vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Laws that pertain to unlawful practices when it comes to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
In order to use XXXX 's XXXX gift cards online, one will need to register each card at mcgift.giftcardmall.com. 

For the past XXXX years, an error message will appear when one try to do so : 'We are unable to process your request at this time. If you continue to receive this error, please contact Cardholder services by calling the number on the back of your card. ' This effectively locks out consumers from using what they rightfully paid for. It is not just a random occurrence, but a frequent issue. Many on forums have complained and the problem still persist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: UT

Complaint narrative:
I have disputed this debt for a few years. Spring Oaks Capital has been requested to cease and desist all collection. Further they have failed to provide the following : 1 ) Written acknowledgment that all collection efforts are being terminated 2 ) Written statement of collection removal from consumer credit bureau reporting.

3 ) Written validation of this debt by sending proof showing : a ) The purchase agreement of the debt b ) The insurance claim of the debt c ) Verification the debt is within statute of limitations d ) Original written agreement with my signature contract for the debt e ) A copy of the last billing statement from the original creditor f ) Legal proof that XXXX has authorization to collect for the original creditor 4 ) The forward flow agreement and chain of assignment of this debt pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ),

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ ] Account Number : [ ]

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 2025-10-06 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: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
A short sale with Wells Fargo was approved to close on or before XX/XX/XXXX. The file closed XX/XX/XXXX. The first mortgage XXXX approved their own short sale, accepted the final HUD and the funds and closed their file. Wells Fargo is the XXXX mortgage and they asked for HUD changes which were made and sent right away. After that the representative was out of the office for XXXX weeks and we heard nothing until Wells Fargo finally replied and they wanted more changes. After these changes were sent Wells Fargo than denied the short sale saying they won't work with XXXX of the parties in the transaction. The money was wired to Wells Fargo and they returned it. Wells Fargo was only authorized to get {$8500.00} per the first lien holder XXXX. Wells Fargo wanted {$23000.00} which the buyer agreed to pay the difference. Wells Fargo need to close this file and accept their funds with no further delay. Wells Fargo has been dishonest from the start of this when they asked for notaries on all documents and than claimed this wasn't true. We have emails, letters and other evidence to support all our claims. Some documents are attached.

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 2025-10-06 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: MA

Complaint narrative:
I am writing to follow up on my previous letter dated XXXX, in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments on my credit card, Account Number XXXX. To date, I have not received confirmation of the correction nor observed any changes in my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ). Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2. Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ),

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 2025-10-06 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: IA

Complaint narrative:
I checked my latest report and there are items on there reporting fraudulent. These items do not belong to me and should be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: PA

Complaint narrative:
I recently checked my credit report and noticed multiple inaccurate accounts reporting that do not belong to me reporting fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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:
I recently checked my credit report and noticed multiple inaccurate accounts reporting that do not belong to me reporting 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 2025-10-06 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/year> XXXX  Date : XX/XX/year> XXXX XXXX Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-10-06 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: IL

Complaint narrative:
i am writing to formally express my concerns regarding zelles handling of disputes particularly in light of the recet CFPB lawsuit highlighting significant issues with the platform despite using zelle numerous times and reporting discrepancies my financial institution and zelle failed to investigate my claims they informed me recovering lost funds was impossible. the CFPB findings has not only neglected to protect consumers but also allowed repeat offenders to exploit the system. leaving users vulnerable to scams lack of accountability is unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CCF Intermediate Holdings LLC
State: FL

Complaint narrative:
My vehicle, associated with loan account, was repossessed by Instaloan on XX/XX/year>. I did not receive the required prior notice before the repossession, as mandated under Florida law. The repossession occurred without any warning, and I believe it was done improperly and illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs finding indicates that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to a 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 2025-10-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
In XX/XX/year>, I reached an agreement with XXXX XXXX for XXXX XXXX that I could terminate my lease early due to unsafe and poor living conditions in the unit. Management confirmed in writing that I would not be responsible for any further rent or fees if I moved out. 

Despite this agreement, XXXX XXXX later sent the account to National Credit Systems for collection. I requested written validation of the debt, including an itemized ledger showing the balance and proof that I owe this amount, but neither XXXX XXXX nor National Credit Systems has provided this information.

National Credit Systems is now reporting this invalid debt to credit bureaus, negatively impacting my credit. I believe this was done in retaliation for posting an honest review of the property, which violates Texas Property Code 92.331 and federal debt collection laws. I am requesting that the CFPB require both companies to remove this debt from my credit reports, cease collection activity, and provide written confirmation of the removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: AR

Complaint narrative:
To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency.

I have never been notified of this collection action or that I owed a debt.

This letter is to inform you that I have the right to request validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together.

Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debit.

Agreement that bears signature of the alleged debtor with promises to pay original creditor.

Complete payment history on this account, to prove that the amount you wish to collect is correct. 
I hope that your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 
Sincerely XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: CA

Complaint narrative:
This letter serves as a formal complaint and demand for immediate compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the California Consumer Credit Reporting Agencies Act ( CCRAA ), Cal. Civ. Code 1785 et seq., regarding multiple fraudulent and inaccurate accounts that continue to appear on my TransUnion credit file.

On XXXX XXXX XXXX I submitted a dispute through the CFPB complaint portal, including all relevant documentation and my FTC Identity Theft Report ( # XXXX ). Despite this, TransUnion has failed to respond or provide reinvestigation results as required under federal and state law.

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 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because there are one or more accounts reporting on my credit file that I did not authorize or open. These accounts are the result of identity theft or inaccurate reporting. I have already contacted the company and the credit bureaus requesting verification and documentation proving that I opened or agreed to these accounts. The company failed to provide any signed contract, application, or supporting documentation to validate the debt but continues to report it.

I am requesting that the Consumer Financial Protection Bureau investigate this matter under the Fair Credit Reporting Act ( FCRA ), including Sections 605B, 609, 611, and 1681i. I am asking that all inaccurate or fraudulent information be permanently deleted and that the company cease further reporting of this account. 

This issue has caused damage to my credit, financial hardship, and emotional distress. I have provided all necessary supporting documents, including my FTC Identity Theft Report and affidavit, to prove my claim.

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 2025-10-06 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 am filing this complaint because there are one or more accounts reporting on my credit file that I did not authorize or open. These accounts are the result of identity theft or inaccurate reporting. I have already contacted the company and the credit bureaus requesting verification and documentation proving that I opened or agreed to these accounts. The company failed to provide any signed contract, application, or supporting documentation to validate the debt but continues to report it.

I am requesting that the Consumer Financial Protection Bureau investigate this matter under the Fair Credit Reporting Act ( FCRA ), including Sections 605B, 609, 611, and 1681i. I am asking that all inaccurate or fraudulent information be permanently deleted and that the company cease further reporting of this account.

This issue has caused damage to my credit, financial hardship, and emotional distress. I have provided all necessary supporting documents, including my FTC Identity Theft Report and affidavit, to prove my claim.

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 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
My XXXX XXXX  constantly is taking money from me putting me in the negative I did a refund because whoever had my card bought a lot of things and a week later they took my XXXX XXXX for no reason and my there doing the same thing to my XXXX  account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Ive been disputing a {$7200.00} unauthorized charge with Bank of America under Claim XXXX for over 6 weeks. Ive been placed on hold for 3045 minutes multiple times, repeatedly disconnected, and told conflicting information. The bank confirmed an expedited review that never happened, and now they claim its pending until XX/XX/XXXX. This has caused serious financial hardship, and Im being denied fair communication or resolution.

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 2025-10-06 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: NC

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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