vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TN

Complaint narrative:
XX/XX/XXXXXXXX XXXXXXXX I sent letters to the credit agencies ( XXXX XXXX XXXX ) to validate or delete a collection account from I C Systems. The credit agencies failed to validate and/or delete the information from my consumer file. 

XX/XX/year>. This shall serve as notice to the CFPB that I am again sending letters on this day to XXXX XXXX XXXX demanding payment and deletion of this harmful account from my consumer file. I am also sending a separate letter to the collection agency ( I C system ), who allegedly failed to send validation to the credit agencies to have this account 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 2025-05-10 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: CT

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Stellantis Financial Services US Corp.
State: FL

Complaint narrative:
I am filing this complaint due to the complete lack of communication from both First Investors Servicing Corporation and XXXX XXXX after the repossession of my vehicle. 

I have repeatedly attempted to contact both companies to get clear reinstatement or redemption terms. Ive also asked for payment assistance or even a payment extension, but I have received no responses to phone calls, emails, or any outreach attempts. 

First Investors has not provided any information on the amount owed to reinstate or redeem the vehicle. XXXX XXXX has also failed to contact me or make arrangements for me to recover my personal belongings inside the vehicle. 

I am currently going through a legal divorce and trying in good faith to work something out. The lack of communication is creating ongoing financial and emotional stress. I believe this conduct is harmful, unprofessional, and possibly 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 explanation
Consumer complaint received 2025-05-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint against Experian and TransUnion for reporting an unverifiable late payment on an account with XXXX XXXXXXXX XXXX  ( Account ending in XXXX ). This inaccurate information is damaging my credit and affecting my ability to obtain funding. 

Under 15 USC 1681i, credit bureaus must conduct a reasonable investigation when a consumer disputes an account and remove or correct any information that can not be verified. Despite my formal dispute, Experian and TransUnion continue to report a late payment without providing any proof from the original creditor. 

XXXX  has already removed this account from my credit report. That alone shows inconsistencies across the three bureaus, and it highlights a violation of 15 USC 1681e ( b ), which requires credit bureaus to maintain the maximum possible accuracy of the data they report.

I also reference 15 USC 1666b, which protects consumers by requiring that payments received by the stated cutoff time on the due date be treated as on time. I have received no timestamped proof showing this payment was received late, nor any explanation about how it was processed. Without this documentation, the bureaus are reporting inaccurate and potentially unlawful information. 

This appears to be part of a broader issue. XXXX XXXXXXXX XXXX is not widely recognized as a traditional lender, and its reporting practices may be negatively affecting many consumers in similar ways. I request that the Consumer Financial Protection Bureau investigate this account and the credit bureaus failure to meet federal obligations for data accuracy and verification. 

I am demanding the deletion of this unverifiable late payment and full compliance with all applicable federal consumer protection laws.

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 2025-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am filing this complaint regarding an unauthorized balance transfer that occurred from my Bank of America ( BOA ) account to an account at XXXX XXXXXXXX XXXX XXXX XXXX ), a bank I have no prior relationship with. 

On XX/XX/XXXX, a transfer of {$7000.00} was made from my BOA credit card ( ending in XXXX ) to an unknown account at XXXX. I did not authorize this transfer and have no knowledge of the receiving account or bank. Additionally, a transaction fee of {$210.00} was charged in connection with this transfer. 

I immediately contacted BOA to dispute the transaction and requested a reversal, but the issue remains unresolved ( claim # XXXX ). I also contacted XXXX ; however, as I do not hold an account with them, they refused to provide any information or assistance. 

Steps I Have Taken : - Contacted BOA customer service on [ Date ] to dispute the unauthorized transaction. 
- Contacted XXXX but was unable to proceed since I am not their customer. 
- Despite these efforts, the funds have not been recovered, and I have not received any details about the recipient account involved.

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 2025-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX has reported a medical collection to my TransUnion credit report. After my formal dispute, this account was marked as closed but not deleted, despite my request for complete removal under the Fair Debt Collection Practices Act ( FDCPA 1692g ) and Fair Credit Reporting Act ( FCRA 1681i ). 

A closed status does not eliminate the negative impact on my credit report and does not address the lack of proper validation. XXXX XXXX has failed to provide full itemization, XXXX authorization, and original service documentation, as required by 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 2025-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
PayPal permanently limited my account with no clear explanation and gave me no opportunity to resolve any issues. Their customer support refused to escalate or connect me with a live representative. I need clarification and access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: SHABANA MOTORS
State: MS

Complaint narrative:
Shabana Motors have on my credit report with XXXX  and XXXX  a collection for XXXX plus dollars for a voluntary repossession. I have attempted to dispute with credit bureaus and each time it's verified as accurate. However after reaching out to Shabana Motors, XXXX dollars were charged off. I've never received a right to dispute as well as a XXXX to report the charged off amount as income on my tax return. This isn't a valid debt and should not be reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I paid off the full balance owed on my account with the creditor, as confirmed by the attached " Paid in Full '' letter dated XX/XX/year>. Despite resolving the debt in full, the account is still being reported on my credit report as having an outstanding balance and is listed as being in collections. 

This reporting is inaccurate, outdated, and damaging to my credit profile. I contacted the company to have the information corrected and the account removed, but they have not taken any action. I am submitting the attached documentation as proof of full payment and resolution of the account. 

I want this complaint to be published on consumerfinance.gov to help other consumers who may face similar issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: OH

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 2025-05-11 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: NV

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a XXXX of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
In Complaint Against : Wells Fargo Bank, XXXX XXXX XXXX XXXX Parties : Mother : XXXX XXXX XXXX Representative : XXXX XXXX ( POA ) Account ending in : XXXX Branch Location : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Wells Fargo XXXX : XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX : XXXX Police Department In XX/XX/2024, I visited the XXXX XXXX XXXX of Wells Fargo to submit Power of Attorney ( POA ) documentation on behalf of my mother, XXXX XXXX, who was XXXX XXXX XXXX XXXX XXXX XXXX. While at the branch, I asked the staff if they could stop sending distressing notifications to her phone that were causing her severe XXXX  and XXXX. The banker initially said this was okay. However, I was later told that the only way to stop the alerts was for my mother to physically come into the branch, despite my repeated explanations that she was medically unable to do so. They refused to honor my valid POA to make this request on her behalf. 

Shortly after my visit, the police were called to my mothers home, and she was questioned under the suspicion that I had been stealing from her. This caused her extreme emotional distress, as she believed her son was being falsely accused and could go to XXXX. I was not informed by Wells Fargo that they had contacted the police. In fact, they denied doing so multiple times, until I obtained a police report from the XXXX XXXX XXXX confirming that Wells Fargo had initiated the call, based on flagged ( but not processed ) charges for plane tickets. 

Wells Fargo refused to provide details about the flagged charges or the justification for involving law enforcement. They also declined to share their POA, elder abuse, and disability accommodation policies, claiming these were internal, despite the fact that they should be publicly accessible. I have submitted the police report to them multiple times. 

This situation escalated over the course of nearly eight months, during which I was consistently denied access to my mothers financial information, despite acting as her POA and attempting to protect her from potential financial abuse. After her death, Wells Fargo stated that my POA was no longer valid and that they were closing the case essentially using her passing as a way to avoid accountability.

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 2025-05-10 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: I.C. System, Inc.
State: GA

Complaint narrative:
Dear CFPB, I am filing a formal complaint against I.C. System, Inc. for unlawfully re-reporting a previously deleted collection on my credit file. 
This account had been removed after a prior dispute and should not have been reinserted without full compliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( a ) ( 5 ) ( B ). This statute mandates that any reinsertion of deleted information must be certified as accurate and that I must be notified in writing within five business days of reinsertion.

I received no such notice, and no certification was provided. This is a clear violation of federal law and a breach of my rights under the FCRA.

I request the CFPB investigate this matter and direct I.C. System, Inc. to permanently remove the account from my credit report and cease all further reporting activity.

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 2025-05-10 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I have almost a XXXX disputes with XXXX between my XXXX XXXX XXXX  and Best Buy citi cards, but they have yet to do anything except repeatedly close them and ask for more proof that Ive provided at least XXXX times via fax. I need them to stop siding with a scamming merchant that doesnt even have an active phone or email anymore after stealing everyones money.

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 2025-05-10 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: Chime Financial Inc
State: NY

Complaint narrative:
I have an open dispute with Chime from enterprise XXXX for XXXX and something dollars. I have provided Chi with all the necessary details and information they need to give me aI have an open dispute with Chime from enterprise XXXX for XXXX and something dollars. I have provided Chime with all the necessary details and information they need to give me a chargeback charge back. They still refuse to give me back my money until enterprise refund them the money this dispute has been going on since XXXX. They keep telling me that the investigation team is working on it to come to a resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-10 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: PA

Complaint narrative:
I was extremely affected by the Equifax data breach in which I notice unfamiliar inquiries and inaccurate information on my credit report! I would like all negative marks be deleted 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 explanation
Consumer complaint received 2025-05-10 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: PA

Complaint narrative:
I was extremely affected by the Equifax data breach in which I notice unfamiliar inquiries and inaccurate information on my credit report! I would like all negative marks be deleted 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 explanation
Consumer complaint received 2025-05-10 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: Kriya Capital, LLC
State: GA

Complaint narrative:
Credence Resource Management RE : Debt Validation Request for Account # XXXX To Whom It May Concern, I am formally requesting validation and verification of the alleged debt you claim I owe, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g. 



Under the law, you are required to provide the following : A copy of the original signed contract with the original creditor bearing my signature, showing I agreed to this debt. 
A complete accounting breakdown of the amount you claim is owed, including how it was calculated and from where it originated. 
A copy of the letter of assignment or purchase agreement from the original creditor that legally grants you the right to collect this debt on their behalf. 
Proof that I provided consent to the original creditor to share my personal information with you and any third parties in accordance with the Fair Credit Reporting Act ( 15 U.S. Code 1681b ). 
The name and address of the original creditor, if different from your company. 




Be advised that this request is being made pursuant to my rights under federal law. As of today, you have not provided any such documentation. I first requested this information on [ XXXX prior request date, if any ], and you have failed to respond. 



Until you provide the complete and proper validation of this debt, you are hereby instructed to cease and desist all forms of communication with me, including phone calls, written correspondence, or credit reporting, as outlined in 15 U.S. Code 1692c ( c ). 



If you continue to pursue this matter without validating the debt, I will not hesitate to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the XXXX  Attorney Generals Office. 



Please provide all requested documentation in writing to my address above and a digital copy to my email at 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 non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
On XX/XX/year>, at XXXX XXXX  from my XXXX  XXXX XXXX app on my XXXX, I sent a {$14000.00} wire from my XXXX  XXXX XXXX account by mistake to an account at Capital One ( # XXXX ). As soon as I clicked send, I realized it was a mistake. I was at my local branch as soon as the doors opened and instituted a " call back ''. 
I have spoken to numerous XXXX  XXXX XXXX departments within the wire department. XXXX XXXX XXXX has told me that Capital One is requesting a " hold harmless letter ''. However, XXXX XXXX XXXX says they do not generate a hold harmless letter unless fraud is involved. They told me, and told Capital One, that the hold harmless letter is not needed for the call back because no fraud was involved. Nevertheless, Capital One continues to request a hold harmless letter. 
XXXX  XXXX XXXX XXXX # XXXX B of A Account Number : XXXX It was simply a mistake on my end ; no fraud is involved. I have tried numerous departments within B of A. I can't talk to Capital One because the account is not mine. I have no idea who owns the account at Capital One. I only know, they were not the intended recipient.

Company response to consumer: Closed with explanation