vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 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: PA

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 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 2025-11-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Unauthorized access to my credit report by several companies has directly harmed both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That promise has not been fulfilled these inquiries still remain. This failure to act is completely unacceptable. The continued presence of these potentially fraudulent entries is highly alarming and strongly suggests possible identity theft. This unresolved issue is inflicting ongoing emotional and financial harm.

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 2025-11-06 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MN

Complaint narrative:
I believe that during the XXXX Pandemic that this institution should have offered a deferment on my payments based upon FDIC guidelines that lasted until XX/XX/year>2023. Accordingly, I believe that all past due payments should be deleted based upon my research of XXXX FDIC guidelines to financial institutions. The FDIC 's XXXX rules focused on providing banks with flexibility to help customers, not on imposing new restrictions. Key actions included encouraging banks to modify loans for affected borrowers, clarifying that such modifications would not be considered " troubled debt restructurings '' ( XX/XX/XXXX ), and allowing for delayed appraisals for some real estate loans. Loan modifications : The FDIC encouraged banks to work with customers who were experiencing financial hardship due to the pandemic. Prudent efforts to modify existing loans were not to be subject to criticism from examiners. XXXX clarification : Certain loan modifications made in response to XXXX were not classified as troubled debt restructurings (XX/XX/XXXX ), which is a designation that could have negative implications for a bank 's financial reporting. Mortgage servicing and appraisals : The FDIC provided flexibility for mortgage servicers to work with struggling consumers and allowed for delayed receipt of required appraisals for certain residential and commercial real estate loans. 
ACCORDINGLY, PLEASE AMEND THIS ACCOUNT BY DELETING THE PRIOR PAYMENT HISTORY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: TX

Complaint narrative:
Subject : Formal Dispute and Limited Settlement Offer To Whom It May Concern : I am submitting this correspondence through the Consumer Financial Protection Bureau to ensure there is an official and verifiable record of delivery, as debt collectors are not always forthcoming regarding receipt of disputes. And I do not have extra money to pay for certified mail 's excessive postage requirements. 

Pursuant to 15 U.S.C. XXXX " XXXX ( g ), '' I hereby dispute this alleged debt, in full, and - pursuant to 15 U.S.C. XXXX ( b ), I demand that all further communications regarding it cease immediately, in accordance with applicable federal law. 

Without admitting any liability or ownership of the alleged debt, I am willing to remit {$20.00} as aXX/XX/XXXX-time, full, and final settlement, payable by XX/XX/XXXXime-use credit card, contingent upon written confirmation that such payment will satisfy the account entirely ( this and only this is permissible contact ). Should you not wish to accept this offer within XXXX calendar days of the date CFPB mentions that it's emailing you, the offer is null and void. At that time, accept this notice that I intend to further utilize the legal services of XXXX XXXX XXXX XXXX in defense of this matter. If you wish, you may contact him at XXXX. Otherwise, please govern yourselves accordingly. 

Please note that there were significant issues with the manner in which this alleged debt allegedly arose and was handled, which contributed to this dispute. 

Thank you for your anticipated understanding and prompt attention. 

Sincerely, XXXX XXXX XX/XX/year>

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 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Im writing because I am extremely frustrated and disappointed with how my claim for unauthorized charges was handled claim number XXXX provided by XXXX advisor from Wells Fargo. 

Between XX/XX/XXXX and XX/XX/year>, there were six charges made to my account from XXXX ( XXXX XXXX NY ) using my card ending in XXXX. I did not make or authorize any of these transactions. I have no connection whatsoever to this company, and Ive never used their website. 

Here are the transactions that hit my account : XX/XX/year> {$4.00} XX/XX/year> {$10.00} XX/XX/year> {$20.00} XX/XX/year> {$49.00} XX/XX/year> {$99.00} XX/XX/year> {$100.00} Thats a total of {$280.00} money that was taken from me without my permission. 

I filed a claim immediately after discovering these charges, trusting Wells Fargo to handle it properly. Instead, the claim was closed and denied with no explanation and no proof that I authorized these transactions. Thats unacceptable. Ive been a responsible account holder and expected more transparency and fairness from my bank. 

At this point, I just want this situation fixed. I want my case reopened, properly investigated, and my {$280.00} refunded back to me. I also expect a clear explanation of how these transactions were supposedly approved, because I did not make them. 

Ive been patient long enough, but this has caused real stress and financial hardship. Please take this seriously and resolve it 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 2025-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: SIMMONS FIRST NATIONAL CORPORATION
State: MO

Complaint narrative:
On XXXX XXXX I went into Simmons bank on XXXX XXXX XXXX XXXX XXXX mo after I called and spoke with XXXX one of the clerks there about trying to cash a check that wasnt through them she told me I could but it would be a XXXX $ fee so I went in to try and get it cashed but instead of checking the check to make sure it could be cash miss XXXX write all over the back when I clearly states dont write below this line after she did that she looked at the front and said oh this check wont be able to get cash here because it wasnt through there bank but told me I would have to call my check provider and get a new one which now I have to wait weeks now to get

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Rocket Mortgage is inaccurately reporting the balance of my XXXX mortgage to the credit bureaus. The amount they report includes a HUD Partial Claim of about {$15000.00} that belongs to the XXXX Department XXXX Housing and Urban Development ( HUD ) under FHA Case No. XXXX. This portion of the debt is a separate, non-interest-bearing subordinate XXXX and should not appear as part of Rocket XXXX  active loan balance. 

I requested written proof that HUD authorized Rocket Mortgage to report this subordinate XXXX on its behalf, but Rocket has not provided any documentation of such authorization. My XX/XX/XXXX Loan Modification Agreement as well as a previous modification agreement contains no clause permitting Rocket Mortgage to report HUDs XXXX, yet they continue to include it in the principal balance shown on my credit reports. 

This over-reporting inflates my mortgage debt, lowers my credit score, and affects my ability to refinance or obtain a HELOC. It also violates the Fair Credit Reporting Act ( XXXX U.S.C. XXXX ), which requires furnishers to report accurate account information. 

I am requesting that Rocket Mortgage : Provide written documentation from HUD authorizing them to report the subordinate lien ; or If no authorization exists, correct their credit reporting to show only the amount owed directly to Rocket Mortgage and remove the HUD Partial Claim from the reported balance ; and Confirm in writing that these updates have been sent to all consumer credit bureaus. 

I have already mailed a formal dispute letter with supporting documents, including my XX/XX/XXXX statement and the Loan Modification pages identifying HUD as the lender on the Partial Claim Note. I am filing this complaint because Rocket Mortgage has not yet corrected or substantiated their reporting. I am also sending a letter to HUD to verify the authenticity of rocket mortgage claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: PR

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA 623 ( a ) ( 1 ) ( A ) ) and Metro 2 standards. 

My account ( XXXX XXXX ) has been reported as 180 days late for eight consecutive months, from XX/XX/XXXX through XX/XX/XXXX, w

ith two ND ( No Data ) gaps in between. A 180-day delinquency is a one-time event ; reporting it repeatedly each month is inaccurate and misleading. This creates an artificially extended negative impact on my credit history. Additionally, missing ND periods show incomplete data, violating FCRA 607 ( b ) ( maximum possible accuracy ). The account also remains listed as Open, which conflicts with continuous 180-day late reporting.

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 2025-11-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Yesterday, XX/XX/XXXX, we tried to access money from our savings account by transferring it to our checking account, but the bank told us that the account couldn't be linked. We contacted customer service, and they told us that the account was blocked and that the bank had decided to close it. Today, XX/XX/year>, we contacted customer service again, and they told us once more that we couldn't access the money, neither by going to the bank to withdraw it nor through transfers or cash withdrawals at the ATM, because the bank had decided to discontinue doing business with us. We asked what the reason was for the block and this decision, and they told us that the bank reserved the right to tell us the reason for closing our savings account and that until XX/XX/year>, when they finished the closing process, we wouldn't be able to access our money. They said that we would only be able to access it through a cashier 's check that they would send us by mail for the amount of {$11000.00}, to which I replied that then how was I going to buy things for my daughters that they needed because I didn't have any money available and they mentioned that they weren't taking the money from me and I said yes but I can't withdraw it which is the same thing and they told me that I couldn't do anything and they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I had 2 disputes in progress on my account. 1 was on XX/XX/XXXX in the amount of {$70.00} and another on XX/XX/XXXX in the amount of {$70.00}. The first one on XX/XX/XXXX was for food I never picked up but they had charged my card and didnt provide a refund. The second on XX/XX/XXXX was for a XXXX XXXX I inquired about but did not move forward. The XXXX  dispute was placed by a Wells Fargo team member themselves when I called them in regards to that transaction. My account has been flagged for fraud now when I have the right to dispute transactions. I am the sole provider in our home and have XXXX young children. They blocked any deposits allowed into my account so my pay check did not deposit. I have called and talked to everyone I could to express my situation and express that nothing was 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 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/year>, unauthorized transactions totaling {$3500.00} were made from my account through XXXX XXXX. I did not authorize, participate in, or benefit from these transactions. I believe Capital One should have detected and flagged these transactions as potentially fraudulent, given their size and that they were inconsistent with my normal account activity. No alerts, texts, or notifications were sent to verify these transactions before the funds were withdrawn. When I reported the issue on XX/XX/year>, I expected Capital One to provide stronger support during the dispute process, including a provisional credit while the matter was under investigation. However, despite the clear signs of fraud and my prompt report, my account was not credited, and I was informed that the transactions were considered authorized without sufficient explanation. 
I am requesting that Capital One conduct a full review of its fraud detection procedures and customer notification system in this case and issue a full refund or credit for the {$3100.00} in unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: GA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
I paid the final month rent and fees in full on XXXX XXXX XXXX. I have the invoice and paid in full receipt for this payment. The unlawful debt is for additional fees charged after the end date of the lease agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: SC

Complaint narrative:
This complaint concerns a fraudulent XXXX XXXX XXXX XXXX XXXX  account that was previously identified as identity theft and supported by a Police Report ( # XXXX ) and FTC Identity Theft Report ( # XXXX ). The original creditor and credit bureaus were all properly notified under FCRA 1681c-2, which requires blocking and cessation of collection once a consumer submits an identity theft report. 

Despite clear notice, Velocity Investments , LLC obtained and attempted to collect this same fraudulent account. Their actions occurred after receiving full documentation proving the debt was not mine and that the original bank had been informed. Velocity then referred the disputed account to XXXX XXXX XXXX XXXX XXXX, initiating legal-collection efforts in violation of 15 U.S.C. 1692e ( 2 ) ( A ) and 1692f of the Fair Debt Collection Practices Act ( FDCPA ), which prohibit misrepresentation and unfair practices when the debt is known to be disputed.

After receiving the fraud evidence directly from me, Attorney XXXX XXXX confirmed in writing on XX/XX/year>, that his office was closing the file and expressed sympathy for the fraud by XXXX. This written acknowledgment from Velocitys own counsel demonstrates that the debt was not legitimate, that Velocity had constructive and actual knowledge of the dispute, and that the attempt to collect or litigate was a reckless and unlawful act. 

Velocitys conduct represents a willful failure to maintain procedures to prevent the collection or sale of identity-theft-related accounts. Their behavior caused continued emotional XXXX, reputational damage, and required my time and expense to correct an issue already resolved through proper legal channels.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
I have an CD at Marcus that was set to expire on XX/XX/year>. I visited the website and denoted I want to close my account and gave the institution and account to which the money should have been placed. As a barrier to complete my request, the website states " For your security please call toll free at XXXX '' I took screen shots of these to events. I then called the number and completed the request. Marcus did not follow my request and instead renewed my CD for a one year term. I just found this out and called to close my account. The service agent, XXXX initially said she could close my account but would require I pay back the 2 months the money sat at Marcus. I complained as I could have made even more money in my investments if they had returned my money. She then got punitive, put me on hold and returned to claim I needed an email confirmation of the request. She did not even know their own system which mandates I place a call. She then said I would owe Marcus an early termination fee of {$2000.00}. I asked to talk to her supervisor. XXXX, the Customer Service Representative Supervisor made the same argument and refused to pass me to her manager, claiming she doesn't have a manager. She said she would send a case for review to see if the early termination would be waived. To make sure I was informed of the process, I requested a copy of the case report, but XXXX refused. She said it would take 3-5 business days and they would render a verdict. As a frame of reference, I closed my CD account at XXXX without issues. They did not put up the barriers that Marcus did to retrieve my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Applied and approved for the Citi XXXX XXXX XXXX but my account was blocked. I was approved XX/XX/XXXX but its been 2 months and I have not been able to even activate my account. Citi said I have to wait til XX/XX/XXXX to get an answer but in the meantime they are charging an annual fee and they will not waive it or put it on hold.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief