vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IN

Complaint narrative:
I am submitting a complaint against XXXX XXXX for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, XXXX XXXX has not fulfilled its legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report ( 15 U.S.C. 1681 e ( b ) ) and conducting a proper reinvestigation to remove the errors within the required 30-day period ( 15 U.S.C. 1681i ( a ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am 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 2025-06-21 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I am submitting this complaint regarding a Wells Fargo credit card account that was opened with a promotional XXXX XXXX interest offer for XXXX  months. Unfortunately, shortly after the account was opened and the promotion began, I experienced a serious medical situation that required XXXX, which led to a loss of income and financial hardship. As a result, I was unable to make full payments or take full advantage of the interest-free period. 

Instead of receiving flexibility or assistance, I was charged substantial interest and fees during or after the promotional period, which quickly caused the balance to become unmanageable. The account was eventually closed, and my credit has been severely impacted. I attempted to contact Wells Fargo to resolve this issue years ago, but was unable to get meaningful support or a fair resolution. I feel that I was penalized for experiencing an unavoidable hardship during what should have been a grace period. 

This situation has resulted in excessive fees, unfair interest charges, and lasting damage to my credit even though the original offer was designed to give me a temporary period of relief.

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 2025-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Ok on the date of XX/XX/XXXX spoke to an agent about the XXXX statement and that I would like to be opted into the settlement from XX/XX/XXXX until the present time. So she reasearched information and tells me that. 
They transunion were going to send it to me but then it was canceled. I was just shocked that it would just be canceled for no reason. I asked why?. She could not tell me. Then she goes on to tell me an agent would respond within XXXX hrs. Waited the time out, NO CALL. I was very disappointed and felt like I been lied too. 

So again on XX/XX/XXXX I called again. They gave me the same answer and an agent would have to call me back in another XXXX hrs. But this time ask to speak to supervisor after about waiting for XXXX XXXX  on phone. A supervisor came on the phone name XXXX. I explain the situation to her. Was wondering if the XXXX could be emailed to get to me faster. She says No it could not. 
I asked who would cancel my XXXX without my authorization? She says she could not sed all that information. All she could do is mail the form now by this time the settlement time expires at XX/XX/XXXX and XX/XX/XXXX. Which means I would not make the time if it is mailed. Just can not understand why the can not emailed that information when my credit report was emailed too. When I actually did not ask for the credit report in the beginning. 
I just do not feel that information is being kept secure. So now I would have to wait and hopefully they would accept me in the settlement. 
She tells me if she mails the XXXX it would reach North Carolina before the expiration date and to write the legal dept and explain the situation and maybe they would consider it. 
Well after that I dont feel secure at all. I just felt like that was an inside job. Just need your help please with this matter. Thanks 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 2025-06-21 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 ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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 explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: U.S. BANCORP
State: IL

Complaint narrative:
Thy have been charging a {$12.00} fee. Original it was {$5.00} and it was always been reversed. When I got the account there was no fees. The information that sent stated I am suppose to have {$1500.00} balance I never opened an account with a balance like that. Fraud fee please assist in reversing all fees.

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 2025-06-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I am filing a formal complaint against Equifax and CAINE & WEINER COMPANY INC for continued reporting of a collection account ( original creditor : Progressive ) that has been illegally re-aged.

The Date of First Delinquency is XX/XX/XXXX, but the Balance Date and Status Date were updated to XX/XX/XXXX, misleadingly portraying the account as recent. This violates : FCRA 15 U.S.C. 1681i ( a ) : No proper reinvestigation was conducted. 

XXXX XXXX guidelines : Reporting dates have been altered without actual activity. 

Despite prior disputes, no documentation has been provided to verify these changes. I request that the CFPB investigate this matter and compel Equifax and CAINE & WEINER to remove or correct the account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
I had an account with XXXX XXXX that was placed with Credit Collection Services ( CCS ). I contacted both XXXX XXXX  and CCS and was clearly told by representatives from both organizations that if I entered into a payment arrangement, the account would not be reported to the credit bureaus. 

I made initial contact with CCS on XX/XX/2025, and agreed to a payment arrangement. I also submitted a deposit at that time. Instead of continuing with weekly payments, I chose to pay the balance in full and was waiting on a rent check to do so. I made the full payment on XX/XX/2025. 

Despite the agreement in place and my good faith efforts to resolve the debt, the account was reported to the credit bureaus before my payment was processed. I now have a Paid in Full letter dated XXXX XXXX, confirming that the account was satisfied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: MI

Complaint narrative:
My identity was stolen XXXX  years ago and multiple accounts have been made in my name and nothing has been done about it. My credit has been utilized multiple times by scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: NE

Complaint narrative:
XX/XX/XXXX XXXX XXXX responded back to me after I was working with XXXX XXXX XX/XX/XXXX on this unauthorized account that is on my credit report. I am submitting this follow-up complaint to document the actions Ive taken regarding the XXXX account that was fraudulently reported under my name. 

XXXX has confirmed in writing that I was added as an authorized user on the XXXX XXXX account on XX/XX/XXXX, and that I was removed on XX/XX/XXXX. They acknowledged that they reported the account to the credit bureaus with my name but also stated that authorized users are not contractually liable. 

Despite my removal, this account remains on my credit reports, and the historical data associated with it continues to negatively impact my credit score. I did not authorize the addition of my name to this account and have no financial responsibility for it. I believe this was done without my consent, potentially as part of broader identity misuse.

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 2025-06-21 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: NE

Complaint narrative:
XX/XX/XXXX XXXX XXXX responded back to me after I was working with XXXX XXXX XX/XX/XXXX on this unauthorized account that is on my credit report. I am submitting this follow-up complaint to document the actions Ive taken regarding the XXXX account that was fraudulently reported under my name. 

XXXX has confirmed in writing that I was added as an authorized user on the XXXX XXXX account on XX/XX/XXXX, and that I was removed on XX/XX/XXXX. They acknowledged that they reported the account to the credit bureaus with my name but also stated that authorized users are not contractually liable. 

Despite my removal, this account remains on my credit reports, and the historical data associated with it continues to negatively impact my credit score. I did not authorize the addition of my name to this account and have no financial responsibility for it. I believe this was done without my consent, potentially as part of broader identity misuse.

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 2025-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST COMMONWEALTH FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am not aware of the debt you are referring to with : " Commonwealth Bank account number : XXXX ''. ( {$1800.00} ) XXXX  Account XXXX I need a details explanation regarding the alleged debt which said under collection perspectives.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting.

I never had an account with Professional Debt, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law.

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

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 2025-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I call the Chase bank and make a complaint against the company first they are super rude and the bank not listen to me and the person hang up the phone call on me then i go to chase bank lady make a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting.

I never had an account with Professional Debt, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law.

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: CA

Complaint narrative:
The payment history listed for these 3 accounts are incorrectly reporting multiple inaccurate late payment statuses to Equifax, Transunion, and Experian. These credit bureaus, mostly Equifax and Experian, have updated these accounts as verified without providing me with any proof of accuracy. 


Here are those three accounts being inaccurately reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX ) Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The payment history listed for these 3 accounts are incorrectly reporting multiple inaccurate late payment statuses to Equifax, Transunion, and Experian. These credit bureaus, mostly Equifax and Experian, have updated these accounts as verified without providing me with any proof of accuracy. 


Here are those three accounts being inaccurately reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX ) Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number : 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 2025-06-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have fallen on hard times after caring for my dad for seven years, which he had XXXX XXXX and we lost him in XXXX. I am a single mom and now have both social security and a part-time job, 3 days a week. I worked for a company for 31 years and was hoping to fully retire. Fast forward to today, I paid on my sears master card, which I have had since XXXX on the due date of XX/XX/XXXX and noticed again they had charged a {$40.00} late fee, which I asked if they would refund it, which they agreed. I paid the statement amount, minus the {$40.00}, which was a total of {$180.00}. I called the company today to see if they charged me a late fee and they did of {$40.00}, which I told them that should not of been. So here I am, needing your assistance in getting this additional {$40.00} or more removed. I spoke to an XXXX today XX/XX/XXXX who told told me he could not remove the fee. Also they closed this account in XXXX Thank you for any assistance you can provide 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 monetary relief
Consumer complaint received 2025-06-21 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: MS

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 ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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