vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 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: OH

Complaint narrative:
In XX/XX/XXXX, I entered into a new lease with XXXX XXXX for a XXXX XXXX XXXX XXXX after returning my XXXX XXXX XXXX. I was invoiced on XX/XX/XXXX, for {$2600.00} in end-of-term fees on the old lease. Between XXXX and XX/XX/XXXX, I made multiple payments totaling {$1600.00}, which were initially applied to my prior lease. 

In XX/XX/XXXX, during a phone call with XXXX XXXX, I requested that these payments be reapplied to my new lease account, as my bank statements show all were made under my new lease account number. XXXX agreed verbally, but instead of properly transferring the funds, they reclassified the old lease as delinquent and charged it off on XX/XX/XXXX. 

On XX/XX/XXXX, I attempted to pay the remaining balance of {$2100.00}, but the payment was returned due to XXXX providing an invalid routing number. I immediately repaid the full balance on XX/XX/XXXX, yet XXXX has refused to remove the charge-off or correct the derogatory credit reporting. 

I have submitted evidence of : All payment confirmations from my bank show timely payments. 

Communications and disputes filed with XXXX XXXX, Equifax, XXXX XXXX and CFPB. 

Evidence of the returned payment and the successful final payment. 

Despite filing disputes with all 3 credit bureaus and the CFPB, XXXX has continued to report a charge-off that does not reflect my payment history or intent. I am a XXXX veteran and small business owner, and this error has caused credit cards to be closed, my credit limit to be reduced, and multiple business loans to be denied, directly harming my livelihood. 

XXXX XXXX has ignored my good faith efforts and continues to damage my credit. Im asking for full removal of the inaccurate charge-off and derogatory marks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, my debit card was stolen from XXXX in XXXX Texas and shortly thereafter there were huge payments being charged to my checking account from XXXX. The first payment was {$4300.00} which was declined for insufficient funds. The next 2 payments were for {$2000.00} which went through and while one was reversed, Wells Fargo allowed the other one to post after I informed them that I did not approve of this payment. Wells Fargo sent me a text message and asked if I recognized the transaction. I replied back with the answer " no ''. I then indicated to cancel the debit card. I then called Wells Fargo and made a complaint. XXXX the XXXX, I called again asking for a provisional credit as I needed to get my medicine. I was informed that until the amount posted that they could not give me the provisional credit. On Wednesday, XX/XX/XXXX, I contacted XXXX and they informed me that the amount had been posted and that they could not reverse the payment. However, if someone from Wells Fargo had reached out to them, they could have declined the purchase of the crypto card. I then sent an email to Wells Fargo with a copy of our conversation. On Thursday, XX/XX/XXXX, the amount posted to the account. I reached out and asked for a credit, and was told that I was also under investigation and that they could not provide the credit. The manager 's name was XXXX and was very rude. I then filed a police report for the amount with the XXXX Texas police department. The police report number is XXXX As of today, XX/XX/XXXX, I still have not heard anything back from Wells Fargo regarding this issue. Wells Fargo allowed a company without my permission, to remove money. This is a violation of consumer rights under laws Electronic Funds Transfer Act ( EFTA ) and the Fair Debt Collection Practices Act ( FDCPA ) and therefore, I am filing a complaint.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: TN

Complaint narrative:
I would like to request the removal of the security freeze on my credit report to allow authorized financial institutions to access my credit history. This is necessary for the processing of my loan application, which requires a review of my creditworthiness and financial standing. Please proceed with lifting the freeze as soon as possible to ensure a smooth and timely evaluation of my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Block, Inc.
State: SC

Complaint narrative:
My card has been suspended beginning XX/XX/year> IDK why, Ive had it for years without any issues. 
I live in a motel and use XXXX XXXX XXXX XXXXo get around. Since my payroll is direct deposit, and my account suspended, they have caused my company to terminate me because I was unable to commute. Ive call every day looking for answers and get nowhere. If they tell me one more time that they understand my frustration Im going to flip tf out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Fidem Baltimore Holdings LLC
State: TN

Complaint narrative:
My credit union sent a payment for the full balance so we could cancel the card. Ignite accepted payment and funds came out of the credit union and went to Ignite but Ignite will not enter the payment and continues to charge interest. I've made a minimum of half a dozen calls, sent them copies of the cashed checks from the credit union, sent emails to their customer srrvice and they still refuse to post the payment and cancel the card. Our creditunion has attempted to work with them but Ignite refuses to talk to the credit union. If a payment isn't made they'll show it on my credit report as a late payment even though they received the check and cashed it weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: NY

Complaint narrative:
I am a consumer attempting to repair my credit. I am requesting a full reinvestigation of the following accounts and inquiries. Many of these items appear inaccurate, outdated, duplicated, unverifiable, or inconsistent across the bureaus. Any account that can not be fully verified under the FCRA must be removed. 
CHARGED-OFF ACCOUNTS 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 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 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 explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE. 
UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 
PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: PA

Complaint narrative:
RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE. 
UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 
PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY

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 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. I am not able to obtain suitable, safe housing for my child and I nor am I able to be approved to get a reliable vehicle for my child and I so I can continue to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: MI

Complaint narrative:
I am a consumer working to correct inaccuracies on my credit reports. I am disputing the accounts and inquiries listed below because they appear incorrect, inconsistent between bureaus, or unverifiable. I am requesting a full reinvestigation under the Fair Credit Reporting Act ( FCRA ). Any item that can not be verified must be removed. 
CHARGED-OFF ACCOUNTS 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

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 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
The Citibank LL Bean MasterCard provides Bean Bucks for purchases which become available when you pay off the purchases. I made {$28000.00} in purchases but after paying the card down to {$0.00} I received no Bean Bucks. 

I theorized that it is because my account briefly fell out of good standing when I had difficulty with my bank and XXXX payments failed and the card went over its limit about twice. Both times I called representatives said that it was not the case. 

When I contacted customer service in XXXX they denied that my Bean Bucks were revoked and told me I had not earned them. I told the representative that I had just paid off {$28000.00} and that all purchases earn XXXX  % at a minimum. The representative told me that they might appear next month and to wait. XXXX months have gone by and I contacted them today. The representative told me that I had not earned any and that is why they are not there. Again, I informed her that I made {$28000.00} in purchases that had not received Bean Bucks and confirmed that all purchases earn a minimum of XXXX  %. She said that is correct. I asked if {$15.00} is XXXX  % of {$28000.00} and she asked to place me on hold to see what happened to my Bean Bucks. After XXXX minutes I was disconnected. 

Today the Bean Buck balance is {$15.00} but should be about {$280.00}. Representatives have not made any statements regarding their revocation and their position is that they were never earned.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing the accuracy of the information listed below. There appear to be reporting inconsistencies across bureaus, potential mixed or duplicated accounts, and dates/balances that do not match. Please conduct a full investigation under the FCRA. 

Charged Off Accounts 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

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 2025-11-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I was told I did not cosign the lease and that it was solely in my name When I presented them with papers for a pre-approved auto loan they denied my request. They then offered their solution, but then denied to add the mileage overage to a new car for their financing. Each call was only asking me to pay for the mileage overage only first and then try to finance another loan for a new car. They refused to add the cost of the overage to a new car loan. With a down payment they denied my daughter and they denied me. I was willing to pay the overage with a monthly payment suitable to my income but was repeatedly denied. I have not yet refused any offer from them and have only asked for further assistance in paying my overage on their lease and getting another car financed. 
XXXX XXXX XXXX left message for return call. XX/XX/XXXX deadline to turn in car At XXXX, leasing was looking into car situation because of milage overage. Must pay for car if you want to to keep it There is not extended lease. I was living in TX at this time. The priced offered for the car was XXXX milage overage was included. My daughter turned the car in when scheduled. I relocated due to a medical crisis and spoke several times with XXXX finance, leasing and collection. Each department referred me to the other for assistance I had financing but XXXX would not accept it.One dealership asked for XXXX down to accept the bank financing. Letters sent to me during my transition from XXXX XXXX XXXX are on my account. Each showing what I had to pay and if I didn't what they would do. I've been unable to respond quickly

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
My current mortgage is with Newrez. They bought my home loan from XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX only had my mortgage for one month. I made a payment to them on XX/XX/year> for {$1600.00}, principal paid of {$150.00} and escrow of {$480.00} This brought my total escrow to {$2800.00}. Unfortunately, Newrez bought my loan. They took over the loan on XX/XX/year>. I have an escrow balance of {$2800.00} that was transfered over to NEWREZ. However, Newrez states my escrow balance was {$2300.00} I have not been able to get Newrez to get the correct escrow balance. I have tried for months to get them to update the escrow. I have sent over twice the Statement from XXXX XXXX XXXX showing the correct amount that was sent over to Newrez. 

In the very beginning, when everything switched to Newrez. They didn't have my XXXX payment from XXXX XXXX XXXX. It took me weeks to get it handled. They finally did the Principal adjustment ( so my principal balance was corrected ). However, the escrow balance has not been correct and I have been fighting with them ever sense. 

On XXXX, I spoke with XXXX. She told me I need to contact Loan Servicing through Fax, written correspondence, or through Newrez 's website. She said their is no number to talk with someone in that department to get this fixed. ( I bet I have called at least 10 times ). I have sent information into Newrez 's website at least twice to get this fixed, but it is still not correctly fixed.

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 2025-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
Mr. Cooper has held or supposedly sent a check for my refund after closing my account. I have called three times and they confirm my mailing address is correct but I never receive the check. I have asked for certified mail to ensure its being delivered but they refuse. It has been about 3 months and each time I need to wait 20 days to receive thousands of dollars of refund that never arrives.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-24 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: GA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of XXXX  Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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