vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
To Whom It May Concern, First, I am formally requesting US Collections/XXXX XXXX no longer contact me via phone. Otherwise, I will need to file a complaint of failure to comply with this inappropriate form of communication and not acknowledging this formal notice of no longer doing so. 

Second, US CollectionsXXXX XXXX has failed to provide the correct contracts and information to validate this alleged debt. Furthermore, US CollectionsXXXX XXXX have failed to provide the chain of assignment contract and forward flow agreement to collect on this alleged debt. 

This illegitimate attempt to collect on an alleged debt is causing proven financial damages to me. I am requesting that this company immediately remove any alleged debt in collections by this entity that has failed to abide by the statutes of the Fair Debt Collection Practices Act. 

Otherwise, I will need to pursue other legal channels to recover the damages this company has caused me due to its erroneous reporting of this alleged debt to all three credit bureaus. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: MD

Complaint narrative:
This alleged debt lacks proper documentation and verification. Demand proof of : original contract, assignment documents, payment history, and compliance with state repossession laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
On XX/XX/year>, I received a {$740.00} XXXX deposit into my Wells Fargo account ending in XXXX. That same day, I made XXXX legitimate purchases {$270.00} to XXXX and {$25.00} to XXXX Visible. After those, I had well over {$400.00} available. 

I then submitted my scheduled car payment of {$400.00} to XXXX XXXX XXXX, and XXXX has confirmed they received and processed the payment on XX/XX/XXXX. 

But Wells Fargo later reversed the payment without notice and even worse, the {$400.00} does not appear anywhere in my transaction history. Its not shown as pending, posted, or returned. Its simply missing, yet XXXX confirms they received it and then had it reversed. 

XXXX also reordered several smaller transactions ( XXXX, XXXX XXXX, XXXX, XXXX ) to appear before the XXXX payment even though those charges were made after. This falsely made it seem like my balance was insufficient, when in fact, it was enough at the time XXXX pulled the funds. 

As a result, Wells Fargo reversed the payment I made in good faith, and now XXXX will charge me a late fee and will to mark my auto loan as past due through no fault of my own.

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XXXX was locked out of my credit report and the app. Because they said the phone number is different. I was unable to update the phone number and email on the automated system .. It was unable to resolve my issue, but refused to give me a human. I'm tired of these companies messing with our credit. And then hiding behind robots when you call the confront them.

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
Denied a American Express, card for not having tradelines longer than XXXX months per Experian. Experian has failed to updated my numeric credit score that the agency has violated previous, and broken breech of personal information. XXXX  has my ID, SSN, and recently sent via email stated address was updated without consent. XXXX  was well in the past deleteing accounts that was not properly verifed and I have the proof from agency that stated the accounts should be removed. However, during the past the numeric credit score was there to see along with fico. I have attached over XXXX reports that changed in 2024 while disputes. Previous complaints are proof of record, of admittance and violations. 
XX/XX/year> : report number XXXX, report # XXXX XXXX, XX/XX/year> report # XXXX, then XXXX  days later XX/XX/year> report # XXXX, then XX/XX/year> report # XXXX my credit number was gone all this was done in a retatilation of disputing the law with the agency. My tradelines that are closed have a XXXX year history and paid in good standing but agency is not providing credit. And as the secured creditor has not be acknowledge since XX/XX/year>. And by law this is settle under full faith and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: TX

Complaint narrative:
I am filing this complaint because the consumer reporting agency has included unauthorized hard inquiries on my credit report, which were not initiated by me. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ) and 15 U.S.C. 1681g ( a ) ( 5 ). These sections prohibit reporting inquiries not initiated by the consumer unless specific conditions are met, such as prior written authorization or a firm offer of credit. I did not authorize these inquiries and never provided my written consent. As such, their presence on my credit report is unlawful. The consumer reporting agency has also failed to provide evidence of permissible purpose or documentation containing my signature authorizing these inquiries.

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im reaching out to dispute an account thats currently showing on my credit report. I need you to certify, with full accuracy and confidence, that every single piece of data tied to this account actually belongs to me including but not limited to the account number, payment history, balances, dates, and all identifying details.

If you can not fully verify and certify that this account and all of the information attached to it is 100 % accurate and legitimately tied to me, then you are obligated to delete the entire account from my credit report immediately.

Let me be very clear : Im not asking whether the account looks familiar. I am demanding that you confirm that each data point reported under my name is accurate, verifiable, and truly mine. If theres even a shred of uncertainty, or if you can not produce the necessary records to validate this account as mine, it does not belong on my credit report and keeping it there would be a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

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 2025-07-23 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: Nelnet, Inc.
State: FL

Complaint narrative:
I am writing to formally notify you that I am a victim of identity theft and to request, pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c2 ( a ). 

DEPT OF EDUCATION/NELNET Open Date : XXXX Account Balance : {$2100.00} DEPT OF EDUCATION/NELNET Open Date : XXXX  Account Balance : {$4800.00} DEPT OF EDUCATION/NELNET Open Date : XXXX Account Balance : {$2700.00} DEPT OF EDUCATION/NELNET Open Date : XXXX Account Balance : {$130.00} DEPT OF EDUCATION/NELNET Open Date : XXXX  Account Balance : {$2100.00} DEPT OF EDUCATION/NELNET Open Date : XXXX  Account Balance : {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: TX

Complaint narrative:
Upon reviewing my credit report, I noticed that numerous accounts are being reported with late payments and derogatory marks that are either inaccurate, unverifiable, or conflicting across different credit bureaus. For example, certain accounts like XXXX show negative reporting with one bureau while being reported positively with others, raising serious concerns about data accuracy. In several instancesincluding accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX was never sent billing statements, delinquency notices, or verification of the alleged late payments. I was not made aware of any delinquent activity before these derogatory marks appeared on my report. Additionally, I identified multiple unauthorized or unverified hard inquiries made by companies such as XXXX XXXX XXXX, and XXXX in XXXX and XXXX, for which I never granted written consent or submitted a credit application. I have previously attempted to address some of these issues through disputes, but the reporting remains unchanged, despite a lack of supporting documentation from the creditors involved. These actions have caused undue damage to my credit profile and are in direct violation of my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: VA

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: NJ

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I have always been a little late all of a sudden my payment wasnt received it was sent back. I never knew acct as sent to foreclosure. I was told I was eligible for program Asst. Sent all docs over and over repeatedly. Several times was told so many times that was all XXXX XXXX XXXX XXXX  always something else XXXX they defrauded me always more charges hacking up. People are scammers all info was received back in XXXX. This is just a mess, too many people they are treating this way and seem To get away with it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I sent over this I, XXXX XXXX, am personally forwarding you the attached request for a corrected credit report. 
I request that the following inaccurate items be immediately investigated, because they are inaccurate. 
Name of Company Account Number Discrepancy ( XXXX XXXX ) XXXX {$30000.00} Furnishing these late fees and payments are a direct violation of my rights pursuant to 15 USC 1666b. Please notify me when the items have been deleted. You may send an updated copy of my credit report to the above address. Also, please send me names and addresses of the individuals you contacted so I may follow up.

This was sent via certified mail. I have been ignored and am hoping CFPB can contact the bureaus for me to get this debt verified or deleted.

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 2025-07-23 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: NC

Complaint narrative:
XXXX XXXXXXXX XXXX XXXXXX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX 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 accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: LA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: MI

Complaint narrative:
I have previously disputed Experian, Equifax and XXXX  regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: LA

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 XXXX XXXX XXXX. XXXX XXXX XXXX section XXXX A. States I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. XXXX XXXX. XXXX ( A ) ( XXXX ) 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 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 2025-07-23 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: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had 4 late payments on an account That I was never Late for Consuming Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) ( XXXX XXXX XXXX XXXX ). Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
We purchased a couch through Living Spaces in partnership with Synchrony Bank nearly 8 years ago. The promotion was advertised as zero-interest financing, which we understood to mean no interest as long as payments were made. We signed up for over the minimum payment monthly assuming it would be finished within those 2 years as we were told. We were never clearly told that interest would be deferred and then retroactively applied if the balance wasnt fully paid within a short window ( likely 24 months ). 

Over time, we unknowingly ended up paying thousands of dollars in interest for what was originally a {$1500.00} purchase. This was never disclosed clearly to us and feels deceptive. 

Additionally, we never received any monthly statements, notices, or phone calls regarding this account after we moved residences over 6 years ago. Synchrony continued to send billing information to our old addresseven though we no longer lived there and never received those notices. We only discovered the automatic withdrawals by chance while reviewing our bank statements. 

This lack of communication combined with retroactive charges feels predatory and unfair, and I believe it violates : The Truth in Lending Act ( TILA ) ( lack of clear disclosures on deferred interest ) The Fair Credit Billing Act ( FCBA ) ( failure to provide regular statements and notify of changes ) Im requesting : 1. A full accounting of the original terms, interest charges, and all payment history 2. A refund of improperly charged interest and fees 3. An investigation into their billing and disclosure practices

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