vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-24 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: GA

Complaint narrative:
I am writing to formally dispute the improper use and reporting of my credit information by Equifax, TransUnion, and Experian. These credit reporting agencies have violated Section 605 of the Fair Credit Reporting Act ( 15 U.S. Code 1681c ), which limits the inclusion of outdated negative information on consumer reports. Specifically, information that is obsolete, inaccurate, or beyond the legally permitted reporting periodsuch as accounts over XXXX years old or bankruptcies older than XXXX yearsshould not appear on my credit report. The continued inclusion of such information constitutes a misuse of my credit report and a violation of my consumer rights under federal law. I request immediate investigation and removal of any non-compliant data from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: GA

Complaint narrative:
I am writing to formally dispute the improper use and reporting of my credit information by Equifax, TransUnion, and Experian. These credit reporting agencies have violated Section 605 of the Fair Credit Reporting Act ( 15 U.S. Code 1681c ), which limits the inclusion of outdated negative information on consumer reports. Specifically, information that is obsolete, inaccurate, or beyond the legally permitted reporting periodsuch as accounts over XXXX years old or bankruptcies older than XXXX yearsshould not appear on my credit report. The continued inclusion of such information constitutes a misuse of my credit report and a violation of my consumer rights under federal law. I request immediate investigation and removal of any non-compliant data from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
We deposited check from our 4 year long standing client weve been depositing same check for 4 years no issues. We deposited check yesterday XX/XX/year> for XXXX and Bank of America placed a hold on it for no reason until 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 monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
My information was leaked in the data breach I have chargeoffs and late payments and old addresses my current address is XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Personal information incorrect
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Recently loss income due to death of my spouse have been in hardship n XXXX.My current information on contact doesn't reflect my status Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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:
Someone used my phone to purchase {$1600.00} of goods or service from XXXX on XXXX XX/XX/year>2024 through XXXX XXXX  using my security information and I reported this to the bank after it was submitted on my account and after 2 months bank ( Chase ) denied it and asked for more info I told them what I knew about the charges again they denied and asked me to call XXXX and I did they didn't gave me the account information but some emails still bank declined again and asked me to call XXXX XXXX support and I did they told me go resolve it with your banks we can't do anything and sent me a confirmation number for that I gave it to the bank and again they denied it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
I was enrolled in a XXXX XXXX Plan for my XXXX XXXX account ( XXXX Bank ) that provided financial coverage in the event of hardship. I activated this plan in XXXX after relocating to XXXX and submitted the required documentation. At first, XXXX honored the plan by covering minimum payments, but then abruptly discontinued protection without justification. 

On XX/XX/XXXX, I sent a hand-written, registered letter to XXXX Holdings XXXX addressed to XXXX XXXX XXXX XXXX XXXX confirmed delivery and pickup at their XXXX XXXX facility on XX/XX/XXXX. No reply was received. 

Despite this active dispute and protection status, XXXX sold the account to Midland Credit Management on XX/XX/XXXX. XXXX began collections. I submitted a proper FDCPA debt validation request, but their reply did not include a signed contract, payment history, or proof that the protection plan had been legally terminated. They only sent a summary and the sale letter. 

This violated : FDCPA XXXX ( b ) failure to validate debt FCRA XXXX inaccurate credit reporting The terms of the paid protection plan I am requesting : Full deletion of this account from credit reporting agencies Written confirmation that collection efforts will stop Acknowledgment of breach and regulatory enforcement if necessary

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I agreed to paid deletion and yet these two items still remained on my report for years.

It has been past 7 years and they are still reporting these derogatory items. 

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 non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Phone calls every day for the past XXXX  days, and phone calls XXXX  days a week for several months

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

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.

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 2025-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I placed an order through XXXX XXXX XXXX totaling approximately {$700.00} USD. The order confirmation was received immediately, and the amount was fully withdrawn from my Wells Fargo account. 

However, the order remained in processing status for over a week. On XX/XX/XXXX, the order was finally marked as packed, but there has been no further update, tracking information, or indication that the package was actually shipped. As of today ( XX/XX/year> ), I have not received the order, a shipping confirmation, or any response from customer service providing clarity or resolution. 

I have attempted to reach out to XXXX XXXX XXXX customer service multiple times, but the responses I received were vague, unhelpful, and failed to provide a timeline for shipment or refund. Given the lack of communication, excessive delay, and failure to deliver the purchased goods, I submitted a formal dispute with Wells Fargo to request a refund.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX  hard inquiries dont belong to me, hasnt being authorized by me and has to be removed. aslo this as well thaanksXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-24 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: NY

Complaint narrative:
I happen to go and look at my credit report and realized that I am a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: NM

Complaint narrative:
My credit report contains incorrect personal information, and as a result, accounts Ive never seen before are showing up. These accounts are not mine and should never have been linked to 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 non-monetary relief
Consumer complaint received 2025-05-24 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:
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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Credit Collection Services XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Request for Debt Validation- Account XXXX To Whom It May Concern, This letter is in response to your recent communication regarding the alleged debt referenced above. I do not acknowledge ownership of this alleged debt and request full validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Pursuant to federal and applicable state laws, please provide the following documentation to validate the debt and your legal right to collect : A copy of the Purchase Agreement between XXXX XXXX XXXX and the original creditor. 


A complete Transfer of Assignment or Bill of Sale identifying the specific account in question. 


Any Forward Flow Agreement ( s ) or related documentation outlining the terms and conditions under which the debt was transferred.

A copy of the original contract or agreement bearing my signature, evidencing the alleged obligation. 


A full accounting history, including all charges, payments, interest, and fees applied to the account. 


These documents are required to establish legal standing and ownership of the alleged account. Mere summaries, internal documents, or spreadsheets do not constitute proper validation under the law. 
If you are unable to produce the above documentation within 30 days from the date of this letter, I will consider the matter unresolved and may initiate a civil claim without further notice, seeking declaratory relief and any other remedies available under federal and state laws for continued attempts to collect a debt without proper validation.

I request that all future communication regarding this matter be in writing. 
Sincerely, XXXX XXXX XXXX XXXX attorney

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The original contract or agreement showing that I am obligated to pay this debt. 
The name of the creditor to whom the debt is currently owed. 
A detailed statement of the amount you claim I owe, including any interest or fees that have been applied. 
Documentation of your authority to collect this debt on behalf of the original creditor. 
There has been no appropriate validation of evidence from original contract with an original signature of my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
On XX/XX/XXXX a charge of {$200.00} was made for a hotel stay in XXXX  Texas, which I did not authorize. I have never visited XXXX and did not make this purchase. 

Upon discovering this unauthorized charge, I immediately contacted Chase to report the incident. They promptly canceled my card and issued me a new one.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Ive been paying for Experians credit monitoring service, but I have not been able to access my credit score or full credit report since removing a fraud alert over a week ago ( around XX/XX/year> ). I confirmed the alert was lifted, but my score is still unavailable and nothing has updated. I contacted customer service several times by phone and also used the virtual assistant ( EVA ), but no solution has been provided. I am paying monthly for a service that is currently not functional.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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.
State: NC

Complaint narrative:
I was banned for using a online betting website but it was not restricted year before

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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:
The attached FTC Identity Theft Affidavit reports separate fraudulent accounts appearing on my consumer FICO credit report, which I do not recognize as reported and resulting from identity theft and fraud. These fraudulent accounts have resulted in fraudulent collections appearing on my consumer report. However, I approached TransUnion directly regarding this matter in a previous complaint. Consumer name : XXXX XXXX XXXX, social security number XXXX XXXXXXXX, XXXX ). This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), the Equifax and Experian credit reporting agency after not receiving any verification method from the accreditors delete any information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize the attempts mentioned above. The hard inquiries appearing on my consumer credit report were not made, or initiated by me. I have attached a copy of FTC Identity Theft as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Torres Credit Services, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX is reporting a {$990.00} collection tradeline on my clients TransUnion credit report under her name, XXXX XXXX, dated as opened XX/XX/year>. She was never notified of this debt. No letter was ever sent. She was never given the chance to dispute or request validation. Despite this, Torres began collection efforts and reported the account to a credit bureau. 

This violates 15 U.S.C. 1692g ( a ) of the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to send written notice within 5 days of initial contact, including the right to dispute. They never did. Reporting the debt without verifying its accuracy also violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ). 

The alleged account is also time-barred under Pennsylvania law XXXX XXXX XXXX has had no utility account that could possibly relate to this debt in over four years. That makes it legally uncollectible under 42 Pa. C.S . 5525 ( a ) ( 8 ). Torres failed to disclose that the debt is time-barred, which violates 73 P.S. 2270.4 ( b ) ( 5 ) ( ii ) of XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). 

We sent Torres a formal legal demand letter instructing them to delete the tradeline, stop all collection activity, and produce sworn declarations and documentation supporting their authority to collect. We also warned that failure to comply would result in a complaint to the CFPB and the Pennsylvania Attorney XXXX XXXX XXXX XXXX XXXX. 

We are demanding that Torres : 1. Permanently delete the tradeline from all credit reporting agencies.

2. Immediately cease collection activity.

3. Provide full validation, assignment documentation, and mailing records under oath.

They should not be permitted to continue reporting this unverifiable and time-barred account. This is a serious violation of federal and state consumer protection laws, and we request the CFPB take enforcement action.

Company response to consumer: Closed with explanation