vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XX/XX/year>, I called Care Credit Customer Service because I was told that additional interest accrued would be waived if I paid off my principle loan before a certain date. I did that by paying XXXX and XXXX at before the date, and the interest was waived. Then, the following month, I get a message saying I have a payment for XXXX. When I called today, they informed me that they were not able to calculate this amount and that I had to pay it despite having paid the other amounts on time. I feel like I was lied to and it frustrates me because Im being told to pay more after I spent a good amount of time talking with the agent earlier last month going through calculations to ensure this wouldnt happen. Its like, if they can pull this off this month, whats to stop them from saying I owe a certain amount next month? Im beyond upset.

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 2025-11-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
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: NY

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

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

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

Company 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 — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Literally, for years I have complained and complained and complained to the President and CEO of XXXX XXXX that his company WITHOUT MY PERMISSION transferred ALL of my PFE stock out of my IRA account to my TAXABLE account! No answer let alone acknowledgment at all from him. 

Complaints galore to the CFPB and nothing was done by him or his vast company! 

Until, that is, finally, at long last, I did receive the information that I had so very long and with so many respectful communications had been repeatedly requesting, asking for, demanding! 

What in the world is this kind of organization, this XXXX XXXX! 

They even opened a second IRA account and again WITHOUT MY KNOWLEDGE OR EVEN PERMISSION! 

I as a retired lawyer call this RECKLESSNESS on their part! 

Why, it is nothing less than the arrogance of supposed power! 

An outrageous invasion of my IRA account and worse yet without my permission at all! 

Now what shall its deceptive and deceiving lawyers have to say about all this as they tried their mightiest to hide this to my beloved wife XXXX and me SCANDAL?

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 card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I recently review a copy of my credit report and noticed fraudulent account ( XXXX ) on it. Please remove theses account they are hurting my ability to get credit.

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: Consumer Portfolio Services, Inc.
State: PA

Complaint narrative:
I have went to XXXX XXXX XXXX on XX/XX/2025 for a vehicle. At the time, I have a open Bankruptcy ( XXXX  XXXX ), and the dealership informed me that they could assist me in getting a vehicle. After going through the entire process of the financing process, I was able to get a vehicle. As I was under stress of getting a vehicle since I had to surrender the previous vehicle I had during Bankruptcy, I was left with very little options. During the signing process, I feel that I was pressured to sign through the documents, not giving me much time to view the documentation. Once I gotten the vehicle, there were issues with the Financial lender that was selected, Consumer Portfolio Services, and after several days, I was suddenly " approved. '' From there, I was able to drive the vehicle without worry. After receiving an update on my due date from Consumer Portfolio Services, I also got this strange charge from a company named XXXX, and I was unsure on who this company was. I submitted a report to my financial institution and reported this organization. 

After viewing documentation from my vehicle purchase, I began to thoroughly view this document, that was from this organization named XXXX. From what I read, it appears that I am being double charged by this company, and then Consumer Portfolio Services as well - who is the original lender. I did request from XXXX to cease attempts to access my banking information, and had my banking information changed to avoid any issues, as I have NOT authorized this company to do any transactions on top of the payments I am making to my Loan with Consumer Portfolio Services. I am requesting an investigation be launched against practices of XXXX XXXX XXXX, as I feel that they did not treat me with fair practice, and rushed me to doing a deal that I did not have the opportunity to understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Recovery Systems, Ltd
State: PA

Complaint narrative:
I am filing this complaint because Nationwide Recovery is reporting a {$3000.00} collection account that is completely inaccurate across all three credit bureaus, and they still have not validated this debt at all. I disputed this account with the credit bureaus AND directly with Nationwide, so nobody can say they didnt receive anything. Yet here we are the same inaccurate, inconsistent, and unverifiable information is still being reported.

Let me go ahead and list out the violations Nationwide created for themselves : 1. FCRA 623 ( a ) ( 1 ) ( A ) Reporting information they know is inaccurate The dates of last activity, the date opened, and the payment status change depending on which bureau you look at. If Nationwide cant even give the same information to all three bureaus, then clearly they dont have accurate records. This is basic FCRA 101.

2. FCRA 607 ( b ) Not maintaining maximum possible accuracy Nationwide is reporting three different versions of the same account. One bureau has old dates, one has new dates, one has a different status altogether. If they cant keep their own reporting straight, it should not be on ANY credit report.

3. FCRA 611 ( a ) ( 1 ) ( A ) Failure to reinvestigate I filed disputes. XXXX  shows the account in dispute. XXXX  and XXXX  show no dispute, which means they never forwarded my dispute to the furnisher within the required 5 business days. Thats a violation on Nationwide AND the credit bureaus.

4. FDCPA 809 ( b ) Failure to validate Nationwide did not send a single legally required validation document.

No payment ledger. 
No itemized breakdown of the {$3000.00}. 
No proof of assignment. 
No original creditor documentation. 
No notices. 
Nothing. 
Yet they continued reporting and collecting. That is illegal. 
XXXX. FDCPA XXXX ( XXXX ) Misrepresentation You can not report a debt as valid, continue collecting, or update it on credit reports when the debt has not been validated. That is considered misrepresenting the legal status of the debt. 
This account is inaccurate, unverified, and unlawfully reported and all of this came from their failures, not mine.

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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 
Accounts in Question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Wolf River Development Company
State: CA

Complaint narrative:
I am submitting a complaint regarding a consumer loan I took from Premier loan solutions. The details are : Loan amount : {$550.00} APR charged : 762.33 % Total amount paid : {$2000.00} Loan fully paid : XX/XX/year> While this loan was executed and paid in full, I recently became aware that lenders offering consumer loans to California residents must hold a valid DFPI license and are prohibited from charging excessively high APRs. The APR on this loan far exceeds legal limits under California law.

I contacted the lender to request a refund of the interest and fees I paid. They responded that the loan agreement was valid and that my account is considered settled, without addressing the legality of the APR or licensing.

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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 
Accounts in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX, I received a phishing email that was impersonating a hotel that I was staying at. They asked for CC information to confirm my reservation and in turn used stolen CC information and put in an unauthorized charge to XXXX by XXXX. I immediately called into Wells Fargo to freeze my account, replaced my number and disputed the transaction. XXXX responded to dispute saying that it was for a digital wallet payment which was not authorized by me, and not associated with me. I sent in relevant information including a response from the hotel group stating that there was a data breach associated with this phishing, in which consumer data was taken. I would like the charges reserves and my account credited and for Wells Fargo to take ownership of the process. 

Date : XXXX Amount : 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 monetary relief
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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to formally dispute and request the immediate deletion and permanent blocking of fraudulent, inaccurate, and unverifiable data currently being reported on my TransUnion credit file.

These entries are the result of identity theft and were not authorized by me. My dispute falls under the guidelines of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Gramm-Leach-Bliley Act ( GLBA ), and the Metro 2 credit reporting standard.

This dispute should be processed electronically using your automated systems. This includes classification under Dispute Code 103 Fraudulent, and application of structured fraud suppression logic for entries that were never initiated or authorized by me. As a consumer, I am specifically requesting that your system perform an automated suppression review, and that the data elements I detail below be processed as a factual dispute without escalation to manual review unless statutorily required.

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 — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I am disputing the derogatory account being reported by CAINE WEINER because the information they are furnishing appears to be inaccurate, unverified, and unsupported by any original documentation. When reviewing my credit reports, I saw that CAINE WEINER is reporting a collection/charge-off account with a past-due balance, but none of the information has been validated or explained. 

I filed disputes with the credit reporting agencies and requested that CAINE WEINER provide verification of the account. I specifically asked for the original creditor agreement, itemized billing statements, proof of ownership, and a complete chain of assignment showing how CAINE WEINER obtained the debt. I also requested documentation showing how the reported balance was calculated. Instead of providing any of these records, the bureaus responded with generic verified notices without supplying any documentation, and CAINE WEINER did not provide any validation directly to me. 

CAINE WEINER has not provided proof that the debt is valid, collectible, or legally owned by them. They did not supply the original agreement, a breakdown of charges, proof of assignment, or any documentation supporting the past-due amount they are reporting. Without these documents, there is no way to confirm whether CAINE WEINERs reporting is accurate, complete, or legitimate.

In addition, the information being reported by CAINE WEINER appears inconsistent across the credit bureaus. Different bureaus show different dates, balances, and status details for the same account, which suggests that the information is being furnished inaccurately or without proper verification. If each bureau is reporting different details for this CAINE WEINER account, the data can not be considered reliable. 

CAINE WEINER also failed to mark the account as disputed after my official dispute was filed. This violates federal reporting requirements and causes lenders to interpret the account as undisputed and accurate when it is not. 

Because CAINE WEINER has not provided validation, is reporting inconsistent and inaccurate information, and has not demonstrated that the negative information is accurate or complete, I am requesting a full reinvestigation using original documentation. If CAINE WEINER can not verify the account with proper evidence, the derogatory information should be removed from my credit file.

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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX XXXXXXXX removed the entire mortgage tradeline from all 3 credit bureaus ( XXXX, Experian, XXXX ) immediately after I submitted fraud and servicing complaints. This prevents me from seeing the account history, escrow records, delinquency reporting, or verification of the underlying debt. 

This appears retaliatory and obstructive because the loan servicer also ignored my Qualified Written Request ( sent by certified mail and by email to their designated representative, XXXX XXXX ), and never acknowledged or responded. Without the tradeline and without records, I can not verify the legitimacy of the foreclosure or defend myself in a related unlawful detainer action. 
I am requesting : ( 1 ) reinstatement of the tradeline, ( 2 ) full servicing and escrow history, and ( 3 ) enforcement action for failure to respond to my Qualified Written Request as required by RESPA.

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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX  XXXX removed the entire mortgage tradeline from all 3 credit bureaus ( XXXX, XXXX, TransUnion ) immediately after I submitted fraud and servicing complaints. This prevents me from seeing the account history, escrow records, delinquency reporting, or verification of the underlying debt. 

This appears retaliatory and obstructive because the loan servicer also ignored my Qualified Written Request ( sent by certified mail and by email to their designated representative, XXXX XXXX ), and never acknowledged or responded. Without the tradeline and without records, I can not verify the legitimacy of the foreclosure or defend myself in a related unlawful detainer action.

I am requesting : ( 1 ) reinstatement of the tradeline, ( 2 ) full servicing and escrow history, and ( 3 ) enforcement action for failure to respond to my Qualified Written Request as required by RESPA.

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 information incorrect
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Credence is reporting a XXXX  collection without providing an original service agreement, itemized billing statements, or proof of assignment from the original creditor. I sent a certified dispute/validation request ( attached ) asking for the original agreement and itemized bills. Credence has not validated the account and continues to furnish. XXXX sellers frequently lack original proof ; furnishing without supporting documents violates FCRA and FDCPA. I request deletion until they can validate and ask CFPB to compel Credence to provide chain-of-assignment and contract evidence.

Company response to consumer: Closed with non-monetary relief