vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 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: FL

Complaint narrative:
The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXalance Owed : {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$35000.00} XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX * * Balance Owed : {$58000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Original Creditor : XXXX XXXX A XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1800.00}

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 non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
My Wells Fargo accounts were first frozen on XX/XX/XXXX. On XX/XX/XXXX, I drove 7 hours round-trip to a Wells Fargo branch to complete in-person identity verification. The banker confirmed my ID and said the holds were removed. 

On XX/XX/XXXX around XXXX XXXX, my online banking access was locked and my cards were shut down again. A fraud manager temporarily unlocked it. Later the same evening around XXXX XXXX, my cards were locked down again.

The fraud department tells me the account is on hold due to an identity theft case. The identity theft department tells me the hold is from fraud. Each department says the other one is responsible, and neither will close the case or permanently remove the freeze. I am being bounced back and forth with no resolution.

No fraud or identity theft occurred. I have already verified my identity in person, yet my accounts continue to be repeatedly frozen. I am unable to access or transfer my own funds. I need Wells Fargo to assign someone to take ownership of the case, close the incorrect fraud/identity theft hold, and restore stable access to my accounts.

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtainn credit. It is my understanding you will investigate these items for me to ensure accuracy.

Here is the item I am asking you to verify as accurate : Experian : XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX Transunion : XXXXXXXX XXXX XXXX XXXXXXXX

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 2025-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
I was given a 16.66 % APR loan by XXXX XXXX XXXX that I now know is predatory. I am seeking review or correction of the interest rate. I reached out when I was having trouble and they said all they can do is change the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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:
The account was fully settled, but it continues to display late payment notations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Ocwen Financial Corporation
State: LA

Complaint narrative:
Hello how you doing? My name is XXXX my loan number is XXXX. The month of XXXX I received the phone call saying that they didnt have the documents that they sent me a letter in the mail requesting certain things that they told me only a realtor took a answer and I said OK and I also told him that I never received a letter And there was already told if they had any questions to email or call the realtor. Her name is XXXX XXXX at the time., so once they didnt get the information from me someone from XXXX XXXX  called me and I wrote the information down me and my wife and I got it to the Realtor in the next day. They called me saying that it was too late this very unfair to me and they already knew I couldnt answer none of the questions. Only the realtor can answer the question cause I asked the representative of XXXX XXXX  that he understood that only the realtor answered the question and he also agreed with me so seem like to me it was set up for me to fail because they never did get in touch with the realtor. They always called me and they never sent me the letter in the mail as they promised to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: LA

Complaint narrative:
PRO Collect False Reporting, No Validation, Wrong Dates, No Lease Agreement, and FCRA Violations This complaint is being filed against PRO Collect regarding a {$9000.00} apartment collection account allegedly originating from XXXX XXXX XXXX. 
PRO Collect is reporting inaccurate, unverified, and incomplete information in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Violations include : Reporting the wrong Date Opened ( shows XXXX, which is impossible ).

Failure to provide ANY validation of the debt upon request.

No lease agreement provided.

No itemized breakdown of charges.

No notice of debt provided within the required 30-day FDCPA window.

No proof of assignment from the original creditor.

Inaccurate balance reporting with no supporting documentation.

Failure to respond to validation requests while continuing to report.

Reporting information to the credit bureaus that can not be substantiated.

These actions violate : FCRA : 602 Reasonable Procedures for Accuracy 607 ( b ) Maximum Possible Accuracy 609 ( a ) ( 1 ) ( A ) Right to Documentation 609 ( b ) Validation Requirements 611 Duty to Investigate FDCPA : 809 ( a ) Validation of Debts 807 False or Misleading Representations 808 Unfair Practices

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 2025-12-04 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:
I checked my credit report again and the inaccurate accounts are still appearing, even though they should have been taken off already. I am begging for the documents I attached to be reviewed with care because I can not keep dealing with this stress any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
I have 2 small credit cardsXXXX/card and 1 car payment with Capital One.I went online to make the car payment in XXXX. When I went online to check the status, I noticed that 1 of my cards was paid ( all but XXXX ). Then I recieved a text message telling me that I hadn't made my car payment. When I called them I was told, " Talk to the card side. I called the card side, I was told, " Because I didn't make my minimum payment, they took my car payment and applied it to the card and they NEVER sent me ANY information about what they did.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: PA

Complaint narrative:
Im writing you again regarding an unresolved dispute I submitted about inaccurate late payment ( s ) being reported on my credit file. Since you failed to correct or remove the account despite clear legal grounds, I have now submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ). This letter serves as a final demand for resolution before taking further legal steps. 
Account XXXX in Dispute : 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 XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. 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 2025-12-04 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: NC

Complaint narrative:
I am submitting this complaint regarding multiple ongoing violations across my TransUnion, Experian, and Equifax credit files. Despite prior disputes, several items continue to be reported inaccurately, misleadingly, or without proper verification. These failures have resulted in continued harm to my credit profile and demonstrate noncompliance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

The collection account reported by XXXX for the original creditor XXXX XXXX XXXX XXXX ( Acct # XXXX ), with an alleged balance of {$1200.00}, has never been properly validated. This violates FDCPA 809 due to the lack of required debt validation, and the reporting includes misleading and unfair representations in violation of FDCPA 807 and 808. The Date of First Delinquency is either incorrect or missing, which violates FCRA 623 ( a ) ( 5 ), and the account appears to contain obsolete or improperly aged information prohibited under FCRA 605 ( a ) and 605 ( c ).

The credit bureaus have not provided full disclosure as required by FCRA 609 ( a ) ( 1 ) and have failed to conduct a reasonable reinvestigation under FCRA 611, resulting in the continued reporting of inaccurate, unverified, and misleading information. This also violates the furnishers obligations under FCRA 623 ( a ) ( 1 ) ( A ) to report only accurate data.

My credit reports further show unauthorized inquiries from XXXX and XXXX, both dated XX/XX/year>. These inquiries lack a documented permissible purpose as required under FCRA 604 ( a ) and are being retained on my file contrary to the reporting standards of FCRA 605 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: NC

Complaint narrative:
I am submitting this complaint regarding multiple ongoing violations across my TransUnion, Experian, and Equifax credit files. Despite prior disputes, several items continue to be reported inaccurately, misleadingly, or without proper verification. These failures have resulted in continued harm to my credit profile and demonstrate noncompliance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

The collection account reported by XXXX for the original creditor XXXX XXXX XXXX XXXX ( Acct # XXXX ), with an alleged balance of {$1200.00}, has never been properly validated. This violates FDCPA 809 due to the lack of required debt validation, and the reporting includes misleading and unfair representations in violation of FDCPA 807 and 808. The Date of First Delinquency is either incorrect or missing, which violates FCRA 623 ( a ) ( 5 ), and the account appears to contain obsolete or improperly aged information prohibited under FCRA 605 ( a ) and 605 ( c ).

The credit bureaus have not provided full disclosure as required by FCRA 609 ( a ) ( 1 ) and have failed to conduct a reasonable reinvestigation under FCRA 611, resulting in the continued reporting of inaccurate, unverified, and misleading information. This also violates the furnishers obligations under FCRA 623 ( a ) ( 1 ) ( A ) to report only accurate data.

My credit reports further show unauthorized inquiries from XXXX and XXXX, both dated XX/XX/year>. These inquiries lack a documented permissible purpose as required under FCRA 604 ( a ) and are being retained on my file contrary to the reporting standards of FCRA 605 ( a ).

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : XXXX - XX/XX/year> XXXX XXXX - XX/XX/year>XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Merchants Acceptance Corp
State: IN

Complaint narrative:
This complaint concerns NEW inaccurate updates that occurred immediately before, during and/or after my prior request. These include newly altered payment history, inconsistent written-off amounts, and new balance changes that have not been explained or verified.

Issue 1 Inconsistent Written-Off Amount The written-off amount has been reported inconsistently for several years, with multiple different values appearing between XXXX. Different values have been listed on XXXX XXXX XXXX XXXXXXXX XXXX. written-off amount on a XXXX  charged-off account should be historically static and should not change after charge-off. 
I request documentation explaining how the furnisher calculated the written-off amount and why multiple different values have been reported. 

Issue XXXX Inconsistent and Altered Payment History The account continues to receive new derogatory updates in XXXX, including alterations to historical payment history for past years ( e.g., XXXX data modified in XXXX ). This is not consistent with a static 2021 charge-off. This has happened across XXXX XXXX XXXX XXXX XXXXXXXX. With varying data between bureaus. 
I request documentation of the payment history, including proof of the actual date of last payment and explanation for retroactive changes. 

Issue XXXX Inaccurate Principal Balance Reporting The principal/original balance was reported inaccurately for over XXXX years. Although the furnisher recently corrected the principal balance after a dispute, no documentation has been provided showing how the prior values were calculated or verifying the accuracy of the current numbers. 
I request documentation demonstrating how the principal/original balance was originally calculated, why it differed from the contract for several years, and how the corrected balance was derived. 

Documentation Request Verification of All Reported Numbers for all Bureaus.

Due to long-term inconsistencies among XXXX XXXX XXXX  in : written-off amounts, principal balance, payment history, and monthly derogatory updates, I am requesting documentation showing how each reported number was calculated, including : written-off amount, principal/original balance, interest calculations, balance changes, payment history, and the furnishers contract-based justification for these values. 

The reporting has been inconsistent and unverifiable for several years, and I am seeking confirmation that all current data being reported is accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am submitting an update regarding my unresolved {$8000.00} convenience check issue involving XXXX XXXX XXXX and Citibank. I obtained the check copies from XXXX and faxed them to Citibank on XX/XX/year>. Citi opened a new case ( XXXX ) in addition to the original ( XXXX ) XXXX but both cases are still under review with no resolution. 

It has now been over XXXX months, and despite providing all requested documents, the funds have still not been located, refunded, or applied to my loan. This delay is unreasonable. I am requesting CFPB assistance to ensure Citi completes the investigation and either returns the {$8000.00} to XXXX XXXX XXXX or applies it correctly to my loan. No interest should be accrued during this extended delay.

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have some late payments I am desperately trying to have removed. I am trying to buy my first house and my lender can not approve me for the home loan until I have these late payments removed. I am XXXX XXXX XXXX. I got married when I was XXXX XXXX XXXX. We are together, happy and we have XXXX beautiful children. 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 During this time life was hard and I had trouble making payments a few times. Today I am struggling to get qualified for a home loan. All I need is these payments to be removed from my credit report. Then I will qualify. Please find it in your XXXX to help me and my family. I thank you in advance.

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 2025-12-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
In 2021, my former roommate/girlfriend used my stolen identity to open multiple loans in my name. XXXX was with XXXX XXXX. She had access to my paystubs, phone, bank information, and she controlled an email under my name : XXXX. I never authorized this loan, never applied for it, never signed anything, and never received any funds. 

I only recently found out about this debt because of a call I received from a debt collector, XXXX years later. I immediately emailed who the debt collector told me to email to dispute the collection. My bank account in 2021 became overdrafted because of multiple fraudulent loans she took out, and the bank eventually closed my account. I never saw or benefited from any of the funds that XXXX allegedly issued. 

I have filed an FTC identity theft report, provided a police report. I also completed an Affidavit of Fraud for other loans she took out. I also have court paperwork proving another fraudulent collection from the same time period was dismissed by a judge. 

This XXXX XXXX loan is another result of the identity theft that occurred in 2021, and I am requesting that this account be removed. 
Please, I am requesting validation and removal, as this loan is part of a series of identity-theft incidents from 2021.

Company response to consumer: Closed with explanation