vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> FAIR COLLECTIONS AND OUTSOURCI XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Debt Validation under FDCPA To Whom It May Concern, I am writing to request validation of a debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of any alleged debt. Please provide the following : XXXX. The original creditors name and address XXXX. A breakdown of the amount owed ( principal, interest, fees ) XXXX. A copy of the signed agreement or contract XXXX. Proof that you are authorized to collect this debt XXXX. A copy of the last payment made on the account ( if any ) Until this information is provided, you must cease all collection activities and stop reporting this debt to credit bureaus. If you can not provide the requested validation, please remove the listing from my credit report. 

This letter is not a refusal to pay, but a request for validation pursuant to my rights. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: TX

Complaint narrative:
SEE ATTACHMENTS! for inaccurate credit reporting, improper use of consumer credit reports, and affidavits for misuse of consumer report, along with FTC report for identity theft. fraudulent, inaccurate, and unverified accounts being reported on my consumer credit file. These items are in direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Uniform Commercial Code ( UCC ), the Truth in Lending Act ( TILA ), Texas Finance Code, and CFPB enforcement regulations. I am serving formal legal notice and demand that you immediately investigate and permanently DELETE all disputed items listed below and update consumer credit file within XXXX  days of receiving this notice. Notices sent to Experian XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Equifax Information Services LLC XXXX. XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX, and TransUnion XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX. XXXX. No reinsertion without compliance with FCRA 1681i ( a ) ( 5 ) ( B )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
i was being charged {$20.00} a month for debt protection that i did not approve or sign up for

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 2025-08-27 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: CA

Complaint narrative:
I am not liable for the debt with XXXX XXXX I do not have a contract with 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 non-monetary relief
Consumer complaint received 2025-08-27 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:
I am not liable for the debt with XXXX XXXX I do not have a contract with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC
State: MA

Complaint narrative:
Dear CFPB Team, I am filing a complaint regarding Indigo/XXXX  XXXX XXXX concerning an unauthorized credit card account and improper billing. 

I recently completed a pre-approval check with Indigo but never submitted a full application or requested that an account be opened. Shortly afterward, I unexpectedly received a credit card in the mail with instructions to activate it. Since I never applied for this card, I believed it to be a scam and immediately shredded it without activating. 

Today, I received a billing statement from Indigo mailed to my old address and using my old last name ( I changed my last name last XXXX ) requiring me to pay an annual fee and credit protection fee totaling {$250.00}. This is highly concerning, as : I never applied for or authorized this account. 

I never activated or used the card. 

I only completed a pre-approval check, which should not result in an open account or charges. 

This situation appears to be either a serious error or potential fraudulent activity. I am requesting the CFPBs assistance in ensuring : Indigo/XXXX immediately closes this unauthorized account. 
Investigate how this account was opened without my authorization, especially with outdated personal information. 

All associated charges and fees are removed. 

No negative impact is made on my credit history or credit score. 

Written confirmation is provided that I am not responsible for this account or any fees. 

I am very concerned about the potential damage to my credit history and the stress caused by this improper billing.For your records, please note that I would also like filing a formal complaint with my states Attorney Generals office to ensure this issue is resolved. 

Thank you for your assistance in resolving this matter. 
Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am disputing a fraudulent account that has been inaccurately reported under my credit history. I never authorized, opened, or used this account. Its reporting is entirely false and unfairly impacting my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
XXXX I submitted a mobile check deposit on my CitiBank checking account. Not even XXXX minutes later I realized I had submitted it to the wrong bank. I immediately went to my CitiBank app on my phone and messaged them to let them know I had made a mistake and to make a stop on the check. No response. 

XXXX My checking account got closed out of nowhere, no notification or anything, the only reason I found out it got cloaked was because I was trying to buy my son school clothes and it kept getting denied. So I called Citibank and thats when I was told.

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 2025-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAmerican Express Executive Customer RelationsXXXXAmerican Express CompanyXXXX XXXX XXXX XXXX XXXX XXXX  Subject: Request for Immediate Review and Reinstatement of Personal Platinum CardDear Executive Customer RelationsXXXXI am writing to formally escalate an issue that I have been unable to resolve through regular customer service channels, despite multiple calls and significant time spent on hold and transfersXXXXI have been a loyal American Express cardmember for over XXXX  XXXX, maintaining a long and positive history with my Platinum Card. Recently, my personal Platinum account was cancelled solely because of an unrelated issue tied to a business card account. That business account matter has since been fully resolved, yet my personal account remains cancelled.\nTo make matters worse, when I applied for a new Platinum Card, my application was denied on the basis that my prior personal account had been cancelled. This reasoning is circular and fundamentally unfair: my spotless XXXX  personal history with American Express is being disregarded due to an issue that no longer exists.\nI am requesting:\n1.\tImmediate reinstatement of my personal Platinum account, or\n2.\tApproval of my new Platinum application, based on my decades-long history as a valued cardmember.\n3.\tAmerican Express has long emphasized its commitment to customer loyalty and premium service. Unfortunately, my recent experiencespending over an hour being transferred between departments with no resolutiondoes not reflect that standard.\nI trust that this matter can be corrected quickly. I would appreciate written confirmation that my standing with American Express has been restored.XXXXThank you for your prompt attention to this matter.\nSincerelyXXXX XXXX  American Express Cardmember'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One is charging me for something I don't know anything about.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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:
I have previously disputed XX/XX/XXXXregarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-08-27 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: CA

Complaint narrative:
I have previously disputed XX/XX/XXXXregarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-08-27 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:
These accounts were opened without my consent and should be removed per USC 1681g. I expect resolution within 15 days. Documentation is enclosed.

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 2025-08-27 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: GA

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Between XXXX XXXX XXXX Someone applied for a credit card in my name and I have never applied for a credit card and I have never had a credit card in my life

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: HI

Complaint narrative:
I am writing to formally dispute several inquiries listed on my credit report that I did not authorize. Upon reviewing my credit file, I noticed multiple inquiries from companies with whom I have never applied for credit or given permission to access my report. 
I have submitted dispute requests and provided documentation to support my claim, but the inquiries remain on my file without resolution. These unauthorized inquiries negatively impact my credit score and raise concerns about potential identity misuse or reporting errors. Despite my follow-ups, the issue has not been appropriately addressed. 
As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to dispute any information on my credit report that I believe to be inaccurate or fraudulent. I am requesting that a full investigation be conducted to determine the origin and legitimacy of these inquiries.

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 2025-08-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Aqua Finance, Inc.
State: KY

Complaint narrative:
Dealers made false or misleading claims about the financing terms for water filtering and softening products. Dealers used high-pressure tactics, targeting a family with a newborn child, to get them to sign complicated financial documents they didn't fully understand. were unknowingly locked into very high-interest, long-term loans. As a result, they ended up paying thousands more than expected, with a disproportionate amount of their monthly payments going to interest instead of the principal. There was a lawsuit against XXXX XXXX for this and they were suppose to relieve the debt owed which they did not do. The FTC claimed that XXXX 's negative credit reporting harmed consumers ' credit ratings. The financing terms also prevented some homeowners from selling or refinancing their homes. I want the debt forgiveness that was suppose to be provided for harassing customers and my family into getting something we did not need or want. They played on us having a newborn baby.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Amscot Corporation
State: FL

Complaint narrative:
XXXX contacted a XXXX at my job and told them all of the details of my debt. There was a mistake and misunderstanding but before I could call amscot back they defamed my character to my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act ( FCRA ), I5 U.S.C. 1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information ( 15 U.S.C.le ( b ) ) and conduct a reasonable investigation of disputes raised by consumers ( 15 U.S.C. 1681 ). The accounts in question, listed below, contain incorrect information that I have repeatedly disputed : COLLECTION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. XXXX XXXX XXXX. 
XXXX ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX 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 : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$14000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I deposited a check from my XXXX for home XXXX to my home ; the bank Wells Fargo sent me an e-mail stating that the funds would be available XXXX, that a small amount would be available today XXXX, but that the full amount XXXX on XXXX, so I check my account, and the voice recording states that now my funds won't be available until XXXX, when I questioned Wells Fargo, they stated the issuer has had return checks so they are holding it longer, and sending it on collections, they told me to call my plan administrator, so I did, they called the bank on a 3 way and the bank stated the funds have been sent to Wells already, they have the funds and to call Wells Fargo back, so I call wells Fargo back and they state. they are so sorry nothing they can do ; sorry I feel the way I feel etc. they are holding on to my money, they are earning interest on my money for the extended amount of time, they stated they were going to charge an overdraft fee when they have my money, and it's in my account and they cashed the check and have received the funds then going to charge me for overdraft, really, they were rude and how many customers do they do this to, as soon as they release my money I am closing my account, and never doing business with them again, thry must earn millions using other peoples money.

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 2025-08-27 00:00:00
Product: Debt collection — Auto 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 formally disputing a fraudulent account that has been reported under my credit profile. I never authorized, opened, or used this account, and its reporting is completely inaccurate. Its presence is unfairly harming my creditworthiness and misrepresenting my financial history.

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