vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IN

Complaint narrative:
I C SYSTEM AND CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM AND CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX AND XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Subject : Unjustified Closure of Newly Opened Business Account Case # XXXX Summary of Complaint : I am a woman of XXXX origin and the founder of XXXX XXXX XXXX, a XXXXXXXX XXXX consultancy operating under the XXXX XXXX in Nevada. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
On XX/XX/year>, I opened a business checking account at Wells Fargo ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX ) with an initial deposit of {$25.00}. I was assisted by XXXX XXXX XXXX, XXXX XXXX XXXX. On XX/XX/XXXX, I linked this account to my personal XXXX XXXX XXXX account to initiate a transfer and fulfill the minimum balance requiremenXXXX XXXX  were successfully verified. 
On XX/XX/XXXX, I received a call from Wells Fargos Fraud Department stating that a business decision had been made to close my account effective XX/XX/year>. I was instructed to call their Prevention Contact line ( XXXX ) and reference case # XXXX. I verified the legitimacy of the call with Wells Fargo Customer Service, who confirmed the closure. 
On XX/XX/XXXX, I spoke with a representative named XXXX at the Prevention Contact line. She reiterated that the closure was a business decision and refused to provide a reason. I contacted the branch and spoke with XXXX XXXX, who expressed surprise and escalated the matter to her manager, XXXX XXXX XXXX. I followed up via email, and XXXX XXXX confirmed escalation. 
On XX/XX/XXXX, I received a call from Wells Fargo ECMO indicating that my case would be reviewed. On XX/XX/XXXX, I received a secured email stating that the account closure was a risk-based decision. No further explanation was provided. 
Why This Matters : I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with multiple government and academic awards. The abrupt and unexplained closure of my business account has disrupted operations and undermined my professional credibility. I followed all procedures, verified XXXX, and acted in good faith. The lack of transparency and refusal to provide a rationale is unacceptable and raises concerns of bias or profiling. 


Supporting Documents Available : - Email from Wells Fargo Fraud Department - notification of closure - Screenshot of secured email - from the WellsFargoECMO - Account and balance information - Email correspondence with branch manager

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Village Capital & Investment LLC
State: MO

Complaint narrative:
XXXX we called village Capital as we couldn't make XXXX 's payment. We were told to call back XX/XX/XXXX with an update when we could pay. 

XXXX first we called again to see if they could help - requested forbearance or deferment and was told village Capital does not offer. 

XXXX XXXX  we called back with our realtor and spoke with XXXX in loss mitigation who said we could apply for hardship application for reduced payment but we had to have more details about when our circumstances would improve. 
We also called and spoke to the VA who told us to work with Village Capital for assistance. 

- we fell behind behind because my spouse experienced medical crisis and was on XXXX leave from work after being XXXX three times in a couple weeks- XXXX twelfth we called village Capital back as my wife received a second round of XXXXXXXX XXXX XXXX XXXX XXXX  and a was given a return to work date. We were told no mortgage hardship assistance was available and the person we spoke with was not helpful. Asked to speak to XXXX again and were denied. 
Hung up, called back a little while later the same day. Spoke with another rep XXXX in loss mitigation who submitted a hardship application for us. We were told the process takes 2-4 for review and approval. 

XX/XX/XXXX we missed a certified letter delivery and called Village Capital and we were told our hardship application was under review. 

XX/XX/XXXX we received a letter dated XX/XX/XXXX that we need to pay the past due amount of {$2400.00} within 30 days of receipt to prevent foreclosure proceedings. 

XX/XX/XXXX we called village Capital again and were told that our hardship application was denied on the XXXX and we are not eligible for any assistance. Village Capital told us to contact the Homeowners Assistance Fund for financial assistance ( which the program is closed in Missouri ) or " change our circumstances '' which we can't do. We requested to have our calls reviewed and speak with a supervisor and was told a request for callback could be made. The rep we spoke to this time said the village Capital does offer forbearance but we do not qualify because my wife and I are employed and could not make a lump sum payment. We were also told they do not offer any assistance. 

I asked village Capital if they could help us in any way and was told no.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: FL

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

1681c2 ) that you, the TransUnion 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6700.00} 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, 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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 submitting a complaint regarding inaccurate reporting on my credit file. This reporting may violate the Fair Credit Reporting Act ( FCRA ) and California Civil Code 16810, which allows for civil liability for negligent noncompliance.

The following account ( s ) are inaccurate or unverifiable : XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  -Account # XXXX XXXX XXXX- Account # XXXX I request that the CFPB require the credit bureau to provide full verification , including original signed contracts or agreements. If they can not provide proper verification, I request that these accounts be deleted from my credit report in compliance with federal and state law. 

I have attached copies of my identification and proof of address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX I purchased 2 go wild pass from XXXX XXXX through its promotion. {$590.00} ( {$290.00} each person ) and charged it to my XXXX XXXX  card through Synchrony Bank. On XX/XX/XXXX I decided to cancel the pass via email with XXXX and i have notified Synchrony and ask them to request a refund. On XX/XX/XXXX i received an acknowledgment from XXXX with the instructions that the credit company has to request the refund and will take 60 days. 
For whatever reason the dispute was closed without any resolution. I have disputed it again after talking to several representative at Synchrony who does not seem to know how to handle the dispute. In XXXX XXXX a refund 0f {$290.00} was issued to card ending XXXX, however the refund is only for 1 passenger. I called again and explain the situation. Synchrony only requested for the refund for 1 passenger and not for 2. I have made several attempts to resolve the issue about 5 times, and the dispute is not being resolved correctly. Disputes are being open, but Synchrony is closing the dispute less than 30 days as resolved. This has been going on for 4 months now and the 2nd refund is not being applied. I have forwarded the response of XXXX that a refund will be applied within 7 to days but i got 2 letters from XXXX that all disputes are closed and no further action and the account will be a balance of {$290.00}. 
Here are the dates of the disputes that were open and closed. XX/XX/XXXX, XXXX and XXXX. 

This is a very frustrating 4 months of phone calls, and it seems like Synchrony either does not know what they are doing or not willing to resolve the issue. I need the agency 's help to resolve this issue with Synchrony. THIS IS UNACCETABLE

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
Consumer complaint received 2025-08-21 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 have submitted multiple formal dispute letters to Experian Information Solutions Inc .

regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc .

continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Complaint Against : Credence Resource Management , LLC Issue : Failure to Provide Proper Debt Validation / Improper Credit Reporting I am filing a complaint against Credence Resource Management , LLC for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I sent a written request for debt validation to Credence Resource Management regarding an alleged XXXX account they are attempting to collect. I sent the letter via certified mail, return receipt requested. 

Credence responded only by providing billing statements showing XXXX services. This is not proper debt validation under FDCPA. They failed to provide : A copy of the original signed agreement bearing my signature, Proof that they have the legal right to collect this debt in my state, and Documentation establishing assignment or ownership of the alleged debt.

Despite their failure to validate, this account continues to appear on my XXXX  credit report. When I disputed it with XXXX they simply replied, account previously in dispute investigation complete reported by data furnisher, without addressing the lack of proper validation.

Violations : Credence is continuing collection activity without providing adequate validation as required by the FDCPA. 

XXXX is continuing to report an unverifiable debt, which violates the FCRA requirement that all reported information be accurate and verifiable. 

Relief Requested : I request that Credence Resource Management immediately cease collection activities until proper validation is provided.

I request deletion of this account from all credit bureaus ( XXXX XXXX XXXX XXXX XXXX if proper validation can not be produced. 

I request the CFPB ensure Credence and XXXX comply with all applicable federal laws. 

Attached are : My original debt validation request letter, Proof of delivery, Credences inadequate response ( billing statements ), and XXXX dispute response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: MS

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/year> at around XXXX XXXX in the morning, i got an email that my account was going to be closed. There was no explantion as to why or what I needed to do to stop my account from being closed. 

On the same day i chatted with Chime support in the app about how to stop my account from closing. They were unable to do anything and just gave me a phone number to call. 

So i called the phone number they gave me. I was put on hold for 3 hours until i finally connected with an agent. The agent said that they did not have any way of stopping my account from closing. I asked them why my account was closing and they said that my account had violated their policy. Asked what policy did my account violate. The agent said that they could not see it it just said policy violation.

I am not a billionaire bigshot. Nor am a frivolous spender. I have been financially responsible all my life. If you ask me not to be upset about this then its not going to happen!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: VA

Complaint narrative:
This is a new complaint regarding LexisNexis Risk Solutions ' bad-faith handling of my previous CFPB complaint ( Case XXXX XXXXXXXX ) and their subsequent willful non-compliance with the FCRA. 

In response to my original complaint about furnishing inaccurate data, LexisNexis submitted a response to the CFPB on XX/XX/year>, falsely claiming they were " unable to fully authenticate '' my identity. This was a pretext used to close the complaint without addressing the core violation. 

On that same day, XX/XX/year>, I sent LexisNexis a certified letter providing the exact identity and address verification documents they requested. My certified mail receipt confirms they received this on [ Date of Delivery - e.g., XX/XX/year> ]. In that letter, I demanded a copy of their investigation results, a copy of my report, and a substantive answer to my original complaint. 

It has now been over 30 days since LexisNexis received the very documents they claimed they needed. They have completely ignored me and have failed to provide any of the requested information, violating their obligations under the FCRA. 

LexisNexis used a procedural excuse to close my last CFPB complaint and is now ignoring me after I fulfilled their request. This demonstrates a clear pattern of willful non-compliance with the law. I demand they be compelled to provide a substantive resolution to my original complaint and I seek all remedies available for this new violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Denefits LLC
State: NY

Complaint narrative:
I am filing this complaint regarding an account that is being reported by a company called Denifits, which identifies itself as a credit repair company. I am requesting that this account be investigated and removed from my credit report.

Details of the issue : Denifits is not a creditor, lender, or financial institution with whom I have applied for or received credit.

I never authorized or signed any agreement that would make this a legitimate debt or tradeline on my credit file.

The company appears to be misreporting or improperly placing this information on my credit report, which is negatively impacting my credit standing.

Why this is inaccurate : Denifits does not meet the definition of a creditor under the Fair Credit Reporting Act ( FCRA ).

The account being reported is not a valid reflection of my credit obligations.

This reporting is misleading and potentially harmful, as it suggests I owe a financial obligation to a credit repair company, which I do not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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:
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 XXXX XXXXXXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation