vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hollis Cobb Associates
State: GA

Complaint narrative:
XXXX XXXX repeatedly calls about debt that I was unaware of before it went to collections. I sent them two verification letters which have not been responded to. I sent the first XXXX XX/XX/XXXX, a few days after their first contact. I sent the second later in XXXX. They continue to call me and have not provided any information regarding the alleged debts.

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 2025-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I have my travel set up as my 3 % cashback on my TD signature cash card I have stayed over 10 days at a hotel and I was not given 3 % cash back I was given one percent cashback I have spent hours and hours on the phone with this company and they refuse to honor their agreement I specifically use this TD signature cash card because of their 3 % cashback rewards on travel and they are refusing to honor their written agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: WA

Complaint narrative:
Complaint against SoFi Bank XXXX On Friday, XX/XX/year>, I was notified by SoFi bank that my account was locked due to unusual activity. I checked my account and found {$240.00} missing and a notification that an XXXX phone accessed my account. I immediately called and reported the theft and asked them to stop the transaction. I was told I had to wait until it went through and to file a dispute. 
Monday, XX/XX/XXXX I called in the morning and filed the dispute, telling them that it was theft. Later that morning, when I tried to get fuel, my card wouldnt work, so I checked my account and found it locked again. I called and was told that I violated a member rule and seized my account. They claim they can not tell me anything due to company policy. I find that arbitrary and very highhanded, especially since its my money they are holding without an acceptable or even any explanation. Around Wednesday, XX/XX/year>, I was told that my dispute was denied due to there being no error. I appealed it with the above information, and was denied for the same reason again. They claim to record all calls, and claim that their customers security is important, yet they allow someone to hack my account and steal my money, then seize my account on a whim and deny me the rest of my money, which is not theirs to take. I wonder if the theft was an inside job and they are covering it up! 

On to today, Monday, XX/XX/year>, they have taken my money and closed my account and told me that I had to wait XXXX to XXXX business days for a check. In my opinion, they have stolen from me twice and their company policies are questionable. They have no right to hold my money with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently reviewed my credit reports and found multiple accounts and inquiries being reported inaccurately by the companies involved. Several accounts are listed as charge-offs or collections with inconsistent balances, conflicting dates of first delinquency, and in some cases duplicate entries that create a misleading and damaging picture of my credit history. Some of these items continue to report derogatory payment history even after the accounts were closed or settled, which is factually impossible and violates federal reporting standards. I also identified hard inquiries that were never authorized by me and do not appear to have a permissible purpose under the law. Despite prior disputes and requests for validation, the companies have not provided complete, verifiable documentation to support these entries, yet they continue to appear on my reports. These errors have been ongoing for months and have negatively impacted my ability to obtain credit, prompting this formal complaint.

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 2025-08-11 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: TX

Complaint narrative:
I recently reviewed my credit reports and found multiple accounts and inquiries being reported inaccurately by the companies involved. Several accounts are listed as charge-offs or collections with inconsistent balances, conflicting dates of first delinquency, and in some cases duplicate entries that create a misleading and damaging picture of my credit history. Some of these items continue to report derogatory payment history even after the accounts were closed or settled, which is factually impossible and violates federal reporting standards. I also identified hard inquiries that were never authorized by me and do not appear to have a permissible purpose under the law. Despite prior disputes and requests for validation, the companies have not provided complete, verifiable documentation to support these entries, yet they continue to appear on my reports. These errors have been ongoing for months and have negatively impacted my ability to obtain credit, prompting this formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Unauthorized Transactions Wells Fargo Visa Debit Card Failure to Apply Zero Liability Protection What happened : On XX/XX/year>, my Groupon account was accessed without my authorization. 
At XXXX XXXX  ( EST ) I received an unauthorized login alert.

Within minutes, two unauthorized purchases were made and redeemed : {$270.00} and {$210.00}, plus another smaller charge for {$55.00}. 

I acted immediately : At XXXX XXXX, I changed my password. 

At XXXX XXXX, I deleted my card from XXXX. 

I contacted XXXX via chat ; they refunded only {$55.00} and directed me to my bank for the rest. 

I called Wells Fargo within minutes, while the charges were still pending, asking them to block or reverse them. They refused to act and told me to wait. 
After multiple calls over several days, on XX/XX/year>, Wells Fargo issued provisional credits for {$270.00} and {$210.00}. 
On XX/XX/year>, they reversed the credits, claiming XXXX provided proof of purchase. 
Of course, there were receipts, but that does not change the fact that these were unauthorized transactions reported immediately. 

I contacted XXXX directly on their website and they answered from XXXX. Their reply confirms that XXXX never received my dispute from Wells Fargo and that disputes must be initiated by the issuing bank. This means Wells Fargo never escalated my case to Visas dispute resolution system ( VROL ), preventing Visa from reviewing it under the XXXX Liability Policy. 

Case numbers from Wells Fargo : Letter : XXXX Escalation : XXXX I have XXXX time-stamped screenshots documenting : Unauthorized login Receipts of the charges XXXX chat records Provisional credits ( XX/XX/XXXX ) Credit reversal ( XX/XX/XXXX ) Wells Fargos reversal letter I can provide all evidence upon request.

Resolution requested : I request that Wells Fargo : Apply Visas XXXX Liability Policy for these unauthorized transactions. 

Reinstate the credits for {$270.00} and {$210.00}. 

Provide a written explanation for why my dispute was never submitted 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 2025-08-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to formally dispute certain items contained in my credit file pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i.

This is a formal request that your agency conduct a reinvestigation of all items listed on my credit report that are inaccurate, incomplete, or can not be verified. I am exercising my right under the FCRA to challenge any and all information on my credit report that can not be substantiated by verifiable documentation from the original furnisher.

Under the FCRA, you are required to : Conduct a reasonable investigation of the disputed information ( 1681i ( a ) ( 1 ) ( A ) ) ; Complete that in
vestigation within 30 days of receipt ( 1681i ( a ) ( 1 ) ( A ) ) ; and Delete or correct any information that is found to be inaccurate, incomplete, or can not be verified ( 1681i ( a ) ( 5 ) ( A ) ).

If the information in question can not be verified within the required timeframe, it must be promptly deleted from my credit file, as per the law. Simply parrotting the data from the furnisher without a substantive reinvestigation fails to meet the requirements of the FCRA. 

Please consider this letter as my formal dispute and demand for reinvestigation. I have enclosed the following documentation to assist in verifying my identity :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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 formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: TX

Complaint narrative:
I am writing to formally dispute an account listed on my credit report. I believe this account may contain errors or inaccuracies that need to be investigated and corrected. 
Below is the account I am disputing : 1. Account Name : XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance : {$860.00} I request that this account be thoroughly investigated, and any discrepancies or errors be corrected. If this account is found to be inaccurate, I ask that they be removed or updated appropriately from my credit report. 
Please provide me with the results of your investigation and a copy of my updated credit report once the changes are made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was defrauded by a third party ticket agent in the XXXX, XXXX airport on XX/XX/year>. The issue began when the airline ticket agent for XXXX airline did not provide all my boarding passes for my trip from XXXX to XXXX, XXXX. ( my home ). 
When I asked about this, I was referred to the XXXX XXXX IXXXX XXXX agent operating inside the airport. We have no such agents in the US and I thought it was some sort of help desk for the airlines. 
The XXXX XXXX agent ( XXXX ), told me my flight had been overbooked, that it was against XXXX law for that to happen and that XXXX must pay for my flight home. 
She initiated a ticket with XXXX for {$4300.00} and provided the email address to make my claim against XXXX. Note : My original ticket cost just over {$600.00}. 
After arrival home, I made the claim against XXXX and was denied, them claiming that I did not proceed to the gate on time. I did not proceed to the gate for 2 reasons. 
( XXXX ) the boarding pass provided by XXXX did not have the complete gate assignment printed and ( XXXX ), XXXX for XXXX XXXX took an inordinate amount of time to process my new ticket, after LYING TO ME ABOUT THE XXXX OVERBOOKING AND THE REFUND THAT XXXX WOULD PROVIDE BY XXXX LAW. 

I informed my credit card company, Capitol One on many occasions and they have refused to credit my account or take action against the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

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.

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 explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
there are unauthorized charges on my reports thay are not mine. i have been going back and forth for months, and nothing is being done ; no proof has been given. they keep saying it is accurate which it is not .this needs to be removed from my 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 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
On XXXX filed a dispute with the bank which they provided provisional credit on XX/XX/year> XXXX hour after providing that credit they closed my account and will not provide any information on my closure, Ive only filed two disputes in the last 3 years of owning this account, I requested information about this and they are declining me to provide any information on it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc.
State: AZ

Complaint narrative:
they didnt update the account to current. PLEASE SEE ATTACHMENTS BELOW

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have previously disputed Experian and Equifax regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-08-11 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: CA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( 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 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: WA

Complaint narrative:
Received XXXX  alert that I owe {$450.00} to " XXXX  XXXX '' and Sentry Credit Inc. I have never heard of either of these agencies and dispute the transaction. I believe it is identify fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: MN

Complaint narrative:
Credit Acceptance sent the balance owed to a debt collector. My issue is that the amount owed does not line up with any previous payments or the sale amount of the vehicle. It shows that I owe almost the entire amount of the vehicle when it was purchased. I have submitted these concerns to the debt collector with no response to my inquiries. I was offered a chance to pay the debt for a small amount from Credit Acceptance but I was not offered the chance to before it was sent to a debt collector. I don't recall the name of the debt collector but I have sent complaints and questions to them with no response from them.

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 2025-08-11 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: OH

Complaint narrative:
I am writing to dispute certain information in my credit file as provided to me by your agency. This dispute is being made pursuant to my rights under the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. 
The following accounts are being reported inaccurately and can not be verified by me : XXXX XXXX Account Number : XXXX Amount : {$0.00} XXXX Account Number XXXX XXXX Amount : {$0.00} XXXX XXXX  Account Number : XXXX Amount : {$0.00} XXXX Account Number : XXXX Amount : {$0.00} XXXX  Account Number : XXXX Amount : {$0.00} These accounts are being reported with balances of {$0.00}, yet they remain on my credit file. This is misleading, inaccurate, and does not provide a fair and accurate representation of my credit history. Under the FCRA, you are required to report only information that is complete and correct, and to delete or correct any unverifiable, outdated, or inaccurate entries. 

Please conduct a full investigation into these accounts. If the furnishers of this information can not provide proper documentation verifying that these accounts are accurate and belong to me, I request that these accounts be deleted immediately from my credit report.As required by the FCRA, please respond to my dispute within 30 days of receipt of this letter, and provide me with the updated results of your investigation in writing.I have enclosed a copy of my government-issued ID and proof of address to assist with verification of my identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief