vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-16 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: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells Fargo declined my claim within a few hours of talking to them.I was charged XXXX. XXXX from a place called XXXX on XX/XX/XXXX and another XXXX on XXXX XX/XX/XXXX another charge for XXXX for XXXX XXXX on XX/XX/XXXX. XXXX at a wig shop and XXXX at solince both on XX/XX/XXXX. I called Wells Fargo and talked to a gentleman and asked him what I can do about this and asked him if I should make a police report and he said no, not necessary. I made this report on XX/XX/XXXX when I noticed my bank account was cleared out and called the claims department and talk to a girl named XXXX and within hours I got a denial notice I don't think that they properly did the investigation within a few hours on all these charges that's what I'm asking for them to reconsider opening up the claim that's why I'm making this account with you needing your help please thank you.

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 2025-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I am writing to lodge a formal complaint against LVNV Funding LLC, which is falsely attributing a debt to my name that I absolutely do not owe. Despite my repeated requests for clarification and evidence of the debt, the agency has continued to pursue this erroneous claim, and I am absolutely fed up with their unrelenting harassment. 

The debt in question is not mine, and I have no association with the creditor, nor have I received any services or products linked to this supposed debt. I have attempted to resolve this issue directly with the debt collection agency, but their actions have been nothing short of reckless and negligent. Despite providing clear and concise evidence that I am not responsible for this debt, they have refused to investigate or remove the false claim. 

This is unacceptable. I am being wrongly pursued for money that I do not owe, and I have already endured months of unnecessary stress and frustration as a result of their blatant incompetence and disregard for the law. I believe this matter requires urgent attention and immediate action from your office. 

I demand the following : A thorough investigation into this false debt claim and the actions of LVNV Funding LLC Immediate cessation of all attempts to collect this erroneous debt from me. 

Formal confirmation from the CFPB that this debt has been cleared from my name and will not be reported to credit bureaus. 

If the CFPB does not intervene and take swift action, I will not hesitate to pursue further legal action against LVNV Funding LLC for their harassment, fraud, and negligence. I expect immediate resolution and the full support of your office to rectify this situation. This nonsense has gone on long enough. 

Please consider this my formal request for your involvement in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: WA

Complaint narrative:
We moved from a appartment named XXXX XXXX XXXX XXXX XXXX XXXX wa XXXX. The place had black mold and the floors in the bathroom and bedroom had collapsed. The appartment told us that it would be to difficult to repair with us there and ask us to move out so they could remodel it. We moved out in good terms. But after 1 1/2 years we have a collection agency XXXX XXXX XXXX contacting us that we still owed approximately XXXX dollars for unpaid rent. I have documentation showing that we paid. I have asked them for to send us a debt validation letter showing all necessary information with supporting documents. So far I have asked XXXX different times and we never get it. All they do is try to push us to send them money. I am not going to start paying them without seeing proof that it's owed. They already hurt my credit be putting on my credit report. Please help XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Report Act ( FCRA ), 15 U.S.C. 1 - U.S. C, 1681i, which mandates a reasonable investigation disputes. Furthermore, Transunions action may also contravene the consumer Financial Protections Act ( CFPA ) 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent Administrative proceeding ( File No. XXXX ) again them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. XXXX XXXX XXXXXXXX XXXX XXXX is not a credit account, it is a public record that is not verified by the courts per attached document below.The XXXX XXXX has no interaction with credit bureaus, including Equifax, TransUnion, and XXXX. The XXXX  XXXX does not report information regarding XXXX  cases to credit bureaus and does not verify the accuracy of information regarding XXXX  cases held by credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: UPGRADE, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX or so, I got copies of my credit reports from all three bureaus. In the past, I only pulled my XXXX report in which all information was correct. I found several accounts from creditors such as XXXX XXXX XXXX and XXXX that are incorrect and don't belong to me from XXXX and XXXX. I have already been in contact with XXXX and have had several phone calls with them giving them my statement and trying to find out any additional information as it also helps me. XXXX confirmed that if anything was needed from me, they would let me know. I first spoke to a supervisor with XXXX by the name of XXXX XXXX on XX/XX/XXXX. With XXXX, I have been unsuccessful in speaking to a person. On Monday, XX/XX/year>, I typed up a letter and sent to their address giving them my statement with all the information I currently have and asked if someone could call me. The weird part of this is that I never received any notification of the delinquent accounts, had I received anything or know about these I would have addressed this sooner. In the ongoing communication with XXXX on XX/XX/year> I was told that I am still held responsible for the accounts on file with them. I had two separate phone calls on XX/XX/XXXX in which during the last call I was hung up on. On XX/XX/year> I then called again because they haven't been able to give me any of the information that I have asked for. I asked if they could send me what proof of verification they completed to make sure this was me opening accounts when this happened. The representative by the name of XXXX XXXX stated that only my last four of my social were verified. I asked how that determines that I'm still held responsible if that's the only verification they completed. I asked XXXX I would need a report or letter giving the statement of verification methods that were used and she confirmed only the accounts and balances would show on this statement. They are unable to provide proof of verification but yet concluded I'm responsible for the accounts. Several accounts were opened under my name that total about {$1000.00}. I have still had no luck in speaking to anyone from Uplift but I can confirm I have mailed the dispute letter and physical copies of reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: AZ

Complaint narrative:
Accounts are closed, but there still shows a negative balance.

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 2025-03-16 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Accounts are closed, but there still shows a negative balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: NC

Complaint narrative:
I recently checked my credit report and saw inquiries reporting that I do not recognize.

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 2025-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/year> from playerauctions.com I found a leveled up game account seller and send message to buy account. 
Used discord to chat with seller, he was asking to visit website ( tradeit.gg ) to pay XXXX $ and I paid. 
After payment, he said he couldn't verify my payments even I send screenshot of transaction. 
Total XXXX payments made before I realized this is fraud. 
XXXX transaction from my credit card & XXXX from debit card. 
I contact tradeit.gg website to help with this issue but they said they can't help, contact banker. 
I claimed all transactions through app, XXXX transaction from credit card got approved and slolved but XXXX from debit card denied 3 times

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 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I called Equifax on XX/XX/year> on or around XXXX XXXX PDT. I was on hold for 30 minuets ; this is too long of a hold just to file a dispute. Please ameliorate your excessive hold times. In addition, around XXXXXXXX XXXX  PDT a male agent in the XXXX dispute department answered the phone and after his introduction he willfully and deliberately stopped talking. This is known as 'call avoidance. ' I kept saying " Hello? Agent are you there? Hello? '' There was no response. Then all of a sudden I was sent to the survey conducted at the end of the call to rate the employee. I gave him the worst rating possible. Terminate this XXXX male agent forthwith. This is not a request for my credit report. This is not a dispute request. Please ameliorate your excessive hold times and stop agents engaging in call avoidance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
i am a victim of data breach and identity theft please block and delete these accounts from my credit file unauthorized charges and unauthorized accounts frca pursant 15 605b15 1681-c2

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 2025-03-16 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: NY

Complaint narrative:
i am a victim of data breach and identity theft please block and delete these accounts from my credit file unauthorized charges and unauthorized accounts frca pursant 15 605b15 1681-c2

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
They have attempted to collect a debt that was fraudulent through a party that is not them. It was through XXXX XXXXXXXX. I do not have a contract with PORTFOLIO RECOVERY ASSOCIATES. So, therefore I do not owe them. They are a third party who bought my information without my consent. Without them showing me where I signed with them to create this debt they are in violation of the FCRA Fair Credit Reporting Act, 15 U.S. Code 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: AZ

Complaint narrative:
I am writing to lodge a formal complaint against [ Debt Collection Agency Name ], which is falsely attributing a debt to my name that I absolutely do not owe. Despite my repeated requests for clarification and evidence of the debt, the agency has continued to pursue this erroneous claim, and I am absolutely fed up with their unrelenting harassment.

The debt in question is not mine, and I have no association with the creditor, nor have I received any services or products linked to this supposed debt. I have attempted to resolve this issue directly with the debt collection agency, but their actions have been nothing short of reckless and negligent. Despite providing clear and concise evidence that I am not responsible for this debt, they have refused to investigate or remove the false claim. 

This is unacceptable. I am being wrongly pursued for money that I do not owe, and I have already endured months of unnecessary stress and frustration as a result of their blatant incompetence and disregard for the law. I believe this matter requires urgent attention and immediate action from your office. 

I demand the following : A thorough investigation into this false debt claim and the actions of National Credit Adjusters , LLC Immediate cessation of all attempts to collect this erroneous debt from me.

Formal confirmation from the CFPB that this debt has been cleared from my name and will not be reported to credit bureaus.

If the CFPB does not intervene and take swift action, I will not hesitate to pursue further legal action against National Credit Adjusters , LLC for their harassment, fraud, and negligence. I expect immediate resolution and the full support of your office to rectify this situation. This nonsense has gone on long enough.

Please consider this my formal request for your involvement in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian Credit Bureau has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
My Citibank Credit Card Account Balance is made up of a two types of balances ; one subject to APR and another % Balance Transfer.

Historically, I pay the card off in full and on time each month in order to avoid late fees and interest. 

Since making the balance transfer in mid XX/XX/2025, I have continued to pay IN EXCESS of the purchase balance made on the card each month to continue my tradition of paying the card off in full AND pay down a portion of the 0 % Balance Transfer prior to its expiration date. Regardless, interest continues to accrue on the account. 

I have called the company and spoke with 3 different representatives and although I confirm specific dollar figures on multiple statements with them, they continue to insist that I owe interest on a rolling purchase balance. 

I have closed the 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 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Accounts inaccurately reported within the last 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My old data reflects an old Number that I no longer use. I now have a new number which I need to be trimerged into data. 
My new number is XXXX. The old number I no longer use is 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 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Dear JPMCB Disputes Department, I am writing to formally dispute the derogatory status of my JPMCB credit card account ( [ last four digits : XXXX  ] ) as reported on my credit report. Upon reviewing my report, I noticed that my account has been marked as derogatory, with a balance of {$1300.00}, despite the account being closed on XXXX and my last recorded payment on XXXX. 

I believe this information may be inaccurate and kindly request that you : 1. Provide verification and documentation supporting the derogatory status. 
2. Confirm the accuracy of the reported balance and payment history. 
3. Remove or correct any errors found in accordance with the Fair Credit Reporting Act ( FCRA ). 

If the reported information is correct, I would appreciate guidance on resolving this matter to update my credit standing. However, if any inaccuracies are found, I request that JPMCB promptly update my credit report to reflect the correct status.

Company response to consumer: Closed with explanation