vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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: TX

Complaint narrative:
The following unauthorized inquiry must be deleted from my consumer report immediately. I did not authorize or initiate this inquiry, and its continued presence on my report violates my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, which requires consent for any credit inquiry. I did not file for this inquiry, and allowing it to remain is an act of negligence and noncompliance with federal law. This unauthorized inquiry is damaging my credit and should not be reported under any circumstances. I have escalated this matter to the FTC and am now seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to ensure this unauthorized inquiry is deleted immediately and that my credit report is updated to reflect only accurate and authorized information. I demand that TransUnion delete this inquiry without delay and take the necessary steps to prevent any further unauthorized reporting. This ongoing issue has caused significant harm to my credit score and financial well-being, and I will take further action if this matter is not resolved promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: WA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: WA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: ID

Complaint narrative:
I am filing a complaint against LVNV Funding LLC and Resurgent Capital Services for failure to properly validate an alleged debt under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). After requesting debt validation, Resurgent Capital Services provided only an account summary report and a billing statement from the original creditor. These documents do not establish legal ownership of the debt by LVNV Funding LLC, nor do they demonstrate Resurgent Capital Services authority to collect on
LVNVs behalf.

No bill of sale, chain of assignment, account-level transfer documentation, or original signed agreement was provided. Despite this, the companies continue to represent that the debt is valid and collectible.

This constitutes insufficient validation and may misrepresent the legal status of the debt. I am requesting that the CFPB require LVNV Funding LLC and Resurgent Capital Services to : Provide full chain-of-title documentation Provide proof of authority to collect Cease collection and credit reporting until proper validation is produced Copies of correspondence and notices are available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: BANKERS HEALTHCARE GROUP LLC
State: TX

Complaint narrative:
https : //bhgfinancial.com/ provides no portal to manage your account or update payment information. I contacted them multiple times and submitted information to them multiple times to have them update my ACH information and collect payments from a new account. They failed to even try to take a payment from the new account and sent me to collections, and claimed the whole amount was due. 

BHG even closed the support ticket and marked it as resolved. As there is no way for me to send them money, they have to set up the ACH and withdraw it ; a missed payment due to their NOT processing it should be their responsibility and not mine. 

They did this because they knew I was laid off and needed financial hardship support, so instead of fixing my account and discussing options, they intentionally made it late so they could send it to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: NJ

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 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 2025-12-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I made an {$1800.00} purchase because of a 30 % rewards promise but only received 1.5 % in rewards. I contacted capitol one and they refused to honor the 30 % offer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
* * Subject : * * Furnisher Reporting a Charge-Off Without Sending Required Notices * * To : * * Consumer Financial Protection Bureau XXXX CFPB ) * * From : * * COMENITYBANK/NY & CO * * Regarding : * * COMENITYBANK/NY & CO, Account no XXXX XXXX XXXX XXXX XXXX XXXX XXXX Summary of Complaint : * * I am disputing the way COMENITYBANK/NY & CO is furnishing a charge-off on my consumer report. They have failed to comply with federal law by not providing me with either : 1. A Negative Information Notice under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( FCRA 623 ( a ) ( 7 ) ), and 2. An Adverse Action Notice under 15 U.S.C. 1681m ( FCRA 615 ). 

Both notices are mandatory, and the furnisher must provide them to me in writing. 

* * Details of the Issue : * * - The account in question is a credit card issued by COMENITYBANK/NY & CO - The account reported positively for a period of time. 

- After I became delinquent, COMENITYBANK/NY & CO charged it off and began reporting derogatory information to the credit bureaus. 

- I never received a Negative Information Notice. 

- I never received an Adverse Action Notice. 

* * Why This Matters : * * - The Negative Information Notice exists so consumers are warned before derogatory data damages their credit. 

- The Adverse Action Notice exists so consumers know their rights to review, obtain, and dispute their credit report. 

* * What I Am Requesting : * * 1. Provide proof that both required notices were mailed to me, and provide actual copies.

2. If no proof exists, delete the charge-off tradeline from all credit reporting agencies and cease further furnishing.

* * Consequences of Non-Compliance : * * - Failure to send a Negative Information Notice violates 623 ( a ) ( 7 ) and makes the tradeline unlawfully furnished. 

- Failure to send an Adverse Action Notice is a direct violation of 615 and gives me the right to sue under 1681n and 1681o.

* * Relief Requested : * * - Immediate investigation and enforcement action by CFPB. 

- Written confirmation that proof is provided or deletion of the charge-off occurs

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I WAS COERCED INTO A SHOP OFF THE XXXX XXXX IN XXXX, XXXX, WHERE I WAS BULLIED INTO MAKING A PURCHASE. 
I BOUGHT XXXX SCARVES AND XXXX SMALL GLASS VIALS OF SPICES. THE SIGN ABOVE THE SCARVES READ {$2500.00} TURKISH LIRA APPROX. {$60.00} XXXX DOLLARS. THE SPICES WERE QUOTED AT {$830.00} TURKISH LIRA APPROX. {$20.00} USD. AFTER ANXIOUSLY COMPLETING MY PURCHASE, I ASKED FOR THE RECEIPT AND WAS TOLD IT WAS IN THE BAG. THE VENDOR PROCEEDED TO MAKE INAPPROPRIATE COMMENTS AND TRIED TO TOUCH ME. IN A PANIC, I FLED THE SHOP AND ONCE SAFE I WAS UNABLE TO FIND THE RECEIPT OR RETRACE MY STEPS. AS A SENIOR TRAVELING ALONE, I DID NOT REALIZE I HAD BEEN GROSSLY OVERCHARGED UNTIL I RECEIVED MY BANK STATEMENT. I REACHED OUT TO WELLS FARGO AND THE MERCHANT, BUT HAVE NOT BEEN ABLE TO RECTIFY THE SITUATION. THE LAST LETTER FROM WELLS FARGO ( ITEM # XXXX ) STATES THE MERCHANDISE WAS DELIVERED TO THE ADDRESS PROVIDED TO THE MERCHANT. WHEN I TOLD THEM I PROVIDED NO ADDRESS AND WHAT ADDRESS WERE THEY WERE USING, THEY SAID THE CLAIM WAS OFFICIALLY CLOSED,, AND I WOULD HAVE TO CONTACT THE MERCHANT. I WAS SCAMMED, NEARLY XXXX AND TAKEN ADVANTAGE OF, BUT BECAUSE I CAN NOT PROVIDE A RECEIPT, THE BANK IS UNWILLING TO HELP ME RECOUP MY FUNDS. I AM ON SOCIAL SECURITY, AND EVERY PENNY HELPS. WHEN I TRIED TO REACH THE MERCHANT, I ENDED UP SPEAKING TO A LEATHER GOODS SHOP, AND NO ONE KNEW WHAT I WAS SPEAKING ABOUT. I HAVE ATTACHED SUPPORTING DOCUMENTATION. 
THANK YOU FOR YOUR TIME

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 2025-12-15 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: NJ

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 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 2025-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: IL

Complaint narrative:
b'I made a purchase of XXXX XXXX XXXX  with a person claiming to sell a product on Facebook. At first they asked for XXXX for the product and then XXXX for the cost of shipping. Then later on they asked for XXXX for insurance on the shipment. After repeatedly asking for tracking information they sent me a fake tracking number of XXXX XXXX XXXX XXXX. After telling them that was not a real tracking number they blocked me from their Facebook page and would no longer respond. I then reported it to Chime as a scam and they said they would investigate but would that even if it was proven as a scam I would likely not get my money back.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Klima, Peters & Daly, P.A.
State: MD

Complaint narrative:
I am filing a complaint regarding abusive and unprofessional debt-collection conduct by XXXX, XXXX & XXXX. 

On XX/XX/year>, I contacted the firm regarding a judgment account. During this call, XXXX separate phone agents spoke to me in a rude and dismissive manner. When I requested a supervisor, I was initially denied and told to call back. 

When I called back and asked for a supervisor, the supervisor who came on the line was condescending, unprofessional, and ultimately terminated the call by hanging up on me. 

This conduct interfered with my ability to obtain accurate information about the debt and created a hostile and abusive communication environment. 

Law firms acting as debt XXXX are required to refrain from harassing, abusive, or oppressive conduct. I am requesting that this firm be instructed to communicate professionally

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Wellsfargo closed a credit card dispute that was opened in error but is refusing to provide dispute closure confirmation letter or any written confirmation. XXXX XXXX requires this documents to release my ticket. Wellsfargo supervisor refused to reopen and close the dispute to generate a system closure notice and instructed me to wait indefinitely for a callback. This refusal is preventing merchant resolution and is causing financial harm.

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 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my creditreport.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: TX

Complaint narrative:
I HAVE NEVER BEEN LATE ON THE ACCOUNTS LISTED AS DELINQUENT.

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I was never issued nor received a 1099C but my after reviewing my credit report it states that USAA/ XXXX CARD has payment status as charged off & under remarks it says Profit and loss write-off account closed by creditor grantor so by FCRA law I should have been issued a 1099C for tax purposes & should not be furnished on my credit report showing I'm liable for owing debt that can still be collected even tho it has been written off already that's fraudulent.

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 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/2025, I discovered multiple unauthorized debit card transactions posted to my BMO bank account. These transactions were not made or authorized by me. 

The disputed transactions include the following : Claim ID XXXX : XXXX transaction in the amount of {$260.00} Claim ID XXXX : XXXX XXXX transaction in the amount of {$21.00} Claim ID XXXX : XXXX transactions in the amounts of {$160.00} and {$55.00} The total amount of unauthorized charges is approximately {$510.00}. I do not have a XXXX account and have never conducted business with the merchant XXXX XXXX 

Immediately after identifying these charges, I contacted BMO and formally filed fraud claims for each transaction. On the same day, I also contacted XXXX directly to confirm that these purchases were not made by me. XXXX confirmed that the transactions were not associated with my account. 

Despite my prompt reporting and cooperation, BMO closed all fraud claims without providing any advance notice, meaningful explanation, or supporting evidence. I was not given any documentation showing how the investigation was conducted or why the transactions were determined to be authorized. 

I did not receive provisional credit, nor was I informed of my appeal rights prior to the claims being closed. Based on the lack of transparency and explanation, I believe BMO failed to conduct a reasonable and good-faith investigation into these unauthorized transactions. 

I am requesting that these disputed charges be properly reinvestigated, that written documentation explaining the basis of BMOs determination be provided, and that any unauthorized funds be credited back to my account in accordance with applicable consumer protection laws.

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