vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 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: MS

Complaint narrative:
My information was exposed in the equifax data breach. I recently reviewed my credit report and noticed that these accounts do not belong to me or is listed under inaccurate personal information that also is not mine. The following accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and more. Please refer to the uploaded documents for more information!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: MS

Complaint narrative:
My information was exposed in the equifax data breach. I recently reviewed my credit report and noticed that these accounts do not belong to me or is listed under inaccurate personal information that also is not mine. The following accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and more. Please refer to the uploaded documents for more information!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: NCB Management Services Inc.
State: MD

Complaint narrative:
I am reporting inaccurate information that's reported on my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I am reporting inaccurate information that's reported on my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing this complaint to request your assistance in recovering funds and investigating a wire transfer fraud incident that occurred through my financial institution ( XXXXXXXX XXXX XXXXXXXX XXXX, CA ) and the receiving bank ( Wells Fargo ). The incident involves fraudulent redirection of a wire payment initiated in good faith and a subsequent failure on the part of the receiving bank to act appropriately by violating Know Your Customer bank protocol. The original wire transfer source document I completed at my credit union XXXX included both fraudulent provided information as well as correct information relative to the receiving bank address as well as the beneficiary name and address. Because there was conflicting, inconsistent and incorrect information all included on the wire transfer, the receiving bank would have the responsibility to flag the wire, inform the originating bank and undertaken an investigation to address XXXX  in the wire transfer instruction. The receiving bank did not take any of these actions within the initial XXXX hours elapsing from the time of wire transfer initiation ; subsequently, the receiving bank has claimed that the funds have been disbursed, funds can not be recalled, and their investigation produced no substantive result. Scammer impersonated the beneficiary XXXX  of XXXX by utilizing the name and address of the XXXX XXXX with the modification of adding an additional " i '' in the name XXXX and asked to replace XXXX 's authorized wire instructions with fraudulently updated ones. 

Wire transfer date : XX/XX/year> Wire transfer amount : {$77000.00} Wire transfer recall message date : Tuesday XX/XX/year> Wire transfer receiving bank address : bogus address, had no connection to Wells Fargo Wire transfer beneficiary name : XXXX names were provided ( XXXX XXXX XXXX fraud information ; XXXX  - correctly named beneficiary Wire transfer beneficiary address : correct address was provided for XXXX XXXX XXXX ID : XXXX XXXX XXXX Police Dept. 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 2025-10-28 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: AR

Complaint narrative:
This entry is inaccurate as it does not belong to me and was reported in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: OR

Complaint narrative:
XXXX I am filing this complaint because there is inaccurate and inconsistent information being reported across the XXXX major credit bureaus Experian, Equifax, and TransUnion in violation of the Fair Credit Reporting Act ( FCRA ) Sections 607 ( b ) and 623 ( a ) ( 1 ) ( A ).

Certain tradelines on my credit report show different account balances, payment histories, or statuses between the XXXX bureaus. This information is being reported by the same furnisher but does not match across reports, indicating a failure to maintain accuracy and consistency. 

I have disputed these inaccuracies directly with the credit bureaus and/or furnishers, but the issue has not been corrected. As a result, the inconsistent reporting is negatively affecting my XXXX XXXX and overall creditworthiness. 




-- - Details about the inaccurate information : XXXX Creditor/Furnisher Name : XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX Account Number : Type of Account : [ Credit card / Auto loan / Collection, etc. ] Problem : [ e.g., Experian and Transuion and Equifax are reporting different amounts, payment dates etc due differently which is having a negative impact on my XXXX XXXX Date you noticed the error : [ MM/DD/YYYY ] Date you disputed it ( if applicable ) : [ MM/DD/YYYY ] -- - What I want the company or bureau to do : XXXX I am requesting that the Consumer Financial Protection Bureau review this matter and require the furnisher and the credit bureaus to : XXXX. Conduct a full reinvestigation of the inconsistent tradeline ( XXXX ). 


XXXX. Provide documented verification of the correct data. 


XXXX. Delete or correct any unverifiable or inaccurate information. 


XXXX. Ensure that all XXXX  bureaus reflect the same accurate and verified information as required under the FCRA. 



I would also like confirmation once the data has been corrected and that no further inconsistent reporting occurs in the future. 




-- - > FCRA 607 ( b ) Requires credit bureaus to ensure maximum possible accuracy of information.

FCRA 623 ( a ) ( 1 ) ( A ) Prohibits furnishers from reporting information they know or should know is inaccurate.

FCRA 611 Requires a reasonable investigation of disputed information within XXXX  days.

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 2025-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: WI

Complaint narrative:
I have a vehicle loan out with XXXX XXXX and have had it since XX/XX/year>. We have fallen behind on payments due to income change. I know that when you fall behind a company will call to see why you are behind, however, this company calls XXXX times a day usually. Everyday except Sunday, and will not stop. I have asked them to stop or at least go down to a call a day but they don't.

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 2025-10-28 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: SC

Complaint narrative:
The information being reported is inaccurate, incomplete, and not properly verified as required under the Fair Credit Reporting Act. Under FCRA 607 ( b ) and 611 ( a ), furnishers and credit bureaus must ensure maximum possible accuracy and verify disputed data. Since this account and the related inquiries can not be fully verified with proper documentation or permissible purpose, I am requesting immediate deletion of all unverifiable, inaccurate, and obsolete information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: NCB Management Services Inc.
State: VA

Complaint narrative:
LEGAL NOTICE OF IMPROPER ACCOUNT REPORTING : LACK OF REQUIRED IDENTIFYING INFORMATION Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 Permissible Purpose : 15 USC 1681b ; Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) Verification : 15 USC 1681i ( 7 ) The presence of the inaccuracy due to data breaches, I will be seeking legal actions if this issue is not rectified under XXXX  XXXX and removed. I have contacted all XXXX and XXXX agencies to assist me regarding this matter. This statement is true and not misleading, and I have not authorized to the reporting of fraudulent information, nor have I received proper notice of : XXXX. NCB Management Services INC : Account XXXX XXXX  : XXXX {$13000.00} : Fraud : XX/XX/year> } I further assert that NCB Management Services INC. has failed to provide a meaningful investigation or resolution in accordance with my rights under 15 U.S.C. 1681i ( a ) ( 7 ) and 15 U.S.C. 1681i ( 5 ) ( B ) ( ii )- ( iii ). I understand that this attestation is a necessary step in asserting my legal rights. This statement is true and not misleading, my consumer rights has been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Block, Inc.
State: MA

Complaint narrative:
Ok it's the fees I was sent XXXX then purchase something for XXXX I should have money left but no nothing why I'm not just saying for this but period why taking so much money out these fees no

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

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 2025-10-28 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: CA

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

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 2025-10-28 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:
These accounts are fraudulent and do not belong to me. I request their deletion from my credit report and a complete investigation. Supporting proof is enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX billed my American Express card for a {$69.00} subscription I never agreed to or authorized. I had previously canceled any associated membership and have an email confirmation from XXXX dated XX/XX/year> confirming that the subscription was terminated. 

Despite providing that written proof of cancellation, American Express immediately closed my dispute without investigation and without requesting or reviewing the merchant contract. This is an unlawful failure to investigate a billing error under the XXXX XXXX  XXXX  XXXX. 

I specifically requested that Amex produce evidence of authorization and they refused. XXXX continued billing after cancellation, which constitutes an illegal negative-option renewal. Amex is enabling this predatory billing practice by rubber-stamping the merchants charge without due diligence. 

- I am requesting that the CFPB require American Express to : - Reopen the dispute and actually investigate - Provide the merchant authorization they relied upon - Credit the {$69.00} to my account - Block future unauthorized rebilling Amex advertises strong cardmember protection, but their current dispute handling is customer-hostile. This is part of the enshittification of consumer finance ; card issuers siding with merchants instead of consumers. I am requesting regulatory intervention to enforce XXXX compliance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/year>, I initiated a XXXX transfer of {$2000.00} from my XXXX account to a recipient using their XXXX-registered phone number. 

The XXXX transaction number is XXXX. XXXX confirmed that the payment was successfully sent and that XXXX verified delivery to the enrolled user. I also verified the full name on the XXXX profile, and it matched my intended recipients name. 

XXXX transaction number : XXXX Amount : {$2000.00} Recipient Bank XXXX Bank of America Recipient Name : XXXX XXXX XXXX 's Phone number used for transaction : XXXX Transfer method : XXXX However, my intended recipient reports that they did not receive the funds in their Bank Of America account. They are claiming their checking account ends in XXXX, but XXXX records show the funds were deposited to an account ending in XXXX, which they state is not theirs. 

I have no visibility into the destination account details or the name on the account that received the funds. Given the dollar amount and the apparent mismatch, I am concerned the payment may have been misdirected or misapplied due to a XXXX enrollment error. 

Despite multiple contacts with Bank of America, I have not received a clear explanation or trace of where my funds went. XXXX and the bank both point to each other, leaving me unable to confirm the recipient account information or recover my money. 

I request that Bank of America : Conduct a formal trace and investigation of the XXXX transaction to confirm the recipient name and destination account that received the funds. 
Determine whether the funds were misdirected due to a XXXX system or enrollment issue. 
Provide documentation or confirmation of the outcome, including the recipient accounts name ( or at least confirmation that it matches or does not match my intended recipient ). 

Advise me on next steps to recover the funds or file a fraud/misdirected payment claim. 

This situation is unacceptable for a regulated payment network, and I request CFPB assistance in ensuring Bank of America and XXXX fulfill their responsibility to provide transparency and resolution.

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 2025-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date : XX/XX/2025 To : Transworld Systems Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : Cease and Desist / Notice of No Contract and Unauthorized Collection To Whom It May Concern : This letter is a formal cease-and-desist demand regarding your attempts to collect under the above-referenced account. 

You have stated that XXXX XXXX XXXX still owns this account, yet you are attempting to collect on it as a third party. I have no existing contract, agreement, or agency relationship with Transworld Systems Inc., nor have I ever granted you authority to act on my behalf or to collect any alleged obligation. 

Because the original creditor continues to report this account and has not issued a Form 1099-C, your participation constitutes unauthorized third-party collection activity. You are hereby ordered to cease all communications, billing, and reporting, return the account to XXXX XXXX XXXX XXXX and delete any records or data related to me from your system. 

Any further contact, telephone call, letter, or electronic message from your company, agents, or affiliates will be deemed harassment and unlawful interference with private affairs. Provide written confirmation within ten ( 10 ) days that you have closed your file, removed my data, and ceased all collection efforts. 

Respectfully, All Rights Reserved UCC 1-308 Without Prejudice XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, a merchant called XXXX XXXX  ( XXXX 's XXXX  XXXX XXXX XXXX XXXX FL ) charged my American Express card {$670.00} for an annual membership auto-renewal without providing any advance notice. 
I immediately canceled the membership the same day upon discovering the charge. The merchant refuses to refund, claiming I " opened emails '' ( which is not service usage ) and stating that their website disclosed auto-renewal terms. 
The merchant 's Terms of Service contain a clause stating customers " agree not to dispute any charges, '' attempting to waive my rights under the XXXX XXXX XXXX XXXX 
I have disputed this charge with American Express. I am very thankful that the dispute is temporarily resolved in my favor, but I am concerned the merchant will contest it because of their email responses to me. I am filing this complaint to document : XXXX. No advance renewal notice was provided for a {$670.00} charge XXXX. I canceled immediately upon discovery ( same day ) XXXX. XXXX 's terms include unenforceable provisions waiving dispute rights XXXX. This appears to be a deceptive automatic renewal practice I have also filed complaints with the Florida Attorney General, FTC, and BBB. 
Merchant : XXXX XXXX ( XXXX 's XXXX  XXXX XXXX Website : XXXX  Location : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX FL XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
My family vacated the apartment due to repeated requests for the apartment complex to fix a major mold problem. XXXX, they " replaced '' the drywall, only for the mold to come through the drywall again, and then, on the XXXX  " attempt '' to remedy the situation, the complex simply left an open hole in the ceiling, allowing for the mold to propagate through the apartment much more effectively. 

I decided to break the lease due to the health hazard and refusal to properly remediate this severe XXXX  problem. 

My son has a severe XXXX  XXXX, and this refusal to correctly maintain the complex caused thousands in doctor 's appointments, and visits to the hospital. The managers of the complex staunchly refused to fix the problem, and allowed the XXXX  to continue growing with reckless abandon. 

Name of the apartment complex : XXXX XXXX XXXX  XXXX  Address of the apartment complex : XXXX XXXX XXXX, XXXX XXXX, TX XXXX Video of the leak contributing to the XXXX, and the resulting hole in the ceiling drywall that was left for weeks on end are available.

Company response to consumer: Closed with explanation