vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Management Services, LP
State: MD

Complaint narrative:
Capital Management Services , LP is reporting and attempting to collect a XXXX XXXX  account that has also been pursued by XXXX XXXX XXXX. 
Both collectors, as well as XXXX XXXX, are reporting inconsistent data to XXXX XXXX XXXX XXXX including differing Date Opened, Date of Last Payment, Date Last Reported, and Account Comments/ Status entries. 

These inconsistencies have caused significant harm to my creditworthiness and demonstrate failures to ensure data accuracy as required under FCRA 1681e ( b ) and 1681s-2 ( b ). 

I submitted certified disputes to both Capital Management Services, XXXX XXXX XXXX and XXXX XXXX  ( XXXX XXXX XXXX attached ). 
They all XXXX have failed to provide validation, failed to note the account as disputed, and continued to furnish data violating FDCPA 1692g ( b ) and 1692e ( 8 ). 

This is a continuation of a broader pattern of XXXX XXXX  and its agents noncompliance, already documented in CFPB Complaint # 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 2025-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
My son XXXX XXXX has a cashapp he is unable to access funds in over a year In the amount of {$35.00} .. $ XXXX  is the account that he is unable to access. We have tried over XXXX  times through cashapp support to access his old account. Multiple supervisors have tried transferring his new number ( XXXX ) and email ( XXXX ) from his new cashapp ( $ XXXX ) to his old account, to transferring the money to my account ( XXXX XXXX ) ( sponser ) $ XXXX. Each time they say its unsuccessful and to call back. Ive tried to ask them to send a new card from the old account with the address thats on file or a check to the address on file XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. They are not useful or making any attempt to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NC

Complaint narrative:
Dear I C SYSTEM : I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt.

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : Original Credit Agreement ( the contract I allegedly signed, if applicable ) Full Itemized Statement ( showing how the balance was calculated ) Forward Flow Agreement ( proving debt transfer from original creditor ) Chain of Title / Assignment Documents ( showing legal transfer of ownership ) Complete Payment History Records ( verifying payments or delinquencies ) Validation Notice ( per FDCPA 1692g ) Notice of Default / Intent to Collect ( as required by law ) Proof of Statute of Limitations ( confirming debt is legally collectible ) Credit Reporting Agreement ( authorizing reporting to bureaus ) Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable.

Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including Cushman v. Trans Union, Dennis v. BEH-1, Clark v. Capital Credit, and Greco v. Traunerconfirm that unverifiable or misleading data can not lawfully remain on a consumers credit file.

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 2025-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: TX

Complaint narrative:
Chime closed my account and changed my email during a major dispute for a large amount of money making it impossible for me to review the damage that was done when my accounts were compromised and hacked, now when I call with concern and pleas they hang up on me. And now I have a merchant trying to refund me but chime refuses to give me an XXXX  XXXX  From a transaction with XXXX XXXX so that I can get some of my money back. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am disputing the failure of my bank 's claims department to resolve a dispute ( Claim # XXXX ). 
XXXX. INCORRECT CLOSURE : On XX/XX/year>, the bank closed the claim, sending a letter with the false conclusion that the disputed transactions were 'not charged to the account. ' XXXX. XXXX XXXX : This incorrect closure allowed the disputed - {$480.00} and- {$36.00} debits to repost, driving my Savings Account negative by over {$500.00} and triggering continuous overdraft fees on the linked Checking Account.

3. DEMAND : I request the immediate reversal of all fees and the disputed amounts, as the negative balance is a direct result of the bank 's failed investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2025-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
I purchased a dresser and didnt recieve the merchandise. When I tried to call they didnt answer and when I went back to the store it was shut down for good. I tried reporting it to my bank and they said no errors occurred in which they did.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: FL

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, I DEMAND that you Immediately DELETE ALL INACURATE PERSONAL INFORMATION that I do not verify, Under 15 USC 1681 ( i ) ( ii ) - Procedure in case of disputed accuracy. Certification of accuracy of information if any information is DELETED from a CONSUMERS file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the CONSUMER reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Notice to CONSUMER if any information that has been DELETED from a CONSUMERS file pursuant to subparagraph ( A ) is reinserted in the file, the CONSUMER reporting agency shall notify the CONSUMER of the reinsertion in writing not later that 5 business days after the reinsertion or, if authorized by the CONSUMER for that purpose, by any other means available to the agency. I DEMAND you DELETE the FOLLOWING LATE PAYMENTS ON THIS ACCOUNT and updated to PAID AS AGREED OR PAID/NEVER LATE IMMEDIATELY under 15 U.S. Code 1681 ( b ) -REASONABLE PROCEDURES. It is the purpose of this subchapter to require that CONSUMER reporting agencies adopt reasonable procedures for meeting the needs of commerce for CONSUMER CREDIT, Personal, Insurance, and other information in a manner which is fair and equitable to the CONSUMER, with regard to the CONFIDENTIALITY, ACCURACY, RELEVANCY, and proper UTILIZATION of such information in accordance with the REQUIREMENTS of this subchapter. 


I DEMAND that you DELETE the following LATE PAYMENTS FROM ACCOUNT listed BELOW OFF my CONSUMER CREDIT REPORT IMMEDIATELY : ACCOUNJT NAME : XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX, BALANCE : {$47000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I sent a letter and disputed online to this Nelnet about removing the reporting affecting my credit report on a duplicate student loan on and inaccurate amounts. I requested for permanent removal of both student loans accounts reflecting on my credit report, I am exercising my rights under the Fair Credit Reporting Act, Section 611, to dispute inaccurate information on my credit report. I request a reinvestigation. If the furnisher of this data can not verify its accuracy with original documents signed by me, it must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: WI

Complaint narrative:
I have no Knowledge of any cable company agreement/contract. I have never owned or purchased anything from IC systemsXXXX XXXX XXXX XXXX being listed as original creditor ). A collection of {$1400.00} being reported on my credit after attempting to dispute numerous times. I have requested verification, proof of ID, and proof of debt ownership- None had been provided and is continuously being listed on my report with XXXX  despite never having existed on other credit bureau platforms. Please verify and remove this listing from all bureau platforms showing an IC Systems collection. IT DOES NOT BELONG TO ME. This is FRAUD. I had my information stolen a month prior to the dates listed in the screenshot attached that year, I made no agreements and signed no contracts with any party related to this issue. I have no ties to this collection claim.

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 2025-11-09 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: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
I am disputing unverified, inaccurate, and harmful reporting of closed accounts.

Under FCRA 609 ( a ) ( 1 ) I requested method of verification from the credit bureaus and furnishers.

No original signed contract, wet-ink signature, or authenticated accounting records were provided to prove the accuracy of the reporting.

Under FCRA 611 ( a ) ( 1 ) ( A ), when information can not be verified, the CRA must delete the account.

Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information that can not be verified. 

I am requesting immediate deletion of the following accounts due to failure to verify : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts are closed, not active, and all reporting must be accurate and verifiable. 
Because verification was not provided, the accounts must be deleted under FCRA 611 ( a ) ( 5 ).

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 2025-11-09 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: LA

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and XXXX U.S.C. XXXX. The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft. I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law. The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within XXXX business days under XXXX USC XXXX. I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of disputed accounts/inquiries

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 2025-11-09 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: LA

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and XXXX U.S.C. XXXX. The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft. I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law. The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within XXXX business days under XXXX USC XXXX. I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of disputed accounts/inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I never opened this account, and its presence on my report is inaccurate.

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 2025-11-09 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Date of Birth : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Date : XX/XX/XXXX To : Experian P.O. XXXX XXXX, XXXX, TX XXXX Subject : Formal Dispute and Demand for Permanent Deletion of Unverifiable, Inaccurate, and Outdated Accounts under FCRA 607 ( b ), 609 ( a ), 611 ( a ), and FDCPA 809 ( b ) Dear Credit Bureau Compliance Officer, I am formally disputing the accuracy, completeness, and verifiability of the following accounts currently listed on my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), you are legally required to conduct a full reinvestigation within XXXX  days and delete any account that can not be fully verified with documentation from the original creditor. 


Accounts in Dispute : XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5200.00} XXXX XXXX XXXX XXXX XXXX {$110.00} Pursuant to : - FCRA 607 ( b ) : You must maintain maximum possible accuracy.

- FCRA 611 ( a ) ( 1 ) ( A ) : You must reinvestigate disputed information within XXXX  days.

- FCRA 609 ( a ) ( 1 ) ( A ) : You must disclose the source of the disputed information.

- FDCPA 809 ( b ) : Debt collectors must validate debt before reporting or collecting. 

Failure to provide complete validation ( including original signed agreements and payment records ) within the legally mandated timeframe constitutes willful noncompliance under FCRA 616 and civil liability under 617. If unverifiable, the item must be permanently deleted, not 'updated. ' Please provide a written response within XXXX  days confirming deletion or verified documentation. 

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 non-monetary relief
Consumer complaint received 2025-11-09 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:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Date of Birth : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Date : XX/XX/XXXX To : Experian P.O. XXXX XXXX, XXXX, TX XXXX Subject : Formal Dispute and Demand for Permanent Deletion of Unverifiable, Inaccurate, and Outdated Accounts under FCRA 607 ( b ), 609 ( a ), 611 ( a ), and FDCPA 809 ( b ) Dear Credit Bureau Compliance Officer, I am formally disputing the accuracy, completeness, and verifiability of the following accounts currently listed on my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), you are legally required to conduct a full reinvestigation within XXXX  days and delete any account that can not be fully verified with documentation from the original creditor. 


Accounts in Dispute : XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5200.00} XXXX XXXX XXXX XXXX XXXX {$110.00} Pursuant to : - FCRA 607 ( b ) : You must maintain maximum possible accuracy.

- FCRA 611 ( a ) ( 1 ) ( A ) : You must reinvestigate disputed information within XXXX  days.

- FCRA 609 ( a ) ( 1 ) ( A ) : You must disclose the source of the disputed information.

- FDCPA 809 ( b ) : Debt collectors must validate debt before reporting or collecting. 

Failure to provide complete validation ( including original signed agreements and payment records ) within the legally mandated timeframe constitutes willful noncompliance under FCRA 616 and civil liability under 617. If unverifiable, the item must be permanently deleted, not 'updated. ' Please provide a written response within XXXX  days confirming deletion or verified documentation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
While traveling in XXXX, XXXX, a local cab driver overcharged my credit card {$200.00} for a trip from the airport to my hotel, which at maximum would have been no more than {$40.00}. They attempted to swipe my card multiple times and told me the charge did not go through, when it in fact did. 

I disputed the charge with Citibank and provided all requested documentation that was available. Despite this, and multiple instances of attempting to resoling by phone and via e-mail, Citibank has reversed the conditional credit they issued and sided with the merchant. I have attempted to reopen this matter several times, without successful resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief