vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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 is now my third and final notice regarding inaccurate late payment entries that remain on my credit file. Despite my previous disputes and your legal obligation to maintain accurate reporting, you have failed to delete or correct the entries in question. This ongoing failure constitutes a blatant violation of the Fair Credit Reporting Act ( FCRA ) and federal billing laws. 
This account was always paid as agreed. The reporting of a late payment is inaccurate and must be corrected. This constitutes a billing error under 15 U.S.C. 1666B. 
No notice of any due date or missed payment was received, violating fair notice requirements under the law. 
Accounts in Dispute : 1. XXXX XXXX Account Number : XXXX 2. XXXX XXXX Account Number : XXXX 3. XXXX XXXX Account Number : 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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westcreek Financial
State: PA

Complaint narrative:
I am disputing multiple inaccuracies and inconsistent reporting by Koalafi. 

Koalafi is reporting balances, payment amounts, and account terms that do not match the agreement I was given in the store. I was never properly informed that additional fees or charges would be added on top of the price I agreed to, and no one explained the true total cost. If the actual terms had been disclosed, I would not have agreed to the transaction. 

Koalafi is also reporting an incorrect weekly payment amount. The credit report shows a payment of {$700.00}, which is completely inaccurate. My actual weekly payment amount was {$240.00}, and I never paid or agreed to pay {$700.00}. This is a factual inaccuracy. 

After I filed a dispute, Koalafi changed key details on my credit report. Before the dispute, the highest balance was reported as {$3100.00}. After the dispute, Koalafi changed the data to show loan amount {$3100.00}, while simultaneously reporting a {$4000.00} balance. I never agreed to the {$4000.00} amount that number was later presented to me as a settlement offer, not part of the original agreement, and I did not accept or agree to it. 

There are also inconsistencies in the reported payment history and amounts. XXXX shows {$890.00} paid, but Koalafis internal system reflects a different paid amount of XXXX. These inconsistencies show that the information being furnished is unreliable and not based on accurate records. 

I have repeatedly asked Koalafi for documentation showing the original terms, the true amounts, and what I actually agreed to. They have not provided any signed or verifiable documentation supporting the numbers they are reporting. Instead, the data continues to change after each dispute, without resolving the inaccuracies. 

I am requesting that this account be removed entirely if Koalafi can not provide original signed documentation supporting the reported balance, payment amounts, or terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX by Wells Fargo was closed on XX/XX/XXXX without warning or correspondence from the bank. It had been opened for close to 6 years, since XX/XX/XXXX and remained in good standing the entire duration. It was my longest standing account with Wells Fargo. I have multiple credit accounts with Wells Fargo, another of which was recently paid in full and the others for which I make regular payments. In the past, my credit limit has been reduced by the bank, but my account was never closed. The reasons for which the bank has cited closing my account are generic and do not provide adequate reason as to why this specific account was closed rather than my other accounts, or why my credit limits were not reduced rather than why the account was closed. I have spoken with XXXX from the XXXX XXXX XXXX XXXX. An investigation resulted in no additional information and I was still not provided an acceptable reason as to why the account was closed.

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 2025-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
First week of XXXX I received an annual escrow statement showing an escrow shortage of {$42000.00}. Immediately I called four leaf to question what happened. They explained it was a typo which led to that amount. I dont even pay my homeowners through my mortgage, its paid separately and the balance has already been paid for the year so Im unsure why it is even being calculated in my escrow. I was told after my initial phone call and sending over confirmation of my homeowners insurance being paid that it would be resolved and I received a phone call two days later saying it was resolved. Fast forward to yesterday when I receive my mortgage statement saying my next payment is {$10000.00} on XXXX. For reference my mortgage is a fifth of this amount. It also still did not update the escrow as promised. When I called today I was told only today a request to remove the insurance from escrow was being placed and they are unsure why this even happened to begin with. I was told I should wait until XXXX  XXXX to see any resolve. Why is it taking this long for resolve? And why was the escrow amount such a ridiculous number??

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING 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
Consumer complaint received 2025-11-19 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 did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Subject : FCRA 607 ( b ) & FDCPA 809 ( a ) Violations Wrong XXXX Reporting, Wrong Address Reporting, Inconsistent Reporting, No Notice of Alleged Debt, No Notice of Alleged Debt Before Reporting to CRA 's, Failure to Validate Requesting Complete Deletion Complaint : I am filing this complaint regarding an account reported by XXXX XXXX XXXX XXXX that I was never notified by any means about and do not recognize. I discovered the account only by reviewing my credit reports. I have never received a single notice, letter, email, or phone call from XXXX XXXX 

Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Account Number Reported : Available Available upon request Reported Balance : {$7300.00} Additional companies ( CRA 's like XXXX Equifax, XXXX  ) XXXX. FDCPA Violation No Required Notice I was never contacted about this alleged debt. Absolute Resolutions never sent the required FDCPA 809 ( a ) validation notice, nor any initial phone, email, mail or other communication. This violates FDCPA 809 ( a ) and 809 ( b ). 

XXXX. FCRA Violation Incorrect Social Security Number Experian is reporting an SSN variation that is not my Social Security Number. This violates FCRA 607 ( b ) and 611. 

XXXX. FCRA Violation XXXX Non-Mailable/non-residing addresses My report contains XXXX addresses, but only XXXX belongs to me ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as a residing and mailable address. The remaining XXXX addresses are non-residing/non-mailable. This violates FCRA 607 ( b ) due to mixed file errors. 

XXXX. Major Inconsistencies Across All XXXX  CRAs. The Absolute Resolutions tradeline contains contradictory, inaccurate data across XXXX, XXXX, and Equifax, including : A. Different Account Types XXXX  : Debt Buyer Equifax  : Debt Buyer Account XXXX : Factoring Company Account XXXX. Different Furnisher Cities XXXX  : XXXX, MN Others : XXXX, MN XXXX Conflicting date of first delinquency Equifax shows a XXXX  of XX/XX/XXXX, while other bureaus show different delinquency information. 
XXXX Impossible Date Combinations Equifax reports : Date Opened : XX/XX/XXXX XXXX  : XX/XX/XXXX ( XXXX years before account opened ) XXXX Conflicting Account Status XXXX  : Placed for Collection XXXX  : Active collection, past due Equifax : Closed collection XXXX Inconsistent Balance/Update Dates Different high balance, original balance, and update dates across bureaus violate uniform reporting requirements. 

XXXX. Mixed File Indicators Due to the wrong XXXX, XXXX inaccurate addresses, contradictory account types, mismatched dates, differing furnisher locations, and lack of any communication, this appears to be a mixed file or inaccurate data assignment prohibited under FCRA 607 ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: AXOS FINANCIAL, INC.
State: PA

Complaint narrative:
I requested my joint account be closed on XX/XX/XXXX after my divorce, attaching the divorce decree. Multiple follow-ups on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX went ignored. On XX/XX/XXXX, the bank finally acknowledged the request and said closure would occur within XXXX business days. 

Despite this, an unauthorized debit from my ex posted on XX/XX/XXXX, causing my account to go negative. I sent multiple messages on XX/XX/XXXX requesting reversal of the overdraft and confirmation that the account would be closed and no further debits would post. The bank reversed the negative balance but immediately added an overdraft fee. Follow-up messages were ignored, and no written confirmation of account closure or fee reversal has been received. This situation was entirely caused by the banks failure to act promptly on my original closure request. This account was a former joint account and I am no longer responsible for my ex-spouses charges. The delay and lack of action have caused financial harm and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I constantly receive call from different phone numbers trying to collect a debt from me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I rented a property from XXXX XXXX XXXX and made all payments from the day I entered and left the unit and left with a XXXX balance, however now its reporting on my credit profile that I owe them {$810.00} which isn't true at all. 

Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Original Amount Owed {$810.00} Amount {$810.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # Creditor Classification RENTAL_OR_LEASING Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: TX

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: IL

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-11-19 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: PA

Complaint narrative:
In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 My XXXX XXXX was close to XXXX. Since my wife 's Passing everything is been inaccurate. I looked at my experience and noticed some things on that incomplete and not accurate. According to the 15 USC 1681e b whenever a consumer reporting agency pairs a consumer report. It shall follow reasonable procedures to ashore. Maximum possible accuracy. 15 usc 1681s -2 15 usc 1681 ( a ) ( 5 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: DE

Complaint narrative:
I am extremely upset to see that unauthorized inquiries are still appearing on my credit report today, and I honestly can not understand why. Even after refreshing my browser, the unauthorized inquiry did not disappear, so I urgently need the documents I submitted to be reviewed properly so I can finally stop stressing over this.

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 2025-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I am submitting a complaint regarding a debt collection agency that has continued collection attempts without providing the legally required validation of the debt. 

I received communication regarding an alleged debt. I submitted a written debt validation request under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, and requested documentation verifying the debt, including itemized charges, original creditor information, and proof that the agency is authorized to collect. 

Despite this request, the company has not provided validation. Instead, they continued collection efforts, including additional calls, letters, and/or threats of negative credit reporting. These actions occurred on or around [ insert approximate dates ]. 

Under the FDCPA, a collector must cease collection efforts until the requested validation is provided. Continuing collection without validation violates 15 U.S.C. 1692g ( b ) and 1692e ( 8 ).

I am requesting that the CFPB require the company to : Provide full and complete validation of the alleged debt, Cease all collection activity until proper validation is supplied, and Remove any credit reporting made without validation. 

I have acted in good faith by submitting a written request, and I am only seeking compliance with federal law. I can provide documentation of my correspondence with the collector if needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: Block, Inc.
State: GA

Complaint narrative:
My account was closed abruptly without informing why no warning or evidence of why upon requesting information i was told by representatives that they dont have that information i have also appealed over 3 times for information on transactions or actions that closed my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
In XX/XX/XXXX, I entered into a XXXX service agreement with XXXX ( XXXX XXXX ) for XXXX  internet. I attempted to cancel the service within days of activation due to extremely slow speeds and poor performance. This triggered an early termination fee of {$340.00} plus a final monthly charge of {$110.00}. 

I contacted XXXX multiple times in XX/XX/XXXX ( specifically on XX/XX/XXXX, and XXXX ) requesting cancellation and waiver of the early termination fee. The company initially refused but, after I filed an FCC complaint ( Ticket # XXXX ), XXXX officially approved a full waiver of the early termination fee on XX/XX/XXXX and applied a credit that zeroed out my entire balance. Service was disconnected on XX/XX/XXXX, and XXXX written response to the FCC ( dated XX/XX/XXXX ) explicitly states : On XX/XX/XXXX XXXX approved waiving XXXX XXXX early termination fees and applied a credit to waive his balance in full. 
I have retained this letter as proof that the account was settled with a {$0.00} balance in XX/XX/XXXX. 

Beginning in XXXX ( over XXXX years after the debt was fully waived by the original creditor ), I started receiving repeated collection calls, letters, and possibly credit reporting for the exact same {$340.00} early termination fee ( sometimes with added collection fees ) that XXXX already forgave. The XXXX refuse to accept or acknowledge XXXX XXXX written confirmation that the debt was waived in full, continue to demand payment, and have harassed me with frequent calls despite my verbal disputes and requests to cease contact. 

This debt is invalid, was forgiven by the original creditor in writing, and any continued collection attempts violate the Fair Debt Collection Practices Act provisions regarding collection of non-owed debts and failure to validate after dispute. 
I am requesting that the CFPB require the collection agency to immediately cease all collection activity, delete any tradeline from my credit reports, and confirm in writing that the debt has been marked as resolved/disputed and waived by the original creditor in XXXX. I have documentation ready to provide upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you Bank of America , block information appearing on mXXXX XXXX XXXX XXXXonsumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a depository account opened at Bank of America XXXXXXXX XXXX XXXX This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my Early Warning consumer report. I do not recognize the aforementioned depository account. The aforementioned depository account, collection, and hard inquiries appearing on my XXXX XXXX XXXXonsumer report maintained by you were not opened, made, or initiated by me. Furthermore, the aforementioned depository account, collection, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my FTC Identity Theft Criminal Complaint and my XXXX XXXX XXXX XXXX XXXXo verify my correct residential address at the time of this unauthorized depository account being opened as proof from the US Federal Trade Commission that the aforementionXXXX XXXX XXXX consumer account, collection, and hard 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