vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-17 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file an updated complaint regarding the continued restriction placed on my XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX account ( ending in XXXX ) by Barclays Bank Delaware, and the failure of their internal teams to provide clear and consistent instructions for resolution. 

Background Barclays flagged my account for suspicious activity on XX/XX/XXXX. After I successfully verified my identity through a Possession Activity Verification ( PAV ) call, the restriction was lifted. However, a second restriction was placed on XX/XX/XXXX, following an internal update to my contact information. This action triggered another round of verification, despite the fact that I had already completed the prior steps. 

Multiple Submissions of Verification Documents Following Barclays ' request, I faxed a copy of my Social Security card several times as instructed. However, each time, the Fraud team claimed the documents were " not clear. '' I attempted to send the required documents in multiple formats and through different means, showing good faith and urgency in complying with their request. 

On XX/XX/XXXX, I was informed that my Social Security card was finally received " clearly. '' Despite this, I was then told I needed to send an additional document, contradicting the letter from the Office of the President ( signed by XXXX XXXX, which clearly states that only one document is required to lift the restriction Issues of Miscommunication and Process Failure This experience has caused unnecessary stress and delay. It is unacceptable that : Barclays did not follow their own stated policy of requiring only one document. I complied in good faith but was repeatedly told my submissions were unclear, even though no transparent guidance was provided. Barclays teams gave conflicting instructions, demonstrating a lack of coordination between the Office of the President and the Fraud Department.

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 2025-10-17 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:
It sends the wrong message about my financial beliefs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXXXXXX XXXX XXXX XXXX IA XXXX To Whom It May Concern, I am writing to formally lodge a complaint against Wells Fargo regarding a {$10.00} maintenance fee that was charged to my account. This fee was applied after three provisional credits were reversed, which should never have been the case. 

As a result of these errors, my account balance dropped below {$500.00}, unjustly causing me to incur this maintenance fee. I feel that Wells Fargo is responsible for this situation, and I should not have been charged for a fee that arose from processing errors. 

Additionally, at XXXX XXXX  on XX/XX/XXXX, I contacted customer service regarding this issue. Unfortunately, the agent I spoke with handled the situation incorrectly and did not resolve anything. I was informed by an agent in XXXX, NC, named XXXX, that if my balance remained over {$500.00} for the month, I would not receive a fee. Furthermore, a supervisor named XXXX refused to reverse the fee, despite the circumstances surrounding its application. 

I urge the Consumer Financial Protection Bureau to investigate this matter to ensure that Wells Fargo acknowledges its responsibility and reverses the improper maintenance fee. 

Thank you for your attention to this matter. I look forward to your prompt response.

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 2025-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc.
State: VA

Complaint narrative:
In summary, I had two accounts incurred XXXX XXXX XXXX XXXX XXXX, one ending in XXXX and the other ending in XXXX. Both accounts were sent from XXXX XXXX XXXX XXXX XXXX XXXX to AMCOL Systems for repayment. I called AMCOL Systems and set up a payment plan for both accounts into one monthly payment plan agreement. XXXX XXXX XXXX XXXX XXXX XXXX breached the contract with AMCOL for repayment by taking the accounts back and sending account ending in XXXX to XXXX XXXX and the other account ending in XXXX I am being told by XXXX XXXX is still with ACMOL but AMCOL states that they do not have either of these accounts anymore because XXXX XXXX sent them both back despite our payment plan agreement with AMCOL. Pictures of the written contract payment agreement as of XX/XX/year> with AMCOL Systems for both accounts XXXX XXXX XXXX 's to be drafted from my bank account every XXXX of each month starting XX/XX/year>, screenshots of XXXX of the accounts with XXXX XXXX as of XX/XX/year>, and receipts from the monthly payment under contract with AMCOL Systems of {$110.00} being drafted from my bank account each month is attached as well. * * Please see the attached letter document including details and breakdowns of all this information * *

Company response to consumer: Untimely response
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ADVANCED DEBT COLLECTION, INC.
State: IN

Complaint narrative:
They Advance Debt collectors was only supposed to take XXXX $ bi weekly out of my check and they are taking more than what they are supposed to say I didnt provide them with a new job so they took 25 % of what Is supposed to come out

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 2025-10-17 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX  days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: TX

Complaint narrative:
I am asking that the disputed accounts be removed promptly, per the legal guidelines of 15 U.S. Code 1681g.

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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-10-17 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: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC XXXXb. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV Funding LLC is reporting a collection account on my credit report with a balance of {$1700.00}. This account was previously disputed and deleted/updated but has now been reinserted or updated without providing any legal documentation to substantiate the debt. 

LVNV has failed to provide the following as required under FCRA 611 ( a ) and FDCPA 809 ( b ) : Original signed credit agreement or contract Complete account ledger and payment history Chain of title or assignment proving ownership of the debt Method of verification used to verify the account with TransUnion Reporting a balance without proper validation constitutes furnishing inaccurate or unverifiable information, a violation of FCRA 623 ( a ) ( 1 ) ( A ). Additionally, I was not notified of any reinsertion as required by FCRA 611 ( a ) ( 5 ) ( B ). This has negatively impacted my credit score and ability to obtain financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: FL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
On XX/XX/year>, my robinhood account got compromised, and the person initiated a XXXX $ transfer to my robinhood account. Then they started to buy options, and by the time that i noticed I lost everything. Robinhood support did not help me one bit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 2025-10-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This is a request for your assistance. I have tried to resolve this issue by inquiring with the institution thatdebited my account. The following transactions were never authorized by me, the account holder. The institution that debited my account does not have and never has had any signed or verbal contractualagreement to regularly debitmy account from me. Everytimethat I have asked directquestions to theinstitutionI have not received any answers. I was able to block this institution from furtherdebiting any of my accounts throughcustomer service afew weeks ago. 
Capital One does not provide any notifications of debit when a withdrawal is made from an account like it does with debit card transactions so I had to go look for these transactions while doing my research. During a recent thorough review of my account I have found the following unauthorized debits from my account. I am in need of your assistance. 
Thank you. 
Account NumbeXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Steel River Systems, LLC
State: FL

Complaint narrative:
I told this company that it was a identity theft and I had know knowledge of this account. They have still refused to take it off my credit.

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 2025-10-17 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:
THIS ACCOUNT IS FRAUDULENTLY REPORTED UNDER MY NAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
I had used cash app to make some purchases to different people and when I never received the stuff I contacted cash app and reported the transactions to have been scammers and that I wanted my money back and they told me oh well not their problem

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: FL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-10-17 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: FL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-10-17 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: AL

Complaint narrative:
Inaccurate accounts are reporting to my credit file

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 2025-10-17 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:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
XXXX XXXX XXXX is reporting a collection for XXXX XXXX that I do not legally owe. I never received a validation notice or any proof of this debt as required under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). The account is unverifiable and inaccurate. I have disputed this with all credit bureaus, and I request immediate deletion and written confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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 did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: MO

Complaint narrative:
My mortgage servicer, Newrez/Shellpoint Mortgage Servicing , mishandled my escrow account and paid an unauthorized homeowners insurance policy without my consent or signature. 
I already had an active homeowners policy with XXXX XXXX ( policy XXXX ), which began in XX/XX/XXXX and remains in effect through XX/XX/XXXX. 
Despite this, Newrez/Shellpoint paid out an additional XXXX policy ( XXXX ) in XX/XX/XXXX without my authorization. 
This caused my monthly mortgage payment to increase from {$1800.00} to {$2200.00}, an increase of {$400.00} per month, for XXXX through XX/XX/XXXX. 
Because I could not afford the unauthorized increase, I continued paying my original monthly amount of {$1800.00}. Instead of applying my payments correctly, Newrez/Shellpoint held my payments in suspense and reported my mortgage as delinquent to the credit bureaus. This false reporting caused my credit score to drop XXXX points, and I am now concerned that my future loan applications will carry higher interest rates because of the inaccurate delinquency. 
I have since resolved the insurance issue directly with XXXX and had a {$6000.00} refund check issued to Newrez/Shellpoint on XX/XX/XXXX. Newrez/Shellpoint confirmed receipt and placed the funds into my escrow account. The escrow account was corrected effective XX/XX/XXXX. 
However, I have overpaid {$2100.00} due to their error, have suffered credit damage, and endured five months of financial and emotional distress from this situation.

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