vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
XXXX refuses to credit my account with the invalid fraudulent scammed wire transfer that was performed on my acount by unknown scammer who hacked into my bank account to do the transfer fbi also was informed they also confirm this was a fraudulent scamming scammer done this scam fraudulent wire transfer from my acount to a unknown acount

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 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
Company just asked that I pay for the amount owed. They did not tell me the amount, could not verify my social security number, could not verify my signature regarding debt, could not verify where I signed up for this debt, I am not familiar with this company, they could not verify my address, they could not verify my full legal name. I do not know what debt they are referring to and what the amount is. The company could not identify me nor who the debt belongs to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no mea

ningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
Date XX/XX/year> Company demanding debt payment : complete XXXX XXXX XXXX, including. 
Client according to XXXX XXXX XXXX into XXXX XXXX Amount owed {$28.00} Check Date according to complete payment recovery services XX/XX/year> Sponsor according to XXXX XXXXXXXX XXXX My case : I do not have or ever had a XXXX account Our community mailbox was broken into on XX/XX/year> In the outgoing mail I had 2 checks one of which was a check to XXXX XXXX for XXXX. 
XX/XX/year> I reported the break in to police and i.mediately closed my bank account and had bank stop payment of both checks. 
I can provide copies of closed account and stop payment if requested.

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 2025-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing a complaint against Citibank, N.A ( Citicards CBNA ). for violations of the Fair Credit Billing Act ( FCBA ) and Fair Credit Reporting Act ( FCRA ) in connection with a fraud dispute on my credit card account. 

In XX/XX/XXXX, I reported a fraudulent charge to Citibank and requested my account ending in XXXX to be closed permanently. The charge in question was posted on XX/XX/XXXX for {$49.00} related to XXXX XXXX and a security credit was posted on XX/XX/XXXX for {$49.00} as evidence of the investigation start. Additionally, Citibank issued a new credit card account ending in XXXX, which was never activated. Under the FCBA, they were required to complete the investigation within 90 days. However, they failed to do so. 

In XX/XX/XXXX, while the investigation was still pending, Citibank reported the disputed balance along with all related late fees and interest charges in the total amount of {$160.00} as delinquent to credit reporting agencies, which is a violation of 15 U.S.C. 1666a ( a ) ( FCBA ) and 15 U.S.C. 1681s-2 ( a ) ( 3 ) ( FCRA ). I suffered a credit score drop for over XXXX points and was denied credit as a result. 

In XX/XX/XXXX Citibank concluded the investigation in my favor and permanently reversed the fraudulent charge of {$49.00} with a security credit posted on XX/XX/XXXX as shown in the XX/XX/XXXX statement. Furthermore, all related late fees and interest charges were reversed for a total reversed amount of {$160.00}, resulting in a final balance of {$0.00} in the account as shown in the XX/XX/XXXX statement. The account was also permanently closed at that point.

I have contacted Citibank multiple times requesting that they correct the inaccurate reporting and remove the delinquent status with the credit agencies. However, Citibank has refused to correct the negative credit reporting as evidenced by their letter dated XX/XX/XXXX. The delinquency remains on my credit report, despite the bank acknowledging that the charges were fraudulent. I was denied credit as a result as evidenced by the credit denial letter dated 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 non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I first became aware of this incident yesterday, XX/XX/XXXX, by checking my credit report, to where I saw the name of this student loan servicer. My credit has sunk hundreds of points due to this. I have consistently paid bills my entire life.

My phone number is on their record. Not once, did they call me regarding this payment. Not once did I receive an email to my personal email. I have requested this information, and they have refused to provide any documentation of this.

When I spoke to a representative on the phone, they advised me that I was 191 days late. I explained the situation and he understood. The representative said that he, on behalf of the entire company, apologized for failing to provide proper notice. Therefore, he would move forward with a complete forbearance, due to this catastrophic mistake on their end, putting my payment due amount to XXXX , and allowing me to start paying it in XXXX. he confirmed that not once, had they ever called my personal cell phone number, despite it being on record for a decade.

However, he said he does not control the credit reporting, and advised me to make a compliant in relation to that matter. This is what I am doing now.

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 2025-07-08 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:
i have not supplied proof under the doctrine of estoppel. by the silence of engelhardt. v gravens ( mo ) 281 SW715.719. I Presume that no proof of the allieged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX  balance {$30000.00}, XXXX XXXX XXXXXXXX balance {$720.00}.

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau regarding a serious issue involving Midland Credit Management , Inc. and the handling of a previously closed XXXX XXXX XXXX  account .

This account was originally opened on XX/XX/XXXX and was permanently closed by the original creditor on XX/XX/XXXX, after sincere efforts were made to establish payment arrangements during the financial challenges caused by the COVID-19 pandemic. Despite my attempts to maintain the integrity of her credit through good-faith payments, the creditor unilaterally chose to close the account.

The issue arises from the fact that this account was then apparently sold or transferred to Midland Credit Management without my knowledge, consent, or authorization. This sale also included my personally identifiable and financial information, which constitutes a serious breach of trust and privacy.

Furthermore, the reporting date listed by Midland Credit Management as XX/XX/XXXX, the same date the account was closed, is being used to reset the clock on how long the derogatory information can remain on my credit report. This appears to be a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c ( a ), which clearly prohibits the re-aging of debt to extend the period of negative credit reporting. The date of first delinquency should remain consistent, regardless of who now owns the debt.

According to FCRA 623 ( a ) ( 5 ) and guidance from the Federal Trade Commission, a data furnisher must report the actual date of delinquency and may not reset this date upon assignment or sale of the debt to another entity.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, it is unlawful for a debt collector to use any false, deceptive, or misleading representation in connection with the collection of any debtincluding misleading reporting to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: IL

Complaint narrative:
I am submitting this complaint in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., regarding inaccurate and unverifiable information being reported by several furnishers to the credit bureaus, as well as unauthorized inquiries appearing on my credit reports. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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:
I am submitting this complaint in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., regarding inaccurate and unverifiable information being reported by several furnishers to the credit bureaus, as well as unauthorized inquiries appearing on my credit reports. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-07-08 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 previously submitted a request for the correction of inaccurate data on my credit report. One of the other credit reporting agencies has verified the inaccuracies and removed the information, yet your bureau has not taken the same steps. Due to your lack of response, or an insufficient response, it is clear that the Credit Bureaus have not fulfilled their obligations under FCRA regulations. I need the following accounts corrected without delay : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: NC

Complaint narrative:
HARRIS & HARRIS XXXX Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent me proper notification, please provide Certified Mail with receipt displaying my wet signature. If not, please delete account XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
I signed up online for a XXXX XXXX gym membership on XX/XX/XXXX, with a promotion that included the first month free. When I went to the XXXX, CA location, I was denied entry and told by the front desk that my online sign-up had not gone through. Based on that, I signed up again in person unknowingly creating XXXX accounts. 

I was billed on XX/XX/XXXX and XX/XX/XXXX for {$14.00} each, and continued to be charged through XXXX and XXXX. In XXXX, I discovered the duplicate billing and contacted XXXX XXXX and their billing department. I was told the second account had been canceled and charges would be reversed. Despite that, I was charged again on XXXX ( {$10.00} ), XXXX ( {$49.00} ), and XX/XX/XXXX ( {$110.00} ). The total disputed amount is {$330.00}. 

I spoke with the XXXX location manager, XXXX, on multiple occasions. He acknowledged the error and told me the issue was being handled. Billing later told me they had received no communication from him and said they could only cancel the account. Feeling defrauded, I canceled my credit card in XXXX and stopped attending the gym. 

I never received any notification that the account would be sent to collections or how to resolve the dispute. On XX/XX/XXXX, I received a letter from Aldous & Associates attempting to collect this invalid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have accounts that needs disputing that is not my account, but is continuing to show on my credit report. Old addresses, incorrect names, and accounts need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
I have disputed several issues with the presence of old account still listed, even though they are listed under my bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CCF Intermediate Holdings LLC
State: GA

Complaint narrative:
I have disputed several issues with the presence of old account still listed, even though they are listed under my bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: NY

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

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 2025-07-08 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: AL

Complaint narrative:
I was in forbearance, but it is showing on my credit report that I have been late on my mortgage payments during that timeframe. It should not show a reporting of it being late during that timeframe.

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 2025-07-08 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: AL

Complaint narrative:
I was in forbearance, but it is showing on my credit report that I have been late on my mortgage payments during that timeframe. It should not show a reporting of it being late during that timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit card — Store credit 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: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I've been having issues with TD Bank/XXXX since XXXX of XXXX. They are unwilling to correct my account in which I only have purchased a washer dryer combo totaling XXXX. My account is still wrong to this day, and I've drafted another letter and was going to attach it to my XXXX  complaint : # XXXX TD Bank, but the complaint was closed and the business did not resolve the complaint. I have made MANY calls and disputes with the same resolution. See attached for the letter I've drafted : Dear XXXX XXXX XXXX Department, I am writing to formally dispute an erroneous transaction that has caused an outstanding balance on my promotional plan code XXXX. According to my records, XXXX XXXX should have a XXXX balance, yet my XX/XX/XXXX statement continues to show {$660.00}. 

XXXX. Transaction in Dispute Date Posted : XXXX Description : Erroneous repost of my original XXXX Equal-Payment purchase to XXXX ( Transaction ID XXXX ) on XXXX. 

XXXX. Calculation of Disputed Amount on XXXX  XXXX Original Net Purchases : {$1900.00} ( all device/accessory charges net of the duplicate LaundryCombo ). 

Return Credits : {$1700.00} ( XXXX returned-merchandise deductions ). 

Remaining Balance Before Mispost : {$200.00}. 

Dealer Error Credit : {$880.00} applied XXXX. 

Resulting Balance : {$0.00} ( over-credit of {$680.00}, which should not have carried forward ). 

XXXX. XXXX  XXXX Balance Origination Original Purchase : {$1900.00} ( LaundryCombo {$1800.00} + sales tax {$110.00} ). 

Return Credits : {$170.00} ( XXXX ) and {$210.00} ( XXXX ), totaling {$380.00}. 

Net Deferred Balance : {$1500.00}. 

Excess Payments Applied : {$800.00} through regular payments, leaving the current outstanding balance of {$750.00}. 

Please remove the XXXX mis-posted charge of {$1200.00} from XXXX, zero out that plan balance, and reissue my XXXX statement showing only the {$750.00} outstanding on XXXX. 

Thank you for your prompt attention to this matter. I look forward to your written confirmation of these corrections within 30 days, as required by the XXXX Credit Billing Act. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against NCB regarding an account I have with them XXXXXXXX XXXX XXXX XXXX XXXX. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : NCB ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$7600.00}. 

I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with NCB buttonoavail.

Company response to consumer: Closed with explanation