vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

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 2025-11-06 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit 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 2025-11-06 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: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for on purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Kashable LLC
State: CA

Complaint narrative:
I recently refinanced my loan due to Government shutdown.I havent been paid in 8 weeks because of the Government shutdown.I don't even have money to buy groceries I'm going to food pantry everyday because of the Shutdown.I am super XXXX  because of the situation.I explained to Kashable my payroll check stopped because government Shutdown.They are telling on the call that I need to figure out how to pay them when I don't even have money to buy groceries, and put gas in my car.

Clearly Kashable doesn't care people are in the XXXX and struggling trying to find food.Also Kashable didn't read the memorandum acknowledging I owe a debt. I have a Congressional letter acknowledging I'm being affected by Government shutdown.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am disputing a collection account being reported by XXXX XXXX XXXX for {$990.00} that allegedly originated from XXXX. The account was opened on or around XX/XX/year>, and is being reported as a collection on my Equifax report. I have repeatedly requested full validation and verification of this alleged debt, including documentation proving XXXX XXXX ownership and legal right to collect or report this account. To date, I have not received any supporting documentation or proof of validation. 

Despite my written disputes and requests for investigation, XXXX XXXX and Equifax have continued to report this unverifiable information, violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I have filed multiple complaints with the CFPB, FTC, and Georgia Attorney General due to their continued noncompliance and inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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:
An account is being reported under my name that I did not authorize, open, or manage. This account is fraudulent and appears to be the result of identity theft. It is completely unacceptable that such inaccurate and misleading information is being reflected on my credit report, as it misrepresents my true financial history. I take my credit integrity seriously, and this unauthorized account has caused me significant concern and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Capital one has took money out my account without my permission on two different occasions and it paid another persons bill. I have proof

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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:
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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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 2025-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The following closed accounts are inaccurate, unverifiable, or obsolete and I request they be removed from my report. Please note that the 'Closed on " dates reported in the system for some of these accounts appear unusual ( e.g., dates in the future or inconsistencies with the typical reporting period ).

Account Name Closed Date Reported Account Number ( if known, otherwise leave blank ) Reason for Dispute XXXX XXXX XXXX XX/XX/XXXX [ Account Number ] Reporting is inaccurate, incomplete, or unverifiable. 
XXXX XXXX XXXXXXXX XXXX, XXXX [ Account Number ] Reporting is inaccurate, incomplete, or unverifiable. 
XXXX XX/XX/XXXX [ Account Number ] Reporting is inaccurate, incomplete, or unverifiable. 
XXXX XX/XX/XXXX [ Account Number ] Reporting is inaccurate, incomplete, or unverifiable. 
XXXX XXXX XXXX XX/XX/XXXX [ Account Number ] Reporting is inaccurate, incomplete, or unverifiable. 
XXXX XXXX XXXX XX/XX/XXXX [ Account Number ] Reporting is inaccurate, incomplete, or unverifiable. 
XXXX XXXX XXXX XXXX XXXX XXXX  [ Account Number ] Reporting is inaccurate, incomplete, or unverifiable. 
XXXX XXXX XXXX XXXX XXXX XXXX Account Number ] Reporting is inaccurate, incomplete,

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 2025-11-06 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-06 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: AZ

Complaint narrative:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and Im requesting that it be resolved within four business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
On XX/XX/XXXX, Ally Financial Inc. XXXX XXXX XXXX XXXX filed a Form 1099-C ( Acct # XXXX ) with the IRS reporting canceled debt in my name. 

- To my knowledge, I never had an account with Ally or XXXX. 

- There is some unknown misc text that is not a valid address listed in the address field on the 1099-C.

- I sent a certified demand letter on XX/XX/XXXX and follow-ups. Ally provided only the 1099-C, which did not list a valid address no loan agreement, cancellation notice, or proof.

- Ally Executive Customer Relations acknowledged on XX/XX/XXXX but failed to respond by XX/XX/XXXX. 

I request : ( 1 ) full documentation or ( 2 ) corrected 1099-C filed with IRS showing {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am disputing a {$4800.00} deferred interest charge applied by Comenity Capital Bank after my promotional financing expired. I had been making consistent payments in good faith and was not clearly informed that interest would be retroactively applied for the entire period if the balance was not fully paid by the expiration date. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX was later closed by Comenity, limiting my ability to manage or refinance the balance before expiration. 

I paid the full principal balance ( {$2000.00} ) immediately once I realized the issue ( Confirmation number : XXXX ). I am requesting removal of all deferred interest charges and related fees. 

This charge is excessive, unfair, and financially harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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 2025-11-06 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: TN

Complaint narrative:
I am disputing a collection account that appears on my Equifax credit report, listed as being from XXXX XXXX XXXX XXXX XXXX ). I first mailed a written debt validation request to XXXX asking them to verify or provide proof of the debt. However, I later found out that Equifax had given me the wrong address for XXXX, which caused delays in my dispute process. Once I located the correct address, I mailed my letter again, but I never received any response from XXXX. I also called XXXX XXXX XXXX and was told that I am not in their system and that they have no record of any account under my name nor my social. 

Despite this, Equifax continues to report the collection on my credit file, I have proof of my mailed dispute, tracking information, the incorrect address Equifax originally provided and notes from my calls with XXXX. I am requesting that this unverified and inaccurate collection be removed from my credit report, since XXXX can not locate or verify any debt tied to me, and Equifax initially provided me with the wrong contact information for my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I have a XXXX XXXX XXXX XXXX  had it bout 4 or 5 years an loan amount haven't dropped at all still XXXX an my payments XXXX monthly from Westlake financial

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
To whom it may concern, I am submitting this complaint regarding XXXX XXXX XXXX practices related to credit card autopay options, specifically following the use of a balance transfer. Bank of America restricts autopay to only two options minimum payment or full statement balance when a balance transfer is present on the account. This prevents customers from setting a fixed recurring payment amount or paying any custom amount each month unless they manually schedule it. 

This policy effectively forces consumers to make manual payments every month if they do not wish to pay only the minimum or the full statement balance. It creates unnecessary friction for responsible borrowers who want to make consistent, fixed payments above the minimum but below the full statement balance. Additionally, this practice increases the likelihood of missed or late payments, late fees, and interest charges, despite consumers intentions and ability to pay regularly. 

In my view, this practice is unfair, as it disadvantages consumers who use balance transfer promotions a service that Bank of America actively markets yet later restricts normal payment automation options. Many other major credit card issuers allow autopay for a fixed amount even when a balance transfer is present, making Bank of Americas policy unreasonable and punitive by comparison.

I request that the CFPB review this practice and take appropriate action to ensure consumers are not forced into manual payments that could easily result in avoidable credit harm.

Thank you for your attention to this matter.

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately.

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

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 2025-11-06 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: FL

Complaint narrative:
Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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:
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