vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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: NCB Management Services Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX [ Email Address ] [ Phone Number ] Date : XX/XX/year> To : NCB Management Services XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Subject : Debt Validation Request under FDCPA and XXXX XXXXXXXX Dear NCB Management Services, This letter is in response to a collection notice and/or credit report entry regarding an alleged debt you claim to own. I do not acknowledge this debt and, under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) and the XXXX Collection Agency Act ( 225 ILCS 425 ), I am formally requesting full validation of the debt. 

Please provide the following documentation : A detailed, itemized statement showing how the alleged balance was calculated. 

A copy of the original signed agreement bearing my signature. 

Documentation proving the chain of title/assignment showing your legal authority to collect. 

Proof of your active license to collect debt in XXXX, including your license number. 

The name and address of the original creditor, including date of default and charge-off. 

Until this information is provided, cease all collection efforts, including reporting to credit bureaus. Reporting unverifiable debt may violate both the FDCPA and the Fair Credit Reporting Act ( FCRA ). If the debt is already reported, you are required under 15 U.S.C. 1692e ( 8 ) to mark it as " disputed. '' If you can not validate the debt, you must cease all collection activity and remove any related credit reporting. 

Thank you for your prompt attention. I expect a full response within XXXX days as required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

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 2025-05-21 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We contacted Wells Fargo Bank and XXXX to dispute charges made in XX/XX/year> through XX/XX/year>. We were defrauded by XXXX XXXX XXXX Promised and explained things that were false when we signed up for membership. Provided both banks with same information including supporting documentation. XXXX was able to find dispute in our favor and gave us our money back. Wells Fargo however processed dispute as a cancellation and not services not received and that resulted in dispute not being found in our favor. We have attempted to resolve this multiple times with Wells Fargo through their complaint department and they refuse to process dispute the same way that XXXX did which resulted in our favor and XXXX getting our money back. We are asking for your assistance in helping us get our money back from Wells Fargo the same way XXXX was able to fight for us as customers and acknowledge that charges on our card were fraudulent due to XXXX XXXX XXXX lying and making false promises. Well are dumbfounded that XXXX bank - XXXX was able to do the right thing and Wells Fargo refuses to help us.

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 2025-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
Wells Fargo reporting my payments late when they all on time XXXX XXXX is all up to date nothing should be saying missed

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 2025-05-21 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: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

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 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/XXXX, I saw a post from a XXXX friend XXXX XXXX XXXX. I messaged her asking her questions and to make sure it was her. She was selling for her aunt and gave me her aunt 's number. I spoke with the person at that number via messenger and text. They requested a {$1000.00} down payment for a vehicle. I sent it via XXXX at Huntington Bank. After the payment was sent, they listed more things for little money that seemed too good to be true. I then called my friend to make sure this was actually her. She stated that she was lacked out of her XXXX account in that somebody else took it over and that this was actually a scam. I immediately called huntington 's fraud division to ask them to stop the payment. The person told me to wait until it goes through and then file a dispute. I was not happy with that answer. So I called back and received another person at huntington. She was very kind and was trying to help me stop the transaction by canceling it, but she said there was a glitch with XXXX that day. She had me XXXX XXXX XXXX XXXX XXXX, but I could still not cancel the payment, which was pending. Since it was a " pending '' payment, I asked her to cancel it on her end but she said she was not allowed to. She also told me to wait until it goes through and then file a dispute. I filed a dispute and immediately got back a rejection. In my opinion, they did not even try to look into the matter. Because the person had to have registered good as XXXX. If you put a phone number in there to receive the money. The bank was no help. I sent all the information they asked for and they just declined to help. I have the conversation with the scammer if it would help. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Capital Recovery Corporation
State: PA

Complaint narrative:
In XX/XX/year>, my doctor requested a XXXX home study through XXXX. I have dual insurance coverage through XXXX and XXXX. The bill was {$990.00}. My XXXX XXXX XXXX paid {$950.00}, and XXXX was supposed to cover the remaining co-pay of {$43.00} in which they fail to do it. 
I attempted to contact the company using the phone number listed on the invoice, but I was never able to speak with a human representative. The automated system did not provide any options to resolve the issue, and my calls were constantly transferred from XXXX number to another. When I resorted to email, using the address provided on the invoice, I included all my XXXX insurance information. I received a response stating that my inquiry had been sent to the wrong department and would be forwarded. Additionally, the company 's website did not offer any solutions for the issue. 
The next thing I knew, they sent my bill to collections. I then contacted XXXX, and they informed me that they had never received a bill from the company. Now, every week, I receive texts and calls from debt collection agencies regarding this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo charged fees and late fees on prepaid loan payments, claiming they put towards principle and payment did not go to next month payment but they charged fees to next payment even though payments were sent early or 2 at time.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XXXX, I filed a dispute. Claim ( XXXX and XXXX ) regarding issues dealing with my updated information and credit file. I have supplied my FTC IDENTITY THEFT REPORT PREVIOUSLY. The FCRA ( 15 U.S.C. 1681i ) requires resolution within XXXX  days, a deadline you have exceeded as of XXXX XXXX. This delay has caused me financial damages such as higher interest rates and loan denials by the lateness. If this issue is not resolved by XXXX XXXX from receipt ], I intend to pursue legal action under the FCRA for actual and statutory damages, punitive damages and including attorneys fees under 15 U.S.C. 1681n ( WILLFUL NON COMPLIANCE or 1681o ( Negligent non compliance. Please address this matter immediately. Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: FL

Complaint narrative:
This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: ND

Complaint narrative:
I tried reaching out to Cashapp but they did not have a number to call and I found out they took my information over the phone and it was a random number that has all my information for my cashapp account including my identity. I know it is also illegal to not have a customer service number to contact with a bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-21 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: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: FL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am submitting this complaint because TD Bank has failed to resolve a check fraud claim totaling {$7400.00} that I filed on XX/XX/year>. This check, issued through TD Bank 's XXXX XXXX service, was intercepted and fraudulently cashed. Despite multiple follow-ups, TD Bank has failed to provide a refund or clear resolution nearly two months later. 

On XX/XX/year>, I received a letter from TD Banks XXXX XXXX XXXX department stating that the transaction was not handled by them and that my concern was being referred to another department. However, the letter did not include a claim number, a point of contact, a status update, or a timeline for resolution. I am attaching a copy of this letter to support my claim. 

I visited my local branch on XX/XX/year>, and was told a new claim was being submitted to the correct department further delaying the process with no assurance of timely reimbursement. 

TD Bank has not communicated effectively or met its obligations to resolve check fraud under Regulation CC and relevant consumer protection laws. This delay has caused serious financial hardship.

I am requesting immediate reimbursement of the {$7400.00} and a full explanation of why this issue has been mishandled for nearly eight weeks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-21 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: Chime Financial Inc
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, TX XXXX, deliberately against my will, and without my knowledge, wrongfully charged my account {$140.00} on Monday, XX/XX/year>. They claim to have released the funds back to my account, however, Chime is claiming they haven't received notification that it has been released. Their call center placed me on hold for atleast a half hour every time I called and hung up on me multiple times. They have lied multiple times about the status of the transaction and refuse to return my money immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
i AM A VICTIM OF THE EQUIFAX DATA BREACH THIS SITUATION HAS COSTED ME MY JOB AND OTHER THINGS FROM MY LIVELY HOOD. IVE BEEN TRYING TO HAVE THESE PEICES OFN INFORMATION ON MY CREDIT REPORT CORRECTED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This company has not provided any documentation or any proof of this alleged debt please delete off my credit report.

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