vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Possible Financial Inc
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> Subject : FCRA Dispute Possible Financial Inc. Account Is Not Mine Creditor : Possible Financial Inc XXXX 
Account Number : XXXX To Whom It May Concern : I am disputing the Possible Financial Inc. account appearing on my credit report. I do not recognize this account, did not authorize it, and did not receive funds or services from this company. 

The account is reporting : {$500.00} original balance Paid, closed 30 and 60 day late payments Because I did not open this account and have no relationship with Possible Financial Inc., the reporting is inaccurate and misleading, and must be removed.

These inaccuracies violate : FCRA 623 ( a ) ( 1 ) ( A ) furnishers must report accurate information FCRA 607 ( b ) CRAs must ensure maximum possible accuracy FCRA 611 right to dispute information FCRA 623 ( a ) ( 2 ) duty to correct inaccurate data I am requesting : A full reinvestigation, Verification of identity and ownership, and Deletion of the Possible Financial account if the furnisher can not prove that I personally opened, authorized, or benefited from this account. 

I never agreed to or used this credit line, and the reported delinquencies are wholly inaccurate. 

Please send me the results of your reinvestigation. 

Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, GA 3XXXX XXXX XXXXEquifax Information Services LLCXXXX XXXX XXXX  GA XXXX-XXXXRE: Request to Update Personal Information & Verify IdentityXXXXo Whom It May Concern,\n\n\nI am writing to formally request an update and correction of my personal information within my Equifax credit file. I am also providing documents needed to verify my identity to ensure accuracy and security of my credit report.\n\nPlease update and confirm the following informationXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXPrevious AddressesXXXX XXXX XXXX XXXX XXXX XXXX XXXX  NJ XXXXhis request is being submitted in accordance with my rights under the Fair Credit Reporting Act (FCRA), which requires Equifax to maintain consumer information that is complete, accurate, and up to dateXXXXTo verify my identity, I am including copies of the following documents:XXXXGovernment-issued photo ID\nUtility bill\XXXXSocial Security cardXXXXPlease update my credit file accordingly and provide written confirmation once the corrections have been completed. If additional information is required, please notify me at the contact information listed above.XXXXThank you for your prompt attention to this matter.\n\n\nSincerelyXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: AZ

Complaint narrative:
I am disputing multiple late payments that the credit bureaus are reporting inaccurately on my credit file. I have never been late on these accounts, and I have always been enrolled in automatic payments. The creditors have not provided any documentation proving the late payments occurred. Instead, the bureaus simply marked the accounts as verified through automated systems without conducting a real investigation as required by the FCRA.

These late payments are false, not supported by any billing or payment evidence, and do not reflect my payment history. The reporting of these inaccurate late payments has damaged my credit standing and violates FCRA 602 ( A ), 607 ( b ), and 611 ( a ), which require maximum possible accuracy and a meaningful reinvestigation. Also, dates last active and total balance is inaccurate.

I requested verification from the bureaus, but they relied on automated e-OSCAR code responses rather than obtaining actual records from the furnishers. No documentation proving a legitimate late payment was ever produced. Because autopay was active at all times, a late payment was not possible. These entries are factually incorrect and must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.

Complaint narrative:
In XX/XX/year> requested validation letter regarding collection on myXX/XX/XXXX credit report. Representative on phone initially refused and preferred to send an invoice. Alter a long conversation he agreed to send validation letter in 30 days. There has since been no contact. All my contact information was collected and verified by the debt collector.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE XXXX XXXX COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-16 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: Chime Financial Inc
State: LA

Complaint narrative:
Date Error Reported : XXXX Claim Amount : {$3100.00} Unauthorized transaction, Fraudulent I filed an police report and waiting on the report to be ready. I informed them my identity has been lost along with my device and the first time they declined my claim within XXXX day there's was no way for them to investigate that fast in XXXX day. I fill like my rights as a customer has been violated. They did not do a proper investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
chase bank closed my checking account without notice, when i call chase why they closed my account, they told me they don't have to give me a reason

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency , block and remove FALSE information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of INQUIRIES from : XXXXXXXX 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 XXXXXXXX XXXX XX/XX/XXXX I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my identification and IDENTITY THEFT REPORT for verification purposes.

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 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXXXXXX XXXX XXXX XXXX - Balance : {$370.00} - Date Opened : XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
Tried to make deposit using ATM machine stop working didn't return the card or a receipt. Machine stop working. Address the issue with acting XXXX XXXX she refused to issue the card or money or a receipt. Advised my name is on the account. She never check but call the police because she stereotype me a XXXX man the was trying to do something illegal. She discriminated me.

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 2025-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
On XX/XX/XXXX I received 2 alerts that my Venmo Debit Card had been used at a XXXX in XXXX. There were 2 charges, one at XX/XX/XXXX at XXXXXXXX XXXX for {$97.00} and another at XX/XX/XXXX at XXXXXXXX XXXX  for {$98.00}. I live in South Carolina and have not been in any XXXX in New York. I immediately called Venmo to inform them of the unauthorized charges. They said they would investigate and get back to me. The Venmo Dispute Case IDs are XXXX and XXXX. On XX/XX/XXXX I received emails that both disputes had been denied. Here is their explanation : After careful investigation, weve determined that an error has not occurred and the dispute claim has not been resolved in your favor. Based on our review, we found this transaction is consistent with your payment history.. 
It was geographically impossible for me to use the card at a New York XXXX when I was South Carolina at their stated time of purchase. There is no transaction consistency as I have never used the card to purchase anything at a New York XXXX or any XXXX. They will not tell me what was purchased with my card and they will not provide me with a copy of the receipt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date : XX/XX/XXXX SYNCB/CARE CREDIT XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX : FCRA 623 ( a ) ( 8 ) Direct Dispute Inaccurate Reporting of Settled Account Account : XXXX To Whom It May Concern : This is a formal dispute under FCRA 623 ( a ) ( 8 ) regarding your inaccurate reporting of my SYNCB/CARE CREDIT account. 

This account was settled and closed in XX/XX/XXXX, yet you continue to furnish : Monthly CO ( charge-off ) codes well beyond the settlement date Ongoing delinquency notations that did not occur Duplicate derogatory reporting Conflicting payment history entries New negative reporting long after the account reached a {$0.00} balance These errors violate : FCRA 623 ( a ) ( 1 ) ( A ) ( accuracy ) FCRA 623 ( a ) ( 2 ) ( duty to update and correct ) FCRA 623 ( a ) ( 5 ) ( correctly report DOFD ) Once an account is settled and closed, new derogatory notations are not permissible. 

I am demanding : A full investigation Deletion of all inaccurate and duplicate derogatory codes Correction to : Paid in settlement {$0.00} balance Closed OR full deletion if you can not support each reported data point Please respond within the required FCRA timeframe. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is reporting incorrect payments from my previous paid accounts. This is affecting my fico score.Other companies have reported my payments on time

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 2025-11-16 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: AZ

Complaint narrative:
Experian is reporting a collection account from XXXX XXXX XXXX XXXX ( Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) that is inaccurate, unverifiable, and has never been validated with actual documentation. I disputed this account directly with Experian, but they did not provide any proof or original documents. Instead, they relied on automated e-OSCAR code responses rather than conducting a real investigation as required under the Fair Credit Reporting Act ( FCRA ). XXXX XXXX XXXX XXXX XXXX XXXX has never provided me with : A signed agreement or contract Any proof that I owe the alleged amount A complete and itemized account history Proof of legal authority to collect or furnish this account Notices required under the FDCPA Any documentation verifying the legitimacy or accuracy of the debt Without these documents, there is no way for Experian to legally verify this information. The FCRA requires accurate, complete, and verifiable information, and this collection meets none of those standards. Experian continues to report the account anyway, which violates FCRA 602 ( A ), 607 ( b ), 611 ( a ), and 623.

Because the account is not supported by any actual evidence, is missing required validation, and was verified only through automated means, Experian is reporting information that it knowsor should knowis inaccurate or unverified. This has caused harm to my credit standing and access to affordable credit.

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 2025-11-16 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:
This notice is to inform you that the company TransUnion has unlawfully reporting several unauthorized inquiries on my consumer report. I have not given them or these companies permission to access my credit profile and they have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. TransUnion have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer report on the following dates without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX ) The following false unauthorized inquiries are as follows : These lenders have accessed my consumer credit file : 2inquiries These lenders have accessed your credit file :XX/XX/XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX This is my third notice and FINAL notice that has been sent requesting information pertaining to these materials on these unverified inquiries no contracts or proof have been given to me even after numerous requests. I have not initiated any transaction with these companies. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with these companies for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.

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 explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> Midland Credit Management XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Request for Debt Validation Account Number : XXXX To Whom It May Concern, I am writing in response to your communication regarding the account referenced above. This letter is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, requesting full validation of the alleged debt. 
Please provide the following : The amount of the alleged debt, including an itemized breakdown of principal, interest, fees, and any additional charges. 
The name and address of the original creditor. 
Documentation proving that I am legally obligated to pay the debt, such as a copy of the original signed contract or agreement. 
Proof that your agency is authorized to collect debts in my state. 
Proof of your legal right to collect this specific debt, including all assignments or transfers of ownership. 
The date of last payment and explanation of how the amount was calculated. 
Confirmation that the alleged debt is within the applicable statute of limitations.

Until you provide this validation, and in accordance with 15 U.S.C. 1692g ( b ), you must cease all collection activities, including reporting to any credit reporting agencies. If the debt has already been reported, please inform the credit bureaus that the debt is disputed. 
Please send your response to the address listed above. 
Thank you. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
I have been a victim of identity theft since XX/XX/XXXX all the way up to currently I have several police reports. I have detective contact information. I have a victim advocate to this day. I still cant get anything because of these matters I have filed bankruptcy I have did everything I was supposed to do, and I can not understand for the life of me why these things are still on my credit report its stressful or day-to-day things I can not get

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America closed my checking and savings accounts over XXXX years ago, citing alleged fraud. The bank has withheld approximately XXXX XXXXXXXX belonging to me since that time without providing documentation or releasing funds. Despite repeated attempts, they refuse to communicate or return the money. 
I have documentation of a {$280000.00} account closure and wrongful withholding by Bank of America for over XXXX years. After months and months of speaking with Bank of America, they were able to Find out account and the FULL amount of money owed, YET they refused to release the funds back to me. This XX/XX/XXXX would have been 4 years. 

This incident occurred XXXX of XXXX. Since then, I have visited multiple bank of America branches, and spoken to 5 different managers, spoken with bank of America managers and their superiors over the phone ( more than 20 times ), spoken with the Bank of America Fraud department multiple times, and despite all my efforts, Bank of America refuses to return my money. 

It have been a very challenging 4 years, as the XXXX XXXXXXXX Bank of America is withholding from me is how I provide for my family. We can not afford an attorney, therefore nothing has been done over the past 4 years. I need to get this resolved within the next XXXX weeks.

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