vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
I bought a XXXX  XXXX XXXX last XXXX. When I got a oil change I was told the coolant was low. They topped it off. Prior to this my car Hot censor started to come on.. So the coolant being low. Makes sense. Thank I took the car to the dealership and they did nothing but give me a oil change. That I didn't need or ask for. Than I was texting the entire time they had my car. This is the 2nd time. First time I had to come back and get my car. They hadn't even started working on i. I was asked to give permission to test drive. I said yes. I have the proof in text. When I picked my car up. It said cs denied test drive. Which is a lie. Why would I deny them to see the issue. I have pics of coolant tank and the meter when it gets hot. I barely drive my car due to this issue. I have a XXXX XXXX  child who constantly has XXXX XXXX. It dangerous to drive with this issue with my kids. This is stressful and has been a constant issue unresolved. I am still being asked to pay for a car {$600.00} a month and car I can't use. This is ridiculous. I have contacted the consumer dept for Hyundai. They are supposed to become investigating.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: SC

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX XX/XX/XXXX Complaint Department Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Information under the Fair Credit Reporting Act Dear Sir or Madam, I am writing to dispute inaccurate information appearing on my credit report issued by your agency under file number XXXX The information associated with my Social Security number is incorrect. 
Specifically, the inaccurate information concerns my Social Security number that you have on file for me. I request that you investigate this matter pursuant to the Fair Credit Reporting Act ( FCRA ) and delete or correct the inaccurate information immediately. 
Under the FCRA, you are required to complete your investigation within 30 days of receiving this dispute and update my credit record accordingly. Please provide written confirmation of your findings and a corrected copy of my credit report reflecting any changes made. Additionally, notify all parties who have received my credit report in the last six months about the corrections. 
Enclosed are copies of supporting documents to verify my identity and assist with your investigation, including : A copy of my Social Security card A copy of my government-issued ID A copy of the credit report with disputed items circled Thank you for your prompt attention to this serious issue. 
Sincerely, XXXX XXXX XXXX Enclosures : Social Security card copy Government-issued ID copy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo NA refuses to attach the correct documents to claim XXXX They are purposely pushing through the incorrect documents for a fraud claim to automatically trigger a denial. 
The documents have been approved and submitted by a branch manager on XX/XX/XXXX at XXXX at XXXX XXXX XXXX XXXX XXXX California XXXX. The documents are three pages long. 

How can I be denied on one page documents if the branch manager submitted 3 page documents? lol With company name, authorized amount, and in the correct format. 

Wells Fargo claims and case managers are fraudulently pushing through 1 page insufficient documents to Visa to trigger a denial so the claims department does not have to pay out on fraud claims. 

The only " compelling evidence '' they have is a 1 page, incorrect document. So it's going to be difficult to prove your evidence is very compelling when the full evidence is 3 pages lol there will be a discovery stage for that where reality will hit. 

I am submitting a complaint questioning their fidelity and fair business practices. 

I am also contacting executives on XXXX regarding this matter. 

I am also leaving reviews on the branch XXXX and XXXX  pages to warn other consumers of malpractice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I recently checked my credit report and realized the company is reporting unknown adverse information on my credit report concerning an alleged debt. I have no knowledge of any business with the company. And I also never engaged in any contracts giving the company consent to furnish anything on my credit report. I feel extremely violated and upset that my privacy would be invaded in such a way. And that my identity would be used without my consent. The company 's actions have damaged my credit rating and hindered my access to credit. The company has violated FCRA permissible purposes of consumer reports, by furnishing unknown transactions to credit reporting agencies without my written consent. The company has also violated FDCPA 1692e by communicating with me concerning the false character, amount, and legal status of the alleged debt. And stating that I owe that debt.

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 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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: FL

Complaint narrative:
I am the victim of identity theft. Multiple fraudulent accounts and inaccurate late-payment entries are being reported on my Equifax credit report, and none of these accounts belong to me. 

Because of this inaccurate information, I was denied a job offer after an employer received my background report. This has caused direct financial and reputational harm. 

I have already contacted Equifax and filed disputes. Some accounts were deleted, but others remain under active dispute status and are still appearing as negative on my report. 

These fraudulent accounts and late-payment records are identity theft and must be permanently removed. I request that the CFPB ensure Equifax fully reinvestigates and deletes every account related to identity theft, updates my file, and confirms the corrected results in writing. 

I also request that Equifax notify any third parties who received my inaccurate report including the employer that denied me employment that these items were fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Im really frustrated with Citi regarding my XXXX XXXX credit card. I applied and was approved for the card on XX/XX/year>, but just a few days later they suddenly put a hold on my account asking for income verification. Ive already provided the documents twice, yet the card is still on hold with no clear update or explanation. Whats even more upsetting is that this card comes with a {$590.00} annual fee, and I havent even been able to use it. This whole experience has been extremely disappointing and inconvenient.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-08 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: FIRST NATIONAL BANK OF OMAHA
State: IA

Complaint narrative:
I was in a Scheels store they offered a credit card I said no at first. But, they convinced me it was a great deal. I signed up and they gave me a temporary card. I did not receive a statement from them till XXXX. When I received it I seen a late charge. I called them right then and paid it off. Later I found my credit score to have dropped XXXX points because of this. 

I did not receive a bill for the first two months. Not an error of my own. As soon as I received the bill/statement it was paid. 

I have disputed this through XXXX  with no real results. I would add their report but their website is not letting me print it out at this time so I will add a screenshot. Their before and after was the exact same. Meaning they didn't do anything. I have even called and spoke to a supervisor there and was told they could not do anything. I would never have dealt with this company if I had thought they would kill my credit score over XXXX dollars. I even declined at first but, salesclerk did a great job.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
This case concerns whether a debt collector violates the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq., by knowingly filing a proof of claim in a consumers bankruptcy proceeding to collect debt for which the statute of limitations has expired. The governments amicus brief argues that such a filing constitutes a misleading representation and an unfair means to collect a debt in violation of the FDCPA, and that the Bankruptcy Code does not preclude a debt collector from being held liable for those violations.A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
The amount that was debit from my account was in the amount of {$400.00} which was debit by XXXX XXXX on or about XXXX XXXXWhat occurred is that I paid for service or merchandise that was not provided or rendered.After providing the amount of {$400.00} the amount was transferred to another vendor which was not indicated by the consumer, XXXX XXXX XXXX XXXX funds I did not transferred the said funds which is illegal by XXXX XXXX because it was not authorized by me to transfer the amount of {$400.00}. I have been fighting this matter since it occurred on or about XXXX XXXX which I received a new debit card after by letting Capital One know that this was fraud. I did not transfer the said funds to another company XXXX XXXX transferred those funds which is illegal to transfer those funds after I only sent the said funds to XXXX XXXX they were not authorized to transfer those funds anywhere. I did not authorized the transfer those funds anywhere. I paid for a service or product that was not rendered upon request with my debit card which you have a right to dispute a transaction that was not authorized and that was the transferred funds to XXXX on or about XX/XX/XXXX or XXXX XXXX as indicated by Crypto.Crypto did not have the right to have those funds from Capital One, the complaint is for Capital One which I have been a victim of a data breach by Capital One in the year of XXXX and XXXX  XXXX XXXX in the year of XXXX. I have sent Capital One all of the required documents for this transaction, which Capital One keep taking the said funds back out of my account. The last four digits of the claim is XXXX, which there are several more claims that has been filed in this matter. If you look at the documents of what I am providing it states transfer which it should state purchase not transfer on the on XXXX XXXX On this day of XXXX XXXX. The purchase was made with my debit card not transferred on the documents it just states transfer which I did not make a transfer it was purchase only.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: GA

Complaint narrative:
This dispute is being submitted directly by me, XXXX XXXX, the consumer, under my rights afforded by FCRA 611 and 609 ( a ). TransUnion refused to investigate a valid dispute under FCRA 611 by falsely asserting the complaint did not come from me. I am the consumer, and this dispute was personally authorized. Ive provided identification and resubmitted directly to TransUnion. Please note this as a failure to conduct a reasonable reinvestigation. 
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. On or around XX/XX/year>, I discovered accounts appearing on my credit report that I did not open or authorize. These include a negative credit card account showing a balance of approximately {$43000.00} ( XXXX XXXX, XXXX XXXX, XXXX  XXXX, and XXXX XXXX XXXX XXXX  ) a cable bill for {$110.00} ( XXXX XXXX XXXX ) and XXXX personal loan accounts ( XXXX XXXX XXXX ). I never applied for or used these accounts. After noticing these items, I immediately filed an FTC Identity Theft Report ( Reference # : XXXX ) and a police report with my local department on XX/XX/year>. I also contacted the credit bureaus and requested fraud alerts to be placed on my file. Despite my disputes, the accounts remain on my credit report. The companies have continued to report them as if they are valid debts. This is causing serious harm to my credit standing and has resulted in at least XXXX credit denial. I am requesting that the companies conduct a full investigation, recognize that these accounts resulted from identity theft, and remove all fraudulent accounts, inquiries, and associated negative information from my credit report in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ). I am attaching a bill, my licences, and a photo copy of my social security to prove my valid identity.

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 2025-11-08 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: AL

Complaint narrative:
I am disputing several collection accounts because the debt collectors failed to provide a valid bill of sale or proof of ownership for the alleged debts, which violates my rights under the Fair Credit Reporting Act ( FCRA ) 1681i and 1681s-2 ( a ) ( 1 ) ( A ). I am also a verified data breach victim, with proof of settlement confirming my information was compromised. This raises serious concerns that the reported accounts may be the result of identity theft or misuse of my data, violating FCRA 1681e ( b ). I am requesting that the companies conduct a full investigation and remove any unverifiable or inaccurate information from my credit report.

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 2025-11-09 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am writing to formally dispute the accuracy and validity of a charge-off account that appears on my credit report. The account information is listed as follows : Creditor Name : Best Buy/CBNA Reported Balance : {$610.00} I previously submitted disputes regarding this account, but the information continues to reappear or remain unchanged, despite no verifiable proof being provided by the furnisher. Under the Fair Credit Reporting Act ( FCRA ) Sections 609 and 611, I am requesting that you : Provide documentation verifying the accuracy and ownership of this account including a signed contract or original documentation showing I am legally responsible for this debt. 

Reinvestigate the account with the data furnisher. 

Delete the account if the furnisher can not provide proper verification within the timeframe required by law. 

Please send me the results of your reinvestigation and copies of any documentation used to verify this account. If the information can not be verified, it must be removed from my credit file immediately. 

Thank you for your prompt attention to this matter. 

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 non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX at XXXX am someone accessed my cash app account disconnected my card added another and transfer out XXXX dollars then disconnect that card. Then at XXXX another XXXX was taken from account to a bank I never heard of. I contacted cash app the XXXX time that afternoon when I discovered the actions. I gave as much detail and even stated there was never a card attached the this cash app account besides the cash app card. When asked for the documentation that they based the denial on they just sent me the XXXX transactions I was complaining about.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC
State: AK

Complaint narrative:
We were notified by XXXX XXXXXXXX XXXX XXXX XXXXe that CrossCountry Mortgage failed to pay the following expenses from our escrow account : o Property taxes : {$3800.00} due on XXXX XX/XX/year> o Late Penalty : {$500.00} ( as of XXXX XX/XX/year> ) o Additional Late Penalty : {$150.00} ( if payment is not received by XXXX XX/XX/year> ) We notified CrossCountry Mortgage of this issue on XXXX XX/XX/year>. On XXXX XX/XX/year>, CrossCountry Mortgage informed us that a check for the delinquent taxes and late fees had been mailed to XXXX XXXX XXXX XXXX XX/XX/year>. To date, however, XXXX XXXX has not received the check. 

We called CrossCountry Mortgage on XXXX XX/XX/year> to inquire as to whether there was a tracking number or any information available regarding the check that had been sent and what actions could be taken to resolve the issue. The individual we spoke to ( we believe her name was XXXX XXXX stated that there was nothing that could be done until at least fifteen business days had passed since the check was mailed. As such, we waited until XXXX XX/XX/year> and confirmed with XXXX XXXX XXXX XXXX  that they still have not received the check. On the same day, we called CrossCountry Mortgage and again spoke with XXXX who informed us that we would just have to continue waiting to see if the check turned up. As we did not think that was an acceptable response, we asked to have the issue elevated above XXXX. She connected us with someone named XXXX who told us there was nothing she could do apart from sending a message to the escrow department. After this call, we called another phone number we located on the CrossCountry Mortgage website and spoke to someone at the Front Desk who also said she would send a message to the escrow department and someone would contact us. We still have not received any response and can not afford to continue waiting as delinquent property taxes puts our home at risk of foreclosure. We sent a formal Notice of Error to CrossCountry on XXXX XX/XX/year> in hopes that that will help get a response but are growing frustrated and concerned due to the lack of responsiveness thus far and the fact that we have not been allowed to speak directly with someone in the escrow department who can solve this problem for us.

Company response to consumer: Closed with non-monetary relief