vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
CFPB Complaint Draft Failure to Validate Debt Your Information : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, CA XXXX Phone : ( XXXX ) XXXX Email : XXXX Company Youre Complaining About : Company Name : XXXX XXXX XXXX Also Known As : Source Receivables Management Address : XXXX XXXXXXXX XXXX  XXXX, SC XXXX / XXXX XXXX XXXX XXXX XXXX, NC XXXX What Happened : On XX/XX/year>, I sent a formal written request for debt validation to XXXX XXXX XXXX under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I included reference to Case Number XXXX and requested : XXXX. The name and address of the original creditor XXXX. A full breakdown of the alleged debt amount XXXX. A copy of any contract bearing my signature XXXX. Proof of their license to collect in California XXXX. Legal authority to collect the debt I sent the request via Certified Mail, which was delivered on XX/XX/year>, and signed for ( proof attached ). As of today, I have not received any response or documentation from XXXX or Source Receivables Management. 

They have continued to report this debt to the credit bureaus without validating it, which is a violation of federal law. 

Desired Resolution : Immediate deletion of this account from all credit bureaus ( XXXX XXXX XXXX ) Cease all collection activity A formal investigation into XXXX XXXX XXXX and Source Receivables Management for failure to comply with the FDCPA Confirmation that this debt is not being resold or reassigned to other collectors without validation Attachments ( submit with complaint ) : Copy of the original debt validation letter Certified mail receipt and delivery confirmation Photo of envelope/signature confirmation ( optional ) Any credit report showing the XXXX account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been reporting to Experian that they are not giving me the right treatment with reporting my credit scores. I have been paying on a car for 3 years no missed payments. Have paid also a XXXX loan for couches I bought with no late payments perfect credit payment. However they keep reducing my score instead of improving it. I have had a drop in my score while other beaureas indicate different. I can not get a live person. The complaint I filed was never responded to. I am very frustrated with them because they are ruining my credit and name. They keep pulling my credit and sending me emails everyday that I qualify for lower car insurance and they exposed my information to progressive without my approval. I have not got this resolved. It is ruining my name and making me not get approved for credit. I also have disputed accounts with them and they have never resolved it or said to me what the response was from the merchants reported. They also havent removed them or improved my score. I need them reported. It is unfair business and damaging to a consumer

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 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westcreek Financial
State: TX

Complaint narrative:
Dear CFPB Representative, I am writing to file a formal complaint and request escalation regarding an ongoing issue with that has not been resolved through standard dispute channels. Background : I initiated a dispute/request for correction regarding inaccurate information on my credit report. The disputed account. Despite my written requests and submission of supporting documentation ( copies of which are enclosed ), the inaccurate information remains on my credit report. Furthermore, the creditor has failed to provide adequate verification or respond within the required timeframe under the Fair Credit Reporting Act ( FCRA ). I am requesting that the CFPB investigate this matter and hold the responsible party accountable for their failure to : Accurately report and verify credit data ( FCRA 611 ) Respond to consumer disputes within the statutory timeframe Uphold their obligations under federal consumer protection laws

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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 suspect that these accounts were fraudulently created and request a full investigation followed by their removal from my credit report. Evidence is enclosed for your review.

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 2025-07-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I DID NOT OPEN THIS ACCOUNT I HAVE FILED A POLICE REPORT AND HIRED A LAWYER> tell capital one to STOP reporting to the credit reports. I have lost points now because of this!!!!!!!!!! I am disputing on XXXX XXXX and XXXX  tonight

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding a mishandled XXXX transfer through Navy Federal Credit Union ( NFCU ) that directly resulted in financial harm due to a lack of proper disclosure, poor customer service, and failure to take accountability. 

On XX/XX/year>, I made an instant XXXX transfer of {$1500.00} from my NFCU account to another account I own. That transaction was completed successfully. 

In the early hours of the next business day, XX/XX/XXXX at approximately XXXX XXXX  EST, I initiated a second XXXX transfer of {$410.00}, also intended as an instant transfer. Shortly after, I received a notice stating that my XXXX account was on hold and that I needed to verify my identity by phone. I called Navy Federal, and a representative submitted the transfer on my behalf. At no point did that representative inform me that the transaction would be downgraded to a next-business-day transfer or that I had exceeded any limit that would affect the transaction timing. 

As a result of this delay, the funds were not available in time to cover a scheduled ACH debit. This led to a {$30.00} non-sufficient funds ( NSF ) fee charged by my sons school and a {$10.00} returned payment fee charged by my other financial institution. 

I brought this matter to NFCUs attention multiple times and formally requested reimbursement of the {$40.00} in total fees, as well as a supervisory-level review of the situation. NFCU has refused to take responsibility, even though the failure to disclose transaction limitations and transfer speed changes falls on their representative and system. 

This experience demonstrates a lack of transparency and accountability on the part of Navy Federal, and I am requesting that the CFPB investigate this matter and require the credit union to reimburse the fees I incurred due to their actions. 

Thank you for your attention. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: ADS Resolve LLC
State: IL

Complaint narrative:
On XX/XX/year> I received a telephone call from XXXX fraud department at XXXX regarding a online ccredit card application on XX/XX/year> in my name using my social security number for a {$9500.00} credit card out of XXXX, NC. I replied that I did not apply for a credit care online with XXXX. The represetative said that she woould decine the application. I was then forwarded to XXXX XXXX at XXXX at the Consumer Financial Protection Bureau ( Case ID XXXX ) who said that this was a case of ID theft and that my social security number was compromised. He placed a federal XXXX  on my social security number. He said that a couple of my credit cares were at risk of fraude and that I could have the high balances educed with help from a debt relieft company. Ultimately, I ended up speaking with XXXX XXXX ( Agent XXXX ) at ADS Resolve LLC XXXX. ADS Resolve billed XXXXwo of my credit cards a total of {$10000.00} for their services. I was told that they would help me reduce my overall credit card balances on three accounts and renegotiate reduced monthly payments with my creditors. The negotiations were to take anywhere from 6 to 12 months to complete. I spoke with one of my credit card companies today XX/XX/year> because someone tried to charge {$37.00}. I inquired whether ADS Resolve has ever contacted them on my behalf to negotiate my debt and was told that there was no record of such communication from ADS Resolve. I called the ADS Resolve office at XXXX and got the recording that the FTC has sued ADS Resolve for deceptive debt marketing, etc.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-31 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: TX

Complaint narrative:
I am submitting this report due to inaccuracies on my credit report stemming from a system error, as confirmed by Equifax, which resulted in my personal information being leaked and used improperly. Ive been denied credit because of this issue, and I request immediate correction within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 explanation
Consumer complaint received 2025-07-31 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: FL

Complaint narrative:
These inquiries appear on my credit file without my authorization. I ask for their swift removal.

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 is not yours
Company: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
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 2025-07-31 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: MI

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 2025-08-01 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I received multiple emails from my XXXX  and XXXX account stating there was a new credit inquiry connected to someone trying to take out a credit card in my name with my SSN. Someone fraudulently tried to open a Home Depot/Citi Bank credit card on XX/XX/year>. They also did this last year with a Home Depot/Citi Bank credit card and XXXX XXXX card. No amounts have been taken, but I also received an email from XXXX  that they unfroze my credit score, so somehow they got access to that as well. I want to protect my SSN, XXXX XXXX, and all related accounts.

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 2025-07-31 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: NY

Complaint narrative:
On XX/XX/year>, I discovered a fraudulent XXXX XXXX credit card account on my Equifax credit report, which I did not open or authorize, indicating identity theft or error. The account, reported as charged off with a {$5400.00} balance and {$5400.00} past due as of XX/XX/year>, was unknown to me until I reviewed my credit report. I filed my first dispute with Equifax via their online portal on XX/XX/year>, and sent a dispute letter via certified mail, demanding verification and deletion of the account due to its fraudulent nature. The comment " Account Previously In Dispute Now Resolved By Data Furnisher '' is incorrect, as this is my first Equifax dispute. Equifax failed to correct the inaccuracies or provide verification within 30 days, violating the Fair Credit Reporting Act, FCRA, as follows : 1681e.b : Failing to ensure accuracy by reporting an unauthorized account. 1681i.a.1 : Failing to conduct a reasonable investigation. 1681i.a.5 : Failing to delete unverifiable information. 1681i.a.5.B : Improper reinsertion without notice. 1681c-1 : Failing to handle identity theft reports. CFPA 5536 : Engaging in unfair practices, per the CFPB 's 2025 findings. This account has harmed my credit score and risks further identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Subject : Chase Refused to Help Me Recover Funds Lost to Fraudulent Company XXXX XXXX XXXX XXXX ) Statement : On XX/XX/year>, I used my Chase credit card to pay {$5000.00} to a company called XXXX XXXX XXXX, also operating under the name XXXX XXXX, for a real estate investment coaching and mentorship program. The company promised specific services, including mentorship, business setup support, property sourcing, and full portfolio management through a product called XXXX XXXX. 

However, after receiving payment, the company failed to deliver any of the services promised. No mentorship, no property leads, no contact nothing. I made multiple attempts to communicate with them and request a refund, but they have never responded meaningfully. The only reply I received was an automated email with unrelated property listings. 

Chase 's Failure to Act : Approximately six months after the payment, I filed a dispute with Chase Bank, making it explicitly clear that this was not a billing mistake, but a fraudulent charge involving deceptive and nonexistent services. I emphasized that the company had not provided any of the services they promised and that this was a case of fraudulent misrepresentation.

I submitted this dispute multiple times, stressing that the business was actively scamming consumers. Despite this, Chase denied my dispute, citing the fact that it was submitted beyond their standard 60-day window even though the nature of this situation is clearly fraud, not a routine billing issue.

Why This Is Fraud : The company marketed a full-service real estate coaching system.

After payment, they delivered nothing and cut off contact.

Their communication was limited to an irrelevant reply. 

I later found multiple victims online, including formal complaints filed with the XXXX XXXX XXXX XXXX XXXX XXXX and consumer forums describing nearly identical fraud scenarios. 

Business & Contact Information : Business Name : XXXX XXXX XXXX / InXXXX XXXX XXXX XXXX XXXX ( on receipt ) : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX Owner : XXXX XXXX XXXX Representatives : XXXX XXXX XXXX Public Record of Complaints : The XXXX  currently rates this company an F, citing multiple unresolved complaints and failure to respond. They have a pattern of collecting large upfront fees and providing no services, consistent with my experience. 

Request : I respectfully request that the Consumer Financial Protection Bureau : XXXX Assist in holding Chase accountable for denying a legitimate fraud dispute, especially given the repeated efforts I made to alert them to the scam. 

XXXX Require Chase to reopen the dispute and take appropriate action to recover my funds. 

XXXX Review the handling of such cases where time-based limitations are wrongly prioritized over clear evidence of fraud.

Company response to consumer: Closed with explanation