vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
XXXX replies each time I receives a phone call from the in the Later collection agency stating the amount is incorrect. I have sent letters requesting a complete statement of all payments made on this account dating back to XX/XX/XXXX. They will only send a few for XXXX and XXXX. 
I did go the XXXX XXXX in the latter part of XXXX. They gave me a signed statement of what I financed. I did not go back in XXXX because my wife had XXXX and a the XXXX XXXX came. The amount on the receipt shows how much was actually financed. On XX/XX/XXXX, I sent a certified letter to the collection company ( XXXX XXXX XXXX XXXX XXXX, requesting a complete statement of all payments made on this account dating back to XX/XX/XXXX. I never received it only a statement for a few payment in XXXX and XXXX. After I never received the information requested, I submitted a statement in writing via certified letter to Comenity Capital Bank, ( the credit company I went through all they sent was a bill. When you have service completed you receive a statement they are not sending a statement because they do not have one totaling that amount because, to my knowledge I did not go back after XXXX. I paid on that account for 4 years, plus my insurance paid {$1000.00}. In XXXX I had a house fire so all of my reciepts were lost. I did find my reciept for XXXX though it was in my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: VA

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-03 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: VA

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc
State: NV

Complaint narrative:
I am writing in response to a collection notice sent to me regarding an alleged debt. I do not recognize this debt, and under my rights as granted by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting a full validation and verification of this debt.

Company Name-PlusFour INC .

Original CreditorXXXX XXXXXXXX XXXX XXXX XXXXXXXX Please cease all collection activities, including reporting this debt to any credit reporting agencies, until you provide proper validation as required by law. 



This is false information and its now is harting my credit history as well.

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 2025-07-03 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
The specific issues are as follows : 1. Inaccurate Charges : My account was incorrectly charged for " excessive wear and tear. '' These charges were subsequently paid directly by the dealership, with the payment being backdated to a date prior to my lease termination. This demonstrates the initial inaccuracy of the charge.

2. Fraudulent Mileage Charges : I was charged for exceeding the mileage allowance based on a forged contract submitted by the dealership. I possess, and have previously mailed to GM Financial, the original, valid contract I signed, which clearly states a XXXX allowance. The contract GM Financial has on file, which was used to justify these overage charges, contains a forged signature.

3. Unlawful Credit Reporting : While I was actively and formally disputing
these demonstrably inaccurate charges and providing all necessary documentation, GM Financial reported 60, 90, and 120-day delinquencies to various credit bureaus. It is my understanding that reporting a delinquency on an amount that is under active, legitimate dispute is legally impermissible. The amount reported was also incorrect, further compounding the issue. 
As a direct result of these actions, my credit has been severely impacted, creating undue hardship. While the outstanding balance has since been corrected from nearly {$600.00} to a current amount of {$310.00}, the damage from the negative credit reporting remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing this complaint regarding an unauthorized balance transfer that occurred from my Bank of America ( BOA ) account to an account at XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX a bank with which I have no prior relationship. On XX/XX/XXXX, a transfer of {$7000.00} was made from my BOA credit card ( ending in XXXX ) to an unknown account at XXXX. I did not authorize this transfer and have no knowledge of the receiving account or bank. Additionally, a transaction fee of {$210.00} was charged in connection with this transfer. 

I immediately contacted BOA to dispute the transaction and requested a reversal ( claim # XXXX ), but the issue remains unresolved. I also contacted XXXX ; however, as I do not hold an account with them, they refused to provide any information or assistance. 

Steps I Have Taken : 1. Contacted BOA customer service on [ Date ] to dispute the unauthorized transaction.

2. Contacted XXXX, but was unable to proceed since I am not their customer. 
3. Despite these efforts, the funds have not been recovered, and I have not received any details about the recipient account involved.

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 monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: AL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-03 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: CA

Complaint narrative:
CFPB Complaint Failure to Provide Consumer Disclosure by Multiple Secondary Consumer Reporting Agencies On XX/XX/year>, I, XXXX XXXX XXXX, submitted formal written requests to the following consumer reporting agencies : XXXX, XXXX, and NCTUE. These requests included all required documentation to verify my identity including a copy of my Social Security Card, Proof of Residence, and Drivers License. Despite these legally sufficient submissions, many of these agencies either failed to respond entirely or falsely claimed I did not provide adequate identification. This is factually inaccurate and a direct violation of FCRA 1681g ( a ), which mandates that consumer reporting agencies must provide a complete copy of a consumers file upon request and proper verification. This pattern of obstruction prevents me from exercising my federally protected rights to access, verify, and dispute any data being collected or disseminated by these entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: MA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Incorrect information on your report — Account status incorrect
Company: 21ST MORTGAGE CORP.
State: LA

Complaint narrative:
In 2021, I voluntarily surrendered a manufactured home due to severe structural damage that made the home unsafe to live in. The home had significant water damage upon delivery, mold growth, and I personally fell through the floor. The seller/manufacturer went out of business shortly after the purchase, leaving me with no way to get repairs or seek legal remedy. I responsibly surrendered the home and have no balance owed. The finance company verbally agreed to remove the tradeline from my credit, but it is still being reported as a negative item.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: W&A Intermediate Co., LLC
State: SC

Complaint narrative:
This account is fraudulent under FCRA Section 605B. I am a victim of identity theft. I did not open this account. Please permanently remove it from my credit report immediately.

Account : Wakefield and Associates XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TN XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: EQUIFAX, INC.
State: RI

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Suttell, Hammer & White, P.S
State: CO

Complaint narrative:
I have reached out to the suttell and hammer law firm multiple times now regarding a collections debt I had with XXXX XXXX. 

I had made the full payoff for the debt ( non-settled ) and I was promised over the phone on a recorded call that the {$120.00} court fees would be taken care of as they were not allowing me to pay for them at the time of my original call which was now well over 30 days ago. 

Not only was the {$120.00} not taken care of, they falsely reported this balance to XXXX XXXX to reflect an inaccurate balance due on my credit causing it to effect my credit in a negative way by reporting another charge off month with no payment. 

I have called multiple times to request debt validation. They will not provide a timeline of when I will receive these documents. They will no longer comply and let me know if there is a balance of {$120.00} left. I have asked for a supervisor twice now and waited weeks with no response after leaving a voicemail. 

I had reached out to the law firm to request all call logs and notes in the account regarding this case and have yet to receive anything back. This is not only inaccurate reporting but negligence on behalf of the Suttell & Hammer Law Firm Team. They are violation my rights and this needs to be handled accordingly.

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 2025-07-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian XXXX XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-03 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 a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit

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 2025-07-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: CT

Complaint narrative:
I've been paying on my XXXX loan since XX/XX/XXXX at {$560.00} a month which equals XXXX as of today XX/XX/XXXX Regional Acceptance Corporation is reporting to the credit bureaus that I have XXXX some odd dollars balance on a loan for XXXX some odd dollars i don't know off hand the exact amount but that's the ballpark. The fraudulent reporting to the bureaus is effecting my XXXX XXXX. I want them to report the truth to the bureaus and make me whole again. Thank 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