vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: AZ

Complaint narrative:
On XX/XX/year>, I received a phone call from XXXX XXXX  ( number : XXXX ). The caller identified themselves as part of the fraud department, informing me that my Zelle account was flagged due to attempted transactions originating from an XXXX XXXX device that is not typically associated with my Zelle transactions. They reported XXXX unauthorized charges : XXXX for {$2000.00} and another for {$3000.00}, both linked to an individual named XXXX XXXX based in XXXXXXXX XXXX. The representative provided a case number, XXXX, and subsequently transferred me to a person claiming to work in the Zelle fraud department, who introduced themselves as XXXX XXXX. 

During the conversation, I was guided through the Zelle application under the pretense of preventing the fraudulent transactions. I was instructed to input specific codes, including the name XXXX XXXX and the phone number XXXX. XXXX. They claimed that the transactions could be reversed only after entering these codes. I was prompted to enter a void code for the larger transaction, XXXX, resulting in a withdrawal of {$770.00} from my account. When I expressed hesitation about inputting the other code without first securing the reversal, the caller claimed that my XXXX XXXX number had been compromised by the XXXX XXXX, allowing the perpetrators to access my banking information instead of me directly. This raised my suspicions, leading me to terminate the call. 

I then contacted XXXX XXXX  fraud hotline to determine if they were aware of any ongoing fraudulent activity related to my Zelle account. They confirmed that I had indeed been targeted in a scam. I provided them with all relevant details, and they informed me that due to the nature of Zelle fraud, reimbursements are often not guaranteed, but a claim would be filed, and I should expect an update within 10 days regarding the investigations outcome. Initially, I had assumed the caller was legitimate, as I had been traveling for my father 's funeral and had used various gas station payment systems, leading me to believe my information might have been compromised through those transactions. 

Note : they had me send them a screenshot of the transaction to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: KS

Complaint narrative:
I went to the car dealership and inquired about purchasing a vehicle. I did not give the dealer permission to shop my info around and he did anyway. Now I have hard inquiries and derogatory marks on my report which are hindering me from utilizing my credit to it's full potential. I would like for these accounts to be removed asap

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 2025-08-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Prior to the end of my billing cycle, I called to cancel all of my services with XXXX XXXX XXXX. I was in good standing, having a credit on my account. The representative instructed me to take my equipment to a XXXX store for returning, which I immediately did the next day. I received a small check for the credit I had on my account and was done. Then almost a year later I get a bill, that looks fake, reflecting an outstanding balance to XXXX XXXX XXXX with no details of where the balance is from. I call XXXX XXXX XXXX telling them all of this information and request an explanation of where the balance is from and no representative can provide me any information. I get a sketchy looking bill sporadically XXXX more times over the next XXXX XXXX  and its not until I see my XXXX XXXX drop and look at the reason why that I see its XXXX XXXX XXXX again attempting to charge me for something they did not ever explain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: MO

Complaint narrative:
I C SYSTEM INC Account number XXXX Account type Collection Responsibility Individual Date opened XXXX/XXXXXXXX THIS ACCOUNT IS NOT MINES, I DID NOT OPEN THIS ACCOUNT, THIS ACCOUNT WAS OPENED fraudulent

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 2025-08-23 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: GA

Complaint narrative:
I am a confirmed victim of the XXXXXXXX XXXX XXXX XXXXXXXX and filed an identity theft report with the FTC ( Report # XXXX ). On XX/XX/XXXX, I sent Experian a written request pursuant to Fair Credit Reporting Act 605B demanding permanent blocking and deletion of fraudulent accounts and inquiries within four ( 4 ) business days. 
Fraudulent accounts I requested to be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} charge-off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$1300.00} collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$2500.00} charge-off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$2100.00} collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  charge-off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$1900.00} collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$670.00} charge-off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$680.00} collection I provided all required documentation including the FTC Identity Theft Report, XXXX XXXX XXXX XXXX notice, government-issued ID , and proof of address. Under FCRA 605B, Experian was required to block these items within four business days of receiving my letter. 
VIOLATION : It has been over four business days since Experian received my letter, and I have received no response whatsoever. This is a clear violation of FCRA 605B, which mandates blocking of information within four business days upon receipt of a proper identity theft 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 2025-08-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
On XX/XX/year>2025, I sent National Credit Adjusters ( NCA ) a written request for debt validation pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). The letter was received and signed for on XX/XX/year>2025 ( XXXX proof of delivery attached ). 

On XX/XX/year>2025, NCA responded, but their letter did not provide sufficient validation of the alleged debt. They did not provide a signed agreement, account-level documentation, or proof of ownership of the debt. Instead, they only provided a generic account summary. 

On XX/XX/year>2025, I sent NCA a letter stating that the allotted time for validation had expired and that they must immediately cease all collection activity and delete all tradelines related to this account. I also stated that any continued collection or reporting without proper validation would constitute a violation of federal law and that I would file complaints with the CFPB and the FTC. The letter was received and signed for on XXXX XXXX, 2025 ( XXXX proof of delivery attached ). 

On XXXX XXXX, 2025, NCA sent a second letter acknowledging my dispute but again failed to validate. Instead, they attempted to shift the burden onto me by demanding that I provide specific information and supporting documentation to prove my own dispute. This is improper under the FDCPA. The law places the burden of validation on the debt collector, not the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: DriveTime
State: TX

Complaint narrative:
I Am writing to formally dispute the repossession of my vehicle /property that occured on XXXXand request a through investigation into this matter The details of my dispute are as follows FCRA states that consumer reporting may not report outdated information The agency must disclose to you in writing all information about you in their file I ask that you review purchase date youl see in accurate data The for I'm requesting that the repossession be deleted and removed from my credit report immediately. 
Account number XXXX XXXX  Date open XX/XX/year> Thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: FL

Complaint narrative:
I just recently looked at my credit report. I saw some hard inquiries that did not have permissible purpose. Can you reinvestigate the inquiries listed below. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These inquiries have no permissible purpose to be on my report in accordance with 15 USC 1681b.

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 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXX Balance : {$290.00}, XXXX XXXX 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 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX Balance : {$96.00}, XXXX XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX Balance : {$96.00}, XXXX XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: IN

Complaint narrative:
Repeated calls and harassment im formally sending a letter for a Cease and Desist using 15 USC 1692 CC

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 2025-08-23 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:
I provided all required documentation including the FTC Identity Theft Report, Equifax Data Breach confirmation notice, government-issued ID, and proof of address. Under FCRA 605B, Equifax was required to block these items within four business days of receiving my letter. 
VIOLATION : It has been over four business days since Equifax received my letter, and I have received no response whatsoever. According to my current credit report dated XX/XX/year>, ALL of the fraudulent accounts I requested to be blocked are still being reported, including additional collection accounts that were opened as a result of the same identity theft. This is a clear violation of FCRA 605B, which mandates blocking of information within XXXX business days upon receipt of a proper identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: FL

Complaint narrative:
I am formally disputing the XXXX XXXX tradeline currently appearing on my credit report under account number XXXXXXXX XXXX XXXX XXXX XXXX  The information being reported is inaccurate, incomplete, and misleading, in violation of the Fair Credit Reporting Act ( FCRA ). 

Basis of Dispute : Balance and status inconsistencies : The reported balance, date of last activity, and status of the account are not consistent across the credit reporting agencies. This demonstrates a failure to maintain accuracy under FCRA 607 ( b ).

Dispute notation errors : At least one bureau is not showing the proper account disputed notation, which is required under FCRA 623 ( a ) ( 3 ) when an account is disputed. 

Misleading charge-off reporting : The account is being reported in a manner that is materially misleading to potential creditors. A charge-off should be reported uniformly and accurately across all consumer 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 2025-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
A FRAUD SCAM TOOK PLACE ON MY ACCOUNT WITH XXXX XXXX  ON ZELLE TRANSACTION FOR {$1000.00}. 

I NOTIFIED MY BANK IMMEDIATELY AND THEY DENIED MY CLAIM. I FILE A POLICE REPORT. I FILED A FTC REPORT AS WELL. 

I WAS A VICTIM OF FRAUD AND SCAM ON MY BANKING ACCOUNT WITH XXXX XXXX. I NOTIFIED THE BANK IMMEDIATELY REGARDING THIS MATTER. I FILED A POLICE REPORT AND PROVIDED DOCUMENTATION TO SUPPORT MY FRAUD. AT THIS TIME THE BANK HAS REFUSED TO RESOLVE THE ISSUE IN MY FAVOR AND I DO NOT AGREE WITH THE DECISION. 

I ALSO PROVIDED XXXX XXXX  WITH 23 PAGE DOCUMENTS ABOUT THE VERY SAD MATTER AND THEY REFUSED TO APPROVE MY CLAIM.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: FL

Complaint narrative:
I did not grant permission to any party to pull or review my credit. This fraud action was unauthorized. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: OH

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS. 
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

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 2025-08-23 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: OH

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: OH

Complaint narrative:
Complaint Category : Debt Collection Subcategory : Attempted Collection of Debt Not Owed On [ XXXX ], I requested validation of an alleged debt from Plaza Services under 15 U.S.C. 1692g. 
As of today ( XXXX ), no validation has been provided, but the account remains reported to XXXX XXXX XXXX XXXX 

Violations include : FDCPA 1692g continuing collection activity without validation FCRA 1681s-2 reporting unverifiable data Requested Action : 1. Investigate these violations.

2. Require Plaza Services to validate or delete.

3. Ensure compliance with federal regulations.

Company response to consumer: Closed with explanation