vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Greetings. I have been auto insuring my car with progressive insurance for the past five years, every six Months cycle, making the full payment instead of installments. This previous cycle in question, XXXX decided to demand that I renew my next policy about three Months before the expiration of the policy in question. I thought it was ridiculous so I ignored the demand. About two months later they sent me an email that I owed {$50.00}. I called them to ask why. They told me I owed them interest for not renewing when the told me. I argued they were wrong. I refused to pay them, so they added the amount to my next renewal. I contacted XXXX and filed for a new policy. They gave it to me with the right amount, {$380.00}, and I paid it in full. Although I still renewed with XXXX about two weeks before the expiration date of the policy in question, they sent a collection agency after me to collect {$51.00}. XXXX is wrong I don't owed them anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
Ive sent several letters to each bureau asking for these medical bills to be removed from my credit report as per federal law since each of them related to the consumer financial protection bureau, Regulation V, XXXX XXXX XXXX Each credit card was used for medical purposes. Please help remove the following : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: PA

Complaint narrative:
I am writing to formally dispute and request the immediate deletion and permanent blocking of fraudulent, inaccurate, and unverifiable data currently being reported on my Transunion credit file. 
These entries are the result of identity theft and were not authorized by me. My dispute falls under the guidelines of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX XXXX XXXX ), and the XXXX XXXX credit reporting XXXX. 
This dispute should be processed electronically using your automated systems. This includes classification under Dispute Code XXXX Fraudulent, and application of structured fraud suppression logic for entries that were never initiated or authorized by me. As a consumer, I am specifically requesting that your system perform an automated suppression review, and that the data elements I detail below be processed as a factual dispute without escalation to manual review unless statutorily required.

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 2025-10-27 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing regarding my fraud claim arising from a bank impersonation scam that occurred XX/XX/XXXX. 

I reported this incident to Chase on XX/XX/XXXX to JPMorgan Chase Bank , N.A . XXXX XXXX XXXX XXXX, NY XXXX and disputed transactions : On debit card ending in XXXX from printed bank statement showed : XX/XX/XXXX : {$4900.00} XX/XX/XXXX : {$2900.00} XX/XX/XXXX : {$4900.00} XX/XX/XXXX : Discovered the transfers were fraudulent XX/XX/XXXX : Reported the fraud to Chase ; temporary credit was issued during investigation Summary of facts : I received repeated calls from individuals impersonating Chase Bank employees, claiming inside fraud and instructing me not to contact the bank directly. 
The scammers instructed me to download the XXXX XXXX app / XXXX app and enter my debit card information. They mirrored my actions and guided each step, making me believe I was assisting the bank. 
I reported the incident within XXXX business days, satisfying the Regulation XXXX prompt-reporting requirement. 
On XX/XX/XXXX, XXXX transaction of {$4900.00} was reversed ; XXXX remain under investigation. 
Requested actions : XXXX. Provide a written explanation of the findings for all remaining transactions, including the documentation and rationale Chase is using to determine liability under Regulation XXXX. 
XXXX. Re-instate provisional credit for any reversed transactions until the review is complete. 
XXXX. Provide copies of evidence claimed to show authorization and explain how this evidence rebuts the fact that I was deceived by callers impersonating Chase. 
XXXX. Confirm the timeline for completing the investigation and provide a date for the final determination.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
I requested a chain of title, validation of debt and which this company did not provide legal documentation on this issue, and there were also inaccuracies under XXXX metro characters positions : XXXX, XXXX, XXXX, XXXX, and 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 2025-10-27 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-10-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Someone cashed an insurance refund check in my name to their account using Truist mobile check deposit by fraudulently signing the pay to the order of line in my name using their hand and the check was deposited. the check was for {$500.00}

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 2025-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
This complaint is filed by XXXX XXXX XXXX, XXXX, authorized representative of consumer XXXX XXXX, regarding SHELLPOINT MORTGAGEs failure to provide verification of disputed account information. Despite a formal dispute sent on XX/XX/year>, and a follow-up letter, SHELLPOINT MORTGAGE has not produced the required documentation or explained how the reported account was verified as accurate. This lack of response violates the Fair Credit Reporting Act ( FCRA ), which requires furnishers to conduct a reasonable investigation and provide proof of accuracy. The consumer, through his authorized representative XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, requests that SHELLPOINT MORTGAGE either submit proper verification documents or immediately remove the inaccurate account from all three credit bureaus to ensure compliance with federal law. SHELLPOINT MORTGAGE XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
To whom it may concern, I had a XXXX  loan with Wells Fargo back when the improper handling of mortgage modifications occurred and back when the new account scandal had occurred. Wells Fargo The bank, is supposed to provide remediation for instances where borrowers faced wrongful foreclosures. I contacted Wells Fargo on several different occasions trying to work with Wells Fargo on Mortgage modifications to provide relief when I was facing bankruptcy and when I was facing hardships. Wells Fargo was never willing to work with me through my hardship. CFPB has stated that Wells Fargo was fined XXXX Trillion dollars in XXXX XXXX funds. Due to improper loan modifications, and for not working with customers facing Foreclosure or XXXX. Which caused improper undue hardships. I believe that my mortgage could have been modified or could have had proper help and assistance from Wells Fargo which did not occur after numerous calls to Wells Fargo. Wells Fargo was not willing to assist me. Which caused my mortgage to go into unnecessary foreclosure. Which caused me monetary and financial harm. I am requesting that Wells Fargo provide XXXX relief or a mediation session due to the financial harm that I have faced since foreclosure. I was charged unnecessary fees, I was forced to go find a new place to live. Due to the unnecessary financial harm. The property address was XXXX XXXX XXXX XXXX, TX XXXX. Wells Fargo was the last mortgage holder, and in fact they went ahead and foreclosed instead of helping me after numerous calls. Which caused unnecessary fees and and caused me to have to go find a new place to live and have to file unnecessary bankruptcy.

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 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : XXXX XXXX Formal Request for Debt Validation and Removal of Unverified Account from Credit Report Dear CFPB Representative, I am writing to formally request an investigation and enforcement of my rights under the * * Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) * * and the * * Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) * * regarding a collection account that is being inaccurately and unlawfully reported on my credit file. 

I recently obtained a copy of my credit report and noticed an entry from [ XXXX XXXX ], reporting a debt allegedly owed under account number [ XXXX ]. I do not have any record of this debt, nor have I ever received proper validation as required by federal law. 

Under the FDCPA, * * Section 809 ( 15 U.S.C. 1692g ) * *, a debt collector is required to provide written verification of the alleged debt, including : 1. The name of the original creditor ; 2. The amount of the debt ; 3. Documentation showing the debts validity and my legal obligation to pay it ; 4. Proof that the collection agency has the legal right to collect this debt To date, this information has * * not been provided * * by the collector or verified by the credit reporting agencies ( * * TransUnion, Experian, or Equifax * * ). Reporting or continuing to report unverified information violates the * * FCRA Section 611 ( 15 U.S.C. 1681i ) * * and * * Section 623 ( 15 U.S.C. 1681s-2 ) * *. 

I am requesting that the CFPB investigate this matter and ensure that any account which can not be fully verified is * * immediately deleted * * from my credit report with all credit reporting agencies. I have enclosed copies of my identification and credit report highlighting the disputed account for reference. 

Please provide written confirmation of the results of your investigation and any actions taken. I appreciate your time and attention in helping ensure the accuracy of my consumer credit information. 

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 2025-10-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : XXXX XXXX Formal Request for Debt Validation and Removal of Unverified Account from Credit Report Dear CFPB Representative, I am writing to formally request an investigation and enforcement of my rights under the * * Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) * * and the * * Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) * * regarding a collection account that is being inaccurately and unlawfully reported on my credit file. 

I recently obtained a copy of my credit report and noticed an entry from [ XXXX XXXX ], reporting a debt allegedly owed under account number [ XXXX ]. I do not have any record of this debt, nor have I ever received proper validation as required by federal law. 

Under the FDCPA, * * Section 809 ( 15 U.S.C. 1692g ) * *, a debt collector is required to provide written verification of the alleged debt, including : 1. The name of the original creditor ; 2. The amount of the debt ; 3. Documentation showing the debts validity and my legal obligation to pay it ; 4. Proof that the collection agency has the legal right to collect this debt To date, this information has * * not been provided * * by the collector or verified by the credit reporting agencies ( * * TransUnion, Experian, or Equifax * * ). Reporting or continuing to report unverified information violates the * * FCRA Section 611 ( 15 U.S.C. 1681i ) * * and * * Section 623 ( 15 U.S.C. 1681s-2 ) * *. 

I am requesting that the CFPB investigate this matter and ensure that any account which can not be fully verified is * * immediately deleted * * from my credit report with all credit reporting agencies. I have enclosed copies of my identification and credit report highlighting the disputed account for reference. 

Please provide written confirmation of the results of your investigation and any actions taken. I appreciate your time and attention in helping ensure the accuracy of my consumer credit information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
To whom it may concern, my name is XXXX XXXX. I am reaching out regarding my credit line increase which has become a very disturbing and frustrating issue. I have been a loyal, responsible, creditworthiness, positive payment account holder with Captial One, for over ten years. I have never been late nor have I ever missed a payment, not once since I opened my account. I recently requested a credit line increase, for the 1st time back in XX/XX/year> and with a slap in the face I was offered {$200.00}. Which made my creditline a total of {$2100.00} nonsense just ludicrous. I applied again in XX/XX/year> and i didnt received anything huh. Ive always maintained a credit score of XXXX my yearly income is over XXXX nor do i pay rent or a mortgage. I am requesting a credit line increase. I also called into Capital One to speak with a customer service supervisor to explain the situation and also put in a complaint and was told " unfortunately no complaints can be made only feedback could be given nor could the call be escalated. '' Whenever I max the {$2000.00} it dropps my credit score significantly even with me having a {$20000.00} credit card elsewhere, this is outrageous and is becoming a huge issue. Me closing my account isnt an option. 
Please treat me like a value and loyal customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company explaining amount owed
Company: Mid-Atlantic Finance Co., Inc.
State: TX

Complaint narrative:
I came outside my home to get in my car to head to work and I could not find are locate my car at all so when I woke up it was XXXX in the morning and my car was gone come to find out threw the dealership it was an XXXX XXXX XXXX they was not given the money that I was given them when i pay my car note so the bank told me to send proof of my payments I sent it threw email and they said to contact the dealership to contact the bank and when I did that the dealership told me they will speak with the bank they never done it the bank told me so I been out an car for XXXX week having my family paying for me to go back and forward to and from work and I have to struggle with this situation with no transportation are anything and its holidays coming and I have no transportation and I been stressed out and feeling low and emotionally exhausted I feel I did right by paying my car not and my rent then I get missed over like this with my car being taken from me when I paid my note a head of time and the car dealership didnt give the money to the bank I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
On XX/XX/year>, I contacted cashapp because I wanted to cancel an immediate transfer to my checking. They informed me the transaction had to complete first. Once it completed, I contacted them and they tell me theres nothing they can do. How deceptive. I think if you ask for an immediate transfer by accident, there should be another prompt Are you sure or please confirm

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: TX

Complaint narrative:
These accounts are appearing on my credit report under my name without my authorization or knowledge. I have never opened, authorized, or managed these accounts. This is unacceptable and misrepresents my financial history. I take my credit profile very seriously, and the presence of these unauthorized accounts has caused me significant concern.

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 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX. I'm filing this CFPB complaint. I have several fraud accounts on my credit report that I noticed once I checked my credit report none of these accounts were opened by me all these accounts come from fraud. Block and remove these accounts in 4 days in accordance with FCRA 605B ( 15 U.S.C. 1681 c-2 ) XXXX XXXX XXXX XXXX account number XXXX Resurgent LVNV Funding opened XXXXaccount numbeXXXX XXXX XXXX XXXX XXXX opened XXXX account number XXXX XXXXXXXX XXXX  opened XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: OK

Complaint narrative:
This same collection amount has been added to my credit report on XXXX different instances it has been disputed every single time as fraudulent and I do not owe this amount I have contacted the original creditor on numerous occasions there was a security breach within the company with a possible identity theft this is a fraudulent claim it has been made aware to every company that I have spoken to that this is not my debt it continually keeps being sold off to different collection companies and put back on my credit report.

Company response to consumer: Closed with explanation