vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: NE

Complaint narrative:
National Consumer Telco and Utilities Exchange ( NCTUE ) report was used by insurance company to determine our premium, and as a result, we " did not receive a lower available rate '', per insurance company. NCTUE report purportedly contains our payment history with telecom, utilities ( like gas, water, power/electrical ) and cable providers. NCTUE scores range from XXXX to XXXX, and ours was XXXX. NCTUE report listed a single entry for only one service provider. That entry showed a full payment of a {$78.00} balance, closing our account with XXXX in early XXXX. NCTUE said our score was affected by not enough info on NCTUE accounts, months since latest NCTUE account disconnection, not enough info on balances reported in the last 3 months on NCTUE [ accounts ], and not enough info on paid-closed NCTUE accounts XXXX The report advised that it only contains our payment history with the service providers that are members of NCTUE. We have owned homes and lived in this community since XX/XX/XXXX, and have been served by gas, electrical, water, and phone service ever since, paying our bills faithfully. Apparently, with XXXX exception -- XXXX, a phone ( and possibly dial-up internet -- I can't recall for sure ) provider -- none of the telecommunication and utility providers have been members of NCTUE, despite the city 's population of XXXX. And XXXX apparently only reported closure of the account ; not our satisfactory payments prior thereto. For the utility credit reporting agency to pass on a rating based upon such shallow, poorly investigated data is unconscionable. In my opinion, based on this and experiences with reports of other credit reporting agencies, agencies should not be allowed to report other than the highest scores until they have verifiable data showing failure to pay or late payments of uncontested billings. They make too many mistakes and too many illogical judgments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: TX

Complaint narrative:
On XX/XX/year>, I received a debt collection letter from Jefferson Capital Systems LLC. I have never heard or done business with Jefferson Capital. I checked my credit report and sure enough I had a collection mark from Jefferson Capital beginning this year ( 2025 ).

I sent Jefferson Capital a letter via certified mail on XX/XX/year> requesting information regarding the debt. 
I requested : -the contract they claim I signed -the payment history -the chain of title information -and if they filed an insurance claim regarding the debt Jefferson Capital received my letter and has not responded. It has been 60 days and Jefferson Capital has not responded or provided any information in good faith. The debt continues on my credit report, lowing my credit score and causing hardship. I would this collection removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Per 15 USC 1681 ( b ) I did not give written consent permissible purpose in my wet signature to obtain or furnish my consumer report. No consent is fraud. I did not authorize the listed accounts or inquiries to report to my consumer credit reports. Block & remove the accounts and inquiries immediately. XXXXXXXX XXXX XXXXXXXX, 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 non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I am writing in regard to the alleged debt you are attempting to collect. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809 ( 8 ), I dispute the validity of this debt in its entirety and request that you provide me with full validation of the same. 
Please provide the following information : XXXX. * * Proof that I am responsible for the debt * * : Documents demonstrating that I owe this debt. 
XXXX. * * Details of the debt '' * ; A detailed explanation of the amount owed, including a breakdown of all charges and payments applied. 
XXXX. * * Name and address of the original creditor * * : If this debt has been sold or transferred, I need to know the name and address of the original creditor. 
XXXX. * * Proof of your authority to collect this debt * * : Documents showing that your agency has the legal authority to collect this debt on behalf of the original creditor.

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 2025-10-06 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: NV

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX * * * * *, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXXXXXX XXXX - Account Number : XXXX * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$8600.00} XXXXXXXX XXXX XXXX - Account Number : XXXX * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$1100.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
XXXX it was a XXXX stolen out my wells cargo account and I told them about it and they closed my account because they said I went against there policy violation also my account kept getting hit money was coming up missing out my account its crazy how they say report it and than when you report it your going against there policy just like XXXX XXXX XXXXXXXX I left them and went to Wells Fargo because someone hit my card from California and they want me to pay that money and Im not and I went to Wells Fargo for trust and I cant trust them either

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 2025-10-06 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
My XXXX XXXX Barclays was upgraded from a brand specific store card to a mastercard without consent. I did not receive an email to opt out. Only dsicovered this " upgrade '' when I logged into my account. I called customer service to revert the card back to a store charge card but they refused. They said that I would need to close my XXXX XXXX XXXX account and open a new one which, of course, would create XXXX hits on my XXXX XXXX : XXXX for closing the XXXX XXXX XXXX account and XXXX for opening a brand new one. The company is using shady marketing practices disguised as an upgrade to entice customers to use their cards outside of store brands. However, I was never told this was even coming because when I searched for the email today XX/XX/year>, it was in spam, and I never received it in my inbox. Very 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 2025-10-06 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:
This is a follow-up complaint regarding XXXX XXXX XXXX XXXX / TransUnion XXXX XXXX I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in Sessa v. TransUnion ( XXXX ), XXXX ( XXXX ), and Norman v. TransUnion ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : CHARGE OFF - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: PA

Complaint narrative:
RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE. 
UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 
PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: PA

Complaint narrative:
RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE. 
UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 
PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY

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 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting, discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovery lost funds was impossible and that tracking these we're unfeasible. The CFPB 's findings indicate That Zelle has not only neglected to protect consumers But have allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: OK

Complaint narrative:
Summary : This is a formal complaint against Navy Federal Credit Union for failing to honor its obligations under Regulation XXXX ( XXXX XXXX XXXX ) in handling my fraud claim related to a {$2400.00} unauthorized electronic funds transfer on XX/XX/year>. 


XXXX of Events : XX/XX/year> : I was contacted by a scammer impersonating Navy Federals fraud department. The caller ID matched Navy Federals number. Believing I was speaking with my bank, I followed their instructions to secure my account. Instead, this caused {$2400.00} to be transferred from my Navy Federal account to XXXX XXXX, and immediately cashed out to the scammers external bank account. 

Immediately after : I reported the fraud to Navy Federal. My card was still in my possession. I did not authorize the transfer to the scammers account. 

XX/XX/year> : Navy Federal denied my claim, stating it was authorized. I requested documentation of how this determination was made. Navy Federal provided none, saying only that no supporting documents were available. 

XX/XX/year> : I opened a second complaint with Navy Federal, submitting additional evidence including : Screenshots of my call logs showing incoming calls from Navy Federals number and a second spoofed number. 
Screenshots of the scammers bank account information where the stolen funds were routed. 
Despite this, XXXX XXXX concluded again in XXXX that the transfer was not fraudulent and informed me they would not refund the funds. 


Regulation XXXX Violations : XXXX of XXXX ( XXXX ( b ) ( XXXX ) ) : Navy Federal has not met its obligation to prove the transfer was authorized. They provided no device logs, authentication records, or recipient verification. A simple assertion that the transfer was authorized does not satisfy XXXX XXXX. 

Scope of XXXX ( XXXX ( c ) ( XXXX ) XXXX ) : Navy Federals investigation was inadequate. XXXX XXXX requires them to review all relevant records. They ignored evidence I submitted ( call logs, spoofing, scammers account info ) and limited their review to payment instructions. 

Documentation Requirement ( XXXX ( d ) ( XXXX ) ) : When I requested documentation, Navy Federal admitted there were no attachments. XXXX XXXX requires institutions to provide documentation relied upon in denying a claim, in an understandable form. They failed this requirement. 

Unauthorized EFT ( XXXX ( m ) ) : I never authorized a transfer to the scammer. My intent was to follow what I believed were Navy Federals fraud-prevention instructions. Consent obtained through deception is not valid authorization.

Harm Caused : Permanent loss of {$2400.00}.

Account was made negative after Navy Federal reversed provisional credit.

Time, stress, and financial disruption caused by Navy Federals mishandling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: GA

Complaint narrative:
The following items do not belong to me and need to be removed off of my credit. 

XXXX. XXXXXXXX XXXX # XXXX This account is erroneously and needs to be removed immediately. 
XXXX XXXX XXXX # XXXX account is erroneously and needs to be removed immediately. 
XXXX. XXXXXXXX XXXX # XXXX This account is erroneously and needs to be removed immediately. 
XXXXXXXX XXXX XXXX XXXX This account is erroneously and needs to be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: GA

Complaint narrative:
The following items do not belong to me and need to be removed off of my credit. 

XXXX. XXXXXXXX XXXX # XXXX This account is erroneously and needs to be removed immediately. 
XXXX XXXX XXXX # XXXX account is erroneously and needs to be removed immediately. 
XXXX. XXXXXXXX XXXX # XXXX This account is erroneously and needs to be removed immediately. 
XXXXXXXX XXXX XXXX XXXX This account is erroneously and needs to be removed immediately.

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 2025-10-06 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: U.S. BANCORP
State: TX

Complaint narrative:
several charges totaling in the amount of XXXX were made by someone who stole my credit card. These charges were made between XXXX and XXXX. After disputing these with US bank, they are refusing to refund my money even though the charges were made by someone who stole my credit card.

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 2025-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XXXX, XXXX, my account was restricted without any prior notification via email, postal mail, or app message. I only discovered the restriction when I logged into the mobile app, which instructed me to call customer service. When I called, a representative informed me that my account was under review. 
I requested to close my account, but I was told that the account could not be closed until the review was completed. It has now been over two month, and the review remains unresolved, preventing me from closing my account.

This indefinite delay in review, combined with the lack of prior notice, has caused significant inconvenience and may violate Capital One 's own user agreement, which promises timely notification of account status changes and reasonable processing times for customer requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
I was supposed to receive two separate settlement payments of {$3000.00} and {$620.00} on XX/XX/XXXX via ACH transfer. These funds were sent through a third-party payment processor called XXXX XXXX XXXX which XXXX XXXX XXXX XXXX XXXX issue settlement payments. 

However, the money was sent to the wrong bank XXXX XXXX Chase instead of my bank, XXXX XXXX. I never received the funds in my account. 

Since discovering the issue, I have contacted : My bank ( XXXX XXXX ) multiple times, and they confirmed that no ACH deposits were ever received for those amounts or dates. 
The receiving bank ( J.P. Morgan Chase ) to see if the funds could be located and refunded. Chase informed me that they are not allowed to provide information because I am not a consumer with their bank. 
The insurance company ( XXXX XXXX XXXX and XXXX XXXX, the payment processor, requesting that they contact their bank to initiate an ACH trace through the Federal Reserve.

Despite all my efforts, the sending party continues to state that they are not allowed to initiate a trace, which is false only the sending bank can initiate a formal ACH trace to determine where the funds went or to recover them. 

At this point, I have provided all information requested by all parties, and the funds remain missing. I am requesting that the CFPB assist in ensuring that a formal ACH trace and investigation is initiated by the sending bank and that I receive confirmation of where the funds were deposited or have them returned to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: NV

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$8600.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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