vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am a victim of identity theft. The American Express account ending in XXXX ( Account Identifier XXXX ) does not belong to me. 
Between XX/XX/XXXX and XX/XX/XXXX, I submitted the following to American Express on eight separate occasions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and today ) : Government-issued photo ID Proof of residence FTC Identity Theft Report ( pursuant to FCRA 605B ) Five Data Breach Letters of my personal information Despite these repeated submissions over more than a year, American Express refuses to block this fraudulent tradeline from my credit reports as required by FCRA 605B. Their XX/XX/XXXX letter confirms they continue to report the account as an unpaid charge-off and have merely marked it in dispute. 
This is noncompliance with federal law. FCRA 605B requires blocking of all credit reporting of a fraudulent account within 4 business days after receipt of a properly completed Identity Theft Report. Merely flagging the account as disputed does not satisfy this obligation. 

American Expresss actions have caused continuing harm to my credit reputation, and they have failed to cease collection or provide verification as required by FDCPA 1692g ( b ) and FCBA. 

Requested Resolution : Immediately block and delete this fraudulent tradeline from XXXX XXXX XXXX XXXX 

Provide written confirmation that I have no liability for this account. 

Cease all collection activity regarding this account. 

I am attaching my FTC Identity Theft Report, proof of identity, proof of residence, copies of all prior dispute letters ( XX/XX/XXXX through XX/XX/XXXX ), certified mail receipts, and the XX/XX/XXXX American Express response as evidence of their refusal to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: FL

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 : 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

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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My name is XXXX XXXX, I am submitting this complaint on the behalf of myself. There is no other company disputing on my behalf. Please do not send me an automated response! All the documents will be included for this dispute! I am writing to formally dispute the recent reinsertion of an account on my credit report. This account was previously deleted and has now reappeared without proper notice or verification, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). As of today, I have not received any notice of this reinsertion, nor have I been provided with any form of certification or evidence that the information is accurate and verified. Due to this failure to follow the FCRAs reinsertion procedures, I am formally requesting that this item be permanently removed from my credit report. 

Creditor : XXXX XXXX XXXX Account Number : XXXX This reinsertion is not only a violation of my rights under the FCRA, but it is also damaging to my credit and financial reputation. Please promptly remove this within 7 business days pursuant to 115 U.S.C. 1681i ( a ) ( 5 ) ( B ) to avoid any further legal proceedings. Thank you for your timely compliance!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: NC

Complaint narrative:
Dear XXXX  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 : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: The Receivable Management Services LLC
State: FL

Complaint narrative:
Receivable Management Services LLC XXXX XXXX XXXX XXXX, PA XXXX Reference No. : XXXX Subject : Dispute of Debt Request for Validation To Whom It May Concern, I am writing in response to your letter dated XX/XX/year>, regarding the alleged debt in the amount of {$600.00} that you claim I owe to XXXX XXXX XXXXXXXX XXXX 

I am disputing this debt in its entirety, as I do not recognize it. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of the debt. Specifically, please provide the following : XXXX. The name and address of the original creditor. 
XXXX. A complete itemization of the alleged debt, including dates, charges, and payments. 
XXXX. A copy of any contract, agreement, or document bearing my signature that shows I am legally obligated to pay this debt. 
XXXX. Proof that your company is authorized to collect on this account. 

Until you provide proper validation, you must cease all collection activities regarding this matter, including reporting to any credit bureau. 

Be advised that any attempt to collect without providing the requested validation will be considered a violation of the FDCPA, and I will not hesitate to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Office of the Attorney General. 

Sincerely,

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 2025-09-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX Re : Request for Debt Validation under FDCPA 809 ( b ) Dear Collection Agency, I am writing in response to your claim that I owe a debt. This letter is a formal request for validation of the debt as provided for under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g Sec. 809 ( b ).

Please provide me with the following : 1. The name and address of the original creditor.

2. The amount of the alleged debt, including an itemized accounting of fees, interest, or other charges.

3. A copy of the original signed contract or agreement that makes me legally liable for this debt.

4. Documentation proving you are legally authorized to collect on this account in the State of Louisiana.

5. Verification that this debt has not been paid, discharged, or otherwise invalid.

Until you provide the above information, you must cease all collection activities, including reporting this debt to any credit bureau. Reporting unverifiable information violates the FDCPA and the Fair Credit Reporting Act ( FCRA ).

If you can not validate this debt, you are required by law to remove it from your records and cease collection efforts immediately. 
This letter is not a refusal to pay but a notice that your claim is disputed. Please be advised that any further communication without providing validation will be documented as harassment and reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Louisiana Attorney Generals Office. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Concern, I am writing to formally dispute an inaccurate entry on my credit report related to a Wells Fargo credit card account. The account was previously paid in full and maintained at a {$0.00} balance. After I closed my Wells Fargo checking and savings accounts, the bank issued a cashiers check for approximately {$460.00}, which they stated was a valid credit to my card. 

I cashed the check in good faith. 
Two months later, Wells Fargo contacted me, claiming that the refund had been issued in error and requesting repayment. I declined, as the bank provided the funds without any indication of a mistake at the time. Subsequently, Wells Fargo closed the credit card account and began charging interest on the refunded amount, which has now grown to over {$800.00}. This action has severely impacted my credit score, dropping it from approximately XXXX to the XXXX. 

I am requesting that this entry be investigated and removed from my credit report. The charges are the result of a bank error, not a delinquent or unauthorized transaction on my part. 

Attached are the following supporting documents : - Copy of the cashiers check issued by Wells Fargo - Any correspondence from Wells Fargo regarding the refund - Confirmation of account closure and {$0.00} balance before refund Please investigate this matter and correct the inaccurate information. I request written confirmation of the outcome. 

Sincerely, XXXX 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 2025-09-18 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: TX

Complaint narrative:
I am disputing the late payment reflected on my credit report, as it does not accurately represent my true payment history. I have consistently made payments on time, and this incorrect entry unfairly damages my credit standing.

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 2025-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Chime Financial Inc
State: SC

Complaint narrative:
Check from XXXX XXXX XXXX was submitted to chime account on XXXX. I reached out immediately and requested they cancel this deposit so that I could deposit elsewhere due to their extended hold period. This was confirmed by the agent ( and I have screenshots ). 
Chime then did NOT cancel this check and it was flagged as a duplicate/fraud which caused the sending bank to request chime to return those funds. 
Chime has since confirmed that that transfer was made on XX/XX/year> and that it takes up to 3 business days. Its been well over 3 days and These funds have still not been returned. the school will not issue a new check until they have received the funds. I have been given the run around by chime for days on end with no solid answers from any agent or supervisors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: SC

Complaint narrative:
Cfpb statement : It has come to my attention that my personal information has been exposed in a National Data breach. After reviewing my credit reports, I noticed some accounts that I am not familiar with. I have asked the CRA 's for validation of debt, however that information has not been provided. Due to my information being exposed I have also submitted a FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, a copy of the NPD report showing my information being exposed in a national data breach and a validation of debt letter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Collection accounts are listed on my credit report that I believe contain inaccurate information. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to an accurate and verifiable credit report. I am requesting a review of these accounts, and if they can not be verified as accurate, they should be removed.

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 2025-09-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: DC

Complaint narrative:
Upon seeing a sharp drop in my credit score, I requested a copy of my credit report from XXXX  and saw an account listed from a debt collector called Sunrise Credit Services XXXX. The account was listed as in collection as of XX/XX/2024 and noted that the original creditor was XXXX. I have never had an account with XXXX and this was the first I had heard about any attempt to collect a debt related to such an account. I have never once received a bill or other communication indicating that I owed any amount to this company. I disputed this item with XXXX  multiple times, and each time they informed me that the collector had verified the debt as accurate. I then contacted Sunrise directly and they confirmed my suspicion that the account in question belonged to my father, who shares the same first and last name. The address, phone number, and email address associated with the account are all his and not mine. However, instead of correcting this in their records, Sunrise advised that my only recourse would be to pay off the debt and ask for reimbursement from my father. This is despite the fact that paying off the debt would do nothing to remove the erroneous account from my credit report. This error has seriously and negatively affected my credit score. When I mentioned that I would be filing a complaint with the CFPB, the representative informed me I was free to do so but that there would likely be no change in the outcome. This is not how the debt collection and credit reporting system are intended to operate. If I can provide any additional information, please let me know.

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 2025-09-18 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: PA

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2600.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX XXXX- Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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:
Equifax Dispute Department Fraud Department XXXX. XXXX XXXX XXXX, GA XXXX RE : XXXX to dispute XXXX XXXX  fraudulent charge ( s ) on my account in the amount ( s ) of {$2100.00} and posted on XX/XX/year> ; Experian Fraud Department XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX RE : XXXX to dispute XXXX XXXX XXXX fraudulent charge ( s ) on my account in the amount ( s ) of {$2100.00} and posted on XX/XX/year> ; I request that you remove the fraudulent charge ( s ) and any related finance charge and other charges from my account ( s ), send me an updated and accurate statement, and close the account ( if applicable ). I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I ordered a product from XXXX on XX/XX/year> XXXX XXXX  for the amount of {$140.00}. on XX/XX/year>, XXXX my order was cancelled and a refund was supposed to be given but it never was they indicated I should contact my bank after five business days I contacted CHIME my bank to dispute the charge and CHIME denied my dispute TWICE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am disputing fraudulent accounts that have been wrongfully reported under my credit history. These accounts were never authorized by me, have no connection to me, and are entirely inaccurate. Their presence is misleading and has caused significant harm to the integrity of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: PA

Complaint narrative:
Recently, I submitted my previous letter to your company addressing the errors and mistakes I discovered on my credit report. It has been a few months already since I initially identified and disputed these inaccuracies, yet you have failed to fulfill your important obligation of adhering to the guidelines set forth by the Fair Credit Reporting Act.

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 2025-09-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practice related to the 360 high year interest savings account. Capital One misrepresented the 360 savings account as having one of the the nation 's highest interest rate yet failed to notify account holders about to XXXX rates offered by the 360 performance savings account. This deliberate scrutiny and lack of transparency dilated consumers trust and resulted in significant financial loss for many reaching the consumer financial and the protection act and the truth in saving act I seek readiness for the misleading practice and the failure to fulfill their obligations and advertise promises.

Company response to consumer: Closed with explanation