vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
The company removed my auto payment, didn't notify me payment was due and then sent me a fee. I filed a complaint and the company lied responding back. The company claims I never had auto payment which is indeed a lie. I can prove it I had auto payment. 

I'll be paying off my balance, closing my account and leaving that fee there. Have fun sending collections at me over a measly fee you low life criminals.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: TX

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

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 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 2025-10-21 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: PNC Bank N.A.
State: DC

Complaint narrative:
XX/XX/year> received notice that {$10000.00} 4 month CD was only paying .02 % after it renewed. Original CD was paying 3.6 %. Written notice of maturity said that I could mail in renewal and check a box to either increase the amount in the CD or change the term. Otherwise, no action was required and CD would renew at a rate not greater than the original %. After several requests for notice that renewed CD would be at .02 % were made, no one could cite any source that a call was required or that the CD would renew at the lower rate. Staff was adamant that I was wrong and that everyone called in, but no one could explain why

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: NC

Complaint narrative:
This is my final notice. You have been repeatedly notified of the fraudulent accounts and unauthorized inquiries on my credit file, and you have failed to act. I am the consumer, and this letter is being sent directly by me. Do not insult my intelligence with another form letter or template response. Every day you delay is another day you are knowingly violating federal law. 


You now have official proof of identity theft in your possession. Continuing to report these fraudulent items after receiving that documentation is no longer a mistake it is willful noncompliance and will be treated as such. 


You Are in Direct Violation of Federal Law : 15 U.S.C. 1681b ( c ) You can not furnish or retain inquiries on my credit file for transactions I never authorized. Each unauthorized inquiry still showing is an independent violation. 


15 U.S.C. 1681c2 You are required to block identity theftrelated information within 4 business days once provided proper documentation. You have already received my FTC Identity Theft Report, government ID, Social Security card, and proof of address. Your failure to act is blatant noncompliance.

18 U.S.C. 1028A ( Aggravated Identity Theft ) By continuing to report fraudulent data, you are knowingly enabling identity theft. This statute is criminal in nature.

15 U.S.C. 1681i ( a ) You must reinvestigate disputed items. If you can not produce verifiable proof that I authorized these accounts or inquiries, you are legally obligated to delete them immediately.

FCRA 616 & 617 Your continued inaction opens you to civil liability, including statutory damages, punitive damages, and attorneys fees.

Fraudulent Accounts and Inquiries ( Already Documented ) : 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  These are identity theft items not mine, not authorized, not valid. Every additional day they remain on my report causes ongoing harm to my credit, finances, and legal rights.

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 2025-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P.
State: DC

Complaint narrative:
I, have formally requested that LVNV Funding provide the original purchase agreement for this account. To date, LVNV Funding has failed to provide the requested documentation. 
As a result, I submitted a Cease and Desist letter instructing LVNV Funding to halt all collection activities until they could produce the original purchase agreement. Despite this formal request, LVNV Funding has continued to contact me in an attempt to collect this alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I am requesting a goodwill adjustment from Wells Fargo for three late payments reported in 2025 across two auto loans. 

During that period, I was undergoing XXXX XXXX treatment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 

Despite these XXXX  challenges, I continued making payments and never defaulted or had a vehicle repossessed. Wells Fargos reporting of these payments as late does not reflect my overall payment history or financial responsibility. 

I have contacted Wells Fargos Executive Office with supporting documentation ( XXXX  letter and proof of payments ) but have not received a resolution. I am seeking the removal or re-aging of the three late payments under goodwill and XXXX  hardship considerations. 

I am requesting that the CFPB ensure Wells Fargo conducts a fair and expedited review of this matter in accordance with the FCRA and Equal Credit Opportunity 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 2025-10-21 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bounce AI, Inc.
State: IL

Complaint narrative:
Bounce AI, is a company that I have any knowledge of doing any business with and I have no knowledge of how the company received my information to put negative comments towards my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I filed a dispute with Venmo for a {$1400.00} unauthorized transaction sent to XXXX XXXX on XX/XX/year> ( Case ID : XXXX ). Venmo confirmed the transaction was classified as unauthorized but still denied my claim, stating it was consistent with my payment history. I did not authorize or recognize this payment. 

I requested Venmos documentation of the investigation, including device and IP logs, internal notes, and transaction data, but they have not provided it. Im requesting a full re-investigation and reimbursement under Venmos Unauthorized Transaction Protection policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I previously submitted a complaint through the CFPB in XX/XX/year> regarding a collection account reported by XXXX XXXX XXXX. The company responded that the account was under Active Dispute, but since then, no resolution has been provided and the collection remains on my credit report. 

I have made several attempts to contact XXXX XXXX XXXX directly to request validation of the alleged debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, but they have not responded or provided any documentation proving that this debt is legitimate or that I am responsible for it. 

Because the company has failed to validate the debt and continues to report this unverified account, this constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which prohibits furnishing inaccurate or unverifiable information to the credit bureaus. 

I am requesting that the CFPB require XXXX XXXX XXXX and the credit bureaus to immediately delete this account from my credit report, as it remains unverified and is negatively impacting my credit profile. 

Thank you for your attention and assistance in resolving 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 2025-10-21 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: NC

Complaint narrative:
I previously submitted a complaint through the CFPB in XX/XX/year> regarding a collection account reported by XXXX XXXX XXXX. The company responded that the account was under Active Dispute, but since then, no resolution has been provided and the collection remains on my credit report. 

I have made several attempts to contact XXXX XXXX XXXX directly to request validation of the alleged debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, but they have not responded or provided any documentation proving that this debt is legitimate or that I am responsible for it. 

Because the company has failed to validate the debt and continues to report this unverified account, this constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which prohibits furnishing inaccurate or unverifiable information to the credit bureaus. 

I am requesting that the CFPB require XXXX XXXX XXXX and the credit bureaus to immediately delete this account from my credit report, as it remains unverified and is negatively impacting my credit profile. 

Thank you for your attention and assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: WI

Complaint narrative:
Since XXXX of XXXX I have attempted to resolve the delay in processing of my XXXX form through federal student aid. I have called over XXXX times and each time I get a different response as to why my paperwork can't be processed. Multiple times I have been told me paper work is correctly filled out and someone should process it. The XXXX case numbers XXXX and XXXX are conversations I had with people ensuring me that this was going to get taken care. The most common excuse I get as to why it can't be processed is " they are backed up '' However my most recent uploaded document I did on XX/XX/XXXX was cancelled by XX/XX/XXXX saying my employer did not sign it. When opening the document you can clearly see that it was signed by my employer. I have been in this program for 10 years and XXXX marked my XXXX payment in which I should be able to apply for loan forgiveness as I have worked in public service as an XXXX for the past 10 years at a non profit. I am told despite my loans that should no longer exist after XXXX come XX/XX/XXXX I will have to start making payments again until the paperwork is processed. I was told this can take up to 14 months. So that is 14 months I will be paying on loans that should not be there.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-21 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: IL

Complaint narrative:
I am raising this dispute because unauthorized and inaccurate accounts have been added to my credit report without my consent. I did not open or authorize these accounts, and I never received any notice of their addition. The fact that these accounts are being reported differently by each bureau is deeply concerning and violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires that consumer reports be accurate and reliable. 

This also breaches 15 U.S.C. 1681i, which requires that disputed items be investigated and corrected or deleted within 30 days, and 15 U.S.C. 1681g, which grants consumers the right to complete and accurate disclosures of their credit data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Dear CFPB Representative, I am filing this formal complaint under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) concerning inaccurate and misleading reporting by one or more data furnishers and/or credit reporting agencies. 

Several of my closed and paid accounts are being reported inaccurately on my credit file. These accounts continue to include the remark Account previously in dispute investigation complete, reported by data furnisher, and/or are shown as Closed at credit grantors request, even though all were paid in full, closed in good standing, and never delinquent. 

This inaccurate reporting creates a misleading impression of my credit history and negatively affects my credit standing. 

The following accounts are in question : XXXXXXXX XXXX Account Type : Secured Loan Date Opened : XX/XX/year> Original Balance : {$510.00} Status : Paid, Closed/Never Late Issue : Still reported with dispute notation and Closed at credit grantors request. 

XXXX XXXX Account Type : Revolving Credit Account Status : Paid and Closed in Good Standing Issue : Continues to reflect a dispute remark and/or Closed at credit grantors request, despite being current and accurate. 

XXXX XXXX Account Type : Installment Loan Status : Paid and Closed/Never Late Issue : Listed as previously in dispute and closed by grantor, which is inaccurate. 

I have previously disputed these items directly with the credit bureaus ( Experian, Equifax, and TransUnion ). While investigations were marked as complete, the inaccurate remarks remain. These outdated or misleading designations harm my creditworthiness and violate the FCRA 607 ( B ) and 611, which require consumer reporting agencies and furnishers to ensure maximum possible accuracy. 

I am requesting that the CFPB : Investigate the data furnishers ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and the credit reporting agencies responsible for this inaccurate reporting. 

Require removal of all inaccurate dispute, investigation complete, and closed at credit grantors request remarks that no longer apply to these closed, paid accounts. 

Ensure the credit bureaus update my files with accurate and verified information. 

Provide written confirmation of corrective actions and updated reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: MI

Complaint narrative:
Dear CFPB Representative, I am filing this formal complaint under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) concerning inaccurate and misleading reporting by one or more data furnishers and/or credit reporting agencies. 

Several of my closed and paid accounts are being reported inaccurately on my credit file. These accounts continue to include the remark Account previously in dispute investigation complete, reported by data furnisher, and/or are shown as Closed at credit grantors request, even though all were paid in full, closed in good standing, and never delinquent. 

This inaccurate reporting creates a misleading impression of my credit history and negatively affects my credit standing. 

The following accounts are in question : XXXXXXXX XXXX Account Type : Secured Loan Date Opened : XX/XX/year> Original Balance : {$510.00} Status : Paid, Closed/Never Late Issue : Still reported with dispute notation and Closed at credit grantors request. 

XXXX XXXX Account Type : Revolving Credit Account Status : Paid and Closed in Good Standing Issue : Continues to reflect a dispute remark and/or Closed at credit grantors request, despite being current and accurate. 

XXXX XXXX Account Type : Installment Loan Status : Paid and Closed/Never Late Issue : Listed as previously in dispute and closed by grantor, which is inaccurate. 

I have previously disputed these items directly with the credit bureaus ( Experian, Equifax, and TransUnion ). While investigations were marked as complete, the inaccurate remarks remain. These outdated or misleading designations harm my creditworthiness and violate the FCRA 607 ( B ) and 611, which require consumer reporting agencies and furnishers to ensure maximum possible accuracy. 

I am requesting that the CFPB : Investigate the data furnishers ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and the credit reporting agencies responsible for this inaccurate reporting. 

Require removal of all inaccurate dispute, investigation complete, and closed at credit grantors request remarks that no longer apply to these closed, paid accounts. 

Ensure the credit bureaus update my files with accurate and verified information. 

Provide written confirmation of corrective actions and updated reports.

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