vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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: UT

Complaint narrative:
Transworld systems has still not provided proof I owe any debt. The XXXX XXXX XXXX XXXX requires them to show a full history of payments, how much money I owe, and a full breakdown of why I owe this money. The company provided supposed " bill '' with my name on it. I'm asking for a FULL REPORT of the bill, not just one page, I want a full breakdown of each payment and why I owe it. Also the " debt validation letter '' they sent me is required to notify me of my rights on how to deal with this debt which they did not. Another violation of the fair use credit act. Here is the LAW * * * * The validation notice, or debt validation letter, must contain specific information. This includes a statement identifying it as being from a debt collector, the name of the current creditor, and the amount of the debt, including any accrued interest or fees. The notice must also inform the consumer that the debt will be considered valid if not disputed within 30 days and explain how to dispute the debt or request verification. Additionally, it should inform the consumer of their right to request the name and address of the original creditor within the 30-day period. For debts related to consumer financial products or services, further details are required, such as the contact information for the debt collector and creditor, and an itemized breakdown of the debt amount. A tear-off dispute form with pre-written prompts for common disputes must also be included. Failing to provide this validation information within the mandated timeframe is a violation of the FDCPA, which consumers can report. Consumers have 30 days from receiving the notice to dispute the debt in writing and request verification or original creditor information. * * * * This company DID NOT give me this information and violated my rights, I'm attaching a link of what they sent me. Furthermore this debt collection agency has not signed a contract with me and has violated my rights by spam calling me, mailing me threatening statements about taking me to court, and harassing my family on my whereabouts in which they will testify if it gets to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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:
I was a victim of identity theft, and I am requesting that fraudulent information be removed from my credit report. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit bureaus are required to act swiftly and remove fraudulent accounts within 4 business days upon receipt of this request. Some of the disputed items are completely unknown to me, while others have been successfully removed by other credit bureaus, raising concerns regarding their accuracy and legitimacy. 
XXXX XXXX XXXX Account # XXXX Balance {$500.00} XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: PA

Complaint narrative:
This matter is causing me significant distress and disrupting my sleep. Given my consistent record of on-time payments, I respectfully request an immediate update to my account to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: CA

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} 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 2025-07-03 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my XXXX XXXX, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 ( XXXX XXXX Code XXXX ) 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 2025-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the debt you claim I owe and to point out multiple violations of consumer protection laws in your collection practices. I do not recognize any obligation to the following collection agencies : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Pursuant to 12 CFR 1006.34 ( b ) ( 5 ), I request full debt validation, including the original creditors name, account number, total alleged balance, and an itemized statement of all fees, charges, and interest. I also request a copy of the purchase agreement between your agency and the original creditor to substantiate your authority to collect this debt. A complaint has been filed with the Consumer Financial Protection Bureau regarding these concerns. 

Additionally, I hereby revoke permission for contact via phone, email, or text. All further communication must be in writing. Your failure to afford me a proper opportunity to dispute this debt, as required under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), is a violation of my rights. Your collection practices have been deceptive and lack required legal disclosures. Furthermore, it is unlawful for XXXX XXXX  to report this debt without providing the disclosures mandated by 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

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 2025-07-03 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: Experian Information Solutions Inc.
State: CA

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 explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This letter serves as a formal dispute of the debt you allege is owed and a notification of multiple violations of federal consumer protection statutes associated with your collection practices. I do not acknowledge any indebtedness to the following collection agencies : XXXX. XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Pursuant to 12 CFR 1006.34 ( b ) ( 5 ), I demand full validation of the alleged debt, including but not limited to the name of the original creditor, the corresponding account number, a comprehensive breakdown of the amount claimed, and a copy of the purchase agreement transferring the debt to your agency. I have simultaneously submitted a complaint to the Consumer Financial Protection Bureau.

Effective immediately, I revoke any and all consent to contact me by phone, text, or email. All communication must be conducted exclusively in writing. Your failure to comply with the dispute provisions under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), as well as your deceptive practices and failure to provide legally mandated disclosures, constitutes a violation of my rights. Moreover, the furnishing of data to credit reporting agencies by [ creditor_name ] without proper disclosures is unlawful per 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

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 2025-07-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
Good Morning, i trued to apply for a loan with this company net credit and was denied. They even sent me a denial confirmation and after some time goes back they sent me statement saying I owe {$2000.00}. Something I didnt receive.. I need some proof to show they actually gave me this money and show an approved payment loan document. I havent received any funds and I think someone used my information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: IL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ).

This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-07-03 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:
On XX/XX/year>, I used my credit card and accidentally booked XXXX XXXX XXXX XXXX for XXXX XXXX XXXX. I meant to book XXXX XXXX XXXX. I called the hotel immediately to cancel. The hotel said they will provide an updated booking for XXXX but they never did. They agreed to cancel but refused to refund. 

I called Chase bank and they initially issued a credit for {$460.00}. However, the hotel responded the transaction is non-refundable. Therefore, they rebilled me for that amount. I called XXXX but they did not agree to issue a full credit. 

The hotel did conduct an unethical business practice without showing any customer care. It was obviously a mistake when I submitted the booking. How could I book a hotel for the same day while I was in the XXXX and the hotel is in XXXX? 

I don't understand why Chase bank could not protect me from such an unethical hurt?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: NV

Complaint narrative:
* * Subject : * * Dispute of Inaccurate Late Payment Information and account status Request for Correction and if not verified [ deletion ] I am writing to formally dispute the accuracy of certain late payment entries and account status appearing on my credit report, which I obtained from your bureau. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information that I believe is inaccurate, incomplete, or outdated. 

The specific item ( s ) I am disputing are as follows : - * * Accounts Name : * * [ XXXX XXXX ] [ XXXX ] [ XXXX ] The reason for my dispute is that these late payment entries and account status are incorrect. 

According to the FCRA, your agency is required to investigate my dispute within 30 days of receipt of this letter. If the disputed information is found to be inaccurate or can not be verified, it must be corrected or removed from my credit report. 

Please conduct a thorough investigation and, upon completion, send me a written statement confirming the results of your investigation and a copy of my updated credit report reflecting any amendments made. 

Thank you for your prompt attention to this matter. 

XXXX XXXX - information is wrong that they reported on my report, account was closed by consumer and no late payments ever made XXXX XXXX  - information is wrong that they reported on my account. Account was closed by consumer and no late payments were made XXXX XXXX  - information is wrong that they reported on my account. Account was closed by consumer and no late payments were made

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 2025-07-03 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: MO

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX - XX/XX/XXXX - {$0.00} XXXX  XXXX - XX/XX/XXXX - {$0.00} XXXX  - XX/XX/XXXX - {$19.00} XXXXXXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  - XX/XX/XXXX - {$12.00} XXXX XXXX - XX/XX/XXXX - {$570.00} IXXXX XXXX XXXXXXXX - XX/XX/XXXX - {$210.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$720.00} XXXX XXXX XXXX - XX/XX/XXXX - {$4100.00} XXXX  XXXX - XX/XX/XXXX - {$530.00} XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$0.00} XXXX  - XX/XX/XXXX - {$31000.00} Inquiries 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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/year> I looked at my credit report, and I noticed some inaccuracies. 
I sent a letter to Experian asking them on XX/XX/year> to investigate these accounts : The account with XXXX XXXX XXXXthat starts with XXXX The account with XXXX XXXXthat starts with XXXX The account with XXXXthat starts with XXXX I sent it on this website " they sent me their investigation and said those accts are verified and accurate. And according to 15 USC 1681i ( 5 ) | see it states 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 credit bureaus did not reinvestigate and violated my right.

these account - The account with XXXX XXXX XXXXXXXXthat starts with XXXX The account with XXXX XXXXthat starts with XXXX The account with XXXX that starts with 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 2025-07-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On Friday XX/XX/year> I received a texts message from Wells Fargo bank did I authorize ( money ) to come out of my account XXXX texts no then I got on the phone with wells fargo fraud department and we started talking about the money and I was how could this happen. He told me that XXXX XXXX she is in XXXX XXXX TX and all this took place at wells fargo bank XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX opens a saving account under my bank account, and he said do you know her, and have I been out of town and I said know so they are investing and we close the bank account

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 2025-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: MA

Complaint narrative:
I have requested three times the collection agency verify this debt. The first time they just sent me copies of the billing statements from the original card account. The second time they sent me a letter stating they had " verified '' the debt and included the statements again. The third time they sent me the statements and several purchase agreements between themselves and a third party which was not the original creditor, and also one agreement that appears to be between themselves and .. themselves. No where is there any original agreement which I signed and in so far as the info they have sent me can pass for chain of custody, it is wildly incomplete. This has gone on for well over 30 days and it is my opinion that they have failed in their obligation to verify that they own and have the right to collect this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: KY

Complaint narrative:
Well the account is through chime there has been no activity done with account fraudulenty or anything negative just received another random email about policy changes and what not and I honestly havent even used account much the last few months so therefore I know nothing could have possibly been done wrong cause nothing was hardly done using account

Company response to consumer: Closed with explanation