vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was scammed by a wells Fargo call scammer and processed transfer between my accounts I didn't authorized was cleaned on savings account with XXXX it was deposited in a XXXX account XXXXXXXX XXXX  has the information of the scammer

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 2025-07-14 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: TX

Complaint narrative:
I am formally stating that I am not liable for the collection account recently listed on my credit file. I have never entered into any agreement or obligation associated with this debt.

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 2025-07-14 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: TX

Complaint narrative:
Out of good faith and concern for the integrity of my credit history, I am writing to dispute a collection account that has been mistakenly associated with my credit report. I had no involvement with this debt and am confident it does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: NJ

Complaint narrative:
I am writing to formally address an issue concerning the reporting of my account to the major credit reporting agencies.I entered into a loan agreement with XXXX XXXX. A tradeline reflecting this account was added to my credit reports shortly thereafter. On my first payment was reported to the credit bureaus. However, since that date, no subsequent payments or updated balances have been reported. This lack of accurate and complete reporting has negatively impacted my credit scores and does not reflect my current payment history or account status. The Fair Credit Reporting Act ( FCRA ) requires that information furnished to consumer reporting agencies be complete and accurate. The withholding of payment and balance histories constitutes a violation of this obligation. Accordingly, I respectfully request that XXXX XXXX immediately update my account information with the credit reporting agencies to accurately reflect my full payment and balance history.

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 2025-07-14 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: NJ

Complaint narrative:
I am writing to formally address an issue concerning the reporting of my account to the major credit reporting agencies.I entered into a loan agreement with XXXX XXXX. A tradeline reflecting this account was added to my credit reports shortly thereafter. On my first payment was reported to the credit bureaus. However, since that date, no subsequent payments or updated balances have been reported. This lack of accurate and complete reporting has negatively impacted my credit scores and does not reflect my current payment history or account status. The Fair Credit Reporting Act ( FCRA ) requires that information furnished to consumer reporting agencies be complete and accurate. The withholding of payment and balance histories constitutes a violation of this obligation. Accordingly, I respectfully request that XXXX XXXX immediately update my account information with the credit reporting agencies to accurately reflect my full payment and balance history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FlexShopper, Inc
State: MO

Complaint narrative:
I was contacted by XXXX XXXX from XXXXXXXX XXXX XXXXXXXX claiming I owe a debt from XXXX claim I ignored several notifications. I advised him I did not receive anything and asked if he could validate amount and the debt in question in which he failed to do. He then became very aggressive saying I need to pay immediately before action is taken against me. I again requested information regarding the debt. He got smart saying I didnt want to help myself so I hung up, he called back I hung up on him again, he called back I told him I was working and I hung up again he called back and left a nasty message on my answering machine accusing me of stealing something over XXXX yrs ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-14 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: IN

Complaint narrative:
I have previously disputed 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
I, XXXX XXXX XXXX, am a verified victim of identity theft and was also impacted by the XXXX XXXX  data breach, which further compromised my personal information. In addition, my identity was stolen during a vehicle break-in in XXXX, XXXX, where my XXXX, drivers license, and credit cards were taken. That information was used fraudulently by an individual named XXXX XXXX, resulting in false arrest records and fraudulent financial activity. The XXXX  Department of Law Enforcement ( XXXXDLE ) confirmed that my identity has been compromised and is actively working to remove the fraudulent records from their system ( Case No. XXXX ). 

I am also disputing accounts and collections reported by XXXX XXXX XXXX and NBC Management Services Inc. I have never conducted business with either agency and believe their records are tied to the fraudulent use of my stolen identity. I dispute all accounts, collections, or records associated with these entities. I am requesting the immediate removal and suppression of any and all inaccurate or fraudulent data linked to my identity from your files. Also all three credit bureaus are reporting incorrect dates, balances and other items that do not match up. I have reached to them Mutiple times and received letters they believe its not me and credit repair company this violates my fcra laws. 

Full Name : XXXX XXXX XXXX XXXX : XX/XX/XXXX | Last 4 SSN : XXXX Address : XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX Phone : XXXX | Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: TX

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$450.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX  Date : XX/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 2025-07-14 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: TX

Complaint narrative:
Please delete this unauthorized account from my credit report, as it is not associated with me. I also request a prompt investigation to identify and correct any other errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: TX

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 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 : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$670.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$30.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$29.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$100.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$10.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$72.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$650.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/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 2025-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I solemnly affirm. Under the risk of legal consequences that i am making an allegation against an individual or a company. According to this claim, they utilized my security number and card, along with other personal identifying information, without my consent, to apply for goods, services, or funds, unfortunately, they succeeded in creating several accounts through this unauthorized action. I want to emphasized that i have no knowledge of these activities, and the matter is currently under investigation by the FTC.Unauthorized Accounts.XXXX XXXX XXXXXXXX

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 2025-07-14 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: VA

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 explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
This company Comenity Capital Bank deducted an amount equivalent to the loan being paid off for a ring purchase loan after XXXX yrs of paying monthly payments then proceeded to double the loan amount and send it to collections. When i asked for the debt to be validated they reopened the account and reported it to the agencies as a new account after they had sent me a charge off letter. So in effect they sold the debt to XXXX XXXX XXXX which also shows up on my credit as a collection charge off for the exact same debt. So it appears twice on my credit reports but yet they cant validate either of those even after i sent them XXXX XXXX requests twice by mail and ill provide a copy of the letter below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: TX

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNTS : XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$19000.00}

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 2025-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-07-14 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: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
In XXXX my Chase Sapphire XXXX credit limit was lowered from XXXX XXXX dollars to XXXX XXXX XXXX XXXX dollars without any prior notice or explanation Shortly after this reduction a XXXX XXXX dollar payment I scheduled was charged twice to my account Although I disputed this with Chase and both charges were reversed the account balance was not properly adjusted I have been charged excessive interest fees at a XXXX XXXXXXXX XXXXt XXXX XXXX percent XXXX despite maintaining timely payments including over XXXX XXXX dollars in interest fees during XXXX  Additionally a XXXX XXXX dollar late fee and a XXXX XXXX dollar annual fee were charged during this dispute period I have made multiple attempts to resolve these issues directly with Chase customer service however the responses have been generic and insufficient to correct the account discrepancies or explain the sudden credit limit reduction These actions appear to be inconsistent with fair lending and account management practices and have adversely affected my financial stability and available credit I am requesting that my credit limit be restored to the original XXXX XXXX dollars my XXXX be lowered to a fair and reasonable rate all erroneous fees and interest charges be removed and a clear explanation for the credit limit reduction be provided Please contact me exclusively via email regarding this matter. I do not consent to phone communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have a previous complaint for this credit carder company. I made a XXXX dollar purchase. I called before I got the bill the number on the back of the card I received and paid it in full. Cut the card and disposed of it. A month later I get a bill for XXXX for late fees and interest!!! I called again and told them this was paid the date. They tried to say it was late I told them it was not! I read him my bank started and when it came out. 
In order to close the account I called back and paid the XXXX false charges. The gentleman told me that was the total. I paid it and closed the account and filed a report here! 
Today I get a new bill with XXXX interest and another late fee!!!!! I called again again and spoke with the supervisor stating I have paid this off. She tells me it doesnt matter that my bank shows the money was deducted before the due date it takes time to register on their end so I get charged the late fee! So today I just paid another XXXX dollars I shouldnt have had to pay! 
This is the most crooked card I have ever dealt with in my life! I have a perfect payment history on my credit report! Never have I seen a company rob people so much!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX [ Date ] XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX Re : Request for Immediate Blocking of Fraudulent Information Under FCRA 605B Dear Experian Representative : I am writing to formally demand the removal and blocking of fraudulent accounts and personal information from my credit file, pursuant to the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S.C. 1681c-2 ).

I am a victim of identity theft, as documented in my enclosed FTC Identity Theft Report ( Report No. XXXX ). During the period when these accounts were opened, I was incarcerated with the XXXX XXXX XXXX XXXX and could not have opened them. 

Please permanently block the following fraudulent accounts and personal information from my XXXX credit report : Bank of America Type : Auto Loan Opened : XX/XX/XXXX Fraudulent Amount : {$110000.00} Affirm Type : Personal/Business Loan Opened : XX/XX/XXXX Fraudulent Amount : {$710.00} Account No. : XXXX Fraudulent Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX I have previously disputed these items, yet they continue to appear on my credit report. Under FCRA 605B, you are required to permanently block this information from appearing in my credit file within XXXX business days of receiving proper documentation. 

Enclosed are the following documents to support my request : FTC Identity Theft Report # XXXX Copy of my government-issued ID Utility bill as proof of my current address Please send me written confirmation when these items have been permanently blocked and removed from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, [ Your Signature ] 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