vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC
State: PA

Complaint narrative:
I have all my payments with autopay and ACH. I never got any phone call regarding this or send any info regarding this debt. I requested info nothing yet

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
I did a balance transfer in XXXX to payoff the entire balance. They have continued to charge late fees and interest on the account since then. I have made multiple attempts to get the fees waived and the last supervisor that I spoke with in XXXX said they would credit {$15.00} towards the late fee and the {$1.00} residual interest for that month, I made a payment for the {$30.00} difference in order to get the balance to XXXX. But now have been charged even more fees. I have called back several times after this to get this resolved and have been hung up mutliple times, no one will help me. The balance on this card should be XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: MT

Complaint narrative:
I went on to Clarity Services, Clarity Services XXXX XXXX, A part of Experian XXXX XXXX XXXX XXXX. Box XXXX, XXXX, TX XXXX and it will not let me opt out without sending my sensitive information by mail such as social security, ID, etc. I refuse to send such sensitive information in the mail. That is insane.

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 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: FinCo Services Inc DBA Current
State: OH

Complaint narrative:
I received a card listed as XXXX XXXX with the name CURRENT on it. Unsure of what this card was or how I recieved it, i called the 888 customer service number on the back. The individual XXXX i spoke to at Current asked for my name, phone, and email, which I provided. He said someone may email me about it, if they find any info. I never received an email, and he would not tell me anything about said account ( such as when it was applied for/opened, or anything like that ). He was also unable to provide me with a number to contact their fraud department. He simply said, " Someone from our fraud department should email you if they have any information on the account. '' Well obviously someone has my name and address a the very least to send me this card. All of my credit reporting accounts have been frozen for a year, so i would like to know how/why this card was opened by them without me knowing or at least information about it. I don't know if it is a debit card, bank card, or credit card. Also, I tried calling the " parent '' bank, which is XXXX XXXX XXXX  The contact number led me to a machine that refused to connect me to a person to speak with, and the recording wanted personal information. There was no option for instances of a debit or credit card or an option to speak to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: United Lending Team, INC
State: MI

Complaint narrative:
An account executive working for XXXX XXXX XXXX is also the owner of the title company XXXX XXXX. He has broker 's on some of his files that will route their loans to his title company. The brokers are those working with the company United Lending Team , LLC. 
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  The title company XXXX XXXX has been active since 2019 and more than several dozen loans from XXXX with XXXX XXXX as the account executive have been steered to use their services with him as the Account Executive for that brokerage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Consumer Name : ( XXXX XXXX XXXX ) Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX CARD on XX/XX/XXXX * under the account number ( XXXX ), a collections account opened with PORTFOLIO on XX/XX/XXXX under the account number ( XXXX ), a collections account opened with XXXX on XX/XX/XXXX under the account number ( XXXX ), and a collections account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX with an account number of ( XXXX ), and a collections account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX with an account number of ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint number ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-05-20 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:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

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 2025-05-20 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: KY

Complaint narrative:
on my Transunion credit report there are 5 hard inquiries that I don't recognize and the company didn't provide me with the help to remove this from my credit report. 

TRANSUNION TYPE OF BUSINEES DATE XXXXXXXX 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 explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-20 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Thursday, XX/XX/year> : I submitted a domestic wire transfer via WELLS FARGO ( our bank ) to pay our vendor ( they use XXXX XXXX ) at XXXX a.m EST so they can issue the payroll for the workers that worked at XXXX XXXX XXXX ( XXXX is our client that use our temporary staffing services ). 

We usually put notes or memo on the wire transfer : Payment for XXXX XXXX for we ( week ending ) date and this wire transfer is happened every single week for the past at least XXXX months. 

Friday, XX/XX/year> : I called Wells Fargo again to ask why my vendor didn't receive the funds because usually they will receive it within an hour or so, and the reps said the domestic wire transfer sometimes take XXXX business days, we are patiently waiting until Monday, XX/XX/XXXX which is the XXXX day. 

Monday, XX/XX/year> : My vendor still didn't received the funds, I assured my vendor to wait for another day. This is the day that the workers deposited their payroll checks. 

Tuesday, XX/XX/year> : I called Wells Fargo again and ask them about my wire transfer. 
The XXXX reps stated that my wire was completed on XX/XX/year>. After I told her that my vendor didn't receive the funds she transferred me to the other reps. 
The XXXX reps stated that my wire was hold because of the non-compliant reason. I asked what is the reason, and she said that because of the word utz on the notes, I explained to her that XXXX is my client names and THIS HOLD IS HAPPENED TWICE ALREADY IN THE PAST XXXX  MONTHS. And she transferred me to the third reps because she can't do anything to help me. 
The XXXX reps took my call and explain the same reason and gave me the formal complain with the case number XXXX and stated to me that the wire transfer is being examine for another XXXX business days. Not happy with this I want to speak with their supervisor, she then transferred me to the other reps. 
The XXXX reps took my call, and when I told her the situation she just hung up on me... right on XXXX minutes and XXXX seconds and speak with XXXX different reps. 

Until now, Tuesday XX/XX/year> XXXX a.m EST my wire transfer is still being hold by the Wells Fargo. 

My concern : when Wells Fargo detected something suspicious on the wire transfer, they never contact me to clarify, even they have all of my information to contact me, they just keep the funds. Is this method is compliance with the federal law? 

I just want the fair act for us the consumers.

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 2025-05-20 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-20 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: CA

Complaint narrative:
On XX/XX/year>, I submitted a certified identity theft dispute to Equifax under 15 U.S.C. 1681c-2 ( Section 605B of the FCRA ). My dispute included a valid FTC Identity Theft Report, a police report, my ID, proof of address, and a detailed list of fraudulent accounts, inquiries, employers, and public records to be blocked. I have attached a list of these accounts to the complaint. 

I have not received any response or acknowledgment from Equifax. As of today, Equifax has failed to block or remove the disputed information, despite being legally required to do so within four ( 4 ) business days under federal law.

Equifax is in violation of 1681c-2 by failing to act upon a complete identity theft blocking request. I have attached the full list of fraudulent items that should have been removed from my credit report. No investigation, blocking notice, or communication has been received from Equifax to date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — 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
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: IL

Complaint narrative:
Please consider this a formal request to block and remove the unauthorized accounts from my credit report at your earliest convenience. I have no knowledge of these accounts, nor did I authorize their creation. In accordance with USC 1681g, I ask that they be removed within 15 days. Supporting documents are included for your careful consideration. Additionally, the reported account details vary across the bureaus and contain discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-20 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I have been contacted by this THIRD PARTY Collection Agency since XX/XX/year>. I provided this company my wife 's death certificate and advised she was deceased. Midland advised this debt is due since it is my name XXXX XXXX. I have never had a credit card with Woman Within in my life. I have asked for the a copy of the Credit Application and signed Loan Agreement to verify and just keep receiving invoices due. 

Midland Credit Management is trying to collect on a an old debt that they purchased for pennies on the dollar that was my wife 's credit card and was written off by the original company.

Company response to consumer: Closed with non-monetary relief