vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Formal Dispute & Demand for Immediate Deletion Account Name : XXXX XXXX XXXX / XXXXXXXX XXXX Account Number XXXX XXXXXXXX Status : Fraudulent Not Mine To Whom It May Concern : I am writing to formally dispute the above-referenced account that XXXXXXXX XXXX XXXX is reporting or attempting to collect. This account is not mine, is inaccurate, and appears to be the result of fraudulent activity. I have no knowledge, records, or association with this alleged Snap Finance account. 

Under the Fair Credit Reporting Act ( FCRA ), including XXXX5 U.S.C. 1681i and 1681s-2, and under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting : XXXX. Immediate deletion of this account from any credit bureau to which it has been reported ; XXXX. Immediate cessation of collection activities related to this fraudulent account ; XXXX. A complete investigation and written confirmation that this account has been removed and all collection activity terminated. 

Because this account is fraudulent and does not belong to me, I demand that you do not verify or attempt to continue reporting this inaccurate information. Doing so knowingly would constitute a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: Comerica
State: CA

Complaint narrative:
I Called XXXX number for direct Express. Spoke with an agent who clearly stated the ONLY WAY TO RETRIEVE MY XXXX PAYMENTS WAS THROUGH THEIR CARD. ( SO THEY COULD BENEFIT FROM FEES ) MY CHILD AND I CLEARLY HEARD THIS MAN TELL ME THAT THEY DONT DO CHECKS AND IF I WANTED MY MONEY FAST I HAD TO GET THEIR CARD. THEY were even going to charge me for expedited receipt of another card. I DO NOT WANT A CARD THAT WILL NEVER ACTIVATE AND I WOULD NEVER REACH ANYONE TO FIX. IT WILL BE JUST ANOTHER DELAY SO THEY CAN JUSTIFY FORFEITURE OF MY XXXX PAYMENTS. MY EXPERIENCE WITH BANKS HAVE BEEN JUST LIKE THIS. OVER AND OVER AND OVER AND OVER. BELITTLING THE ELDERLY AND XXXX. 
I RECOMMEND THAT COMERICA GIVE UP THIS CONTRACT AND HAND IT TO A bank who actually cares and listens. COMERICA IS TRYING TO COLLECT ON AN ACCOUNT THAT BELONGED TO MY MOTHER. NOT ME. MY MOTHER HAD XXXX XXXX Comerica DEMANDED THAT I ADD MYSELF TO AVOID FUTURE LOCK OUTS. BUT WHEN IT WAS TIME TO CLOSE AFTER PASSING, THEY TOLD ME MY DECEASED MOTHER HAD TO BE PRESENT WHEN THE WHOLE PURPOSE WAS TO AVOID ISSUES UPON HER PASSING. THEY REFUSED TO CLOSE THE ACCOUNT. IM GOING TO KEEP Complaining until I get my XXXX payments in the manner of my CHOOSING. They purposely waited until after XX/XX/XXXX. So they can use that excuse the govt. Isn't offering checks. 
They are a bank institution that processes checks when folk closes their account. But refuse to write me a check for the full amount RECEIVED and CLOSE THE ACCT. THEY continue to want to keep my account open. I don't want TO DO BUISNESS WITH THESE CROOKED XXXX. I also want any interest accumulated in my XXXX payments that have been sitting there. I WANT MY ACCOUNT CLOSED. WITH A CHECK, I DO NOT WANT A CARD. I SPEAK LOUDLY DUE TO THE FACT THAT I Have Been asking for help since XX/XX/XXXX. On this matter. WELL OVER 60 DAYS. I DO NOT WANT A DIRECT EXPRESS card! EVER!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: DC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: DC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-15 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: MD

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-11-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: NV

Complaint narrative:
I canceled my XXXX home internet service due to poor performance and was told at the time that my account was paid and closed. I was never told clearly that I needed to return equipment, nor was I provided instructions on how to do so. 

XXXX began calling me repeatedly a few weeks after cancellation, asking for the equipment back. However, each time I spoke to an agent and asked where to return it and what confirmation I would receive, I was either placed on hold indefinitely or the call disconnected from their end. I never received a proper answer or a return method, despite asking multiple times. 

Complicating things further, my mailbox was flooded with mail from a previous tenant, and I missed several letters due to the mail pileup, making it harder to know what actions were required early on. 

Once a XXXXparty collector ( they told me their name was XXXX XXXX XXXX ) contacted me and stated I owed ~ {$390.00} ; the majority of which was for the equipment, I again offered to return it. However, their representative ( XXXX XXXX ) told me it was too late and that XXXX only wants the money now. I was told I had no option but to pay. 

I mailed a XXXX XXXX on XX/XX/year>, formally disputing the debt and requesting itemization and return options. They responded with past notices but no return instructions and maintained the position that I had to pay. I was never given the opportunity to resolve this by simply returning the equipment, which was my intent from the start. 

On XX/XX/year>, the debt appeared on my XXXX  credit report and other credit reports as well via a different collector, Credence Resource Management ( The collection agency is CREDENCE RESOURCE MANAGEMENT. The original creditor was XXXX XXXX. ) dropping my score by XXXX points. I was never contacted by XXXX  prior to this reporting. 

I am requesting that this collection be removed from my credit report and that I be given the chance to return the equipment instead of being forced to pay for it, especially since I made multiple documented attempts to resolve the matter fairly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FourLeaf Federal Credit Union
State: FL

Complaint narrative:
XX/XX/14 - I received a restraining fee of {$50.00} and an unauthorized withdrawal of my account in the amount of {$3000.00} from XXXX XXXX XXXX XXXX as per my bank. 

This debt collector nor bank provided with me with any information and took our Social Security money. No letters or notices were received. 

Bank told me that they rejected a previous notice to withdraw funds.

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 2025-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
I am filing this complaint because Ally Financial sent me an inaccurate and misleading 60-day delinquency / repossession-risk email, changed my due date without proper notice or agreement, and continues showing contradictory information about my loan status inside their own system.

Timeline : On XX/XX/25, Ally emailed me stating I was 60 days late and at risk of repossession unless I contacted them immediately.

It is not possible for me to have been 60 days late on that date based on my payment history.

I immediately called Ally the same day, and the representative confirmed that I was NOT 60 days late and NOT eligible for repossession.

This means the written notice from Ally was false, misleading, and threatening, and the phone representative directly contradicted Allys own email.

Due Date Change : Without clear disclosure or consent, Ally appears to have changed my due date to the XXXX of the month, which I did not agree to. This change was never clearly communicated to me, and it alters the appearance of my payment status. 

Contradictory Account Information : Inside the Ally app, I have screenshots showing contradictory information about my payment status and due date. One screen indicates one due date / delinquency status while another shows something different. This inconsistency makes it impossible for me to rely on their system to keep the account in good standing.

Concerns : These actions are unfair and misleading. The inaccurate delinquency notice caused severe stress and confusion, and the shifting/unclear due date could lead to improper late fees or negative credit reporting.

I am worried that Ally may have already reported, or could report, inaccurate late payments or delinquency information to the credit bureaus because of their own internal errors.

I can provide copies of : The email stating I was 60 days late Screenshots showing contradictory information in the Ally app I am requesting the CFPBs assistance in ensuring Ally corrects the inaccurate communication, clarifies the due date, fixes the inconsistent information in their system, and prevents any negative or inaccurate credit reporting related to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: FL

Complaint narrative:
A few months ago, I opened a fraudulent link sent to my email, allowing unauthorized individuals to access all my personal information, including data on my phone. Since then, new accounts have appeared on my credit report that I did not request. I contacted Experian to report the identity theft, but I have not received clear solutions. Phone wait times are extremely long over an hour on several occasions and I still havent received real assistance, which has only increased my frustration.inquiry : XXXX XXXX Inquired on XX/XX/XXXX ACCOUNTS : XXXX XXXX  XXXX-revolving- XX/XX/XXXX XXXX XXXXDate opened XX/XX/XXXX XXXX Original creditor : XXXX XXXX  XXXX revolving-Date opened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXXAuto Loan-Date opened XX/XX/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 2025-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Dispute Summary Fraudulent Merchant Activity 1. Transaction Details Date : XX/XX/2025 Amount : {$77.00} USD PayPal Transaction ID : XXXX Seller : XXXX XXXX XXXX / XXXX originally advertised as XXXX XXXX. Order Details Product : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Order Total : {$77.00} Order Status : Not Shipped ( as shown on order page ) XXXX. XXXX XXXX PayPal receipt confirms payment was authorized and processed. 
Order page shows items remain Not Shipped after 11 days.

Seller failed to respond to two emails.

PayPal Resolution Center prematurely marked the case Resolved. 
XXXX XXXX  online dispute portal displayed No Transactions Available for Dispute despite the debit being posted. 
4. Claim Authorized payment, fraudulent merchant activity : Goods were never shipped.

Platform failures : PayPals Buyer Protection and XXXX dispute portal failed to provide remedy. 
5. Relief Sought Refund of {$77.00} USD.

Investigation into systemic dispute failures at PayPal and XXXX. 
Assurance that future disputes involving fraudulent merchants are properly handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This account is under federal deferment through the XXXXXXXX XXXX XXXX XXXX While no payment was due, the credit bureaus and XXXX are reporting XXXX and XXXX late codes in early 2025. A deferred loan can not legally be shown as past due. This conflicts with both FCRA 1681e ( b ) ( accuracy ), 623 ( a ) ( 1 ) ( A ) and ( a ) ( 2 ) ( furnisher accuracy and update duties ), and Metro 2 guidelines requiring Field XXXX = DA ( Deferred ) with no late codes in Field XXXX. 
Request immediate correction to show XXXX / XXXX XXXX Payments, remove all delinquency indicators, and re-issue corrected reports to all bureaus.

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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My credit report is inaccurately reporting a bankruptcy public record that can not be verified. I contactes the XXXX Bankruptcy XXXX directly, and the court provided a signed letter confirming that : - They do NOT report bankruptcy records to any credit bureaus. 
- They do NOT verify bankruptcy information for any credit bureau other than third- party vendor. 
- Any information appearing on my credit report is gathered by third- party data harvesters, not the court. 


I also disputed this directly with XXXX ( the primary public- record vendor ) XXXX responded in writing that they could NOT locate or verify a bankruptcy record belonging to me. 

Despite this, XXXX, TransUnion, and XXXX  continue to report the bankruptcy, which violates FCRA 1681e ( b ) andn 1681i, because no data furnisher exists to verify the accuracy of the public record.

I am requesting CFPB assistance to require all three credit bureaus to REMOVE the unverified bankruptcy and update my credit files immediately.

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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit report is inaccurately reporting a bankruptcy public record that can not be verified. I contactes the XXXX Bankruptcy XXXX directly, and the court provided a signed letter confirming that : - They do NOT report bankruptcy records to any credit bureaus. 
- They do NOT verify bankruptcy information for any credit bureau other than third- party vendor. 
- Any information appearing on my credit report is gathered by third- party data harvesters, not the court. 


I also disputed this directly with XXXX ( the primary public- record vendor ) XXXX responded in writing that they could NOT locate or verify a bankruptcy record belonging to me. 

Despite this, XXXX, XXXX, and Equifax continue to report the bankruptcy, which violates FCRA 1681e ( b ) andn 1681i, because no data furnisher exists to verify the accuracy of the public record.

I am requesting CFPB assistance to require all three credit bureaus to REMOVE the unverified bankruptcy and update my credit files immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Urgent CFPB Complaint : Huntington Bank Unauthorized Transactions, Joint Account Violation, and XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to escalate my ongoing complaint against XXXX XXXX XXXX. My representative tried to resolve this issue with you but you ignored her. regarding unauthorized electronic fund transfers ( XXXX  ) totaling {$2700.00} on my personal checking account ending in XXXX, as well as related activity on the joint account ending in XXXX, between XX/XX/year>, and XX/XX/year>. 

Despite my immediate reporting of the stolen debit card in XX/XX/year>, XXXX has failed to secure my accounts, investigate the fraudulent activity properly, or protect the joint account co-owned bl because as a military service man, I was only XXXX and had to have my mother cosign with me .im currently serving on XXXX XXXX in the United States XXXX XXXX XXXX XX/XX/year>, response incorrectly claims that no disputes existed prior to XX/XX/year>. However, my bank statements, phone logs, and the replacement debit card photographs clearly document multiple attempts to report and resolve this fraud in XXXX, XXXX, and XX/XX/year>, constituting formal disputes under Regulation E of the Electronic Fund Transfer Act ( 12 C.F.R. Part 1005 ). 

XXXX issued replacement debit cards with the same account numbers as the stolen card, enabling continued unauthorized transactions. Standard banking protocols require new numbers in cases of suspected fraud. This failure directly violates Regulation E requirements and shifted undue liability to me. During an XX/XX/year> call with XXXX representatives, they acknowledged extensive fraud notes on my account and expressed confusion over why my dispute was not processed earlier. 

Additionally, XXXX unilaterally closed both accounts XXXX  days after reporting to you. without notification or consenton XX/XX/year>. This action deprived me access to funds while XXXX, in violation of the XXXX XXXX XXXX XXXX ( 50 U.S.C. App. 501597b ), and contravened federal and state protocols regarding joint accounts. The closure notice was sent to an incorrect address, further delaying resolution. 

XXXX also attempted to collect a XXXX XXXX XXXX  tied to the disputed overdrafts, despite Regulation E prohibitions on enforcing fraud-related charges without resolving the underlying dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Possible Financial Inc
State: MI

Complaint narrative:
Dear CFPB, I am writing to formally submit a complaint against Possible Financial regarding my account with customer number XXXX. I believe that the practices employed by Possible Financial may constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 USC 1692. 

Details of the Complaint : Account Number : XXXX Outstanding Balance : {$440.00} Nature of the Complaint : I requested a validation letter, and also the original contract with me wet signature. 

Despite my attempts to resolve this matter directly with Possible Financial, I have encountered the following issues : 1. Possible left a voicemail stating they will be garnishing my wages, if they dont hear from me by end of business day.

2. Emails was sent from XXXX until mid XXXX requesting me to call, pay fees, late fees. I submitted a cease and desist email and the emails continued.

These actions not only caused me significant XXXX  but may also be in violation of federal law as outlined in the FDCPA. Therefore, I respectfully request that your office investigates this matter thoroughly and takes appropriate action to address these practices.

Attached to this complaint are copies of relevant documents, including any correspondence with Possible Financial, that support my claims. 

Please confirm receipt of this complaint and keep me informed about the progress of your investigation. I appreciate your attention to this matter and your assistance in ensuring fair debt collection practices. 

Thank you for your prompt attention to this issue

Company response to consumer: Closed with explanation