vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. This is a formal complaint against WELLS FARGO a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through th

e credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C.

1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. WELLS FARGO XXXXXXXX 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 2025-10-09 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 implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be 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 2025-10-09 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: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be 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 non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
The company Resurgent illegally went against FDCPA guidelines, the debt they are collecting on is called comentity bank and the account is closed, they illegally filed a lawsuit on a time-barred debt the account was closed XX/XX/XXXXXXXX  and my recent dispute on XX/XX/XXXX resulted in them retaliating and making the debt more. This is a violation, abuse of process, unfair or deceptive practice. I never claimed in writing of any acknowledgement of this debt. The statute of limitations is 6 years in Ohio, the card was opened in XXXX  and closed XXXX. I have all documents to show. This company sued me during a hardship. This is predatory behavior. They are also, violating FCRA. So instead of fixing the dispute the company charges more to dispute??

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: SC

Complaint narrative:
XX/XX/scrub> 2025 money was taken out of my account I didn't recognize this unauthorized transactions for {$310.00} transfer on zelle

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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 not associated with these accounts and they must be removed within 15 days per USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am submitting this formal statement to the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccurate reporting of the XXXX  XXXX XXXX, XXXX. account ( ending in XXXX ) on my Experian credit file. The furnisher of this account has already confirmed that the account lacks the required documentation and has agreed to remove it from my record. However, Experian continues to report the account, in violation of the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 1 ) ( A ), which mandates a reasonable reinvestigation within 30 days. Despite my clear dispute and supporting evidence, Experian has failed to correct or delete the unverifiable information as required. 

XXXX  XXXX XXXX, XXXX. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX XXXX XXXX assignment/authorization agreement. I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding DEPT OF EDUCATIONXXXX failure to properly verify and correct inaccurate information reported on my credit file. Despite my dispute, the creditor allegedly verified the account as accurate with XXXX XXXX XXXX XXXX yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. DEPT OF EDUCATIONXXXX has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. DEPT OF EDUCATION/XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
On XX/XX/XXXX, I paid off my mortgage in full with Freedom Mortgage. However, to this date, I have not received a refund of {$8000.00} that the company over-collected from me. 

The issue began in early XXXX, when I paid the school district tax myself and informed XXXX  Mortgage that I had done so. Despite this, XXXX  Mortgage made a duplicate payment around XXXX. When I called the local government tax office, they confirmed that my original payment had been accepted, and XXXX  Mortgages duplicate payment was refunded on XX/XX/year> Since then, I have contacted XXXX  Mortgage at least ten times. Each time, I was told the issue would be investigated and that I would receive a callback within 48 hours. Not once did anyone follow through. Every time I called back, the case was passed around different departments without resolution. 

It has now been nearly two months since I paid off my loan, and this issue is still unresolved. I respectfully request that XXXX  Mortgage return the {$8000.00} that rightfully belongs to me within 10 days. I am extremely disappointed with the lack of communication and accountability from the company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: MS

Complaint narrative:
My identity with my personal information have been stolen and all the hard inquiries on my report was not authorized by me and for them to clear all them up under law code 15 usc 1681b

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: PR

Complaint narrative:
On XX/XX/year> @ XXXX a counter cust care rep at XXXX XXXX a credit card form on their store counter computer at my request. The card was successfully approved by XXXX that same day. The store rep told me the credit card will arrive to my postal address I gave her on the form by 10 days from now. So, I never received the credit card and only received two txt messages. The XXXX text on XX/XX/year> was asking to reply with the last four digits of the credit card so it can be activated. The XXXX text msg was on XX/XX/year> telling me to call XXXX because the credit card was returned to them because a wrong address. Thet same day I called XXXX to fix the address but instead after gave them my social securrity information, they said my name is not the same they have on file and cant verify my identity and noting more can be done. I went to the Costco store on XX/XX/year> and asked for a copy of my credit card form but Costco can only show me the information from the computer screen and not a hard copy of the form. After I explain them ( Costco ) all the trouble, Costco call XXXX from their store counter and explain them but with the same results. So I dont have the {$7000.00} credit card or neither can cancel the credit card. Note : I only have the last 4 digits of the XXXX credit card provided from Costco.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
Date : XX/XX/XXXX To : ChexSystems , Inc. 
XXXX XXXX XXXX XXXX, MN XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone : XXXX Email : XXXX DOB : XX/XX/XXXX SSN ( last four ) : XXXX Subject : Formal Dispute of Inaccurate Account Information Dear ChexSystems Dispute Department, I am formally disputing the accuracy of the information your company is reporting under my name regarding the following account : Source of Information : XXXX XXXX XXXX XXXX. 
Reported For : Suspected Fraud Activity Date of Closure : XX/XX/XXXX Closure Status : Settled in Full This information is inaccurate, incomplete, and misleading and is therefore a violation of the Fair Credit Reporting Act ( FCRA ) 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] and 611 [ 15 U.S.C. 1681i ]. I have never engaged in any fraudulent banking activity with XXXX XXXX XXXX or any other financial institution. This appears to be the result of identity theft and inaccurate reporting. 
Please conduct a complete reinvestigation of this entry. If XXXX XXXX XXXX can not provide verifiable documentation bearing my signature or valid proof that I was involved in any fraudulent activity, this item must be deleted immediately from my ChexSystems report pursuant to FCRA 611 ( a ) ( 5 ) ( A ).

Additionally, under FCRA 605 ( a ), no obsolete or unverifiable information may be reported. Since the alleged account was closed in XXXX, please ensure this item is reviewed for compliance with retention and accuracy standards. 
I have included the following supporting documentation to assist in your reinvestigation : - Copy of my government-issued photo ID - Copy of my Social Security card - Copy of my recent utility bill showing my current address - Copy of my FTC Identity Theft Report Please provide me with written confirmation of your investigation results and any deletions or corrections made. If this item is verified, please provide the full documentation, contracts, and application details used to substantiate the alleged account. 
Thank you for your prompt attention to this matter. I expect a response within 30 days as required under FCRA 611 ( a ) ( 1 ) ( A ). 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Currently, I demand copies of my original documentation that proves responsibility of a posted collection against me personally. 
If the account is now owner by a third-party debt buyer, then I demand certification copies administered through the XXXXXXXX XXXX XXXXXXXX XXXX that the debt buyer is properly license as a registered debt buyer, and proof of proper surety bonding. 
If the account is valid, then I need a drop-dead date as to when the negative charge-off will be removed from my credit report altogether. 
If the debt buyer purchase can not be proved legally with a Bill of Sale attachment, then the account collection must be deleted from my credit report, and my information must be purged by the debt collection agency. 
A response letter with a contact source of who to call for any negotiation process would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: CT

Complaint narrative:
Its really upsetting to see that the inaccurate accounts remain on my credit reports even after all my efforts. I truly beg for the attached documents to be checked carefully so I can stop living in fear of seeing these issues over and over again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
In XXXX  i was de banked by paypal.com I was never given a direct reason. I called the company over a dozen times. when I gave my information the call was disconnected. I at the time was running a pod cast that was critical of the covid vax and the mandates. I can still log into the account but have been permanently banned by paypal.com. Paypal offers savings and checking accounds along with many other financial services. I and many other XXXX XXXX  have been censored by paypal for wrong speak and think. I have the screen shots plus the emails from paypal. This was a huge financial hit to my company and myself. My producer was also debanked at the same time for the same nebulas reasons. I can provide all documentation if needed and I am willing to testify before XXXX on my own dime. This is completely XXXX American and criminal. Paypal.com needs to be shut down asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
To : Consumer Financial Protection Bureau Subject : Formal Complaint Against XXXX, XXXX, XXXX, and Citibank for Failure to Correct Inaccurate Reporting To Whom It May Concern, I am filing a formal complaint regarding the inaccurate reporting of a 30-day late payment for XX/XX/year> on my Citibank account XXXX Account # : XXXX XXXX XXXX XXXX XXXXXXXX ). I was never late, yet despite disputes with all three credit bureaus, XXXX  continues to report the error, and XXXX  has given conflicting responses. 
Supporting documentation from XXXX  and XXXX  shows the account as current ( pays as agreed ). Citibank has failed to provide any evidence supporting their claim. The bureaus have also failed to provide method-of-verification details as required under FCRA Section 611 ( a ) ( 7 ).

This reporting error is causing significant harm to my creditworthiness. I am requesting : Immediate removal of the inaccurate late payment.

An investigation into the dispute-handling practices of the bureaus and Citibank.

Assurance of compliance with FCRA Sections 611 and 616. 
Thank you for your time and consideration. 
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 monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
b'Subject: Dispute of Incorrect Personal Information on Credit Report\nDear Equifax,\nI hope this letter finds you well. I am writing to dispute certain items on my credit report that I believe to be\ninaccurate and unauthorized. After reviewing my credit report, I have identified the erroneous items that\nwere not authorized by me. I kindly request your assistance in investigating and rectifying these\ndiscrepancies.\nBelow are the items which I am disputing:\n1. Please remove these incorrect address(es) from my credit report immediately. My correct\ncurrent address is XXXX XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA  XXXX XXXX XXXX XXXX XXXX XXXX CA  XXXX XXXXI request that you conduct a thorough investigation into these matters and provide me with the results at\nyour earliest convenience. If you find that these items are indeed inaccurate or unauthorized, I\nkindly request the removal of these items from my credit report.\nI understand that you have 30 days to investigate and respond to my dispute, as stipulated by the\nFair Credit Reporting Act (FCRA). Your prompt attention to this matter is appreciated.\nPlease send me written confirmation once the investigation is complete and the inaccurate information\nhas been removed from my credit report.\nThank you for your prompt attention to this matter. I look forward to a swift resolution.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding Chime handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Chime numerous times and reporting discrepancies, my financial institution and Chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPB findings indicate that CHIME has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit card — Store credit 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I am writing to filed a formal consumer complaint against Nordstrom and TD bank ( issue my Nordstrom Card ending XXXX ) Regarding a charged of XXXX $ for merchandise I never received. 

On XXXX XXXX, Nordstrom shipped my order via XXXX The carrier marked the packages as delivered with Photo showing it left unattended at my front door step. 
However, I never received the merchandise, and it was subsequently lost or stolen. 
I did filed Police report on XX/XX/XXXX XXXX at XXXX my case report is XXXX at XXXX XXXX  XXXX. 

Despite providing Nordstrom and TD bank with this, including the delivery photo and my claim with XXXX, both entities have refused to remove or refund the charge. Nordstrom insists I claim my homeowners insurance, and TD Bank denied my dispute citing the delivery photo as proof of delivery. 

Please note that under the Fair Credit billing act, I am entitled to dispute charges for good I not received, and I request that any collection or adverse credit reporting on this balance be suspended until dispute is resolved. 

Noted, I have been emailed to disputesuppote @ nordstom ( many time ) to follow up and willing to get this issue resolved with my RIGHT and FAIRNESS. 

But, ( Nordstrom merchant, Nordstrom Credit card, XXXX  ) got all denial and refused to help with my request, All matter from them I only got a word There is nothing I can do with it. 

To Nordstrom Merchant And Nordstrom Credit card, XXXX XXXX I understand your position, However, I must respectfully disagree with your conclusion. The merchandise in question was never received and the delivery photo clearly shown its was left unattended- which dose not constitute valid proof of delivery under the Fair Credit Billing Act. 
As a paying customer, I fulfilled my obligation by purchasing and paying for the item. The responsibility for ensuring safe and verified delivery rests with merchant and its chosen carrier, Not the consumer.

I am continuing to pursue this matter through the appropriate regulatory channels and expect a fair resolution in accordance with federal consumer protection laws.

I am making payments on the undisputed balance only as allowed under federal law, while this dispute remains unresolved.

Thank you for understanding and looking forward to get this issue resolved in Fairness. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation