vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Oliphant United, Inc.
State: NJ

Complaint narrative:
i contacted oliphant they stated they purchased my debt from XXXX XXXX XXXX XXXX XXXX XXXX. i contacted XXXX XXXX and they said they are unable to provide statements that the account was sold to " accelerated inventory management , llc. they also provided a number to call i call the company and the phone number was not valid. i cross checked addresses and the address matches the same as oliphant. this debt should be completely removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: MI

Complaint narrative:
This is a rebuttal to complaint ID : XXXX. I have attached proof that XXXX XXXX XXXX returned my certified validation request as undeliverable. 

They have made no effort to verify the debt, and therefore, Equifax is in violation of FCRA 611 ( a ) ( 5 ) by continuing to report unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: NY

Complaint narrative:
Wrong accounts dont belong to me collections not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THIS BANKRUPTCY RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS INCLUSION ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND IS CAUSING SIGNIFICANT EMOTIONAL DISTRESS. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS SERIOUS ERROR. SEE THE ATTACHED DOCUMENT FOR VERIFICATION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX XXXX XXXX, 2025 Comenity Capital Bank / XXXX XXXX Subject : Formal Dispute of Account # XXXX To Whom It May Concern, I am writing to formally dispute the validity of an account appearing on my credit report : Comenity Capital/XXXX Account XXXX XXXX. I have no recollection or record of opening or authorizing this account and did not receive any prior notice or opportunity to dispute the debt in question. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you provide the following : Verification of the debt, including the original contract or agreement bearing my signature. 

Proof of prior written notice sent to me, including certified mail or other evidence confirming my receipt and acknowledgment. 

If you are unable to provide this documentation within 30 days, I request that you immediately delete account # XXXX from all credit reporting agencies to avoid further action. Failure to validate the account and continued reporting may result in legal action for violations of the FCRA and any other applicable state or federal laws. 

Please respond to this letter in writing. I am also requesting that all communications be made in writing to maintain proper documentation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
We have a credit card with Citicards ( ending in XXXX ). Balance Transfer XXXX had a promotional rate expiring on XX/XX/XXXX. We contacted Citi by phone on XX/XX/XXXX to determine the first date we could pay the amount of Balance Transfer XXXX to avoid the much higher non-promotional rate. We were told we could pay it on XX/XX/XXXX, which we did. On XX/XX/XXXX we discovered that the payment had NOT been applied to Balance Transfer XXXX. We then chatted with Citi -- the representative told us that the prior representative gave us incorrect information, but that if we paid it then, it would be applied to Balance Transfer XXXX. We paid off Balance Transfer XXXX in full on XX/XX/XXXX. The XX/XX/XXXX statement indeed showed that it was paid in full ( See attachment ). 
However, we received our XX/XX/XXXX statement and it shows the XXXX  balance in Balance Transfer XXXX and Citi assessed us interest, which apparently is still accumulating, even though by its admission in the XX/XX/XXXX statement, the balance had been paid in full. 
We contacted Citi to resolve this. We were told that it would be resolved, but it wasn't. We chatted with them again today and was told that they would not correct this obvious error. They provided no rationale other than copying and pasting the language of their payment application portions of the cardholder agreement. 
These facts demonstrate that Citi 's action were knowing, deliberate and fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Valon Technologies, Inc.
State: FL

Complaint narrative:
I was granted 100 % service connected XXXX from the Veteran 's XXXX ( XXXX  ). According to Florida statute, I was no longer required to pay XXXX XXXX property taxes. I filed for a refund on XXXX XX/XX/XXXX and was therefore granted a refund of property taxes from tax years XXXX and XXXX. The XXXX taxes were refunded to me by my loan servicer ( Valon Mortgage ) prior to them being paid to XXXX XXXX in XXXX of XXXX. The XXXX XXXX of XXXX processed my refund for tax years XX/XX/XXXX and a check was sent to the escrow servicer for Valon Mortgage ( XXXX  ) by law on XXXX XXXX. According to XXXX XXXX, the check was cashed in the amount of {$7000.00} by XXXX but Valon does not know why the XXXX XXXX property tax refund has not posted to my escrow account. I have used online chat and called Valon and they have said someone is working on it but XXXX was responsible and not Valon.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: FL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
XX/XX/year> Jefferson Capital Systems , LLC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX RE : Cease and Desist Demand & Request for Deletion of Account No. XXXX * * from All Consumer Credit Reports * * To Whom It May Concern, This letter constitutes my formal request under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( c ) that you immediately cease and desist from all further communication with me concerning the alleged debt associated with Account No. XXXX * * * *. 

Furthermore, under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, I am formally disputing the accuracy and legitimacy of the referenced account and requesting its immediate removal from all consumer credit reporting agencies, including but not limited to XXXX XXXX XXXX XXXX. 

This account is not recognized as valid or verifiable, and any continued reporting of inaccurate, incomplete, or disputed information to consumer reporting agencies constitutes a direct violation of the FCRA. You are legally obligated to ensure that only accurate and fully substantiated information is reported. 

Let me be clear : I dispute the validity of the debt in its entirety ; I am demanding that you cease all communications with me ; I am requesting the permanent deletion of this account from all consumer credit reports. 

If you fail to comply, I will not hesitate to take appropriate legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XXXX  Attorney Generals Office. I also reserve the right to pursue civil damages under both the FDCPA and FCRA. 

Please confirm in writing that : You will no longer contact me in any form ; You have requested the deletion of this account from all credit bureaus ; All collection activity related to this account has ceased. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: IL

Complaint narrative:
In XXXX, a XXXX XXXX credit account was opened in my name without my authorization. I did not apply for or use this account. Despite this, I was held responsible for the balance and ultimately had to pay approximately {$500.00} after the account was closed in order to prevent further damage to my credit. 

This account was the result of identity theft and does not reflect any legitimate financial activity I engaged in. I have since filed an identity theft complaint with the Federal Trade Commission ( FTC ) and am actively disputing this with the credit reporting agencies. I am requesting that this account be permanently removed from my credit report by all credit reporting bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: IL

Complaint narrative:
In XXXX, a XXXX XXXX credit account was opened in my name without my authorization. I did not apply for or use this account. Despite this, I was held responsible for the balance and ultimately had to pay approximately {$500.00} after the account was closed in order to prevent further damage to my credit. 

This account was the result of identity theft and does not reflect any legitimate financial activity I engaged in. I have since filed an identity theft complaint with the Federal Trade Commission ( FTC ) and am actively disputing this with the credit reporting agencies. I am requesting that this account be permanently removed from my credit report by all credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year>, I was fraudulently induced into sending {$850.00} through XXXX, using my Bank of America debit card. I sent another {$700.00} on XX/XX/year> for the same promised service, which was never delivered. I filed a dispute with Bank of America on XX/XX/year>, and they issued a letter dated XX/XX/year> stating they submitted my claim to the merchant 's bank and were waiting for a decision. 

On XX/XX/year>, after the XXXX period ended, I contacted BofA. They stated they would now take up to XXXX days, but they did not provide any provisional credit, nor did they give proper explanation about my Regulation E rights. 

XXXX different BofA representatives gave conflicting explanations : XXXX said the amount was too large, another blamed it on being a third-party ( XXXX ), and a supervisor said their system determines Regulation XXXX eligibility, not actual legal standards. 

I have screenshots showing the XXXX payments and that XXXX later canceled the payments. 

Under XXXX XXXX XXXX ( m ) and CFPB guidance, fraudulently induced payments are considered unauthorized electronic fund transfers, and Regulation E applies. This includes my situation. Bank of America has failed to investigate my claim within XXXX  days or provide a provisional credit, which violates XXXX XXXX XXXXXXXX ( c ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I recently pulled up my XXXX XXXX XXXX XXXX report and your company is attempting to collect a debt.

Under 15 USC 1692cc : ( c ) Ceasing communication If aconsumernotifies adebtcollector in writing that theconsumerrefuses to pay adebtor that theconsumerwishes thedebtcollector to cease furthercommunicationwith theconsumer, thedebtcollector shall not communicate further with theconsumerwith respect to suchdebt, except ( 1 ) to advise theconsumerthat thedebtcollectors further efforts are being terminated ; ( 2 ) to notify theconsumerthat thedebtcollector orcreditormay invoke specified remedies which are ordinarily invoked by suchdebtcollector orcreditor ; or ( 3 ) where applicable, to notify theconsumerthat thedebtcollector orcreditorintends to invoke a specified remedy. If such notice from theconsumeris made by mail, notification shall be complete upon receipt. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see verifiable proof ( i.e : an original consumer contract with my signature on it ) that you have on file for the account listed below. Additionaly, send verifiable proof between your company and I in the consumer contract. 

If you can not show verifiable proof, under the Fair Credit Reporting Act you must delete this from my credit report. 

Or a Certification from the creditor that certified the accuracy and completeness of the information/account. Your failure to positively verify these accounts has hindered my ability to obtain credit.It has also damaged my mode of living, my character, and much more. 

Under the Fair Credit Reporting Act, unverifiable accounts must be DELETED and if you can not provide me a copy of verifiable proof, you must DELETE the account listed below. Im giving your company 10 days to respond to this matter. Failure to respond to this matter will result in legal actions pursued against your company. I demand that the following account be validated or DELETED immediately : Account Name : Transworld Systems Inc Account Number : XXXX Once the deletion is completed, update across credit bureuas and send a free copy of my credit report. 

Furthermore, you also reported inconsistent and inaccurate information on my consumer report. Once again, I, XXXX XXXX is giving your company, 10 days to respond to this matter. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I can never get my TransUnion credit report or score

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: GA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
Scams and Phishing : Fraudsters often use Cash App to trick individuals into sending money by impersonating Cash App support or other trusted entities. Social Engineering : Scammers often use emotional manipulation or fake offers ( like free money or rewards ) to convince users to send funds or share account details. Fake Cash App Links : Users might click on fake websites or links that appear to be official Cash App websites, leading to identity theft or malware. Peer-to-Peer Transactions : Because Cash App operates as a peer-to-peer payment system, once money is sent, it is difficult to reverse transactions, making it an attractive target for scams where the sender is deceived

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: DISCOVER BANK
State: NH

Complaint narrative:
Hello, my name is XXXX XXXX. On XX/XX/year> I received a notification that my XXXX student loans are now in default and my XXXX XXXX dropped from a XXXX to a XXXX. My XXXX credit report says that this is for a {$190.00} payment. 

I have the funds to pay this. I just never received any type of notification that this payment needed to be made. 

When I called XXXX they had an old address on file from when I was in school. So I have not been receiving any physical mail from them. 

They have my email on file. However I checked and have not received any recent emails requesting any type of payments. The rep over the phone said in my agreement it is my job to update this info which understandable. 

But in my emails I do not have anything from XXXX. so I feel like they should have sent me something. They said my XXXX XXXX can not be fixed either.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year> I deposited a XXXX Treasury check. 

On XX/XX/year>, I was notified the check cleared. 

On XX/XX/year>, I received a message that there would be a hold for TEN days on a XXXX Treasury check. 

This is a Social Security payment. My sons father was killed due to a crime and until my child graduates high-school, I receive {$1000.00} a month. Ive deposited this same check for 18 months. This is the last check I will receive as my child is graduating this month. 

I called Social Security and they claimed this was illegal as the bank has to deposit XXXX Treasury checks the following day. 

I called Wells Fargo and was conveniently disconnected during transfer. It takes 15 minutes to reach someone and Ive been hung up on twice. 

My Wells Fargo checking account is 20 years old and never been overdrawn.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT

Complaint narrative:
Trans union has refused to give me my credit report 7 times. Under U.S.C 1681 I am entitled to obtain true and correct information on my credit reports. Trans union is in violation of the law and has refused to give me my credit report because there are 2 names on my account. I have given trans union, Equifax, and Experian my copies of my birth certificate, social security card, Drivers license and my court documents from the XXXXXXXX XXXX XXXX XXXXt out of Montana.

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