vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX, TX XXXX Re : Second Dispute & Reinvestigation Demand UPGRADE XXXX / NCBM Account Report # : XXXX Account # : XXXX Dear XXXX  I am submitting this follow-up dispute pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 1681i ( a ) ( 5 ), as the results of your previous investigation were insufficient and failed to address the inaccuracies in the referenced tradeline. 
Despite your response that the account was verified, you failed to provide : - The method of verification - The name and contact information of the party who verified it - Any documentation used to confirm the accounts accuracy Per FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), I am demanding a written description of the reinvestigation method and identity of the verifying party. If this information can not be provided, I request permanent deletion of the account under 1681i ( a ) ( 5 ) ( A ). 
The account in question has been disputed in court and lacks proper chain of title, validation, and supporting documentation from both XXXX and NCBM. Continuing to report unverifiable information violates FCRA 1681e ( b ) and 1681i. 
Please conduct a complete reinvestigation or delete the account immediately. 
Sincerely, XXXX XXXX XXXX XXXX DOB : XX/XX/year> SSN - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AmeriCollect
State: FL

Complaint narrative:
According to the new law of medical bills being prohibited to put on consumers credit report, I noticed there were new ones put on my XXXX  and XXXX this month in XXXX. I feel that what ever company who put this on my credit report, violated federal law. 
They must remove ALL medical bills asap as per federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Red White and Blue Autos, Inc.
State: PA

Complaint narrative:
If a consumer notified a debt collector that the consumer refuses to pay a debt, the debt collector must seize all communication.

This was sent to them.

Pursuant to 15 U.S.C. 1692c ( c ), I hereby notify you, in writing, that I refuse to pay the alleged debt referenced above and that I request you to cease all communication with me regarding this account. Except for the limited purposes of ( a ) informing me that no further communication will occur, ( b ) advising that you may or intend to invoke legal remedies, you must not contact me at all.

2. Request for Validation ( FDCPA 1692g ) Additionally, under 15 U.S.C. 1692g ( b ), I request that RWB provide within 30 days of receipt : Proof of the debts validity and amount ; The name and address of the original creditor ; Documentation showing you are legally authorized to collect on this debt ; A copy of the original contract or agreement. 

Should you fail to provide proper validation, or continue communication outside the exceptions, you will be in violation of the FDCPA. I will consider any violation as grounds for legal action and/or a complaint to the CFPB or state attorney generals office.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: EQUIFAX, INC.
State: CO

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Email : XXXX Phone : XXXX XX/XX/year> SYNCB/CARE CREDIT XXXX XXXX XXXX XXXX PA XXXX Re : Debt Validation Request Under the FDCPA To Whom It May Concern, I am writing in response to a recent communication I received regarding an alleged debt. This letter is not a refusal to pay, but a request for validation of the alleged debt as provided by the Fair Debt Collection Practices Act, 15 U.S.C. 1692g Sec. 809 ( b ). 

Please provide me with the following information : The amount of the alleged debt ; The name of the creditor to whom the debt is currently owed ; A copy of the original signed contract or agreement showing I agreed to pay this debt ; A detailed statement of the charges and payments on the account ; Verification that you are authorized to collect on this debt ; Proof that the statute of limitations has not expired ; A copy of any judgment, if applicable ; Your license number and the name of the state where you are licensed to collect debts. 


Until you provide the requested validation, stop all collection activities, including reporting this debt to credit bureaus. If you have already reported this debt to a credit bureau, please inform them that the debt is in dispute. 

Please respond in writing within 30 days. 

Sincerely, 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 2025-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: OH

Complaint narrative:
Please see the two prior complaints. I don't understand how this can be passed to company after company, and they each attempt to collect what is not mine. None have been able to show any proof that this debt is mine, but they continue to harass me. I need this to stop. No more passing this on to someone else to collect, there is nothing to collect from me. This is the same company that has contacted me previously, but under a different name.

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 2025-06-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: MS

Complaint narrative:
A {$500.00} Vanilla Gift Card was purchased by my coworkers for my wedding on XX/XX/year>. We first attempted to use the gift card at XXXX in XXXX, XXXX XXXX XXXX of 2025. The card returned Not Authorized. We then attempted to check the details online at VanillaGift.com and received a server issue.

Thinking this was a temporary outage, I decided to add the card to my XXXX account but it never worked. 

I called the number on the back of the card and was directed to InComm Financial Services who stated that I needed to ask the person who bought us the card to go back to the retail location and get a new receipt, which is ridiculous because they actually purchased another {$250.00} gift card at the same time ( the total gift was {$750.00} but the max per card is {$500.00} ) and the {$250.00} card works without any issue.

Looking online, it seems these ridiculous requests are put up in hopes that people forget about these cards to eventually gain profit for the company and I believe this is whats happening here.

InComm gave a case number and told me to check status online, but the online portal doesnt work, returning the same server error. We just want our {$500.00} back in check form.

InComm Case : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: MI

Complaint narrative:
n 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. .Inquiry details 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 XXXXXXXX ( Finance ) has violated my rights. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer and according to 15 USC 1681s-2 they are suppose to 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. 15 U.S.C. 1681B ( 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.

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 2025-06-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bridge IT, Inc.
State: TX

Complaint narrative:
I've been emailing them for about XXXX weeks now that I need my statement showing the account has been closed and paid off because my mortgage loan XXXX is asking for it to close on my house and because of brigit not answering it is holding my closing date and from moving forward. They do not have a phone number to reach them to and the only way is through email. I've already sent out a good amount of emails and it seems like I am being contacted back by either AI or a bot because none of what they reply back makes any sense to the questions I am asking for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
On Saturday XX/XX/year>XXXX  around XXXX, I used a co-op ATM for Navy Federal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mo XXXX XXXX I tried to deposit XXXX $ cash into my Navy federal savings account. I put my money in the deposit slot the door closed, it did not open again, gave me a receipt with XXXX balance as if no deposit was done. I tried to get the ATM door to open but it wouldn't let do anymore transactions. So I contact Navy Federal on Monday XXXX XXXX, representative told they would place a provisional credit while they do an investigation. I recieved no paperwork about the investigation results, then on XX/XX/XXXX they removed the provisional credit which made my account negative XXXX XXXX. I called Navy Federal, they told me I had to file a claim via an email that was given to me because tbe upon their investigation there was no issue identified with the co-op ATM. Before they took the provisional credit I have since made about 3- 4 deposits. I thought they identified that the ATM malfunctioned and i was cool. But now they are refusing to give my XXXX $ and I owe them now XXXX. Please help me I don't understand how it is my fought that the ATM Malfunctioned. I went XXXX XXXX XXXX XXXX XXXX XXXX and they told me they were still waiting on the video footage from that day and the transaction report. Navy federal is telling me they are no longer investing and the case is closed. They have decided not to replace my {$300.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
Everything is inaccurate from the date is was opened and the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: TX

Complaint narrative:
THIS ENTITY XXXX  WITH VARIOUS NAMES IN ONE BUROT AND XXXX  XXXX  AND IN ANOTHER 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 2025-06-22 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: TX

Complaint narrative:
THIS ENTITY XXXX  WITH VARIOUS NAMES IN ONE BUROT AND XXXX  XXXX  AND IN ANOTHER 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 non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: OK

Complaint narrative:
On XX/XX/year>, I went to XXXX XXXX to make a purchase in the amount of {$2000.00}. The card declined. The card limit at the time of purchase was {$5000.00} with a {$5000.00} available credit limit and {$1000.00} cash limit. 
To my surprise I swiped my card and it got declined. I then called the credit card company Hilton American Express. They told me nothing was wrong with my card and to try it again. I even received an email telling me to try again. So I did was declined and got embarrassed again and again. I paid this card off to zero balance on XXXX XXXX. My availability immediately was {$5000.00}. They only dropped my card limit after the card was declined then marked it as fraudulent. I passed all of the security questions then was told to run the card again. It declined again! I got transferred after asking to speak to a supervisor who was unavailable. Then talk to credit department then was told that my credit limit was dropped down from {$5000.00} to {$1000.00} without notice. Nothing in writing. They just took my limit away without warning and lied to me about it! Eventually, They told me that they just dropped my limit after they declined the transaction. This was very embarrassing, humiliating and frustrating. I was on the phone with them an entire hour. With no resolution. They now want to invade my privacy by asking for my bank statements and for three months. I have never missed a payment with this company and have always paid two or three times the minimum amount due. This furiously aggravated me. So when I got back to my hotel, I called and canceled the card! The way that I was treated and lied too was unfair and unwarranted!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I used my XXXX account through SoFi to make a deposit for my hair appointment. I verified the sender and hair salon. However, the person I sent the money to was a scam. The hair stylist kept asking for money three times and wanted me to send the money to three other people. When I went to the hair appointment the stylist did not show up and the salon was closed. I told SoFi what happened and they said they would escalate it. This was end of XX/XX/XXXX. In XX/XX/XXXX XXXX times in that month, I checked in for the status and I was informed on both occasions no one put the ticket in. I was informed that they did. Then in XXXX I asked again and same response no one escalated it but I would always be assured I would get an email and no time frame. Now we are in XXXX and I still dont have access to XXXX and its been a pain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
There are {$10000.00} dollars of charges on this credit card from Wells Fargo that aren't mine. Excess fines and interest. I was supposed to receive an extra 6 months of 0 % interest for paying on time, and I never received this either.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: NV

Complaint narrative:
Identity theft reported to company dispute was denied. I provided Identity theft report and incorrect information was still being reported

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am disputing a charged-off auto loan from XXXX XXXX XXXX XXXX In 2021, I purchased a used vehicle that broke down within two months. I attempted to fix the water pump, but the engine failed. The dealer told me I had violated the contract and demanded I return the vehicle. I complied. For two months, they gave me no real updates. Then one day, the car was towed back to my apartment still undrivable and missing parts from the engine bay. The dealership later went out of business. 

I never received a working vehicle, refund, or any resolution. I disputed the account with XXXX  and attempted with XXXX. No valid documentation has been provided. This debt is inaccurate and unfair under the Fair Credit Reporting Act. Im asking the CFPB to assist in having this account removed from my credit report, as it reflects a broken contract and incomplete 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