vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Central Portfolio Control Inc.
State: SC

Complaint narrative:
On XX/XX/year>, XXXX XXXX XXXX first contacted me by text about an alleged debt. They also texted me on XX/XX/year>, XX/XX/year>, and XX/XX/year>. They never sent me a written validation notice within XXXX days as required by the FDCPA. I still have not received any notice as of today. I have no idea what this debt is or how much they are claiming I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Block, Inc.
State: MI

Complaint narrative:
I have sent a letter of residency from the motel manager along with front and back of my id as requested yet my account is still suspended. I have spoken with a supervisor over the phone but they said they are unable to help so I requested contact from a supervisor of the department who can help me yet have not been contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: CA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS XX/XX/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 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: NC

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account. 

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
As of XXXX XXXX, Newrez LLC, XXXX # XXXX has failed to provide a XX/XX/year> statement ( for an XX/XX/year> payment ) for my mortgage. Upon contacting them, they can not provide a timeline on when it will be available.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
remove all inquiries and any accounts opened fraudulently immediately due to data breach Transunion experienced XX/XX/year>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 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

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 2025-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Corp Solutions Inc.
State: MI

Complaint narrative:
I had started receiving calls from a XXXX XXXX XXXX XXXX XX/XX/XXXX from a ( XXXX Number. I have since received phones calls from this company nearly everyday starting from XX/XX/XXXX and continuing as today. Brief times they would stop calling after I told them to stop, then they would continue.Over the last few months I have expressed that I no longer wanted to receive calls from this company and they have continued to call me from different phone numbers such as : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I have declined to answer their questions and demanded I be taken off their calling list. I have never received paperwork for any debt that I owe them since XX/XX/XXXX until now. It was only until today, XX/XX/XXXX, that I was informed of the company calling XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Company charged me an activation fee without notifying me.

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 2025-09-22 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: CA

Complaint narrative:
The federal code 15 U.S. Code 1681g requires deletion of these accounts in 15 days.

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 2025-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Klima, Peters & Daly, P.A.
State: MD

Complaint narrative:
Company : Klima, Peters & Daly P.A. ( acting on behalf of XXXX XXXX, XXXX. ) Product : Credit card or prepaid card ( alleged XX/XX/XXXXXXXX account ) Issue : Debt collection " Attempted to collect debt not owed '' / " Did not provide documentation of debt '' / " Misrepresented role or authority '' Consumer Narrative ( what happened ) : I am filing this complaint regarding Klima, Peters & Daly P.A. ( KPD ), who represented themselves as attorneys for Capital XXXX in a debt collection lawsuit against me in the District Court ofXX/XX/XXXXXXXX ( Case No. XXXX ). 

KPD filed and pursued this case but never produced any documentation showing a chain of assignment or proof of ownership of the alleged XXXX XXXX debt. Despite this, they required me to sign a Notice of Dismissal that obligated me to pay {$5200.00} and consent to a judgment if I failed to comply with payment terms. 

I believe KPDs actions violate the Fair Debt Collection Practices Act ( FDCPA ) because : 1. Misrepresentation of authority : They presented themselves as attorneys for XXXX XXXX without producing proof that they were authorized or that XXXX XXXX retained ownership of the debt. 


2. Failure to provide documentation : No bill of sale, assignment, or chain of custody was ever produced in court to establish standing to sue.

3. Unfair use of judicial process : The agreement pressured me into payment without giving me the chance to verify whether the debt was legitimately owned or collectible. 



I believe this conduct is deceptive, misleading, and unfair under FDCPA 1692e and 1692f.

What I want : For the CFPB to investigate Klima, Peters & Dalys collection practices and whether they misrepresented their authority. 

For XXXXXX/XX/XXXX role to be reviewed, including whether they authorized KPDs actions. 

For enforcement to ensure consumers are not forced into payment agreements without proof of ownership or assignment of the debt. 


Supporting Documents : Attached : Copy of the Notice of Dismissal signed by Klima, Peters & Daly P.A. and myself, which references the alleged XXXX XXXX debt but contains no assignment documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this complaint because the consumer reporting agency has reported unauthorized hard inquiries on my credit report. This is a violation of FCRA 1681b ( c ) ( 1 ) ( A ), as these inquiries were not initiated or authorized by me. The agency has also failed to provide documentation of a permissible purpose for these inquiries, making them unlawful.

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 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I am filing this complaint against ChexSystems regarding their handling of my dispute concerning a XXXX XXXX XXXX account reported as Account Abuse ( Acct ending in XXXX ). 

I disputed this record and ChexSystems issued a reinvestigation letter dated XX/XX/year>, stating that XXXX  XXXX XXXX had verified the information as accurate. However, when I contacted ChexSystems support, I was told that the reinvestigation only consisted of confirming that XXXX  XXXX XXXX still had the record, without reviewing any underlying documentation or confirming the accuracy of the classification as Account Abuse. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, ChexSystems is required to conduct a reasonable reinvestigation to determine whether the disputed information is accurate. A simple record check does not satisfy this standard. By failing to obtain or review documentation that supports the specific classification, ChexSystems has denied me my rights under the law. 

I am requesting that the CFPB compel ChexSystems to : XXXX. Provide documentation of the exact procedure they used to verify this account. 

XXXX. Delete the item from my ChexSystems report if no such evidence exists.

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 2025-09-22 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: LA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

1

5 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of
previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: LA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

1

5 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of
previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PR

Complaint narrative:
I contacted the company to request a payment plan with a lower interest rate, since I had a health problem and was out of work for three months.

They want to force me to join a third-party program to make payments.

They don't want to give me options for a lower-interest payment plan directly with them.

They're not offering me any payment options.

Only one, and it's not directly with them. 


As a responsible person, I want to fulfill my payment obligation under fair terms and resolve my situation. 

But they are being unfair. And they are not offering any real options. 


I spoke with XXXX XXXX XXXX  from Bank of America. 

Monday, XX/XX/year>, at XXXX XXXX. It lasted 47 minutes. 

I need your help, please. 

My name is XXXX XXXX. 

XXXX 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 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: ND

Complaint narrative:
I am formally disputing the inaccurate personal information currently appearing on my credit file. Specifically, I have never legally gone by the listed aliases, nor do I currently or previously reside at the reported addresses. 

The inclusion of these erroneous names and addresses violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure the maximum possible accuracy of the information they report. This misinformation creates a significant risk of identity confusion and negatively impacts my ability to obtain credit under fair and accurate conditions. 

The presence of these inaccurate entries also raises concerns regarding data mishandling, particularly in the wake of recent national data breaches. Despite prior attempts to correct this information, the inaccurate aliases and addresses remain on my file, even though they have no connection to me. 

I am requesting immediate removal of these erroneous aliases and addresses. If the credit reporting agency believes this information is valid, I demand sufficient legal documentation directly linking me to these names and addresses. Otherwise, they must be deleted from my credit report without delay. 

Finally, I request written confirmation once the correction has been made, along with an updated copy of my credit report reflecting the accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I was instructed to make a wire for a new car and as it turns out the car buying services internal email system was hacked and the instructions were re-routed to a fraudulent account that wasn't assosiated to the car dealership. The strange thing was that the beneficiary account name was correct, but the bank had changed from XXXX  XXXX XXXX to Citi Bank.

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