vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name XXXXXXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$5900.00} Account name XXXX XXXX XXXX  Account number XXXX Account type Charge Card Date opened XX/XX/XXXX Balance {$0.00}

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 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Adler Wallach & Associates, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, TX XXXX XX/XX/year> AWA Collections XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX CC : XXXX XXXX XXXX XXXX, CA XXXX RE : FINAL NOTICE - FAILURE TO VALIDATE DEBT | VIOLATIONS OF FDCPA & FCRA ACCOUNT # XXXX To Whom It May Concern, This letter serves as a formal follow-up to my previous Cease and Desist and Debt Validation Demand Letter regarding the above-referenced account. Despite my lawful demand made pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ), your agency has failed to provide adequate legal validation of the alleged debt. 

Instead, you responded with a generic summary of charges or statement balance, which does not satisfy the federal requirements for debt validation. Your failure to provide the following constitutes noncompliance. 

1. A copy of the original signed contract or agreement bearing my signature ; 2. A full chain of title including all assignments and transfers of the alleged debt ; 3. A bill of sale or purchase agreement proving legal ownership of the debt ; 4. Proof of licensing to collect debt in the State of Texas ; 5. Surety bond information. 

A billing summary is not proof a debt ownership or legal authority to collect. Continued reporting of this unverified debt to credit bureaus is a violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and constitutes furnishing of inaccurate and incomplete information. 

Additionally, continued collection efforts without proper validation violate the FDCPA, specifically : - 15 U.S.C. 1692e - 15 U.S.C. 1692f - 15 U.S.C. 1692g If this account is not permanently deleted from all consumer reporting agencies and all collection efforts do not cease within 15 calendar days, I will proceed with legal action against your agency un 15 U.S.C. 1681n and 1692k., including but not limited to statutory damages, punitive damages, legal fees, and costs. 

This is your final opportunity to resolve this matter before I file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, and pursue civil litigation. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Concord Servicing Corporation
State: AL

Complaint narrative:
They lied on my last complaint saying they dont work on my case. Blackwell recovery and concord servicing work for each other in the same building. All they doing is moving my debt back and forth and starting a new case. I ask them to stop calling my phone. They failed to verify my debt correctly. I ask them to show me a contract they couldnt. The letters they sent for validation was a bill and asking for more time to validate debt. I didnt not signed a contract with XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX did not give me a contract to sign agreeing to they rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-12-18 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: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 the38668re 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 2025-12-18 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:
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 the38668re 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 2025-12-18 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am filing this complaint regarding multiple 30-day late payments reported by Chase Auto Finance on my auto loan account.

Under 15 U.S.C. 1681 ( a ) ( 2 ), credit reporting must reflect maximum possible accuracy. Chase is reporting several late payments without substantiating that each alleged delinquency was properly noticed, correctly calculated, or not affected by payment posting delays or servicing errors. The repeated nature of these late payments heightens the need for strict procedural accuracy, which has not been demonstrated.

Further, 15 U.S.C. 1681 ( e ) ( b ) requires Chase to maintain reasonable procedures to ensure accuracy. Chase has not produced evidence of payment histories, billing cycles, or internal audits verifying that each reported late payment is accurate and complete.

These alleged delinquencies also lack adequate validation consistent with 15 U.S.C. 1692g, as the debt-related reporting has not been supported with documentary proof. Reporting unverified late payments through consumer reporting agencies constitutes improper communication under 15 U.S.C. 1692c.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had my identity stolen and an individual took out a student loan in my name for the amount of {$3800.00}. This loan was taken out in XXXX of 2024 and I was not notified until the department of collections in Maryland reached out. The loan was taken out for the XXXX XXXX XXXX  XXXX XXXX, a school I have not attended. I have been battling this case for over a year now and would like to have this removed from 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
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Second Alliance, Inc.
State: FL

Complaint narrative:
SCND ALLNCE is falsely reporting on my credit. I have never had any accounts with them. Per my research SCND ALLNCE is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: GA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following accounts that I believe are inaccurately reported on my credit file. Below, I have outlined the details of each account in dispute, separated by credit bureau. 

Charge Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$440.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XX/XX/year> Source Receivables Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX RE : FINAL NOTICE - FAILURE TO VALIDATE DEBT | VIOLATIONS OF FDCPA & FCRA ACCOUNT # XXXX To Whom It May Concern, This letter serves as a formal follow-up to my previous Cease and Desist and Debt Validation Demand Letter regarding the above-referenced account. Despite my lawful demand made pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ), your agency has failed to provide adequate legal validation of the alleged debt. 

Instead, you responded with a generic summary of charges or statement balance, which does not satisfy the federal requirements for debt validation. Your failure to provide the following constitutes noncompliance. 

1. A copy of the original signed contract or agreement bearing my signature ; 2. A full chain of title including all assignments and transfers of the alleged debt ; 3. A bill of sale or purchase agreement proving legal ownership of the debt ; 4. Proof of licensing to collect debt in the State of Texas ; 5. Surety bond information. 

A billing summary is not proof a debt ownership or legal authority to collect. Continued reporting of this unverified debt to credit bureaus is a violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and constitutes furnishing of inaccurate and incomplete information.

Additionally, continued collection efforts without proper validation violate the FDCPA, specifically : - 15 U.S.C. 1692e - 15 U.S.C. 1692f - 15 U.S.C. 1692g If this account is not permanently deleted from all consumer reporting agencies and all collection efforts do not cease within 15 calendar days, I will proceed with legal action against your agency un 15 U.S.C. 1681n and 1692k., including but not limited to statutory damages, punitive damages, legal fees, and costs. 

This is your final opportunity to resolve this matter before I file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, and pursue civil litigation. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I was doing a XXXX transaction to a specific person, and the bank switched the recipient 's name because it was similar, making me lose {$550.00}. I filed a dispute with all the evidence, but the bank decided to decline it.

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am currently serving on XXXX XXXX in the United States XXXX XXXX and recently discovered multiple inaccurate and adverse items reported on my credit file. These accounts were either opened or became delinquent before or during my active-duty service and were not properly adjusted in accordance with the Servicemembers Civil Relief Act ( SCRA ), specifically 50 U.S.C. 3937. Under this law, pre-service debts must be recalculated to a 6 % interest rate, and creditors are prohibited from reporting negative information or pursuing collections on unadjusted obligations. The continued reporting of these derogatory tradelines and collections is in violation of both the SCRA and the Fair Credit Reporting Act ( FCRA ).

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 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
on XX/XX/XXXX i deposited a check i get from the Indiana laborers pension fund into my Chase bank account. A month later i was going through old mail and i found an unsigned check still in the envelope so i assumed i never opened it nor did i deposit it. Not knowing i did continue to snap deposit the check hoping if it was a duplicate it would notice but the check accepted so therefore i continued to send the money to my father for bills. Today on XX/XX/XXXX i woke up to a notification about my bank account so i opened it hoping it was my unemployment check hitting because as XX/XX/XXXX i have been laid off due to weather related issues resulting in us not being able to work, but it was not the unemployment check i was expecting. Chase took back the {$200.00} because of them finally realizing it was a duplicate! I currently can not pay that back as i am laid off of work and searching for a job but i also believe i should not have to pay that back either way, i feel that is the banks fault and im being punished and paying their mistake. Again i had no idea this was a duplicate check, it was unsigned still in the envelope so i signed it and cashed it and they accepted it. i have talked to XXXX from customer support around XXXX and he was very rude talking over me and my mom and making it blandly clear its my fault and i have to pay it back! I then contact back to speak to XXXX at complaints manager to try and remove this further and put a complaint on XXXX because he was very unprofessional!! I am currently seeking help because this will build up overdraft fees i CAN NOT pay off as i have no income right now and all i am trying to do is get a simple dispute with they can do but they refuse because they keep demanding it is my fault and i should realize when its a duplicate not them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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 am writing to dispute multiple accounts that have been reported inaccurately on my credit report. The details of the disputed accounts are listed below : Charged Off Accounts : XXXXDOFED, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX/DOFED, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX/DOFED, Account Number XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX/DOFED, Account Number : XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX/DOFED, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX/DOFED, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX/DOFED, Account Number : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$0.00} XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4600.00} Inquiries : XXXX CARD, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXXXXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date XXXX XX/XX/XXXX XXXX CARD, Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-12-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I opened an auto loan with strike XXXX XXXX On XX/XX/year>. I made payments on time, but the account was eventually charged off. Despite this, the account is still being reported as past due, which is incorrect. The reported balance and other details may also be inaccurate. I have previously submitted a dispute, but the bureau responded that they need new information. This complaint is to formally request that the account be corrected to accurately reflect its charged-off status and remove any false past due reporting.

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 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
CREDENCE is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief