vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-22 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned account, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-11-22 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned account, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

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 XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
Fair debt Collection Practices Act ( 15 U.S.C 1692g. The account information you are reporting to credit bureaus is incomplete and unverifiable. I am requesting for this account to be deleted from all of my consumer accounts ( XXXX XXXX XXXX XXXX XXXXXXXX. 
Please provide complete documentation providing this debt is valid and legally enforceable, including ; XXXX. The original signed contract/agreement bearing my signature. 
XXXX. A full itemization of the {$5900.00} XXXX. The name and address of the original creditor and all subsequent owners, with copies of any assignment of sale documents. 
XXXX. Proof that National Credit System is licensed and authorized to collect debts in Alabama.

5. Chain of custody 6. Securitization 7.The date of last payment Until proper validation is provided, Cease all collection activity, including calls, letters, or credit-bureau reporting . If the debt has been reported, it must immediately be deleted.

Failure to comply will result in formal complaints to the Federal Trade Commission ( FTC ) and the Alabama Attorney Generals and may lead to legal action of statutory damages. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I found these account numbers duplicated on my credit report. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: CA

Complaint narrative:
ct : Request for Reversal of Denied Dispute Wells Fargo / XXXX To Whom It May Concern, I am filing this complaint regarding Wells Fargos denial of my dispute with XXXX. While I authorized the original purchase of {$6800.00}, the vendor failed to deliver the tickets I paid for. 

Vendor breach : I never received tickets. Instead, I was told to go to the venue and beg for entry, which confirms the vendors failure to provide the product. 

Partial refund only : After first stating they would not refund anything, XXXX returned only 10 % of the purchase price ( approximately {$680.00} ). 

Evidence submitted : I provided proof that tickets were never delivered and that the vendors actions were improper. 

Denials based on false claims : Wells Fargo denied my dispute twice, despite clear evidence of breach and inadequate refund. 

Requested Resolution : I respectfully request a full reversal of the disputed charges, including the {$6800.00} purchase less the partial refund already issued, and a formal review of Wells Fargos denial process in this matter.

This situation has caused losses far beyond the original purchase amount, and I ask XXXX to investigate thoroughly to ensure consumer protection standards are upheld. 

Sincerely, XXXX XXXX XXXX XXXX Fri, XX/XX/XXXX, XXXX XXXX : Fulfillment ( MTT ) XXXX via XXXX. 
to me XXXX, Luckily as I thought may have been the case, only the tour merchandise was shipped to the address provided. 
Your tickets will be transferred via XXXX by XX/XX/year>. Per our seller, you can also expect an email with your itinerary outlining your transportation by XXXX. 
Please await those updates but this will be delivered via direct transfer. 
Thank you, XXXX XXXX. 
Customer Support Team MyTicketTracker ( XXXX ) XXXX XXXX XXXX EST to XXXX XXXX EST 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 monetary relief
Consumer complaint received 2025-11-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I received a letter from Capio Partners a debt collector requesting an amount due of {$400.00} for a hospital bill owed to XXXX XXXXXXXX XXXX  XXXX XXXX. The date of the amount owed is XX/XX/year>. My last visit to this facility was XX/XX/year>. My health insurance paid for this service in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY
State: KS

Complaint narrative:
My small business American Express checking account has been debited ( XXXX & XX/XX/year> ) by my former accounting firm without authorization and without providing the contracted services. I revoked XXXX authorization and contacted American Express mulitiple times requesting that the withdrawls be blocked and disputed. 

American Express has refused to open a regulation E or NACHA unauthorized ACH dispute and repeatedly told me to " resolve it with the vendor, '' even though the vendor has been unresponsive and will not communicate. This is directly impacting my business cash flow, especially after hiring a new accounting firm. 

I need American Express to : 1. Open a formal unauthorized ACH dispute for the XXXX and XXXX debits. 

2. Block the vendor from any future debits 3. Confirm in writing the investigation and timeline I have documentation showing the vendor has not provided services and is not responding. I simply need AmEx to follow required dispute procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
XXXX party attempt to collect medical debt that I never signed for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: CA

Complaint narrative:
am submitting this complaint because my personal information was exposed in a data breach involving TransUnion, Experian, and Equifax. I did not authorize the release or exposure of my information. As a result of the breach, my sensitive datasuch as my name, Social Security number, and other identifying informationmay have been accessed by unauthorized parties. 

I am concerned about potential identity theft, fraud, and long-term harm resulting from this breach. I am requesting that the credit bureaus provide a clear explanation of what happened, what specific information was compromised, and what steps they are taking to protect my data and prevent further misuse. I also request support such as fraudulent accounts be removed that I have supplied on the FTC report, credit monitoring, or any additional protections available or than and not limited to a Freeze or fraud alert I don't want that on my report. 

I want to ensure my information is secured and that the companies take responsibility for addressing the risks created by this breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 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:
am submitting this complaint because my personal information was exposed in a data breach involving TransUnion, Experian, and Equifax. I did not authorize the release or exposure of my information. As a result of the breach, my sensitive datasuch as my name, Social Security number, and other identifying informationmay have been accessed by unauthorized parties. 

I am concerned about potential identity theft, fraud, and long-term harm resulting from this breach. I am requesting that the credit bureaus provide a clear explanation of what happened, what specific information was compromised, and what steps they are taking to protect my data and prevent further misuse. I also request support such as fraudulent accounts be removed that I have supplied on the FTC report, credit monitoring, or any additional protections available or than and not limited to a Freeze or fraud alert I don't want that on my report. 

I want to ensure my information is secured and that the companies take responsibility for addressing the risks created by this 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 explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
A collection account from Transworld Systems appeared on my credit report for a telecommunications ( XXXX  ) debt. I am not sure this debt belongs to me, and I have never received any validation or documentation proving that I am responsible for it. 

I did not receive : The original contract Any signed agreement Any bill from the original creditor Proof that I am the correct consumer This collection account is damaging my credit score and seems to have been reported without proper verification. I am requesting a full investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: FL

Complaint narrative:
Account Reference XXXX My Netspend/XXXX  account was closed on XX/XX/year>. I was told a check for my remaining balance of {$930.00} would be mailed to me. I have not received any check or refund. Every time I call, Im told something different and nothing gets resolved.

Netspend informed me that I need a koi letter so the funds can be returned to the original depositor, but the depositor has not received anything from XXXX and the funds have not been returned. 

I need my money released immediately. The account is closed, the funds belong to me, and I have been waiting far too long without any action. Please issue the loi letter, confirm the status of my refund, and provide a timeline for when I will receive my {$930.00}. They also said that I should expect a check no later than XX/XX/XXXXXXXX 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 2025-11-22 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I submitted a dispute regarding several inaccurate accounts on my consumer report. The response I received was generic and failed to explain the specific procedures used to verify the information, which raises compliance concerns under the FCRAs requirement for a reasonable reinvestigation. I provided a clear basis for my dispute, yet the bureau did not identify what data, documents, or sources were used to validate the reporting. 

I am requesting a complete explanation of how these accounts were verified. This includes : Any documents, data, or records used during the reinvestigation Whether certified or original source documents were reviewed The identity of the furnisher representative the bureau contacted, along with the date, time, and duration of that communication The identity of the bureau employee who conducted the reinvestigation Any information or materials that were shared with the furnisher Without this information, there is no way to determine whether the reinvestigation met the standard of accuracy and completeness required by federal law. If the bureau can not produce evidence showing that a reasonable reinvestigation took place, these disputed accounts must be deleted from my credit report as required when the accuracy of an item can not be confirmed.

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 2025-11-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I recieved a large inheritance from my Father 's estate. It took a while to go through but after that no problem. I attempted a XXXX wire transfer to the XXXX  exchange XXXX. I did this for investment purposes. Instead of contacting me, asking me what it was for, my account was locked and I was not given any opportunity to provide my side. I was told completely false information, that I recieved a wire transfer then sent the money back out. What happened is I sent the wire transfer incorrectly and recieved a refund. I was not allowed any opportunity to explain, provide evidence supporting my side, or even get an actual explanation to what was going on. I was treated guilty until proven innocent and now my account has been closed and they will not give me any information on when I should recieve my funds ( nearly every XXXX  I have was in my bank accounts with them ). I thought bank of america was a trustable institution which is why I trusted them to hold a large amount of money. During this i was not contacted, treated like a criminal, and now have to find a way to pay bills when they have forcibly taken away my access to my money. They refused to let me submit proof that would have shown that their information was wrong. Is this normally how banks treat their customers? If so I was given no warning when opening up my account. I feel I have been decieved and I have definitely been quite inconvenienced in a way that has actual real world costs to me. They are basically claiming that it is their decision what I do with my money. That is not how a bank is supposed to work unless said activities are iilegal. DO NOT TRUST BANK OF AMERICA TO KEEP YOUR MONEY SAFE OR TO MAKE DECISIONS IN YOUR BEST INTEREST

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 2025-11-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
Credence Resource Management is reporting an XXXX XXXX XXXX collection account for {$2900.00} that is inaccurate and unverified. The account shows inconsistent dates, incorrect status updates, and lists the account as investigation complete even though no validation or documentation was provided. 

I disputed the item with XXXX, but XXXX marked the dispute as complete without providing a Method of Verification, which is required under FCRA 611 ( a ) ( 7 ). Credence has not supplied any contract, service agreement, billing statements, or proof that the account belongs to me or that the balance is accurate. 

Credence is reporting unverifiable information, violating both the FCRA and FDCPA. I request that the CFPB require Credence to provide full validation or remove the account immediately from all credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I signed a security agreement with XXXX Back in XXXX. XXXX deducted $ XXXX from my mortgage balance during that time payable ( balloon payment ) XXXX, XXXX. In XXXX, XXXX transferred their accounts to Huntington Bank. After not being able to refinance due to the mortgage lien balance, I contacted Huntington concerning a settlement twice ( $ XXXX and $ XXXX ) which were both denied. My current mortgage lender is XXXX XXXX  who reported that my payment would double if I refinanced the lien of $ XXXX. 

Huntington Bank is not concerned about my current household income which is less than half of what it was in XXXX. A Huntington representative reported that my current offers were denied due to my homes current alleged value.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: EQUIFAX, INC.
State: MS

Complaint narrative:
For more than half of the year and probably longer, I have been unable to log into the myequifax account to view my score or report. I have made several phone calls to fix this issue, and every time I call in it's the same dance which ends in " we will escalate this issue to a special team and they will follow up. '' except there's no escalation or follow up. It is always me having to call back in to repeat this issue. Even when I reported it on here and they requested information to " verify me '' as if I haven't verified myself XXXX times, I still sent it in, and still nothing. I still to this date can not log in to my account. Before filing this again I called to receive customer service support and it ended as it always does, with an " escalation to special team ''.

Company response to consumer: Closed with explanation