vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: SC

Complaint narrative:
Please see the previous complaint that has been closed after the company LIED about the situation to you all. Please find the document statement that shows that insurance was FINALLY filed and my balance was XXXX and some change not XXXX copay. They LIED to you all. There should be immediate action on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
On XX/XX/scrub>XXXX First National Bank of XXXX ( FNB ) " STOLE '' {$150.00} from my checking account. I contacted FNB and spoke with " XXXX '' - in Customer and Business Contact Center ( XXXX ). I was told that FNB 's computer experienced a " glitch '' which caused the computer to pay a payee that was NOT on my " XXXX XXXX '' accounts. My ex-wife is on my account ( dual account ) with a different account number. She had this same payee on her XXXX XXXX account to be paid. The payee was paid {$150.00} from her account on XX/XX/year>, which she had scheduled to pay through her XXXX XXXX I was told that the computer somehow intermixed/combined both accounts and paid the same payee {$150.00} from my ex-wife 's account and {$150.00} from my account. I was told this was FNB 's computer glitch. They said, regardless of their computer error, FNB would not reimburse me for the money that was taken from my account. I was told that I should contact the payee and ask for my money back. I told them that this was their computer problem and that they should reimburse me. On XX/XX/year>, I contacted the payee and explained the problem. They said they would not reimburse me for the overpayment. I had left several voice messages to " XXXX '' asking him to call me back. On XX/XX/year>, I received a call back from " XXXX ''. He NOW explains that the error was caused by my ex-wife being on my account. He keeps telling me the payee was on my XXXX XXXX account, which is a total lie. This payee is not noew or has never been on my XXXX XXXX account. On XX/XX/year>, my ex-wife called FNB XXXX XXXX, XXXX, branch and spoke to someone. She was told that they wanted to set up separate accounts for her and me and cancel the current debt cards, and issue new cards. My ex-wife told them NO. My ex-wife has a XXXX  problem and is constantly experiencing tremors over these ongoing issues. I am stressed to the point where I can't sleep. My ex-wife and I have both been experiencing many problems with our accounts since this first happened. My ex-wife has been locked out of her account, and her debit card has been cancelled. She can not access her money and has received numerous messages when trying to transfer money. I have been locked out of my account several times since this first happened. My account log in page has changed several times. One day, the login procedure propagates my user name, and the next time it requires that I enter it. I can not access " XXXX '' to transfer money to my ex-wife 's account or any other bank accounts. I can't believe FNB can arbitrarily take money from dual accounts, as " XXXX '' eluded to. This is total nonsense. FNB is making up lies to cover up for the fact that their computer system XXXX XXXX Something needs to be done about this. Both my ex-wife and I are desperate for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: CA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date Opened 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 2025-06-28 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: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am a victim of identity theft. The following hard credit inquiries were made without my authorization or knowledge. I did not apply for credit or authorize any person or business to access my credit file with these companies. 

Accounts Affected by the Crime : Fraudulent Credit Inquiries : 1. XXXX XXXX  Date of Inquiry : XX/XX/XXXX ( TransUnion  ) 2. XXXX XXXX  Date of Inquiry : XX/XX/XXXX ( TransUnion  ) 3. XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX ( Experian ) 4. XXXX  XXXX XXXX Date of Inquiry : XX/XX/XXXX ( Experian ) 5. XXXX  XXXX XXXX Date of Inquiry : XX/XX/XXXX ( Experian ) 6. XXXX  XXXX XXXX Date of Inquiry : XX/XX/XXXX ( Experian ) 7. XXXX  XXXX XXXX Date of Inquiry : XX/XX/XXXX ( Experian ) 8. XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX ( Equifax ) 9. XXXX  Date of Inquiry : XX/XX/XXXX ( Experian ) 10. XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX ( Experian )

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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am a victim of identity theft. The following hard credit inquiries were made without my authorization or knowledge. I did not apply for credit or authorize any person or business to access my credit file with these companies. 

Accounts Affected by the Crime : Fraudulent Credit Inquiries : 1. XXXX XXXX  Date of Inquiry : XX/XX/XXXX ( TransUnion  ) 2. XXXX XXXX  Date of Inquiry : XX/XX/XXXX ( TransUnion  ) 3. XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX ( Experian ) 4. XXXX  XXXX XXXX Date of Inquiry : XX/XX/XXXX ( Experian ) 5. XXXX  XXXX XXXX Date of Inquiry : XX/XX/XXXX ( Experian ) 6. XXXX  XXXX XXXX Date of Inquiry : XX/XX/XXXX ( Experian ) 7. XXXX  XXXX XXXX Date of Inquiry : XX/XX/XXXX ( Experian ) 8. XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX ( Equifax ) 9. XXXX  Date of Inquiry : XX/XX/XXXX ( Experian ) 10. XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX ( Experian )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am formally disputing the accuracy of the reporting for an auto loan account listed under XXXX XXXX XXXX, Account Number : XXXX. The account is currently reported as charged off with a balance of {$5700.00} written off and {$14000.00} past due as of XX/XX/year>. 

This information is not accurate. The reported balance and charge-off status do not reflect the correct status of the account. I am requesting a thorough investigation and verification of this account. If the account can not be verified with proper documentation from the original creditor, it must be deleted from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am formally disputing the accuracy of the reporting for an auto loan account listed under XXXX XXXX XXXX, Account Number : XXXX. The account is currently reported as charged off with a balance of {$5700.00} written off and {$14000.00} past due as of XX/XX/year>. 

This information is not accurate. The reported balance and charge-off status do not reflect the correct status of the account. I am requesting a thorough investigation and verification of this account. If the account can not be verified with proper documentation from the original creditor, it must be deleted from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-06-28 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: MI

Complaint narrative:
Dear Equifax Dispute Department, I am writing to formally dispute inaccurate information listed on my credit report under the tradeline for XXXX XXXX. After reviewing my report, I noticed a charge-off status with a balance of {$620.00} that I believe is either inaccurate or outdated. 

Account in Question : Creditor Name : XXXX XXXX  Date Last Updated : XX/XX/year> Reported Status : Charge-off Reported Balance : {$620.00} Bureau Reporting : Equifax only I am requesting that this account be reviewed and corrected, as I believe the current reporting does not reflect the actual status of the account. Please conduct an investigation into this matter under the Fair Credit Reporting Act and remove or appropriately update the inaccurate data. 

Furthermore, reporting information to a credit bureau without my explicit consent particularly if the debt is invalid or inaccurately represented may be a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I never authorized the reporting of this account in its current form, and I insist that you verify both the legitimacy of the debt and your legal authority to report it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.

Complaint narrative:
I have XXXX pounds stored in a cash app XXXX account, since depositing this money into the account cash app XXXX has closed down, they sent me multiple emails asking me to transfer the money to my bank as they ere closing, I replied to them stating that the verification process of my account was not working although I had sent my passport multiple times, so I was unable to transfer the money from my account, cash app XXXX has since shut down and customer service is unavailable however XXXX balance still shows in my account I would like this money transfered into my normal bank account and compensation for the time and stress this has caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: NC

Complaint narrative:
I am writing to formally dispute inaccurate and unauthorized information reporting on my credit file. I recently obtained a copy of my credit report and noticed the following account, which I do not recognize as valid or authorized : Creditor/Collection Agency : XXXX XXXX  XXXX Account Number ( Partial ) : XXXX Reported Balance : {$370.00} Status : Collections/ Past Due as of XXXX XXXX This account is unfamiliar to me and has never been authorized. I am requesting an immediate investigation into this matter and removal of this derogatory account from my credit report. Please confirm receipt of this dispute and provide a full validation of the alleged debt, as required under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Thank you for your prompt attention.

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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX no longer is the services of the federal student loan. I settled with XXXX to a balance of XXXX completing the payment in XX/XX/year> at the same time they took my payment they didnt tell me XXXX XXXX taking over as a loan service provider for the fed XXXX XXXX  XXXX XXXX Now XXXX XXXX XXXX XXXX XXXX ) is coming after me and tanking my credit for a loan thats already paid off and settled. This is abuse. Fix it please this is insane

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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:
In XX/XX/XXXX, I identified multiple unauthorized accounts and inaccurate entries on my Equifax credit report resulting from identity theft tied to major data breaches, including those at Equifax ( XXXX, XXXX ), XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 

These breaches exposed my personal information, which was used to falsely assign XXXX XXXX XXXX XXXXXXXX accounts, all showing past-due balances and late payments I did not authorize. Additional accounts that appeared without my knowledge or consent include a XXXX XXXX collection ( {$96.00} ), a XXXX XXXX XXXX collection ( {$260.00} ), and charge-offs from XXXXXXXX XXXX  XXXX XXXX {$260.00} XXXX and XXXX ( {$1300.00} ). 

I have disputed these items and requested validation under FCRA 1681i, 1681e ( b ), 1681s-2 ( b ), and FDCPA 1692g. No legally required documentationsuch as signed contracts or proof of debthas been provided. These accounts remain on file unlawfully and continue to harm my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: AL

Complaint narrative:
The reporting collection agency XXXX XXXX reported balances on my credit report. I called them to verify the original creditor information and they wanted me to pay them for the information. I informed them that was not in compliance with the FCRA and they hung up the phone on me. I knew this was a fraudulent agency so thats why XXXX submitting this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: MI

Complaint narrative:
I dont know who the company is, but they keep charging collections on my credit. Ive asked to verify any agreement or contract with the company to no avail the company hasnt verified that theyre in my city, and state. Hasnt verified a written contract with me, with my signature to there company. Havent verified they are the original debtor. Also In accordance with the Fair Credit Reporting act XXXX Account has violated my rights. 

15 u.s.c 1681 section 602 A : states I have the right to privacy 15 u.s.c 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions 15 u.s.c 1681A section ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America is denying me from depositing in my own account placing my check on hold and returning without checking untruthfull about the reason for the hold

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 2025-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I am filing this complaint because Wells Fargo charged overdraft fees on my account even though I had previously opted out of overdraft protection for debit card and ATM transactions. Wells Fargo has charged fees in the sum of {$1400.00} for overdraft fees. I already opted out and there is record of me opting out on file with WellsFargo. Despite my clear opt-out, Wells Fargo still allowed transactions to overdraw my account and then assessed overdraft fees, which I believe is a violation of federal banking rules under the Electronic Fund Transfer Act ( Regulation E ).

I discovered these fees on my account statement and immediately contacted Wells Fargo customer service on XX/XX/XXXX, but I was told the fees could not be refunded. I explained that I had specifically opted out of overdraft coverage to avoid exactly this situation. Wells Fargo has failed to provide a clear explanation of why these fees were charged despite my opt-out status. 
This has caused me unnecessary financial harm and stress, and I believe it demonstrates unfair and deceptive banking practices. 



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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 2025-06-28 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:
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 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 2025-06-28 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 a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : PAYMNT 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 explanation