vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

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 2025-11-14 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 paid extra when I bought the truck for a extended warranty that covers large items on the truck and when I was on a long trip a part on the truck that cost over {$2000.00} needed to be replaced and they would not cover it the truck would have shut down to five miles and hour so I replaced myself

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 2025-11-14 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Veros Credit, LLC
State: GA

Complaint narrative:
Consumer : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX DOB : XX/XX/year> SSN ( Last 4 ) : XXXX Phone : XXXX Email : XXXX Subject : Immediate Removal of Unlawful Repossession FCRA 1681e ( b ), 611, 1681s-2 This complaint is regarding the inaccurate, unverified, and unlawful reporting of a repossession by XXXX XXXX XXXX 
Account Number : XXXX Violations : 1. Violation of FCRA 1681e ( b ) information reported is inaccurate and unverifiable. 
2. Violation of FCRA 611 failure to conduct a reasonable reinvestigation. 
3. Failure to provide legally required repossession notices. 
4. Failure to mark the account as disputed in compliance with FCRA 1681s-2 ( a ) ( 3 ). 
Requested CFPB Action : 1. Immediate deletion of the repossession account from all credit bureaus. 
2. Full documentation proving lawful repossession, sale, and deficiency. 
3. Written confirmation of all corrective actions. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: AZ

Complaint narrative:
I found a credit card inquiry on my credit report. 
1. I have not applied for any credit cards in years. 
2. An airline card would be of not value to me as I do not travel by air. 
3. The request for a credit card was not initiated by me. 
4. The company is in DE, I live in AZ 5. Needless to say I am more than upset, as a XXXX XXXX my wife and I do not need this type of harassment. 
6. My wife did not apply for the card. 
Company involved is XXXX, whom we have never heard of.

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 2025-11-14 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I found a credit card inquiry on my credit report. 
1. I have not applied for any credit cards in years. 
2. An airline card would be of not value to me as I do not travel by air. 
3. The request for a credit card was not initiated by me.

4. The company is in DE, I live in AZ 5. Needless to say I am more than upset, as a XXXX XXXX my wife and I do not need this type of harassment. 
6. My wife did not apply for the card. 
Company involved is XXXX, whom we have never heard of.

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 2025-11-14 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: AZ

Complaint narrative:
I found a credit card inquiry on my credit report. 
1. I have not applied for any credit cards in years. 
2. An airline card would be of not value to me as I do not travel by air. 
3. The request for a credit card was not initiated by me. 
4. The company is in DE, I live in AZ 5. Needless to say I am more than upset, as a XXXX XXXX my wife and I do not need this type of harassment. 
6. My wife did not apply for the card. 
Company involved is XXXX, whom we have never heard of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am disputing the derogatory account being reported by PORTFOLIO RECOV ( Portfolio Recovery Associates ) because the information they are furnishing appears to be inaccurate, unverified, and not supported by any original documentation. When reviewing my credit reports, I noticed that Portfolio Recovery is reporting a collection account with a past-due balance and delinquency history that I can not verify as accurate. 

I submitted disputes with the credit reporting agencies and requested that Portfolio Recovery provide full validation of the alleged debt. I specifically asked for the original creditor agreement, itemized billing statements, full payment history, proof of ownership of the account, and a complete chain of assignment showing how they acquired the debt. None of this information was provided. Instead, the credit bureaus responded with generic notices claiming the account was verified, but no documentation or evidence was ever supplied. 

Portfolio Recovery did not provide any original documents showing that they legally own the debt or that the balance they are reporting is accurate. No itemized billing record, contract, or evidence explaining how the past-due amount was calculated was provided. Without these documents, there is no proof that the debt is valid or that Portfolio Recovery has the legal authority to report it. 

Additionally, the details reported by Portfolio Recovery differ across the credit bureaus. The delinquency dates, balances, account status, and reporting history are inconsistent from one bureau to another, indicating that the information being furnished is not accurate or properly validated. When each bureau reports different information for the same account, it raises serious concerns about reliability and compliance. 

Portfolio Recovery also failed to mark the account as disputed, even after my disputes were submitted to the bureaus. This is required under federal reporting guidelines, and failing to update the status misleads lenders by making the account appear uncontested. 

Because Portfolio Recovery has not provided validation, is reporting conflicting and inaccurate details, and has not demonstrated that the derogatory information is accurate or complete, I am requesting that the company and the credit reporting agencies conduct a full reinvestigation using original documentation. If Portfolio Recovery can not verify the account with proper evidence, the derogatory information should be removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
XXXX has not kept up with their security and has been used many times by someone that is not me making transactions under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: NJ

Complaint narrative:
I am very frustrated because my credit report shows accounts I do not recognize, which suggests a possible identity theft. 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: TX

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: American Trst Company, Inc.
State: LA

Complaint narrative:
Complaints number is XXXX I sent this complaint never received a response. I will like my XXXX XXXX back I paid them like I stated my complaint number show when the complaint was made.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-14 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: MI

Complaint narrative:
I was genuinely shocked to discover that my credit report had been accessed without my consent, with multiple applications submitted under my name that I did not authorize or recognize. These companies pulled my credit without my permission, and I have never applied to any of them. This situation has left me in disbelief, as it is a clear violation of my rights as a consumer and deeply insulting to me as a law-abiding individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : Capital One Account number : Dear ( Debt Collector ), I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Revolut Technologies Inc.
State: TX

Complaint narrative:
XX/XX/XXXX they restricted my Revolut account I was supposed to receive a direct deposit that same day I contacted them and they advised that the only thing thats restricted is the top up feature and I will still receive my direct deposit because I did inform them. I have to use that money to pay my rent or I will lose my home. They told me I will not have a problem when I receive my direct deposit that evening it immediately restricted my account, not allowing me to use that I submitted on the XXXX information they asked for a they did say it does take up to seven days max we are now close to four weeks. Theres no update. I dont have access to my funds. I lost my home. I am homeless. I just want my money and to get this account closed at this point and every time I contact customer service its all copy paste AI generated answers. They dont have a phone number to call. I cant get any assistance and I cant take it anymore to the point. Its putting me in a XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The XXXX XXXX  credit card account is being reported inaccurately on my TransUnion credit report. The account was charged off in the past, but TransUnion is showing a CO ( charge-off ) status every month along with an updated balance. A charge-off is a one-time event, but it is being reported as if it is recurring monthly, which makes it appear as though I am becoming newly delinquent every month. This is not accurate and results in an incorrect account status. 

This type of reporting appears to violate the FCRA requirement for maximum possible accuracy under 15 U.S.C. 1681e ( b ) because the status does not reflect the true nature of a one-time charge-off. It also appears to violate FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information that is misleading or can not be properly substantiated. Monthly reporting of a new CO status after the account has already charged off is misleading and inaccurately suggests ongoing delinquency. 

I previously disputed this account with TransUnion, but no documentation, payment history, or method of verification was provided as required by FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). The furnisher did not provide any evidence to support continuous monthly charge-off reporting. The account is also being reported differently on the other credit bureaus, which raises concerns under FCRA 607 ( b ) regarding consistency and accuracy across agencies. 

I am requesting that TransUnion conduct a proper investigation into the accuracy of the account status and reporting, and ensure the information complies with FCRA accuracy requirements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Unauthorized access to my credit report by multiple companies has severely damaged my credit and score. Despite assurances from your representative that these fraudulent inquiries would be removed, they persist. This inaction is unacceptable and indicates potential identity theft. The ongoing harm to my finances and well-being is intolerable.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS. 
EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA. 
BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING. 
THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
On XX/XX/year>, I attempted to make a mortgage payment through the companys Automated Voice Response ( AVR ) system. I instructed the system to split the payment across two bank accounts. The system confirmed the split and issued a payment confirmation. 

Despite this, the company withdrew the full payment from one account, causing financial disruption. As a result, my brokerage account fell below required minimums, preventing me from trading for several days and causing financial stress. 

I immediately contacted the company multiple times over six weeks, including letters and phone calls, requesting review of the call recording, acknowledgment of the error, and compensation. The company has failed to confirm that the AVR call recording was reviewed or provide a resolution. 

I am seeking confirmation that the payment call was reviewed, acknowledgment of responsibility for the error, and compensation for the financial and operational harm caused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was the victim of a fraudulent investment scam operated by a fake cryptocurrency platform called XXXX. On XX/XX/year>, and XX/XX/year>, I sent two wire transfers totaling {$160000.00} from my Truist Bank account under fraudulent instructions from criminals posing as legitimate financial representatives. 

When I discovered the fraud, I immediately notified Truist Bank and requested that they urgently contact the recipient banks to initiate wire recalls, freeze the receiving accounts, and begin an interbank investigation. However, Truist Bank did not provide timely assistance, did not confirm whether recalls were initiated, and did not give me any written acknowledgment or updates. Their lack of action contributed to the ongoing unrecovered status of my funds. 

The fraudulent wire transfers were : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe Truist failed in its obligations under UCC Article 4A and its duty to act promptly once notified of 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