vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-06 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: DE

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-10-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kashable LLC
State: PA

Complaint narrative:
The status and balance on this account are unverifiable. I dispute the legal sufficiency of the data furnishers records to verify the accounts current standing and the propriety of its transfer to its current state. The " Date the XXXX Delinquency '' is listed as XX/XX/year>. As this account is a collection account, its permissible reporting period under 15 U.S.C 1681c ( c ) is XXXX years from this date. The account is now approaching this legal limit, and its continued reporting requires absolute accuracy, which I dispute. Please conduct a reasonable reinvestigation pursuant to 15 U.S.C. 1681i ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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:
Validate ALL ACCOUNTS WITH ORIGINAL CONTRACTS AND AGREEMENTS. NO COPIES. 
According to the Fair Credit Reporting Act 15 U.S.C. 1681 section 611 section ( a ) ( 1 ) ( A ) * conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

I DEMAND TO SEE VERIFIABLE PROOF : MEANING THIS SHOULD BE HARD EVIDENCE THAT SHOW THE WET INK CONTRACTS, NOT FROM THIRD PARTY CREDITORS.

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 2025-10-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: OR

Complaint narrative:
I am trying to use a XXXX dollar gift card I have been given and it wont work and I contact the website on the card and cant check the balance at all. Its a bad way to do business.

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 2025-10-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 
Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 
I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XX/XX/year> and XX/XX/year> I sent 2 letters requesting verification listed below MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MI XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding the above-mentioned account, which you claim I owe {$5400.00}. This is a formal notice that your claim is disputed. 
Please note that I am requesting validation ; that is competent evidence, showing that I have ( or ever had ) some contractual obligation to pay you. Please provide the record that reflects the process by which my signature was generated/executed. 
Any negative mark found on my credit reports ( including XXXX, XXXX and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA/FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

P.S. If needed, I will also provide a copy of this letter to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX No letter has been recievied until now wanting full payment and threating to envolve an attorney and sue me for the debt. They have completely ignored my rights in this matter and have broken the law twice by not responding within the 30 days to prove that i owe this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-05 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: American Credit Acceptance, LLC
State: TN

Complaint narrative:
ACA has submitted the exact same response multiple times without providing new documentation or direct proof that I authorized their access to my credit file.

Under FCRA 604, a permissible purpose requires explicit consumer consent. The company continues to rely on generic XXXX terms and conditions instead of producing my signed or verified credit application. 

Additionally, ACA accessed my report twice, a year apart ( XX/XX/XXXX and XX/XX/XXXX ). The company has failed to show that I initiated or authorized multiple applications or that a legitimate permissible purpose existed for the second inquiry. 

I request CFPB escalation for failure to investigate and continued reporting of unauthorized inquiries. These inquiries must be removed from all credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: CA

Complaint narrative:
I find it very unfortunate that Experian has ignored my requests and doesnt seem to care about the consumer. I regularly check my credit reports these last few months and my scores due to pressing needs of me and my entire family. I have been reaching out to Experian regarding items I believe to be inaccurate and unlawful to post about me. This has caused me a lot of XXXX and XXXX which I have been getting treatment for and along with this I recently suffered an event that has XXXX XXXX XXXXXXXX. This has caused me to take time away from work and I have been trying to find a new home that takes me away from the area that can possibly trigger my XXXX. However again due to the derogatory items being reported about me damaging me, I have been unable to obtain new lodging in a safer community for me and my family. I have previously reached out to CFPB regarding this as Experian being one of the important Credit Reporting Agencies in my region just about all lenders seem to use them to verify my financial worthiness. Also if this is indeed the way that Experian operates then I would imagine that other people in this country experience the same outcome when they dispute with them as well. I have researched and talked with others and I can not seem to find anything supporting this occurrence. I have reached out to Experian about this multiple times calling their call center where I can not seem to get reliable help regarding this situation and most times my calls end with their representatives hanging up on me and not calling back until days later from an unavailable number and not leaving a direct line for me to reach back to the representative that I would hope is from a higher level of representation. So to all of this then please explain the errors and false misleading information on my report and the exact process being used to verify them as I honestly believe that they are illegally being reported to begin with and if they are removed as they should per law then I have no reason to dispute.

I demand Experian to reinvestigate every item on this letter for completeness and accuracy and remove these accounts from my consumer report ASAP as they do not meet the standards or I will be forced to file litigation against them for furnishing false and inaccurate accounts on my credit report.

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 2025-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year>, someone stole my information and took out cash ( {$1500.00} ) from a Bank of America ATM. I had the same problem again a couple weeks later where they took out ( {$570.00} ) in XXXX different tranactions in the same Bank of America ATM. I disputed all the transactions but Bank of America only credited me the {$570.00} and didnt credit me the other {$1500.00}. Sidenote : i had my physical card with me and none else has one so i dont know they were able to take the cash out of the ATM.

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 2025-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to dispute information on my credit report that I believe is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ), specifically under the provisions of 15 USC 1681i ( 7 ). As a consumer, I have the right to ensure that my credit report is free from any erroneous or outdated information. 

Upon reviewing my credit report from your agency, I have identified the following inaccuracies : Please list any specific inaccuracies, such as incorrect account balances, incorrect payment history, or outdated information. This misinformation is damaging my credit score and financial standing and may also be a violation of 15 USC 1681-I ( 7 ), which requires the accurate reporting of consumer information. 

I request that you investigate these discrepancies and provide me with a written explanation of the results of your investigation, in accordance with the FCRA guidelines. I also request that the inaccurate information be removed from my credit report as soon as possible. 

Please note that under the FCRA, you are required to complete the investigation within XXXX days of receiving my dispute. Failure to comply with this timeline and correct any inaccuracies may result in further legal action. 

I appreciate your prompt attention to this matter and look forward to receiving a written response within the specified time frame. I appreciate your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Comerica
State: NY

Complaint narrative:
XXXX debit card given to me by government agency has given me headaches almost every month around payment deposit as I go online to pay my important bills. When these bills are not paid in a timely fashionI get late fees attatched! 

And I was just told, which was a shock to me, that my card was flagged yet again for fraudulent activity and a new card went out to me. So a call center supervisor? Told me to go to ATM and withdraw all my funds and put it in a bank card. 
So why even send me a card I cant use online? We are senior citizens who get XXXX so using the card is an easier option for us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Opportunity Financial, LLC
State: OR

Complaint narrative:
Ive made XXXX payment of {$76.00} and none of which has been credited to my payoff account. The approved loan was for {$2200.00} with a finance charge of {$3600.00}. I have not missed XXXX payment. The total payments I have calculated if for every friday since XX/XX/XXXX of {$76.00} and will continue until XX/XX/XXXX which would add up to {$5800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have called the bank more than 5 times. 
Started XX/XX/year> and XX/XX/year> I made a deposit on the XX/XX/year> the check was from my attorney office. I work at XXXX XXXX XXXX XXXX. And couldnt use my debit card for water that only cost 2 . I couldnt eat and Im a XXXX. I have became XXXX XXXX I couldnt get food to take with my medication. Nobody at Wells Fargo couldnt tell me what was going on with my account. This has caused me a great deal of stress. No money for days. This is horrible.

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 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Well i habe been affected by the recent breach of XXXX  i got a letter! N well i have the premium package at equifax! Its not giving me the benefits it claims to! For example i mail reports of cyber internet of fbi! Hacking on my end! Police reports of! Theft 8 years ago! N texas general reports n my actual documentation! N i called the said it was invalid! I was like wat are u talking about! Hes like call the berus n tell them wat u need! I was u think im gon na go around lying to the fbi! Higher government officals! Like u want a report where im completly broke! N no where to stay cuz u promise service to help! N im disputing several things like daily! They come back out a factual! When i have reports here about the hack n emails about telling the company the problem! Dates n everything match! N i put on dispute again! Today! N thy said thy don't know if i would qualify for identity theft services! Block! Im like it happened 8 years ago! N recently i have a XXXX  official letter! Like nope! Its like ur talking to a wall! N the score it suppose to be 3 n they only have their n the other havent been updated song XXXX! N i am paying for the membership! Wat are they gon na loose when all the evidence is their! Then dont promise something with to me its real evidence to them invalid

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

This is a formal complaint against APPLE CARD/GS BANK USA a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 

APPLE CARD/GS BANK USA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken

Complaint narrative:
Kraken received my deposit, then closed my account and has held my XXXX  funds since XX/XX/year>. I submitted all requested bank documents, but Kraken stopped responding to my case. I made two transactions before they closed my account. Both were with the XXXX bank card. The last digits are " XXXX. '' The first was for {$10.00} USD on XX/XX/XXXX. 
I have tried to load $ XXXX on Kraken They deducted {$9800.00} XXXX from my. XXXX bank account. After the first attempt with my XXXX bank card was successful. I then tried to top up my Kraken account with {$600.00} USD, and it was also successful. 
They deducted {$590.00} XXXX from my XXXX bank account. On XX/XX/XXXX they closed my account.

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