vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: TX

Complaint narrative:
XXXX XXXX - Opened a new checking account with Schwab XX/XX/XXXX XXXX Started using direct deposit to deposit my salary into account ( XXXX biweekly ) XX/XX/XXXX - I move into a new house, and need to pay the security deposit and first month rent through XXXX ( {$3400.00} ). XXXX limit is {$1000.00} a day, so I sent {$1000.00} on XXXX and XXXX through another bank account ( XXXX XXXX ) XX/XX/XXXX - Noticed that XXXX is not allowing me to send another {$1000.00} Called Schwab. From the XXXX : " XXXX has flagged the transaction as fraud. I will send them an email to see if it can be resolved, check back tomorrow ( XXXX ) to see if you can send the money. '' XX/XX/XXXX : Account is blocked, I am unable to access anything XX/XX/XXXX : Called Schwab to see what the problem is, they say that my whole account is locked under investigation for fraud. From Agent : " Fax in a copy of your pay stub and your ID to our fraud team, they will look at it and resolve the issue. '' XX/XX/XXXX : I fax over the requested documents and call Schwab. They tell me that the documents have been received and to wait until Monday when the fraud department gets in. 
XX/XX/XXXX : I call them again, same response as on XXXX XXXX : I call again, tell them that I have bills to pay ( credit cards, student loans ). They say : " The fraud department will review the documents and my account should be unlocked later that week. '' the agent said they emailed the fraud department to get a faster response XX/XX/XXXX : I call them, complain about the same thing. The agent says there is nothing they can do, they email the fraud team, but they say that they are still working on it. 

Note : from every call XXXX and on, I ask if there is anything I can do to speed this up, and Schwab tells me there is not. I offer to send more documents, but they say I don't need to. 

While this has been happening, I have had missed multiple credit card payments ( {$700.00} ) and ( {$2000.00} ), as well as student loan repayments. I have had my direct deposit bounce from my salary. I have late fees on my credit card I need to pay, and my student loan servicer is calling asking about payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I am disputing an alleged debt that LVNV Funding is reporting to the credit bureaus. I have never received proper validation of this debt, despite requesting it. I believe their reporting is inaccurate and misleading. 

On XX/XX/year>, I sent a cease-and-desist letter under the Fair Debt Collection Practices Act ( FDCPA ) demanding that LVNV Funding stop all communication with me, including furnishing information to credit reporting agencies. Credit reporting is considered a form of communication under the FDCPA, and continuing to report after receiving this notice is a violation of my rights.

I am requesting that LVNV Funding : Stop all communication with me.

Delete all credit reporting related to this alleged debt. 
Provide proper validation of the debt if they believe it is accurate and collectible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: CA

Complaint narrative:
I AM DEMANDING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS ON MY CREDIT REPORT, AS THEY WERE NEVER AUTHORIZED AND THEIR CONTINUED REPORTING IS A CLEAR VIOLATION OF MY FEDERALLY PROTECTED RIGHTS UNDER THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681I ). DESPITE MONTHS OF DISPUTES AND THE SUBMISSION OF AN FTC IDENTITY THEFT REPORT, THESE FALSE ENTRIES REMAIN, WHICH IS UNLAWFUL. ENCLOSED IS AN INVOICE FOR {$1000.00} FOR THIS VIOLATION, AND IF NOT RESOLVED IMMEDIATELY, I WILL FILE SUIT IN SMALL CLAIMS COURT IN MY CITY AND STATE TO RECOVER DAMAGES. BE ADVISED THAT LATE FEES OF {$1000.00} PER DAY WILL ACCRUE FOR EACH DAY PAYMENT IS DELAYED. I EXPECT IMMEDIATE CORRECTIVE ACTION AND PERMANENT DELETION OF THESE ACCOUNTS WITHOUT FURTHER DELAY.

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 2025-09-17 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: CA

Complaint narrative:
I AM DEMANDING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS ON MY CREDIT REPORT, AS THEY WERE NEVER AUTHORIZED AND THEIR CONTINUED REPORTING IS A CLEAR VIOLATION OF MY FEDERALLY PROTECTED RIGHTS UNDER THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681I ). DESPITE MONTHS OF DISPUTES AND THE SUBMISSION OF AN FTC IDENTITY THEFT REPORT, THESE FALSE ENTRIES REMAIN, WHICH IS UNLAWFUL. ENCLOSED IS AN INVOICE FOR {$1000.00} FOR THIS VIOLATION, AND IF NOT RESOLVED IMMEDIATELY, I WILL FILE SUIT IN SMALL CLAIMS COURT IN MY CITY AND STATE TO RECOVER DAMAGES. BE ADVISED THAT LATE FEES OF {$1000.00} PER DAY WILL ACCRUE FOR EACH DAY PAYMENT IS DELAYED. I EXPECT IMMEDIATE CORRECTIVE ACTION AND PERMANENT DELETION OF THESE ACCOUNTS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Firstsource Business Process Services, LLC
State: OR

Complaint narrative:
What Happened On XX/XX/year>, I received an unsolicited email from First Source Advantage regarding a collection account for {$26.00} allegedly owed by me. I have never opened, authorized, or agreed to any account or contract with First Source Advantage or the original creditor. This is an instance of identity theft and a debt that does not belong to me.

Despite having no relationship with First Source Advantage, they contacted me to collect this debt, which is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) if they report or attempt to collect without proper verification. 

I am a documented victim of identity theft and have filed the following reports and complaints : FTC Identity Theft Report : XXXX Police Report : XXXX DOJ/State Attorney General Complaint

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: CA

Complaint narrative:
I am disputing alleged late payments reported by XXXX XXXX to Experian, XXXX XXXX XXXX These accounts are also showing variations of XXXX negative months and multiple late payments across the XXXX credit bureaus, dating back several years ( as reflected in my XXXX  reports ), which inflates the negative history and constitutes inaccurate reporting. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), furnishers may not report information they know or should know is inaccurate. 

The payments in question are marked as late, but XXXX has not complied with the legal requirements for reporting under FCRA ( 15 U.S.C. 1681 et seq. ).

Under 15 U.S.C. 1681, the term consumer report does not include information regarding transactions or experiences between a consumer and the person making the report. Therefore, any transactions or experiences between myself and XXXX that are inaccurately represented should not appear on my consumer report. 

I demand a full investigation and the immediate removal of these accounts from all credit reports due to these violations and XXXX failure to follow lawful procedures.

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 2025-09-17 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 writing to formally notify you that I am a victim of the recent data breach, and I am requesting that all accounts related to my personal information be blocked and deleted in accordance with 15 USC 1681c-2 ( a ), as outlined under the Fair Credit Reporting Act.

Due to the breach, my personal data may have been exposed, and I am concerned about potential misuse of this information. Therefore, I respectfully request that you : 1. Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$760.00} Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$2700.00} Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$0.00} INQUIRIES : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I recently had a very disappointing experience with my trade-in. I traded in XXXX cars, but unfortunately, the deal did not go through. When I received both of my cars back, they were not in the same condition as when I traded them in. 
Specifically, I noticed that the window tint had been peeled off, the windows are now scratched, and my license plates are missing from XXXX of the vehicles. This lack of care is unacceptable. If the dealership knew that the deal hadn't gone through, they should not have made any changes to my cars. 
I expected better communication and handling of my vehicles. I hope this issue can be addressed, as it has left me very dissatisfied with the service I received Sincerely XXXXXXXX XXXX XXXX XXXX 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 2025-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is a formal dispute regarding the inaccurate and unauthorized reporting of accounts on my credit file. I did not open or approve these accounts, and I was never informed of their addition. The fact that the information reported varies between the credit bureaus further proves its inaccuracy. This violates 15 U.S.C. 1681e ( b ) of the FCRA, which requires the credit bureaus to ensure maximum accuracy of consumer information.

It also violates 15 U.S.C. 1681i, which obligates credit bureaus to investigate disputed items within 30 days, and 15 U.S.C. 1681g, which entitles consumers to complete and accurate disclosure of their records.

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 2025-09-17 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: PA

Complaint narrative:
I discovered multiple inaccurate, unauthorized, and unverifiable items reporting on my credit file. These include : Incorrect personal information : My name, addresses, and employer history are being reported with variations that do not belong to me. The only correct name is XXXXXXXX XXXX XXXXXXXX XXXX XXXX and the only correct current address is XXXX XXXX XXXX, XXXX XXXX, PA XXXX. 

Inaccurate and unverifiable accounts : Several accounts are listed that are not mine or are misreported. These include accounts showing late payments and derogatory status that I did not authorize or agree to. 

Unauthorized hard inquiries : My report shows multiple inquiries from companies I never applied with, including XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX, and XXXXXXXX XXXX XXXX These were made without my knowledge or consent and violate FCRA 604 and 609 ( a ).

Late payments inaccurately reported : My credit report shows late payments that are incorrect and must be corrected or removed under the Fair Credit Billing Act, 15 U.S.C. 1666.

I did not authorize these accounts, inquiries, or derogatory information. This is damaging my credit standing and is a clear case of identity theft and inaccurate reporting.

I am requesting a full reinvestigation of my credit file under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and deletion of all inaccurate, unverifiable, or unauthorized information.

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 2025-09-17 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: IA

Complaint narrative:
Ive noticed multiple inaccurate accounts reporting to my credit file

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 2025-09-17 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: IA

Complaint narrative:
Ive noticed multiple inaccurate accounts reporting to my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing the fraudulent accounts that have been wrongfully placed on my credit report. These accounts are not mine, were never authorized by me, and represent false information that has caused significant harm to my credit standing. Their reporting is misleading, damaging, and can not remain on my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Subject : Wells Fargo Reporting Inconsistencies Across Bureaus Body : I dispute the Wells Fargo account [ insert account number ]. The account reports different payment histories and balances across the bureaus. This violates FCRA 607 ( b ) and 623 ( a ) ( 3 ). Wells Fargo has not produced original contracts or payment verification. Under 611 ( a ), unverifiable accounts must be deleted.

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 2025-09-17 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$7900.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-17 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Conduent Incorporated
State: TN

Complaint narrative:
This card is being declined at multiple locations for " exceeding daily limit '' when it has not been used for months. I waited for XXXX hours and XXXX minutes for a customer service representative on XX/XX/year>, starting at XXXX XXXX EST. The representative tried to blame the banks and grocery stores where I had tried my card. Then, it was said that it was the card and that it needed to be replaced. It was declined for " exceeding daily limit '' at XXXXXXXX XXXX  EST at XXXX XXXX XXXXXXXX ATM, at a different XXXX XXXX XXXX ATM at XXXXXXXX XXXX EST, XXXX XXXX XXXX at XXXXXXXX XXXX  EST, and XXXX ATM at XXXX XXXX EST. On XX/XX/year> it was declined trying to transfer through XXXX for the same reason, and refused to allow a transfer to my bank through their app or website. I have tried to transfer to my bank many times over the past 3 years and it gives the reason it can not complete the transfer stating " Due to Account Status ''. They charged me {$5.00} for a replacement card that is clearly their system and not my fault for damaging the card. 

I have had issues trying to obtain the child support from this card since it was issued. I rarely get child support, so the card is rarely used. The chip has never worked ; no POS has been able to read the chip at any POS machine, it has declined purchase with and without cash back, although the card had not been used in weeks or months, and has hundreds of dollars in funds. 

They also will not allow me to transfer my money to my bank through their app or their website. I have tried to do this many times, and they decline the request, saying it is unavailable " due to the status of the account ''. There is nothing wrong with the account ; it is not low on funds, and it has not met a daily limit because it will not let me access any " limit ''. 

Its deeply concerning that XXXX appears to be deliberately withholding access to funds distributed via the Way2Go carda card issued by state governments with no alternative method for recipients to receive essential payments like child support. This effectively forces individuals into a dependent relationship with XXXX, leaving them with no choice but to endure delays and technical issues. 
Widespread complaints across platforms like XXXX, XXXX, and other social media suggest this is not an isolated issue. I strongly suspect that these so-called technical problems are being exploited to generate revenue through fees, such as replacement card charges. Furthermore, it raises serious questions about whether XXXX is temporarily leveraging these held funds to inflate its balance sheet. 


This company is not acting in good faith as a steward of funds that are issued by state governments. There is no excuse with today 's technology and banking capabilities that these things should have so many issues. These processes have been perfected many times over.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX DC XXXX Subject : Complaint Regarding Unauthorized/Inaccurate Credit Inquiries Dear Consumer Financial Protection Bureau , I am writing to formally file a complaint regarding multiple unauthorized and/or inaccurate credit inquiries appearing on my credit reports. These inquiries are negatively impacting my credit profile and were not authorized by me. Details of the Issue The following inquiries were reported without my authorization : 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 ) XX/XX/XXXX XXXX XXXX ( XXXX XXXX ) Equifax XX/XX/XXXX XXXX XXXX ( XXXX separate inquiries ) 0XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX I did not provide consent for these inquiries, nor did I submit applications or have any active business relationships with these companies at the time of inquiry. Under the Fair Credit Reporting Act ( FCRA ), a consumer reporting agency may only furnish a credit report when a creditor or business has a permissible purpose and consumer authorization. These inquiries do not meet that standard. Requested Resolution I respectfully request that the CFPB : 1. Investigate and require the credit reporting agencies to remove the unauthorized inquiries listed above. 2. Provide written confirmation once the inquiries have been removed. 3. Ensure that my credit reports accurately reflect only authorized and verifiable inquiries. Supporting Documents Attached Copy of government-issued ID Proof of address ( utility bill ) Copies of credit reports highlighting the unauthorized inquiries Thank you for your prompt attention to this matter. Please contact me if additional information is needed. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation