vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: CA

Complaint narrative:
An account was opened with Self/Lead Bank on XX/XX/year>, in my name and I have no knowledge of the account. I did not give anyone permission to use my information to open any type of account with this company. I have asked for a verification of debt and never received one. I have never bought any services from this company and did not utilize this account. I have constantly disputed this as identity fraud.

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: 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: NC

Complaint narrative:
I filed a dispute with Chime XXXX XXXX credt card issued by XXXX XXXX XXXX XXXX 
or XXXX XXXX XXXX  pursuant to licenses from Visa U.S.A. on XX/XX/year> for an unauthorized credit card transaction in the amount of {$180.00}. The Claim ID issued was XXXX. On XX/XX/year> the Claim for {$180.00} completed investigation of billing inquiry and determined that no billing error occurred. I requested to be furnished all documentation and written response from the merchant XXXX XXXX XXXX  that was used in determining that the {$180.00} was correct in accordance to the Rental Contract. Please require that all written documentation be furnished and all written XXXX filed by the merchant, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Leafy Financial, LLC
State: TX

Complaint narrative:
Leafy financial reported to credit bureau and this is not my account disputed and cant get removed this is fraud please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, for violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. 
On [ date ], I received a collection notice from Source XXXX XXXX regarding an alleged debt : Agency Number : XXXX Account Number : * * * * XXXX Alleged Original Creditor : XXXX Alleged Balance : {$280.00} In response, on [ date ], I sent XXXX XXXXXXXX XXXX a Debt Validation Request via certified mail, demanding proof that this debt belongs to me and that they have the legal right to collect. My letter requested documentation including : A copy of any contract or agreement bearing my signature. 
A complete account history and breakdown of the alleged balance. 
Proof of assignment or transfer of the debt from XXXX. 
XXXX that the debt is within the statute of limitations. 
The letter also included a Cease & Desist Notice, directing the company to cease all telephone contact and only respond in writing with the requested validation. 
To date, XXXX XXXX XXXX has failed to provide proper validation. Despite this, they have continued collection efforts, including [ describe any ongoing activity, e.g., phone calls, letters, credit reporting, etc. ]. 
This behavior constitutes a clear violation of the FDCPA, including but not limited to : 15 U.S.C. 1692g ( b ) : Continuing collection activity without providing validation.

15 U.S.C. 1692d : Engaging in harassing behavior by continuing to contact me after a cease and desist request.

15 U.S.C. 1692e : Misrepresentation of the debt by attempting to collect without proof. 
I respectfully request that your office : 1. Investigate XXXX XXXX XXXX for these violations. 
2. Direct them to immediately cease all collection activity on this alleged debt.

3. Ensure that any negative reporting to credit bureaus is removed until proper validation is provided. 
I have enclosed copies of : The original collection notice. 
My certified Debt Validation letter ( with proof of delivery ). 
Any further correspondence from the company. 
Thank you for your attention to this matter. Please confirm receipt of this complaint and keep me informed of the progress. 
Sincerely, XXXX XXXXAuthorized Account Holder

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: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I HAD A JP MORGAN CHASE ACCOUNT THAT WENT INTO DEFAULT. I PAID THE ACCOUNT OFF AND WAS TOLD THAT I COULD OPEN AN ACCOUNT WITH THEM. CHASE LET ME OPEN THE ACCOUNT AND THEN CLOSED IT ONCE THE PAYMENT POSTED FOR THAT OLD ACCOUNT

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: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Capital One declined the transaction for software around XX/XX/year> because the Credit Card was locked at the time it was applied. I payed the merchant from my XXXX credit card. I informed Capital One that my Card was locked and the charge still posted when I filed my initial dispute for XXXX XXXX XXXX and the transaction that was declined still posted. I informed Capital One that I paid for the XXXX XXXX XXXX  to XXXX on XX/XX/year> from my XXXX card. 

On XX/XX/year> the duplicate transaction posted to my Capital One Card. Capital One was informed of my dispute and should not have re-applied the charge because my Card was locked.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Company is reporting multiple time multiple amounts to credit i want this removed inaccurate

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: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SUNRISE CREDIT SERVICES, INC
State: CO

Complaint narrative:
Credit card opened and never used. Never received statements or had any knowledge of card being used. Received a collection notice on credit report for {$220.00} dollars, with no knowledge of any purchase and no transaction details included. Paid the collection to reduce risk of further action taken by the company, but it still appears on my personal credit 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 2025-09-22 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to follow up on my prior dispute regarding unauthorized and inaccurate hard inquiries that continue to appear on my credit report. Despite my initial request, these inquiries remain unresolved. I demand immediate action to investigate and remove them, as I never authorized these below inquiries : -- Experian -- XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXXXXXX XXXX XX/XX/year> -- Equifax -- XXXX XXXX XXXXXX/XX/year>

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX : XXXX XXXX XXXX  Open Date XX/XX/XXXX Account Number : XXXX days late : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX days late : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
XXXX  days late : XX/XX/XXXX, XX/XX/XXXX Creditor : XXXX XXXX XXXX dba XXXX XXXX Account number ( last XXXX ) : XXXX Account Number XXXX Date opened : XX/XX/XXXX Late months shown : XX/XX/XXXX ( XXXX ) Creditor : XXXX Account XXXX Open Date XXXX late reported XX/XX/XXXX, XX/XX/XXXX ________TransUnion_________________ Creditor : XXXX XXXX XXXX  Open Date XX/XX/XXXX Account Number : XXXX days late : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX days late : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX days late : XX/XX/XXXX, XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX last XXXX ) : XXXX Account Number XXXX Date opened : XX/XX/XXXX Late months shown : XX/XX/XXXX ( XXXX ) Creditor : XXXX Account XXXX Open Date XXXX late reported XX/XX/XXXX XXXX Creditor : XXXXXXXX XXXX XXXX Open Date XX/XX/XXXX Account Number : XXXX days late : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX days late : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
XXXX days late : XX/XX/XXXX, XX/XX/XXXX Creditor : XXXX XXXX XXXX dba XXXX XXXX Account number ( last XXXX ) : XXXX Account Number XXXX Date opened : XX/XX/XXXX Late months shown : XX/XX/XXXX ( XXXX ) Creditor : XXXX Account XXXX Open Date XXXX late reported XX/XX/XXXX, XX/XX/XXXX, 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 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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX : XXXX XXXX XXXX  Open Date XX/XX/XXXX Account Number : XXXX days late : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX days late : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
XXXX  days late : XX/XX/XXXX, XX/XX/XXXX Creditor : XXXX XXXX XXXX dba XXXX XXXX Account number ( last XXXX ) : XXXX Account Number XXXX Date opened : XX/XX/XXXX Late months shown : XX/XX/XXXX ( XXXX ) Creditor : XXXX Account XXXX Open Date XXXX late reported XX/XX/XXXX, XX/XX/XXXX ________TransUnion_________________ Creditor : XXXX XXXX XXXX  Open Date XX/XX/XXXX Account Number : XXXX days late : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX days late : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX days late : XX/XX/XXXX, XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX last XXXX ) : XXXX Account Number XXXX Date opened : XX/XX/XXXX Late months shown : XX/XX/XXXX ( XXXX ) Creditor : XXXX Account XXXX Open Date XXXX late reported XX/XX/XXXX XXXX Creditor : XXXXXXXX XXXX XXXX Open Date XX/XX/XXXX Account Number : XXXX days late : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX days late : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
XXXX days late : XX/XX/XXXX, XX/XX/XXXX Creditor : XXXX XXXX XXXX dba XXXX XXXX Account number ( last XXXX ) : XXXX Account Number XXXX Date opened : XX/XX/XXXX Late months shown : XX/XX/XXXX ( XXXX ) Creditor : XXXX Account XXXX Open Date XXXX late reported XX/XX/XXXX, XX/XX/XXXX, 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: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Account number : XXXX Subject : Cease and Desist Communication Request Pursuant to 15 U.S.C. 1692c ( c ) Dear To Whom May Concern, I am writing to formally request that you cease all communication with me in connection with the alleged debt you claim I owe. This request is being made in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ). 

Under this statute, once a consumer notifies a debt collector in writing that they refuse to pay a debt or that they wish the debt collector to cease further communication, the debt collector must cease communication with the consumer, except to : 1. Advise that further efforts to collect the debt are being terminated ; 2. Notify the consumer that the debt collector may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or 3. Notify the consumer that the debt collector intends to invoke a specified remedy.

Please take this letter as written notice that I am exercising my rights under the FDCPA and requesting that you immediately stop all communication with me regarding this matter.

Failure to comply with this request may result in a complaint being filed with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and/or your state Attorney Generals office. 

This letter is not to be construed as an acknowledgment of any debt, nor as a waiver of any rights under the FDCPA or any other applicable laws. 


Sincerely, XXXX XXXX

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: HI

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 

I am submitting this formal complaint against Equifax for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXX XXXX XXXX and XXXX XXXX XXXX. Despite having received all required documents, Equifax has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
A debt collector is attempting to collect an alleged debt that I do not recognize. Despite my written dispute and request for validation, including a copy of the original purchase agreement, the collector has failed to provide verification as required under the Fair Debt Collection Practices Act ( FDCPA ). 

Details of the Complaint : The debt collector contacted me about an alleged debt with the following information : Name of debt : [ Insert alleged debt name ] Account number : [ Insert account number if available ] Amount : [ Insert alleged amount ] I disputed the debt in writing and requested validation, specifically requiring : A copy of the original purchase agreement signed by me and the original creditor. 

Proof that the collector has legal standing to collect this debt. 

Proof that the alleged debt is accurate and complete. 

The collector has not provided verification, but continues to pursue collection and/or continues reporting this debt to credit reporting agencies XXXX XXXX XXXX XXXX XXXX  ). 

This is a violation of : FDCPA ( 15 U.S.C. 1692g ) failure to provide proper validation of debt.

FCRA ( 15 U.S.C. 1681s-2 ) furnishing inaccurate or unverified information to consumer reporting agencies. 

Desired Resolution : Immediate investigation into this collectors practices.

Immediate deletion of this alleged debt from all consumer reporting agencies until valid proof of ownership and accuracy is provided.

Cease all collection efforts unless and until the debt is fully validated.

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 — Public record information inaccurate
Company: CrossCountry Mortgage LLC
State: IL

Complaint narrative:
THIS WAS SOLD TO A DIFFERENT COMPANY AND THEY ARE STILL REPORTING THIS TO THE BUREAU ( EXPERIAN ) WHEN I NO LONGER HAVE THIS ACCOUNT

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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX date of birth XX/XX/year> contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the TRANSUNION, EQUIFAX AND EXPERIAN credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I've attached the copy of the identity theft affidavit and a document listing all the accounts as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are 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 2025-09-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to follow up on my prior dispute regarding unauthorized and inaccurate hard inquiries that continue to appear on my credit report. Despite my initial request, these inquiries remain unresolved. I demand immediate action to investigate and remove them, as I never authorized these below inquiries : -- Experian -- XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXXXXXX XXXX XX/XX/year> -- Equifax -- XXXX XXXX XXXXXX/XX/year>

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: Marauder Corporation
State: NJ

Complaint narrative:
This debt is not recognized, was never validated, and should not be reported. I request the CFPBs assistance in ensuring compliance with the FDCPA and FCRA, and in protecting my rights as a consumer. 

Sincerely, XXXX XXXX

Company response to consumer: Untimely response