vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 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:
Experian XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$130.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3400.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9300.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$380.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$790.00} INQUIRIES : XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/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 2025-06-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I am writing to request verification of the debt referenced above, which you claim I owe. This is not a refusal to pay but a request for information regarding your claim. I assert my right to a written validation of this debt under the laws set forth in the Fair Debt Collection Practices Act. 

Please provide the following : 1. Verification and validity of the debt, including the amount owed and calculations to substantiate the sum, as well as a breakdown of any fees, interest, or other costs added.

2. A copy of the original signed agreement or instrument that states I agreed to pay the creditor.

3. Verification that your agency is legally permitted to collect this particular debt in my state, including licensing information.

4. The name and address of the original creditor.

5. Details of the last payment made on this account, showing any transactions related to this account. 

Please note that I request all future communication regarding this matter be conducted in writing. 

If you can not provide the requested information, I expect the collection attempt to be ceased and for this account to be removed from my credit report with any bureau to which you may have reported.

While you are verifying this debt, I would appreciate your cooperation by halting any future collection activities. In accordance with my rights, please provide the requested documentation to help me better understand and validate your claim.

Thank you for your prompt attention to this matter. 

Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: NJ

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX  {$840.00} dollars was transferred from my Chime account to a unknow " XXXX ''. and my information was changed without notice. As soon as it happened I called Chime to advise them what happened and demanded they put my money back in my account, and i did not know what happed. They refused to return my money at that moment and stated they have to do a formal dispute and stated that i was eligible for a provisional credit. One day later i got an email and stated my dispute was denied, .. i called and was told they can not provide me with any information regarding the dispute, how they investigated. I did not understand if i give them my money to protect and keep safe. why i am arguing with them after i told them i was robbed. Please help get my XXXX + XXXX for the transfer that I did not do and have no idea where is went.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-16 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing to formally express my deep concern and disappointment regarding the recent handling of my account by Wells Fargo. I believe I have been subjected to discriminatory treatment based on the inadequate investigation conducted, the lack of communication extended to me, and the decision to take punitive actions against me without affording me the opportunity to provide my side of the matter. 

At no point was I contacted or interviewed regarding the situation in question. Instead, Wells Fargo appears to have accepted the claims made by XXXX XXXX without scrutiny or verification, resulting in the abrupt closure of my account, the withholding of my funds, and the creation of significant financial and personal hardship. This approach not only lacks fairness and objectivity but also suggests a presumption of wrongdoing on my part without due process. 

Had proper due diligence been exercised, it would have been clear that both partiesmyself and XXXX XXXX the check in question. Furthermore, Wells Fargo could have reviewed branch security footage from the location where the deposit was made, which would clearly show that we both entered the branch voluntarily and without duress. To suggest that I was not the rightful or intended recipient of the funds is both inaccurate and offensive. 

I am formally requesting the immediate release of my funds and a reconsideration of the decision to close my account. I have been a loyal Wells Fargo customer for over 15 years and have never engaged in any activity that would warrant such a severe and damaging response. 

Additionally, I am concerned by the prolonged nature of this so-called investigation, which appears to be ongoing despite the availability of evidence that could have resolved this matter promptly. The continued delays and lack of transparency only compound the harm already done. 

I expect a prompt and fair resolution to this issue, including the release of my funds and the restoration of my account. I am prepared to escalate this matter further if necessary.

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 2025-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synergetic Communication Inc
State: AL

Complaint narrative:
I dont owe Synergetic Communications XXXX, and heres exactly why legally : 1. No contract exists between me and Synergetic. 
I never signed anything, never agreed to terms, and never knowingly opened any account with them. That means no privity of contract, which is basic contract law. Without mutual agreement, they have zero legal standing to collect.

2. They created an account without my permission or knowledge.

Thats unauthorized use of personal information, and at minimum, false representation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692e. That section makes it illegal to use any false, deceptive, or misleading means to collect a debt and claiming I owe them money based on an account I never knew about qualifies. 


3. Theyve never provided valid proof of debt.

Under 15 U.S. Code 1692g, they are required to provide debt validation including the name of the original creditor, the amount owed, and supporting documentation. They have not. Until they do, they are barred from legally collecting, per federal law. 


4. If the underlying debt is medical, it was likely incurred under duress. 
Medical emergencies arent voluntary shopping trips. If the debt happened while I was under XXXX XXXX XXXX XXXX  in a XXXX XXXX, XXXX or XXXX XXXX XXXX  then any agreement is voidable, if not void outright. Thats established under contract law : duress = no enforceable consent. 


5. They may have accessed or handled medical info illegally.

If they got any of my info from a medical provider without my explicit written authorization, thats a HIPAA violation under 45 CFR 164.508. They're not a covered entity or a provider, so they dont get to possess or use my protected health information. 


6. If they bought the debt, that doesnt make it valid.

Debt buyers have to follow strict rules under 12 CFR Part 1006 ( Regulation F ). That includes sending a full itemized breakdown, the itemization date, and proof they own the debt. If they skipped that, then theyre illegally trying to collect. 


7. If they reported it to credit bureaus, they may have violated the FCRA.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2, furnishing inaccurate or unverified information to credit agencies is a violation. Reporting a debt that was never legally mine, never validated, and possibly illegally obtained? Thats textbook violation. 




-- - Summary : No agreement = no legal obligation Debt not validated = not collectible Opened account without consent = identity misuse Possibly obtained under medical duress = unenforceable Possibly violated HIPAA and FCRA = reportable Legally, they get nothing from me. Not a dime. They can eat the paper they printed it on. 
And tell that XXXX I just talked to from their company she can XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: TX

Complaint narrative:
XXXX, PA XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX TX XXXX INQUIRIES : XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/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 2025-06-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Netspend Corporation
State: CA

Complaint narrative:
NetSpend Mastercard opened my debit card with {$100.00}. When I tried to use it, it was denied at XXXX, and the United States Post Office. My Mastercard was stolen with my Black Alligator wallet and my XXXX card. tap card inside XXXX XXXX XXXX XXXX on XXXX and XXXX XXXX with my XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. My user name is XXXX XXXX. 

My social security checks are under XXXX XXXX XXXX. My social security number is XXXX. 

I had a {$100.00} XXXX card in my wallet with a {$99.00} on a XXXX XXXX tap card. for public transportation and I feel that when I use it on XXXX and XXXX XXXX XXXX XXXX, California. Isomeone planned to rob me, because the government got very technical in XXXX XXXX. and put Voting boxes and materials and at each Public Library. on the outside of my free library. XXXX ending in XXXX and the second one never came in the mail. 

Further more it has been ordered that no one sleeps outside at night except for me and the severe mentally ill people.

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 2025-06-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services
State: KS

Complaint narrative:
I have filed a PSLF on my student loans. I have consolidated, met my 10 years of service and 120 payments. I have notified the Federal Student Loan. Gov that they are missing payments from XXXX ( Payments that were made to ACS Education , XXXX or any other service provider during that period of time is not noted. ) I had to file multiple employment verifications after they continued to incorrectly note my years of service. ( I have been in service for 20 years. ) They have requested documentation when they should reflect those payments through the loan servicers. In the meantime they are charging me interest. I in turn have overpaid on my loans and am due that money returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
This company doesnt follow federal guidelines when it come to disputes doesnt issue provisional credit and doesnt give promptly investigate errors

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: NJ

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: NC

Complaint narrative:
Experian XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NC XXXX XXXX : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3500.00} XXXX XXXX XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7600.00} XXXXXXXX XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$26000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$28000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXXXXXX Date : XX/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 2025-06-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Delays with the closing process
Company: NEW YORK COMMUNITY BANCORP INC
State: GA

Complaint narrative:
I took out a HELOC with XXXX XXXX last XXXX for some unexpected home repairs. My husband and I decided to refinance the HELOC back into our mortgage to help save money on the monthly interest. We had our closing for the refi with the attorney on XX/XX/year>. A few weeks later, I decided to check my HELOC online portal with XXXX just to make sure everything closed correctly and I see that the loan was never paid off and I was showing XXXX days past due. Upon calling, they told me it was simply an authorization form that wasn't processed on their end. I ended up turning in the form and they said they would fix it. Another two weeks goes by and the loan is still not closed. It shows the funds from closing just sitting in the account as " unapplied funds ''. I contacted XXXX again and they then told me that there was a shortage of funds now since it had acrued interest from sitting ( because they did not close the account ). They also told me that there was no pay off from the attorney which is not true because the attorney had the pay off from them that was ordered and good through XX/XX/XXXX or XXXX. Plenty of days past the XXXX when we closed. Myself and the attorney did a 3 way call where they said it was an error on their part and that they would fix it. Waited another week or so and still nothing. When calling them back after that phone call, they denied ever having a conversation with myself and the attorney, although they claim to record and document every call made. I was also told my loan was sold to XXXX XXXX which is who is servicing the new loan for the refinance not someone that is servicing the HELOC. So I am now still waiting on the account to be fixed. It still shows a balance for the interest accrued while the loan was sitting when it should have been closed while also paying on the new mortgage for the refinance. If you are reading this just beware and make sure to document everything and don't let them bully you into paying. I told them I would not pay a dime to them since the loan was supposed to be closed at closing and the extra interest incurred from it sitting should be paid by them. I hope this company is held reliable for their actions and that my account will eventually be fixed.

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 2025-06-16 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: NY

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 2025-06-16 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$120.00} UNAUTHORIZED INQUIRIES : XXXXXXXX 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