vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc.
State: DC

Complaint narrative:
I did not receive the service that was advertised. The internet did not work for 2 months. I will not pay for internet that didn't work. I work from home and had to tether my XXXX XXXX XXXX cell phone just to attend meetings and check email. I tried all the troubleshooting steps of moving the base station around the house for a better signal, and nothing worked. I returned all equipment as instructed in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : XXXX XXXX XXXX Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
On XX/XX/XXXX, a payment was processed selecting to pay the balance of my credit card which was XXXX. The system made the payment twice and now I have a {$3800.00} credit. When I called on XX/XX/year> the XXXX XXXX ID ( XXXX ) said that they would take XXXX business days before I would receive a paper check and said there was no other method of returning the funds. He also said that I would not be reimbursed or credited interest for those funds.

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 2025-11-25 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 formally disputing the inaccurate information on my Experian credit report under the Fair Credit Reporting Act ( FCRA ), Section XXXX. I request that you investigate and correct the following accounts : Disputed Accounts : XXXX. Account Name : XXXX Funding Account Number : XXXX * * * * * * * * * * * * * * * Original Creditor : XXXX XXXX XXXX : {$430.00} Issue : This account is incorrectly listed as " Open '' when it should be closed or marked as settled. This violates the FCRA 's mandate for accurate account reporting. 
XXXX. Account Name : XXXX XXXX XXXX  Account Number : XXXX * * * * * * * * * Balance : {$20000.00} Issue : This account is inaccurately reported as " Open '' with delinquent status. The FCRA requires that all account statuses be accurate and verifiable, and this account does not comply. 
XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX * * * * * * * * * * * Balance : {$900.00} Issue : The account is incorrectly marked as " Closed '' with an unreported balance. This discrepancy violates the FCRAs accuracy standards.

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 2025-11-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX sent me a bill for a phone that I had not purchased. I only have XXXX and XX/XX/XXXX that I use. Upon calling and speaking to them the fraud department would not speak directly to me. It would only use email and they requested sensitive information that I was not comfortable giving them due to their recent data breach. This did not appease them and then they sent the fraudulent bill to debt collectors. This is causing more work from myself than whatever fraudulent person did this who is getting off free.

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 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
received PayPal credit card that I did not apply for nor did not want called them they said sent out a Email about this { never received it ] that they issued them and that this is the new preferred payment method which I did not change from my old card also I did not activate the card yet there is a {$5.00} charge on it for a movie ticket yet when I go on my PayPal account it has my old credit card as my preferred payment method don't know if they checked for my XXXX XXXX or if this will have a effect on my 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 2025-11-25 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:
I am submitting a dispute regarding the following accounts, inquiries, and late payment entries that appear on my credit report. I request that you investigate these items to ensure their accuracy and correct any discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ). 
Charged-Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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:
I am submitting a dispute regarding the following accounts, inquiries, and late payments that appear on my credit report. I request that you investigate these items to ensure their accuracy, and correct any discrepancies that may exist in accordance with the Fair Credit Reporting Act ( FCRA ). 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: OK

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX days. If they fail to do so, these items must be removed from my report. 

As more than XXXX days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-11-25 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 previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX days. If they fail to do so, these items must be removed from my report. 

As more than XXXX days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I requested validation through original contracts of accounts in my report that I didn't consent to. The bureau ignored this request despite sending them letters to provide information on these account, as it is really bothersome that someone might be using my identity to get into these transactions. I also tried to submit a complaint thru CFPB last XX/XX/year> with the report number XXXX but they closed it suggesting that it wasn't me who submitted the report which is wrong. I was the one who submitted the complaint! I have submitted my ID and SSN as an identification that it was me who did it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: VA

Complaint narrative:
I am writing to formally dispute several charged-off accounts appearing on my credit report. Below is a list of the accounts I am disputing. I request an immediate investigation into these accounts as the information reported is either inaccurate, incomplete, or improperly reported. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} Reason for Dispute : This account is inaccurately reported as charged off, and I believe there XXXX be reporting errors. I request an investigation into this matter. 

XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason for Dispute : This account was not properly updated or reported accurately, and I request a review of the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I was buying furniture and Synchrony Bank was offering XXXX percent financing. I applied jointly, even though I had ample funds to purchase the furniture. I call the bank as instructed and since my spouse wasnt available they wanted to turn me down Fortunately my wife walked in talked to the bank and in trying to use their XXXX XXXX  requirements we ran into issues. They the turned us down and said this would go against our credit report. We both enjoy XXXX XXXXedit ratings and believe we are being unduly penalized. I have since punched the furniture and used another company. Synchrony bank should remove this stain on our credit which is the result of a XXXX minute phone call.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

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 2025-11-25 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: VA

Complaint narrative:
I am writing to formally dispute and report serious inaccuracies on my credit report. The following items are incorrect and have caused significant harm to my credit profile : Incorrect Addresses XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX, XXXX, TN XXXX These addresses do not belong to me, and their presence on my credit file is erroneous. 

Incorrect Late Payment Reporting XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance Owed : {$0.00} XXXX XXXX * *, Date Opened : XX/XX/XXXX, Balance Owed : {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$0.00} I have never made any late payments on these accounts. The reporting of late payments is false and misleading. I request immediate correction or deletion of these inaccurate entries. 

Bankruptcy Information U.S. Bankruptcy Court Reference # XXXX, Date Filed/Reported : XX/XX/XXXX The reporting of my bankruptcy case is inaccurate in its current form. I request that all related credit entries reflect the correct information in compliance with federal law. 

These inaccuracies are affecting my ability to access credit fairly. Under the Fair Credit Reporting Act ( FCRA ), I request that these items be fully investigated and corrected or removed immediately. Please confirm receipt of this complaint and provide an update on the actions taken to resolve these issues.

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 2025-11-25 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: FL

Complaint narrative:
I am submitting a dispute regarding the following accounts, inquiries, and late payment entries that appear on my credit report. I request that you investigate these items to ensure their accuracy and correct any discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ). 
Charged-Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: CA

Complaint narrative:
My vehicle was repossessed on XX/XX/year>, the whole time Ive been in communication with my lender regarding payment status. I was told in order to get my car back I would have to pay the remainder owed on the loan which was {$3300.00}, on Wednesday XX/XX/year> that payment was made to Westlake financial. I was informed that my car would be released immediately and I would be ok to schedule an appointment with the towing company. Following me scheduling an appointment it was canceled due to the vehicle still not being released. I called back Thursday XX/XX/year> and was told to give it until Friday to be released. I called westlake financial on Saturday XXXX XXXX to get a status on my release and I was told car was released but i would have to contact the auction yard on Monday XXXX XXXX. Monday XX/XX/year> per the auction company they do not have my vehicle, I contacted west lake again to get a status and the representatives continue to dismiss my concerns and hang up on me. After many failed attempts in trying to figure out what is going on with my vehicle I still have no solution. It is not XXXX XXXX and I still have no update what so ever

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I paid off my entire balance and called customer service to close my account. They confirmed its closure but kept the account open and accrued interest and late fees. I paid all the fees and requested it closed a second time. The customer service representative confirmed its closure a second time but it stayed open again accruing interest and late fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: FL

Complaint narrative:
Please regard this correspondence as my formal dispute of the referenced accounts. I have no connection to them and did not authorize their establishment. I respectfully request their removal and a comprehensive review. Supporting documentation is enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX or XXXX, I contacted Wells Fargo via the phone regarding fees associated with an international wire. I was told that the only fee would be a {$25.00} wire fee. I specifically asked if there were any other currency exchange fees or commissions that would be charged and I was told " No '' the only fee that would be taken was the {$25.00} wire fee. 

On XX/XX/XXXX the money was transferred from XXXX Bank in XXXX to my XXXX Wells Fargo account. Wells Fargo took a 2 % currency exchange fee. At that point I went into a Wells Fargo XXXX in XXXX XXXX, NV and sat down with personal banker hoping to reject the wire, or get the 2 % fee waved. After XXXX hours of them escalating the issue on the phone with their support team, we were told that the wire hadn't posted to our account, so there was no way to reject the wire, but if we came back in the following business day we would be able to reject the wire. We were also told at that time if the wire amount was larger {$500000.00} they would have waved the fee. 

XX/XX/XXXX, we went into another branch ( we were traveling at the time ) in XXXX XXXX, CA. We sat with another personal banker who read the case notes and call their support team. After another XXXX hours we were told there was never a way for Wells Fargo to reject the wire but that the bank that sent the wire needed to recall the wire. At this time, the personal banker in XXXX XXXX forwarded a complaint to the Wells Fargo escalation team and to expect a phone call. 

We did receive a phone messages on XX/XX/XXXX and XXXX from an escalation team member at Wells Fargo. We did return those calls, but were never able to connect. On XX/XX/XXXX, we were informed that the case was being closed. 

Since this time, XXXX Bank has sent XXXX separate requests to recall the wire and Well Fargo has not responded. XXXX Bank reached out on XX/XX/XXXX, XXXX and XXXX. XXXX Bank is now saying that they need us to nudge Wells Fargo to respond. 

XX/XX/XXXX, we went into another Wells Fargo branch and were now told, there is nothing a branch can do, that the Wells Fargo escalation team is the only way to try and resolve this issue.

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 2025-11-25 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: CA

Complaint narrative:
I am requesting a full reinvestigation of the items listed below on my TransUnion credit report. These accounts appear to be inaccurately reported and may not reflect my true credit history. Please remove any information that can not be verified according to FCRA guidelines. 

CHARGED-OFF ACCOUNTS ( TU ) XXXX XXXX XXXX XX/XX/year> XXXX INQUIRIES ( TU ) XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> LATE PAYMENTS ( TU ) XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief