vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX I called and made a phone payment of {$700.00} to my XXXX Credit Card account ending in XXXX with Wells Fargo. This payment was posted on XX/XX/XXXX and the money was withdrawn from my XXXX  checking account on XX/XX/XXXX, however my available credit limit did not change. When I called Wells Fargo about this payment, I was told the payment did not go through because it was an invalid account. When I asked where the {$700.00} went then I was told by the rep that they were not sure but that this happens sometimes and I should receive it back in 3-5 business days. 7 business days have passed at the time of this complaint and I have not received the {$700.00} back, nor have I received any official communication from Wells Fargo about this ( no letter, email, app notification, nothing ). After over a dozen calls, no representative has been able to help me in anyway beyond saying to continue waiting.

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 2025-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Business Financing Corporation
State: TX

Complaint narrative:
Over the past few months, a debt collector has repeatedly harassed ( texted and emailed ) myself and several third-parties and family members with the personal information related to the debt and demands for payment. For example, I received a group text and email today, 11/13/25, with 5 other individuals on the text thread with the message : " CFG Merchant Solutions LLC. As it is now in collections status. Give me a call at the number below, or send me an email back, to discuss your account before the closing of business ( XXXX XXXX XXXXT ) today. I would like to make a payment offer to get this taken care of. If you fail to contact me today, we will be forced to move your file to our attorney for litigation. If you would like to avoid liens and judgments being enforced on your XXXX, processors, receivables bank accounts and potential property it is imperative that you reach out to my directly at ( XXXX ) XXXX XXXX '' This is a part of a series of group texts and emails over the past year, all with the same personal and sensitive information regarding my personal debt. None of the third parties have consented to receiving messages and have advised the collector to stop. 

Furthermore, I emailed CFG Merchant Solutions on XX/XX/XXXXXXXX  to refer all communications to my attorney, at which point they were supposed to cease emailing, calling, and texting me. Since then, their collection efforts have become increasingly more intense and is now involving 5-10 members of my family, extended family, and work associates. 

I am filing a formal complaint and will be pursuing legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital Systems or XXXX : XXXX XXXX XXXX : XXXX. I'm unaware of this debt on my credit report and did not have the opportunity to dispute this account. If you believe you sent proper notification via purchase agreement, please provide the 'Certified Mail ' receipt displaying my signature. If not, please delete the account : XXXX as soon as possible from my report or I will be forced to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
A collection account is being reported on my credit report without proper validation or proof that I owe the alleged debt. I never received documentation or a notice of validation from the collection agency. Despite disputing the account, it remains on my file in violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Dealing with provider of income share agreement
Company: Climb Credit Inc.
State: TX

Complaint narrative:
I enrolled in the XXXX XXXX XXXX career-training program in XXXX According to the Terms of Service, repayment on my Climb Credit loan would only be required if I became Placed, defined as earning at least $ XXXX or {$40000.00} annually. 

XXXX has now notified me in writing that the company has been foreclosed, its assets have been repossessed, and it is winding down operations. XXXX also confirmed in email that I have NOT been Placed under their Placement Guarantee. 

Despite this, XXXX XXXX continues to demand payment and refuses to defer the loan. I contacted Climb Credit multiple times and requested : - Documentation supporting their decision to continue collecting, - A pause in billing and credit reporting during review, and - Verification of any communication between Climb and XXXX. 

Climb responded that they can not adjust or defer the loan because XXXX has not sent refund funds. They also stated that payment remains due regardless of XXXX foreclosure. Climb did NOT provide any of the documentation I requested. 

XXXX, on the other hand, stated that their team has a limited ability to assist due to foreclosure and referred me back to Climb. There is no clear process for resolving disputes for affected fellows like me. 

My first payment is scheduled for XX/XX/XXXX, and I am stuck between two companies : - XXXX which has shut down and can not fulfill their Placement Guarantee or provide full documentation ; and - Climb Credit, which continues to demand payment despite the guarantee conditions not being met. 

I am requesting : - A full review of this loan and my repayment obligation ; - Suspension of billing and credit reporting while the dispute is investigated ; - Written clarification of whether I am considered Placed ; - Any documentation Climb is required to provide under federal consumer loan disclosure rules ; and - Resolution or discharge of the loan if repayment is not owed due to the programs failure and shutdown. 

I am acting in good faith and have tried to resolve this directly with both XXXX and Climb Credit, but neither company has provided the required information or a path to resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
Someone opened an account from this creditor without my knowledge. I have a block on my credit report that requires the creditor to contact me first without opening a line of credit due to identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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:
I thought about getting a new car loan. I started the application but never finished or submitted it. I received 2 reminders e-mails stating it was not completed and to come back and finish it. 
The next business day, the company ran my application resulting in a hard inquiry and derogatory mark on my credit. How is this legal? 
This was done XXXX XXXX XX/XX/XXXX. 
The lender is : XXXXXXXX XXXX XXXXXXXX in XXXX, TX.

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 2025-11-13 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Experian block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXX XXXX  - Opened XX/XX/year>XXXX  With a balance of {$4200.00} Account number XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and 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 explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I tried to sign into my account last week. Access was denied. I called them and was told my account was in a " back office review ''. Subsequently I was told it could take 90 days to resolve. It has been over a week and I can not access my money. This is concerning Synchrony Bank.

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint because the creditor/debt collector has continued collection efforts despite my bankruptcy filing. This includes phone calls, letters, and reporting the debt to credit bureaus after the bankruptcy case was filed and/or discharged. Such actions violate the automatic stay and discharge injunction under bankruptcy law.s negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: SN SERVICING CORPORATION
State: NC

Complaint narrative:
My mortgage loan was transferred from XXXXXXXX XXXX  to SN Servicing Corporation on XX/XX/year>. When SN Servicing assumed the loan, it was treated as a new loan, as reflected on their Loan History. 

I have now been with SN Servicing for three years and have made every monthly payment on time, including one additional payment ahead of schedule. I have documentation showing 36 consecutive on-time payments since the loan was transferred. 

The problem is that SN Servicing continues to reference information from my prior servicer, XXXXXXXX XXXX showing I was two months behind before the loan was transferred. This is inaccurate and unfair. Once a new servicer assumes a loan, they are required to maintain accurate payment records based only on the payments they have received not on a previous companys data. 

I am currently in the process of refinancing my home. The lender only requires the most recent 24 months of payment history, all of which have been paid on time to SN Servicing. However, the inaccurate carryover information from XXXX is causing unnecessary delays and issues with my refinance approval. 

In addition, SN Servicing has not reported my active mortgage account to any of the major credit bureaus ( XXXX XXXX XXXX XXXX ). This lack of reporting further hurts my credit profile and does not accurately reflect my consistent payment history. 

I have contacted SN Servicing multiple times to resolve these issues, but their representatives have been unhelpful, dismissive, and have not provided a written correction or explanation. 

I am requesting that the CFPB require SN Servicing to : Correct my payment history to reflect only the payments made since they assumed the loan on XX/XX/year> Remove any references to XXXX XXXX prior delinquency data Begin reporting my mortgage account accurately to all major credit bureaus Provide a full written response and documentation of these corrections I have bank statements and payment records that confirm consistent on-time payments for the past three years with SN Servicing. I am requesting that this matter be investigated and corrected promptly so I can proceed with my refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
Robinhood has blocked me from accessing my brokerage account since XX/XX/XXXX, and today is XX/XX/XXXX, over a month later, with no progress. I use the same authorized laptop, correct email, and correct password I always have. Robinhood claims to send verification codes and app notifications that I never receive. I attempted ID verification as instructed, but after scanning my ID the system demands a verification code that Robinhood does not send, making login impossible.

I contacted Robinhood repeatedly on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Robinhood repeatedly sent generic, irrelevant responses and even closed my support case on XX/XX/XXXX without resolution. They falsely claimed that I had not submitted my ID, even though I did. Their system simply fails after ID submission.

I sent Robinhood a certified letter, which they received, and in response they sent another email linking to a page stating I can not be verified and again falsely claimed I can use verification methods that do not work. I have explained this to them many times.

Being locked out has caused severe financial hardship, leaving me unable to buy food for myself or my pets and at risk of missing essential payments. Robinhood is effectively seizing my funds and refusing to provide a working verification method.

I am requesting CFPB assistance to compel Robinhood to provide manual verification and restore access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Fraudulent loan from XXXX and TD auto finance. They repossessed a fully paid off vehicle. The car was paid off when we left the shop per the we owe you, and you owe us. 

They didnt transfer the trade in title and used it without insurance causing my wife to lose her license and the loan to stay active. They stole so much. They gave someone an electronic key and login info to her car. They did damage. 

The towing company hit me while I was in the vehicle and stole it from me. I havd had to rent a car for months. 

I sat on hold so the TD auto finance for hours at a time to be hung up on at least XXXX different time. Still no vehicle or repayment of my overpaid amounts. Plus my truck is just gone. 

XXXX XXXX XXXX XXXX did this with TD auto finance. The sales person named XXXX was involved. 

My truck is now being driven with my sun pass collecting tolls and using my insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
Someone falsely opened a credit card in my name and social security number. SYNCBXXXX XXXX. I called the company to close the account and report fraud. They said they did and will send me a letter. I called again to see the status of the investigation, and they advised that they couldn't tell me. I told them I was going to do a police report, and they told me not to.

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 2025-11-13 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Klarna AB
State: NC

Complaint narrative:
I have been using Klarna for purchases to increase my purchasing power which is now at {$600.00}. I planned to use that for holiday shopping. 

Today when I went to do a purchase, I was asked to verify my identity, which I did via my drivers license but then I was denied use of Klarna for any further purchases because my drivers license address does not match my physical address. 

My drivers license is not updated because the state of North Carolina is unable to update anyones license and they are also unable to renew anyones license. This is a widely known issue has been going on for over a year and the state of North Carolina does not expect its online system to be operational until maybe XX/XX/year>. 

I had planned to use credit like XXXX and Klarna for my holiday shopping but now Im unable to use either at no fault of my own. 

Klarna states it will use only a drivers license state ID, or passport. As I only have a drivers license, Im unable to verify my identity therefore unable to use Klarna, therefore unable to purchase any gifts.

I looked on the web and its quite a problem so I dont know what could be done except tell companies that they can verify identity with bank statements or Social Security card or something else.

People in the state of NC are being discriminated against, unable to get financial services or credit because their drivers license is incorrect, at no fault of their own. 

And no one seems to care. Why does it have to be some class action suit or some big news story in order to get people to stand up and do the right thing? I am fairly sure theres probably hundreds maybe thousands of people in this state that can no longer verify their identity for any type of credit or financial services. 

Why isnt someone doing something about this???

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: IL

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-11-13 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: EQUIFAX, INC.
State: SC

Complaint narrative:
My credit report contains multiple inaccurate, outdated, and unverifiable accounts. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

Company response to consumer: Closed with non-monetary relief