vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 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: CA

Complaint narrative:
In accordance with the fair credit reporting act convergent account # XXXX, has violated my rights. 

15 USC 1681 section 602 States i have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Arcon Credit Solutions LLC
State: CT

Complaint narrative:
I kindly request that you address this matter promptly. I would appreciate [ state your desired resolution, e.g., a refund, replacement, apology, or corrective action ]. Please contact me at your earliest convenience at [ your phone number or email address ] to discuss how this issue can be resolved. 
RE Arcon Credit solutions Reference # XXXX This collection of Debt in the sum of XXXX from a XXXX XXXX XXXX card through the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX last known address was out of XXXX XXXX CT, back in around year XXXX my credit and name were used for his personal gain, I was in the XXXX debt litigation program due to him, his number is XXXX if you look at my credit report false information is on it, I work for XXXX XXXX not XXXX XXXX XXXX Please redirect collections complaints to the following this is his XXXX XXXX thou he lives on a boat somewhere in XXXX XXXX XXXX and sons XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS 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 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 explanation
Consumer complaint received 2025-10-14 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: FL

Complaint narrative:
It is extremely upsetting that the unauthorized inquiries continue to show up on my credit report. I already checked and refreshed my browser, but nothing has changed. I need this matter addressed right away and the documents I sent to be examined thoroughly.

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 2025-10-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: MI

Complaint narrative:
XXXX XXXX is requesting a payment from me which i dont have no knowledge of. 
Fraudulent account I have no knowledge of this account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: CBC Companies, Inc.
State: TX

Complaint narrative:
Complaint Against : Innovis I am filing a complaint against Innovis for including a bankruptcy record in my consumer file without disclosing the source of that information or verifying its accuracy and origin, in violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ). 

I sent a written dispute requesting full source verification under FCRA 609 ( a ) ( 1 ) and a security freeze on my file. I have not received any response within the 30-day timeframe required under FCRA 611 ( a ) ( 1 ). 

Additionally, the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX has provided official documentation confirming that they do not furnish consumer data to Innovis or any other credit reporting agency. If the court is not the furnisher, then any record attributed to the court is unverifiable and should not be reported.

My legal demands under FCRA : FCRA 609 ( a ) ( 1 ) : Source Disclosure I request the specific name, vendor, system, or agency from which Innovis acquired this bankruptcy record, along with the method and exact date of acquisition.

FCRA 607 ( b ) : Accuracy Procedures I request full disclosure of the procedures Innovis follows to ensure maximum possible accuracy when reporting public records.

FCRA 610 : Data Sharing I request a list of all third parties or entities who have accessed or been sold/shared this bankruptcy data with
dates and identities included.

Because the court confirmed they are not the source, this record can not be verified with the original furnisher and must be removed under FCRA 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have XXXX active promotional balances with Synchrony Bank for XXXX XXXX : 1. Bedroom set promotion 0 % interest, expiring XX/XX/XXXX XXXX. XXXX XXXX 0 % interest, expiring XX/XX/XXXX I made the following payments which I requested be allocated specifically to the bedroom set promotion : {$87.00} payment ( XX/XX/XXXX ) {$92.00} payment ( XX/XX/XXXX ) {$680.00} payment ( XX/XX/XXXX ) Synchrony representatives confirmed through written chat and by phone that these payments would be applied to the bedroom set promotion. To date, only the XX/XX/XXXX payment has been applied correctly ; the XX/XX/XXXX and XX/XX/XXXX payments were misallocated. 
Synchrony later sent a form letter citing Regulation Z and the 60-day reallocation policy, denying my request. My original requests were made well within the 60-day window, and representatives confirmed acceptance at the time. The failure to process these instructions constitutes an administrative error by Synchrony, not a delay on my part. 
Synchrony also sent a generic acknowledgment letter confirming receipt of one payment but did not address my reallocation request or the bedroom set promotional balance, demonstrating a pattern of ignoring my repeated requests.

Impact : Because of this misallocation, my bedroom set promotional balance still appears unpaid, and my XXXX minimum payment is higher than it should be. 

I have retained documented proof, including screenshots of chat conversations and notes from phone calls confirming Synchronys acceptance of my reallocation requests.

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 2025-10-15 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: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I have long term covid, because of this I've been in and out hospitals and etc. Had agreement with Wells Fargo that my NSF amd fees would be waved as long as my account wad brought up to date within a few days since it was difficult to get to bank to deposit determining my health from long term covid. However, it wasn't honored and have HUNDREDS of dollars worth of FEES from them. I also wanted proof for their definition of grace period. Because EST time zone and PST time zone, and the 24 limit, if my account waa charged a fee at XXXX for a purchase and EST time was XXXX, I was charged a fee but it was actually LESS THAN A FULL 24 hours later, I asked for proof about it stating how feesa were determined based on this. Which has never been shown. I also was told my fees would be refunded since I communicated my medical reasoning and my account was never overdrawn for more than a few day, and that never happened. They're also not supposed to charge so many times per month or so many per day. My acckunt had numerous fees totaling over {$1000.00}. I also wanted proof where it said youre only allowed 2 refunds from fees 2 times a within a year. Nothing was ever proven

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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX  ( XXXX ) is falsely reporting late payments ( XXXX XXXX ) and a foreclosure on a property that was fully paid off and transferred into the XXXX XXXX XXXX in XXXX. The bond for {$610000.00} was paid in full on XX/XX/XXXX, and lien searches dated XX/XX/XXXX ( primary residence ) and XX/XX/XXXX ( trust property ) confirm no liens or foreclosure activity. My family still lives in the property, and utility bills confirm current occupancy. The XXXX trade line shows a zero balance, yet Equifax and XXXX  continue to report this negative information, stating they cant remove it unless XXXX requests it. Ive filed four disputes with Equifax and XXXX, and received conflicting information each time. This false reporting has caused financial harm, including the denial of a home equity loan. Im requesting CFPBs intervention to have this false trade line corrected and removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: TX

Complaint narrative:
THIS ENTRY IS THE RESULT OF CRIMINAL IDENTITY THEFT.

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 2025-10-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My credit card was fraudulently used a XXXX XXXX, XXXX FL, and I protested the fraudulent charge made on my credit card XX/XX/year> for over {$700.00}. I verbally reported the charge to Bank of America. After Bank of America made contact with XXXX, they denied my claim without thorough investigations. BOA claimed that XXXX provided evidence I was at the theme park. I was never given the opportunity to provide proof I was never ( or could not be ) at XXXX, do not know anyone named on the tickets, do not speak the language of the person & alleged " family members '' On the initial response from BOA, there is statement made by a XXXX employee that confirmed my innocence. Although I verbally called BOA fraud department and point out the inconsistencies included in the document sent to me as alleged proof I was there with " family '' members, BOA responded with another denial. I addition to fraud on my credit card, I recently found out my email address associated with the credit card was breech. I filed a police report with the XXXX XXXX XXXX XXXX department.

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 2025-10-15 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: OH

Complaint narrative:
UPON OPENING MY CREDIT REPORT I REALIZED THAT THERE WERE UNAUTHORIZED FRAUDULENT INQUIRIES ON MY CREDIT REPORT. 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 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

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 2025-10-14 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:
This letter serves as notice of my intent to pursue binding arbitration and/or litigation against Equifax Inc. ( `` Equifax '' ) for violations of federal and state consumer protection laws stemming from your willful and negligent reporting of inaccurate information on my consumer credit report.

I. INACCURATE ACCOUNTS AND INFORMATION Despite my previous dispute ( s ), Equifax continues to report the following inaccurate information on my consum
er credit report : II. PREVIOUS DISPUTES I have previously disputed these inaccurate items with Equifax on the following date ( s ) : XXXX XXXX  : # XXXX : Fraudulently Opened on XX/XX/XXXX XXXX XXXX XXXX XXXX : # XXXX : Fraudulently Opened on XX/XX/XXXX XXXX XXXX  : # XXXX : Fraudulently Opened on XX/XX/XXXX Despite my reasonable investigation requests Equifax has failed to : Conduct a reasonable reinvestigation as required by law Correct or delete the inaccurate information Provide me with adequate documentation supporting the accuracy of these accounts Comply with statutory obligations under the Fair Credit Reporting Act ( FCRA ) Equifax violates VIOLATION : 15 U.S.C. 1681i - INVESTIGATION PROCEDURES Equifax dispute investigations are FRAUDULENT : a ) Form letter responses claiming verified WITHOUT investigation b ) PREDETERMINED outcomes regardless of dispute legitimacy c ) REFUSAL to delete unverifiable accounts as required by law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On my XXXX  credit report, Bank of America listed a charge-off balance of {$230.00}, but I was never sent a 1099-C form for cancellation of debt. If they truly charged off the debt and canceled it, they should have issued a 1099-C. If they didnt cancel it, then it shouldnt be reported as charged off while still showing a balance owed.This situation feels completely misleading and unfair. Ive tried to resolve it but havent gotten any answers or proper documentation. This has negatively impacted my credit and Im extremely frustrated. 

Im requesting the following : A copy of the 1099-C ( if one exists ) Proof that the chargeoff is valid and accurately reported.

Immediate correction or removal from my credit report if this cant be verified I believe this violates my rights under the Fair Credit Reporting Act, and Im prepared to pursue further legal action if this isnt addressed. 
Please investigate this and get back to me as soon as possible.

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 2025-10-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or misleading advertising or marketing — 
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/XXXX, as a XXXX employee with XXXX, I was informed that as an exempted employee I would be required to continue working through the furlough, though unpaid. 

On XX/XX/XXXX, I contacted Navy Federal and spoke with an agent who explained that while XXXX employees are not automatically included on the list for the shutdown XXXX-interest loan, she would place me on the exception list for review. She acknowledged that I am a federal employee still working without pay and told me that this could allow my case to be considered. 

On XX/XX/XXXX, I followed up and was told I had been approved, and that I should expect my supplemental pay on XX/XX/XXXX. 

However, when I called Navy Federal today, I was informed that there had been a miscommunicationthat I was never approved, and that XXXX employees are not eligible. I was told that the agent had only provided me with a general answer to a general question, despite the fact that I had specifically explained my situation and was told my case was submitted for review. 

This raises several concerns : XXXX  is listed as a qualifying factor for Navy Federal membership. My direct deposit is with Navy Federal, yet when XXXX employees face financial hardship, we are told that we do not qualify for the very support programs extended to others. 
The information I was given was misleading, leading me to believe I had been approved for relief funds when in fact I had not. 
As a cXXXX XXXX XXXX XXXX, I serve service members and their families daily in their times of need. It is discouraging to know that when I and other XXXX employees face similar hardship, we are left with no support or options. 

I am not a service member, veteran, or spouse. I am a XXXX XXXX  who is continuing to work without pay to provide essential care to our military community. In this time of need, being told there is nothing more we can do feels dismissive and disheartening. 

I respectfully request a review of this matter, clarification on why XXXX employees are eligible for Navy Federal membership yet excluded from relief, and what corrective action will be taken to ensure that employees like myself are not misled or left unsupported in the future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
SOUTHERN MANAGEMENT SYSTEM INC XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This is a formal request for validation made pursuant to Section 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ).

I dispute the validity of this debt and request that you provide competent evidence that I have a legal obligation to pay this debt.

Please provide the following documentation : The name and address of the original creditor.

The original account number with the creditor.

An itemized breakdown of the amount owed, including the principal, interest, and any other fees.Documentation showing when and how the debt was transferred to your agency.

A copy of the original signed contract or agreement.

Documentation that you are licensed to collect debts in XXXX.

This is not an admission of liability, but a statement of my right to dispute this debt until it is properly validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX  anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-10-15 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX XXXX XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : 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 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 explanation