vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: NC

Complaint narrative:
I am disputing an account being reported to credit bureaus by this collection agency. I have not received any validation of the debt as required by the Fair Debt Collection Practices Act ( 15 USC XXXXg ) and requested its removal under FCRA ( 15 USC XXXX ). The agency has failed to provide proof of the debt, the original contract, or authorization to collect. This is inaccurate, unverifiable, and may be the result of identity theft or mistaken reporting. I demand its immediate removal and cessation of all collection efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am filing a complaint regarding an inaccurate and incomplete charge-off entry on my TransUnion credit report from XXXX, listed as of XX/XX/XXXX. 

The account reports a charged off as bad debt status with a remaining balance of {$110.00} and 88 % credit usage. However, the last payment was made in XX/XX/XXXX, yet the charge-off is dated XX/XX/XXXX this discrepancy raises questions about the accuracy of the reporting. 

Additionally, there is no payment history profile, no proof of balance validity, and no indication of whether the account has been sold or remains with the original creditor. 

Under XXXX XXXX and the Fair Credit Reporting Act ( FCRA ), this constitutes inaccurate and unverifiable reporting. Specifically : A charged-off closed revolving account must include a full Payment History Profile ( FHP ).

The reporting of 88 % credit usage on a closed tradeline is misleading. 
The balance should be XXXX if the account has been sold, transferred, or written off. 
The timeline between last payment and charge-off appears inconsistent and unverifiable. 

Due to these violations, I am requesting the immediate correction or deletion of this account from my credit report.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
On XXXX there was an inquiry from XXXX XXXX did not authorize this and is infringing on my personal credit report

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 2025-07-18 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: NJ

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: AR

Complaint narrative:
I am requesting a correction to a closed installment account from XXXX reporting on my XXXX report dated XX/XX/year>. 

The account reflects Paid or paying as agreed, which is accurate, but the monthly payment field is incorrectly reported as 100 % rather than a dollar value, violating Metro 2 data format standards.

Additionally, no Payment History Profile ( FHP ) is displayed, despite the account being open for 24 months. This omission affects creditworthiness evaluations and completeness of reporting.

Under the Fair Credit Reporting Act ( FCRA ) 611 and Metro 2 guidelines, I am requesting that the inaccurate 100 % monthly payment field be corrected and the full payment history profile be added or confirmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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:
Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX DOB : XX/XX/XXXX SSN Last 4 : XXXX Subject : TransUnion and Equifax Willful FCRA Violations and Refusal to Block Identity Theft Account ( XXXX XXXX  ) Complaint Summary : I am a verified victim of identity theft and was impacted in the XXXX Equifax Data Breach, confirmed through the official settlement portal. The fraudulent XXXX XXXX account ( XXXX | {$11000.00} ) appeared on my credit report following this breach and is causing serious harm to my life, including denials of credit, emotional distress, and reputational damage. 

Despite providing full legal documentation, both TransUnion and Equifax have refused to remove and block this fraudulent account under their obligations outlined in the Fair Credit Reporting Act 605B ( 15 U.S. Code 1681c-2 ). 

I have submitted : FTC Identity Theft Report ( # XXXX ) Police Report Government-issued ID Proof of Address Equifax Breach Confirmation ( Engagement No. XXXX ) I demand that the CFPB intervene and compel both bureaus to : 1. Permanently delete and block the XXXX XXXX account under FCRA 605B 2. Cease and desist from any and all future reporting of this account 3. Ensure a full manual reinvestigation under FCRA 1681i and 1681e ( b ) not automated e-OSCAR dispute coding This dispute contains material that can not be adequately reduced to standard e-OSCAR codes. It must be reviewed by a live human investigator for full legal compliance.

Violations Committed : Failure to block identity theft account after receiving full 605B package Reporting of inaccurate and unverifiable information under 1681e ( b ) Failure to conduct a lawful reinvestigation under 1681i Continuing to furnish data in violation of 1681s-2 Causing measurable harm and distress from willful noncompliance Relief Requested : Immediate and permanent deletion of XXXX XXXX  account ( XXXX ) Full compliance with FCRA 605B block within 4 business days Written confirmation that the account will never be reinserted Damages, if appropriate, for failure to comply with identity theft provisions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I, XXXX XXXX, am filing a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) for attempting to collect a debt allegedly owed to American Express under account ending in XXXX account I never applied for, authorized, or used. I am a documented victim of identity theft, and this account appears to be fraudulently opened using my personal information. 

There is currently an open identity theft case with the XXXX XXXX XXXX Police Department, which has been escalated and assigned to an economic crimes detective. I have also filed an identity theft report with the Federal Trade Commission ( FTC ) specifically related to this fraudulent American Express account. 

Immediate Action Requested : I demand that XXXX immediately cease all collection activity regarding this alleged account until full debt validation is provided and reviewed. I am also requesting the following documentation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) : A copy of the original credit application used to open the American Express account ending in XXXX. 

A copy of the signature used to open the account. 

Documentation showing legal authorization by American Express granting XXXX the right to collect on this debt. 

Proof of ownership or assignment of debt to XXXX, including full chain of custody. 

A full itemized account breakdown of the alleged debt. 

Privacy and Data Rights : I explicitly request that my personal information not be sold, shared, or transferred to any third-party entities, data brokers, or external collection agencies. I previously made this request directly to American Express, and I expect XXXX to uphold the same data protection standards and comply with applicable privacy laws. 

Disclosure or transfer of my personal data without my consent may constitute violations of : Gramm-Leach-Bliley Act ( GLBA ) Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681b and 1681e Consumer Financial Protection Act ( Title X of the Dodd-Frank Act ) regarding unfair, deceptive, or abusive acts or practices ( UDAAPs ) Legal and Regulatory Concerns : ARSIs actions may constitute violations of federal laws, including : FDCPA, 15 U.S.C. 1692g for failure to provide debt validation upon request. 

FCRA, 15 U.S.C. 1681s-2 for potentially furnishing inaccurate or unverified debt information to credit reporting agencies.

CFPA / Dodd-Frank , 12 U.S.C. 5531, 5536 for potential unfair or abusive collection practices.

Furthermore, continuing to collect or report on a fraudulent account after being notified of an active identity theft case is a serious federal offense and may also violate state consumer protection statutes in Florida.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Experian has failed to fulfill its obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-07-18 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: TX

Complaint narrative:
Experian has failed to fulfill its obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had a charge that was told was going to be refunded by the merchant, with proof of them saying such. This bank has decided to terminate my account as of XX/XX/year> they has further gone to prevent me to seeing my current account balance. This was after the original closure was set. They have done this to prevent me from accessing my 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 2025-07-18 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: AR

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am in the middle of a homeowners insurance claim. A tree fell on my house XX/XX/XXXX. The insurance company disagreed with the scope of repairs. I had to hire a public XXXX to represent me. We now have an agreed upon repair scope. The original scope was for {$160000.00} ( approx. ) and has been updated to {$420000.00} ( approx. ). The insurance company has sent me XXXX checks. XXXX for {$120000.00} and another for XXXX totaling {$130000.00}. I need to pay my public XXXX his fee to have the claims funds released. I have requested multiple times to Wells Fargo to allow a signature guarantee on the check so that I can pay my XXXX and then release the balance to my XXXX to re-start repairs on my home. I have submitted to Wells Fargo the XXXX worksheet, sworn proof of loss, contract agreement for repairs with my XXXX, along with a signed repair affidavit. I submitted documentation on XX/XX/XXXX, made multiple phone calls, and gone into a Wells Fargo branch location and they are refusing to release the 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 2025-07-18 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Global Lending Services LLC
State: UT

Complaint narrative:
My partner and I share the auto loan through Global Lending. He is the primary and I am the co-borrower. We fell behind originally in XXXX due to moving but still made a partial payment and advised them that we would be able to pay the rest as soon as possible. However, due to him being hit by a truck that ran a stop sign and failed to yield to oncoming traffic on XX/XX/year>, we fell further behind due to him being hospitalized and out of work. He went back to work on XX/XX/year>. They call both of us multiple times a day even if we call in to speak with them or answer their calls. We have told them to reduce the call frequency, and they do not stop blaming their " automatic system ''. The calls have not stopped, even after setting up payment arrangements and advising of financial hardship. This is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I am disputing an auto loan reported by Santander on my credit file. While I was listed as the primary on the application, the vehicle was delivered to and used solely by the co-signer, who assumed full responsibility for the loan and the vehicle. I never made a single payment, never had possession or control of the vehicle, and was not involved in the default. Despite this, Santander is reporting me as fully responsible for the charge-off, which is inaccurate and unjustly harming my credit profile.

Under FCRA 623, data furnishers are required to report only accurate and verifiable information. I am requesting Santander provide documentation verifying my direct responsibility for the loan, including proof of possession, payment history linked to me, and communication addressed to me. If Santander can not verify this responsibility which I assert was assumed entirely by the co-signer I am requesting that the tradeline be removed from my credit reports immediately. 

This is a significant and ongoing detriment to my credit standing during a time-sensitive mortgage application process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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 have submitted multiple formal dispute letters to Experian Information Solutions Inc .

regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 explanation
Consumer complaint received 2025-07-18 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: NY

Complaint narrative:
I am writing to bring to your attention several hard inquiries that have recently appeared on my credit report, none of which I authorized. I have never applied for credit with the entities responsible for these inquiries, and I have serious concerns that my information may have been used without my 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 2025-07-18 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief