vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint and to dispute the validity of the above-referenced account that your company is attempting to collect. The amount you are attempting to charge does not belong to me, and I am demanding immediate removal of this fraudulent collection account. 

The account you are attempting to collect is not valid. I did not authorize, agree to, or use any services related to this alleged debt. The account was closed, and I had no further obligation to your company or the original creditor. 

I did not use or require any services from your agency or the original business after the account was closed. Any charges made after the closure of the account are unauthorized, invalid, and not legally collectible. 

Despite this being an invalid and disputed debt, your company continues to : Send collection notices Call me repeatedly Attempt to charge me for an amount I do not owe These actions are harassing, misleading, and potentially in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I never had any agreement or business relationship with your company I have never : Signed a contract with your company Used your services Owed your agency any money Authorized you to charge or bill me for anything Because I never had an account with you, you have no legal basis to claim I owe anything. 

If a company sold you a debt, it was done without my knowledge or consent. 
I did not : Approve a transfer Acknowledge any balance Any account sold without my consent is invalid, and you can not legally collect it. 

I have already disputed this account through the proper channels, yet it remains. 
I am now formally submitting a written complaint demanding that your company : Cease all collection activity immediately Delete this account from all credit bureaus XXXX XXXX XXXX XXXX XXXX Sincerely, 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 2025-11-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno
State: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I understand that the CFPB has filed a statement of interest in the XXXX  XXXX 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 XXXXXXXX XXXX  XXXX XXXX and was frozen on or around XX/XX/2024, without warning. 

The Harm I Suffered : When my account was frozen, I had {$14000.00} in the account. Since then, I have recovered {$4500.00}, leaving approx. {$10000.00} still inaccessible over a year later. 

This interruption has caused me significant hardship. Specifically I missed rent payments, leading to eviction threats. I experienced severe XXXX  and distress due to the sudden loss of access to my savings. I had to take on debt or loans to survive while waiting for my funds. 

I am not a venture capitalist or an institutional investor- I am a retail consumer who trusted a financial product that was marketed as safe and XXXX. 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 2025-11-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: OR

Complaint narrative:
I am filing a complaint regarding an unauthorized account opened in my name by First Tech Federal Credit Union. 
I recently received mail dated XX/XX/year> from First Tech Federal Credit Union indicating that I have an open account with them. I never opened or authorized the opening of any such account. The only prior interaction I have had with this institution was a loan application, which was denied. I had previously reported issues with that process to the CFPB. 
I had no knowledge that an account had been created in my name, and I only learned of it after receiving the recent mail XX/XX/year> According to the information I received, the account has been inactive for approximately five months, which aligns with the fact that I was completely unaware of its existence. Any charges, fees, or activity associated with this unauthorized account are fraudulent and should not be attributed to me. 
Upon discovering the account, I contacted the institution and formally requested that the unauthorized account be closed immediately. I also requested that all communications related to this unauthorized account cease, and that the only communication I should receive is written confirmation that the account has been closed. 
I have informed First Tech Federal Credit Union that failure to close the account will result in escalation to the CFPB and FTC. This situation raises serious concerns regarding the unauthorized use of my personal information, improper account creation, and mismanagement of consumer data. 
I am requesting CFPB assistance to ensure that : 1. The unauthorized account is closed immediately ; 2. All related fees, charges, or activity are removed from my name and records ; 3. All communications about this unauthorized account cease ; 4. First Tech Federal Credit Union addresses and explains how my personal information was used to open an account without my authorization. 
This matter has caused significant concern, and I am requesting prompt action to resolve it and prevent further misuse of my personal information.

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 2025-11-25 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: NC

Complaint narrative:
THE REPORTING AGENCY HAS FAILED TO PROVIDE THE REQUIRED METHOD OF VERIFICATION AND HAS REFUSED TO DISCLOSE THE SPECIFIC SOURCES OR DOCUMENTATION USED TO VERIFY THE DISPUTED INFORMATION, IN DIRECT VIOLATION OF 15 U.S.C. 1681I ( A ) ( 6 ) ( B ) ( III ). THIS FAILURE DENIES ME MY STATUTORY RIGHT TO UNDERSTAND HOW AND FROM WHOM THE DATA WAS VERIFIED. INSTEAD OF PROVIDING ANY SUBSTANTIVE PROOF OR AUTHENTIC RECORDS, THE AGENCY MERELY RE-STATED THE SAME INFORMATION THAT WAS ALREADY IN DISPUTE AN ACTION THAT DOES NOT CONSTITUTE A VALID OR LAWFUL REINVESTIGATION. 
THIS BEHAVIOR SHOWS A CLEAR PATTERN OF PROCEDURAL MISCONDUCT AND NONCOMPLIANCE WITH FEDERAL INVESTIGATION STANDARDS. THE AGENCYS ACTIONS INDICATE EITHER A TOTAL ABSENCE OF PROOF OR AN INTENTIONAL REFUSAL TO DISCLOSE SUCH PROOF, BOTH OF WHICH VIOLATE THE FCRAS REQUIREMENTS FOR TRANSPARENCY, ACCOUNTABILITY, AND DUE PROCESS. 
FURTHERMORE, THE AGENCY IGNORED MY CONSUMER STATEMENT AND FAILED TO INCLUDE IT IN THE FILE OR REPORTS PROVIDED TO THIRD PARTIES, AS REQUIRED BY 15 U.S.C. 1681I ( B ). THIS DENIES ME THE RIGHT TO HAVE MY DISPUTE FAIRLY REPRESENTED AND FURTHER DEMONSTRATES DISREGARD FOR CONSUMER PROTECTION OBLIGATIONS. 
THE FAILURE TO PROVIDE THE METHOD OF VERIFICATION, TO DISCLOSE ORIGINAL SOURCE DATA, AND TO INCLUDE MY CONSUMER STATEMENT IS A SYSTEMIC BREACH OF DUTY THAT UNDERMINES THE CREDIBILITY AND INTEGRITY OF THE ENTIRE REPORTING PROCESS.

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 2025-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XXXX XXXX has still not provided proper validation of the alleged American Express account. 

I sent my first and only written debt-validation request on XX/XX/XXXX via certified mail. Before that date, I had never received any notice that XXXX XXXX was attempting to collect this alleged debt. 

In their XX/XX/XXXX response to the Consumer Financial Protection Bureau, XXXX XXXX stated that they had sent me a validation notice on or around XX/XX/XXXX. 

I never received any such notice. XXXX has provided no proof of mailing, no XXXX tracking, and no copy of whatever they claim was sent. 

On XX/XX/XXXX, XXXX also stated they would re-mail the validation as a courtesy. It has now been approximately 45 days since that statement, and I have not received any mailing from them. 

The only items XXXX has sent twice are generic American Express billing statements. These statements do not satisfy the requirements of 15 U.S.C. 1692g ( b ) because they do not include : a signed application, contract, or personal guarantee ; any proof that I agreed to be personally liable for this alleged business account ; a bill of sale, assignment, or any proof that XXXX XXXX is authorized to collect or litigate on behalf of American Express ; a complete, itemized accounting from the opening of the account to present ; a copy of any alleged XX/XX/XXXX notice ; or proof that any validation notice was ever mailed to me. 

Additionally, XXXX XXXX continued contacting my girlfriend about this alleged debt after my XX/XX/XXXX dispute, even though no validation had been provided. 
This violates : 15 U.S.C. 1692g ( b ) ( must cease collection during a dispute ), and 15 U.S.C. 1692c ( b ) ( prohibits third-party communication ). 

Because proper validation has not been provided, the debt remains disputed, and all collection activity must cease immediately until legally sufficient validation is produced.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the above-referenced account that ProCollect is reporting and attempting to collect. This account is fraudulent and legally invalid. I am demanding immediate deletion of this account from your records and from all credit reporting agencies.

I fulfilled my lease agreement with the apartment community. My lease term ended, and all contractual obligations were satisfied. There was no outstanding balance owed when I moved out.

I verbally informed the leasing office that I was ending my tenancy, and I returned the keys to the apartment. At that time, I was not informed of any balance owed nor any charges pending.

Therefore, any claim that I owe money after turning in the keys and completing the lease is incorrect and unauthorized.

This alleged debt is not valid and appears to have been created in error or through improper/illegal reporting. The apartment had no legal basis to place the account in collections, and ProCollect has no legal right to attempt recovery of a debt that does not exist. 

During XXXX, in the midst of the pandemic, I faced serious financial and emotional hardship. Despite this, I remained responsible and paid my rent on time. 

The apartments actions including calling, harassing me, and sending a false balance to collections caused me significant stress, anxiety, and hardship. Their actions were unjust and may violate FDCPA and FCRA regulations.

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting : Immediate deletion of this account from my credit reports.

Cease all collection activity, as the debt is disputed and invalid.

A complete investigation into the origin of this fraudulent account.

Written confirmation from ProCollect that the account has been deleted and closed. 

If this account is not removed, or if you continue collection efforts on a debt that is unverified, inaccurate, or false, I am prepared to file complaints with : -CFPB ( Consumer Financial Protection Bureau XXXX XXXX XXXX Attorney General XXXX XXXX ( XXXX XXXX XXXX ) Please communicate only in writing. 
Sincerely, 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 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: AL

Complaint narrative:
On or about XX/XX/2025, my XXXX account was compromised without my knowledge or consent. Because my XXXX account was linked to my XXXX account and my debit card/bank account, the person who hacked my account used XXXX to make approximately {$1800.00} in unauthorized purchases of in-game skins. 

These transactions completely drained my bank account. I did not authorize any of these purchases, I did not share my card or online banking credentials with anyone, and my physical card has remained in my possession the entire time. This was an account-takeover / fraud event initiated through my compromised XXXX login, not by me. 

As soon as I noticed the charges, I contacted my banks fraud department and reported all of these XXXX  transactions as unauthorized. The bank has opened a case, but the transactions are still pending and I have not received provisional credit or a clear timeline for resolution. In the meantime, my account has been effectively emptied, causing significant financial hardship ( day-to-day expenses and bills ). 

I am concerned that my bank may mishandle or deny my fraud claim despite the clear signs of unauthorized, card-not-present activity originating from a compromised gaming/marketplace account. I am filing this complaint so that my bank is held accountable to properly investigate these transactions and comply with applicable consumer protection laws regarding unauthorized electronic transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
The issue concerns the forfeiture of XXXX rewards points, valued at approximately {$350.00} in cash rewards, associated with a closed Citi XXXX XXXX XXXX account. Citi states the account was closed on XX/XX/year>. The company subsequently applied a policy that resulted in the complete forfeiture of the rewards points 90 days later, on or around XX/XX/year>. 

Critically, during the period between the closure and the forfeiture, I received no formal notificationno email, no notification, and no physical mailregarding the account closure or the crucial 90-day deadline to redeem my balance. Furthermore, when I contacted a Citi banker to inquire about my points, the representative incorrectly advised me that the points were still available and usable, directly leading to my confusion and inaction.

I later discovered the full balance of XXXX points had been evaporated/forfeited. This loss was a direct result of the company 's failure to notify me of the policy and the conflicting advice provided by a Citi representative. I request that Citi reconsider the forfeiture and reinstate the full XXXX rewards points, either by restoring them or allowing them to be transferred to a new credit card account that I am willing to open.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am submitting a complaint as the verified owner of my credit file to formally follow up and request the immediate removal of multiple inaccurate, unverified, and improperly reported items that continue to appear across Experian, Equifax, and TransUnion. Despite my previous disputes, these items remain on my reports without proper documentation, validation, or proof of authorization, in violation of FCPA 807 ( 15 U.S.C. 1692e ), FDCPA 809 ( 15 U.S.C. 1692g ), FCRA 605B ( 15 U.S.C. 1681c-2 ), FCRA 619 ( 15 U.S.C. 1681q ), FCRA 604 ( a ) ( 15 U.S.C. 1681b ( a ) ), and FCRA 604 ( f ) ( 15 U.S.C. 1681b ( f ) ).

Experian continues reporting XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX, Balance Owed : {$1000.00} ), while TransUnion lists the same account as XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, Balance Owed : {$1000.00} ). The discrepancy in the original creditor demonstrates that the information is inconsistent, unverifiable, and unreliable. TransUnion also reports XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX, Balance Owed : {$12000.00} ), which has never been validated with a contract, signature, or proof of liability. Repeated requests for validation have gone unanswered, violating both FDCPA and FCRA requirements.

Unauthorized and unverified inquiries remain on all three reports. Experian lists inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and XXXXXXXX XXXX XXXX XX/XX/XXXX, none of which have documentation proving authorization or permissible purpose. Equifax reports XXXX XX/XX/XXXX and XXXX XX/XX/XXXX, and TransUnion lists XXXXXXXX XXXX XX/XX/XXXX and XX/XX/XXXX, all unverified. These inquiries violate FCRA 604 ( a ) and 604 ( f ), which strictly limit access to consumer reports.

The continued reporting of inconsistent accounts, unverifiable collection balances, and unauthorized inquiries constitutes a clear violation of federal reporting standards and confirms that prior reinvestigations were incomplete or improperly conducted. I am formally requesting that all disputed accounts and inquiries referenced in this letter be permanently removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am submitting a complaint as the verified owner of my credit file to formally follow up and request the immediate removal of multiple inaccurate, unverified, and improperly reported items that continue to appear across Experian, Equifax, and TransUnion. Despite my previous disputes, these items remain on my reports without proper documentation, validation, or proof of authorization, in violation of FCPA 807 ( 15 U.S.C. 1692e ), FDCPA 809 ( 15 U.S.C. 1692g ), FCRA 605B ( 15 U.S.C. 1681c-2 ), FCRA 619 ( 15 U.S.C. 1681q ), FCRA 604 ( a ) ( 15 U.S.C. 1681b ( a ) ), and FCRA 604 ( f ) ( 15 U.S.C. 1681b ( f ) ).

Experian continues reporting XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX, Balance Owed : {$1000.00} ), while TransUnion lists the same account as XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, Balance Owed : {$1000.00} ). The discrepancy in the original creditor demonstrates that the information is inconsistent, unverifiable, and unreliable. TransUnion also reports XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX, Balance Owed : {$12000.00} ), which has never been validated with a contract, signature, or proof of liability. Repeated requests for validation have gone unanswered, violating both FDCPA and FCRA requirements.

Unauthorized and unverified inquiries remain on all three reports. Experian lists inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and XXXXXXXX XXXX XXXX XX/XX/XXXX, none of which have documentation proving authorization or permissible purpose. Equifax reports XXXX XX/XX/XXXX and XXXX XX/XX/XXXX, and TransUnion lists XXXXXXXX XXXX XX/XX/XXXX and XX/XX/XXXX, all unverified. These inquiries violate FCRA 604 ( a ) and 604 ( f ), which strictly limit access to consumer reports.

The continued reporting of inconsistent accounts, unverifiable collection balances, and unauthorized inquiries constitutes a clear violation of federal reporting standards and confirms that prior reinvestigations were incomplete or improperly conducted. I am formally requesting that all disputed accounts and inquiries referenced in this letter be permanently removed from my credit reports.

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 2025-11-25 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: NV

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX - Balance : {$3400.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$720.00} - Account # : XXXX XXXX  XXXX - Balance : {$3600.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under 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