vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I was reviewing my credit report and seen a credit card account that was new with Wells Fargo Bank. I called Wells Fargo and explained this to them. They reported it as fraud. Gave me the information to report to FTC and do a XXXX  XXXX  for further protections

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 2025-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX ( debt collector ) have been collecting a supposed Medical debt that I incurred from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I have no recollection of this debt. And have contacted XXXX XXXX emergency physicians to track it down. They have no record of me incurring such debt in the amount of {$4000.00} and have no record of sending me to collections. 

I sent XXXX a letter asking for the itemized bill and they only sent me the name of the original creditor and have been telling me for the past 3 months that the itemized bill ( proof of my itemized charges ) is still pending and they will update me as soon as they have information on it. I have not gotten any updates in the past 3 months on that itemized information specifically. 

I would like this wiped off of my credit report ASAP as there is no proof of any of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX, I received a letter from National Credit Systems Inc, stating I owed a debt of XXXX. I sent a certified mail, email dispute letter to the collection agency on XX/XX/XXXX. The collection agency never responded or validated the debt. There were no civil judgments in relation to the debt and the debt was made fraudulently. 

Furthermore on XX/XX/XXXX I applied for an apartment I received a tenant screening notice that I was denied due to National Credit Systems Inc, reporting the non validated debt to XXXX  a tenant screening company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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:
15 U.S. Code 1681g requires deletion of disputed accounts within XXXX calendar days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-25 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  : # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

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

Company 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 2025-09-25 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I am filing this complaint against Ally Financial for inaccurately reporting a 30-day late payment on my auto account ( Agreement No. XXXXXXXX XXXX XXXXXXXX XXXX XXXX ). This account has been on autopay since XX/XX/2024, and I have never missed or been late on any scheduled payment. 

I contacted Ally Financial multiple times by phone and was explicitly told by a manager that the late payment was due to a computer system error on their end. I was told that Ally would reverse the 30-day late entry. Despite that, no correction has been made, and the late mark remains on my credit report.

This false entry has dropped my credit score by XXXX points, causing significant damage to my financial reputation and affecting employment-related opportunities. Ally has only updated the account status to Current but failed to remove the derogatory mark, which continues to report inaccurately.

I am requesting that the CFPB immediately investigate Ally Financials failure to meet its obligations under the Fair Credit Reporting Act ( FCRA ) and compel the company to remove the inaccurate 30-day late mark from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I SENT DISPUTE LETTER ON XX/XX/XXXX TO ALL CREDIT COMPANIES ABOUT ITEMS THATS ARE NOT MINES, THAT WAS FRAUD THE DATES ARE BELOW I CALLED IN XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX I SENT A LETTER IN XX/XX/XXXX I HIRE A COMPANY THE YEAR OF XX/XX/XXXX INTO XX/XX/XXXX TO HELP, ME DISPUTE FILES THAT WERE THERT AND FRAUD FOR XXXX, EXPERIAN, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I SENT DISPUTE LETTER ON XX/XX/XXXX TO ALL CREDIT COMPANIES ABOUT ITEMS THATS ARE NOT MINES, THAT WAS FRAUD THE DATES ARE BELOW I CALLED IN XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX I SENT A LETTER IN XX/XX/XXXX I HIRE A COMPANY THE YEAR OF XX/XX/XXXX INTO XX/XX/XXXX TO HELP, ME DISPUTE FILES THAT WERE THERT AND FRAUD FOR XXXX, EXPERIAN, 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 non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
Years ago I received notice that my account was permanently restricted and was provided no reason for that in spite of asking several times. I tried closing the account then but they said they couldnt. Now its XXXX  and I want the account with my personal information closed. They are telling me that they have to keep my social and info on file so I cant open another account with them which is fine but they simply refuse to close the account, leaving an open account that I can not access to consistently harass me with emails of transactions that companies have tried and still wont go through. I know that a closed account can still retain information that would still allow me to close XXXX  account. Employee XXXX XXXX let me know that I was not allowed to close the account although she was also clear during the call that she had no reason she was able to see. So basically although she couldnt see the actual account she told me I couldnt close it, and that I couldnt contact or be provided with office of the president information to formally close the account. I just want it closed.at this point I dont even know or care about why it was restricted, I simply want the account closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: NATIONWIDE ACCEPTANCE LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Date : XX/XX/XXXX XXXX  XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Formal Dispute of All Negative Accounts Due to XXXX  Data Breach Report Date : XX/XX/XXXX File Number : XXXX To Whom It May Concern : I am writing to dispute all negative items reported on my XXXX  credit file referenced above. 
Due to the XXXX  data breach, my personally identifiable information was compromised, making the accuracy and integrity of the reported data unreliable. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), XXXX  is required to report only information that is complete and verifiable. Because of the breach and the resulting risk of inaccurate reporting, I demand that all adverse and derogatory information be investigated and deleted if it can not be verified with absolute accuracy. 

The following accounts are specifically disputed ( but not limited to ) : XXXX XXXX XXXX ( Est. removal XXXX/XXXX ) XXXX  XXXX Bank 90 Days Past Due ( Est. removal XXXX/XXXX ) XXXX Nationwide Southeast Charge-off ( Est. removal XXXX/XXXX ) XXXX  XXXX XXXX Bank Charge-off ( Est. removal XXXX/XXXX ) XXXX XXXX XXXX XXXX XXXX ( Est. removal XXXX/XXXX ) XXXX  XXXX XXXX XXXX ( Est. removal XX/XX/XXXX ) XXXX U.S. Department of EducationXXXX XXXX XXXX Multiple XXXX  Days Past Due Student Loans ( Est. removal XXXX/XXXX ) XXXX  Because XXXX  has acknowledged a breach and can not guarantee the original creditor data has not been altered, I request complete deletion of these negative accounts unless you can provide documented proof of their accuracy. 

Please provide written confirmation of your investigation and actions within XXXX  days as required by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX [ Signature ] Date of Birth : XX/XX/XXXX SSN Last 4 : 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 2025-09-25 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:
The review fails to fairly represent my financial principles.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
There was fraudulent behavior in my account. They closed it and won't give me my money that was in the account. Im broke and cant pay any bills. Im XXXX and have many medical issues. My social security deposit goes in thee bank. I changed the direct deposit ut it doesn't go in the other bank until XXXX. Its Bank of America.

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 monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: NC

Complaint narrative:
A fraudulent collection account has been added to my credit file by Source Receivables Management for {$1800.00}, allegedly tied to a XXXX account. This is illegal and in violation of the Fair Credit Reporting Act ( FCRA ). 

Details : I am a victim of identity theft. 
The original XXXXXXXX account associated with this debt was previously investigated and removed from my credit report as fraudulent. 
Despite this, Source Receivables Management is now reporting the same fraudulent debt under their name. 
This means my personal information and disputed account were sold or transferred to another debt collector, even though the debt was already proven fraudulent and deleted. 
Under FCRA 605B, once an account has been proven fraudulent and deleted, it can not be reinserted under another collector. 
Reporting of this debt constitutes inaccurate and unlawful furnishing of information. 
This practice also violates the FDCPA, as the collector is attempting to collect on a debt that is not legally valid and was already proven fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I opened a Capital One 360 checking account under XXXX. I deposited at least {$1500.00} in direct deposits within 75 days after moving my paycheck deposits from XXXX XXXX 

In XXXX, a rep told me the bonus would be post around the end of XXXX. On XX/XX/XXXX, another rep reviewed my account, confirmed I qualified, and said the {$300.00} would be credited by XX/XX/XXXX - even telling me I would hear a cha-ching sound when it posted. 

When the bonus never arrived, I was later told I did not qualify. On XX/XX/XXXX, a manager admitted the XXXX and XXXX calls showed I was told this, but still said my case was closed. Instead of resolution, I then received a marketing email that felt dismissive. 
Resolution I am seeking :

Company response to consumer: Closed with non-monetary relief