vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-28 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: CLGF Holdco 1, LLC
State: TN

Complaint narrative:
I am filing a complaint regarding my Milestone Mastercard account due to unresolved fraudulent charges, failure to provide a replacement card or account access, and inaccurate credit reporting. 

At the end of XX/XX/year>, I reported my card lost and reported unauthorized charges on the account. I was told the card would be replaced. However, the fraudulent charges were never removed, and although Milestone claims a replacement card was sent, I never received it. 

Because I never received a replacement card or the new card number, I have no way to access my account online, view statements, or make payments. Despite this, Milestone is now claiming I owe approximately {$700.00}, has added fees bringing the balance above the credit limit, and has reported my account as 3059 days late to the credit bureaus. 

I am being penalized for a balance that consists of unresolved fraudulent charges on a card I do not have and an account I can not access. I have made good-faith efforts to resolve this issue, but customer service has been unhelpful and I have not been given a way to review or manage the account. 

I am requesting that Milestone : 1. Conduct and complete a formal fraud investigation 2. Remove all unauthorized charges and related fees 3. Correct the account balance 4. Remove the late payment and any negative credit reporting related to this issue 5. Provide proper account access and documentation The current balance and credit reporting are inaccurate and the result of the companys failure to properly handle my fraud report and replacement card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo called me on the phone telling me that have closed my accounts. As an business decision and holding all funds until XX/XX/XXXX. All of this was done on XX/XX/XXXX. 
I have been severely impacted by their actions by not having funds for my XXXX medications., paying for rent, food, I have been surviving on {$10.00} a week for food. 
Please help me in releasing the {$26000.00} plus funds I am in a life-threatening situation due to the fact Wells Fargo is withholding funds for my XXXX medications. 
I need a supervisor for an XXXX release of funds. 
Sincerely, 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 2025-12-28 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:
I am submitting this complaint to dispute an unauthorized credit inquiry that is appearing on my Experian credit report. I did not provide written or verbal authorization for this inquiry, nor did I apply for credit with this institution. Under the Fair Credit Reporting Act ( FCRA ), all inquiries must be the result of a permissible purpose. Since this inquiry was made without my consent, it is inaccurate and should be removed. 

Disputed Inquiry : XXXX XXXX XXXX XXXX XX/XX/year> I am requesting that Experian conduct a full investigation and permanently remove this unauthorized inquiry from my credit file. 

Late Payment Dispute I am disputing the late payment information listed below as it is inaccurate, incomplete, and not reported in compliance with the FCRA. These accounts contain late payment remarks that do not accurately reflect my payment history and have not been properly validated. 

Disputed Late Payments : XXXX  Account ending XXXX XXXX  XXXX Account ending XXXX XXXX Account ending XXXX XXXX XXXX Account ending XXXX XXXX Account ending 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 2025-12-28 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: FL

Complaint narrative:
Dear Experian, I am writing to formally dispute several accounts currently appearing on my Experian consumer credit report. This dispute is submitted pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, after reviewing my report and identifying material inaccuracies, unverifiable data, and information that may have resulted from unauthorized access or data breaches. 
DISPUTED EXPERIAN ACCOUNTS INCLUDE ( BUT ARE NOT LIMITED TO ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The XXXX XXXX XXXX XXXX XXXX XXXX XXXX Co. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK SOCIAL SECURITY XXXX ( Overpayment ) KIKOFF LENDING LLC OPPLOANS / CC BANK ( Charged-Off Account ) XXXX XXXX ( Delinquent Installment ) TCG FINANCIAL XXXX Auto Loan Late Status Reporting ) FCRA VIOLATIONS IDENTIFIED These accounts violate multiple sections of the FCRA, XXXX but not limited to : 15 U.S.C. 1681e ( b ) Failure to report with maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information known or should be known to be inaccurate 15 U.S.C. 1681c ( a ) Improper aging and reporting of delinquency dates 15 U.S.C. 1681b Reporting without a permissible purpose Several of these tradelines display conflicting balances, dates, and statuses, which alone confirms the information is not reliable nor verifiable. 
DATA BREACH & UNAUTHORIZED REPORTING NOTICE Due to the nature of these accounts, the lack of consistent reporting across bureaus, and the involvement of third-party collection agencies, I have reason to believe my personal information XXXX have been exposed, mishandled, or accessed without authorization. 
If Experian can not obtain competent, first-hand verification, including : A signed contract bearing my signature Proof of lawful assignment XXXX payment history Proof of consumer authorization

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 2025-12-28 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
On XX/XX/year>, I had an unauthorized credit card opened at XXXX XXXX via XXXX XXXX  ending in XXXX. I did not open this card, and no one with my authorized information opened this card. I received an alert that suspicious activity was reported on the card and transactions were restricted. I also received an alert through my bank, XXXX XXXX about the credit inquiry on my credit report, which they monitor. I called XXXX XXXX on XX/XX/year> to report this, and I filed a fraud report with them case # XXXX. They recommended that I contact all of the credit bureaus to freeze my credit, which I just did. 

While doing so, I received another alert via my bank XXXX XXXX, that another credit card attempt was made at XXXX, which is The XXXX XXXX via XXXX. I tried contacting XXXX, but their automated system couldn't ' find my information, and they have no options to speak to a human. I'm not sure if that means this credit card was never allowed to be opened or what.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
After an annual membership fee was flagged as suspicious activity on my Bank of America XXXX credit card, I was locked out of my online banking account. I provided the answers to online prompts to reset the account but it failed. I was directed to call a hotline instead to have my account unlocked. After several calls, there was difficulty using the phone number on record to verify the account was mine via a code they could send by text message. The agent in the fraud department could not explain why the system did not allow my number to be used as before to verify the account and allow me access. They did mention that my online account would remain locked because of the charge. The only option I was given was to go to a physical location for Bank of America, which was not an option since I was abroad for the winter. They stated that even though I was out of the country, there was no way to remotely verify my account. Even sending a code by mail, which they have done before, was said to not be an option, though they could not explain why. They would also not allow me to pay off the outstanding credit card charges while the account remains locked ( and accruing fees ). By not allowing me access to my account, they are effectively forcing me to miss payments and damage my credit score.

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 2025-12-28 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: FL

Complaint narrative:
I am filing this complaint because TransUnion is reporting unauthorized personal data and accounts without my express consent, violating 15 U.S.C. 1681b. Attached is my FTC Report # XXXX. 



I. Personal Information Correction : I demand the deletion of all name variations except XXXX XXXX. Also, delete all previous addresses ; my only valid address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 

XXXX. Account Deletion : The following accounts were reported without my verifiable authorization : XXXX. XXXX XXXX - Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Balance : {$10000.00} ) XXXX. XXXX - Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( Balance : {$2400.00} ) XXXX. XXXX - Acct : XXXXXXXX XXXX  ( XXXX : {$1800.00} ) XXXX. XXXX XXXX - Acct : XXXX ( Balance : {$870.00} ) XXXX. XXXX XXXX XXXXXXXX - Acct : ( Individual ) ( Balance : {$180.00} ) Per 15 U.S.C. 1681c-2, you must block this information within 4 business days.

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 2025-12-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: World Acceptance Corporation
State: GA

Complaint narrative:
I was talk to any kind of way the person that did my loan yelled at me and talking to me bad it was XX/XX/year> I am scared to go back down there by myself because I do not know what she will do next it was other employees in there and I was on the phone with my husband also it was not good for me that day I will let you know more when you all call me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: NV

Complaint narrative:
I am submitting this CFPB complaint to dispute inaccurate charged-off accounts and questionable inquiries appearing on my TransUnion credit report. I am exercising my rights under the Fair Credit Reporting Act to ensure my report reflects only accurate and fully verified information. 

XXXX Accounts in Dispute ( TransUnion ) XXXX Account XXXX. XXXX | Opened XX/XX/XXXX | XXXX {$1200.00} XXXX XXXX Account XXXX. XXXX | Opened XX/XX/XXXX | Balance {$15000.00} Unauthorized / Unverified Inquiries ( TransUnion ) XXXX XXXX XX/XX/XXXX XXXX  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 2025-12-28 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: NY

Complaint narrative:
Charged-Off Accounts I dispute the following accounts as inaccurate or incomplete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payments I dispute the following reported late payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request Equifax verify these accounts and remove any late payments that can not be substantiated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against the following credit reporting agencies : TransUnion, Equifax, and Experian, concerning inaccurate information on my credit report. 

Issue Summary : The report shows an account listed as XXXX XXXX, with a potential negative balance of {$3500.00} on my Experian report. 
TransUnion : This report indicates the account is closed on XX/XX/year> but includes two late payments. 
Equifax : This report states that the account is closed due to fraud. 

I want to clarify that I did not take out this loan, and this account should not be on my credit report. According to 15 U.S.C. 1681i, I have the right to dispute any inaccurate, incomplete, or unverifiable information on my credit report. 

This inaccurate information is negatively impacting my credit score. I need all three credit reporting agencies to be on the same page with my credit report. I request that this account be removed from all three credit reports immediately and that the two late payments also be removed, as they are based on fraudulent information. 

If these items are not removed, I will have no choice but to take legal action due to the presence of inaccuracies and fraud on my credit report. 

Thank you for your attention to this matter. I look forward to your prompt responses.

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 2025-12-28 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: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against the following credit reporting agencies : TransUnion, Equifax, and Experian, concerning inaccurate information on my credit report. 

Issue Summary : The report shows an account listed as XXXX XXXX, with a potential negative balance of {$3500.00} on my Experian report. 
TransUnion : This report indicates the account is closed on XX/XX/year> but includes two late payments. 
Equifax : This report states that the account is closed due to fraud. 

I want to clarify that I did not take out this loan, and this account should not be on my credit report. According to 15 U.S.C. 1681i, I have the right to dispute any inaccurate, incomplete, or unverifiable information on my credit report. 

This inaccurate information is negatively impacting my credit score. I need all three credit reporting agencies to be on the same page with my credit report. I request that this account be removed from all three credit reports immediately and that the two late payments also be removed, as they are based on fraudulent information. 

If these items are not removed, I will have no choice but to take legal action due to the presence of inaccuracies and fraud on my credit report. 

Thank you for your attention to this matter. I look forward to your prompt responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Dispute of Inaccurate Credit Reporting Portfolio Recovery Associates I am disputing the reporting of a XXXX XXXX Bank account by Portfolio Recovery Associates. 

This account shows an opened date of XX/XX/year>, which is factually incorrect. I did not open any XXXX XXXX accounts in 2024. This account is a re-reporting of an old XXXX  XXXX debt, and the reporting of a new opened date falsely restarts the XXXX reporting period. 

Reporting an account with a false opened date is inaccurate and violates FCRA 623. Additionally, this same XXXX XXXX account is being reported by XXXX XXXX with a different balance and a different date, further demonstrating inaccurate reporting. 

I am requesting that Portfolio Recovery Associates : XXXX. Correct the opened date to reflect the original accounts date of delinquency ( or remove the account if they can not verify it ) XXXX. Cease reporting false information in violation of FCRA XXXX. Delete the account if they can not verify accurate ownership or balances Please provide documentation verifying the legitimacy of this account, or remove it entirely from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: GA

Complaint narrative:
I am writing as a consumer who is actively reviewing and correcting my credit report. Upon reviewing my Experian credit file, I noticed an inquiry listed by XXXX XXXX XXXX XXXX dated XX/XX/year> that I do not recognize and did not authorize. 

I have no record of submitting an application, granting written or verbal permission, or otherwise providing permissible purpose for XXXX XXXX XXXX XXXX to access my consumer report on this date. As such, this inquiry appears to be inaccurate and/or unauthorized. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), a creditor must have a valid permissible purpose before accessing a consumers credit report. If Experian can not verify that this inquiry was made with my explicit authorization or a lawful permissible purpose, it must be removed 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 explanation
Consumer complaint received 2025-12-28 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:
Dear Equifax, This letter serves as my formal dispute of inaccurate and unverifiable accounts appearing on my Equifax credit report, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 
After reviewing my report, I have identified accounts that are incorrectly reported, improperly verified, or potentially the result of unauthorized access or data compromise. 
DISPUTED EQUIFAX ACCOUNTS INCLUDE : 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 FINANCIAL LEGAL BASIS FOR DISPUTE These tradelines violate : 1681e ( b ) Inaccurate reporting 1681i ( a ) Failure to reinvestigate properly 1681s-2 Furnishing unverifiable data 1681c Improper reporting periods 1681b No permissible purpose DATA BREACH STATEMENT Given the volume of disputed data, inconsistent reporting, and collection activity without proper validation, I reasonably suspect unauthorized access to my personal information. Any account that can not be fully validated must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: CITIBANK, N.A.
State: OK

Complaint narrative:
On XX/XX/year>, a hotel reservation was booked through Citi XXXX for {$540.00}. The reservation was canceled within 24 hours, on XX/XX/year>, as confirmed by Citi XXXX cancellation email. 

The hotel ( XXXX XXXX XXXX XXXX ) later confirmed in writing that it authorized and processed a full refund through XXXX XXXX XXXX XX/XX/year>. However, the refund was never credited back to my Citi credit card. 

I contacted Citi multiple times and reopened a dispute specifically as a refund not received case, separate from the original transaction dispute. I provided written documentation from the hotel confirming that the refund was processed and that the failure to release the funds was on the booking platforms side. 

Despite this documentation, Citi closed the dispute and stated it could not assist further, directing me to resolve the issue directly with the merchant. Citi did not reconcile the merchants written confirmation of refund with the absence of the credit on my account. 

I am requesting that Citi properly investigate and resolve this refund-not-received dispute in accordance with the Fair Credit Billing Act and credit my account for the {$540.00} that was refunded by the merchant but never received.

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