vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX CEASE AND DESIST This letter is a NOTICE AND DEMAND TO CEASE AND DESIST. I, XXXX XXXX, consumer and natural person, am notifying XXXX XXXX XXXX XXXX that I refuse to pay the alleged debt under reference number ending in XXXX. Pursuant to 15 USC 1692c ( c ), I want this debt collector to cease further communication with myself in regards to the above stated alleged debt.

My Demands -This letter serves as written notice that I am notifying you all that I refuse to pay the alleged debt that you all say I owe and that I wish for you to cease further communication with me the consumer and all consumer reporting agencies.

-This letter further demands that XXXX XXXX XXXX XXXX XXXX stop all illegal negative reporting of this alleged debt for reference number ending in XXXX to all consumer reporting agencies.

-This letter also further demands an AUDIT TRAIL for reference number ending in XXXX under XXXX XXXX . Audit Trail may or may not included ( Audit trail credit application, entire file on me, XXXX XXXX, all documentary evidence on me ( includes all documents, papers, correspondence, books of account, and financial and corporate records ). Please send everything you have over to me in regards to this alleged debt.

Ignoring a cease and desist letter is a violation and can be taken as evidence that the above infringement was willful. If I do not receive a response from your company you are violating my rights as a consumer to cease and desist. To ensure compliance with this letter, you are advised to send written reply stating, confirming and complying with the demands of this cease and desist within 15 days of receiving this notice. I am well aware of my rights and know that any further contact by this company, except a communication confirming acknowledgement of this letter, is in violation of the FDCPA. Failure to do so will act as further evidence of your infringement of XXXX XXXX consumer and legal rights. I will immediately undertake legal actions in order to protect my rights. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: TN

Complaint narrative:
I have submitted multiple dispute letters to Equifax, Experian, and TransUnion regarding inaccuracies on my credit report ; however, the errors remain uncorrected. Attached are copies of the letters previously sent to each bureau, along with a table outlining the discrepancies across all three reports. I kindly request your assistance in resolving these issues as soon as possible.

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 2025-11-06 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: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/year>, I made a {$200.00} purchase on my credit card from what I believed was the legitimate XXXX website. The website was designed to impersonate the real XXXX company. I never received the merchandise, tracking information, or any communication from the seller. The website provided no legitimate contact information. 
I immediately reported this to the legitimate XXXX company, who confirmed this was a fraudulent website impersonating their brand and thanked me for reporting it. They stated this is a common problem with fake websites using their name.

I then contacted my credit card issuer to dispute the charge as fraud. The bank opened a dispute case.

On approximately XXXX XXXX XXXX, the bank denied my fraud dispute. The only explanation provided was : " XXXX requires specific information from the cardholder in order for the bank to file a dispute. Since the requirements to file a dispute have not been met, we have no recourse but to close the dispute at this time. '' There is no way to reopen the dispute. 
This was a fraudulent transaction with a fake merchant impersonating a legitimate company, as confirmed by the real company. I never received goods or services, and there is no legitimate seller to contact. I believe the bank should have processed this as fraud rather than a merchant dispute, and their failure to specify what documentation is needed prevents me from exercising my rights under credit card fraud protection. 
I am requesting that the bank properly investigate this fraudulent charge and provide a credit for the {$200.00} unauthorized transaction.

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 2025-11-06 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-06 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Purchased 4 total laptops from Dell, 2 were returned within return window and refunded 1st computer was less than XXXX dollars, and subject to standard interest rate on the dell pay card managed by comenity bank 4th computer that was not returned cost XXXX. This charge was on 12 month interest free finance promotion, the purchase was in XXXX, pleny of time left on the promotion balance. 

Comenity took my two returned computers BEFORE the purchase of the fourth, and counted those returns as PAYMENT on my account. There is no way that a balance on the last purchased computer should be paid down by returns on previous orders, so that I am stuck paying interest on purchases that were not even kept. 

My bill states that I have made XXXX dollars in payments towards my promotional balance, and the {$1000.00} statment balance left is ALL SUBJECT TO THEIR STANDARD INTEREST RATE Since purchase, I have made a total of XXXX dollars in payments. It is my understanding that this would be applied to the first interest bearing purchase first. 

If that is the case, the XXXX charge that is subject to interest should be over half paid off, and the XXXX left should all be at XXXX interest for another 7 months. This account has been charging XXXX dollars of interest every single statement. 

This is shady lending practice at best, and fully illegal and unethical at worst. THEY CAN NOT TREAT XXXX  CONSUMERS THIS WAY.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-06 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX, XXXX  and Experian are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below 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 explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
My Chase account was improperly linked to my adult sons former High School Checking account. After he turned XXXX and now is XXXX.Chase should have converted his account to an independent adult account, but my account continued being charged for his OVERDRAFTS and many PURCHASES without my/our knowledge or consent. 
When I reported this, Chase required us to show ID and sign in person to have accounts separated proving accounts were never separated automatically ( I even called to verify a year ago ) They reimbursed {$200.00} for overdrafts to his account even though they took from my account ( why if I agreed? Highschool account has no overdrafts ) I was never given a case number for my complaint and or written acknowledgment, or documentation proving I agreed to cover his fees or for the actions that just took place.Several representatives admitted they could not locate any authorization, yet escalation called and wanted to close case without providing answers. Only after I objected did the escalation department agree to keep trying to locate my account records. Account-opening agreements, overdraft protection agreements or linkage authorizations, internal records showing how my account was linked, transactions of funds for my account to his account and what for, his account transfer to his own account and transactions from my account to that account and why, and a written summary of the investigation and actions they took ( refunding {$200.00} for overdrafts ) how they get that number? Total amount taken from my account?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On XX/XX/year> i received my paycheck via direct deposit. I utilized a register, the PNC banking app and regular desktop website to view my transactions that i have paid to ensure accuracy. At the end of day processing my account was very low but positive. On XX/XX/year> at XXXX i received an email from PNC stating i had over drafted my account, but then at XXXX received an email and a text advising i had a balance of {$410.00} ( & change ) available. When I woke up, I immediately called the bank to speak to a rep about what was happening as far as having a large amount in my account. I was on the phone for over an hour discussing the charges and deposits. The rep placed me on hold a few times to check with her peers to confirm that money is valid and available to use. I kept asking for clarification because XXXX weeks prior ( my payday and day after ) a similar situation happened but caused be to be over drafted over {$500.00}. The manager i spoke to then advised not to rely on just the banking app as its not accurate but was told to use a register and the desktop website to ensure accuracy to which i did. 
The rep i spoke to on XX/XX/year> assured me that it was a glitch in the system, she took the time to go through what was posted as well as pending transactions and again she verified with her peers that I did not have to do anything but utilize the funds as i needed. I was told numerous times that everything was fine and that I would not run into the same issue as i did XXXX weeks prior of becoming negative. 
Once i received the alert that i was negative once again that is when i called requested that the recorded conversation from XXXX be listened to for proof that i was told that was my money to use and it was due to a system glitch. I waited 3 days to receive a call back only to be told that i was out of luck and that they wouldn't fix my account based on misrepresentation by their own representative. I have had PNC for 12 years and the first time this issue happened I sucked it up and moved forward only for this to happen once again after being told the first time it would not. PNC rep " XXXX '' advised that she would credit the over draft charge of {$36.00} but that was it. After 12 years ( and other bumps along the way with this bank ) I need assistance dealing with this. I am a single parent and live check to check and I do not and have not ever had to carry a negative balance. I did my due diligence called immediately explained my prior experience and was still told to proceed with using the funds as I needed. I can not afford to pay them for their misguidance nor will I. This is unjust. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: VA

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: FL

Complaint narrative:
To : ExperianXXXX XXXXXXXX XXXX, TX XXXX Subject : Formal Dispute under FCRA Incorrect Charge-Off Account Reporting Dear Experian Dispute Department, I am writing to formally dispute the accuracy of information appearing on my Experian credit report in accordance with the Fair Credit Reporting Act ( FCRA ) 609 ( a ) and 611.

The account in question is listed as follows : * Creditor Name : XXXX XXXX XXXX  * Account Type : Secured Loan * Account Number : XXXX ( as shown on my report ) * Date Opened : XX/XX/2022 * Status : Transferred, closed. {$1900.00} written off. 
* Status Updated : XX/XX/2022 This account is being reported inaccurately. According to my records, the account was transferred and closed, and no charge-off should have been reported by XXXX XXXX XXXX . Once an account is transferred, the original creditor no longer owns or services the debt and therefore can not legally report a charge-off balance.

I am requesting that Experian conduct a reasonable reinvestigation of this item under FCRA 611 and verify the completeness and accuracy of the information being reported. Please contact XXXX XXXX XXXX  and provide documented proof that : 1. The account was properly charged off by the original creditor ; 2. The amount of {$1900.00} was actually written off and not transferred or sold ; 3. The reporting accurately reflects my payment history and current balance.

If verification can not be provided within 30 days as required by law, I request that this account be deleted from my credit report immediately.

Please send written confirmation of the results of your investigation to my address listed above. I have enclosed a copy of my government-issued ID and proof of address for identity verification purposes.

Thank you for your prompt attention to this matter.

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 2025-11-06 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: CA

Complaint narrative:
XXXX XXXX AUTO - XXXX, XXXX XXXX XXXX - XXXX, XXXX - XXXX, XXXX  - XXXX, XXXX CARD - XXXX, XXXX XXXX AUTO - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX  - XXXX, XXXX XXXX AUTO - 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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I am filing this complaint because Experian continues to report an inaccurate and unverifiable charge-off account from XXXX XXXX XXXX XXXX Account XXXX. XXXX ) with an alleged balance of {$5900.00}.

This account has been locked-in and reporting as a charge-off for a long time, and I have been disputing it for over two years through Experians dispute system. Despite my repeated requests for investigation, Experian continues to verify the account without providing any documentation or proof of verification from the furnisher ( XXXX XXXX XXXX ). 

Under the Fair Credit Reporting Act ( FCRA ) Sections 607 ( b ) and 611 ( a ), credit reporting agencies must maintain maximum possible accuracy and perform a reasonable reinvestigation when a consumer disputes information. Experian has failed to do this.

The account appears to be obsolete, unverifiable, and potentially misreported, yet it remains locked in my Experian credit file, negatively impacting my creditworthiness and overall credit score.

I have not received any legitimate verification such as a signed agreement, payment history, or ownership validation from XXXX XXXX XXXX. Therefore, I believe Experian is in violation of FCRA requirements to ensure the accuracy and integrity of consumer data.

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 2025-11-06 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: SC

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 2025-11-06 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: TX

Complaint narrative:
I am writing to formally dispute multiple inaccuracies on my credit report and request immediate investigation and corrective action. The reporting of the following information is factually incorrect, misleading, and negatively impacting my credit profile : Incorrect Addresses : XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX, XXXX, TX XXXX I have never resided at these addresses. Their inclusion is inaccurate and must be corrected or removed immediately. 

Accounts with Inaccurate Reporting Late Payments : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, {$1000.00}, Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, {$490.00}, Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$690.00}, Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$340.00}, Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$2500.00}, Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, {$1000.00}, Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$650.00}, Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, {$1000.00}, Opened XX/XX/XXXX XXXX XXXX XXXX XXXX  *, {$500.00}, Opened XX/XX/XXXX XXXX XXXX XXXX XXXX, {$1100.00}, Opened XX/XX/XXXX I have never made late payments on these accounts. Reporting them as such is inaccurate, unfair, and violates the Fair Credit Reporting Act ( FCRA ).

Accounts with Inaccurate Reporting Charge Offs/ Collections : XXXX XXXX XXXX XXXX XXXX XXXX, {$470.00}, Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$1300.00}, Opened XX/XX/XXXX Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$2600.00}, Opened XX/XX/XXXX Collection XXXX XXXX XXXX XXXX, {$710.00}, Opened XX/XX/XXXX Collection XXXX XXXX XXXX XXXX, {$1100.00}, Opened XX/XX/XXXX Collection XXXX XXXX XXXX XXXX XXXX XXXX, {$1500.00}, Opened XX/XX/XXXX Collection XXXX XXXX XXXX XXXX XXXX XXXX, {$890.00}, Opened XX/XX/XXXX Collection XXXX XXXX XXXXXXXX XXXX XXXX XXXX, {$370.00}, Opened XX/XX/XXXX Collection I have no knowledge of these accounts, and I dispute their validity. Reporting these items is inaccurate and must be removed from my credit history immediately. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy of reported information. I request a full investigation of all the above-listed accounts and addresses. Any account that can not be verified as accurate must be deleted immediately from my credit report.

Please provide written confirmation once the investigation is completed and notify me of the actions taken. Failure to correct these inaccuracies could lead to further legal action.

Thank you for your prompt attention to this matter.

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