vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was recieving checks from an unknown person and deposited them, not knowing they were fake. Now that the check bounced I am in overdraft and cant pay for it hecause I got scammed. Im not sure what to do. I shouldve been smarter and not used to the checks.

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 2025-09-30 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: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Factor Trust

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 2025-09-30 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 writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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:
I am disputing unauthorized accounts and inquiries that have been reported on my credit profile. I did not apply for, open, or authorize this account and inquiries. Nor did I give anyone permission to use my personal information for this purpose. These accounts and inquiries are the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: TX

Complaint narrative:
I am disputing unauthorized accounts and inquiries that have been reported on my credit profile. I did not apply for, open, or authorize this account and inquiries. Nor did I give anyone permission to use my personal information for this purpose. These accounts and inquiries are the result of identity theft.

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 2025-09-30 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: CA

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccurate, unverifiable, and misleading accounts being reported on my consumer credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 and the Fair Debt Collection Practices Act ( FDCPA ).

Despite prior disputes, these items remain without proper verification or documentation from the furnishers. The continued reporting of these accounts is causing significant harm to my credit profile, financial stability, and access to fair lending. 

The following accounts are being reported inaccurately and require immediate investigation and deletion unless the furnishers can provide proper documentation proving accuracy and ownership : XXXXXXXX XXXX XXXX XXXX High Balance : {$7400.00} Opened XX/XX/XXXX Charge Off XXXX XXXX High Balance : {$1300.00} Opened XX/XX/XXXX Charge Off XXXX XXXX XXXX XXXX  High Balance : {$830.00} Opened XX/XX/XXXX Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX My Concerns : Many of these accounts are outdated, unverifiable, or inaccurately reported. 

Several debt buyers/collection agencies ( e.g., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ) have failed to provide proper validation as required under the FDCPA. 

Continued reporting without verification is a direct violation of FCRA 609 and 611. 

The hard inquiry by XXXX XXXX on XX/XX/XXXXXXXX  was unauthorized and must be removed. 

Requested Action : CFPB must conduct a full investigation into the reporting practices of the above furnishers. 

Require each furnisher/collector to produce complete documentation and original signed agreements proving the accuracy and ownership of each account. 

If such documentation can not be produced, these accounts and inquiries must be immediately deleted from my credit file. 

Enforce compliance with FCRA and FDCPA, and hold the furnishers accountable for continued violations. 

These inaccurate and unverifiable accounts are preventing me from obtaining fair credit and are causing ongoing financial damage. I request CFPBs immediate intervention to ensure these reporting violations are corrected.

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 2025-09-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
EASTERN ACCOUNT SYSTEM XXXX XXXX XXXX XXXX XXXX I AM UNAWARE OF THIS DEBT AND DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS ACCOUNT. IF YOU BELIEVE YOU SENT PROPER NOTIFICATION, PLEASE PROVIDE " CERTIFIED MAIL '' WITH RECEIPT DISPLAYING MY SIGNATURE. IF NOT, PLEASE DELETE THIS ACCOUNT XXXX XXXX XXXX XXXX XXXX AS SOON AS POSSIBLE FROM MY REPORT OR I WILL HAVE TO TAKE LEGAL ACTION

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Account was opened on XX/XX/year> in my maiden name without my consent or knowledge. I had no knowledge of the account and I never recieved any statements or information about the account until I was served today for a debt collection case citation. I am being sued for an amount of {$1600.00}. This account is fraud and should be absolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: CA

Complaint narrative:
I am submitting this formal complaint against multiple creditors and furnishers for reporting inaccurate, incomplete, and misleading information on my credit reports, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. The reporting errors are severely damaging my creditworthiness and financial stability. 

The following accounts are being inaccurately reported : XXXX XXXX  Acct : XXXXXXXX XXXX  High Balance : {$680000.00} Date Opened : XX/XX/XXXXXXXX  Issue : Late Payments are being reported inaccurately. 

XXXX XXXX Acct : XXXXXXXX XXXX  High Balance : {$7400.00} Date Opened : XX/XX/XXXX Issue : Charge-Off status is inaccurate and unverifiable. 

XXXX XXXX Acct : XXXXXXXX XXXX High Balance : {$2000.00} Date Opened : XX/XX/XXXXXXXX  Issue : Late Payments reported inaccurately. 

XXXX XXXX  Acct : XXXXXXXX XXXX High Balance : {$360.00} Date Opened : XX/XX/XXXXXXXX  Issue : Late Payments reported inaccurately. 

These accounts contain serious reporting inaccuracies that can not be verified as required under the FCRA. Furnishers and credit bureaus are legally obligated to ensure maximum possible accuracy of all reported data. Continued reporting of unverifiable or incorrect information constitutes willful non-compliance with the FCRA, and such actions are harmful, misleading, and unlawful. 

I am demanding the following actions : A full investigation into the above-listed accounts. 

Removal or correction of all inaccurate, incomplete, or unverifiable information. 

Written confirmation of the results of your investigation and the actions taken. 

If these violations are not corrected, I am prepared to escalate this matter further, including pursuing legal remedies for damages under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information, as I am a victim of the recent data breach that has affected numerous individuals. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX. XXXX  Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX. XXXX  XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ), I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to my personal information. The breach has compromised my data, and I am concerned about the potential for identity theft and misuse of my information. Please find my details below for your reference : - Full Name : XXXX XXXX XXXX - Social Security Number : SS # : XXXX Date of Birth : XXXX Current Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additionally, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: SC

Complaint narrative:
This account does not belong to me. I am a victim of identity theft, documented in FTC Report # XXXX ( filed XX/XX/year> ) and XXXX XXXX Sheriffs Department Case # XXXX ( filed XX/XX/year> ). The collection account from XXXX XXXX XXXX XXXX XXXX, reported as opened on XX/XX/year>, with a balance of {$1100.00}, is fraudulent. I have never opened or authorized this account. Please investigate and remove this inaccurate collection account from my credit report in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
This debt from XXXX  is not mine my information was sold after applying at XXXX but be XXXX got any service my information was used after that to obtain XXXX and XXXX service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I contacted TransUnion to fix my disputes they did not and when I call someone picks up and then says to file dispute online and I did also I ask them to remove name that wasnt mine and numerous phone numbers and addresses that were not mine and they havent and they send me email stating they did but they didnt when I check they are still there and my rent was late due to not getting my XXXX it was suspended but soon as it was reinstated I paid my rent and Im up to date but they still have it showing negative on my credit report ( XXXX ) my name is XXXX XXXX I live at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: IL

Complaint narrative:
Account was randomly close XX/XX/XXXX, reached out the same day and wasnt told as to what the reason was, vaguely was told that I didnt follow bank policy and that i would be recieivng the remaining balance to my knowledge was around {$1200.00}. about Two weeks go by and i receive via mail the check with my remaining balance but it was only XXXX. Missing {$760.00} dollars. I call chime support to figure out where my funds are and they send me bank statements with two unauthorized transactions after my account had been closed for XXXX. Matching a cash load i had done on the XXXX of XXXX. Chime support told me to reach out the merchant that did the transaction which was XXXX. I go to the exact Store and the manager gives me the reciept of my cash load of {$380.00} and tells me on his side everything looks correct that their is no way to return a cash load the same way they tell me when i do the cash loads. The manager gives me a corporate number to figure out what the issue is, I call and they give me and email to be in contact with and where I can send the information i have about the issue as well as for them to investigate as they look into the matter. XXXX investigates and doesnt see anything wrong on there side and they say the transaction went through on their side. I contact Chime today XX/XX/year> and the first call i am only i am told they see the issue on there side and they're gon na transfer me to help me get my funds that were missing. Upon waiting for them to transfer me to the next agent, The call is dropped which has never happened.I call again and wait for a while and am connected with an agent, i tell them i was just on a call that was dropped and caught them up with the situation. Upon telling him he quickly sees my account and everything I had said. I explain XXXX told me to contact Chime for further assistance and the agent ask me to email over everything i have with contact to XXXX. He says wait while they look into the emails i sent over. Once im off hold, its a different agent, I wasnt told about any type of transfer and the emails i sent werent brought up and they tell me they cant tell me more about the issue for security reasons. No straight answer about where my funds went, no acknowledgement of the emails I sent and no steps or anything for me to figure out what to do next then I was hung up on without saying more.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
I am again disputing the above-referenced collection account, which is being reported on my credit file. 
This debt is not mine. Despite my prior dispute on XX/XX/, the item has been reported back as verified, yet no supporting documentation proving that I am responsible for this debt has been provided to me. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ), the bureau must conduct a reasonable reinvestigation whenever a consumer disputes information and delete any information that can not be verified ( 1681i ( a ) ( 5 ) ( A ) ).

Furthermore, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) requires that, once a debt is disputed in writing, the debt collector must cease collection efforts and provide proper validationincluding a copy of the original signed contract or other documentation that proves I am legally obligated for this debt.

Your verification to date has not included : 1.A copy of the original contract or application bearing my signature ; 2.A full payment history showing how the alleged balance was calculated ; or 3.Proof of assignment or transfer of the debt to the current collection agency.

Absent such evidence, continuing to report this account is a violation of FCRA 1681i ( a ) ( 5 ) ( A ) and FDCPA 1692e ( 8 ), which prohibits communicating or threatening to communicate false credit information.

I hereby demand : A full description of the procedures used to verify this account under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) ; and Immediate deletion of the collection account from my credit file unless full, documented proof of my liability can be provided.

Please respond within 30 days of receiving this letter as required by law. If you continue reporting this unverifiable collection, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), my state attorney generals office, and consider further legal action. 

Thank you for your prompt attention. 

Sincerely, XXXX 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 2025-09-30 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: TX

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: MD

Complaint narrative:
I'm reaching out to demand the immediate deletion of a tradeline currently being reported on my credit file. The information being reported is not accurate, and more importantly, it is not being reported with the maximum possible accuracy, as required by law. Thats not just a technicality thats a clear violation of the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ).

Let me be clear : If you can not report this tradeline with 100 % precision down to every detail, from dates to balances to payment history then you have no legal right to report it at all. Reporting partial, inconsistent, or unverifiable data is not only misleading, it directly damages my creditworthiness and credibility as a consumer. Thats not something I take lightly.

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 2025-09-30 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: OH

Complaint narrative:
I received a call today the collections agency in the morning and they did not answer when I picked up. This was to confirm my phone number was active. They then called later this afternoon, and asked for my name and asked if I still worked at a previous job. I told them the information was incorrect and they said that they would go to XXXX to find the appropriate information on how to contact me. This is fraudulent. 

This clear violation of the FDCPA is harrassment and illegal. I hold the right to sue Columbia Debt Recovery Genesis due to this violation, and Im filing this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have capital one checking and saving Im filling a complain against them for the law sued against them cause Im one of capital one account holder

Company response to consumer: Closed with explanation