vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I keep reaching out to XXXX XXXX but they not giving me any information. They put fraud alerts on my name & accounts thats stopping other banks from letting me open an account.

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 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST PORTFOLIO SERVICING INC
State: CA

Complaint narrative:
First Access has ignored every attempt I made to communicate with them. Their website has been faulty for months and I can not access my account at all to view charges, payments, or fees. I asked multiple times for help with their broken website and I informed them of my financial hardship. They completely ghosted me and never responded to my questions or hardship request. 

Instead of addressing anything I asked, they suddenly sent a physical letter to my home telling me to call them. Excuse me? I have clearly stated that I require written communication ONLY and that any mail should be sent to my XXXX XXXX not my residence. I also requested email-only contact since I can not access their online system. 

In addition, First Access has charged me late fees and even doubled fees during this period, while refusing to give me any access to my own account information because their website does not work. I can not verify balances, payments, or charges because they have not fixed their system or responded to my messages. 

This behavior is coercive, unfair, and retaliatory. They ignored my hardship, ignored my written-only communication request, refused to fix their faulty website, charged fees I can not even review, and then mailed my home demanding a phone call. This is unacceptable and needs immediate investigation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: BANK OF NEW YORK MELLON CORPORATION, THE
State: NY

Complaint narrative:
I have a XXXX debit card which XXXX XXXX manages. There were a total of XXXX charges posted to my account : XXXX ) XX/XX/XXXX ( {$1400.00} ) ; XXXX ) XX/XX/XXXX ( {$1400.00} ) ; XXXX ) XX/XX/XXXX ( {$1400.00} ) ; XXXX ) XX/XX/XXXX ( {$210.00} ) ; XXXX ) ( {$210.00} ) ; XXXX ) ( {$210.00} ) that I did not make. I called countless times most lately on XX/XX/XXXX speaking to numerous employees and even a supervisor to XXXX XXXX and was told a complaint was filed and that the team who handles it is back office, and can not be contacted. I never received correspondence from the team responsible for investigating and they by default said my claim is invalid. I did not make these purchases and want my money back. I need this money to pay rent and for living expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I am submitting this complaint to report Experians continued failure to properly reinvestigate and correct inaccurate late payment information appearing on my credit file, despite multiple disputes dated XX/XX/year>, and XX/XX/year>. The account in questionXXXX XXXX XXXX continue to reflect erroneous late payment entries that have not been substantiated by any verifiable documentation. Experian has not provided the name, contact information, or method of verification for the individuals or entities who allegedly confirmed the disputed data, as required by FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). Under the Fair Credit Reporting Act, Experian is legally obligated to perform a reasonable reinvestigation and to delete or correct unverifiable or inaccurate information under 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ). Despite this, Experian has failed to comply and continues to report these false delinquencies, which have negatively affected my credit standing.

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 2025-11-18 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 submitting this complaint to inaccurate late payment information on my credit reports and requesting that it be corrected to reflect my true payment history under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reported on Experian as having a {$1200.00} balance with late payments listed as 30 days late in XXXX XXXX, 60 days late in XXXX XXXX 90 days late in XXXX XXXX 120 days late in XXXX XXXX  150 days late in XX/XX/XXXX, and 30 days late in XX/XX/XXXX, which is inaccurate. Another Experian account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a {$9100.00} balance * *, is incorrectly reported with 30 days late in XXXX XXXX 60 days late in XXXX XXXX 30 days late in XX/XX/XXXX, and 30 days late in XX/XX/XXXX. 
On Equifax, the accounXXXX XXXX XXXX XXXX XXXX XXXX is reported with 30 days late in XXXX XXXX  60 days late in XXXX XXXX, 90 days late in XXXX XXXX, 120 days late in XX/XX/XXXX, and 30 days late in XX/XX/XXXX * *, and the account XXXX * is reported with 30 days late from XXXX to XX/XX/XXXX and 30 days late in XX/XX/XXXX, which does not reflect my actual payment history. Similarly, on TransUnion, XXXXXXXX XXXX XXXX XXXX XXXX is reported as 30 days late in XXXX XXXX 60 days late in XXXX XXXX, 90 days late in XXXX XXXX 120 days late in XX/XX/XXXX, and 120 days late in XX/XX/XXXX * *, and XXXXXXXX XXXX  is reported with 30 days late in XXXX XXXX  30 days late in XXXX XXXX, 60 days late in XXXX XXXX  30 days late in XX/XX/XXXX, and 30 days late in XX/XX/XXXX, which is also inaccurate. 
These late payments are inaccurate, inconsistent, and unverifiable, in violation of FCRA 1681i ( a ), which requires you to investigate disputed information and correct or delete any information that can not be verified.

Additionally, FCRA 1681e ( b ) requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy.

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 2025-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I am disputing the repossession reported by Westlake Financial SVC because the information being reported is incomplete, inaccurate, and does not reflect the full or correct details of the account. This repossession occurred years ago, and XX/XX/XXXX has not been provided with verified documentation proving the accuracy of the account status, dates, balance, or the procedures followed during the repossession process. Without complete and verifiable records, this account can not be legally reported under the Fair Credit Reporting Act. The continued reporting of this unverified repossession is causing significant and unfair harm to my creditworthiness and does not accurately represent my current financial standing. I am requesting that this item be fully investigated and removed from my credit report if it can not be verified with proper documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: VA

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( XXXX ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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 2025-11-18 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: VA

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( XXXX ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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 2025-11-18 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXEquifax Information Services, LLCXXXX XXXX XXXX XXXX XXXXSubject: Dispute of Inaccurate Information on My Credit ReportXXXXDear EquifaxXXXXI am writing to dispute the following inaccurate information on my credit report, which I found during a recent review of my report from Equifax. This dispute is being submitted pursuant to my rights under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681, which mandates the reporting of accurate information by credit reporting agencies and furnishers of credit data.XXXXDisputed Account Details: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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis account is inaccurately reported. I am attaching supporting documentation to prove that the information is incorrect, including:XXXXCopy of IDXXXXSSNXXXXProof of AddressXXXXAccording to the FCRA, you are required to investigate my dispute within 30 days of receiving this letter. I also remind you that under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.  1692, debt collectors and creditors must report accurate information and correct or delete incorrect data promptly.\n\nRequest for ActionXXXX. Remove or Correct the Inaccurate Account: Please delete or correct this inaccurate information from my credit report across all relevant credit bureaus.XXXX. Provide a Written Response: I expect a written acknowledgment of your receipt of this dispute within XXXX XXXX business days, and a final resolution within the legally mandated timeframeXXXX Notify the Bureaus: If you determine that the account was reported incorrectly, please inform all three credit bureaus so they can update my report accordingly.XXXXFailure to comply with these federal laws may result in a complaint to the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and the State Attorney Generals OfficeXXXXLegal Notice:XXXXPlease be advised that this letter serves as formal notice that I reserve my rights under all applicable federal and state consumer protection laws. If further inaccuracies or noncompliance are identified, I may pursue additional actions.XXXXThank you for your prompt attention to this matter. Please send any responses or updates to XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
Early warning has incorrect information pertaining to accounts that were previously opened as well as inquiries I have XXXX  in several data breaches within the last 5 years

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: CA

Complaint narrative:
I am submitting this complaint regarding multiple significant inaccuracies on my credit reports maintained by Experian, Equifax, and TransUnion that are harming my creditworthiness, misrepresenting my identity, and violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Across all three bureaus, my personal identifying information is reported incorrectly, including inaccurate names such as XXXX XXXX, and addresses including 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX, none of which are correct or fully associated with me. Numerous charge-off accounts appear inaccurately, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX ; and XXXX XXXX XXXX XXXX XXXX and XXXX, with balances misreported or unverified. Additional collections are also listed incorrectly or duplicated, such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX  XXXX with conflicting balances of {$7200.00} and {$2800.00}, as well as XXXX XXXX XXXX. Furthermore, unauthorized and inaccurate inquiries appear on my reports, including 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 XXXX XXXXXX/XX/XXXX and XX/XX/XXXX, XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX, which I did not authorize or are incorrectly tied to my file. These inaccuracies, combined with misreported dates of delinquency and unverified balances, have caused material harm, including denial of credit, potential employment issues, and misrepresentation of my financial responsibility. I have previously submitted disputes to each bureau, requesting corrections and reinvestigations, including validation of all debts and removal of unverifiable information, yet the errors remain.

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 2025-11-18 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: CA

Complaint narrative:
I am submitting this complaint regarding multiple significant inaccuracies on my credit reports maintained by Experian, Equifax, and TransUnion that are harming my creditworthiness, misrepresenting my identity, and violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Across all three bureaus, my personal identifying information is reported incorrectly, including inaccurate names such as XXXX XXXX, and addresses including 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX, none of which are correct or fully associated with me. Numerous charge-off accounts appear inaccurately, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX ; and XXXX XXXX XXXX XXXX XXXX and XXXX, with balances misreported or unverified. Additional collections are also listed incorrectly or duplicated, such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX  XXXX with conflicting balances of {$7200.00} and {$2800.00}, as well as XXXX XXXX XXXX. Furthermore, unauthorized and inaccurate inquiries appear on my reports, including 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 XXXX XXXXXX/XX/XXXX and XX/XX/XXXX, XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX, which I did not authorize or are incorrectly tied to my file. These inaccuracies, combined with misreported dates of delinquency and unverified balances, have caused material harm, including denial of credit, potential employment issues, and misrepresentation of my financial responsibility. I have previously submitted disputes to each bureau, requesting corrections and reinvestigations, including validation of all debts and removal of unverifiable information, yet the errors remain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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:
I am submitting this complaint regarding multiple inaccuracies on my credit reports maintained by Experian, Equifax, and TransUnion, which are harming my creditworthiness and misrepresenting my personal identifying information ; my Experian report incorrectly lists XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XX/XX/year> ), my Equifax report incorrectly lists XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, and my TransUnion report incorrectly lists XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, none of which are associated with me ; these inaccurate addresses create a high risk of misattributed INFORMATION being reported under my name, leading to potential denials of credit, damage to my financial reputation, and other material harms ; I have previously submitted disputes to each bureau requesting corrections, yet these errors remain unresolved, which constitutes a failure to comply with my rights under the Fair Credit Reporting Act ( FCRA 605 ( a ), 608 ( c ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ) ) and the Fair Debt Collection Practices Act ( FDCPA 807, 809 ), which require accurate reporting, proper verification, and removal of unverifiable or misleading information.

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 2025-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: IA

Complaint narrative:
Collector : Resurgent Capital Services/ LVNV Funding LLC Summary : A debt collector sent two collection letters addressed to XXXX XXXX XXXX XXXX, a law firm where I do not work or live. The letters included my name, account information, balance, and identified the sender as Resurgent Capital Services, a debt collector.

This is an unauthorized third-party disclosure and a violation of the FDCPA under 1692c ( b ) and 1692b. The collector repeatedly contacted a workplace that has no connection to me and exposed private debt information to employees of that business.

I am requesting the CFPB to investigate, require correction, and ensure that Resurgent ceases all improper third-party contact

Company response to consumer: Closed with explanation