vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Hi, I hope this message finds you well. My name is XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I sold my place in XXXX XXXX, last month. Now, I am moving to XXXX area, in XXXX. On the last XXXX of this month my nightmare startedI tried to purchase things to the new house that I bought, and my card didnt workedThe transaction was declined, declined and declined. I called my bank ( Wells Fargo ) and they told me that the reason of that was suspicious activity. On the other day ( XX/XX/XXXX XXXX ) the bank ( Wells Fargo ) send me a message saying that my accounts ( checking and saving accounts ) will be closed by XX/XX/XXXX. As I said, I bought a house and I need to pay for it, including the hotel that I am staying!!! But I can not access my money even after I already went to the Wells Fargo Branch ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), on XX/XX/XXXX and XX/XX/XXXX, with my passport and drivers license to prove my identity as they asked, and to inform them that theres no suspicious activity in my accounts! So, XXXX is XX/XX/XXXX, I called them and, again, they asked me to go to the bank to prove my identityagain!! So, the time is running outI will have to pay for the new house and my money is blocked by them!!! They are holding all my money ( {$17000.00} from my checking account number XXXX, and from my savings account number XXXX, the amount of {$450000.00} ). Monday I will have to work and probably I will go back again to the bank only on the next Tuesday XX/XX/XXXX to try to find a resolutionBut it is driving me crazy because the last person that I talked by phone ( Wells Fargo customer service ) told me that theres no notes informing them that I already went to the bank to prove my identitySo please, I think that I need your help guys! Thank you very much.

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 2025-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I need to see the original copy of this debt and how they give me the money in first place because banks can not give loans under 12 usc 1431 so why are they coming after me for money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
1st said I was approved for {$4000.00}. This enticed me to move forward. After doing all the paperwork and verifying my deposit acct with XX/XX/XXXX, they then changed it to {$50.00}. Now I can't even get that bc they said my bank was prepaid. If I'm not mistaken, all banks are prepaid? If my credit were top notch would I even be applying for a loan or even considering accepting XXXX. Loan? They have discriminated and profiled my character due to whom I bank with. Shouldn't they have a " we don't do business with XX/XX/XXXX banks '' before anyone applies? Told me I can come into the location for cash but can not txfr to XX/XX/XXXX. It would cost me XXXX for a cab to get XXXX from them. This is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My rights were violated as a consumer under 15USC1681B and I need them blocked and deleted from my report ASAP

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 2025-11-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Dispute of Unauthorized Access / Reporting of My Consumer Information To Whom It May Concern, I am writing to dispute the collection, reporting, and/or furnishing of my consumer information. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to accurate reporting and to restrict the use of my personal information without proper authorization. 

I am formally stating that : 1. I did not provide written consent or authorization to you, or to any entity, to access, furnish, or report my personal consumer information.

2. If any data on my credit file has been obtained, shared, or reported without my authorization, such actions may violate my rights under the FCRA. 

Under 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report for specific permissible purposes. If you or any furnisher are reporting information without a legally permissible purpose or without my consent where required, this information must be immediately investigated and removed.

Therefore, I request the following : 1. A complete investigation into any and all entries on my credit report that may have been furnished or accessed without my express written permission.

2. Documentation of the permissible purpose relied upon for each access, inquiry, or furnishing of information on my credit file.

3. Removal of any items, inquiries, or data that can not be verified as authorized or permissible under 15 U.S.C. 1681b.

4. A written response within 30 days, as required by the FCRA, detailing the results of your investigation. 

Please consider this a formal dispute under 15 U.S.C. 1681i and a request for verification of permissible purpose. I expect all inaccurate, unauthorized, or unverifiable information to be deleted promptly. 

I have included a copy of my identification to assist in your investigation : Government-issued ID Proof of address Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Company I am complaining about : Synchrony bank Product/service : Lowe 's XXXX  Credit Card Issue : Closed my credit card account What happened : On XX/XX/XXXX at XXXXXXXX XXXX I learned that my Lowe 's XXXX  credit card account issued by Synchrony bank had been permanently closed since XX/XX/XXXXXXXX  by the creditor. 

I have never received any advance warning, phone call, email, or written letter explaining that my account was at risk of closure or that it had been closed. To this day ( XX/XX/XXXXXXXX   ), I still have not received the legally required adverse action notice explaining the specific reasons for the closure, as required by the Equal Credit Opportunity Act ( ECOA ) and Regulation B ( 15U.S.C. 1691 and 12 C.F.R. 1002.9 ). 

Because no notice was provided, I have been unable to understand or address whatever issue synchrony claims justified the closure ( e.g., inactivity, credit report changes, internal policy, etc. ). This sudden closure without explanation has also damaged my credit score by reducing my available credit and average age of accounts.

What I have already done : Called synchrony bank at XXXX XXXX on XX/XX/XXXXXXXX  3 times. 

I asked for the reason and for a copy of the adverse action notice, first lady confirmed no letter was sent and then second rep said in 30 days I would receive one but no specific reason just the board made the decision. 

I have never missed a payment, and I am a business owner.

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 2025-11-16 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: MD

Complaint narrative:
XXXX XXXX, ( XXXX ), ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of all of the accounts attached to etc and dispute letters These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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: MD

Complaint narrative:
XXXX XXXX, ( XXXX ), ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of all of the accounts attached to etc and dispute letters These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 non-monetary relief
Consumer complaint received 2025-11-15 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: FL

Complaint narrative:
I am filing this formal complaint because multiple items are being reported inaccurately on my consumer credit reports. I have attempted to address these issues with the credit bureaus, but the errors remain. These inaccuracies are harming my creditworthiness and violating my rights under the Fair Credit Reporting Act ( FCRA ).

1. Incorrect Addresses The following addresses appearing on my credit report are not mine and should not be associated with my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These addresses are incorrect and appear to be mixed-file errors. 

2. Late Payments Reported Incorrectly The following accounts are reporting late payments that are completely inaccurate.

I have never made a late payment on these accounts at any time. Therefore, the reporting is incorrect and violates FCRA 602 ( A ), 607 ( B ), and 623. 

XXXX XXXX Balance : {$3600.00} Late Payment XXXX XXXX XXXXXXXX Balance : {$720.00} Late Payment XXXX XXXXXXXX Balance : {$190.00} Late Payment XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} Late Payment XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$27000.00} Late Payment XXXX XXXX XXXXXXXX Balance : {$70.00} Late Payment These late-payment entries do not match my records and are not supported by any original documentation.

Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers may not report information they can not verify as accurate.

I demand full reinvestigation and correction of these accounts.

3. Hard Inquiries I Did Not Authorize My report also shows inquiries that I did not authorize, nor did I apply for credit with these companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries constitute unauthorized use of my personal information. 
Under FCRA 604 ( a ) ( 2 ), a furnisher must have permissible purpose to pull my report.

I request that CFPB require the bureaus and the furnishers to remove these unauthorized inquiries.

Requested Resolution I respectfully request the CFPB to ensure the following : Removal of all incorrect addresses.

Full reinvestigation of all late-payment accounts and correction of all inaccurate data.

Removal of all unauthorized hard inquiries.

Written confirmation once these items are corrected.

I am prepared to provide identification documents, statements, and any other information necessary. These errors are causing financial harm, and I request prompt assistance to resolve these issues.

Thank you for your time and attention.

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 2025-11-15 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate and fraudulent information appearing on my credit report. The accounts ) listed below do not belong to me and appear to be the result of identity theft or unauthorized use of my personal information. Fraudulent Account Information : Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I request that you conduct a full investigation into these accounts. Since they are fraudulent, they must be removed or corrected immediately. I have included documentation to support my claim, including : A copy of my government-issued ID Proof of address ( e.g., recent utility bill or bank statement ) A copy of my XXXX Identity Theft Report or Police Report Under FCRA 605B, you are required to block fraudulent information from my credit report within 4 business days after receiving this notice and proof of identity theft. Furthermore, under FDCPA 807 and 809, any debt collector reporting this debt is prohibited from using deceptive means to collect or verify a debt that is not valid. I formally demand the following : That the fraudulent accounts ) listed above be immediately removed from my credit report. That you provide written confirmation of the results of your investigation within 30 days as required by law. That you forward all corrected reports to any creditors or entities that have receive my report in the past six months ( or two years for employment purposes ), as required by FCRA 611 ( d ). Please confirm receipt of this letter and investigation commencement. Failure to comply with these obligations will result in me filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General 's Office. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I received this AMEX gift card from my roommate for my birthday with a value of {$150.00}. I have tried several times to use it at stores, grocery store, department store for amounts less than the gift card value and it has gotten declined XXXX  times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: FL

Complaint narrative:
I previously submitted a valid identity theft dispute under FCRA 605B, including : 1. A signed FTC Identity Theft Report 2. A police report filed with my local Police Department 3. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA 1681c-2 ( a )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Kikoff Inc.
State: TX

Complaint narrative:
They made me {$250.00} said I owed them then I could sign up. Then said I had a credit limit of {$700.00} they say will show on my credit to boost my credit. Did disputes through there system never got a response credit scores were way wrong told me they were rising everything they said or marketed was false now they say I owe them {$250.00} again they keep saying I used some of the credit gave me I dont k ow how cause they dont give u any money or a actual line of credit for anything but they say I have used {$250.00} of it again

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: IL

Complaint narrative:
The company is reporting an incorrect balance on my XXXX XXXX credit card account. As of XX/XX/XXXX, the credit bureaus began reporting a balance of approximately {$350.00}. This information is inaccurate. 

On XX/XX/XXXX, I made the final payment on the account, and the balance immediately dropped to {$0.00}. The creditors online portal reflected a current balance of {$0.00} and a restored credit limit with full available credit. Despite this, the credit bureaus have continued to report the outdated {$350.00} balance.

I contacted the creditor directly, and the payment was confirmed as processed. No further payments were due, and the account has been in good standing.

The inaccurate reporting is affecting my credit utilization and overall credit profile. I am requesting that the company update the account to reflect the correct current balance of {$0.00} and ensure that no past-due amounts or incorrect balances continue to be reported.

This is a request for correction under the Fair Credit Reporting Act, as the information being furnished is not accurate and is not being updated in a timely manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Subject : Complaint : Unjustified Hold on XXXX Transfer / Delayed Funds Availability To Whom It May Concern, I am a customer of Capital One. On XX/XX/year>, my girlfriend sent me {$1000.00} via XXXX, expecting it to arrive instantly. However, Capital One placed a hold on the funds and told me it wont be available until XX/XX/year> even though XXXX is supposed to be immediate. 

This delay is creating significant financial hardship, as I need access to that money today to pay a staff member who is frustrated for not receiving their pay and get inventory for my business. 

I have called Capital One multiple times to contest the hold and to request release. Most recently, I asked to speak to a supervisor and was told that theres nothing they can do to release the funds early. 

I believe this hold may be unreasonable given that : XXXX. The transfer was from a known, trusted sender ( my girlfriend ). 

XXXX. XXXX is advertised by many banks as an instant method. 

XXXX. Capital One has not provided a detailed explanation or justification for why the hold is necessary. 

I respectfully request : A supervisory review of this hold, and A written explanation of the reason ( s ) for the delay, including which policy or risk factor triggered the hold, and That Capital One consider releasing the funds immediately, or at least reduce the hold period, given the circumstances. 


If this can not be resolved fairly, I intend to escalate this matter. Thank you for your time and prompt attention to this serious issue. I look forward to your response. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
Exeter finance repossessed my vehicle and kept saying they sent me out all these notices when I never received not one .. upon me investigating they have a incorrect address on file that Ive never in my life given them .. that would explain why I never even knew my Vehicle was up for repossession until I seen my account balance go from {$370.00} to {$9000.00} and I instantly called and asked hey why did my balance go from my monthly {$370.00} to {$9000.00} and they explained I had 3 months to pay or give the car back .. in which they came and got the car back before the 3 months was even over .. my address is XXXX XXXX XXXX XXXX XXXX XXXX .. they have XXXX XXXX XXXX address on file so they were sending my mail to the wrong address which would explain why I never was aware of anything but in my defense that seems like their fault because I NEVER changed my address let alone to a street Ive never heard of .. the least I feel they can do is remove it because I got this on my credit due to their error if I had applicable time to figure out a way to save my car I would have but I didnt know until it was too late because they were sending it to a false address .. show me anywhere on my credit file or ID has that address? Show me, any type of mail going to that address I am so confused how this even happens its unfair and unjust.

Company response to consumer: Closed with explanation