vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
I XXXX XXXX request a copy of the original purchase agreement or original contract that created this alleged debt. The contact that is sent, it must include signatures for all parties. Any agreement sent must be with the original creditor and must include the original terms and conditions of the agreement that created the alleged debt, including all addendums and riders. 

XXXX. In addition, please send proof of chain of ownership of the alleged debt. And include proof of assignment for each change of ownership. Proof of chain of ownership must be from the original creditor to the current alleged owner without any break in the chain. 

XXXX. Also include a full accounting history from the original creditor including the date and amount of each payment and the Date of First Delinquency leading to the collection status XXXX REPAIR XXXX. If any interest or fees have accrued or been added on XXXX the balance, please send proof that such fees are lawful are son agreed upon in the original purchase agreement. 
XXXX. Proof that you are legally allowed to collect on alleged debts in the state of YOUR STATE, including your Third-Part Debt Collection Bond XXXX XXXX Also send proof that you sent the legally required notices to me before reporting this alleged debt to any consumer reporting agencies, including copies of the original notice and any letter tracking your Firm maintains. FTC XXXX XXXX XXXX XXXX XXXX makes clear that it " debt parking '' without proper notices is a violation of consumers rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: OK

Complaint narrative:
Crown asset management or XXXX XXXX XXXX XXXX, they use both names, are harassing, bullying and making threats for a DEBT they KNOW is not mine. I sent a large amount of documentation that I was a victim of identity theft. I sent previous debt collectors trying to collect on fake debts, including this one. They sent a XXXX paragraph letter, XXXX  documents, saying they reviewed and believe it is my debt. 
It is from XXXX XXXX XXXX  XXXX an online place apparently, originally. it is NOT mine, period. This has turned into bullying a XXXX XXXX XXXX XXXX XXXX into trying to extort money. I refuse to pay on this debt that is NOT mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: AL

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-09-17 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: NV

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MD

Complaint narrative:
On XX/XX/XXXX at XXXX PM, a XXXX User named XXXX contacted me about selling their XXXX XXXX concert tickets. After exchanging messages for an hour and ensuring the authenticity of the tickets, I decided to send the money to the user. 

On XX/XX/XXXX at XXXX PM, I tried sending money with XXXX, but the transaction wouldnt go through. XXXX suggested using Chime, so I created an account to send the money. 

On XX/XX/XXXX at XXXX PM, I sent {$200.00} dollars to a Chime User with the name XXXX XXXX ( account name : $ XXXX ). XXXX confirmed having received the money, and said they would send the tickets in XXXX minutes when they returned home. 

On XX/XX/XXXX at XXXX PM, I sent another message asking if XXXX would be able to send the tickets. Then, they sent an image of their car with a yellow boot and asked for another {$100.00}. I declined, and persisted asking for my tickets, to which they kept saying they would keep me posted or to give them a moment until XXXX PM, when I messaged them saying that I wanted a refund and requested the money back using the Chime App. They stopped responding after XXXX PM, and did not accept the request to refund the payment. 

On XX/XX/XXXX at XXXX AM, I called Chime Customer Service and told them that I had been scammed and asked if I could file a report. They told me that there was nothing I could do because the Pay Anyone feature that I had used to pay the scammer is not eligible for filing a report. They transferred me to another agent to show me how to request money back. However, after researching more about the Pay Anyone feature, it says Pay Anyone transactions will be monitored and may be held, delayed, or blocked if the transfer could result in fraud or another form of financial harm. I asked the agent about this and they responded saying they could send me a bank statement as proof of my transaction to file a police report, and that they hoped the person gives the money back. 

After the call ended, I did some more research into XXXX and Chime. It became clear that XXXX  is a known scammer in other XXXX communities, as multiple users were scammed out of even higher amounts like {$750.00}, {$250.00}, and {$480.00}. They even took the identity of actual artists like cosplaymandy on XXXX to scam people. Chime responded to a different XXXX post that asked if it was possible to get a refund after getting scammed, to which they responded Hi! I'm sorry to hear you were targeted by a scam. Pay Anyone transfers to Chime members are irreversible so they can not be canceled or reversed. This link elaborates further After clicking the link, it did not include Pay Anyone transfers in the list of non-disputable transactions. Another user even commented that it is possible to receive a refund, as they had received one before.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: CA

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal 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 2025-09-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NM

Complaint narrative:
A refund posted to my account on XX/XX/XXXX. MOHELA states Treasury refunds take 90-120 or more to process. I contacted Treasury Fiscal Services on XX/XX/XXXX and was notified no refund request exists under my social security number and payments are issued XXXX business days after a request is received. The time elapsed since the overpayment is 14 months, an excessive amount of time to resolve the issue. The previous complaint with the CFPB was ignored with no resolution. MOHELA responded that more time was needed, but are unable to provide a deadline or operational procedures to ensure resolution. 

According to MOHELA refund requests were sent on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

A certified letter with signature was received by MOHELA on XX/XX/XXXX at XXXX. The request from the letter was resolution, and documentation of the actions take to resolve the refund within 15 days. The delay is excessive and unjustified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX XXXX XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX XXXX XXXXXXXX ] Creditor Name : [ XXXX ] Account Number : [ ]

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 2025-09-17 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: FL

Complaint narrative:
I am filing this complaint because my credit report contains multiple false addresses and inaccurate late payment reporting that are harming me financially and personally. These errors are violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. 
The following wrong addresses are being reported : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX Wrong Address This address does not belong to me, I have never resided there, and I have never used this location for any banking, utility, or credit application. Its presence on my report is a violation of FCRA 607 ( b ). This wrong address creates the false impression that I may have been involved with properties or accounts tied to this location, which is untrue. I have been forced to explain this false information to lenders, which causes embarrassment and loss of credibility. Keeping this address is reckless, inaccurate, and unlawful. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Wrong Address This address is not mine, and I have no connection to it. I never lived here, never received mail here, and never gave it to any creditor. The continued publication of this data is misleading and a potential sign of mixed file or identity theft. Every time a creditor pulls my report, this wrong address makes it look like I have unstable residency history, which directly impacts my ability to secure housing and loans. This is harmful, unfair, and violates FCRA 609 ( a ) ( 1 ). 
Overall Harm : Because of these wrong addresses and inaccurate late payments, I am suffering from financial harm, higher interest rates, and denials of credit. Lenders see me as unreliable because of false addresses and late payment marks that do not belong to me. This is unfair, misleading, and unlawful. 
Relief Requested : I request that CFPB require the furnishers and credit bureaus to : 1. Provide full documentation proving the accuracy of each address and each late payment entry.

2. Permanently delete any unverifiable or inaccurate information.

3. Ensure compliance with FCRA 611 ( a ) ( 5 ), which requires removal of unverifiable data.

I respectfully request urgent action and a full investigation into these issues.

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 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TekCollect Inc.
State: KY

Complaint narrative:
Improper Collection and Credit Reporting XXXX XXXX XXXX / TekCollect I am filing a complaint against TekCollect in connection with a XXXX XXXX XXXX account that was placed into collections and reported to the credit bureaus. 

Details of the issue : I never received any prior notice, validation letter, or communication from TekCollect before this account was reported to the credit bureaus. This is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). 
The underlying debt itself is disputed. XXXX XXXX XXXX failed to provide me with a complete treatment, and several of the aligners I received were broken. The company ceased operations ( went belly up ) without fulfilling their contractual obligations. 
Despite these facts, TekCollect reported the account to my credit without giving me an opportunity to resolve or dispute it beforehand.

When I disputed the debt, TekCollect responded that they had validation, but their communication did not address the lack of prior notice or the fact that the original company did not provide the promised services.

TekCollect has stated they would consider removing the account only if I pay a settlement. This amounts to coercion, as I am being asked to pay for services that were not rendered, and for an account that should not have been reported in the first place. 

Harm caused : This has damaged my credit history and financial standing unfairly, despite my good faith efforts to resolve the matter. 

Requested Resolution : I request that TekCollect and any related parties : 1. Immediately and permanently delete this account from all credit bureau reports ( not simply mark it settled or removed ).

2. Cease any further collection activity on this account.

3. Provide written confirmation of the above actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
My account was closed threw capital one I been with them 2 months and have made 2 on time payments the supervisor was very disrespectful and not of any assistance I was lied to bout recieving a refund back for my security deposit I was told my account was closed due to multiple failed payments as I looked on my transactions a payment was posted threw my bank XXXX XXXX the lady named XXXX XXXX badge number XXXX was to no help and was completely dissatisfied.i feel like my account shouldnt have been closed being I made on time payments and loyal customer

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Permissible Purposes for Furnishing, Using, and Obtaining Consumer Reports The Consumer Financial Protection Bureau ( Bureau ) is issuing this advisory opinion to outline certain obligations of consumer reporting agencies and consumer report users under section 604 of the Fair Credit Reporting Act ( FCRA ). This advisory opinion explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ). This advisory opinion also reminds consumer report users that FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose. 

In conclusion, i have no knowledge of these listed inquiries, I have no established credit/business/contracts with the companies listed in my personal statement of the FTC report and I have not given those individual companies or the Credit Reporting Agencies, the inquiries do not belong to me and as are undeliverable by mail so they shouldn't be listed on my CRA 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 2025-09-17 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: GA

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 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
XX/XX/year> I am not sure about the exact amount {$3.00} {$00.00} dollars. 
Negotiate the debt over the phone and reduce fees.

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$5900.00} XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$4500.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$6500.00XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief