasing XXXX gift cards ( Rewarble codes ) on XXXX totaling approximately {$210.00} I contacted XXXX support the same day and opened XXXX refund tickets explaining the external fraud. 
XXXX officially denied my refund request on XXXX XX/XX/year>. 
I opened a fraud dispute with my bank on XXXX XX/XX/year> ; the investigation is still ongoing. 
I have also filed reports with the FBI Internet Crime Complaint Center and the FTC on XXXX XX/XX/year>. 
FBI IC3 reference : XXXX FTC reference : XXXX The first XXXX order # XXXX The second XXXX order # XXXX XXXX Account username for reference : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: GA

Complaint narrative:
I am disputing the following items on my Experian credit report : Charged-Off Accounts EX : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$270.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$940.00}

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