vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am formally disputing the accuracy and validity of the charge-off account reported by your company and listed on my credit file. This account is being reported in a manner that violates the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my credit standing. 

Upon reviewing my credit reports, I have found inaccuracies and incomplete information regarding this alleged account, including but not limited to : Dates of first delinquency and charge-off are inconsistent.

The balance, past due amount, and status are not accurately reported.

The account does not reflect complete and verifiable records of the debt.

Under FCRA 609 ( a ) and FCRA 611, I am requesting the following : 1. Full validation and documentation proving this account was lawfully established and charged off.

2. Copies of the original signed contract or agreement bearing my signature.

3. A detailed payment history, including how the balance and charge-off status were calculated.

If you can not provide complete and verifiable documentation within the legally required time frame, I demand that this account be deleted immediately from all credit reporting agencies as required by the FCRA.

Please note that continuing to report unverifiable or inaccurate information is a direct violation of federal law. I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General if necessary. 

I expect your investigation and response within the required 30 days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-10-01 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX XXXX  TransUnion credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-01 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: MS

Complaint narrative:
I checked my credit and found that there were several fraudulent accounts on my profile which I did not open or authorize. I HAVE NOT benefitted in any way form or fashion from these accounts. I have called the bureaus and sent certified letters to the bureaus and creditors and I have gotten NO RESULTS. I have also complained to the FTC and the CPFB in order that they might assist me as I have been financially harmed because of the willful negligence of the FCRA laws by the bureaus and the creditors. The bureaus seem to be running sham investigations and leaving me on hold for hours at a time.

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 2025-10-01 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: MS

Complaint narrative:
I checked my credit and found that there were several fraudulent accounts on my profile which I did not open or authorize. I HAVE NOT benefitted in any way form or fashion from these accounts. I have called the bureaus and sent certified letters to the bureaus and creditors and I have gotten NO RESULTS. I have also complained to the FTC and the CPFB in order that they might assist me as I have been financially harmed because of the willful negligence of the FCRA laws by the bureaus and the creditors. The bureaus seem to be running sham investigations and leaving me on hold for hours at a time.

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 2025-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
I received a message from chime that I had a balance of {$450.00} due XX/XX/XXXX and I didn't know what it was for because I had never seen that. I'm going to be charged for borrowing money that I'm paying right back or the instant transfer of money for {$2.00}. so I realized after looking at all this and calling and having to speak with AI I had asked AI why was I being charged the money and is it something I have to pay back or is this what and it just kept going over that it was things that I bought and it's like well why would it constantly tell me that I owe this money by this date to I'm confused nowhere on the contract anywhere did I ever see and nobody at any point said anything to me about almost 30 % charge that they're charging me for this. but at no time anywhere did I ever see any information about the fee. I get XXXX a month I'm on Social Security and I don't need to have a an account where it charges me like that a fee for percentage when I was told it was going to be completely free and that this was a good one to go with for Social Security people I am learning now that I owe {$450.00} by XX/XX/XXXX and I don't have the money because I only get paid once a month and after bills and my prescriptions and not even groceries I'm broke I can't pay this and I had no idea that 30 % charge was going to be added to that that's insane! and I was not told about this when I spoke to the representatives not no one told me about this when I asked the questions. they just kept going over it was my spending do you want to go over what you spent I was like no we've done that already I just need to know why am I being charged this and they never ever would tell me so I started asking questions through the internet and that's how I found out now. I'm upset I'm nervous and scared I can't afford to pay it and now I have to transfer my social security check out of there into another mobile app hopefully I can find one that won't charge me that much money for transferring my money or if I have to borrow some money. I immediately pay it back. and it shouldn't be a almost 30 % because they got their funds secured with my money. please help I don't know what to do I'm at the end of my wits I'm 68 this month on Social Security like I said {$940.00} a month that's all I get and I was not notified or informed of any of this 30 % charge no where did I see that anywhere please let me know we can do or what can I do to clarify and get this fixed. I can't afford it. thank you so much at all if you can help XXXX less thing time and anybody else that has these mobile apps need to put that very clear and in bold letters that if you have to borrow the money or whatever that they say is here for you to use that they should tell you that comes with a 30 % charge I bet people would not do it as often if they were in situations like mine thank you for any help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: MA

Complaint narrative:
Dear NRA XXXX XXXX XXXX XXXX : I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt. 
Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : * Original Credit Agreement ( the contract I allegedly signed, if applicable ) * Full Itemized Statement ( showing how the balance was calculated ) * Forward Flow Agreement ( proving debt transfer from original creditor ) * Chain of Title / Assignment Documents ( showing legal transfer of ownership ) * Complete Payment History Records ( verifying payments or delinquencies ) * Validation Notice ( per FDCPA 1692g ) * Notice of Default / Intent to Collect ( as required by law ) * Proof of Statute of Limitations ( confirming debt is legally collectible ) * Credit Reporting Agreement ( authorizing reporting to bureaus ) * Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable.

Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including Cushman v. Trans Union, Dennis v. BEH-1, Clark v. Capital Credit, and Greco v. Trauner confirm that unverifiable or misleading data can not lawfully remain on a consumers credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Opportunity Financial, LLC
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX  TX XXXXXXXX XXXXXX/XX/year> OPP Loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Amount Claimed Owed : {$1900.00} Dear Sir / Madam : I am writing regarding the above-referenced account. I request that you validate and verify this debt as provided under federal law ( 15 U.S.C. 1692g and Regulation F / 12 C.F.R. 1006.34 ).

Please provide me, in writing, with the following : Proof that I am legally obligated to pay this debt ( such as a contract, agreement, or assignment ).

The name and address of the original creditor.

An itemization of the debt showing the balance, principal, interest, fees, payments, credits, and charges, from the itemization date through today. 

The date the debt was incurred/ the last transaction date and charge-off date ( or whichever itemization date you are using ).

The account number ( or partial number ) associated with this debt.

Verification that your agency is legally authorized to collect on this debt in my state, including your license number ( if applicable ).

Copies of documentation showing that you own or have a right to collect the debt ( for example, assignment papers ).

Any judgment, if applicable, and date of judgment.

Evidence of your chain of custody of the debt ( i.e. how the debt was transferred or sold ).

While you provide this information, you must cease all collection efforts on this account ( including calls, letters, reporting to credit bureaus or legal action ) until you have provided sufficient verification.

If you can not verify this debt, you must delete or discontinue attempts to collect it, and notify any credit reporting agency to which you reported this debt that it is invalid/ inaccurate.

Also please send me a written statement confirming that you have ceased collection efforts until you provide proper verification, and that you will not report this debt to any consumer reporting agency until verification is completed.

Please respond within 30 days from receipt of this letter.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: CCS Financial Services, Inc.
State: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Kansas XXXX XXXX XXXXXXXX Date : XX/XX/year> To : XXXX CREDIT COLLECTION SERVICES XXXX XXXX XXXX XXXX, MA XXXX XXXX Subject : Debt Validation Request and Cease and Desist Notification To Whom It May Concern : I am writing in response to a debt collection notice I received from your company regarding the alleged debt with account/reference number : XXXX. This letter is being sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g and 1692c ( c ).

1. Debt Validation Request I do not acknowledge or accept any responsibility for this alleged debt and request that you provide proper validation of the debt, including : The name and address of the original creditor ; The amount of the alleged debt, including an itemized breakdown of all fees, interest, and charges ; Proof that I am legally obligated to pay the debt ( e.g., a signed contract or agreement ) ; Verification that your agency is authorized to collect this debt ; The date of default and when this debt was charged off ( if applicable ) ; A copy of the last billing statement from the original creditor. 


Until you provide the requested documentation, you must cease all collection efforts, including calls, letters, reporting to credit bureaus, or legal actions.

2. Cease and Desist Pursuant to 15 U.S.C. 1692c ( c ), I hereby demand that you cease and desist from all communication with me, except to provide the debt validation documentation as required by law or to notify me of specific legal action you intend to take.

If you continue to contact me or attempt to collect on this debt without providing validation, you will be in violation of the FDCPA, and I will not hesitate to report your actions to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state Attorney Generals office.

Please note that any further communication must be in writing only and sent to the mailing address provided above. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I reported to the bank numerous times about unauthorized transactions. First time I submitted the complaint it was denied in less than 48 hours. When I resubmitted new info with a police report it was denied again but it took a month to get a response. When I called the bank and asked why it was denied the couldn't elaborate as to why. So I requested the info and the only sent me my banking statement as to the reason why it was denied

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: FL

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX RE : CEASE AND DESIST DEMAND To Whom It May Concern, This letter is to formally demand that Hunter Warfield Inc immediately cease and desist from all further contact with me regarding any alleged debt. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( c ), which provides that once a written request is made to cease communication, a debt collector must stop all contact except to notify me of specific legal actions being taken. 

I consider your repeated communications to be harassment and a violation of my rights. Should you continue to contact me after receipt of this notice, I will not hesitate to report your conduct to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. I may also pursue legal remedies, including statutory damages.

This notice applies to all forms of communication, including but not limited to phone calls, letters, emails, or any other contact attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax 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 Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1800.00} 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, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: TX

Complaint narrative:
The record in question does not align with my payment history and appears to be mistaken. I request its correction following investigation.

Company response to consumer: Closed with non-monetary relief