vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-24 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: GA

Complaint narrative:
I am filing this complaint against [ Experian XXXX Equifax XXXX TransUnion ] for willful and negligent violations of the Fair Credit Reporting Act ( FCRA ). 

I have formally disputed multiple charge-offs and collection accounts that are inaccurate, fraudulent, or unverifiable. Despite my disputes, the bureau continues to report these accounts without providing original source documentation from the creditor. 

Under FCRA 1681i, the bureau must conduct a reasonable reinvestigation. XXXX on automated parroted responses from furnishers does not meet this standard. 

Additionally, I provided an Identity Theft Report as defined in FCRA 605 ( b ) ( 15 U.S.C. 1681c-2 ), which legally requires the bureau to block fraudulent accounts within XXXX business days. The bureau failed to comply. 

For Equifax specifically : due to the XXXX Equifax Data Breach, which compromised the accuracy and integrity of consumer files, continued reporting of unverifiable data violates FCRA 1681e ( b ) ( failure to ensure maximum possible accuracy ). 

These actions ( and inactions ) are causing direct harm to my creditworthiness, resulting in loss of financial opportunities. I am demanding immediate deletion of all disputed charge-offs and collection accounts that can not be verified with original documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 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: Incomm Holdings Inc.
State: CA

Complaint narrative:
I brought a card at XXXX to pay for my hotel room because I thought they where going to need it for security deposit but I didnt so I was going to use it for food for my kids I tried putting it in my XXXX  XXXX it declined then I tried using it at store declined I called asked what was going on was told it had a fraud hold I was told to verify the transactions I did and the man said I did but told me he was canceling my card I asked why telling him my kids need food an would stave if we didnt get the funds he said well its been compromised I asked again how if I verified everything he said I did verify all transactions but still felt it suspicious because it doesnt match normal activity mind u I just purchased the card that day I never had any history with them when I asked for a digital card because I had no address they could send it to at the time they denied me and cont to hold my money for months

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: OH

Complaint narrative:
My data and information was stolen they refused to reach out to me after lots of money was token out of my account and fraud actions being made I even sent in proof they never reached back and it put me a financial burden

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I opened a Citi XXXX XXXX credit card with a 0 % APR Intro Offer for XXXX  months. By mistake, my purchases were enrolled in XXXX XXXX XXXX XXXX XXXX XXXX  I contacted Citi immediately, and they confirmed that XXXX XXXX was cancelled. 

However, the account still shows incorrect Minimum Payment Due calculations, and I continue to receive repeated collection calls at least twice a month. Each time I have to re-explain the situation from the beginning, and no permanent resolution has been made. 

In addition, my credit score has dropped by XXXX points, which I believe is due to Citis misreporting of my account status to the credit bureaus. Citi has only refunded late fees but has not corrected the underlying error or updated the credit reporting. 

Requested Resolution : 1. Written confirmation that my account is correctly enrolled in the 0 % APR Intro Offer for XXXX months. 


2. Immediate correction of any inaccurate reporting to XXXX XXXX XXXX XXXX, and restoration of my credit score.

3. Cessation of repeated collection calls while the account is in dispute. 


4. Formal acknowledgment and timeline for full resolution. 



This situation has caused financial harm and stress, and I request CFPB intervention to ensure Citi corrects this issue promptly.

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 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX was in my Late Husband name and my name and he passed in XX/XX/year> and then the company XXXX XXXX XXXX XXXX came after me XXXX  months after his death and he got money had a policy that was stolen from me as his wife.

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 2025-08-24 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: CT

Complaint narrative:
I've recently received a copy of my credit report and noticed multiple inaccuracies and unauthorized accounts & information reporting to my credit report. these remarks have been detrimental to my life and credit health

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 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXX, GA XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX : - XXXX PERSONAL INFORMATION Name XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I submitted a claim with the CFPB last week after Wells Fargo handled a dispute of duplicate charges with no professionalism, no concern, and no resolution. 2 days after submitting my complaint with the CFPB, I received notification that my Wells Fargo Account was closed. It has blocked all deposits and transactions and states the accounts permanent closure date is next week. I called the bank to ask for the reasoning for the closure. They stated the reasoning was fraud. I still have the open claim that is still slated in progress. They have requested additional information which I have provided. They asked that I send them an email with the transaction IDs with all of the valid charges that resulted in the duplicates. I provided this information via email. I have banked with Wells Fargo for 17 years. This is effecting my livelihood as both my own and my husbands pay checks are direct deposit to the Wells Fargo account. I feel that the account closure is a direct result of my reporting the dispute claim to the CPFB and is retaliation.

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 2025-08-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
All of my student loans are XXXX to XXXX XXXX XXXX and do not reflect my credit worthiness.

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 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I found an inaccurate negative item on my credit report. The company in question is XXXX XXXX XXXX, account no. XXXX. I contacted the credit reporting agency, received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ). Please remove this unverifiable item.

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 2025-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
On XX/XX/year> at XXXX XXXX  est PayPal  sent me an email about unusual activity on my account and prompted me to change my password. They also asked that I upload my drivers license. I did in fact change my password and upload the front and back of my drivers license. Then XXXX/XXXXXXXX  at XXXX XXXX  est PayPal sent a second email saying they were permanently closing my account. When I reached out to the company through their phone line multiple agents I spoke told me they couldnt tell me why and then told me to go find a different service to use. My account was closed for no reason. I provided my id as asked and even changed my password. I have broken no terms or conditions. I would like my account reinstated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is once again poor process and procedure and negligence at the hand of Wells Fargo bank. Several months ago I reported an unauthorized charge to my well Fargo account. I received no goods nor device and deny 100/ % making the transaction or approving transaction I dont know the company nor have I ever called nor emailed nor visited their state.i believe my phone was misused while not in my possession? I retrieved the phone and contested these charges. Wells Fargo listened to my claim and started an investigation onto this matter. As well as placed my device on a bad device list making it ineligible to use in my apple wallet. After their investigation concluded, they determined that the charge is valid, I made the charge, its legitimate and my claim was denied. Their decision can not be contested and the matter is considered closed by Wells Fargo. I disagree, however that is not my complaint! If they believe I made these charges and denied my claim, then why does my device remain on the bad device list? It doesnt belong there and for over 3 months Ive been calling Wells Fargo and getting told a different story each time and never a resolution! I want my phone off that list!!!

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 2025-08-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
Between XX/XX/year> & XX/XX/year>, a XXXX XXXX XXXX  was in my car while the mother was homeless. I have several cell phones that have XXXX XXXX as a payment method. I was not aware that the child had my phone and was making in-app purchases for a game they downloaded. I minor is unable to bind into an agreement of that kind. I have been disputing the charges and they have given me credit for some of the charges but will not credit the XXXX remaining. I have filed claims with XXXX FCC, FTC, ATTORNEY GENERAL & next step is FCBA & small claims court. I have several other charges that I am disputing & even with all the documents & proof showing that I did not receive the product or service I was under the impression I was to receive, PayPal Synchrony is refusing to credit my account. On XX/XX/year> I purchased a product from XXXX. The advertisement and sales person had given wrong information about product use & return policy. I have emails and pictures of communication between myself & XXXX. The amount of the transaction is {$79.00}. On XX/XX/year>, I ordered a book from XXXX & I received an audio book instead. I filed a claim with XXXX for it, but then when I was talking to a PayPal agent about a different XXXX purchase, the agent opened a claim on the {$21.00} in error. I immediately closed the claim on PayPal & called XXXX who advised me that since a claim was opened with PayPal, it nullified the Buyer Protection I had with XXXX. I asked Synchrony for credit since it was not my fault that they had someone open a claim in error. Then on XX/XX/year> I had come across a FB ad for XXXX XXXX. You were to take a quiz to see what your trauma was & how to cope on a daily basis & they would provide daily notes and skills to use to help with processing XXXX XXXX. I paid {$31.00} for one month and then I started receiving the daily emails that were to be related to XXXX XXXX. When the emails came in, every single one was about dealing with XXXX. I do not have XXXX and immediately contacted them to stop the charges. I was not ever able to get ahold of the ad or sponsor for the page. I contacted Synchrony and they refused to credit my account. I am looking for Synchrony to give me credit for XXXX XXXX XXXX XXXX I spoke with Synchrony on XX/XX/year> and I have not received anything from them. They advised me that I would receive an email for each dispute in order to provide additional information. Information that I have already submitted to PayPal 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 monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
Midland Credit Management , Inc . 
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Complaint Regarding Violation of 15 U.S.C. 1692c ( c ) To Whom It May Concern, I am writing to formally lodge a complaint against Midland Credit Management , Inc. for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ). 

On XX/XX/year>, your company attempted to collect an alleged debt in the amount of {$280.00}. I explicitly advised your representatives to cease repeated telephone calls and to stop contacting me in this manner. Despite this clear request, Midland Credit Management continued to make repeated and harassing phone calls regarding this alleged debt. 

This conduct is in direct violation of 15 U.S.C. 1692c ( c ), which requires debt collectors to cease communication once a consumer notifies them in writing or otherwise to stop such contact. Your failure to comply with this law constitutes harassment and an infringement of my rights as a consumer.

I hereby demand the following : 1.Immediate cessation of all telephone calls and harassing communication attempts regarding this alleged debt.

2.Written confirmation that your company will comply with the provisions of the FDCPA going forward.

3.Documentation verifying the validity of the alleged debt in accordance with 15 U.S.C. 1692g.

If this violation is not promptly addressed, I will be forced to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. I also reserve the right to pursue legal action for damages available under the FDCPA. 

Please treat this letter as a final notice. I expect written confirmation within 15 days of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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 a victim of identity theft. Multiple fraudulent accounts and a XXXX XXXX inquiry were reported on my TransUnion credit file without my knowledge, authorization, or consent. 

On XX/XX/year>, I

submitted a dispute and provided supporting documents including my government-issued ID, Social Security card, proof of address, and a sworn affidavit of truth. I also cited my rights under FCRA 605B, which requires TransUnion to block fraudulent accounts within 4 business days. Despite providing everything required by law, TransUnion failed to block these fraudulent items and continues to report them. This has caused ongoing financial harm, credit damage, and emotional distress. I am requesting that the CFPB require TransUnion to immediately comply with FCRA 605B and 611 by blocking and removing the fraudulent accounts and inquiry, preventing reinsertion, and confirming deletion in writing.

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 2025-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Dear CFPB Representative, I am submitting this update regarding my ongoing complaint against Truist Bank concerning a U.S. Treasury check issued to me. Truist has incorrectly reported to the CFPB that this matter has been resolved, but in fact, it remains unresolved and continues to cause me financial harm.

Background and Timeline I received a U.S. Treasury check from the IRS and deposited it at Truist Bank.

Although Truist accepted and processed the check, the funds were never credited to my account. 
On XX/XX/year>, the IRS confirmed that they formally requested Truist return the funds, as the payment trace showed the check had been cashed. 
To date, Truist has failed to return the funds to the IRS or release them to me, leaving the money in limbo. 

Supporting Documentation Attached is a letter from the U.S. Department of the Treasury, Bureau of Fiscal Service, confirming that the check was cashed.

This documentation supports my position that while the check was negotiated, I never received the proceeds.

Why This Remains Unresolved Truist has falsely stated to the CFPB that this issue was resolved. However : 1. I never received the funds in my account.

2. The IRS has not been reimbursed by Truist despite repeated requests.

3. I continue to be deprived of money legally owed to me.

Requested Action I respectfully request that the CFPB intervene and require Truist to : Provide written proof that the funds have either been credited to my account or returned to the IRS, and Correct its false claim that this matter has been resolved.

Until Truist takes action, this issue is not closed. I urge the CFPB to escalate this case and hold Truist accountable for its failure to properly handle a federal check. 

Thank you for your time and continued assistance. Please contact me if additional details are required. 

Sincerely, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NC 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 2025-08-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO BANK NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX I noticed incorrect payment history. 

Previously in XXXX I made two payments toward Principal only, one for XXXX and one for XXXX. They applied both of these payments as pre pay payments. I called several times and they simply told me this was how it worked and nothing could be changed. This act actually disabled my auto payment. I missed XXXX and XXXX, but that would have been paid with the prepay amounts. I made all other payments. I also made one XXXX payment to principal in XXXX and one XXXX payment in XXXX. 

XXXX XXXX someone went into my account and removed all payments made that year tomake the XXXX payments principal only and causing my account to acutally be deliquent. 

This caused my XXXX, XXXX, and XXXX payments to only be applied to interest. As well as a XXXX payment to interest only. This totals {$6000.00} to be applied only to interest incorrectly.

Furthermore this bank no longer has two years of payments recorded on my RV.
There is a gap between XX/XX/XXXX to XX/XX/XXXX ( when all the corrections started ). The account was on autodraft and reliably paid every month. I have the statements to back that up. There is no reflection of two years of payments in the starting balance of my principal in XX/XX/XXXX. 

In total tens of thousands of dollars are unaccounted for. 

I have called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. My calls are either routed to someone who states everthing is fine, I get told to travel to another state to dispute in a branch, or they simply stopped answering my calls. The only information I have from them are their inaccurate payment histories. I also have mailed statments showing me current over the summer, which is no longer reflected in their official payment history they mailed me.

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