vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I have discovered a collection entry from your agency appearing on my credit report without any prior notification or communication regarding this alleged debt. This unexpected collection listing raises serious concerns about its accuracy and validity, as I have no record of being properly notified about this matter or given the opportunity to address it directly. Under the Fair Debt Collection Practices Act, I have the legal right to request complete validation of this debt, including verification of the original creditor, account details, and the amount claimed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: CO

Complaint narrative:
As someone who consistently adheres to payment schedules, I was surprised to discover a late payment notation on my account. This appears to be an error, and I would appreciate your prompt attention to rectify it and update my records accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am filing this complaint regarding the closure of my Wells Fargo credit card account ( ending in XXXX ). 

On XX/XX/year>, Wells Fargo closed my account citing a business decision and later implied suspicious payments as a factor. I dispute this characterization and believe the closure was handled unfairly. 

Here are the key facts : Two scheduled payments from my bank did not go through due to a transfer issue. ( Payment XXXX on XX/XX/year> for {$14000.00} and XXXX XXXX on XX/XX/year> for {$12000.00} ). These were not fraudulent or suspicious in nature, but simply the result of a transfer error. 

On XX/XX/year>, I called Wells Fargo customer service and was told the payments were still pending and that I should wait until their system updated. I was advised this should resolve within 24 hours. 

On XX/XX/year>, I called again and was given the same guidance : the payments were pending and I should wait for the system to update. 

I relied on these instructions and was not given the opportunity to take corrective action before the account was closed on XX/XX/year>. 

Once I became aware of the issue, I immediately corrected it and made a payment of {$17000.00} on XX/XX/year> well before the XX/XX/year> due date shown on my XX/XX/year> statement ( attached ). 

Despite my good faith actions, Wells Fargo closed the account without allowing me a reasonable chance to comply with their own instructions. 

Additionally, at the time of closure, my earned rewards balance was approximately {$3000.00} ( my XX/XX/XXXX statement showed {$2700.00}, and subsequent purchases would have increased this balance ). Wells Fargo has indicated these rewards will not be reinstated or paid out, effectively stripping me of earned value.

I believe Wells Fargos actions were unfair for the following reasons : The closure was based on a mischaracterization of routine transfer errors as suspicious payments.

I was penalized despite following Wells Fargos own instructions in good faith.

The forfeiture of approximately {$3000.00} in earned rewards represents Wells Fargo retaining value that I rightfully earned, which I believe is inconsistent with consumer protection standards.

I am requesting that Wells Fargo : Provide a full explanation of the account closure. 

Correct its inaccurate designation of suspicious payments. 

Reinstate or pay out my earned rewards balance of approximately {$3000.00}.

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 2025-08-22 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. XXXX XXXX XXXX. 
XXXX ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$180.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$160.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against Wells Fargo Bank , N.A . regarding repeated, systemic misrepresentation of my account balances and improper application of overdraft/negative balance practices. 
Summary of the problem : - I deposit my paycheck and see the balance posted and available. 
- I make debit card purchases or transfers only when my account shows a positive available balance. 
- Days later, Wells Fargo reorders transactions or changes posting dates, making it appear that my account was negative on days when it was not. 
- This results in improper overdraft activity and negative balances despite the fact that I did not spend beyond my available funds. 
- I have not opted into debit card overdraft coverage and therefore should not be charged or placed into negative balances in this manner. 
This conduct raises the following concerns : XXXX. It appears Wells Fargo is engaging in deceptive or unfair practices regarding transaction posting and balance misrepresentation. 
XXXX. This practice has been the subject of past regulatory enforcement against Wells Fargo, yet it continues. 
XXXX. These practices are causing financial harm and instability to my account, which is unacceptable. 
To date I have contacted WF directly by phone XX/XX/XXXX & XX/XX/XXXX @ ( XXXX ) with no resolution. I emailed ( XXXX & XXXX & XXXX ) XX/XX/XXXX and I am also filing an OCC complaint as well as a CFPB complaint today XX/XX/XXXX. 
The disputed transactions dates and amounts are simply too many to list here, however I will include the most recent : XX/XX/XXXX {$61.00} ( not accurate available balance ), XX/XX/XXXX - {$140.00}, XX/XX/XXXX - {$30.00}, XX/XX/XXXX - {$220.00}, XX/XX/XXXX - {$180.00}, XX/XX/XXXX - {$53.00}, XX/XX/XXXX - {$170.00}, XX/XX/XXXX - {$380.00}, XX/XX/XXXX - {$50.00}, XX/XX/XXXX - {$24.00}, XX/XX/XXXX - {$260.00}, XX/XX/XXXX - {$140.00}, XX/XX/XXXX - {$130.00}, XX/XX/XXXX - {$64.00}, XX/XX/XXXX - {$75.00}, XX/XX/XXXX - {$310.00}, XX/XX/XXXX - {$380.00}, XX/XX/XXXX - {$1.00}, XX/XX/XXXX - {$92.00}, XX/XX/XXXX - {$43.00}, XX/XX/XXXX - {$1.00}, XX/XX/XXXX - {$370.00}, XX/XX/XXXX - {$290.00}, XX/XX/XXXX - {$1.00}, XX/XX/XXXX - {$2.00}. 
Please investigate, thank you.

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 2025-08-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally disputing a fraudulent account listed under my credit profile. I have never authorized, opened, or maintained this account. Its inclusion is false, misleading, and damaging to my credit record. The reporting of this account is negatively impacting my financial opportunities and must be corrected 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 explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I recently opened a Savings Account with Openbank in XXXX. I loaded {$500.00} in the account. I then transferred {$75000.00} into the account on XX/XX/XXXX from my BofA account. I have tried to move the money out of the account shortly after ( XX/XX/01 ) into another external Savings Account at XXXX XXXX. The transaction was canceled and the account has been blocked as a result of the transfer attempt. 

The XXXX agent said that it was blocked because it was a large transfer into an unknown external account. I have not received any communication on the block or why it was blocked. I only received the information from XXXX out of XXXX XXXX agents that I contacted. 

There is nothing in Openbank policies about frequency of transfers, size of transfer ( limits ), or external account transfers. The other issue is there is no method to discuss the block or fix the issue with anyone at Openbank. The XXXX agents refer to a " back office '' that is doing the review and will get back to me in 90 days. 

Meanwhile, I have no access to my account funds. There was no issue when I transferred $ XXXX into the account but there is a flag when I try to take it out? The reason I wanted to move it because it did not seem like a reputable account. I saw the high APY and took a risk and now I can not access the account or move the funds out ( and am still accruing interest, which is odd ). 

My resolution would be, since they already cancelled the transfer out, would be to transfer funds to the approved XXXX account that funds originally came from. I could do it in increments, if need be. I could do it on a schedule, if need be. I should not have to because there is nothing in their terms and conditions that say I should. But to resolve the issue I would be open to some kind of transfer plan.

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-08-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter serves as a formal dispute regarding a fraudulent account reported under my name. I have no association with this account and never authorized its creation or use. Its reporting is misleading, false, and significantly damaging to my credit profile and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: RELIANCE FIRST CAPITAL LLC
State: DE

Complaint narrative:
I placed an inconvenient time to call on my account with reliance mortgage. I advised them in XX/XX/XXXX to not contact me prior to XXXX XXXX  that the can only contact me after XXXX due a medical condition. XXXX XXXX countries to not adhere to my request despite advising them on every call that they are not supposed to be calling me before XXXX XXXX. in addition I applied for a modification in XX/XX/XXXX requesting my mortgage payment and interest be lowered due to medical expenses and loss of income. XXXX did not lower my payments but instead increased them and placed me on a XXXX  month work out program which I advised I did not want. They continued to call me to collect during the process of the modification and was advised by the loss mitigation department it was a mistake they called and they shouldnt be calling me but this do tied to happen. I also advised they were in violation of the XXXX rule and they still continue to not adhere to my request. Lastly. I requested the PMI to be removed since the loan to debt ratio is over 80 % equity. My loan never should of had a PMI when I gave 80 % equity in my property. They have lost paperwork causing my loan to go further past due and the modification. Process to be extended. They maliciously did not advise me of all my options per the supervisor on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
Thursday XX/XX/year> : Upon arrival at work yesterday ( XXXX XXXX-ish? ) I received notifications from XXXX of my credit monitoring companies. XXXX of which is my XXXX XXXX XXXX. While I was driving to work, there was apparently a " Hard hit '' on my credit and a new account added, a Milestone CC. Very soon after, I received an email thanking me for verifying the account ending in XXXX? The email was clever but very suspicious with a link attached and I did not open it. I chatted with XXXX  online and the regular Milestone inquiry is there... Today ( XXXX ) at XXXX XXXX  eastern time, I called the Milestone phone number on the Transunion site to disqualify this account that I never contacted or applied for .. XXXX. The line is fully automated and asks for the last XXXX of your social, upon entering those numbers the voice thanks you for verifying your new account and to hold. Then, the voice tells you that this is an attempt to collect a debt etc. I do not know what debt this is in reference to, nor did I apply for this Credit card. I have also submitted this to my attorney and a good friend in law enforcement. I do know for a fact that all of this is illegal... this needs to be settled and removed from my credit asap. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXXXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$900.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally disputing a fraudulent account listed under my credit profile. I have never authorized, opened, or maintained this account. Its inclusion is false, misleading, and damaging to my credit record. The reporting of this account is negatively impacting my financial opportunities and must be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
Local bank XXXX in XXXX, Maryland. Denied me to open up a savings account because early warning consumer stated that I had an account open with XXXX XXXX in Texas. Routing number. XXXX and # XXXX. Early warnings is stating that I owe a balance of {$4.00}. I have never opened this account. And I need evidence and proof by Social Security number or hand signature that this acct was open in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Formal Complaint Against Capital One Mishandling of Fraud Investigation and Denial of Access to Verified Funds On XX/XX/year>, I was the victim of a fraudulent check scam. I reported the incident to Capital One within 48 hours. In response, my account was locked pending investigation. Since then, Ive made repeated attempts to obtain updatesoften waiting over an hour on holdonly to receive no meaningful information. When I finally reached someone connected to the investigation team, they refused to proceed due to an issue with my identification.

This refusal is unjustified. I had previously verified my identity using my drivers license without issue. My license was recently revoked due to unrelated legal circumstances ; I offered other forms of identification including my birth certification, social security card, etc. Despite this, I was denied service in resolving this matter entirely.

The bank does not have a physical branch in Minnesota, leaving me with no option but to communicate by phone. Their policy of accepting only a valid drivers license or passport excludes customers who may not possess those forms of ID, effectively denying access to verified funds. I currently have deposits from legitimate sources that I can not access, causing financial hardship and emotional distress.

I am requesting that the CFPB investigate this matter and assist in compelling Capital One to accept reasonable forms of identification, release my verified funds, and provide a clear resolution to the original fraud report. I am prepared to provide documentation supporting my claims. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
RENTRECOVERYSOLUTIONS is falsely reporting on my credit. I have never had any accounts with them. Per my research RENTRECOVERYSOLUTIONS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation