vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am writing to address an urgent issue regarding my Citi account. My account was closed yesterday without any prior notice. Because of this unexpected closure, my scheduled mortgage payment did not go through, which resulted in a late fee being charged to my mortgage account. 

Additionally, the funds for that payment were not returned to me. 

I am requesting immediate assistance to : 1. Understand why my account was closed without notification, 2. Have the mortgage payment funds returned as soon as possible, and 3. Get the late fee reversed, as this situation occurred due to the account being closed without my knowledge. 

Please look into this matter urgently and let me know the next steps.

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 collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I reached an agreement with XXXX XXXX months ago and have been paying this debt via autopay monthly. Today, I received screenshots from my daughter of messages they have sent her that state who the debt was from, what my payment amount is and the last 4 numbers of my account that I am using to repay this debt. My personal information regarding a debt I owed has been shared with someone not associated with the debt or repayment. I called the company and had them remove that number and was told there was an additional number that this information was being shared with and that number was removed as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing a formal complaint regarding unauthorized hard inquiries that have been reported on my Equifax credit report. These inquiries were not initiated, authorized, or consented to by me. They are the result of identity theft and represent clear violations of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681b ( 2 ), as there is no permissible purpose for these inquiries. These inquiries are fraudulent and fall under the scope of 15 U.S.C. 1681c-2, which mandates the blocking and deletion of any information that has been reported due to identity theft. 

As a direct consequence of this identity theft, I have experienced significant emotional distress and mental anguish. The continued presence of these fraudulent inquiries on my credit report is causing further harm to my creditworthiness, and this issue remains unresolved despite my repeated attempts to have the inquiries removed. I am demanding that Equifax immediately delete these unauthorized inquiries and issue an updated, accurate credit report that reflects the removal of this fraudulent information. 

I have already filed complaints with the FTC and will continue to request their intervention. I am requesting that the CFPB enforce Equifaxs compliance with the FCRA and hold them accountable for failing to address the unauthorized reporting of these inquiries. I expect a prompt resolution to this matter. If this issue is not addressed in a timely and satisfactory manner, I will not hesitate to pursue legal action for damages resulting from this willful noncompliance and the emotional distress I have suffered.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible and fairness of credit reporting. Also, in 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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 
"

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: PA

Complaint narrative:
I filed an FTC report due to my information being exposed in the Equifax data breach. The accounts listed do not match my records and must be all deleted.

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 card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST PORTFOLIO SERVICING INC
State: IL

Complaint narrative:
I have asked since XXXX of 2025 to have the account closed with a {$0.00} and all late fees and accrued fees and monthly fees to cease. I have asked several times for all collection calls to stop! I have informed totals XXXX several times that I no longer want the card. I made my final payment {$60.00}. They informed me via phone that account would be closed and any late fees will be waived and my balance is {$0.00}! My account was dinged 30 days late by all 3-credit bureaus from XXXX. I filed a CFPB complaint in XXXX of 2025 and total visa FINALLLY sent me a letter to close the account and waived all fees! 

In XXXX XXXX, I received a 120 day late notification from all 3 credit bureaus dropped my score XXXX points!!!! They said I dont have a {$0.00} but they keep charging me monthly servicing fee and a late payment fee even though the account is closed! Breaking all Federal consumers laws! This has put a stop to me for employment at my insurance firm! You have to have a minimum XXXX credit score to work there and because of total visa, I was unable to work! Over a {$300.00} card!!!!!!!

Company public response: Company believes complaint is the result of an isolated error
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 — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am submitting this letter to formally report serious concerns regarding Wells Fargos handling of a recent fraud incident involving my account and to request a full review of the banks actions. I am also providing this letter to my legal counsel for evaluation of my rights and potential next steps. 

On XX/XX/XXXX, a fraudulent transaction was posted to my Wells Fargo account. No merchandise was ever delivered because no merchandise was ever purchased by me. I immediately reported the transaction to Wells Fargos fraud department and complied with all required steps to dispute the charge. 

Despite the clear nature of the fraud, Wells Fargo subsequently denied the claim. During my follow-up call with the claims department, I was informed that I should take it up myself with the merchantdespite the fact that the transaction was not authorized by me, the merchant is fraudulent, and I have no legitimate business relationship with them. This response contradicts Wells Fargos publicly stated commitments regarding customer protection and zero liability for unauthorized transactions.

Wells Fargos own published policy states that the bank provides Zero Liability protection for unauthorized transactions on consumer accounts and that the bank will reimburse customers for confirmed fraud. The handling of my case does not align with these assurances, nor with industry-standard fraud-prevention practices that consumers reasonably rely on when using a major national bank. 

Furthermore, I am concerned that this situation may reflect broader systemic deficiencies in Wells Fargos fraud-prevention processes, online-banking protections, and claims-resolution practices. The failure to provide appropriate assistance, the directive to contact a fraudulent entity on my own, and the claim denial without reasonable justification collectively raise concerns about whether Wells Fargo is fulfilling its obligations under federal consumer-protection laws, including the Electronic Fund Transfer Act ( EFTA ) and related regulations. 

Given the volume of similar customer reports publicly available and the consistency of issues described, I am requesting that my legal counsel evaluate whether these practices may constitute a pattern of inadequate fraud-protection measures that could warrant further legal review, including the possibility of pursuing class-action remedies on behalf of affected customers.

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
Consumer complaint received 2025-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I purchased a pre-owned XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX. A {$1800.00} tire & wheel warranty was added to my contract and rolled into my loan without clear disclosure that it was a paid add-on. I later requested cancellation more than two months ago. The dealership repeatedly said it would be submitted. I contacted the warranty provider directly on XX/XX/XXXX, and they confirmed the dealership NEVER submitted any cancellation request. 

This failure to process the cancellation is causing my auto loan balance to remain inflated and is increasing my interest costs. 

I visited the dealership in person, called multiple times, and emailed both Finance Director ( XXXX XXXX ) and the General Manager. They ignored all communication and failed to provide the cancellation confirmation or refund. 

I am requesting that the dealership be required to immediately submit the cancellation, the warranty provider issue the refund, and my auto lender apply the refund to my loan.

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
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion is reporting an XXXX XXXX XXXX account that was dismissed in court and is not legally owed, but they continue to verify it as accurate. 


I have disputed this XXXX XXXX XXXX account with TransUnion multiple times. The account should not be reported because it was dismissed by a judge in XXXX XXXX on XXXX XXXX XXXX. I provided TransUnion with the official dismissal paperwork from the

Justice Court. Despite this, TransUnion has repeatedly marked the account as verified without correction. They have now reopened the investigation only because I called by phone, but this is the fourth or fifth dispute I have submitted. The account continues to report inaccurately.

Under the Fair Credit Reporting Act, a credit reporting agency must : Conduct a reasonable reinvestigation after a consumer dispute.

Delete or correct information that can not be verified or has been proven inaccurate. 

I provided official court documentation showing the account was dismissed and is not legally owed. TransUnions repeated verification without updating or removing the account indicates a failure to conduct a reasonable investigation as required under the FCRA.

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: Figure Technologies, Inc
State: NJ

Complaint narrative:
Complaint : Figure Lending LLC is inaccurately reporting my two home equity loans ( Account Numbers : XXXX and XXXX ) as revolving lines of credit and displaying them as maxed-out credit lines on my credit reports. This is materially false and harmful. 

These accounts are single-disbursement home equity loans with fixed monthly payments, NOT revolving home equity lines of credit ( HELOCs ) and should not be reported as revolving or included in revolving utilization calculations. 

I contacted Figure Lending directly, and their representative acknowledged that a revolving trade line should not be reported as a maxed-out line of credit. Despite this, they refused to correct the inaccurate information. 

I submitted a formal written dispute under FCRA 623 ( a ), but the reporting remains incorrect. This misclassification is significantly damaging my credit score by falsely inflating my utilization ratio. 

I am requesting that the CFPB require Figure Lending LLC to : 1. Correct both accounts to Installment Home Equity Loan 2. Remove them from revolving utilization categories 3. Update XXXX XXXX XXXX XXXX with accurate information 4. Provide written confirmation of the corrected reporting The current reporting violates the FCRAs accuracy requirements and is causing substantial financial harm.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion recently experienced a data breach that exposed my Social Security number and date of birth. While reviewing my credit, I found an incorrect account from XXXX that is neither verified nor validated, yet TransUnion reports it as incomplete with missing verification details. Who is the original owner? Where are the evidence and documentation proving ownership, such as the purchase agreement, bill of sale, master purchase agreement addendum, and chain of purchase? Why is unverified and incomplete information about my account being reported to others? This violates the FCRA. Under the FCRA, I am requesting that TransUnion investigate XXXX, and if the debt can not be properly verified and validated with the correct paperwork, the account should be deleted immediately. If this account is not removed, legal action will follow. i have included your own credit report as of today for your reference with highlighted Questionable sections.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to file a dispute regarding the inaccurate reporting of certain accounts on my credit reports. The following accounts are in dispute for each credit bureau : Charged-Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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