vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 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 am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Management Systems Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing in response to your communication dated [ Date of Letter/Notice ], regarding a debt you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I formally request that you provide validation of this debt. 

Please provide the following information : The name and address of the original creditor. 

A detailed breakdown of the debt, including the principal amount, interest, fees, and any other charges. 

A copy of the signed agreement or contract that established the debt.

Verification that you are legally authorized to collect this debt in my state.

Proof that the statute of limitations for collecting this debt has not expired.

Until you provide proper validation, I dispute this debt and request that you cease all collection efforts, including reporting to credit bureaus. Additionally, if any portion of this debt has been previously paid or discharged, please provide documentation reflecting that adjustment. 

This letter is not a refusal to pay but a request for lawful validation as required by federal law. Your failure to provide verification within 30 days of receipt of this letter will result in the debt being considered invalid, and I will expect all collection activities to stop immediately. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: CBC Companies, Inc.
State: AL

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 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
NATIONAL CREDIT SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXX XXXX  is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NRA Group, LLC
State: FL

Complaint narrative:
To : NTL Recovery Agency Re : Account for XXXX XXXX Request for Original Service Details Date : XX/XX/year> Dear NTL Recovery Agency, I am writing in reference to the account currently listed on my credit report under your agencys name for the amount of {$1600.00} and another listed as {$1700.00}, both reported as opened on XX/XX/year>, and connected to XXXX XXXX XXXX XXXX. 

I am requesting the following information regarding this alleged debt : 1. The original date ( s ) of service associated with this medical debt.

2. A complete itemized statement showing what services were provided and their associated costs.

3. Proof of ownership of this debt, including a chain of title showing each time this debt was sold or transferred.

4. Validation of the debt, including any signed agreements or documents that confirm my responsibility.

5. An explanation for the discrepancy in the amounts reported ( {$1600.00} vs. {$1700.00} ).

This debt has been sold and reported multiple times, and I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to request validation and accurate reporting. 

Please consider this a formal debt validation request. Until you provide the requested documentation, I am requesting that you cease collection efforts and correct or remove the account from all credit reporting agencies if proper validation can not be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : US DEPT ED - Account Number : XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$870.00} XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-08-01 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX XXXX and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: FL

Complaint narrative:
NATIONAL RECOVERY AGEN is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL RECOVERY AGEN is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXX XXXX XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-08-01 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : 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
Consumer complaint received 2025-08-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
To Whom It May Concern, I am filing this complaint to seek assistance with Bank of America Credit Card Services regarding interest charges that resulted from circumstances beyond my control. 

In XX/XX/year>, I canceled an international flight ticket which created a credit balance of {$1700.00} on my travel rewards credit card. Unbeknownst to me, Bank of America issued a refund check for this amount in XX/XX/year>. Unfortunately, I never received this check it was intercepted and fraudulently cashed by an impostor. 

When I realized my account no longer reflected the credit balance, I contacted Bank of America. They confirmed the refund check had been issued and cashed fraudulently. I immediately filed a fraud report, which led to a formal investigation. 

During this time, I continued using the credit card, relying on the expected credit balance. While the fraud investigation was ongoing, Bank of America continued to charge me late fees and interest, even though I repeatedly explained that the only reason I had an outstanding balance was because the refund funds were not available to me. I asked multiple times for these charges to be waived due to the circumstances, but the bank did not resolve this fairly. 

The fraud investigation was eventually concluded, and I finally received the reissued refund check for {$1700.00}, which I applied in full to my credit card balance. 

However, I now have an outstanding balance of {$100.00}, which is entirely made up of accumulated interest charges caused by the banks delayed fraud resolution and the missing refund funds. I have contacted Bank of America to request that they waive these interest charges, but they have refused, even though the situation was caused by no fault of mine. 

I am requesting the CFPBs assistance to have Bank of America remove these unfair interest charges, as I should not be penalized for a fraud incident and processing delay that I could not control. 

Below are the dates and interest charges making up the Outstanding interest amount disputed : {$100.00} Date Interest XX/XX/year> {$21.00} Interest Charge XX/XX/year> - {$21.00} Interest Charge Adjustment XX/XX/year> {$31.00} Interest Charge XX/XX/year> {$37.00} Interest Charge XX/XX/year> - {$0.00} Interest Charge Adjustment XX/XX/year> {$37.00} Interest Charge Thank you for your assistance in resolving 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 monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Consumer Financial Services Solutions, Inc.
State: UT

Complaint narrative:
I called in on XX/XX/XXXX to inform that there was a possibility for filling for bankruptcy and they said they would place my account on hold until i make a final decision.

I called back on XXXX ( which they did not provide date range of my call ) and informed them that I decided to move forward with bankruptcy and i can not pay moving forward as its a vulnerable time. It was never communicated to me that i would have to call in a certain time from a certain date range. I confirmed twice to make sure no funds would be pulled and again in XXXX I noticed my payment was withdrawn for {$180.00}. UNAUTHORIZED. 

I called on XX/XX/XXXX and XXXX and a representative stated that they did make a mistake on their end. 
XX/XX/XXXX i asked for my full refund and still nothing. I informed them that I made my decision and I dont want them to pull funds as its a vulnerable time

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I just received a call from a gentleman stating that he was calling from your agency. He indicated that there were some unauthorized uses of my social security number evidenced by other parties attempting to open accounts with that information. He also informed me of bank violations which allowed my information to become public record, leading to compromise of my information. He informed me of a Fair Credit Reporting Act that stated that as a senior ( XXXX old ) that I have been overcharged through interests rates exceeding 7 %, stating that they would link me with a company ( XXXX XXXXXXXX XXXX which would close 6 accounts, reduce my balance by 40-50 % and arrange for me to pay the remaining balances at XXXX percent. Is there truth to this Fair Credit Reporting Act and the overcharging through an average interest rate of 26 %? If so, is it recommended that I go through an agency to assist with this process? Was this a legitimate call?

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 2025-08-01 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I just received a call from a gentleman stating that he was calling from your agency. He indicated that there were some unauthorized uses of my social security number evidenced by other parties attempting to open accounts with that information. He also informed me of bank violations which allowed my information to become public record, leading to compromise of my information. He informed me of a Fair Credit Reporting Act that stated that as a senior ( XXXX old ) that I have been overcharged through interests rates exceeding 7 %, stating that they would link me with a company ( XXXX XXXXXXXX ) which would close 6 accounts, reduce my balance by 40-50 % and arrange for me to pay the remaining balances at XXXX percent. Is there truth to this Fair Credit Reporting Act and the overcharging through an average interest rate of 26 %? If so, is it recommended that I go through an agency to assist with this process? Was this a legitimate call?

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 2025-08-01 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: MA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Collection Bureau, Inc.
State: MI

Complaint narrative:
UNITED COLLECTION BURE is falsely reporting on my credit. I have never had any accounts with them. Per my research UNITED COLLECTION BURE is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally request the removal of a XXXX XXXX account listed on my credit reporting under the name XXXX for the amount of {$2000.00} Upon reviewing my credit report, I have found that this account named XXXX is not mine / reporting incorrect information ]. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that is inaccurate, incomplete, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/year> - ordered XXXX XXXX XXXX XXXX XXXX and Vitamins NEVER ARRIVED, XXXX Driver BLOCKED my phone number. XXXX said they BANNED the driver IMMEDIATELY for violating Terms of Services.

I contact Wells Fargo and file a claim XX/XX/year>. I wait 10+ days, which should be illegal since they said I would get credited for the investigation after 10 days. I contact them on the XXXX XXXX XXXXXXXX and I spoke to a Claims Manager who said I am in the right, and it should be 2 days from now, after updating my claim with additional info, to get my XXXX XXXX back. I havent recieved it, and contact Wells fargo TODAY XX/XX/year> XXXX and ive been on he phone over 50 minutes. The Associate is telling me that HE WOULD have to reopen the claim himself, and then start an investigation which shouuldnt be more than 10 days. Wait a second, Im not crazy but I literally filed a claim on the XXXXXXXX XXXX XXXXXXXX, i added more additional info, and theyre telling me they have to file a claim, like it was never even a thing. I see it is closed, but on XX/XX/XXXX I was told by the female Claims Manager I would have the case reopened. So Id like to maybe have an agent contact the Claims Manager, XXXX ( whos there Today ), and there two other Claims Manager who are female, who I interacted with once on the XXXX over the phone. MY CLAIM NUMBER IS Claim # XXXX. I just got off the phone with XXXX ( XX/XX/year> XXXX CDT ), and he just told me Have a good day AND HUNG UP! THIS IS NOT WHAT BANKS DO! When I call XXXX and tell them an emergency, they DONT HANG UP BECAUSE THEY FEEL LIKE IT! PLEASE HELP ME!

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 2025-08-01 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: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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