vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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: FL

Complaint narrative:
Message to the lender I am the borrower. I am the one filing the complaint. There is no third party involved. The fact that you are asking me for authorization to correct your own inaccurate reporting is absurd. 

You are still reporting Loan Number XXXX as an active debt even though it was fully paid off on XX/XX/year>. You already have the payoff, you already have the XXXX balance, and you already have the transaction details. There is nothing for me to authorize. This is your mistake to fix. 

You do not need my permission to stop reporting false information. You just need to correct it. Update the credit bureaus now and send written confirmation as soon as the update is made. Handle this immediately. 

Message to Experian I am disputing inaccurate reporting on my credit file. The lender is incorrectly reporting Loan Number XXXX as an active debt even though it was paid in full on XX/XX/year>. The balance is XXXX. 

I am requesting an immediate investigation and correction. The lender has already acknowledged receiving the payoff, yet the account is still reporting incorrectly. 

Please update this account to reflect paid in full and closed. I expect written confirmation once the correction is completed. 

Message to XXXX  I am disputing inaccurate information on my credit file. Loan Number XXXX is still being reported as open and active, even though it was fully paid off on XX/XX/year>. 

The balance is XXXX and the lender has full proof of payment. I am requesting that XXXX  conduct an investigation and correct the reporting immediately. Update the account to paid in full and closed and provide written confirmation once the changes are processed.

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 2025-11-21 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:
Message to the lender I am the borrower. I am the one filing the complaint. There is no third party involved. The fact that you are asking me for authorization to correct your own inaccurate reporting is absurd. 

You are still reporting Loan Number XXXX as an active debt even though it was fully paid off on XX/XX/year>. You already have the payoff, you already have the XXXX balance, and you already have the transaction details. There is nothing for me to authorize. This is your mistake to fix. 

You do not need my permission to stop reporting false information. You just need to correct it. Update the credit bureaus now and send written confirmation as soon as the update is made. Handle this immediately. 

Message to XXXX  I am disputing inaccurate reporting on my credit file. The lender is incorrectly reporting Loan Number XXXX as an active debt even though it was paid in full on XX/XX/year>. The balance is XXXX. 

I am requesting an immediate investigation and correction. The lender has already acknowledged receiving the payoff, yet the account is still reporting incorrectly. 

Please update this account to reflect paid in full and closed. I expect written confirmation once the correction is completed. 

Message to Equifax I am disputing inaccurate information on my credit file. Loan Number XXXX is still being reported as open and active, even though it was fully paid off on XX/XX/year>. 

The balance is XXXX and the lender has full proof of payment. I am requesting that Equifax conduct an investigation and correct the reporting immediately. Update the account to paid in full and closed and provide written confirmation once the changes are processed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: MA

Complaint narrative:
I want the CFPB to compel the bureau to delete unverifiable accounts, inquiries and personal information and provide documentation proving their investigation method.

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 2025-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Revolut Technologies Inc.
State: MT

Complaint narrative:
I opened my Revolut account on XX/XX/scrub> 2025. This was a new personal account and I had not made any transactions, transfers, or deposits. Shortly after opening, Revolut suddenly notified me that they would close my account because they could not confirm my identity.

However, Revolut never asked me to submit any documents, never requested additional verification, and never gave me a chance to resolve the issue. Their decision appears to be fully automated and no real verification was attempted. I did not violate any policy, and there was no suspicious activity because the account had no transactions at all.

This looks like a system error or automated false-positive risk flagging. The app shows my appeal under review, but no one is handling it and I received a final closure notice without any manual review. I believe my account was unfairly closed without due process and without giving me any opportunity to verify my identity properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
This is a complaint regarding Wells Fargo. 

I received a payoff letter from Wells Fargo for an auto loan that was being refinanced. My new lender issued the payoff and overnighted a check via XXXX. Wells Fargo signed for the check on XX/XX/year> at XXXX XXXX, confirming receipt. 

Despite this, Wells Fargo subsequently lost the payoff check. Since then, Wells Fargos collections department has repeatedly contacted us, claiming the account is past due, reporting delinquencies to the credit bureaus, and assessing punitive late fees and interest charges.

Wells Fargo acknowledges that although they signed for the payoff check, it was never deposited and the account is showing as delinquent due to their internal error. I offered to issue a replacement check for the original payoff amount, but Wells Fargo refused and is insisting that any new payment include unjustified fees and interest. During collections calls occurring as frequently as five times per week the representatives repeatedly warn that our credit scores will suffer further damage.

This conduct constitutes unfair and abusive practices under the Consumer Financial Protection Act, inaccurate credit reporting under the Fair Credit Reporting Act, and unlawful debt collection activity under the Fair Debt Collection Practices Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-21 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: IL

Complaint narrative:
I am submitting this statement in an effort to dispute and resolve inaccuracies in my credit report. Below, I have outlined the accounts in dispute, separated by each credit bureau ( XXXX, Experian, and XXXX  ). I am requesting that these issues be investigated and rectified in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$640.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6600.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$370.00} Inquiries : XXXX XXXX Accept Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX XXXXl Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  XXXX Date XXXX XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Positive Accounts : XXXX  XXXXXXXX XXXX XXXX  XXXX Late Payments : XXXX XXXX XXXX Account Number : 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 2025-11-21 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: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: CA

Complaint narrative:
I am submitting a dispute regarding inaccurate information on my Experian credit report. Below are the accounts in dispute : Charged Off Accounts : XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$9600.00} XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$3300.00} XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$4900.00} XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$15000.00} XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$6400.00} XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$3900.00} Inquiries : XXXX  XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/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 2025-11-21 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: LA

Complaint narrative:
I am not associated with the creditors listed and did not authorize this inquiry. Please remove it from my credit report immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I deposited a check using the Bank of America mobile app. The app showed a 57 day clearing period. Because I urgently needed the funds, I immediately called Bank of America customer service and asked for the deposit to be canceled before it was processed.

The representative clearly told me that the deposit would not be processed and that there would be no problems. I relied on this information in good faith.

Despite this, Bank of America processed the deposit anyway without my authorization. When the issuer reversed the check, the bank closed my account and reported me to XXXX XXXX XXXX as if I had committed account misuse or fraud. 

This reporting is false, misleading, and harmful. 

Because of this incorrect report, I am now being denied new checking accounts at multiple banks, including XXXX XXXX and XXXX XXXX XXXX. This situation is causing serious financial hardship. 

I am requesting : 1. Removal or correction of the inaccurate XXXX XXXX XXXX report 2. A full review of the improper account closure 3. Removal of any internal or external restrictions placed against me Bank of Americas actions were based on misinformation given to me by their own employee, and the negative reporting is not accurate.

I respectfully request immediate investigation and resolution.

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 2025-11-21 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: TX

Complaint narrative:
The law requires disputed accounts to be dealt with and removed within a certain period.

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 2025-11-21 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: TX

Complaint narrative:
Accounts under dispute should be resolved and taken down within the period mandated by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SAN DIEGO COUNTY CREDIT UNION
State: SC

Complaint narrative:
I am in the process of obtaining a mortgage, and during the review of my credit report, the mortgage company identified duplicate reporting for the same account. They also noted that the account is listed as charged off, yet it continues to report monthly late payments throughout the years to date following the closure date. In addition, a third-party collection agency is reporting this same debt. 

My mortgage company has made multiple attempts to obtain verification of this account from San Diego County Credit Union, but they have refused to provide any informationverbally or in writing. Despite my full authorization, including both verbal consent and written, wet-ink consent, no authentication, documentation, or validation of this debt has been produced. 

This process has now been ongoing for nearly a month. Representatives from San Diego County Credit have repeatedly refused to assist, have hung up during calls, and have been verbally aggressive. At this time, no verification of the account or confirmation of the debts validity has been provided, creating significant delays in my mortgage process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: TX

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: IL

Complaint narrative:
I am writing to formally dispute a public record that has been erroneously or fraudulently associated with my name and personal information. I believe that this record is inaccurate and the result of identity theft or other fraudulent activity. After reviewing the details of this record, I am certain that I have not been involved in the circumstances listed. It appears that my identity has been used fraudulently. I have taken steps to address this issue with the relevant authorities and will be filing a report. 

I would also appreciate your assistance in removing this fraudulent record from the public record as soon as possible. " I DO NOT CONSENT FOR A FRAUD ALERT TO BE PUT ON MY CREDIT REPORTS ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I purchased a used XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX The total purchase price was {$67000.00}. I provided a {$17000.00} down payment and financed {$64000.00}. After reviewing the contract package I received, I discovered multiple issues, including : Missing buyer and co-buyer signatures/initials on numerous pages of my contract copy. 
Add-on products and fees totaling over {$8000.00} ( XXXX {$1700.00}, XXXX XXXX {$5100.00}, XXXX {$840.00}, multiple dealer fees ) that were not fully disclosed or properly documented. 
A signed Retail Installment Sale Contract ( RISC ) was never provided at the time of sale. 
The dealer later sent Citizens Bank a fully signed contract, but my buyer copy remains incomplete and missing signatures/initials. 
Evidence of misrepresentation relating to add-on products, including messages and voicemail. 
I submitted a Notice of Rescission due to the incomplete, defective, and inconsistent contract documents. 
I requested a full contract package, assignment documentation, and verification of charges, but I did not receive a complete or accurate record I have uploaded Exhibits XXXX, including : Collection activity documents My Notice of Rescission Dealer misrepresentation evidence Voicemail/text proof regarding add-on products Side-by-side comparison showing missing signatures and initials in my buyer copy. 

In addition to the documents I was able to upload as Exhibits, I also have several unsigned, incomplete, or conflicting versions of contract forms in my possession from XXXX XXXX and Citizens Bank. These documents contain discrepancies and irregularities that further support my complaint, but there are too many pages and the file sizes exceed the CFPB upload limits. I am fully prepared to provide every document upon request, including my unsigned buyer copies, the incomplete contract package I received from the dealership, and the multiple inconsistent versions provided to me afterward. I will promptly supply all materials to the CFPB or the company as soon as they are requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
In XX/XX/year>, my Capital One credit card account was closed and later charged off. Since that date, there has been no activity, no payments and no new charges on the account. Despite this, Capital One has continued to report the account as 30/60/90/+ days delinquent every single month from XX/XX/year> through present. 

This is inaccurate and misleading because a charge-off, closed account with no activity should not continue to be reported as newly delinquent each month. This monthly delinquency reporting has caused my credit score to drop significantly ( about XXXX points ) I called Capital One and they confirmed that the account has had no activity since it was closed. However, they could not explain why they are still reporting ongoing monthly delinquencies. I also contacted XXXX, who advised me that this reporting is incorrect and filed a dispute for me. 

Despite my dispute, the inaccurate reporting has not been corrected, and Capital One continues to furnish incorrect negative marks every month. 

I am requesting that Capital One stop reporting new delinquencies on a closed/charged-off account and correct all inaccurate reporting.

Company response to consumer: Closed with explanation