vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-24 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
This complaint concerns the furnishers of credit information who are knowingly and willfully violating the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( b ). After being placed on notice through my disputes to the CRAs, these furnishers have failed to investigate, correct, or delete inaccurate information as required by law. The furnishers at issue include but are not limited to : XXXX XXXX XXXX XXXX XXXX XXXX American Express, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Violations : Failure to conduct reasonable investigations upon receipt of dispute notices from CRAs ( 1681s-2 ( b ) ( 1 ) ( A ) ). Failure to review all relevant information provided by CRAs ( 1681s-2 ( b ) ( 1 ) ( B ) ). Continuing to furnish inaccurate charge-offs and accounts that have been discharged, transferred into trust ownership, or rendered uncollectible ( 1681s-2 ( b ) ( 1 ) ( C ) ( E ) ). Reporting accounts without lawful basis, including debts transferred into securitized trusts where ownership/standing has been severed. This conduct creates systematic inaccuracies and demonstrates disregard for both federal law and fiduciary obligations. Fiduciary, Charter, and Trust Law Dimensions : Federally chartered banks ( XXXX XXXXXXXX XXXX Amex, XXXX  ) have obligations under their charters and OCC/Federal Reserve oversight to maintain fairness, accuracy, and compliance with law. Continuing to furnish false data undermines their charter purpose and the publics trust. Debt buyers and trustees ( XXXX, XXXX ) operate under trust and indenture principles, which impose duties of loyalty and care. Misreporting false data to CRAs violates these duties and constitutes an abuse of trustee capacity. Equity principles hold that once a furnisher has actual or constructive knowledge that data is inaccurate, it has a duty to correct the record. Continuing to furnish false derogatories is analogous to maintaining a cloud on title, which equity does not permit. Harm and Equity : The furnishers conduct has caused irreparable harm to me, including denial of housing, denial of employment, higher credit costs, reputational damage, and the loss of financial opportunities. No monetary remedy can restore the loss of credibility and trust once false data is published.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
Complaint regarding improper and excessive rental move-out charges reported by XXXX XXXX  and their third-party debt collection agency. These charges created a negative collection account on my rental and credit history, interfering with my ability to secure new housing. 

My lease at XXXX XXXX concluded on XX/XX/XXXX. In XX/XX/XXXX, I verbally notified the property office of my intent to vacate. The leasing agent told me no written notice was required and I only needed to return keys. Acting in good faith reliance, I vacated the unit on XX/XX/XXXX, and documented the condition through photos. 

Due to a family emergency abroad, I could not follow up in person. On XX/XX/XXXX, I emailed the property confirming my move-out and referencing a possible two-month penalty fee. This email was never answered. Instead, several months later in XX/XX/XXXX, I received an itemized bill totaling {$7000.00}, exceeding the two-month rent fee cited by staff. The charges included XXXX months of rent plus unexplained fees. 

In XX/XX/XXXX, I was told the debt had been transferred to collections for {$5900.00}. I promptly disputed the debt, submitted evidence ( move-out photos, my XX/XX/XXXX email, and the itemized statement ), and requested validation under the Fair Debt Collection Practices Act. 

XXXX XXXX has ( 1 ) misrepresented my lease obligations, ( 2 ) failed to respond to good-faith communication, and ( 3 ) reported inflated, inaccurate charges to collections. These actions have harmed my rental history and limited my access to housing despite my willingness to resolve any legitimate balance. 

I request this be reviewed and require XXXX and their agency to : Provide full validation and justification of charges, OR Remove the collection account and negative rental history if charges can not be substantiated.

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 2025-08-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
General Description : My Wells Fargo credit card account was closed due to false information shared by the Wells Fargo customer support line on XX/XX/XXXX. I repeatedly attempted to remedy this issue prior to the account being closed. Due to the lack of comprehensive account information available to me via online and mobile banking as a customer and the ineptitude of the Wells Fargo personnel that worked with me, I was assured that nothing was wrong with my account. I fail to see how this could be reasonably construed as something I could have remedied with the information provided by Wells Fargo. I also did not receive any notice prior to the closure when this could have been resolved. 


Timeline : XX/XX/XXXX - User changes autopay to pull from XXXX XXXX. Accidentally sets it to pull from checking rather than savings. 

XX/XX/XXXX - User receives notice from XXXXXXXX XXXX that there was an attempt to draw money from XXXX checking. User suspects that autopay is pulling from checking rather than savings account. Wells Fargo app says that autopay is pulling from a savings account ( inaccurate label ). 

XX/XX/XXXX - User calls Wells Fargo to ask if the credit card auto payment went through. WF Customer Support says that the payment went though. User requests that WF check that this is true multiple times. WF Customer Support repeats that the payment went through. User asks if XXXX email is a scam. Wells Fargo advises User to reach out to XXXX. 

XX/XX/XXXX - User calls XXXXXXXX XXXX and confirms that the notice is real and the WF auto payment did not go through. 

XX/XX/XXXX - User calls WF to inform them that payment will not go through. User asks if she should manually make a credit card account payment since the auto payment will not go through. WF informs XXXX that she does not need to add money as a clothing return to Lulus company covers the minimum payment. XXXX can wait for the next automatic payment. 

XX/XX/XXXX - Credit card account is closed with no notice. 

In the following week, XXXX made repeated attempts to receive help and support from WF with minimal success other than the standard account closure script. XXXX received notice of account closure via mail 7 business days after the account was closed.

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 2025-08-24 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:
Experian has furnished fraudulent information on my credit report per 15 US CODE 1681c-2

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 2025-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: TN

Complaint narrative:
Well they was XXXX dollar taking out of my account by cash app for XXXX that I didn't approve of and it got taking out while my card was locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Ive tried for months to access my synchrony account and they have been zero help.

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 2025-08-24 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Midland credit management is on my credit reporting wrong account information too all 3 credit bureaus which wrong. i want both account removed immediately. 

1.The Reported date are wrong 2. condition is wrong 3. creditior contact information not list

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
Every dollar in My Chime account was being used for merchant purchases, food, and payment transfers. My chime information was changed for a long time and I wondered at times why I couldnt use my card. I contacted chime about getting into my account and as soon as I did, I saw more than 50 unauthorized transactions. I filed Two disputes with chime and they are both taking a while to get back with me. My first dispute was denied even though I did not make these transactions. I have proof of me speaking with companies and getting back into my chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) PLEASE REMOVE THESE FILES A.S.A.P I HAVE NOTIFIED THE COURTS AND THEY SAID THEY NEVER RELEASED ANY INFORMATION FOR NO BANKRUPTCY AND ITS INACCURATE..

XXXX ALSO SAID THE SAME THING.. 

ALSO AT THIS TIME IM ASKING THAT ALL FILES BE REMOVED FROM MY CREDIT REPORTS ALL MY ACCOUNTS ARE PAID AND IN GOOD STANDARDS.. 

15 U.S. CODE 1681A 15 U.S. CODE 1681 B2 FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block 15 USC 1692A5 15 U.S.C 1692g 15 U.S.C 1681iaa BANKRUPTCY ACCOUNT : XXXX XXXX Bankruptcy XXXX XXXX Bankruptcy Status : Discharged Discharged Reference # : XXXX XXXX Court : U.S. Bankruptcy XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-08-24 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: GA

Complaint narrative:
I am filing this complaint against Experian under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) regarding the presence of inaccurate, unverifiable, and compromised negative information on my Experian credit file. 

Experian Data Breach Compromised Accuracy Experian has suffered multiple data breaches, exposing consumer data to unauthorized access. This raises serious concerns about the integrity and reliability of the negative information reported on my file. Under FCR

A 607 ( b ), Experian must ensure maximum possible accuracy which is impossible when consumer data has been compromised. Unverifiable Accounts Must Be Deleted Under FCRA 611, accounts must be fully verified with original creditor documentation ( signed contracts, payment history, etc. ). Automated responses are not sufficient. If Experian can not verify each disputed item with original documentation, it must be deleted immediately.

Failure to Protect Confidential Consumer Data FCRA 602 requires credit reporting agencies to adopt reasonable procedures to ensure confidentiality and accuracy. Experians repeated breaches are proof of failure in this obligation.

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 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/XXXX a fraudulent credit card application was submitted through XXXX XXXX  using my social. After contacting XXXX, it was confirmed to be a fraudulent application as the addressed used on the application was not the address on my credit report. 

XXXX advised me to call Transunion to dispute the transaction, and Transunion is requiring a letter from XXXX that they are refusing to provide me. Every time I call XXXX I am advised that the credit inquiry will eventually fall off my credit report. I was advised in XXXX give it 2 weeks, then it turned to 30 days and now it can take up to 6 months. I am not getting the appropriate letter needed to dispute the inquiry. XXXX has provided the application number that can be used to locate this application that was fraudulently submitted.

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 2025-08-24 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:
I recently submitted a CFPB complaint to Equifax and they did not remove all the fraudulent accounts from my consumer report. I have been regularly checking my credit reports and scores this year due to pressing needs of me and my family. This has caused me both XXXX  XXXX and XXXX  XXXX  I recently suffered with an event that has caused XXXX  XXXX. This has caused me to take time away from work and I have been trying to find a new home that takes me away from the area that can possibly trigger my XXXX. However again due to the derogatory and fraudulent items being reported about me damaging my character, I have been unable to obtain new lodging in a safer community for me and my family. I have previously reached out to CFPB regarding this as Equifax being the predominant Credit Reporting Agency in my region just about all lenders seem to use them to verify my financial worthiness. Also if this is indeed the way that Equifax operates then I would imagine that other Americans experience the same unfortunate event when they are victims of Identity theft as well. I have researched and talked with others about this and I can not seem to find anything supporting this occurrence. I have reached out to Equifax about this multiple times calling their call center where I can not seem to get reliable help regarding the manner and most times my calls end with their representatives hanging up on me. So please explain the fraudulent accounts and false misleading information on my report and the exact process being used to verify them as I honestly have no clue where this is coming from. they are illegally being reported to begin with and they should be removed as they should per law. I demand Equifax to reinvestigate every item on this letter for completeness and accuracy and remove these accounts from my consumer report ASAP as they do not meet the standards or I will be forced to file litigation against them for furnishing false and inaccurate accounts on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 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: FL

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: FL

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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 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 XX/XX/year> -- {$390.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/year> 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 XXXXXXXX XX/XX/year>

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 2025-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: GA

Complaint narrative:
National Recovery Agency, previously known as XXXX XXXX XXXX attempted to collect a debt of {$1000.00} which could be verified and confirmed I was not the owner of the account, and it was deleted. Now, the collection been reinserted under another name attempting to collect the same amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
I am submitting this complaint regarding Wakefield & Associates, who is inaccurately reporting a medical collection account on my credit report. 
I am the victim of identity theft and am not responsible for this account. I have already provided proof to Wakefield & Associates demonstrating that this debt is not mine. Despite this, they continue to report this inaccurate information to the credit bureaus, in direct violation of the Fair Credit Reporting Act ( FCRA ).

Furthermore, this is a HIPAA violation. A collection agency does not have the legal right to access, review, or use medical information without the patients explicit authorization. Although this account does not belong to me, Wakefield & Associates is attempting to collect a debt by using personal information that was retrieved from a medical provider without my consent. This constitutes both a privacy violation and an abuse of sensitive medical information. 
By continuing to report this false account, Wakefield & Associates is causing harm to my credit profile and violating my consumer rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 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: Synovus Bank
State: SC

Complaint narrative:
On XX/XX/year>, I used my " First Digital Credit Card '' to make a purchase from XXXX in which it was supposed to help rebuild my credit. XXXX Didn't do anything after paying them {$120.00}. After the charge from " XXXX '', First Digital froze my credit card, without any communication without me. I made payments on my account and tried to use my credit card and couldn't so I called First Digital and they advised me that they put a hold on my account. I advised them what had happened with " XXXX '' and they canceled my credit card on XX/XX/year>! Even though " First Digital canceled my card on XX/XX/year>, XXXX XXXX XXXX ) was able to charge the canceled credit card on XX/XX/year>. I have filed disputes on both of these charges and " First Digital '' has done nothing with these 2 disputes totaling {$250.00} ( my total credit Limit with First Digital {$300.00} ). 
I don't understand how XXXX could charge a credit card that was canceled 2 days prior!!!!

Company response to consumer: Closed with explanation