vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TekCollect Inc.
State: TX

Complaint narrative:
On XX/XX/year> I contacted Tekcollect about a bill I received for the amount of XXXX after talking with Tekcollect I requested supporting documents of the bill sent to them I received the document on XX/XX/year>. It was not my bill never been to that dentist and was not my signature.On XX/XX/year> I made a fraud police report sent a copy to Tekcollect. Tekcollect advice me to report it here.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I applied and was approved for the XXXX XXXX XXXX XXXX card by Bread Financial on XX/XX/year>. I used the card via XXXX XXXX  on XX/XX/year>. I wasn't able to use the card after that date. I had to call the account security department to be informed that I had to send additional documentation proving I am who I say I am. I emailed the required documents on XX/XX/year>. A few days later, I had to call and ask if they received the documents, but was told they were encrypted ( which is not true, it was just a link they had to press to view the documents ). I then mailed the documents to Bread Financial on XX/XX/year>. On XX/XX/year> I called and asked how long reviewing the documents would take, I was told up to 30 days. I emailed Bread Financials executive team the same day stating that holding an account for over a month without reason was unacceptable. I received no response other than an automated reply. I called Bread Financial on XX/XX/year> to receive a status of the account since it's been over a month since I sent the required documents. I expected the account hold to be withdrawn. I was then told by the account protection team representative it could take XXXX days which is XXXX XXXX longer than what I was originally told by the account protection team. I asked why there was a change from XXXX to XXXX XXXX  but received no answer. Since the dates kept changing and I received no clear answer on why the account was flagged in the first place, I requested to close the account. They refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
collection on my credit, not sure this is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK
State: NC

Complaint narrative:
I found out that my identity was stolen and multiple things were open in my name, I found this out one day because a sheriff came and knocked on my door handing me papers saying Im sued by discover for debt owed, Ive never had discover credit card, so this was a surprise to me. Ive lost my wallet before a while back with everything in it maybe they used my identity to do that

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
Tried to open a bank account and was denied was told I had another account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: AL

Complaint narrative:
Despite notifying Equifax that I do not recognize or owe these debts, they verified the accounts without providing any evidence or supporting documentation. No signed lease, agreement, or proof of responsibility was furnished. These accounts are not mine, and the credit bureau failed to conduct a reasonable reinvestigation as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). I am requesting the removal of these accounts from my credit file and proper documentation explaining how they were verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CIG FINANCIAL LLC
State: TX

Complaint narrative:
I am writing regarding my auto loan for a vehicle purchased at XXXX XXXX XXXX XXXX XXXX assigned to your company. At the time of signing, the finance manager informed me that unless I purchased a XXXX XXXX XXXX XXXX ( {$6500.00} ), XXXX XXXX XXXX XXXX ( {$1500.00} ), and XXXX XXXX ( {$990.00} ), my interest rate would increase from 17.49 % to 22.94 %. 

These products were presented as mandatory for approval at a favorable APR, which I now understand is not only untrue but an unlawful lending practice. I canceled all three products within a week of the sale and they were credited to my account. However, the interest rate and monthly payments remain unchanged, despite the fact that : The APR was directly tied to the forced purchase of optional products The products were canceled, and their cost removed The dealership falsely stated they were required for financing This violates the Truth in Lending Act ( TILA ) and possibly state deceptive lending laws. 

This practice violates : Truth in Lending Act ( TILA ), 15 U.S.C. 16011666 by misrepresenting the true cost of credit Regulation Z, 12 C.F.R. 1026.4 ( c ) ( 5 ) by improperly conditioning credit terms on optional products Texas Deceptive Trade Practices Act ( DTPA ), Tex. Bus. & Com. Code 17.46 ( b ) ( 5 ), ( 24 ) by misrepresenting benefits and making misleading statements about a loans terms These actions constitute unfair and deceptive lending and financial misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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:
I received an unsolicited email from a company called clarity report working with Experian reporting several inaccuracies and unknown accounts/information with a company I was not aware of and the documents state that Experian is sharing my personal information with them none of the information is accurate. I have never applied for nor do I currently have a loan with XXXX XXXX XXXX. I am a victim of identity theft. I have never applied for a personal loan through any of the companies listed on the clarity report. I have never applied for a personal loan anywhere that is a direct result of identity theft. I did not give Experian permission to share my personal information with that company " Clarity. '' With the exception of my name, ss #, current address, and current phone number, everything that clarity agent is reporting is inaccurate. I have never lived at any of those addresses nor are any of those phone numbers associated with me. Everything Clarity is reporting is a direct result of identity theft and they said they got the information from Experian. I would like for Experian to stop reporting information that is related to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On XX/XX/year>, I was charged {$4400.00} through a Wells Fargo debit card by XXXX XXXX XXXX XXXX a XXXX business ( registered in Washington State under XXXX number XXXX ). I reported the transaction to Wells Fargo within XXXX XXXX and the case was assigned claim reference # XXXX. Despite my swift report and full cooperation, my claim was denied a few days later because I could not provide a receipt. 

This response was inappropriate and inconsistent with consumer protections under the Electronic Fund Transfer Act ( EFTA ), which does not require a receipt for reporting unauthorized activity. My complaint is about Wells Fargos mishandling of my case, their failure to conduct a proper investigation, and their misapplication of EFTA standards.

Notably, I had posted a public review warning others about this organization. Months later, another customer publicly reported a similar incident involving a {$3300.00} charge by the same merchant. My warning wasnt taken seriously by Wells Fargo, and the fraudulent activity has clearly continued, suggesting a pattern that might have been prevented. 

When I called for clarification, Wells Fargo told me no prior complaints had been reported. They also misidentified the business as XXXX XXXX XXXX, a completely unrelated nonprofit. This shows a clear failure in basic merchant verification and due diligence. 

In the claim summary email Wells Fargo sent me, I was surprised to see the fraud reported as a wrong amount charged, when in fact, I had reported it as a completely unauthorized transaction. This misclassification distorted the nature of my complaint and likely influenced the denial. 

After the case was closed, I called Wells Fargos claims assistance department to correct the record and explain the full story. I made it clear that the charge was not a billing errorit was unauthorized debit card fraud. I asked them to reopen the case, but they refused, although I acted immediately and followed every required step. 

Additionally, I want to emphasize that I did not enter my PIN during this transaction. I was never asked to verify or authorize the payment in any way. For a transaction of {$4400.00}, the lack of any authentication raises serious concerns about the security protocols Wells Fargo has in place for debit card transactions. It further supports my position that this charge was completely unauthorized and should never have been processed, let alone upheld by the bank after I reported it immediately. 

I respectfully request that the CFPB : - Urge Wells Fargo to reopen and properly investigate this claim - Ensure EFTA protections are applied appropriately - Recognize the pattern of abuse linked to this merchant - Assist in recovering the funds I lost

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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to formally dispute an item appearing on my credit report in connection with your company, referenced under Dispute Number XXXX. According to my records, this account is either inaccurately reported or should no longer appear on my credit profile. 

Specifically : I dispute the validity or status of the account you are reporting. These remarks have been detrimental to my life and credit health. 

The account is listed as closed, and I am requesting verification of this status and the reason for the closure. As I was promised the account would be removed completely. 

If this account was sent to collections in error or has been resolved, I request that it be updated to reflect paid, resolved, or removed entirely, depending on the circumstances. 

As required under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this dispute and correct or remove any inaccurate, outdated, or unverifiable information from my credit file. Please provide documentation validating the account and your authority to report it. 

Please complete your investigation within the time allowed by law and provide written confirmation of the results. I would appreciate a prompt and fair resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: CA

Complaint narrative:
on XX/XX/year> i reached out to Cash App about 2 transactions that were not authorized by me. all cash app did was send me a replacement card then cashapp decided to shift the burden to me the consumer as if i was the bank, they forgot intentionally to credit my account ending in XXXX. Instaed they want to play games in hopes i don't speak up about this issue. i think cashapp is upto their old tricks ... Unathorized means Iam not liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: GA

Complaint narrative:
Upon reviewing my credit report, I was alarmed to discover an account that I do not recognize. this indicates i may have been a victim of identity theft. I am formally requesting the immediate removal of this account, as it is seriously damaging my credit and hindering my ability to access financial opportunities.

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 2025-06-28 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: WA

Complaint narrative:
I had my Personal info and personal documents stolen a while back and people used my name to get accounts and buy stuff under my name. This wasn't me, these are not my accounts. Please get this off my credit asap as its causing a major hardship in my life.

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 2025-06-28 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:
PLEASE CAN YOU HELP ME REMOVE THESE REPORTS OFF MY CREDIT PROFILE

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 2025-06-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-06-29 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: AL

Complaint narrative:
Despite notifying Equifax that I do not recognize or owe these debts, they verified the accounts without providing any evidence or supporting documentation. No signed lease, agreement, or proof of responsibility was furnished. These accounts are not mine, and the credit bureau failed to conduct a reasonable reinvestigation as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). I am requesting the removal of these accounts from my credit file and proper documentation explaining how they were verified.

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 2025-06-29 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: CA

Complaint narrative:
I am a victim of identity theft. Several accounts were fraudulently opened in my name by someone I know. I have followed the proper process to dispute these accounts under the Fair Credit Reporting Act ( FCRA ) and FTC Identity Theft Guidelines, including : Submitting an official identity theft report Providing my government-issued ID and proof of residence Sending written disputes via mail Requesting account removal under FCRA Section 605B Some accounts were removed by certain bureaus, but others continue to report even after removal by the original creditor or prior verification as fraudulent. Below is a list of the accounts involved : XXXX XXXX ( XXXX XXXX XXXX XXXX Fraudulent account. 
- Already removed from TransUnion and Equifax. 
- Still being reported by Experian, despite multiple disputes and full identity theft documentation. 

XXXX. XXXX XXXX XXXX XXXX - Originally removed as a fraudulent account due to identity theft. 
- Now being re-reported with a {$47.00} late payment, claiming unpaid interest. 
- Re-aging and re-reporting a previously removed fraudulent account is a violation of FCRA 623 ( a ) and possibly FCRA 605 ( c ). 
- This false derogatory mark is damaging my credit profile. 

XXXX. XXXX XXXX Collection ( XXXX XXXX XXXX XXXX ) - The original XXXX XXXX XXXX XXXX account was disputed and successfully removed for fraud. 
- XXXX XXXX is now reporting a collection based on that same fraudulent debt. 
- This is illegal under FCRA and FDCPA, as the original debt was already proven to be identity theft. 

XXXX. XXXX XXXX XXXX XXXX XXXX Account ) - Unknown account ; I have never done business with XXXX or XXXX XXXX. 
- No authorization, no signed agreement, and no recollection of any interaction. 
- Disputed as identity theft, and supporting documents submitted. 
- No validation has been provided by the collector or the bureaus.

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 2025-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
I am filing this complaint because Discover Bank is furnishing false and damaging information to XXXX  in violation of the Fair Credit Reporting Act. 

A Discover credit card account is being reported as CO ( charge-off ) every month from XXXX through XXXX, which is factually incorrect and legally impermissible. A charge-off is a one-time event. This repeated reporting violates FCRA 623 ( a ) and XXXX XXXX guidelines. 

I disputed this multiple times ( most recently XX/XX/XXXX ), and Discover failed to correct the data. 

This account is now poisoned with noncompliant and unverifiable information. I am not requesting a correction I am requesting full deletion of the tradeline from XXXX. 

If this is not resolved, I am prepared to pursue legal action under FCRA 616 and 617.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Update my personal information. 
Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX FL XXXX Employer : 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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Update my personal information. 
Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX FL XXXX Employer : XXXX XXXX

Company response to consumer: Closed with non-monetary relief