vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN HONDA FINANCE CORP
State: TN

Complaint narrative:
I am a victim of identity theft and fraud involving a loan taken out in my name without my consent. I filed a police report, an FTC identity theft report, and the credit bureaus ( XXXX XXXX XXXX XXXX ) have all deleted the fraudulent loan from my credit report. 

The lender has now provided a written response to my CFPB complaint that contains false statements and contradictions. In their response, the lender falsely claims facts about me and the vehicle transaction. The same response also admits that the dealership agreed to repurchase the vehicleyet they are still refusing to release the lien. 

If this transaction were legitimate, there would be no reason for XXXX XXXX to attempt to repurchase the vehicle. Their actions show that they knew there was wrongdoing in this deal. 

Per federal law, I am entitled to a lien release and to be free of responsibility for fraudulent debts : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 ( added by the Fair and Accurate Credit Transactions Act, FACTA ), consumers are not responsible for debts resulting from identity theft. Creditors and furnishers must block fraudulent information from being reported and can not pursue collection on such debts.

Under the Uniform Commercial Code ( UCC 9-513 ), once an obligation is void or satisfied, the secured party ( the lender ) is required to file a termination statement to release the lien. Refusing to do so is unlawful. 

I also want to state clearly that I was not on camera at the dealership on XX/XX/year>. Back in XXXX, dealership employees XXXX XXXX and XXXX XXXX at XXXX XXXX knew I was not approved for financing yet still held my {$3000.00} down payment hostage. These are further signs of bad faith and fraud. 

The lender is lying on me in their correspondence and refusing to acknowledge the facts already established by the credit bureaus. They continue to block my right to clear title by not releasing the lien. 

I will also like to mention that the XXXX XXXXXXXX XXXX is involved and has an open investigation into the dealership and this matter. I also reached out the attourney generals office here in Tennessee and forwarded them all correspondence from the dealership and the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/year> I was contacted by Bank of America through the app about possible fraudulent charges for {$1700.00} total on my credit card ( XXXX charge of {$250.00}, XXXX charge of {$1500.00} ). The charges were coming from a XXXX XXXX in XXXX, Massachusetts, which I have never visited and I did not authorize any charges from that merchant. 

I immediately flagged both charges as fraudulent with Bank of America, and they proceeded to cancel my existing credit card and mail me a new one. On XX/XX/XXXX, they said the fraud review process was complete, but they only removed the {$250.00} charge, and left the {$1500.00} charge on my account. I have been unable to reach their call center, and the app will not let me dispute the remaining {$1500.00} charge. Please help get this fraudulent charge 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 2025-09-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
I have XXXX companies that are trying to collect on the same bill XXXX XXXX and Credence resource management are trying to collect for XXXX XXXX XXXX balance {$3200.00}. Its showing on my credit report that I owe XXXX bills when I do not. Asking for appropriate action to be taken because I did not owe these XXXX companies anything

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Re : Equitable Demand for Restitution Converted Credits Dear Sir or Madam, Under the doctrines set forth in XXXX Equity Jurisprudence, it is established that : 1. Equity regards as done that which ought to be done. 
2. Equity will not suffer a wrong without a remedy.

3. Equity prevents unjust enrichment through constructive trusts and restitution. 

The automobile repossession was executed against an instrument issued by me a promissory note which in equity constitutes valuable property. Said note was deposited and converted into bank credits, which in equity remain an asset belonging to the issuer.

By operation of equity and under the trust principles recognized in XXXX ( see XXXX, XXXX, XXXX ), the party who has received value from anothers equitable property holds such value as a trustee, bound in conscience to restore it. 

Accordingly, I hereby demand that Ally Financial, holding the equitable proceeds of my converted credit, restore said value in the form of a check made payable to : TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Your retention of such value without restitution constitutes unjust enrichment and a breach of equitable duty. I require compliance within ten ( 10 ) days of receipt of this notice. 

In honor and equity, XXXX XXXX XXXX Authorized Representative for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: DE

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS 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 FRAUDULENT INQUIRIES 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 2025-09-17 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
Good morning, I would like to share my experience with you about an ongoing fraud issue I have been dealing with since on/around XX/XX/year>. 

First, I received a text message from " XXXX '' stating there was fraudulent activity on my account. Now I had not heard of any schemes regarding " XXXX '' so I contacted the phone number. When I spoke to the young man, he said he was from " XXXX. '' I could hear what appears to be another customer service person in the background. Well, he stated he needed access to my phone so that he could help me navigate the possible fraud. He even showed me a dollar amount at the end of one of my phone screens telling me this is the amount they are attempting to charge me. Well, he stated I needed to transfer my money to another account. My antenna went up. The gentleman stated I needed to move the money to the apple account so that he could clear it. I did just that. I moved {$5.00}. When I checked my checking account, I noted {$990.00} was missing. I screamed on the telephone. I yelled at him and told him " YOU STOLE MY MONEY! '' He was trying to calm me down but to feel that level of violation was unreal! He hung up. When I attempted to contact him from the number, he called me from the person stated he did not know what I was talking about. I immediately contacted SECU. The young man stated I needed to wait until Monday to do anything because the money had not been posted yet. Well, I did just that. I was continuously being told SECU could not do anything. One day I said I would call. I explained the embarrassing story to the lady, and she refunded me my money. Well, I thought that nightmare was over. I am currently out of town. Monday XX/XX/year>, when I went to use my card, it was declined! When I logged in, I noted the {$990.00} AGAIN! When I got back to my hotel room, I logged in and disputed the charge and the transaction. I received messages stating to give them time to investigate. On XX/XX/year>, I called SECU and spoke with a representative named XXXX. This is when I learned SECU mailed me a letter at the end of XXXX ( I have not received it ). XXXX read the letter to me. The letter stated since I provided the card number it was not fraud! WHAT! The person misrepresented who they were! I have worked on fraud/exploitation cases and to say to the victim " well you provided the card '' was RIDICULOUS! What this situation is saying to me is the following : XXXX. I can not trust SECU 2. Relationships are not important to SECU 3. SECU does not need me to continue doing business with them ( I have been a member of the bank for over 14 years ). 

The situation is very heartbreaking.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
1. FDCPA Request for Validation : Under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide validation of this debt, including : The exact amount claimed and how it was calculated.

Copies of any contracts or agreements I allegedly signed.

Proof that I am legally obligated to pay this debt.

Until you provide proper validation, you are required to cease all collection activity and refrain from reporting inaccurate information to credit reporting agencies.

2. FCRA Dispute : Under 15 U.S.C. 1681s-2 ( a ) ( 5 ), furnishers of information must report only accurate information and must correct any inaccuracies once notified. Since the amount reported is incorrect, I request that you investigate this matter and correct or delete the inaccurate charge-off from all credit reporting agencies.

Please provide written verification and confirmation of the correction/deletion within the timeframes required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I assert that the incorrect late payment notations on my accounts violate 15 USC 1666. I have consistently made my payments on time, and any errors in this reporting are both unfair and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: MA

Complaint narrative:
This is my fifth and final warning before I initiate legal action. The continued reporting of inaccurate and unverified information is a willful and negligent violation of the FCRA 1681n ( willful ) and 1681o ( negligent ), as well as the CFPA 1031 for unfair, deceptive, and abusive acts or practices ( UDAAP ). You are fully liable for damages caused to my creditworthiness and personal finances. If immediate deletion is not made, I will pursue a lawsuit and report this to the FTC, CFPB, and State Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On multiple occasions Ive attempted to close my PayPal account. Every excuse against doing so has been met by my actions to cure. The final straw for me was when the agent who finally promised to close the account stated they had authentication issues and asked me to come back in 24 hours. 

Im fed up with PayPal and am tired of jumping imaginary hoops.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I am disputing the Midland Credit Management collection account ending in XXXX XXXX XXXX XXXX XXXX XXXX. I have already paid this account in full, yet Midland has failed to provide proof of ownership of the debt or documentation from the original creditor. This failure violates the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 3 ), which requires furnishers to report accurate and verifiable information.

Under FCRA 611 ( a ) and 1681i ( a ) ( 5 ) ( A ), credit reporting agencies must delete unverifiable information from consumer reports. I am requesting that this Midland collection be removed from my credit reports with XXXX XXXX XXXX XXXX, as it is both unverified and no longer owed. 

I ask that the CFPB ensure Midland complies with the FCRA and that this account is deleted from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I used my debit card through my virtual wallet on my cell phone to put gas at the XXXX XXXX in XXXX XXXX, Florida, the machine would not dispense gas so I put the hose in the pump and went to another pump to fill up with gas, when I left I realized that the damaged machine charged me {$66.00} and I went back to the gas station to complain but the person told me to dispute the charge because there was nothing she could do and since it was almost XXXX XXXX  I had to come back the next day to talk to the manager, so I asked for the receipts for the XXXX transactions, the next day I spoke to the Manager and she told me that she could not show the cameras but she reviewed and saw everything I told her and said that I should dispute the charge, when I disputed the charge I reported everything and also told them that I do not usually make transactions of more than {$20.00} for gas and also my car has a XXXX gallons maximum and the receipt shows that the second transaction was made XXXX minutes after the first so I could not Being in XXXX pumps almost at the same time, the dispute at the bank was not approved so I made the claim to the XXXX XXXX corporate and they still haven't given me a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THE INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS MY INVOICE HAS BEEN IN PLACE SINCE XXXX AND THIS ERROR HAS STILL NOT BEEN CORRECTED. THIS NEGATIVE ENTRY DOES NOT REFLECT MY CONSISTENT RECORD OF ON-TIME PAYMENTS AND UNFAIRLY DAMAGES MY CREDIT PROFILE. THE ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666B, THIS CONSTITUTES A BILLING ERROR, AND I HAVE ATTACHED AN INVOICE SUPPORTING MY CLAIM AS A FEDERALLY PROTECTED CONSUMER RIGHTS VIOLATION. IF THIS ERROR IS NOT CORRECTED PROMPTLY, I WILL PURSUE MONETARY DAMAGES IN SMALL CLAIMS COURT IN MY CITY/STATE, WITH LATE FEES ACCRUING AT {$1000.00} PER DAY FOR EACH DAY THIS REMAINS UNRESOLVED. I URGE YOU TO CONDUCT A PROMPT INVESTIGATION AND UPDATE MY ACCOUNT TO ACCURATELY REFLECT ITS CORRECT STATUS WITHOUT ANY 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 2025-09-17 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: NY

Complaint narrative:
I am writing to you for the umpteenth time regarding the fraudulent accounts on my credit report. I have previously sent you multiple letters along with supporting documentation such as FTC reports, a police report, and an identity theft victim complaint and affidavit. Despite my repeated efforts, the inaccurate information continues to negatively impact my credit profile.

As a consumer protected by the Fair Credit Reporting Act ( FCRA ) under 605B ( 15 U.S.C. 1681c-2 ), I am formally requesting that you block all accounts that are a result of identity theft or fraudulent activity. It is imperative that you take immediate action to rectify this situation and prevent any further harm to my creditworthiness.

I urge you to thoroughly investigate the information provided and take the necessary steps to ensure that my credit report is accurate and reflective of my true financial history. Failure to comply with the provisions of the FCRA could result in legal action against your organizations. 

I appreciate your prompt attention to this matter and expect a swift resolution. Please confirm in writing once the fraudulent accounts have been blocked from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: TX

Complaint narrative:
b'Please take action to remove the disputed items within 15 days, per 1681g.'

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 2025-09-17 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: IN

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

1681c2 ) that you, the TransUnion 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 : INQUIRIES : XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$680.00} 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: MI

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX - Balance {$0.00} Account Name XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX - Balance {$1900.00} Account Name XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX - Balance {$2700.00} Account Name XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX - Balance {$790.00} Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX - Balance {$800.00}

Company response to consumer: Closed with explanation