vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 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: TX

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX Date : XXXX/XXXX/XXXX To : XXXX XXXX XXXX Re : Cease and Desist Demand Accounts Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), you are hereby directed to cease all communication with me regarding the alleged account you are reporting : JXXXX XXXX XXXX XXXX  Re : Cease and Desist Demand Account # XXXX Reported Date : XX/XX/XXXX Amount : {$730.00} You are prohibited from contacting me further, except to : Confirm that collection efforts are terminated ; or Notify me of specific legal remedies you may pursue.

Any other communication will be considered a willful violation of federal law and will subject you to liability under 15 U.S.C. XXXX, including statutory damages, actual damages, attorneys fees, and costs. 
This letter serves as formal notice. Govern yourself accordingly. 
Sincerely, XXXX XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-09-30 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: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the XXXX XXXX XXXX XXXX online system on my behalf. 
This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. This is a formal complaint against WELLS FARGO CARD SER a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. WELLS FARGO CARD 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 monetary relief
Consumer complaint received 2025-09-30 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: NY

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-09-30 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: NY

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Benht: Economic Development Corporation
State: FL

Complaint narrative:
CFPB XXXX XXXX for XXXX XXXX XXXX XXXX XXXX Product Type : Installment Loan ( High-Cost Loan / Payday-style Loan ) Issue Category : Problem with a loan or line of credit Sub-Issue : Problem managing my loan Company Name : XXXX XXXX XXXX XXXX Lending Company Address ( from agreement ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Loan Details ( for your records ) : Loan Number XXXX XXXX Agreement Date : XX/XX/year> Principal Amount : {$1200.00} Total Repayment Amount : {$9200.00} Annual Percentage Rate ( XXXX ) : XXXX XXXX Detailed Complaint Description ( Text to be copied into the main complaint box ) : I am filing this complaint regarding an installment loan agreement I was offered by XXXX XXXX XXXX XXXX XXXX ( a tribal lender ). The terms of the loan are predatory and constitute potential financial harm. 

Key Facts : XXXX, XXXX XXXX XXXX : The loan offered a principal amount of {$1200.00}. The agreed-upon Annual Percentage Rate ( XXXX ) in the Truth in Lending Disclosure is XXXX XXXX. This results in a total repayment amount of {$9200.00} over XXXX scheduled payments. This exorbitant cost is abusive and unconscionable. 

Immediate Cancellation : I have already sent a formal, written notice of cancellation to the lender via email ( XXXX ) and phone on [ INSERT DATE ] at [ INSERT TIME ]. I immediately exercised my right to cancel the loan under the " XXXX '' clause of their own agreement and authorized a debit entry for the full principal amount of {$1200.00} to rescind the contract. 

Required Action : I am requesting the CFPB 's intervention to ensure that XXXX XXXX fully and legally rescinds this loan immediately, closes the account with a XXXX balance, and confirms in writing that no further interest or fees will be charged. I am providing all required documentation, including the loan agreement and my cancellation email, to support this claim. 

Desired Resolution : I want the company to formally rescind XXXX XXXX # XXXX, confirm that my account has been closed with a XXXX balance, and verify that this event will not be reported negatively to any credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: CrossCountry Mortgage LLC
State: SC

Complaint narrative:
In the process of working with Cross Country mortgage for a home loan. The experience I have had so far is terrible.I am now over XXXX in to the loan and havent had anyone reach out to me after I have repeatedly called, text, and left emails for the last XXXX weeks. I have reached out to corporate and they tell me they cant tell me anything leave a message.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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 authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. 
This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am submitting this formal complaint against Experian for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent account from harm to my creditworthiness and financial well-being. XXXX XXXX XXXX  XXXX. Despite having received all required documents, Experian has failed to block or delete these accounts, in direct violation of FCRA 1681c- 2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ).

In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being. XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2025-09-30 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
In XXXX, I notice that someone had applied for unemployment with my information. I called the police and they told me to file for a fraud claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
XXXX days ago I finalky got cash app to take my appeal on half of my disputes and I got an email asking for evidence and while I was gathering everything I have for them which took a while bc I have so much they automatically again denied my disputes all I want is whats right fully mine I reported these unauthorized transactions to cash app with in 2 days and the rest within XXXX to XXXX XXXX there are XXXX unauthorized transactions I want my money back I had my cash app card on me at the time of these tranactions my card was compromised and so was my account hacked or something bc I did not charge over XXXX to ny cash app card I habe no idea what happened other than it was not me and I want my momey vack but vash app just has not been helpful this had been going on since XX/XX/year> its XXXX now and they have not given me any XXXX  my momey back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
In XXXX, a credit card was fraudulently opened in my name. I did not discover this until months after it had gone to collection. I contact the original issuer of the credit card, Comenity Capital Bank. I have a letter from them dated XX/XX/XXXX releasing me of any responsibility for this debt due to fraud. I forwarded that letter to XXXX XXXX XXXX and report this as fraud several times to them. They continue to claim that it is not fraud, even though I have submitted proof. I have also disputed the item on my credit report. XXXX  no longer shows it on my report as in collections. However, XXXX  continues to show on my credit report. I have reported it as fraud to TransUnion and they continue to send me back to XXXX. My account number with XXXX is XXXX, my original account number with Comenity has the last 4 digits of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: VA

Complaint narrative:
XX/XX/year> XXXX XXXX NCB XXXX XXXX Re : Formal Dispute Failure to Provide Debt Validation To Whom It May Concern, This letter is regarding the alleged debt you claim I owe. I previously requested proper validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, but to date you have failed to provide the required documentation.

Because you did not supply the requested information, including proof that I am legally obligated to pay this debt, I am now formally disputing the validity of this account.

You were required to provide : 1. The amount of the alleged debt with an itemized breakdown.

2. The name and address of the original creditor.

3. Proof of my legal obligation to pay ( such as a signed contract or agreement ).

4. A complete payment history and the date of last payment.

5. Proof that you are authorized and licensed to collect debts in my state.

Since you have not complied with this request, you must immediately cease all collection efforts, including phone calls, letters, and reporting to any credit bureaus. If this debt has already been reported, you are required to inform the credit bureaus that it is disputed.

If you continue collection efforts without proper validation, you will be in violation of the FDCPA, and I will not hesitate to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office.

This is my final notice demanding compliance. Please provide the validation as required by law or cease all collection activity on this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-09-30 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: IL

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for upon further investigation I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question and they are negatively impacting my credit. Per section 15 USC 1681 c-2, Any fraudulent accounts that I did not recognize or sign a contract for must be removed off my credit report in four days! 

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection with these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

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 2025-09-30 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: IL

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for upon further investigation I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question and they are negatively impacting my credit. Per section 15 USC 1681 c-2, Any fraudulent accounts that I did not recognize or sign a contract for must be removed off my credit report in four days! 

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection with these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: GA

Complaint narrative:
I attended XXXX XXXX  and took out private loans through XXXX now its MOHELA. XXXX repeatedly misrepresented the value of its programs and the opportunities available to students. I was told multiple times that I would be guaranteed a job after graduation and that XXXX job placement rate was very high. This turned out to be false, and the school was later sued by the XXXX XXXX XXXX XXXX  and other authorities for these same misrepresentations. 

I was also not fully informed of the true costs of the program, including fees and charges, until after I was already enrolled and committed to loans. I submitted Borrower Defense/misconduct applications on several occasions but have not received fair resolution for my private loans. 

The school has since been closed and acknowledged to have engaged in misconduct. I should not be forced to continue repayment on loans that were taken out under false promises and deceptive practices. I am requesting that MOHELA provide relief, including loan discharge or cancellation, given the schools proven misconduct and the harm caused to me as a borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I am being sued by XXXXXXXX XXXX XXXX XXXX XXXXXXXX a collection agency who alleges that I owe a debt to Barclays Bank of Delaware ( brand name, XXXX XXXX XXXX XXXX XXXX ) in the amount of # XXXX XXXX. I am disputing the debt because I do not owe it. I have requested the ORIGINAL CONTRACT/AGREEMENT bearing MY SIGNATURE under the FDCPA, pursua

nt to 15 U.S.C. S1692g ( b ). I also demanded, pursuant to 15 U.S.C S1681i ( a ) of the FCRA to conduct a re-investigation of disputed information and a detailed description of the procedures used in their investigation as required under 15 U.S.C. S1681i ( a ) ( 6 ) ( B ) ( iii ). The collector has not furnished any of these documents. I have copies of fax, emails and texts to the Collection Agency, XXXX and XXXX, XXXX that shows that I have been communicating with them but they have not communicated back. The only thing that I received in mail from them are Billing Statements ( aren't sufficient proof to validate debt ) but no signature on a copy of Agreement nor signed Contract. I do not have a financial relationship with Barclays. They, XXXXXXXX XXXX XXXX, XXXX claim in a letter that the " creditor was able to verify the debt '' but not showing competent proof as required by law.

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 2025-09-30 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: WV

Complaint narrative:
I have previously disputed with EXPERIAN regarding several accounts which I found inaccurate. Up to date, I have received no response nor 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 badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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