vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: NPG Associates, Inc.
State: OK

Complaint narrative:
On XX/XX/year>, I received a call from XXXX XXXX, who identified himself as the Director of Litigation at NPG Associates. He was extremely abusive and degrading when I explained I am separated from my husband ( the alleged debtor ). 
He told me I should have chosen who I married better and now must face the consequences. 
He falsely claimed that I am personally responsible for my estranged husbands debt because I married him. 
He threatened litigation against me and said an attorney named XXXX XXXX would be contacting me. 
He did not provide any written validation of the debt, as required by law. 

I am a XXXX veteran with XXXX XXXX XXXX XXXX, and this call caused me significant distress. I believe NPG Associates violated multiple provisions of the Fair Debt Collection Practices Act ( FDCPA ), including harassment, misrepresentation, and failure to provide debt validation. 

I request that NPG Associates be investigated, that they cease all contact with me, and that they be held accountable for these abusive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX XXXX from Equifax. I reported identity theft. XXXX XXXX company claim account ending # XXXX for {$880.00} ; Southwest Recovery Services. Dispute filed with Equifax ( conformation # XXXX ). I notified XXXX XXXX XXXX, and revisited XXXX Police ( XXXX ) to file another report as simular identity theft XX/XX/XXXX was reported from this same company. I disputed it when I was made aware of the false charges and made a police report XXXX. I also notified XXXX Police department. XXXX updated incident report on XX/XX/XXXX. On XX/XX/XXXX, I called Equifax, Southwest Recovery Services XXXX XXXX XXXX and Cfpb to resolve this Identity theft issue. I'm not legally responsible for these charges. It should be removed from all my credit history. This report is my efforts to stop illegal use of my social security number and personal information. All credit history should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I was retaliated by wells fargo bank on XX/XX/XXXX due to active complaint filed agsinst them. Please See case # XXXX wit XXXX. 

On XXXX, I filed a complaint against the Wells Fargo Branch located in XXXX XXXX, Washington. The complaint was escalated to the Wells Fargo complaint line. And a woman named XXXX from the Wells Fargo advocacy department filed the complaint on my behalf. I also filed a complaint with CFPB for the same situation. The original complaint was " discrimination with undue hardship '' because the bank teller and her boss made me signed XXXX checks twice, run the checks multiple times and deposited them multiple times in the system even though XXXX  checks came back cleared each time. I Believe their unnecessary actions have caused the checks to be delayed further, which created more hardship for me. They also stamped the the back side of the checks, which prevented me from cashing at least XXXX of them at local check cashing store. Both checks were deposited eventually and were set to be released on XXXX according to conversations between the reps and me. The information was also available on the banking app. 

On XX/XX/XXXX, the bank finally released {$6400.00} more in addition to the previous {$550.00} that was release on XXXX. Please note that the release of the {$6400.00} was done only after the complaint was filed. However, about {$14000.00} was further delayed in my checking account and roughly {$11000.00} in my saving is set to be released on the XXXX. The bank was well aware that I needed those funds to pay my bills including past due rent. I believed i was discriminanated initially because I am a XXXX  man with a XXXX  accent presenting XXXX government checks totatalling {$32000.00} approximately. Now, the Wells Fargo bank and its headquarters retaliated against me for filing a complaint. I believed the further delaye of the fund is due my Complaint that I filed on XXXX. I ffound of the further delay after calling the customer service to check on the availability of my fund. The rep told me that XXXX of the check that was supposed to be released on the XXXX is now delayed again until XX/XX/XXXX. I have the alert notification when both checks were due to be released initially ( on XX/XX/XXXX ). I didn't receive a proper explanation from the bank reps to why the additional delay was necessary.

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 2025-09-04 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-09-05 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance regarding a fraud claim I submitted to my financial institution, which was denied just XXXX days after submissionwithout what I believe to be a proper or thorough investigation. 

The issue began when my phone was stolen, giving someone unauthorized access to my financial apps and personal information. Although I may have initially stated that I had my physical card, I want to clarify that my phone was the compromised device. I believe this led to a series of unauthorized transactions that I did not initiate. 

When I contacted the bank to follow up on the claim, I was told it was still under review. However, within approximately XXXX minutes of that call, I received a denial notice. This abrupt turnaround raises serious concerns about whether my case was genuinely investigated. Additionally, during one of my conversations with a representative, they incorrectly stated that I had reported my card as lostwhen in fact, I had my card in my possession and clearly explained that my phone was stolen. 

The disputed transactions occurred between XX/XX/XXXX and XX/XX/XXXX, all involving XXXX XXXXXXXX XXXX  and include the following : - XX/XX/XXXX : {$850.00} - XX/XX/XXXX : Multiple charges ranging from {$10.00} to {$100.00} - XX/XX/914 : XXXX to {$25.00} - XX/XX/1517 : Numerous charges including {$900.00} and several smaller amounts These transactions were not authorized by me and appear to follow a pattern of fraudulent activity. I am deeply concerned that my claim was dismissed without proper consideration of the evidence or the context I provided. 

I respectfully request that the CFPB review this matter and assist in ensuring that my claim is fairly reconsidered. I am prepared to provide supporting documentation, screenshots, and any further clarification needed. 

Thank you for your time and attention. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not
an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: GA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation of disputed information and delete any information that can not be verified within 30 days of receipt of this dispute. Additionally, under FCRA 602 ( A ) [ 15 U.S.C. 1681 ( a ) ], consumer reporting agencies must ensure all information reported is complete and accurate.

The continued reporting of these fraudulent accounts violates my rights under the FCRA and adversely affects my creditworthiness. If you fail to remove or correct this information within the required time frame, I will pursue legal remedies under FCRA 616 and 617 [ 15 U.S.C. 1681n and 1681o ], which provide for actual, statutory, and punitive damages.

Enclosed are copies of documents verifying my identity and current address. I expect your prompt written confirmation that these fraudulent accounts have been removed. 

Thank you for your immediate attention to this matter.

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 2025-09-04 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:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within XXXX business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within XXXX business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

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