vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am disputing the accuracy of the reported balance for the XXXX account. The balance of {$2000.00} appears to be inconsistent with my records. I kindly request that Equifax contact the original creditor to verify the accuracy of this account and provide me with a detailed payment history. I would appreciate receiving a full breakdown of any charges, interest, fees, and adjustments that have been applied to this account. 

Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$2000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: OneMain Finance Corporation
State: NC

Complaint narrative:
One Main pulled ( hard pull ) my credit report without me making a credit inquiry or my approval. This action damages my credit rating. This is predatory lending and should be halted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nationwide Capital Services, LLC
State: FL

Complaint narrative:
Cease and Desist letter under 15 U.S.C. 1692c ( c ). 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XX/XX/year> Account info XXXX XXXX XXXX I XXXX [ Debt Collection Agency ] [ Agency Address ] [ City, State ZIP ] Re : Cease and Desist Demand 15 U.S.C. 1692c ( c ) Account/Reference No. : XXXX To Whom It May Concern : This letter is a formal and final demand for you to immediately cease all communication with me regarding the alleged debt referenced above.

This demand is made pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ).

I am fully aware of my rights, and you are now legally required to stop contacting me in any form, including but not limited to : Phone calls Voicemails Emails or text messages Letters Contacting my relatives, workplace, or any third party From this moment forward, the only communications you are permitted to send are : 1. A single written notice confirming you will stop contacting me, or 2. A single written notice informing me of a specific legal action your company actually intends to take.

Any communication beyond this will be treated as a knowing and deliberate violation of federal law.

I will not hesitate to document each violation, file formal complaints with the CFPB, FTC, and my State Attorney General, and pursue all legal remedies available, including statutory damages.

This is not an acknowledgment of the debt, nor a refusal to pay. It is a legally enforceable directive for you to stop contacting me, effective upon receipt.

Govern yourself accordingly. 

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent TransUnion my police report and ftc report. 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 non-monetary relief
Consumer complaint received 2025-11-20 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
I submitted a valid FTC Identity Theft Report, government ID, proof of address, and a sworn identity theft affidavit identifying the fraudulent Navient private XXXX XXXX loan ( Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). In my prior CFPB complaint # XXXX. Under FCRA 605B and 605B ( d ), a furnisher is REQUIRED to block and delete fraudulent information within 4 business days of receiving an identity theft report and is PROHIBITED from demanding additional internal forms or affidavits.

Navient is violating the law.

Navient responded to my previous CFPB complaint stating that the ID Theft/Forgery Affidavit was not returned that they send me. This is illegal because 605B ( d ) specifically states a furnisher may not require any additional forms or internal documents beyond the identity theft report ( FTC ).

Navient is continuing to report the fraudulent account to XXXX  as charged off, causing damage to my credit, despite receiving a complete identity theft packet.

This is a clear violation of : FCRA 605B ( a ) failure to block fraudulent information FCRA 605B ( d ) illegally requiring additional forms FCRA 623 ( a ) ( 1 ) ( A ) furnishing information they know is inaccurate FCRA 623 ( a ) ( 3 ) failure to note the information is the result of identity theft FCRA 623 ( b ) failure to reasonably investigate I am requesting immediate CFPB intervention to require : 1. Navient to block and delete the fraudulent Navient account ( # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) from all credit bureaus. 
2. Navient to notify XXXX  of deletion as required by law.

3. XXXX  to block the Navient account under FCRA 605B.

4. Written confirmation from Navient and XXXX  of the deletion.

The account does not belong to me, I did not sign for this loan, and I did not authorize any transaction. The FTC Identity Theft Report is valid, and all documents have been provided multiple times.

I am requesting enforcement action and immediate correction pursuant to federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Heres your Debt Validation Letter updated with your name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Subject : Request for Debt Validation Pursuant to FDCPA 15 U.S.C. 1692g To Whom It May Concern, I am writing in response to your recent communication regarding an alleged debt. This letter is a formal request for validation of the debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide complete and verifiable documentation, including : The name and address of the original creditor.

A detailed accounting/statement of how the alleged amount was calculated.

A copy of the original signed contract or agreement bearing my signature.

Proof that you are legally authorized to collect this debt in my state.

A copy of your license number and registered agent information ( if applicable ).

Verification that the statute of limitations has not expired.

Until you provide the above documentation, you must immediately cease all collection activities, including reporting or verifying any information with the credit bureaus, as required by 15 U.S.C. 1692g ( b ).

If you have already reported this alleged debt to any credit reporting agency, be advised that continuing to report unverified information is a violation of the Fair Credit Reporting Act ( FCRA ) 623, and I will not hesitate to take legal action if necessary.

Please send all requested information to the address listed above. I expect your response within the legally required timeframe.

Thank you. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: Exeter Finance, LLC.
State: MS

Complaint narrative:
Due to being off with no pay because of XXXX I couldnt pay on my car so it got repossessed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My credit card was charged for {$560.00} for a purchase that I didn't make.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Collection Professionals, Inc. (Macomb, IL)
State: NE

Complaint narrative:
I am filing a complaint against Collection Professionals , Inc. regarding a medical debt they are reporting on my credit report. When I contacted them to request written validation of the debt as permitted under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), they stated that they " can only send a bill '' and that they do not provide any written determinations or documentation beyond that. A bill alone is not adequate validation under federal law, and they refused to provide the required items, including an itemized breakdown, documentation from the original provider, proof that Collection Professionals , Inc. has the legal right to collect the debt, their written settlement policy, or a copy of any agreement with my signature. They also stated they do not have a compliance officer or financial assistance information available, which further prevents me from properly reviewing or disputing the debt. Because they are furnishing this information to the credit bureaus, they are legally required to provide complete written verification means the debt can not be verified for credit reporting purposes. I am requesting that this account be removed from all credit reports due to their inability to validate it, and that Collection Professionals, In. be required to comply with federal validation requirements. 

I tried reaching out twice on XX/XX/XXXX and today XX/XX/XXXX both times I was turned down. 
The amount is for {$1500.00} date opened was on XX/XX/XXXX and the original creditor was Anesthesia Care Specialists, but who owns it now is Collection Professionals , Inc .

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I lost my debit card on XX/XX/25 and there were numerous transactions totaling {$940.00} from XXXX and submitted a fraud clam on XX/XX/25 disputing those charges. Wells Fargo closed claim on XX/XX/25 stating no error was found and did not provide any information when I asked what was used to determine there was no error. 
* Update Wells Fargo denial reason was there was no further card present transaction attempts after card closed. Today XX/XX/25 I get a notification that the same debit card that was closed on XX/XX/25 was used and went through on my account. I called Wells Fargo to dispute this transaction and reopen previous transaction but refused to reopen stating it was the same card but different expiration that used XX/XX/25. I just opened my account in XX/XX/XXXX and was issued XXXX card. I wasnt issued another card until after the initial claim was disputed. Wells Fargo refused to provide me with the expiration dates of the original card. It even shows the original card being shipped when I opened the account and the new one after the claim was submitted on their app. So there is not XXXX cards on my account like they stated. Original reason for denial is not accurate as there was a transaction that went through using the same card after it was supposedly closed.

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 2025-11-20 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Someone tried to open a credit card in my name with my social security number at Chase Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I recently opened a XXXX XXXX card with Barclays Bank due to its generous welcome offer and my frequent winter travel to XXXX. The cards perks aligned with my needs. Upon receiving the card, I encountered an issue on the first day of use. Barclays Bank blocked my account and requested several documents. I promptly submitted them on XX/XX/year>. However, as of XX/XX/year>, I am still unable to access my account. Despite submitting the documents, Barclays Bank has raised concerns about their quality. The documents are either too dark, the seal is not visible ( even though it is clearly visible when sent to myself ), or the overall quality is insufficient. I am now at a loss as to what to do. It has been XXXX and a half weeks since I applied for this card, and I am currently in XXXX. This trip was the primary reason for my application, and now I am stuck. According to Barclays Bank, I can not close the account because it has a balance that I can not pay due to the inability to log in. To make matters worse, on XX/XX/year>, I contacted Barclays Bank and was informed that the documents had been processed and my account had been unlocked. However, they promptly blocked my account again, pretending that the previous unlocking was never done. This is despite clear activity on the card, as I had used it on that day. I am seeking assistance in either closing this account and receiving a refund for the annual fee, as I have not received any benefits from the card or I would like my documents verified because today on XX/XX/year> I spoke with a XXXX who stated that my documents I recently sent were verified except for my ssn card because theyre unable to make out the seal even though its perfectly visible when I fax it to my self I call back XXXX mins later to ask what else I could use instead of my ssn card just to be told that the documents or being reviewed and I dont have to send anything else in just to wait another XXXX business days so which is it like this whole process is just stressful and annoying I only wish they denied me or ask for this information before they approved me atleast then I could have just walked away, so I would love some assistance from cfpb because Im just stuck at this point

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 2025-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I bought bitcoin on XXXX XXXX and was trying to send to an external address. XXXX to find out there has to be like XXXX in my bitcoin account in order to send anyone anything. I bought XXXX cause that is what I was planning on sending to someone else. That was not gunna be able to send according to customer support so I sold the bitcoin I purchased in the app right back to the app instant buying you would think instant selling an my money be back in my account wrong answer there is a hold from the XXXX security is what I was told. Because my transaction was only XXXX mins between buying and selling in the app if it was XXXX mins it would not have been flagged that is total bs I have sold alot of bitcoin in coinbase XXXX XXXX and other platforms never experienced this hold before. Know I am also not happy that XXXX says they cant do anything to fix this that is XXXX XXXXXXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-11-20 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: GOLDMAN SACHS BANK USA
State: DE

Complaint narrative:
Someone else are using my personal information without authorization and denies employment and get credit and applied on my credit report and use my personal account like email, phone number, apple ID, and make a delay to be hired again and lie on my background and my legal documents, The same are forcing to others that nobody gave me a job without authorization and lie at any process at court and stolen my data. When I am in process to be hired damage and denies at the same company that no hired me and stop process to continue with the process to be hired. I am not permitted to anyone used my pictures and other personal information to use my information at public. are using my information to lie with XXXX XXXX at public and force and lie that I don't have to be hired. damage my life and get a good job at United States.

Company response to consumer: Closed with explanation