vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Credit Karma, LLC
State: GA

Complaint narrative:
I calledXXXX  and they said the Dispute was done through Credit Karma and when I look on the website it shows were a Dispute was submitted on my account through Credit Karma on XX/XX/XXXX. XXXX  received it on XX/XX/XXXX and it does show a XXXX  account and a XXXX XXXX XXXX was submitted. I only submitted a Dispute for XXXX XXXX XXXX which is the only negative thing on my account. Why would I want account closed on a XXXX  XXXX that is still active with over XXXX  of dollars credit limit with XXXX balance. This account has been open since XXXX and still active today. I want to know who breached my account on Credit Karma. I have been very professional through this process and its showing on you'll website that my account was compromised and I expect you'll to fix. It don't got nothing to do with XXXX  or XXXX. I can't Dispute a fraudulent issue about a account being closed from XXXX and I don't know who would hack my account and definitely wouldn't close a XXXX account that has been helping my account grow. I need some answers my score dropped almost a XXXX points this XXXX is ridiculous If I can see the Dispute Center so can you'll because it with Credit Karma.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX here is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: OK

Complaint narrative:
I am filing this complaint against Credit Collection Services ( CCS ) regarding a collection account that appears on my credit report without proper validation or notice. The account details are : - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  - Furnisher : Credit Collection Services- Status : Collection ( details not fully disclosed in the credit report ) I do not recall receiving any written notice of this debt, nor have I received validation of the alleged obligation. Under the Fair Debt Collection Practices Act ( FDCPA ) 809 and the Fair Credit Reporting Act ( FCRA ) 611 and 623, I am requesting that this account be removed unless full validation is provided. 
I have contacted the credit bureaus and the furnisher but have not received adequate documentation. I request that the CFPB investigate this matter and ensure that CCS complies with federal law by either validating the debt or removing the account from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: WI

Complaint narrative:
Us Bank there was an reported unauthorized illegal atm withdrawal being I had lost my debit card back on XX/XX/year> I had called US Bank to report issue as missing card witch they canceled out my atm debit card but then was told speak to different fraud dept that only handles ATM withdrawls but twice I have called them they know reported unauthorized missing XXXX due unauthorized ATM withdrawal plus some XXXX XXXX also unauthorized but they didn't seem file claim to fix my unauthorized withdrawals for the XXXX plus two 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 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year>, two unauthorized electronic fund transfers were made from my Wells Fargo account : {$3000.00} {$90.00} These funds were transferred without my authorization to a XXXX XXXX account, and from there moved to a prepaid card that does not belong to me. I did not initiate, authorize, or participate in these transactions in any way. 
As soon as I discovered the unauthorized withdrawals, I contacted Wells Fargo immediately to report the fraud. I formally submitted a dispute/Regulation E claim approximately four days later, within the required timeframe. I also had possession of my physical debit card at all times, and no device containing my digital wallet was lost or compromised. This incident involved unauthorized access to my Wells Fargo online/mobile banking account, not physical card use.

Despite my prompt reporting and the evidence that the transfers involved third-party platforms I do not use, Wells Fargo denied my claim based on the incorrect assumption that the transactions must be authorized simply because I possessed my debit card. This reasoning does not address the actual fraud mechanism, which was a digital account takeover through the Wells Fargo app.

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 2025-12-08 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: CA

Complaint narrative:
accounts do not belongs to me i have tried to talk to XXXX, Equifax and XXXX but they are refusing to remove even i did provide them an Identity theft report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
accounts do not belongs to me i have tried to talk to XXXXXXXX XXXX  and Transunion but they are refusing to remove even i did provide them an Identity theft report.

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 2025-12-08 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am disputing inconsistent and inaccurate reporting regarding my XXXX account. Experian is reporting the account with a {$690.00} past-due balance, 3 late payments, and a 90-day late status. However, Equifax does not report this account at all.

The absence of the account on Equifax while significant negative information appears on XXXX  shows that the information being furnished is incomplete, inconsistent, and not verifiable. Under the FCRA, a furnisher must provide accurate and complete information. Reporting serious delinquencies to only one bureau is misleading and suggests the information can not be verified.

Because Equifax has no record of this account, the payment history being reported only by XXXX  can not be considered accurate or reliable. I requested verification, and the information was not supported with proper documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc.
State: MI

Complaint narrative:
To Whom It May Concern : I am writing to request that you update my personal information in your records to the following : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX Please send me a complete copy of my entire consumer file that you maintain under my name and Social Security number. 

I also hereby opt out of any sharing, selling, or disclosure of my personal information with any third parties for any reason. If you share my information after this notice, I will pursue legal action for violations of my consumer rights and privacy. 

I have attached a copy of my government-issued identification, Social Security card XXXX and proof of residency to verify my identity and address. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I am receiving repeated and escalating collection letters for a XXXX account that does not belong to me. I have never opened, used, or authorized any XXXX  account. Despite this, I have received four different collection notices with inconsistent balances and changing account numbers, and now the debt has been passed to a second collection agency. 

Here are the collection notices I received : XXXX. XX/XX/year> Transworld Systems Inc. ( TSI ) claiming I owed {$850.00} for account number XXXX. 
XXXX. XX/XX/year> TSI claiming I owed {$1300.00} for account number XXXX. 
XXXX. XX/XX/year> TSI claiming I owed {$1700.00} for account number XXXX. 
XXXX. XX/XX/year> XXXX claiming I owed {$2000.00} for account number XXXX. 

The balances keep increasing, the account numbers are inconsistent, and the debt was transferred to another collection agency, which suggests the information is inaccurate or belongs to someone else. 

I disputed the debt in writing multiple times : On XX/XX/year>, I mailed a Debt Validation Letter to TSI. 
On XX/XX/year>, I mailed another written dispute regarding the second notice. 
On the same date ( XX/XX/year> ), I also sent a follow-up letter informing TSI that they had not provided any validation.

I also completed and mailed the dispute form attached to their collection notice on XX/XX/year>. 

Despite these written disputes, TSI did not provide any validation of the debt as required under the Fair Debt Collection Practices Act ( FDCPA ). Instead, they continued collection efforts, sent additional notices with higher balances, and eventually the debt was transferred to XXXX, who also began collection activity without providing any proof that this debt belongs to me. 

This continued activity after receiving my disputes appears to violate FDCPA requirements, including continuing collection without proper validation. 

I am requesting CFPBs assistance to stop these improper collection attempts, require the collectors to validate the debt if they claim it is mine, and correct their records because this debt does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am filing this complaint against Midland Credit Management , Inc. for knowingly reporting and attempting to collect an unverified and disputed debt allegedly tied to XXXX XXXX for {$3000.00}. I sent a written dispute and debt validation demand under FDCPA 809 and the FCRA, specifically requesting proof of ownership, the original signed agreement, full account history, and legal chain of title. Midland has failed to provide any of the required documentation and is continuing to report the account to the credit bureaus in violation of federal law. Their actions constitute inaccurate reporting, deceptive collection practices, and failure to properly validate a disputed debt. MIDLAND CREDIT MANAGEM XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party

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 2025-12-08 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
In reviewing my credit report recently, I discovered an issue that does not accurately reflect the reality of my efforts and the handling of one of my accounts. Because of that, I am exercising my rights under the Fair Credit Reporting Act to request a fair correction. The account in question is with XXXX account number XXXX XXXX XXXX. I opened this account on XX/XX/XXXX, managed it with clear intent and responsibility, and ultimately paid the balance in full, bringing the account to {$0.00}. According to my records, the last payment was made on XX/XX/XXXX, and the account had activity through XX/XX/XXXX. Yet my file shows a 30-day late payment for XX/XX/XXXX. This is where my concern arises, because the story of this account as I lived it was one of active management and full repayment, and I want my credit file to reflect that truth. Congress, in FCRA 602, recognized that a fair credit reporting system depends on accuracy and integrity. The spirit of that section reminds me that consumers should not be burdened by information that misrepresents their financial journey. When something appears incomplete or does not match the reality of events, it is important both for myself and for the system that it be investigated and corrected. That is why FCRA 611 ( 15 U.S.C. 618i ) empowers consumers like me to dispute information we believe to be inaccurate. It gives us the right to notify the credit bureau, to submit our concerns, and to request a thorough reinvestigation. This letter is part of that process a respectful request to ensure that my payment history is portrayed correctly. I am kindly requesting that Experian correct the reporting of the XXXX account to reflect its true status PAID AS AGREED, and correct any late payment reporting that does not match the actual history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: AZ

Complaint narrative:
In reviewing my credit report recently, I discovered an issue that does not accurately reflect the reality of my efforts and the handling of one of my accounts. Because of that, I am exercising my rights under the Fair Credit Reporting Act to request a fair correction. The account in question is with XXXX account number XXXX XXXX XXXX. I opened this account on XX/XX/XXXX, managed it with clear intent and responsibility, and ultimately paid the balance in full, bringing the account to {$0.00}. According to my records, the last payment was made on XX/XX/XXXX, and the account had activity through XX/XX/XXXX. Yet my file shows a 30-day late payment for XX/XX/XXXX. This is where my concern arises, because the story of this account as I lived it was one of active management and full repayment, and I want my credit file to reflect that truth. Congress, in FCRA 602, recognized that a fair credit reporting system depends on accuracy and integrity. The spirit of that section reminds me that consumers should not be burdened by information that misrepresents their financial journey. When something appears incomplete or does not match the reality of events, it is important both for myself and for the system that it be investigated and corrected. That is why FCRA 611 ( 15 U.S.C. 618i ) empowers consumers like me to dispute information we believe to be inaccurate. It gives us the right to notify the credit bureau, to submit our concerns, and to request a thorough reinvestigation. This letter is part of that process a respectful request to ensure that my payment history is portrayed correctly. I am kindly requesting that Experian correct the reporting of the XXXX account to reflect its true status PAID AS AGREED, and correct any late payment reporting that does not match the actual history.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am submitting this letter as the consumer whose credit file continues to show several late-payment entries that do not align with the factual history of my accounts. I am formally disputing these inaccuracies under the protections granted to me by FCRA 611 ( 15 U.S.C. 1681i ), which guarantees my right to dispute and request a reinvestigation of information that appears incorrect or unverifiable. I am also invoking my rights under FCRA 623 ( a ) ( 2 ), which requires furnishers of information to promptly correct and update any account data that they are reporting inaccurately, as well as FCRA 609 ( 15 U.S.C. 1681g ), which provides me the right to a full and complete disclosure of all information being reported about me.The issues I am identifying below relate to late-open accounts that appear differently across Experian, Equifax, and TransUnion. The dates of opening, dates of last activity, and the month-tomonth late payment entries do not align when compared to one another, which is a direct violation of the requirement for maximum possible accuracy mandated under FCRA 607 ( b ). Because these bureaus and furnishers are not reporting the same factual information, this creates confusion, inconsistency, and incomplete verification. Under FCRA 1666 and 1666a, any account under dispute must be investigated properly, and creditors must refrain from reporting misleading derogatory statuses until a fair investigation is completed. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$420.00} Date XXXX Date of Last Activity : XX/XX/XXXX late XXXX  days XX/XX/XXXX, late XXXX  days XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$420.00} Date Opened : XX/XX/XXXX Date of Last XXXX late XXXX  days XXXX XXXX in XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$420.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX late XXXX  days XXXX XXXX in XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$520.00} Date XXXX Date of Last Activity : XX/XX/XXXX late XXXX  days XX/XX/XXXX, late XXXX  days XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$520.00} Date Opened : XX/XX/XXXX Date of Last XXXX late XXXX  days XXXX XXXX in XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$520.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX late XXXX  days XXXX XXXX in TU

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 2025-12-08 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
In reviewing my credit report recently, I discovered an issue that does not accurately reflect the reality of my efforts and the handling of one of my accounts. Because of that, I am exercising my rights under the Fair Credit Reporting Act to request a fair correction. The account in question is with XXXX account number XXXX XXXX XXXX. I opened this account on XX/XX/XXXX, managed it with clear intent and responsibility, and ultimately paid the balance in full, bringing the account to {$0.00}. According to my records, the last payment was made on XX/XX/XXXX, and the account had activity through XX/XX/XXXX. Yet my file shows a 30-day late payment for XX/XX/XXXX. This is where my concern arises, because the story of this account as I lived it was one of active management and full repayment, and I want my credit file to reflect that truth. Congress, in FCRA 602, recognized that a fair credit reporting system depends on accuracy and integrity. The spirit of that section reminds me that consumers should not be burdened by information that misrepresents their financial journey. When something appears incomplete or does not match the reality of events, it is important both for myself and for the system that it be investigated and corrected. That is why FCRA 611 ( 15 U.S.C. 618i ) empowers consumers like me to dispute information we believe to be inaccurate. It gives us the right to notify the credit bureau, to submit our concerns, and to request a thorough reinvestigation. This letter is part of that process a respectful request to ensure that my payment history is portrayed correctly. I am kindly requesting that Experian correct the reporting of the XXXX account to reflect its true status PAID AS AGREED, and correct any late payment reporting that does not match the actual history.

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 2025-12-08 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief