vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-26 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I tried informing the company I was a victim of identity theft in XXXX and XXXX when the account was opened. This was not the only account opened without my authorization it was bank account, several credit card accounts, and personal loans. Theses things were not done by me not given consent by me I tried calling the bank and fixing it but they made me settle out the account however the account is still on my credit after we agreed they would take it off after I paid even thought the debt wasnt mine to begin with. I will attach the lawsuit I was evolved in due to the identity theft. It was dropped and I sued them because I was able to prove XXXX XXXX XXXX XXXX XXXX XXXX during the time of this incident. And the account in fact did not belong to me and the courts granted me the win.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-26 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am submitting this complaint regarding inaccurate and unfair credit reporting by Navy Federal Credit Union ( Account ending in XXXX ) on my Experian, XXXX and XXXX credit reports. 

Between XX/XX/XXXX and XX/XX/XXXX, I was a victim of XXXX XXXX, as documented in the attached self-attestation letter. Due to the severe and extraordinary circumstances beyond my control, my ability to meet financial obligations was deeply impacted, leading to late payments that were inaccurately reported without taking my victim status into consideration. 

I have formally requested that XXXX XXXX investigate the matter and, as a goodwill adjustment, remove the derogatory marks reflecting XXXX days late payments. To date, I have not received a satisfactory resolution. 

I respectfully request that the CFPB assist in ensuring that the reported delinquencies are either corrected or removed due to the extraordinary hardship documented. 

Thank you for your attention to this urgent matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: VA

Complaint narrative:
I am submitting this dispute regarding the reporting of my XXXX XXXX account to the credit bureaus ( Equifax, TransUnion, and Experian ). As of the XX/XX/year> update, the account is reporting inconsistencies : Equifax and XXXX list the account as Pays account as agreed and Paid or paying as agreed. 
Experian incorrectly reflects that the account is Current account/was delinquent XXXX days past due date. 
The balance is {$250.00} with a credit limit of {$300.00} across all three bureaus. 

I dispute the Experian reporting of the XXXX delinquency, as the current status should reflect that the account is being paid as agreed, consistent with Equifax and XXXX 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) and 15 U.S.C. 1681s-2 ( Responsibilities of furnishers of information to consumer reporting agencies ), I request : 1. A full investigation into the inaccurate reporting.

2. Removal or correction of any inaccurate information.

3. Provision of documentation validating the XXXX delinquency, if any exists.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: FL

Complaint narrative:
I recently reviewed my credit report. Noticed I have fraudulent accounts on my report. Please remove these accounts from my report because they are affecting my credit. 

Company : XXXX XXXX XXXX XXXX XXXX Account : XXXX Date : XX/XX/year> Balance : {$79.00}

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 2025-04-26 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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$7500.00} Charged off- XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$440.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX CAPITAL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$790.00} XXXX XXXX XXXX * * * * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off- XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} XXXX CXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$120000.00} Charged off- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$30000.00} Charged off- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$29000.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$370.00} Collection Inquiries in Dispute : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: KY

Complaint narrative:
I am writing in response to your attempt to collect an alleged debt from me. I am formally requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ) XXXX U.S.C. XXXX. 
Please provide the following information : XXXX. 
The name and address of the original creditor. 
XXXX. 
The original account number associated with the debt. 
XXXX. 
The amount of the original debt and an itemized breakdown of any additional fees, interest, or charges added. 
XXXX. 
Proof that you have the legal right to collect this debt, including a copy of the assignment or purchase agreement transferring the debt to your agency. 
XXXX. 
Copies of any signed agreements or contracts establishing my liability for this debt. 
XXXX. 
Proof that the debt is within the applicable statute of limitations. 
XXXX. 
Copies of any judgments obtained against me ( if applicable ). 
XXXX. 
The full name and address of any previous collectors who have attempted to collect this debt. 
Until I receive the requested information, I am disputing this debt in its entirety. Under the FDCPA, you are required to cease collection efforts until this debt is validated. If you fail to provide proper validation, I will consider this matter resolved and expect no further communication regarding this debt. 
Additionally, any reporting of this unvalidated debt to credit bureaus may be a violation of the Fair Credit Reporting Act ( FCRA ), and I will not hesitate to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office if necessary. 
Please respond to this request in writing at the address provided above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with ( XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX OF XXXX, XXXX AND XXXX OF XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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:
I recently review a copy of my credit report and notice I had Fraudulent accounts on my report. Please remove these account from my report, thwy are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I am writing in response to your attempt to collect an alleged debt from me. I am formally requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g.

Please provide the following information : 1.

The name and address of the original creditor.

2.

The original account number associated with the debt.

3.

The amount of the original debt and an itemized breakdown of any additional fees, interest, or charges added.

4.

Proof that you have the legal right to collect this debt, including a copy of the assignment or purchase agreement transferring the debt to your agency. 
XXXX. 
Copies of any signed agreements or contracts establishing my liability for this debt. 
XXXX. 
Proof that the debt is within the applicable statute of limitations. 
XXXX. 
Copies of any judgments obtained against me ( if applicable ). 
XXXX. 
The full name and address of any previous collectors who have attempted to collect this debt.

Until I receive the requested information, I am disputing this debt in its entirety. Under the FDCPA, you are required to cease collection efforts until this debt is validated. If you fail to provide proper validation, I will consider this matter resolved and expect no further communication regarding this debt.

Additionally, any reporting of this unvalidated debt to credit bureaus may be a violation of the Fair Credit Reporting Act ( FCRA ), and I will not hesitate to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office if necessary.

Please respond to this request in writing at the address provided above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This account is reflecting as late, it was disputed on XX/XX/XXXX, approved and removed. Today the same late payment is showing on my account, please update the account to show on time payments and remove late payment as approved by 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 2025-04-26 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:
I am writing in response to your communication regarding the alleged debt referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ), I formally dispute this debt and request validation of the following : XXXX XXXX  Balance- DEPT OF EDUCATION/XXXX XXXXXXXX XXXX XXXX XXXX Balance {$1000.00} XXXX Balance {$2400.00} XXXX  Balance- XXXXXXXX XXXX Balance- Chapter XXXX bankruptcy Reference XXXXXXXX XXXX XXXX XXXX Balance {$1000.00} resolution delete account bring balance to 100 % paid on time XXXX Balance {$2400.00} resolution delete account bring balance to 100 % paid on time 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 XXXX XXXXXX/XX/XXXX Unspecified Proof that I owe this debt ( e.g., a signed contract or agreement ).

A detailed account breakdown, including the original creditor, current owner of the debt, and all charges/fees applied.

Verification that your company is licensed to collect debts in my state. 

Additionally, if this debt has been reported to any credit bureaus, I request that you notify them that the debt is disputed as required by the FCRA. 

Until you provide proper validation, I request that you : Cease all collection efforts. 

Do not report this debt to any credit bureau ( if not already reported ). 

Remove any existing negative reporting ( if applicable ). 

REMOVE ALL HARD INQUIRIES THAT ARE OWED AND NOT ATTACHED TO ANY ACTIVE ACCOUNT.

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 2025-04-26 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: VA

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit file regarding the following account : Creditor Name : XXXX XXXX Account Status : Closed Credit Limit : {$400.00} Reported Balance : {$0.00} Bureaus Affected : Equifax, TransUnion, Experian The account reflects inconsistent and inaccurate reporting : Equifax reports the account as Pays as agreed but shows a worst delinquency of 30 days past due.

TransUnion shows Paid or paying as agreed with no delinquency reported.

Experian shows Paid account/was 30 days past due. 
These discrepancies are inaccurate and create a misleading negative impact on my creditworthiness.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.1681, all information reported must be accurate, complete, and verifiable. Therefore, I respectfully request the following : An investigation into the reporting of this account across all bureaus. 
Deletion or correction of any inaccurate late payment information if XXXX XXXX can not provide proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: DC

Complaint narrative:
A while ago I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report just like the bureau requested XXXX months ago and I still havent received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on my 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
Consumer complaint received 2025-04-26 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: NC

Complaint narrative:
I am sending this complaint to EXPERIAN regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with XXXX XXXX XXXX, Section XXXX, which clearly outlines the procedures to be followed. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2300.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1300.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX  Original Creditor XXXXXXXX XXXX XXXX XXXX Balance Owed : {$1200.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$740.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: NJ

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I requested an international wire transfer of XXXX XXXX pounds from Wells Fargo to an online XXXXXXXX XXXX XXXXXXXX. My recipient indicated the wire would take too long so within XXXX hour of the wire submission, I called Wells Fargo and asked to cancel the wire. The Wells Fargo agent I spoke with assured me the wire would be canceled and the funds would be returned to my account. The Wells Fargo agent approved the cancellation and verbally assured me the funds would be back in my account within 3 weeks I was confident Wells Fargo would honor my request, I retrieved cash from a local ATM to pay the recipient. After, at XXXX attempts and 7 months, Wells Fargo has refused to acknowledge their agent told me that my money would be refunded and has closed XXXX cases that I have filed. XXXX of the customer service agents we spoke with in XXXX, XXXX, assured us a transcript of the conversation would be mailed to us. When the transcript did not arrive, another agent informed us the internal recordings would not be available to customers. This is another example of Wells Fargo not keeping their commitments to us in this process.

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