vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year>, my husband did not receive his paycheck from his employer. He contacted the payroll department to inquire about the missing payment, and they discovered that someone had spoofed his email account and sent a fraudulent request to update his direct deposit information. 

Fortunately, the employer was able to cancel the direct deposit and reroute the funds back to the correct account. This correction was processed on XX/XX/year>, and included two paychecks : one for the missed payment and one for the regularly scheduled pay for that week. 

Between XX/XX/XXXX and XX/XX/year>, all accounts appeared to be functioning normally. However, the following week, both his personal account and our joint checking account were suddenly frozen. 

He contacted Capital One to find out why the accounts were frozen. We were told that an investigator had been assigned to the case, but no further information was provided. We were informed that once the investigation is complete, the accounts will be closed and a check for the remaining balance will be mailed to us. When I asked how long the investigation might take, the response was vagueit could take anywhere from several days to several years. 

We have not been asked to verify any transactions or provide any additional information. Capital One has not explained what triggered the freeze or what specific activity raised concerns. Communication has been severely lacking, and we currently have no access to the funds in either account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Fraudulent activity started on my Wells Fargo account and many others such as XXXX XXXX XXXX XXXX. My Wells Fargo bank account we have tried everything to keep them out but it hasn't worked last month a place called Fast loans with XXXX {$900.00} from my account fraudulently. I had the bank statements to prove it. Then on XX/XX/year> a place called XXXX XXXXXXXX deposited three bad checks fraudulent checks into my online account pretending they were me and then with XXXX the funds and now my bank account is {$400.00} overdrawn. I have had my ATM card shut down for 12 months due to fraudulent activity. I have closed my Wells Fargo account and opened a new one and I'm still having the same issues. And all I can send all of my bank statements but this is like fat {$5000.00} worth of fraudulent money stolen from me a lot of it the bank has reimbursed but a lot of it they have not. I have put a freeze on all three credit agencies and reported fraud I'm making a police report now that I saw that as a recommendation on your site. I could use any help possible with this situation please. It's not just one bank account it's all of them and my credit. Now these people are taking control of my online bankingI don't even have access most of the time because they changed my username and password. This has been XXXX  trying to stay on top of all the invoices and charges. Please help.

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 2025-06-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LD Holdings Group, LLC
State: AZ

Complaint narrative:
on XX/XX/XXXX, I attempted to make out mortgage payment but was unsuccessful. in XXXX of XXXX, we reached out to Loan Depot to let them know that we were experiencing a hardship after our XXXX XXXX XXXX son was XXXX XXXX XXXX XXXX  by a drunk driver. We made all payments within the 30 days. We applied for a forbearance, but that was not approved. We paid timely each month. I attempted to make a payment XX/XX/XXXX but the account was locked since it was in a " trial period '' status. We declined that program and agreed to pay as usual since the trial period was not beneficial to out situation. I reached out to customer service to find out the account was locked and the " hardship : team needed to remove the current status. I was told that could take up to 7 business days. I expressed my concerns with credit reporting and it went unheard. I attempted a phone payment through the automated system but was unsuccessful, finding out at a later date the account was still locked. Again, concerns were expressed for timely reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NY

Complaint narrative:
At XX/XX/XXXX and XX/XX/XXXX I paid {$100.00} but never received emailed to confirm. With confirmation for XXXX payment I received email from Nelnet saying I dont have to pay anything ( XXXX $ ). I checked my account and still showed that I pay both XXXX and XXXX. I usually get confirmation when it being paid and now I dont get them. Im not sure if my amount of payment is correct as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: CA

Complaint narrative:
My ex boyfriend used my name to apply for several accounts and then literally left me high and dry. I can not locate or find him, he just ghosted me. I didn't open these accounts, I would like these things to be taken off my credit because they are not my accounts.

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 2025-06-26 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I am writing to formally address an issue concerning the reporting of my account to the major credit reporting agencies., I entered into a loan agreement with American. A tradeline reflecting this account was added to my credit reports shortly thereafter. On XXXX XXXX XXXX, my first payment was reported to the credit bureaus. However, since that date, no subsequent payments or updated balances have been reported. This lack of accurate and complete reporting has negatively impacted my credit scores and does not reflect my current payment history or account status. The Fair Credit Reporting Act ( FCRA ) requires that information furnished to consumer reporting agencies be complete and accurate. The withholding of payment and balance histories constitutes a violation of this obligation. Accordingly, I respectfully request that American American Express was paid in full in May. Currently shows as charge off needs reflect paid after charge offimmediately update my account information with the credit reporting agencies to accurately reflect my full payment and balance history. Failure to correct this information promptly may compel me to escalate the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or pursuing further remedies available under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: MD

Complaint narrative:
I am filing this complaint to dispute several fraudulent, unauthorized, and/or outdated hard credit inquiries appearing on my credit report. These entries are harming my creditworthiness and were made without my knowledge or consent, which is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ).

Under FCRA 604 ( a ) ( 2 ) and 604 ( a ) ( 3 ), no hard inquiry may be made on a consumers credit file unless there is a permissible purpose and express written consent. I never authorized these credit checks and request full investigations and removal of the following : XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX ) Inquiry Dates : XX/XX/XXXX & XX/XX/XXXX These are over 2 years old and should be removed per FCRA 605 ( a ) ( 5 ). They are no longer relevant to current creditworthiness and should have already been deleted by the CRAs or ceased to impact my score. 

XXXX. XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I did not apply for credit with XXXX  XXXX, and no authorization was given. This appears to be a fraudulent or misattributed inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX ) Inquiry Date : XX/XX/XXXX I did not apply for a card with XXXX and had actually contacted the bank warning of mail theft before this date. The card was never activated, yet a fraudulent transaction later occurred. I request this be investigated under FCRA 611 and it is hinderingme from getting house and car. 

XXXX. XXXX Inquiry Date : XX/XX/XXXX I did not apply for credit with XXXX. This inquiry is unauthorized and appears to be fraudulent. I request documentation of consent or immediate removal. 

XXXX. XXXX XXXX XXXX XXXX ( XXXX ) Inquiry Date : XX/XX/XXXX I have no recollection of initiating a credit request on this date with XXXX XXXX. This inquiry was not authorized by me and must be treated as a potential case of identity theft. 

I am exercising my rights under : FCRA 604 Permissible purposes of credit inquiries FCRA 611 Right to dispute inaccurate information FCRA 605 ( a ) Time limits on adverse 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 explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequoia Financial Services
State: TX

Complaint narrative:
I received a letter from Seqioua Financial Services saying I owed XXXXto XXXX XXXX. I immediately called XXXX XXXX who said they would send a letter with detailed information and never did. I sent a letter to Seqioua Financial Services requesting detailed information and stating they did not include the right to dispute and address from the original company ( XXXX XXXX ). I then received a letter stating I dodnt provide my insurance information and need to pay XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: OK

Complaint narrative:
I am writing to formally dispute the collection account that Credit Collection XXXX XXXX ) is reporting to the credit bureaus regarding an alleged debt from utilities. Upon recently reviewing my credit reports, I was shocked to find this account listed. I have no knowledge or record of ever holding an account with utilities, nor have I received any prior communication from your officeincluding but not limited to a phone call, text message, email, or the Dunning notice required by the Fair Debt Collection Practices Act ( FDCPA ). This lack of notification raises serious concerns regarding the legitimacy, accuracy, and ownership of this alleged debt. This erroneous reporting has caused me significant harm, including difficulty obtaining credit and jeopardizing my pending home loan application. Under the FDCPA, I have the right to request to dispute its validity. Given that I have not received any required notice or verification as outlined under 15 U.S.C. 1692g, this collection account appears to be in violation of federal law. I am hereby requesting that you immediately remove this collection account from all consumer credit reporting agencies ( XXXX XXXX XXXX XXXX XXXX as it is unverified and disputed. Please respond to this dispute in writing within 30 days of receipt of this letter, as required by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-26 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: SC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: MI

Complaint narrative:
Debit validation:1 proof of the alleged debit its my by a signed contract between me and all person.2. Proof of a 1099-c was for these accounts 3.proof of assignment contract and chain of assignment contract.4.proof of a XXXX  report on these accounts.5.a full history of these accounts.6.all documents that you can collect in my state. All documents and items must be sent to me by mail within ten days. cease and deist all form of communication email, text, calls, Credit report beside mail thank you.again send all documents with ten days or I deemed it not valid and will not pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd.
State: KY

Complaint narrative:
In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation