vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
After reviewing my recent credit report, I discovered that Credit Collection Services ( CCS ) is reporting an alleged debt in my name. I have never received a written notice regarding this debt within XXXX ( XXXX ) days of your initial communication, as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ). Your failure to provide timely notice constitutes a clear violation of federal law. 

Accordingly, I am formally disputing the validity of this alleged debt and demanding the following documentation in full compliance with federal law and applicable case precedent : The name and address of the original creditor. 

A copy of the original agreement or contract, bearing my signature, that allegedly created the debt. 

A complete and unbroken chain of title for the debt, including all assignments and transfers, properly notarized. 

Proof that Credit Collection Services has the legal authority and standing to collect on this debt. 

A detailed, itemized accounting of the amount you claim is owed, including the principal, interest, fees, and any other charges. 

Case law affirms that a debt collector must be able to substantiate its right to collect a debt through valid documentation, including : XXXX v. XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX. XXXX ) A valid assignment must be proven by an assignee to enforce a debt. 

XXXX v. XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Legal standing requires a demonstrable and valid chain of title. 

XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ) A mere assertion of ownership is insufficient ; evidence of assignment must be provided. 

Unless and until you provide the requested documentation and it is verified as accurate, I demand that you immediately cease all collection activity and remove any negative tradeline associated with this alleged debt from all consumer reporting agencies. This demand is made pursuant to 15 U.S.C. 1692g ( b ) and 15 U.S.C. 1681s-2 ( b ).

Should you fail to comply with this request, I will pursue all available legal remedies, including claims for statutory and actual damages under the FDCPA, the Fair Credit Reporting Act ( FCRA ), and any applicable state consumer protection laws. 

This correspondence serves as a formal dispute of the alleged debt and a notice of intent to pursue legal action should Credit Collection Services continue any unlawful collection or credit reporting activity without proper validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: SOFI TECHNOLOGIES, INC.
State: MS

Complaint narrative:
I am reporting a series of unauthorized charges by a merchant called XXXX, totaling {$53.00} over several months. I attempted to dispute the most recent {$23.00} charge with XXXX, but they denied my claim based on general assumptions about my spending habits and relationship with the merchant, rather than actual proof that I authorized the transaction. 

I have made multiple attempts to cancel and contact the merchant directly, but they have not responded, and I am unable to remove my payment information from their system. I believe these are unauthorized recurring charges, and XXXX has failed to protect me under the XXXX XXXX Transfer Act ( XXXX ). 

I am requesting a full refund for the unauthorized charges and that XXXX take action to block future withdrawals from this merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: LA

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports I noticed some accounts I am not familiar with. I have asked CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed I have submitted a FTC complaint reporting the information I am not familiar with. 



Please find attached a copy of the FTC complaint, copy of XXXX report showing my information being exposed in national database and a validation of debt letter

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have noticed some inaccurate eateries on my personal information and would like it update immediately. Only the name XXXX XXXX XXXX Is my correct name. The names L XXXX XXXX and XXXX  XXXX XXXX must be removed as they are incorrect and do not lawfully identify me. Employers the following employers EMPLOYERS XXXX XXXX XXXX And XXXX XXXX this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove it from my credit report. Addresses. Only the address XXXX XXXX XXXX XXXX, OHXXXX  Should be present on my consumer report. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses .. the following addresses must be removed XXXX XXXX XXXX XXXX, OHXXXX and XXXX XXXX XXXX XXXX, OHXXXX  They must be removed 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 explanation
Consumer complaint received 2025-07-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
On XX/XX/year>, a charge of {$560.00} from XXXX XXXX XXXX XXXX was posted to my Capital One credit card. I did make a purchase from this merchant, but I paid for it using my XXXX debit card, and the amount was higher ( {$1500.00} ) which I paid in XXXX separate payments shown in my XXXX statement and invoice. I provided Capital One with proof of that purchase, including my bank statement and invoice. 
Capital One initially issued a temporary credit and told me that if the merchant did not respond, the case would be resolved in my favor. Later, they reversed that credit based on documentation from the merchant claiming no other payments were received. However, the documents submitted by the merchant clearly belong to another customer ( XXXX XXXX ) and reference a card ending in XXXX. The name, signature, and invoice do not match mine in any way. The only thing that matches is the card number ending in XXXX, which may have been entered in error or used without my authorization. 
As soon as I saw the charge on my account, I contacted Capital One, canceled my card, and requested a new one to prevent any further issues. I also attempted to resolve the issue directly with the merchant by phone and messages before filing a dispute, and I included screenshots of those communications. The merchant acknowledged my messages but never refunded me or resolved the issue. 
Despite sending all requested documents including the proof of the original debit card transaction, Capital One denied my dispute twice, claiming that the information I provided was incomplete, but never explained what was missing. The merchants proof is for an entirely different person and still led to my dispute being closed. 
I have exhausted all appeal options and am now being held responsible for a charge I did not authorize. I respectfully request the CFPBs assistance in reopening and properly reviewing this case. I am willing to provide all documentation again if needed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-18 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
Date : XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX DC XXXX Subject : Formal Dispute Against ChexSystems Under FCRA To Whom It May Concern, I am writing to formally dispute inaccurate and potentially harmful information being reported by ChexSystems that is negatively impacting my ability to access consumer banking and financial services. 

After reviewing a consumer report from ChexSystems, I found entries that I believe to be inaccurate, incomplete, outdated, and in violation of the Fair Credit Reporting Act ( FCRA ), specifically under : 15 U.S.C. 1681i Failure to properly investigate disputed information 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy of the information reported I am requesting the Consumer Financial Protection Bureau to investigate the following issues : Incomplete and Inaccurate Information : I have not received any documentation or original account records from ChexSystems validating the accuracy of the reported information.

Lack of Proper Notification or Verification : I was not informed of the negative information being reported, which directly led to the denial of banking services. 
Failure to Verify or Remove Obsolete Accounts : The report includes information that appears to be outdated or beyond the FCRAs allowable reporting timeframe. 
Harm to My Financial Reputation : Due to these inaccuracies, I have been unfairly denied access to basic financial services such as checking and savings accounts. 
I previously contacted ChexSystems to dispute these inaccuracies but have not received adequate response, supporting documentation, or resolution. Therefore, I am requesting that the CFPB take the following actions : Conduct a full reinvestigation of all disputed accounts listed by ChexSystems Require ChexSystems to provide original signed documentation validating the reported information Permanently remove any unverifiable, inaccurate, or outdated data Confirm in writing any updates or deletions made as a result of this reinvestigation Attached are copies of the following supporting documents A valid government-issued photo ID Proof of current address ( utility bill or bank statement ) A copy of the ChexSystems report as well.

I respectfully ask for your immediate assistance in protecting my rights under the FCRA and ensuring that ChexSystems complies with all federal requirements regarding fair and accurate reporting. 

Thank you for your time and attention to this matter. I look forward to your response. 

Sincerely, 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 2025-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno
State: OH

Complaint narrative:
Dear Consumer Financial Protection Bureau, I understand that the CFPB has filed a statement of interest in the Synapse bankruptcy case, indicating their belief that XXXX may have violated the Consumer Financial Protection Act. I am writing to provide a personal statement regarding the financial and emotional harm I have experienced as a result of the account disruptions tied to XXXX XXXX XXXX and its associated partner banks and fintech platforms. 

My Background : I was a customer of Juno, which used XXXX XXXX XXXX to facilitate banking services. My account was held at XXXX XXXX  XXXX XXXX and was frozen on or around XXXX, without warning. 

The Harm I Suffered : When my account was frozen, I had {$3200.00} in the account. Since then, I have recovered {$1800.00}, leaving {$1300.00} still inaccessible over a year later. 

This interruption has caused me significant hardship. Specifically : XXXX. I was assessed fees by my credit card company on XXXX for insufficient funds despite having sufficient funds in my account. These fees totaled {$39.00}. 
XXXX. I lost out on potential interest that I could have been earning on my funds while they have sat in limbo for over a year. 
XXXX. I experienced severe anxiety and distress due to the sudden loss of access to my savings. 


I am not a venture capitalist or an institutional investorI am a retail consumer who trusted a financial product that was marketed as safe and FDIC-insured. No one should lose access to their legally deposited money because of behind-the-scenes failures between banks and middleware providers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ 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 2025-07-18 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: NC

Complaint narrative:
I HAVE BEEN DEALING EQUIFAX OFFICE OF CONSUMER AFFAIRS SINCE XXXX OF 2025 FOR THIS FRAUD XXXX  XXXX ACCOUNT, I HAVE SUBMITTED OVER XXXX TIMES PROOF WHICH INCLUDES POLICE REPORT, FTC IDENTITY THEFT REPORT AND RESPONSE WERE XXXX XXXX RESPONDED THAT TOTAL OF THREE ACCOUNTS WERE OPENED IN MY NAME FRAUDULENT AND THEY WERE ALL CLOSED AS FRAUD AND I WAS NOT RESPONSIBLE FOR ANY DEBT OWED. EQUIFAX HAS ALL THE PROOF SHOWING THEM ABOUT THIS ACCOUNT WITH XXXX  XXXX BANK IS FRAUD AND EQUIFAX KEEP ALLOWING THEM TO KEEP UNBLOCKING THE ACCOUNT WITHOUT ANY PROOF AND IM SHOWING ALL THE PROOF AND XXXX  XXXX SHOWS NOTHING AND THEY ALLOW THEM TO REPORT, I HAVE NOW LOST MY HOME LOAN AND NOW ITS DELAYED AND MY DOWNPAYMENT IS GOING TO BE LOST OF XXXX BECUASE MY CREDIT SCORE DROPPED BECAUSE EQUIFAX IS ALLOWING XXXX XXXX TO REPORT, BUT XXXX  KEEP REPORTING BACK TO FTC AND CFPB THAT THEY ARE NOT REPORTING ANYTHING ON MY CREDIT FILE, THEN THE POLICE HAS CONTACTED ME STATING THEY HAVE DONE A FULL CHARGEBACK ON ALL TRANSACTIONS THAT WAS DONE ON THE FRAUD ACCOUNT WITH XXXX  XXXX, SO XXXX XXXX  HAS GOTTEN ALL THERE MONEY BACK AND STILL REPORTING A FRAUD ACCOUNT AND TRYING TO COLLECT MONEY ON A FRAUD ACCOUNT WHEN THEY ALREADY PULLED ALL THE MONEY BACK AND EQUIFAX IS ALLOWING THIS, IF THIS DOESN'T GET REMOVE ASAP BY SUNDAY THE XXXX OF XXXX I WILL LOSE ALL THE DOWNPAYMENT FOR MY HOME LOAN AND THEN I WILL TAKE LEGAL ACTIONS AGAINST EQUIFAX ON MONDAY. I NEED THIS ACCOUNT REMOVED AND BLOCK PERM

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: Exeter Finance, LLC.
State: FL

Complaint narrative:
This letter is a formal dispute and notice of federal law violations concerning the account referenced above. 

Exeter Finance is currently reporting and attempting to collect on a charged-off and repossessed auto loan account, even though the account was closed, charged off on XX/XX/XXXX, and the collateral ( vehicle ) was recovered and sold in XX/XX/XXXX. Despite this, your company continues to : Report a balance as currently due ; Fail to provide a full accounting post-sale ; Refuse to supply legal documentation proving a continued right to collect. 

This constitutes misrepresentation of the legal status of the debt, and may violate several provisions of federal law.

15 U.S.C. 1692e ( 2 ) ( A ) False Representation You are misrepresenting the character, amount, or legal status of the debt by : Reporting a balance due after the contract was charged off and the asset was sold ; Failing to acknowledge whether a 1099-C was issued, indicating cancellation of debt ; Implying continued collection authority without documented proof.

15 U.S.C. 1692g Failure to Validate Debt You failed to provide : A proper validation of the alleged deficiency balance ; Itemized accounting or breakdown of charges post-repossession ; Proof of ownership or assignment ; A copy of the Notice of Deficiency and mailing records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
b'"I sent a certified letter to Experian XXXX with a tracking number XXXX XXXX XXXX XXXX XXXX XXXX via XXXX. The letter was received on XXXX. Experian did not reply to my request I proceeded to send another letter dated XXXX which was also ignored. The account I am disputing is with bank:\'\' \nXXXX XXXX XXXX ACC # XXXX  BALANCE $XXXX\nXXXX ACC #XXXX BALANCE $XXXX\nXXXX ACC # XXXX BALANCE $XXXX\nXXXX XXXX XXXX ACC # XXXX  BALANCE $XXXX \nXXXX ACC # XXXX  BALANCE $XXXX\nXXXX ACC #  XXXX BALANCE $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 2025-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Hello, this account ( XXXX XXXX ) was open due to identity theft. It was not opened by myself. Per section 609 of the Fair Credit Reporting Act, I am entitled to see the source of information, which is the original contract that contains my signature.

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