vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-16 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Recently checking my credit report I notice that I had multiple collection and closed accounts. All of these accounts I have no knowledge of. 
They have been open and used without my consent. I reached out to these companies and financial institutions to get an understanding of how these accounts had been opened. As well as to let them know that I had no knowledge of them and that I had been a victim of Identity theft. 
These accounts are as follows : 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 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported 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 2025-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
On XX/XX/year> me and my wife was visiting XXXX XXXX and we were XXXX XXXX XXXX. The robbers XXXX  forced me over a 3 day period to withdraw money from XXXX of the ATM debit cards. they XXXX XXXX XXXX XXXX XXXX  my wife and they put XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  if i did not do exactly what they said. I was forced to withdraw a total of {$4000.00} from my bank of america debit card over 3 days and {$2900.00} from my XXXX XXXX  debit card and {$2000.00} on my XXXX XXXX debit card. after being release from the kidnappers i immediately file police report with the kenyan police authorities and my wife was taken to hospital to be treated for her injuries. I contacted my banks and informed them of what happened to me and my wife. I filed the disputes on all of the transactions and the banks all denied my complaint s i had given the banks the police report number of the kenyan police authorities and they never contacted the police authority 's they just denied my claim with a XXXX  statement.

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 2025-11-16 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: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
I am filing this complaint because my XXXX  credit report contains numerous inaccurate, unverifiable, and improperly reported accounts, many of which remain on my report despite prior disputes. XXXX and multiple data furnishers have failed to verify these accounts, update information accurately, or conduct proper reinvestigations as required by the Fair Credit Reporting Act ( FCRA ). 
Some accounts list incorrect balances, incorrect statuses, inconsistent dates, and continued reporting despite my disputes. Several furnishers have not provided validation, contracts, or proof of debt ownership. Under FCRA 602, 607, and 611, any information that can not be verified must be corrected or deleted. 
I am requesting that the CFPB step in and require XXXX  and the data furnishers to conduct a lawful investigation and remove any account that can not be validated with proper documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
SoFi XXXX my {$710.00} CASH ( XX/XX/XXXX : {$500.00}, XX/XX/XXXX : {$200.00} ) for XXXX XXXX  my only car for work, school, and my XXXX daughters XXXX therapy. 

Dispute filed XX/XX/XXXX. XXXX : - Gave {$190.00} credit - TOOK {$500.00} on XX/XX/XXXX- LIED and said I canceled I DID NOT- I said : My local bank wouldnt do this they twisted my words I BORROWED {$710.00} from friends and paid XXXX {$770.00} on another card with {$12.00} late fee. 

SOFI BROKE REG E LAW. 
Refund {$710.00} + {$12.00} NOW. Child with XXXX, no car.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported 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 2025-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Credit Karma, LLC
State: MD

Complaint narrative:
XXXX XXXX posted an advertisement refi, lower interest rate, odds of approval, high. I choose a company offering a low interest rate over XXXX mo. Instead I got many denials from other banking institutions & XXXX offer of an interest rate over XXXX XXXX. I can get a new car loan with an interest rate below what Im paying now plus a lower interest rate. However, I dont want a new car right now. Nonetheless, the advertising is misleading. And its a broker not a lender ( they send your information to multiple banks ). Now, many banking institutions have my personal information. Unfortunately, my credit score decreased and I got nothing out of the deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CarMax, Inc.
State: IL

Complaint narrative:
CarMax approved a loan for a vehicle that I did * * not * * apply for and did * * not * * authorize. This loan is * * not mine * *, and I had no involvement in the application or purchase. 

I first became aware of the issue on * * [ insert date you discovered it ] * * when I saw the loan appear on my credit report/received a notice about the account. I did not provide permission, approval, or any information for someone to obtain this loan in my name. 

I have contacted no one regarding this account prior to filing this complaint because I had no knowledge of it until it appeared. I am reporting this because it appears to be unauthorized activity, and I want to ensure it is removed and corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc

Complaint narrative:
On XX/XX/year>, PayPal permanently limited my account without giving a clear explanation or warning. At the same time, they placed a XXXX hold on my remaining balance of USD XXXX I had been using my account normally and following all PayPal policies. I did not receive any request for verification, documents, or any notice that there was an issue before the limitation occurred. 

After my account was restricted, I attempted to contact PayPal multiple times between XXXX XXXX XXXX. Every response I received was automated and did not provide any useful information or guidance. No one explained why the limitation was placed or why my funds needed to be held for 180 days. 

This situation has caused financial hardship, especially during an ongoing government lockdown when access to my funds is essential. I am unable to withdraw my money, use my account, or get a clear answer from PayPal regarding this action. 

I am requesting assistance in having PayPal : Release my funds instead of forcing a full XXXX hold

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported 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 non-monetary relief
Consumer complaint received 2025-11-16 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party

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 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am formally disputing the materially false late-payment information reported on my XXXX XXXX  account ( Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). This account is fully paid off, closed in good standing, and has never been delinquent, yet late payments are being reported without any notice ever being provided to me, in violation of FCRA 1681s-2 ( a ) ( 7 ). The reporting of this false derogatory information violates the Fair Credit Reporting Act, including 1681e ( b ) ( maximum possible accuracy ), 1681i ( a ) ( duty to reinvestigate and delete inaccurate information ), and 1681s-2 ( a ) ( 1 ) ( A ) and 1681s-2 ( b ) ( furnishers duty not to report or continue reporting inaccurate information ). Because the derogatory mark is unverified, inconsistent with the accounts true status, and was reported without legally required consumer notification, I am demanding immediate deletion of the inaccurate late payment from all credit bureaus. If this matter is not resolved promptly and in compliance with the XXXX statutory timelines, I will pursue all available legal remedies, including filing formal complaints with the CFPB, Attorney General, and seeking civil damages for willful noncompliance under FCRA 616617.

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 2025-11-16 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: IL

Complaint narrative:
XXXXSubject:Inaccurate and Unverified Accounts Reporting After Formal Dispute\nComplaint:I submitted formal FCRA disputes to all three credit bureaus regarding multiple inaccurate accounts, includingXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of Education / XXXX  student loan accounts reporting inaccurate balances and dates\nThe bureaus eitherXXXX  Failed to correct inaccuraciesXXXX  Verified accounts without proper investigation\XXXX  Used automated e-Oscar responses instead of proper reinvestigation\n* Failed to provide evidence supporting verificationXXXX also sent debt validation letters to all collectors.They failed to validate, yet continue reporting  a violation of FDCPA  809(b).\nI am requesting CFPB intervention XXXX. Require proper validation\XXXX. Remove unverified accountsXXXX. Enforce FCRA  602,  607, and  611 complianceXXXXThank you,XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: IL

Complaint narrative:
XXXXSubject:Inaccurate and Unverified Accounts Reporting After Formal Dispute\nComplaint:I submitted formal FCRA disputes to all three credit bureaus regarding multiple inaccurate accounts, includingXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of Education / XXXX  student loan accounts reporting inaccurate balances and dates\nThe bureaus eitherXXXX  Failed to correct inaccuraciesXXXX  Verified accounts without proper investigation\XXXX  Used automated e-Oscar responses instead of proper reinvestigation\n* Failed to provide evidence supporting verificationXXXX also sent debt validation letters to all collectors.They failed to validate, yet continue reporting  a violation of FDCPA  809(b).\nI am requesting CFPB intervention XXXX. Require proper validation\XXXX. Remove unverified accountsXXXX. Enforce FCRA  602,  607, and  611 complianceXXXXThank you,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 non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Possible Financial Inc
State: TX

Complaint narrative:
I am disputing a charge-off account reported by Possible Financial Inc. on my credit report. with a reported balance of {$280.00} and an original balance of {$300.00}.

I do not believe this account has been properly validated. Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ( b ) ), I have the right to request verification of any alleged debt.

I am requesting that Possible Financial Inc. provide the following : Documentation showing I am legally obligated to pay this debt.

A copy of the original signed contract or agreement.

A detailed payment history showing the original balance, fees, interest, and all payments applied.

Proof that Possible Financial Inc. has the legal right to report this account to credit reporting agencies. 
The account is currently negatively affecting my credit report, and I have reason to believe it was reported without proper verification. I request that CFPB assist in ensuring the account is either properly validated or removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: NC

Complaint narrative:
Equifax inc did not fix the problem with my credit report file XXXX banking account was reported as identity theft towards my credit profile I also talked to Equifax representative and they told me that they not going to dispute anything off my credit report they violated my constitution rights 15 USC 1681i EB if this matter do not resolved in my favorite I have to put in a lawsuit towards Equifax thank you for this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kikoff Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date : XX/XX/year> Kikoff Lending LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : Formal FCRA Direct Dispute Inaccurate Credit Reporting Account Number : XXXX  To Whom It May Concern : I am formally disputing the accuracy of the data Kikoff is furnishing to the consumer reporting agencies concerning my account. 

The reporting contains the following inaccuracies : Contradicting account statuses ( charge-off and past-due balance simultaneously ). 

Incorrect delinquency progression ( XXXX ) that does not match any contractual terms or actual activity. 

Reporting a {$65.00} written-off balance alongside {$30.00} past due, which is false. 

No documentation of the loan? debt?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Your Name : 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 ( Last XXXX ) : XXXX Phone : ( XXXX Email : XXXX Creditor : XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Missing monthly payment history, incomplete reporting Type of Dispute : Accuracy and completeness under the Fair Credit Reporting Act ( FCRA ) Date : am filing this complaint because Equifax is reporting inaccurate and incomplete information on my credit file regarding my XXXX  XXXX credit card account. This issue is not occurring with the other credit bureaus, only Equifax. 

My XXXX  XXXX account is reported accurately and fully to XXXX  and XXXX, including the full monthly payment history. However, Equifax is not reporting any payment history at all. The tradeline appears on my Equifax report, but the monthly data grid and payment history are completely missing. 

This incomplete reporting : Creates an inaccurate credit profile Hurts my credit score Violates the Fair Credit Reporting Act ( FCRA ) requirement for maximum possible accuracy Prevents lenders from seeing my full positive history I have already contacted Equifax and attempted to resolve the issue, but Equifax has failed to correct the inaccurate reporting or provide a reasonable explanation.

Company response to consumer: Closed with explanation