vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: OPTUM BANK, INC.
State: NC

Complaint narrative:
I am filing this complaint regarding a missing refund that should have been credited to my Optum Bank Health Savings Account ( HSA ) XXXX. 

On XX/XX/year>, I prepaid {$3000.00} to XXXX XXXX toward an upcoming surgery using my Optum HSA debit card. Because my deductible was met prior to the final billing, XXXX XXXX issued a partial refund of {$1500.00} to the same card on XX/XX/year>. They provided written confirmation of this refund, including a transaction ID, and confirmed that the funds were sent successfully through the XXXX network. 

However, Optum Bank never credited the refund to my HSA account. XXXX XXXX has confirmed the refund was processed correctly, but Optum claims no record of receiving it. I have requested help with this issue from Optum XXXX different times between XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I requested a formal investigation and was told to expect written findings within XXXX business days. That deadline has passed with no written response. My case was later marked high priority, by Customer Service Agent XXXX XXXX on XX/XX/XXXX but as of today, I have still received no update or resolution. 

I have documentation from both Optum and XXXX XXXX verifying the refund attempt and transaction ID, and I am requesting that Optum locate and credit the missing refund to my HSA account or provide written evidence of where the refund funds were routed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: PA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: TX

Complaint narrative:
The information being reported on my credit report is inaccurate. Capital one did not do proper investigation to my claim that I am not responsible for the debt they claim I owe. 
The method of verification of the debt was not disclosed to me nor was i properly informed before my account was reported with a verified debt. 
The bank has claimed this said debt as a been used to file a XXXX c with the IRS. The said debt is no longer my responsibility. 
It is a declared income by capital one on my name. 
Why is the bank reporting an income on my credit? 
This is false and misleading representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: CT

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within XXXX  days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

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 2025-10-29 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: NY

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX 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 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

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 2025-10-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Camelot Financial Services, Inc.
State: GA

Complaint narrative:
The company with the orginal loan is XXXX XXXX XXXX  XXXX XXXX. The company was dissolved in early XXXX. New company named XXXX XXXX XXXX completed a Bill of Sale on XXXX to sell XXXX XXXX XXXX XXXXXXXX care. The lender was notified of this information, and began taking ACH payments out of the new account owned by XXXX. The agreement was XXXX a week that would increase to XXXX per the agreed terms. There were back taxes owed by XXXX XXXX XXXX XXXXXXXX XXXX, that I XXXX XXXX, and Sapphire Paid to bring them current. During this process the lender XXXX  Loans began the foreclosure process. The agreed to stop the process if the taxes were paid. This did not happen. I was also informed that XXXX NEVER Transfered the Loan to XXXX XXXX XXXX XXXX due to a staff not being employed at the company any longer. Yet the continued to take ACH Payments out of XXXX 's account to ensure the loan stays current. XXXX XXXX who is the Loan Director was made aware of the transfer and sent the information to the correct department. Dispite this XXXX  did not complete the process and I was not aware of this until last month.XXXX  requested a new loan application but could not gurantee that it would be approved by the committe to continue with the loan. I sent an email letting XXXX  know that I was moving forward with a Short Sale. The aim is to pay the loan off owed to them, and continue to rent the space currently occupied by XXXX XXXX XXXX XXXX. They have communicate with the company handling the sale but are refusing to stop the foreclosure and give us time to sale the building to satisfy the loan. This in addition to me as a consumer not having monthly mortgage statements nor and access portal to review to keep track of progress. XXXX  is a company that is charged with helping small business in the community to grow and thrive the access to capital, but are now feeling like a predatory lender. Any help would be greatly appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: Western-Shamrock Corporation
State: TX

Complaint narrative:
On XX/XX/year> western finance ran my credit for a loan that I didn't authorize and called me to finalize. I told them I didn't apply for any loan. This made my credit score drop a lot. I contacted XXXX XXXX and they told me they need a letter from the lender to remove from my credit report ; therefore I contacted the local office and western shamrock, corp office with nothing but excuses and they refuse to return my voice mails. The lady at the corp office told me to submit an email which I did with no response. I did place a fraud alert on my report and she said that will do nothing. Im at a lose at what the do about this issue. I have worked very hard to build my credit up. I don't know anything about the loan, the amount or if the funds were released.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: PA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: Experian Information Solutions Inc.
State: GA

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 XXXX 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 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 2025-10-29 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: FL

Complaint narrative:
Under my rights provided by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am requesting reinvestigation of the following inaccurate items on my Equifax credit report : XXXX. XXXX XXXX XXXX XXXX XXXX ( {$2400.00} ) : reports as charged-off with active balance ; inconsistent with IRS and Metro 2 standards. 
XXXX. XXXX Secured Card : shows XXXX late while others show XXXX late; inconsistent across bureaus. 
XXXX. XXXX XXXX Secured Loan : shows XXXX late though payment cleared ; please verify records. 
Please complete your reinvestigation within XXXX  days of receipt and delete or correct any item that can not be fully verified. Include your reinvestigation procedure details per 1681i ( a ) ( 6 ) ( B ) ( iii ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX 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 2025-10-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
It is appreciated the response from fifth Third bank and the explanation given, the fact remains that the reported information on my credit file never substantiated what is reported even after 1099 was issued. Based on this misleading information they should immediately delete this derogatory information from my credit file. 1099 was never received, letter sent according to their response on XX/XX/year> was the first correspondence of such letter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: FL

Complaint narrative:
Dear CFPB, I am filing a formal complaint regarding inaccurate, inconsistent, and unverifiable items on my credit report with Experian, Despite my efforts to dispute these items directly with the bureaus, the errors remain unresolved. 

I am writing to dispute several inaccurate and inconsistent items on my Experian credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I am requesting that these accounts be investigated and immediately deleted if unverifiable : Disputed Accounts ( Experian Only or All Bureaus ) XXXX. XXXX  XXXX Charged-off account ; remarks : First payment never received, assigned to collections Not reported by TransUnion or XXXX  Legal Grounds : 1681i, 1681e ( b ), 1681g ( a ) ( 1 ) ( A ) Request : Delete immediately. 
XXXX. XXXX High credit/balance mismatch : {$0.00} EXP vs. {$690.00} XXXX vs. {$590.00} XXXX  Legal Grounds : 1681i, 1681e ( b ), 1681g ( a ) ( 1 ) ( A ) Request : Correct inconsistencies or delete if unverifiable. 
XXXX. XXXX XXXX  XXXX ( XXXX ) Collection {$530.00} ; activity date differs ( XX/XX/XXXX EXP vs. XX/XX/XXXX XXXX  vs. XX/XX/XXXX XXXX  ) Legal Grounds : 1681i, 1681e ( b ) Request : delete. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Late payment severity : XXXX late ; inconsistent last payment dates Legal Grounds : 1681i, 1681e ( b ) Request : delete. 
XXXX XXXX XXXX XXXX # XXXX Delinquency XXXX late ; closed account ; inconsistent payment history Legal Grounds : 1681i, 1681e ( b ) Request : Correct discrepancies or delete. 
XXXX XXXX XXXX ( XXXX XXXX ) Late payment XXXX vs. XXXXXXXX XXXX Legal Grounds : 1681i , 1681e ( b ) Request : Delete information. 
XXXX. XXXX ( Student Loans ) Inconsistent payment history : some months XXXX late vs. OK on XXXX Legal Grounds : 1681i, 1681e ( b ) Request : Correct or delete. 
XXXX. XXXX XXXX Paid and closed since XXXX ; post-closure late payments Legal Grounds : 1681i, 1681e ( b ) Request : Delete post-closure delinquencies ; mark Paid as agreed. 
I request written confirmation of the deletion or correction of all unverifiable/inaccurate items within the timeframe allowed under 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 2025-10-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC
State: TX

Complaint narrative:
I've tried to call and leave messages numerous times over a couple years to try and get someone to help me from, " XXXX XXXX '' so they can look at my financial situation change and need for a lower payment or interest rate. When I first got the loan at 25 % I knew it was high but at that time I was able to keep up with payments and figured I would refinance after a couple of months to maybe lower the APR. Sadly, this company did not call me back, did not answer emails or messages left ever, and has not wanted to work with me at all to lower my bill even when I lost my income due to my XXXX. I'm a 100 % XXXX veteran who is now struggling to work, and after I've tried to explain this in numerous emails and portal request they have yet to respond! When I submitted the last complain, the company said they contacted me on this and that is a lie! I wish CFPB would ask them or investigate to see the email or phone logs on them contacting me cause I 100 % have not gotten any support or emails from them even after requesting it over XXXX  years now! I still pay my bill, but I am drowning to keep up with the extremely high payment! 25 % APR is a nightmare! Can someone please investigate this and don't let them say they contact me without showing you evidence. Thank you!!! 

Account # XXXX XX/XX/XXXX purchased vehicle for {$44000.00} in XXXX  months of payments, I've paid {$34000.00} as of today ( XXXX XXXX, XXXX ) and ONLY {$10000.00} went towards my actual principle!! So right now, I've paid $ XXXX towards my interest and {$10.00} towards my car!!! HOW IS THIS LEGAL???? You can go and look at my statements and see how much I keep paying every month and how this company does not let me get any support or change as they keep stealing from me. I NEED HELP!!! 

Please have the company show you actual proof of them trying to work with me because I would love to see it myself!

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 2025-10-29 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 Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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. 

This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Wels Fargo will not accept payment requests from XXXX  XXXX XXXX concerning an XXXX XXXX card I use. Despite repeated requests to communicate with XXXX  XXXX XXXX Wells Fargo insists XXXX  XXXX XXXX has failed to make the proper request despite my lengthy conversations with XXXX  XXXX XXXX ensuring they are in fact doing so.

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 2025-10-29 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: CO

Complaint narrative:
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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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