vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: DISCOVER BANK
State: MN

Complaint narrative:
I opened XXXX new CD accounts with Discover ( A Division of XXXX XXXX XXXX ) on or about XX/XX/year>. The agreement and condition of these accounts required a deposit of {$1000.00} each before XXXX  days. 

On XX/XX/year>, a deposit of {$1000.00} was remitted by XXXX to XXXX of my CD accounts ending XXXX. 

On XX/XX/XXXX, I called and spoke with a XXXX XXXX XXXX who assured me that Discover Card XXXX have received my {$1000.00} and that these funds would be credited to the account ending XXXX on the following day ( XXXX  ). 

I have sent several online messages to their Customer Service department asking for an update and whereabouts of my money and I have received the same response : PLEASE FUND YOUR ACCOUNT.YOU HAVE XXXX  DAYS REMAINING. 

Today, XX/XX/XXXX, I reviewed my account ending XXXX and still, Discover Card has not funded the XXXX account. As of today, I have XXXX ( XXXX ) days remaining to fund the account. 

WHERE ARE MY FUNDS? I would like for Discover Card Services to RETURN my {$1000.00} without ANY penalties and closed both accounts ending XXXX and XXXX. 

Such a waste of my time! I will have my family close their accounts with a total deposit of XXXX XXXX 

Proof of my payroll deposit dated XX/XX/year> Savings XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: MO

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. XXXX of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.

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 2025-12-03 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: IN

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


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 XXXXXX/XX/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 2025-12-03 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 had over {$7000.00} charged to my accounts. My phone was stolen preventing me from having access to my account. Wells Fargo then closed all debit cards and ordered another one and stated it will take XXXX days to removed this matter. Then 3 days after submitting claim a Wells Fargo representative contacts me and tells me my account was accessed from another device. She changed my username and password. XXXX hours after call XXXX het email they are closing my accounts. I need my money that was stolen! I know now after l that they are trying to avoid from NC

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Accounts Needing Attention XXXX XXXX  - XXXX - Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX - XXXX - Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have no association with this account, and its being reported incorrectly.

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 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: AR

Complaint narrative:
I have held a XXXX XXXX XXXX  Checking account for several years. After moving out of Missouri, I continued to maintain the account with occasional use. I intentionally left approximately {$50.00} in the account specifically to keep it open and in good standing. 

Recently, when I logged into my online banking, I discovered that my checking account no longer appeared in my profile. I contacted XXXX customer service, and the representative informed me that there was no record in their system showing that I had ever held a checking account with XXXX. I called again to verify, and the second representative confirmed the same : XXXX  records showed no evidence of my checking account. 

On the basis of my discussions with multiple representatives, it appears that XXXX XXXX have closed my account and deleted the associated account records, leaving customer service unable to view the account history. At no point did I receive : any notice of account closure, any explanation, or any refund of the remaining balance ( approximately {$50.00} ) that was in the account at the time. 

I am requesting that XXXX XXXX XXXX  Locate or reconstruct the history of my XXXX XXXX XXXX  Checking account ; -- Determine the exact balance at the time the account was closed ; and -- Refund the remaining funds to me, as I never received any check, ACH transfer, or communication regarding the disposition of my balance. 

Because the account appears to have been closed without notice and without returning my funds, I request prompt investigation and a full refund of the remaining balance ( roughly 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 2025-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing this complaint regarding my Capital One auto loan. I was previously offered a settlement, and I attempted to make my last payment, but the plan was cancelled before it could be processed. I immediately contacted Capital One and requested reinstatement of the original settlement with the amount ready in full and was denied. 

Despite my timely communication and willingness to pay the settlement amount in full and even after I mentioned I have proof of limited income, Capital One denied reinstatement again after a XXXX day evaluation solely due to the plan cancellation. They are now attempting to force a higher payment amount for a prolonged period ; that I can not afford due to financial hardship. 

I have informed them that I am on limited income and can not enter a high payment plan or high settlement. Instead of assisting or reviewing my hardship, Capital One warned me that I am at risk for repossession, even though I am actively communicating and attempting to resolve the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: SC

Complaint narrative:
XXXX XXXX Account number XXXX, showing XXXX late payments as delinquent when the payments were made. XXXX late payments reported inaccurately. Payment records do not substantiate delinquencies. Please verify with original documentation or delete under FCRA 611 ( a ) ( 5 ).

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 2025-12-03 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian, XXXX, and XXXX  have all violated my rights as a consumer under FCRA 15 USC 1681c-2. They knowingly reported inaccurate information. I need these items blocked and removed from my report as soon as possible.

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 2025-12-03 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: AR

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-03 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 non-monetary relief
Consumer complaint received 2025-12-03 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: FL

Complaint narrative:
I am disputing inaccurate and unauthorized reporting on my credit reports. XXXX XXXXXXXX XXXX shows a balance of {$940.00} on Equifax and TransUnion as a charge-off. This reporting is inaccurate and unverifiable, violating FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 605B/1681c-2, and 607 ( b ) 15 U.S.C. 1681e ( b ). Additionally, an unauthorized inquiry from XXXX XXXX appears on Experian, which I never authorized, violating FCRA 619 15 U.S.C. 1681q, 604 ( a ) 15 U.S.C. 1681b ( a ), and 604 ( f ) 15 U.S.C. 1681b ( f ).

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 2025-12-03 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: CA

Complaint narrative:
I am writing to express my growing frustration and concern regarding my TransUnion credit report. 
Upon reviewing my report, I have identified multiple inaccuracies that remain unresolved despite my previous disputes. It is unacceptable that my report continues to contain information that is incomplete, incorrect, or unverifiable, as these errors have a direct and negative impact on my creditworthiness, financial reputation, and ability to obtain credit on fair terms. I am formally requesting that TransUnion conduct a thorough and comprehensive reinvestigation of the items listed below and ensure that my credit file is corrected, updated, and accurate as required under federal law, including FCRA 611 ( 15 U.S.C. 1681i procedures for disputing inaccurate information ), FCRA 623 ( a ) ( 2 ) duty of furnishers to correct and update, and FCRA 609 ( a ) right to full disclosure of all information reported. 
XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have no association with this account, and its being reported incorrectly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Formal Complaint Inaccurate Credit Reporting, Duplicate Reporting, and Failure to Update Balance After Auto Auction Sale To Whom It May Concern, I am filing this formal complaint with the Consumer Financial Protection Bureau regarding XXXX accounts that are being inaccurately and inconsistently reported across multiple credit bureaus. These issues involve misleading, duplicate, and outdated information in violation of the Fair Credit Reporting Act ( FCRA ). 

The accounts involved are XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Reported Balance : {$17000.00} Opened : XX/XX/XXXX Status : Collection / Charge-off Last Reported : XX/XX/XXXX Reported to : All three bureaus XXXX. XXXX XXXX Collection ( same underlying debt ) Account # : XXXX Reported Balance : {$2800.00} Opened : XX/XX/XXXX Status : Collection / Charge-off Last Reported : XX/XX/XXXX Reported to : XXXX  only XXXX XXXX XXXX XXXX  Duplicate Reporting of the Same Debt TXXXX is reporting a collection account that stems from the same underlying auto loan that XXXX XXXX XXXX charged off after repossession. 

Despite being the same debt, these entries are being reported as separate negative accounts, which is misleading and harmful. This violates : FCRA XXXX02 ( A ) requirement for maximum possible accuracy FCRA 607 ( B ) duty of consumer reporting agencies to ensure accuracy FCRA 623 ( a ) furnisher duty to report accurate, non-duplicated information Issue XXXX XXXX XXXX Incorrect Balance After Auction Sale The repossessed vehicle associated with XXXX XXXX XXXX was sold at auction, but the balance has not been updated to reflect the reduced post-sale deficiency balance. The original full balance continues to be reported. 

This is inaccurate and violates : FCRA 602 ( A ) FCRA 607 ( B ) Issue XXXX XXXX XXXX Inconsistent Reporting Across Bureaus The XXXX collection only reports to XXXX, not to Equifax or XXXX. 

This creates confusion and misleading representation of the same underlying debt. 

Requested CFPB Action I respectfully request that the CFPB require the furnishers and credit reporting agencies to : Verify and correct the XXXX XXXX XXXX balance to reflect the true post-auction deficiency amount. 

Remove or correct the XXXX account if it is duplicating the same debt. 

Ensure all reporting complies fully with the FCRA. 

I have already submitted disputes to the credit bureaus, but due to the seriousness of the inaccuracies and the impact on my creditworthiness, I am requesting CFPB review and intervention. 

Thank you for your attention. I am available at any time should further information be required. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank of America is reporting an inaccurate, self-contradicting charge-off account. The tradeline contains multiple errors : Charge-off reporting with no verifiable delinquency sequence ( required XXXX  days late ). 
Payment history shows months as OK even before the reported charge-off. 
Historical information appears altered after disputes were filed. 
The charge-off amount and status are inconsistent across bureaus. 
This inaccurate, incomplete, and contradictory reporting violates : FCRA 607 ( b ) Maximum Possible Accuracy FCRA 611 Duty to Delete Unverifiable Information FCRA 623 ( a ) Accuracy Requirements of Furnishers I previously disputed the account to the credit bureaus, but Bank of America verified the information without providing documentation that supports the charge-off.

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 2025-12-03 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
XXXX, XXXX, and XXXX have all violated my rights as a consumer under FCRA 15 USC 1681c-2. They knowingly reported inaccurate information. I need these items blocked and removed from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX, I was scammed through a XXXX transaction. I was contacted by someone on XXXX offering an investment opportunity. They provided an XXXX account, a XXXX number, and a name/ID to make the situation appear legitimate. After I sent the money through XXXX, the person immediately blocked me and disappeared. This was a fraudulent scheme, and I was deceived into sending the funds under false pretenses. 

I reported the scam to Bank of America shortly after it happened and filed a fraud claim. I provided Bank of America with all the information and evidence I had, including the scammers phone number, the XXXX account they used to contact me, their XXXX  contact, and the ID they sent me. Despite giving them all of this, I never received a refund or a proper resolution. The claim was denied/closed with no reimbursement, even though this was clearly a case of fraud, not a legitimate transaction. 

I am requesting that this case be reinvestigated. I acted in good faith and was manipulated by a scammer. Bank of America already has all the documentation and evidence I provided. I am asking for assistance in having the bank review this case again and reimburse the funds lost in this fraudulent XXXX transaction.

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 2025-12-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/year> my ebt card was hacked and money was withdrawn from Wells Fargo in XXXX and I have never been in 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