vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I contacted XXXX XXXX  in addition to Comenity Capital Bank, the financial management that services for XXXX XXXX, to dispute the charges made on XX/XX/XXXX for {$2300.00} on the credit card account. I was never informed in advance of the accrued interest on the charge that was made on my credit card on XX/XX/XXXX of {$2300.00} made by this credit card company. 

To date, I have been unable to log into my account on the XXXX XXXX website to view my monthly statements and have not received a copy of the original credit card contract that I have requested over the phone. I called XXXX XXXX multiple times between XX/XX/XXXX and XX/XX/XXXX to get an explanation for the sudden increase in my credit card balance, which was shown as {$4200.00} on my XX/XX/XXXX, statement. Since I am still unable to log into the XXXX XXXX  account website, on XX/XX/XXXX, I called XXXX XXXX regarding this large new balance, as I have not used this credit card since XX/XX/XXXX. After speaking to a customer service representative, I was horrified to find out that on XX/XX/XXXX, my credit card was charged {$2300.00} for the accrued interest on the original charge. 

On XX/XX/XXXX, the XXXX XXXX XXXXXXXX, formerly known as XXXX XXXX XXXX, performed an unnecessary medical procedure on me. They already performed the procedure and had me sign up with XXXX XXXX to cover the balance of {$3800.00} that insurance did not cover. As an individual with XXXX, I am protected under the XXXX XXXX XXXXXXXX XXXX of XXXX ( XXXX ). Medical professionals exerted pressure on me to apply for this credit card during the medical procedure. I have filed a complaint against this dental office with the XXXX Department of Justice, the Consumer Financial Protection Bureau, and the Federal Trade Commission Fraud Department, alleging unfair and illegal practices such as conducting unnecessary medical procedures not covered by my medical insurance and pressuring patients to sign up for credit card companies with outrageous hidden charges. I plan to pursue my claim with legal representation and the XXXX on this matter and therefore I asked that XXXX XXXX to my settle for a payment in full of {$1900.00} as of the balance amount owed on my XX/XX/XXXX, statement I am disputing the accrued interest charges made on XX/XX/XXXX by XXXX XXXX and will not be paying any outrageous charges or any other current balance being charged by this credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: IL

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$88.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-20 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Consumer Financial Services Solutions, Inc.
State: MA

Complaint narrative:
On XX/XX/year>, I contacted Beyond Finance to inquire why {$3100.00} had been withdrawn from my account without being applied to any creditor payments. During this call, I was informed for the first time that the company charges a 25 % fee upfront. This came as a surprise, as I had been under the impression that my funds were being used to negotiate with creditors as part of the service I was enrolled in. 

At this point, I realized that no communication had taken place between Beyond Finance and my creditors. For over 10 months, they had not been negotiating or settling any debts on my behalf. Instead, they were waiting for all funds, including their fees, to accumulate before taking any action. This directly contradicts the service expectations outlined at the beginning of the program. 

I immediately requested a refund on the grounds that Beyond Finance had not fulfilled their original service agreement, which stated that settlements would begin within approximately XXXX months. Despite this, it had already been XXXX months with no progress. 

A few days after that call, I received a lawsuit from XXXX of my creditors. Beyond Finance had previously instructed me to stop paying all my creditors and to pay them instead, assuring me they would manage all communications and negotiations. This resulted in serious financial and legal consequences for me. 

Beyond Finance failed to deliver the services promised, misrepresented the nature of their program, and withheld critical information about how funds would be applied. Their delay in engaging with creditors and lack of transparency has caused significant stress and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor 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 badly hurt 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 2025-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
This was for an ambulance ride from a residence on XXXX XXXX to XXXX XXXX XXXX. ( Only XXXX mile away ) The original company XXXX XXXX was supposed to send this to my XXXX company ( XXXX at the time ) and XXXX claims they did not received. It was a disagreement between the XXXX and XXXX. 
I only received a past due from Ability Recovery Services LLC, but no original invoice, showing what this amount was for. Also, I noticed this was on my credit report, but I was never received a phone call advising me of this, it just showed up? Communication on this whole thing has been horrible.

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 2025-08-20 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: LA

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

1681c2 ) that you, the TransUnion credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pinebrook Holdings, LLC
State: WI

Complaint narrative:
CFPB Complaint Draft Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Against : XXXX XXXX XXXX ( Original Lender ) Date : XX/XX/year> Complaint Summary I am filing this complaint against Blue Frog Loans for violations of federal consumer protection laws in connection with an alleged account they originated in my name. 

Blue Frog Loans allegedly originated a loan ( referenced in collection notices under account number XXXX XXXXXXXX, balance claimed : {$1300.00} ). However : XXXX. I have never received complete documentation of this account from XXXX XXXX XXXX despite repeated requests. 
XXXX. They failed to provide a signed loan agreement or contract showing my legal obligation. 
XXXX. They transferred or assigned the alleged debt to a third-party collection agency ( XXXX XXXX XXXX XXXX XXXX without ensuring that proper debt verification and itemization was available. 
XXXX. Their actions have resulted in repeated collection attempts without proof, exposing me to harassment and potential credit damage. 

Violations Fair Debt Collection Practices Act ( FDCPA ) ( by extension, through their agent/assignee ) : XXXX XXXX XXXX has allowed a collector to pursue a debt without ensuring compliance with debt validation requirements. 
Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) : If XXXX XXXX XXXX furnished this account to the credit bureaus, they failed to ensure maximum accuracy and failed to respond to disputes with proper documentation. 
Unfair, deceptive, or abusive acts or practices ( UDAAP ) under Dodd-Frank Act, 12 U.S.C. 5531 : Originating and attempting to collect on a loan without providing transparent terms, signed agreements, or full documentation is an unfair and deceptive practice. 




Signature : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: VA

Complaint narrative:
I traded my car in and my old car was financed through XXXX XXXX. The company has been calling me saying they did not receive payment for the loan ballance. The car was traded XX/XX/XXXX. They gave a payoff quote to XXXX XXXX of XXXX on XX/XX/year>. XXXX sent a check for the balance of {$630.00} on XX/XX/year>. It was received on XX/XX/year> and signed for by XXXX. They are continuing to call and harass me saying I still owe {$630.00} even though I sent a supervisor, XXXX XXXX, proof of payment on XX/XX/year>. They are now reporting me as late and it is impacting my credit score.

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 2025-08-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
I had sent and received {$200.00}, twice, between XXXX different entities on XX/XX/year> ; Navy Federal Credit Union and XXXX. This was due to my indecisiveness about where I wanted to keep the money. ( I know, it was a stupid decision of mine ). However, I didn't see the money in either account by the next week, so I contacted Navy Federal Credit Union first about the transaction. All they told me was that they saw it had processed on their end for amount coming in and going out. They then sent me to XXXX to talk about it since they already saw it had processed on their end. I then called up XXXX and they said the same thing ; they could see that both transactions had been processed. I noticed that for both banks, the {$200.00} coming out is the last transaction and the agents I talked to from both banks confirmed that observation. However, neither bank has the {$200.00} in the account I was sending money to and from. I then called XXXX again and the agent sent out an official request to look into it. However, the email I received containing the results just notified me about the transaction being successfully processed on their end. I have now waited a month and I still have yet to see the {$200.00} in either account. I am wondering if there was a glitch in the system because of how many times I transferred the money in XXXX day. I would also like to mention that the last transaction I made was a transfer from Navy Federal Credit Union to XXXX. 

I have also now sent a formal complaint to XXXX through CFPB, and they have told me to get in touch with Navy Federal Credit Union. I would like to mention that whenever I made contact with either institution, they would send me to the other institution to find a solution. This has been the over XXXX times now, that I have been told that by both sides.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: OH

Complaint narrative:
A debt collector ( Hunter Warfield ) obtained an account from my former property manager, XXXX XXXX, and presented me with an offer that would settle the outstanding balance that I owed to them of {$3500.00} at the price of {$1200.00}. 

When I recently made an offer to Hunter Warfield, they apparently sold the account to another debt collector - XXXX XXXX XXXX - who has been harassing me for an amount significantly higher than the original offer of {$1200.00} This is a housing related debt that I am serious about resolving. I want the paid debt to reflect in my credit report within enough time to move this autumn. I dont currently have my own place to live and this kind of unscrupulous behavior is a threat to my self-sufficiency. 

I can not afford to pay the amount that the new collector is demanding, and there is no doubt that - XXXX XXXX XXXX - is harassing me They have used manipulation tactics, lies, and bait-and-switch to try and trick me into paying more than was advertised when they emailed me. 

First they said I could resolve the account with them for {$1000.00} I have it in writing, however on every contact that Ive had with them outside email they tell me that they are NOT going to settle the account for the amount they advertised to me via email. They are badgering me for upwards of {$2000.00} which is way more than any amount I have ever seen for settling this balance. 

These kinds of deceitful practices are a barrier to my livelihood. I want to resolve this account, however I can not afford nor do deserve the mistreatment and manipulative abuse that I am suffering from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-20 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Regarding Claim number XXXX Wells Fargo Sent  XXXX XXXX a Hold Harmless Claim for the check Fraud. Said it would take 90-120 days. We are at 120 days and Wells Fargo will not request a status update from XXXX XXXX XXXX. Can not get Wells Fargo to give me an update or refund the fraudulent check. See attached last response from Wells Fargo. Would like a refund or status update response from XXXX XXXX XXXX via Wells Fargo Hold Harmless claim.

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