vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am 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 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
JEFFERSON CAPITAL SYSTEM LLC HAS REPORTED A DEBT IN COLLECTION THAT WAS NEVER REPORTED ON MY CREDIT REPORT. 
XXXX. ) ACCOUNT # XXXX REFERENCE # XXXX AMOUNT {$10000.00} XXXX. ) REFERENCE # XXXX AMOUNT {$6500.00} I HAVE CONTACTED THE COMPANY AND THE XXXX CREDIT BUREAS AND REQUESTED THE ORIGINAL CONTRACT WITH SIGNITURE AND I HAVE NOT RECIEVED A RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have had automatic bill pay set up with my Bank of America credit card for over XXXX years. Without any notice or consent, Bank of America canceled my autopay. As a result, XXXX payments were missed, and I was told that bill pay was no longer active. They even denied it had ever been set up rather than admitting their fault. 

This failure caused : - Missed payments through no fault of my own - Late fees and interest charges - Negative credit reporting, which has damaged my credit score I never received proper advance notice that my autopay was being canceled. Bank of America marketed and provided this service, and I relied on it. Removing it without adequate notice is unfair and deceptive. It violates their duty to process authorized payments and, in my view, their obligations under the Truth in Lending Act and Fair Credit Reporting Act. 

This is not just a personal issue. Ive found widespread reports of other Bank of America customers experiencing the same sudden autopay cancellations. This appears to be a systemic problem with their handling of bill pay.

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 2025-09-03 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Hello, I am submitting this complaint regarding a debt collection action taken against me that I believe violates my rights under federal and state law. 

Details : On XX/XX/year> I was served at my place of employment with a notice to garnish my wages for an alleged debt. 

The debt in question is debt : XXXX XXXX file number XXXX XXXX XXXX I believe this debt is past the statute of limitations in California meaning it is time-barred and legally unenforceable through collection or wage garnishment. 

I have requested verification of this debt from the creditor/debt collector but have not received sufficient proof of the debt or confirmation that it is within the legal collection period. I've paid more then the owe value of the debt, Violation Concerns : Attempting to garnish wages for a time-barred debt may constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 

I am concerned that my rights under both state statute of limitations laws and federal debt collection protections are being violated. 

Requested Action : Please investigate this matter and ensure that the collector ceases all collection activity on this time-barred debt. 

Provide guidance on my legal rights and remedies in this situation. 

Attached are copies of : The wage garnishment notice served at my workplace Correspondence with the creditor or debt collector Any supporting documentation regarding the alleged debt and timeline Thank you for your prompt attention to this matter. I look forward to your guidance and resolution of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Nature of Complaint The credit reports contain inaccurate, inconsistent, and unverifiable information across TransUnion, Experian, and Equifax. Despite submitting disputes with full proof of identity and residencyincluding drivers license, Social Security card, and proof of addressthe credit bureaus have responded with stall letters claiming that the disputes were not initiated by him. Problem Accounts ( Examples ) full accounts in attachments. My name should only be XXXX XXXX XXXX XXXX XXXX XXXX XXXX Conflicting balances and statuses between TransUnion and Experian ; Equifax lists differently. 

XXXX XXXX Accounts ( Multiple ) Duplicate charge-offs with varying balances ( {$630.00}, {$160.00} ) reported inconsistently. 

XXXX XXXX XXXX XXXX Charge-off listed with repetitive delinquencies after account closure. 

Other Retail/Finance Accounts Closure reasons differ by bureau ( paid as agreed vs. canceled by credit grantor ), suggesting inconsistent reporting. 

Dispute History The complainant has continuously disputed inaccurate items on the following dates : XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> ( most recent dispute sent to all three bureaus ) For each dispute, supporting documentation was attached, including : Proof of address Copy of drivers license Copy of Social Security card Despite this, the complainant received multiple stall letters from the credit bureaus claiming the dispute was not submitted by him. 

Violations of Law 15 U.S.C. 1681e ( b ) : Failure to maintain maximum possible accuracy.

15 U.S.C. 1681i : Failure to properly reinvestigate disputes within 30 days. 

Failure to honor consumer identity verification : Stall letters issued even with government-issued proof provided.

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 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I am writing to dispute the information being reported by ChexSystems regarding an account with XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX. The report lists this account as unpaid with a date of XX/XX/year>. 

This information is inaccurate and is preventing me from opening a new account. Under the Fair Credit Reporting Act ( FCRA ), I request that ChexSystems conduct an investigation to verify the accuracy of this record. If XXXX XXXX XXXX can not provide proper documentation that this debt is valid, I request that it be removed from my file immediately.

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 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: OK

Complaint narrative:
On XX/XX/year> I discovered a new collection account on my credit report from Credit Collection Services ( CCS ) for {$220.00}. The tradeline shows : Opened : XX/XX/year> Last reported : XX/XX/year> Remarks : Placed for collection Original creditor name : listed as Credit Collection Services, which is a debt collectornot an original creditor. 

I do not recognize this debt and have never received any written validation notice from CCS identifying the original creditor, an account number, an itemization of the {$220.00}, the date of first delinquency, or any documentation that I owe this debt. Because no notice was provided and the tradeline fails to identify the original creditor or provide sufficient details, I believe this reporting is inaccurate and incomplete.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: MD

Complaint narrative:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$870.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
XXXX. XXXX XXXX XXXX ( inquiry ) XXXX. XXXX XXXX XXXX ( inquiry )

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 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
This is a arvest account that has a charged off overdraft that I have no knowledge of the charges is unauthorized due to fraudulent use and identity fraud XXXX I already disputed and spoke with check system already. The count is still on there.

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 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IN

Complaint narrative:
I have been missing money out my account for years & never received it back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus XXXX XXXX. It is coming back as updated and verified without a proper investigation. The company failed to send me any of the information I requested, Even with my prior complaint they havent sent verification of debt, th XXXX XXXX bearing my signature & explanation of the amount and how it was calculated to the amount given on collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I have received letters the last two months from Citi stating my email address was wrong. I logged in to see the email address was changed. I did not make these changes. Someone from Citibank maliciously updated my email address to stop me from getting correspondence. 

This is for my 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 2025-09-03 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: CA

Complaint narrative:
This mark is not consistent with my record of punctual payments. Please investigate and correct it.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ID Analytics, Inc.
State: NC

Complaint narrative:
I recently obtained a copy of my consumer credit report and noticed inaccurate at unverified information involving late payments in regards to : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX The Gramm-Leach-Bliley Act protects the reporting of non public personal information from being disclosed on public platforms. 

In accordance with the FCRA, I XXXX XXXX am granted a right to privacy under 15 U.S.C. 1681 section 602. 15 U.S.C 1681 section 604a-2 states that a consumer reporting agency can not furnish an account without my written instructions. Exclusions Under 15 U.S.C. 1666b ( a ) states that a creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose. Under 15 U.S.C. 1681a ( 2 ) ( I ), consumer credit reporting agencies can not report transactions or experiences in which late payments are considered. Under 15 U.S.C. 6802, the consumer credit reporting agencies did not disclose to me the reporting of any negative or adverse information nor was I provided with the option to opt out. Under 15 U.S.C. 1681 section 611, all consumer credit reporting agencies must state their method of verification of : How it was verified What documents were used to verify Who verified these late payments Reporting unverifiable information is a violation of 15 U.S.C 1681 section 611a-7 I XXXX XXXX did not authorize the reporting of any late payments on any account through any written instructions nor have I been made aware through proper documentation that any of the information was properly verified. 

Please remove all late payments from the account in question immediately and update the status of on time positive payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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:
XXXX XXXX XXXX XXXX XXXX XXXXTransUnion Consumer SolutionsXXXX XXXX XXXX XXXX XXXXSubject: Follow-Up  Request to Block and Delete Fraudulent Accounts  Identity Theft VictimXXXXDear TransUnion Consumer Services,XXXXI am following up again regarding my previous request to block and delete fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the TransUnion data breach, and unauthorized accounts have been fraudulently opened in my name.XXXXThe fraudulent inquiry that I have identified on my credit report are as follows:XXXX XXXX XXXX XXXX XXXX XXXXUnder 15 U.S.C.  1681c-2(a), I request that Transunion promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.XXXXFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.XXXXIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.XXXXThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity.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 non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: NC

Complaint narrative:
on Wednesday at XXXX XXXX chime called my phone. I didn't answer. I called them back at XXXX they called me back at XXXX to confirm my identity like they always do. XXXX XXXX XXXX XXXX XXXX phone call. they told me my account was compromised and I needed to move my money. they walked me through the process.. I had ordered a new debit card which they knew all about and told me it was going to be here tomorrow and when I activated it all my money would be made available to me in the new account during that phone call all my money was transferred somewhere I later called chime because I felt a little weird about this thing and they had no record of the phone call. I filed a dispute. I sent them proof of the calls because they were denying them .. and showed them that during the phone is when this money was taken .. they denied my dispute. I reopened it today.. 
it's my belief this is an inside job I've had XXXX more phone calls from chime since which they deny.. 
XXXX needs to investigate how their number is being spoofed and used to steal customers money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Date : XX/XX/year> Midland Credit Management , Inc . 
XXXX XXXX XXXX XXXX XXXX  CA XXXX Re : Cease and Desist Demand Regarding Alleged Debt / Account No. ( Last XXXX ) [ XXXX ] To Whom It May Concern : I am formally notifying you that, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I demand that Midland Credit Management , Inc. immediately cease and desist from any and all further communication with me regarding the alleged debt referenced above. 

This includes but is not limited to phone calls, letters, emails, or contact through any third party. The only communications you may legally send after receiving this letter are : XXXX. To advise me that further efforts to collect the alleged debt are being terminated ; or XXXX. To notify me that you may invoke specified remedies as permitted by law. 



Additionally, if you are furnishing or have furnished information regarding this alleged debt to any credit reporting agencies, I demand that you verify its accuracy immediately. Any inaccurate, outdated, or unverifiable information must be removed pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Please be advised that I am maintaining a record of all correspondence. Any violation of this cease and desist notice will be documented as evidence of harassment and unlawful collection activity. If violations continue, I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office, as well as pursue legal remedies. 

You are hereby instructed to comply immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief