vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-02 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Date of Birth : XX/XX/XXXX SSN ( XXXX ) Date : XXXX XXXX To : Experian XXXX XXXXXXXX XXXX, XXXX, TX XXXX Equifax XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX, PA XXXX Subject : Request for Reinvestigation and Deletion of Inaccurate Late Payments FCRA 607 ( b ) & 611 Dear [ Credit Bureau Name ], I am writing to dispute several late payment entries listed on my credit report, which I believe are inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ). Under FCRA 607 ( b ), credit bureaus are required to report information with maximum possible accuracy. 

Upon reviewing my XXXX credit report ( Reference # XXXX, Report Date : XX/XX/XXXX ), I identified the following accounts showing late or missed payment notations that are incorrect or unverifiable : 1. XXXX XXXX XXXX  Account XXXX XXXX Reported 30/60/90-day late payments during [ insert months/year shown on report ]. 
Reason for dispute : These late payments are inaccurate ; my records show on-time payments, and I have documentation to verify this. Please conduct a reinvestigation and delete or correct these entries if they can not be verified. 
2. XXXX XXXX  Account # XXXX Reported 60/90/120-day late payments and/or charged-off status. 
Reason for dispute : The reported delinquencies are inconsistent with my payment records. The account appears to have been re-aged or incorrectly updated after closure. Please verify the dates and amounts reported. 
3. XXXX XXXX XXXX Account # XXXX Listed as a collection following late payment from an original creditor. 
Reason for dispute : I never received validation of this debt, and the alleged late payment from the original creditor is unverified. Please confirm the accuracy of the payment history or delete this entry entirely. 
I request that your office perform a reasonable reinvestigation under FCRA 611, contact each furnisher of the disputed information, and delete or correct all unverifiable or inaccurate data.

Enclosed are copies of my drivers license, proof of address, and supporting documents showing my payment history. Please provide written confirmation of the results of your reinvestigation and a corrected copy of my credit report once completed.

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kingston Data & Credit International Inc.
State: FL

Complaint narrative:
I am writing to dispute and request the blocking and deletion of the following accounts that appear on my credit report : Account : # XXXX XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2, I am exercising my right to have all information relating to these accounts blocked and deleted from my credit file, as they were reported in error and/or are the result of fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am writing to file a formal complaint regarding a serious fraud incident that resulted in the loss of all funds in my Wells Fargo accounts. Although I promptly contacted Wells Fargo after realizing I had been scammed, my reimbursement request was denied on the grounds that the transactions were authorized. 
However, I was the victim of a sophisticated, ongoing scam in which the perpetrators impersonated Wells Fargo representatives over several days. These individuals had detailed knowledge of my actual banking transactions and used that information to convince me that my accounts were under attack. They repeatedly called me, claiming to be XXXX XXXX fraud department, and provided updates to appear legitimate. 
During XXXX of these calls, I was asked to verify personal information including my Social Security number and to move funds between my accounts in order to secure them. Because the callers matched XXXX XXXX standard verification process and knew my transaction history, I genuinely believed they were real employees. 
It was only after the scammers stopped contacting me that I realized I had been deceived. I reported the fraud to Wells Fargo immediately at that point. Despite my cooperation and the clear evidence that I was manipulated through impersonation, I was informed that I would not be reimbursed. 
I believe Wells Fargo has a duty to verify account transactions due to the sophistication and persistence of such impersonation scams especially when they closely mirror the banks own security protocols and communication style. 
This letter constitutes a formal dispute under the XXXX XXXX Transfer Act ( Regulation XXXX ). I am also submitting this complaint to the Consumer Financial Protection Bureau

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 2025-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
I got a credit card from XXXX XXXX called XXXX if the XXXX month we will have them problems I set up automatic payments to it my cash app through reading everything that they have it said nothing about using cash app bank account as a paying option so of course I got a late payment fee and a bounce whatever fee from this bank account {$90.00} and fees for something that they didn't put in writing that I can't use my cash card so I put it on Bank XXXX XXXX and sent them a detailed statement from Bank XXXX XXXX telling them that me XXXX XXXX has made XXXX worth of payments and they have not been deducted from his account unless you charge 90 % interest there's no way Mr XXXX can still owe {$770.00} when he's paid {$500.00} in payments that you cast and received and gave them a thank you email I need a middleman of someone to help me talk to these people to make them understand what's going on I mean it's bad enough and I don't know who I'm talking to her right now. I need someone to help me figure this out with them because they don't hear me they hardly can speak XXXX no matter hear what I'm saying and that's no slight towards them if they don't understand what I'm telling them they told me to email them everything my bank did and they'll get back to me well I emailed them everything my bank gave me and I haven't heard anything back from them in XXXX weeks now XXXX financing is the company the credit card is v XXXX XXXX v 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 2025-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: CMG Financial Services, Inc.
State: FL

Complaint narrative:
CMG Financial ( XXXX XXXX XXXX, XXXX XXXX Ph. XXXX ) provided me with a 1st and 2nd Mortgage on a property located at XXXX XXXX XXXX XXXX in XXXX, XXXX XXXXXXXX. 

On XX/XX/year>, both 1st & 2nd loans were paid in full at the sale ( Closing ) of this property. 

A few weeks later, CMG Financial " sold '' the 2nd mortgage portion of this paid-in-full debt to an unknown 3rd Party firm who uses the name " CMG Financial '' and states that the 2nd mortgage was not paid.

This 3rd part firm - pretending to BE a part of CMG Financial - using their Letterhead - writes to me regularly and state that I am in delinquency. 

I called provided numbers ( XXXX ) for this 3rd party firm and spoke at length to a man in XXXX  who would only identify himself as " XXXX '' on XX/XX/year> at XXXX EST and provided him with .pdf bank evidence of the payoff of the 2nd mortgage on XX/XX/year>. Additionally, when the letters continued, I called the number again and this time got a man on the line named " XXXX XXXX '' who was AGAIN provided with the explanation of events. 

On XX/XX/year>, I contacted the originator of the loans, XXXX XXXX at CMG Financial and strongly advised him as a Senior Loan Officer for CMG Financial, to intervene before this got any worse. To this day, the letters continue stating that we owe " CMG Financial '' over {$28000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NJ

Complaint narrative:
On XX/XX/year>, I found a {$100.00} dispute with XXXX through Cash app. The representative have failed to tell me that they were going to deactivate my card. Therefore, I was not able to use my virtual card to pay my bills that I need to pay online. So because of that, I closed that account unbeknownst to me that I was breaking their policy because I needed a virtual card to pay my bills online. When I tried to verify my new account, they told me that was unable to do so, because I had violated their terms and conditions. I called Cash App support and they basically told me that there is nothing I can do to get my money because I have to file an appeal and I have to wait for them to approve the appeal. But when I asked what if the appeal doesnt go through the support representative, put me on hold and then came back and told me that I will have to file something called an XXXX XXXX something like that and I wont get my money back until almost a year. I need your help getting my money back as soon as possible because I can not wait up to a year that is just ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion Mailing Address : TransUnion XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Experian Mailing Address : Experian XXXX XXXX XXXX XXXX XXXX XXXX Equifax Mailing Address : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, XXXX XXXXXXXX Re : Formal Dispute of Inaccurate Credit Reporting under 15 U.S.C. 1681 To Whom It May Concern, I am writing to formally dispute the reporting of an account on my credit file. The account in question is listed as : Creditor Name : XXXX Card Partial Account Number : XXXX I am disputing this alleged account under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, on the grounds that I never provided written consent for XXXX XXXX ( or any of its affiliates or agents ) to furnish, acquire, or use any of my personal or consumer credit information. Specifically, pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), a consumer reporting agency may only furnish a consumer report under explicit authorization from the consumer which I never granted. 

I hereby request that you conduct a reasonable investigation into this matter, as required by 15 U.S.C. 1681i, and DELETE this account from my credit report if you are unable to verify that XXXX XXXX had my explicit written consent to obtain or furnish any information regarding my personal or credit profile. 

In accordance with FCRA requirements, please provide me : 1. The method of verification used to verify this account and consent.

2. The name, address, and contact information of the individual or entity that allegedly furnished this information. 


3. Copies of any documentation containing my original written consent.

Under federal law, you must complete this investigation within 30 days of receipt of this letter, and provide me with written results of your findings. 

Enclosed are copies of supporting identification documents ( e.g. drivers license, utility bill ) to validate my identity and current address. 

If you are unable to verify the legitimacy of this account or obtain proof of my written authorization, you are required to DELETE this information from my consumer report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX LAST FOUR SS # XXXX XX/XX/XXXXXXXX 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 2025-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: NE

Complaint narrative:
I reported an unauthorized XXXX  Debit Card transaction on XX/XX/year>, in the amount of {$150.00} USD. The transaction details are : Dispute Case ID : XXXX Transaction ID : XXXX Amount : {$150.00} USD XXXX  has failed to comply with the requirements under 12 C.F.R. 1005.11 ( c ) ( 2 ) ( i ) of Regulation E, which mandates that if an investigation can not be completed within 10 business days, the financial institution must provisionally credit the consumers account for the amount of the alleged error. 

No provisional credit was issued, and I have not received a written explanation or final resolution of the dispute. This constitutes a violation of the Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Kovo
State: TX

Complaint narrative:
I am writing to formally dispute several items on my XXXX credit report dated XX/XX/year>. After reviewing my report carefully, I believe the accounts listed below contain inaccurate or unverifiable information. I am requesting that each of these items be investigated and either corrected or deleted in compliance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
b'PER Fair credit reporting the company never provide 1099c,  15 US code 1692c,  15 US Code  1601,15 Us Code  1666b  thus ask for immediate  removal of account per bureau.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint because my TransUnion credit report is showing two charge-off accounts that are inaccurate and damaging to my credit history. The first account is XXXX XXXX ( account ending in XXXX ), which TransUnion lists as charged off on XX/XX/year> with a balance of {$0.00}. The second is XXXX ( account ending in XXXX ), which is being reported as charged off on XX/XX/year> with a balance of {$550.00}. 

Neither of these listings reflects my true payment history or current financial obligations. The XXXX XXXX account, which shows a {$0.00} balance, should not still be labeled as a charge-off if the balance has been settled. Likewise, the XXXX account is being reported as a charged-off debt without verified proof from the original creditor to substantiate that status. I first noticed these inaccuracies when reviewing my report in preparation for a major financial decision, and since then, they have caused significant difficulty obtaining credit and personal distress over the false impression they create. 

When I filed my disputes through TransUnions system, I expected an actual reinvestigation as required by the Fair Credit Reporting Act ( FCRA ). Instead, the responses I received were generic and failed to address the specific errors I pointed out. There was no evidence that TransUnion reached out to the original creditors or reviewed original account records. It appears they relied entirely on electronic data from furnishers, which does not satisfy the FCRAs requirement for a reasonable investigation. 

Under 15 U.S. Code 1681 and Section 623 ( a ) of the FCRA, TransUnion and the furnishers of these accounts are legally obligated to report only accurate and verifiable information. In addition, 15 U.S. Code 1692j of the Fair Debt Collection Practices Act prohibits any creditor from disguising or misrepresenting the origin or ownership of a debt. By continuing to report these two charge-off accounts without proper verification, TransUnion is violating those standards and effectively damaging my credit reputation through negligence. 

I want to be clear that this is not a case of identity theft or fraud. This is a case of inaccurate, outdated, and unverified data being reported as fact. These errors have caused harm to my credit standing, leading to higher interest rates and declined applications. Beyond financial harm, this situation has also created real emotional distress, as I feel powerless watching false information shape my creditworthiness despite having fulfilled my obligations.

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 2025-11-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synergetic Communication Inc
State: CA

Complaint narrative:
This debt was NOT owed from tenant upon leaving that residence. 
The tenant has a longstanding lease with an apartment complex she has been living in for several years. The date of collections is incorrect, the landlord was paid al dues upon leaving. Nor was tenant provided an invoice for owed money. Tenant was never notified in writing about debt owed. This debt showed up 3 years after tenant stated in that residence and no additional verification for funds owed had been provided.

This was removed off my report PER CFPB and this debt was illegally sold to another agency and placed back on my report. Upon a dispute with Equifax they too did not hold the debt collector accountable. This is my 4th time disputing this with equifax and then allowing it to be placed on after CFPB had removed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Several ( to XXXX ) of my bill pay payments from my Wells Fargo XXXX account do not ever arrive. The money comes out of my account immediately, but Wells Fargo will not refund the monies immediately, once I go through all of their hoops to issue a STOP PAYMENT. To date, there have been over XXXX payments to different vendors that have gone missing. Additionally, they charge {$40.00} for a wire transfer ( since the bill pay is not being delivered ) that is supposed to be refunded. A banker named XXXX XXXX was supposed to refund me the wire transfer fee but he never did. The company-Wells Fargo-does XXXX XXXX fix the issue despite talking with managers and filing formal complaints with them.

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 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
on XX/XX/year>, I filed a dispute with Equifax. they sent me the results of the dispute.On XX/XX/year> at approx. XXXX XXXX  I contacted Equifax and requested a method of verification letter about the investigation of the dispute, as is my right under the FCRA 15 U.S.C. 1681i ( a ) ( 6 ) and ( a ) ( 7 ). They denied my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ut XXXX XXXX XX/XX/year> Midland Credit Management ] XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX Re : Cease and Desist Pursuant to 15 U.S.C. 1692c ( c ) Account Number : XXXX To Whom It May Concern : This letter serves as my formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), demanding that you cease all communication with me regarding the alleged debt referenced above.

Under federal law, once this written notice is received, you may not contact me again except to : 1. Advise me that your collection efforts are being terminated.

2. Notify me that you may invoke specified remedies which are ordinarily invoked by your agency ; or 3. Notify me that you intend to invoke a specified remedy.

I hereby request that you immediately stop all telephone calls, letters, emails, or any other form of contact with me, my family, or my place of employment concerning this matter.

Please note that any further attempts to contact me beyond those permitted by law will constitute a violation of the FDCPA and may result in a complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the [ Your State ] Attorney Generals Office.

I expect written confirmation that you have received and will comply with this cease-and-desist request. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Email : XXXX Date of Birth : XX/XX/XXXX Date : XX/XX/XXXX Subject : Dispute of Unauthorized Hard Inquiry XXXX XXXX  ( XX/XX/XXXX ) I am writing to formally dispute a hard inquiry that appears on my credit report from XXXX XXXX , dated XX/XX/XXXX. I do not recall authorizing this credit inquiry, nor did I apply for any credit account with this company on or around that date. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate and verify this inquiry. If XXXX XXXX can not provide documented proof that I gave written authorization for this credit inquiry, I ask that it be immediately removed from my credit report. 

Please notify me in writing once the investigation is complete and the results have been updated on my report. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX of Birth : XX/XX/XXXX Email : 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