vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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: TN

Complaint narrative:
I am submitting this complaint under the Fair Credit Reporting Act ( FCRA 602A, 604, 609, 611 & 615 ) and request immediate attention to the following inaccurate and harmful credit reporting by Equifax, XXXX XXXX XXXX  I am demanding a full reinvestigation and proper validation for each item listed below if you can not provide verified proof of these accounts they must be deleted immediately these inaccurate entries are causing financial harm and negatively impacting my creditworthiness I expect CFPB to take action and ensure my rights are fully protected XXXX XXXXXXXX Acct XXXX High Balance : {$650.00} Date Opened : XX/XX/XXXX Status : Late Payment Issue : I am disputing this because I never made any late payments this information is incorrect and must be corrected to Paid As Agreed/ Never Late unless you provide full documentation proving otherwise XXXX XXXX  High Balance : {$66.00} Date Opened : XX/XX/XXXX Status : Late Payment Issue : This late payment is false I was never late and the reporting is inaccurate please correct the payment history or provide complete verification as required under FCRA 611 XXXX  Acct XXXX High Balance : {$19000.00} Date Opened : XX/XX/XXXX Status : Charge Off Issue : I have no knowledge of this account this is not mine and must be removed unless you provide valid proof including full account history and original signed documents XXXX Acct XXXX High Balance : {$960.00} Date Opened : XX/XX/XXXX Status : Collection Issue : I do not recognize this collection I never received any validation letter this item must be deleted for failure to provide proper debt validation XXXX Acct XXXX High Balance : {$400.00} Date Opened : XX/XX/XXXX Status : Collection Issue : This account is not mine I did not open or authorize it please provide verification or remove it immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$4600.00} Date Opened : XX/XX/XXXX Status : Late Payment Issue : This late payment is incorrect I never made any late payments please correct the reporting or provide proper supporting documents I expect CFPB to investigate these items and ensure that all inaccurate and unverified accounts are corrected or removed failure to act violates my federal rights and causes ongoing harm I request written confirmation of resolution and any supporting documents used to verify these accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Formal Complaint False Debt Reporting and FDCPA Violation by XXXX XXXX XXXX XXXX LVNV Funding LLC Complainant : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX Phone : XXXX Email : XXXX Company Complained About : LVNV Funding LLC Complaint On XX/XX/year>, I received a collection notice, claiming I owed {$9900.00} to LVNV Funding LLC for an alleged XXXXXXXX XXXX  account ending in XXXX. I am disputing this debt because I have never had an account or relationship with XXXXXXXX XXXX, nor have I ever authorized any account to be opened in my name. This is a false account and a clear case of mistaken identity or fraudulent reporting. Despite the account being false, the collection agency has attempted to collect this debt, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, which prohibits false, deceptive, or misleading representations in connection with the collection of a debt. I also believe this may violate 1692f ( unfair practices ) and 1692g ( failure to properly validate a debt ). I have already contacted a lawyer regarding this matter. Details of Violation The collection letter references an account number with XXXXXXXX XXXX, which I have never opened or used. I have not authorized any individual or entity to open an account in my name with XXXX XXXX. The amount claimed ( {$9900.00} ) is false and unsupported by any documentation. The letter does not provide validation of the debt or proof of my obligation as required under federal law. 

LVNV Funding LLC for attempting to collect a false debt. Require them to cease all collection activity on this alleged account. Require them to remove any related negative reporting from all consumer credit bureaus immediately. Ensure these entities are held accountable for violations of the FDCPA and any related consumer protection laws

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
Our account went into Overdraft but when we tried to make a mobile deposit to bring it current were told we had reached a deposit limit & couldn't make a deposit this way. The area we are in does not have a local branch, the ATM 's do not accept deposits of any kind into an account. The lady on the phone said we had to activate a XXXX account & ask a Friend or someone else to send the money that way, if we can't make one in a different way. IF this is not illegal, it should be. This is trying to force people to create an account with someone else instead of with the bank. 

If we can not make a deposit isn't that the same as when a company refuses to take a payment for something we owe, so therefore we now do not owe them anything for overdrafts? 
My wife, personally has accounts that can not be closed with the same financial instutition ( Fifth Third Bank ) because there is not a branch available to do so in our area & it can not be done over the phone. They told her she had to come into the branch to close the other accounts so they are still open ( 4 years after we moved ) as we do not have access to a local branch. She also has no access to those accounts as the mobile app does not work for her, logging in to the site does not work even with changed passwords. 

This is so not acceptable and adds stress to an already stressful situation. XXXX and the fact they do this with a veteran with XXXX is totally unacceptable on all levels.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: OH

Complaint narrative:
I attempted to transfer money to my Chime account so I could ultimately transfer that to a XXXX bank account I had just made in order to be able to move away from Chime as my primary card with the intention of paying back my owed balance once I got a stable income and home ( I am currently homeless ). The money that was put into the account ( which was going to be used to apply for an apartment that I need before winter ) was then immediately and unknowingly taken from my account before the balance even showed on my screen. They told me over the phone that their policy had changed on XX/XX/XXXX and that I was notified. Picture # 3 shows how I have zero notification stating anything about a policy nor have I ever gotten a notification about any of their policy changes in the last 2 years of having an account with them. As you can see by the time stamps on my transaction statement ( picture # 2 ), both transactions were done within the first few seconds of the money being in the account. I did not authorize this transaction. In picture # 1, I show a piece of information that Chime has added to the XXXX payment screen, which reads You can make a payment when your Chime balance is more than your XXXX outstanding balance which, at the time, was {$310.00}. I deposited {$240.00} and in no way is that more than the balance owed, and again, nor did I authorize the transaction. Member Services as well as the Supervisor could not give me an answer as to why that information is incorrect and would not assist me any further than saying Im sorry about that to me losing a quarter of the money I had saved for my own home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: TX

Complaint narrative:
I am working on correcting inaccuracies in my credit report. Below are the accounts in dispute for TransUnion : Charged Off 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-11-20 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: KEYCORP
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ny XXXX [ XXXX ) XXXX XX/XX/year> Customer Service Department KeyBank XXXX XXXX XXXX XXXX, OH XXXX Subject : Dispute of Late Payment Reporting Dear KeyBank Customer Service, I am writing to formally dispute inaccurate late payment ( s ) reported on my credit report under the provisions of 15 U.S.C. 1666 ( b ) of the Fair Credit Billing Act. Upon reviewing my credit report, I noticed the following late payment ( s ) attributed to my account, which I believe to be incorrect : - Account Number : XXXX - Late Payment Date : XXXX - Amount : XXXX I have consistently made my payments on time, and I have attached supporting documentation, including going into the branch and your employees saying it was a mistake made on keybank end, you guys close my account without properly looking at my transactions and not realizing I still had a pending charge when it was your employee who call my phone and told me my collateral money I gave my for my secured credit card will be use to pay off my balance. 

According to 15 U.S.C. 1666 ( b ), I believe this late payment entry is inaccurate and should be reviewed. I kindly request that you investigate this matter and remove the inaccurate late payment from my credit report. 

Please confirm receipt of this dispute letter. I would appreciate a timely resolution of this issue and will await your response regarding the investigation results. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: MA

Complaint narrative:
I am submitting this CFPB complaint because Equifax is reporting information on my credit file that I believe is inaccurate or can not be verified. I am requesting a full reinvestigation under the FCRA. 

XXXX XXXX Acct : XXXX Opened : XX/XX/XXXX Reported Balance : {$0.00} I do not believe this account is being reported accurately and I request full verification. 

XXXX XXXX XXXXXXXX Acct : XXXX Opened : XX/XX/XXXX Reported Balance : {$0.00} The charge-off status and reporting dates appear incorrect. 

XXXX XXXX XXXXXXXX Acct : XXXX Reporting appears incomplete; please verify or correct. 

XXXX XXXX XXXX Acct : XXXX I dispute the late payment information and request verification. 

XXXX XXXX  Acct : XXXX Late payment reporting appears inaccurate. 

XXXX Acct : XXXX I request verification from the original creditor. 

I am asking Equifax to provide documentation for all items above or remove any information that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: GA

Complaint narrative:
HUNTER WARFIELD is falsely reporting on my credit. I have never had any accounts with them. Per my research HUNTER WARFIELD is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase unexpectedly restricted and closed my business account ( ending in XXXX ) without providing a specific explanation or identifying any fraudulent activity. I received an email stating the closure was to protect against potential fraud, but no fraud occurred and no details were offered. 

I was asleep when the closure took place. When I called Chase the following morning, multiple representativesincluding the fraud departmenttold me they could not explain what triggered the closure, nor could they reverse it. They were unable or unwilling to provide the reason for this action, which leaves me unable to understand or dispute the decision. 

This is a legitimate business account with normal, lawful transactions. I have never received any fraud alerts, no suspicious activity occurred, and no one at Chase can tell me what the bank believes was problematic. 

I am now unable to access my own funds, view my account online, or manage scheduled payments. Chase stated they will mail me a cashiers check at an unspecified time, which creates significant financial hardship and operational disruption. 

I am requesting the following from Chase : A clear and specific explanation for why the account was restricted and closed. 

A review of the closure decision, as it was made without notice or justification. 

Immediate and secure release of my funds ( preferably via wire transfer, not a delayed mailed check ). 

Documentation of the banks internal findings regarding the alleged potential fraud. 

Chases refusal to provide transparency, documentation, or meaningful support leaves me with no option but to ask the CFPB for assistance. 

Thank you for your help in resolving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA $ 605B ( 15 U.S.C. 6 1681c-2 ) that you the TransUnion, Experian, Equifax credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a car loan at XXXX XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX XXXX account number XXXX, and XXXX XXXX XXXX account number XXXX and XXXXXXXX XXXX XXXXXXXX account XXXX. These accounts have resulted in several fraudulent accounts appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts consumer credit report maintained by you were not opened, made, or initiated by me. I have attached a copy of FTC Identity Theft Criminal Complaint.

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA $ 605B ( 15 U.S.C. 6 1681c-2 ) that you the TransUnion, Experian, Equifax credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a car loan at XXXX XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX XXXX account number XXXX, and XXXX XXXX XXXX account number XXXX and XXXXXXXX XXXX XXXXXXXX account XXXX. These accounts have resulted in several fraudulent accounts appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts consumer credit report maintained by you were not opened, made, or initiated by me. I have attached a copy of FTC Identity Theft Criminal Complaint.

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 2025-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
I disputed the debts with them on my credit report as I have three debts they own now but just because they are putting incorrect dates repeatedly. Instead of correcting the dates they added a few dollars into the debt making my score sip even lower and when I go on their website the one shows the amount they expect me to pay even higher! I dont agree that the amounts are correct on all accounts and I dont understand why when I disputed they all of a sudden just add a few dollars to lower my score more. They a re not the original credit card company but a debt collector that bought the debts called Midland Credit Management.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These are inaccurate items. They show as late payments.

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 2025-11-20 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: CA

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I have never ever done any business with LVNV FUNDING LLC claiming ownership of a XXXX XXXX XXXX XXXX XXXX account that was allegedly sold to them on XX/XX/year>, with a reported balance of {$1000.00}. Following this, I began corresponding directly with LVNV FUNDING LLC and formally requested the following under the Fair Debt Collection Practices Act ( FDCPA ) 1692g : Proof of ownership of the account Complete chain of title An itemized breakdown of the alleged debt A proper debt validation notice Despite these requests, LVNV FUNDING LLC has failed to provide any of the requested documentation. I have never had any relationship with LVNV FUNDING LLC, nor have I ever opened any account with them. If this account is being reported to credit bureaus, it is being done without proper verification in violation of the Fair Credit Reporting Act ( FCRA ) 1681i. These actions constitute unfair and deceptive collection practices under UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) .Because of that, I am filing this complaint with the CFPB because it is unjust for an unverified account to negatively impact my credit report. I respectfully demand that this account be immediately removed from all credit reporting agencies.

Company response to consumer: Closed with explanation