vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am filing this CFPB complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) to formally request that Experian remove and block fraudulent information from my consumer credit report within four business days of receiving this notice. The inaccurate and unauthorized information includes the following : XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These fraudulent account have resulted in negative impacts on my credit report. I do not recognize these accounts, nor did I initiate or authorize these transactions. As they are the direct result of identity theft, I demand their immediate removal. Enclosed is a copy of FTC Identity Theft Criminal Complaint # XXXX as further evidence that these fraudulent items must be deleted from my credit file in accordance with my rights under federal law.

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 2026-05-25 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: MI

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I am continuing to dispute this alleged debt by LVNV Funding LLC have reported on my credit file. I submitted a written request ( via certified mail : acknowledged by the attorney 's office on XX/XX/year> ) in accordance with the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692g. As of today, XX/XX/year>, I have yet to receive the necessary documentation ( chain of title : which includes the bill of sale, purchase agreement, and account-level documentation ). On XX/XX/year>, I and attorney representing LVNV Funding LLC from XXXX & XXXX XXXX Firm attended court. When I asked the judge about the " bill of sale '' ( attached ) ; XXXX & XXXX attorney rudely interrupted and let the courts know that it's not important. I have never entered into any contractual agreement with LVNV Funding LLC that would bind me to this debt. The purported creditor participates in securitization practices, indicating that this debt has been aggregated, sold, and transferred to third parties, thereby nullifying any original obligation. Until you submit all the required documentation, I do not acknowledge any responsibility for this purported debt. Until complete validation is presented, you are required to cease all actions immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

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 2026-05-25 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: IL

Complaint narrative:
Despite multiple disputes submitted with supporting documentation, the bureau has continued to report inaccurate and unverifiable information. The bureau has shown a pattern of willful noncompliance with the FCRA, specifically 15 U.S.C. 1681n. Under 1681i, the bureau must conduct a reasonable reinvestigation and delete or correct information that can not be verified. Instead, the disputed accounts and inquiries were re-reported without competent verification. The bureaus persistence in publishing unverifiable data after repeated notice reflects reckless disregard of its statutory duties, resulting in ongoing consumer harm, including adverse credit decisions and increased costs. This pattern meets the willfulness threshold under 1681n and warrants immediate deletion of the unverifiable items, corrective disclosures, and appropriate remedial measures.

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 2026-05-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Bank , N.A . / Consumer Complaints OfficeSubject : Formal complaint for unauthorized card block and disregard of direct instructionsI am filing a formal complaint against Wells Fargo for arbitrarily blocking my debit card. On XX/XX/year>, I contacted customer service to report an erroneous charge on the XXXX platform, which was accidentally made by my minor XXXX while using my cell phone. The merchant refused to cancel the order, so I contacted the bank to open a dispute claim for that transaction.During the call, the agent told me that they had to block my card to process the claim. I was completely explicit and emphatic in refusing that action, explaining that they should not block it under any circumstances because I have automatic payments scheduled very soon for my essential services. After making it clear that they did NOT have my authorization to block the card, we ended the call.Minutes later, I received a notification confirming that the bank ignored my direct instruction and proceeded to block the card, leaving me completely vulnerable to the upcoming expiration of my automatic payments, with no money for my end-of-the-month rent, and unable to buy medicine and food.

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 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Elite Portfolio Management, LLC
State: NC

Complaint narrative:
Getting too many calls from different companies .. its starting to effect my job

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: IL

Complaint narrative:
I am writing to notify you that I have been a victim of identity theft. On XX/XX/year>, Jefferson Capital Systems LLC reported a open balance of {$120.00} on my credit report. I had no knowledge of this account and I was unaware of this debt. I did not authorize this debt to be used by my identifying information. I have filed a police report and an identity theft report. I am taking further action to dispute this debt. I am disputing this debt because I do not owe it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
In XXXX, I discovered fraudulent charges on my Barclays XXXX credit card ending in acct # XXXX totaling approximately {$2300.00}. I contacted Barclays Bank, and it provided me with provisional credit pending its investigation. On XX/XX/XXXX, I received several letters from Barclays Bank rescinding my provisional credit for the fraud stating there was no fraud committed. On XX/XX/XXXX, I called Barclays XXXX Department and spoke to a representative named XXXX. I told him my son is an XXXX, and I recently discovered that he had stolen information from XXXX of my credit cards, and used them fraudulently without my knowledge or consent. XXXX advised me to file a police report and fax it to the XXXX department, which I did the next day. I also faxed a copy of the my Order of Protection against my XXXX, XXXX XXXX with a stay away order preventing him from coming into my residence. On, XX/XX/XXXX, I received a letter from Barclays Bank in which it stated that it " ... wanted to provide an update on your recent reassertion fraud claim. We have completed a detailed review of your claim and, based on the information available, have concluded that the transactions you identified are not fraudulent. '' When, I received this letter, I called Barclays XXXX department. I requested to speak to a XXXX. When I asked the XXXX why my claim was denied she stated : It is Barclays Bank 's policy to deny XXXX claims between family members, and my only recourse to recoup my money was to sue my XXXX for the fraud. I wrote a letter and emailed it to Barclays Bank XXXX Department under its new case number XXXX in which I attached XXXX ( XXXX ) exhibits ; Exhibit XXXXLetters from Barclays reversing provisioal credit for fraud ; Exhibit XXXX Police Report ; Exhibit XXXXOrder of Protection against my XXXX, XXXX XXXX, who committed the fraud without my permission, consent or knowledge ; Exhibit XXXX-Incident Report filed because my XXXX violated the stay away order. I ended this letter stating to Barclays : " I would like to request that you review and investigate my fraud claim once more. It is clear that under the FCBA, if my XXXX used my credit card without my knowledge or permission, it is considered unauthorized use, and my fraud claim should be granted. '' I can't see how Barclays can adopt a policy that brazenly and openly violates the FCBA.

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 2026-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: FL

Complaint narrative:
I got robbed and I lost cash app debit card. Phone number associated and email associated with XXXX XXXX. I have {$390.00} in the account. Cash app told me to open new account to transfer the funds into. They told me to add new phone number and email. They sent a link to manually verify. I am still being told that for security purposes. Even though I'm verified. Cash app must keep my money. Unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I HAVE NEVER HAD ACCOUNTS WITH THE CREDITORS AND MY INFORMATION HAS BEEN ACCESSED ILLEGALLY

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2026-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a complaint against Fifth Third Bank regarding an unauthorized transaction, failing to protect my checking account from fraud, and stealing my regular payroll deposit to settle a fraudulent negative balance. On XX/XX/year>, an unauthorized transaction from XXXX for {$480.00} processed against my checking account. The bank failed to send a single fraud alert, text verification, or push notification to confirm this massive, unusual charge before clearing it. Additionally, my account did not even contain {$480.00} at the time. Prior to the fraud hitting, I had approximately {$66.00} of my own funds in the account. On Friday, XX/XX/XXXX, my regular weekly payroll deposit of {$270.00} posted to my account and fully processed on Monday, XX/XX/XXXX. My actual valid money in the account totaled {$340.00} ( accounting for a valid {$2.00} transaction ). Instead of blocking the unauthorized {$480.00} transaction for insufficient funds, Fifth Third Bank approved it, allowed it to clear, and subsequently utilized my entire {$270.00} paycheck plus the remaining {$64.00} funds to pay off the fraudulent deficitleaving my account severely overdrawn at - {$170.00}. When I contacted the bank on Friday, XX/XX/XXXX, to file a fraud claim, they cancelled my debit card but completely refused to issue an immediate temporary or provisional credit. They informed me that because of the holiday weekend, their dispute teams would not even begin an investigation until Tuesday, XX/XX/XXXX, and that I would have to wait up to 8 business days just for a potential credit. Leaving a victim of financial crime with a negative balance and denying them access to their actual {$340.00} in living income is completely unacceptable and wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
XXXX has held my {$570.00} balance for months. I submitted all requested identification documents months ago, and XXXX confirmed receipt, but they are denying me legal access to my funds without review or resolution. In recent contact and prior contacts, they keep telling me XXXX days, but never resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/XXXX, there was a start of a reoccurring subscription called XXXX up until XX/XX/XXXX. A total of XXXX $ in unauthorized transactions. I RECENTLY CAME HOME FROM XXXX AND JUST NOTICED WHATS GOING ON AND I CONTACTED THE MERCHANT, MADE A POLICE REPORT, AND ALSO REACHED OUT TO THE BANK LIKE THE MERCHANT TOLD ME TO. IM HAVING A PROBLEM GETTING MY MONEY BACK WITH CHIME. THERE SAYING IT WASNT A ERROR BUT ALL THE TRANSACTIONS WERE UNAUTHORIZED SO IM NOT UNDERSTANDING HOW THEY DONT UNDERSTAND.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt collector. They are falsely reporting on my credit!! Account number is 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I own a roofing company, XXXX XXXX, and in XX/XX/year> we purchased another XXXX truck for our Delaware office and sales team. We currently own and maintain XXXX other XXXX trucks, all financed through XXXX XXXX and all maintained in good standing with automatic payments. When purchasing this truck, the dealership arranged financing through Chase Auto. Because all of our previous vehicles were financed through XXXX XXXX, I mistakenly assumed this vehicle was as well and expected the payments to be included with our existing automatic payment setup. At the same time, the registration and mailing address used for the vehicle was tied to a temporary Delaware office location that we lost access to almost immediately after purchasing the truck due to relocating offices. As a result, all physical correspondence and billing notices were being sent to an address we no longer had access to. After missing the initial payments, I eventually received a notification regarding a Chase Auto loan that I did not recognize. I genuinely believed it may have been fraudulent activity or identity theft, so I immediately contacted Chase. During that call, I learned the loan was tied to the truck purchase and was informed the account had become delinquent. As soon as I realized the situation, I immediately brought the account current, paid both missed payments, and also paid over {$1500.00} in accrued interest without dispute. The monthly payments on this vehicle are approximately {$4000.00}, and since that time every payment has been made on time. I contacted customer service immediately after resolving the account and explained the circumstances surrounding the missed payments. This was a genuine oversight and not a result of unwillingness or inability to pay. Prior to this incident, I had not missed a payment on any account in over XXXX years and had worked extremely hard to rebuild and maintain strong personal and business credit. Unfortunately, these XXXX missed payments caused my credit score to drop from approximately XXXX to nearly XXXX. While I have worked hard to recover my score to around XXXX, the delinquency marks continue to report as serious late payments and have already resulted in multiple financing denials. I fully understand the importance of accurate credit reporting and I take responsibility for the mistake. However, given the circumstances, my immediate corrective action, my long-standing positive payment history, and the fact that the account has remained current since, I am respectfully requesting a one-time goodwill adjustment to remove these delinquency marks from my credit report. I sincerely appreciate your time, consideration, and willingness to review my situation.

Company response to consumer: Closed with explanation