vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
LEGAL DEPARTMENT To whom it May Concern ACCOUNT NAME : CBE GROUP ACCOUNT NUMBER : XXXX Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the Fair Debt Collection Practice Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that your office has or continue to report invalidated information to any of the three major credit bureaus ( XXXX XXXX XXXX ), this action might constitute fraud under both Federal and State laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 

CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : 1. Agreement with your client that grants you the authority to collect on this alleged debt.

2. Original agreement that bears the original signature of the alleged debtor where in he/she agreed to pay the creditor.

3. Any insurance claims have been made by any creditor regarding this account.

4. Any Judgements obtained by any creditor regarding this account.

5. Name and address of alleged debtor.

6. Alleged account number.

7. Address on file for alleged debtor.

8. Amount of alleged debt.

9. Date this alleged debt became payable.

10. Date of original charge off or delinquency.

11. Verification that this debt was assigned or sold to creditor.

12. Complete accounting of alleged debt.

13. Commission for debt collectors if collection efforts are successful.

14 Proof of license to collect Debts in the state of Florida which you must be licensed. 

Please provide the name and address of the bonding agent for CBE GROUP in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 business days for processing after I receive this information back

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/year>, I submitted a written request to XXXX under Section 609 ( e ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681g ( e ), requesting copies of business records related to fraudulent activity conducted using my identity. 

On XX/XX/year>, I received a written response from XXXX denying my request. They claimed I was not entitled to receive such records, even though I provided documentation consistent with FCRA requirements as a victim of identity theft. 

This refusal violates my rights under FCRA 609 ( e ), which requires companies to provide victims of identity theft with relevant business records within 30 days of a proper request. 

I respectfully request that the CFPB take action to ensure XXXX complies with the law and provides the requested records so I can investigate and resolve the identity theft committed in my name.

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 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Multiple student loan accounts from Nelnet/Dept of Education are reporting severely delinquent payment histories on my credit report, including multiple XXXX late entries from XXXX. I have disputed these accounts in the past and also sent a written request for validation and correction to Nelnet at XXXX XXXX XXXX, XXXX, XXXX. 

Despite my repeated attempts, the company has failed to verify the accuracy of the late payments or provide documentation showing I was properly notified of these defaults. These accounts are still reporting negatively, and no resolution has been made. Some of these loans have even been in a paused status due to federal protections. 

This continued negative reporting without verification is a violation of the FCRA. I request that the delinquent history be removed or updated to reflect current protections and that Nelnet provide all required documentation validating these late entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I had a checking and or a savings account with PNC over a decade ago. I have a " check card '' that expired on XX/XX/XXXX. 

I called PNC with my SSN and the 16 digit credential on the " check card '' on XX/XX/XXXX and spoke to an associate who did not answer my question, provided misleading information and denied my right to speak to a supervisor when requested. The reason for my call was to check if I have any balance in my account. 

The agent said even though I have a " check card '', I never had a account with PNC. 

PNC needs to provide me with the below information immediately : Balance amount on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: CA

Complaint narrative:
please remove this account I do not know where this came from and was a result to identity theft and a fraudulent account. 

XXXX Account Number : 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 2025-06-08 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: AZ

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report please remove these accounts they are hurting my ability to obtain credit.

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 2025-06-08 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: GA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. According to 15 usc 1681 I have the to dispute inaccurate and unverified information on my credit report. I disputed multiple times with the credit bureaus and the company failed to send me any of the information I requested. Also no verification of debt, the original contract bearing my signature and or explanation of the amount and how it was calculated.

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 2025-06-08 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:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. According to 15 usc 1681 I have the to dispute inaccurate and unverified information on my credit report. I disputed multiple times with the credit bureaus and the company failed to send me any of the information I requested. Also no verification of debt, the original contract bearing my signature and or explanation of the amount and how it was calculated.

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 2025-06-08 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I didnt give these company permission to run my credit I would like it to remove from my credit report please

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: NC

Complaint narrative:
XXXX i noticed a fraudulent hard inquire on my report from XXXX XXXXXXXX that I never authorized this inquiry I need it remove from my credit report action I took was I call the company but they always some how disconnected the line so I appreciate if you can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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:
My identity was compromise a while ago, My wallet was stolen our of my car and glove compartment was broken into. In XXXX of this year I noticed on my credit report accounts I did not authorize. I contacted the police department and was advised to make a formal complaint and File a FTC report and send to the credit agencies -Midland XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I am reaching out to express my concerns about how Zelle handles disputes, especially after the recent CFPB lawsuit that pointed out critical issues with the platform. Despite having used Zelle multiple times and raising concerns about certain transactions, my bank and Zelle did not properly investigate my claims. They told me that it was impossible to recover lost funds and that tracking these transactions couldn't be done. According to the CFPB 's findings, it seems that Zelle not only failed to protect users but also let repeat offenders misuse the system, making users susceptible to scams. The system 's lack of accountability and transparency is deeply troubling and poses serious questions about consumer security.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , Equifax, Experian block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX on XXXX, XXXX under the account number ( XXXX ) with a balance of {$3500.00}, personal credit card/ debt collection account opened at XXXX XXXX XXXX XXXX on XXXX under the account number ( XXXX ) with a balance of {$630.00}, a personal credit card account opened at XXXX card on XXXX under the account number ( XXXX ), with a balance of {$2400.00}, personal credit card/ debt collection opened at XXXXXXXX XXXX on XXXX under the account number ( XXXX ) with a balance of {$900.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported.The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , Equifax, Experian block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX on XXXX, XXXX under the account number ( XXXX ) with a balance of {$3500.00}, personal credit card/ debt collection account opened at XXXX XXXX XXXX XXXX on XXXX under the account number ( XXXX ) with a balance of {$630.00}, a personal credit card account opened at XXXX card on XXXX under the account number ( XXXX ), with a balance of {$2400.00}, personal credit card/ debt collection opened at XXXXXXXX XXXX on XXXX under the account number ( XXXX ) with a balance of {$900.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported.The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-06-08 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: NV

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: NV

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. Thank you.

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 2025-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX ACCOUNT, is fraud! Im not responsible for that account. I have no idea about that account! Its fraud, its been already deleted- removed from my credit report! But not its back on my TransUnion report! Somehow.

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 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My credit report lists multiple addresses that I have never lived at and are not tied to my verified identity. I sent a formal dispute requesting that these outdated and inaccurate addresses be deleted. Despite this, they remain on file. 
Reporting unverifiable personal information is a violation of FCRA 1681e ( b ), which requires consumer data to be accurate and relevant. Keeping old or incorrect addresses in my file increases the risk of misreporting and identity confusion.

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 2025-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
Dear Consumer Financial Protection Bureau Representative, I am writing to formally dispute the validity of a debt that has been claimed under the above-referenced case number. 

In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, I am requesting full validation of the alleged debt. Specifically, I am requesting the following documentation be provided : A copy of the original contract or agreement between myself and the original creditor that clearly establishes a legally binding obligation to repay the alleged debt. 
A detailed itemization of the debt, including the full account number, original balance, accrued interest or fees, and a breakdown of how the current balance was calculated. 
A copy of the purchase agreement or assignment documentation that shows the debt collector lawfully acquired the debt, including a full chain of title from the original creditor to the current collector. 
A written agreement signed by me that authorizes the alleged debt collector to collect on this account and confirms my agreement to pay them directly. 
Any additional information necessary to substantiate the validity and legal enforceability of the debt. 
Without this documentation, I do not acknowledge or accept the validity of this debt. Until proper validation is received, I request that all collection activity be suspended, including any credit reporting, in compliance with federal law. 

Please confirm in writing that this dispute has been received and that the collector has been notified of my request for debt validation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/year>, I submitted a written request to USAA under XXXXection 609 ( e ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681g ( e ), requesting copies of business records related to fraudulent activity conducted using my identity. 

On XX/XX/year>, I received a written response from USAA denying my request. They claimed I was not entitled to receive such records, even though I provided documentation consistent with FCRA requirements as a victim of identity theft. 

This refusal violates my rights under FCRA 609 ( e ), which requires companies to provide victims of identity theft with relevant business records within 30 days of a proper request.

I respectfully request that the CFPB take action to ensure USAA complies with the law and provides the requested records so I can investigate and resolve the identity theft committed in my name.

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 2025-06-08 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: AZ

Complaint narrative:
matter...

Lastly, you have 30 days to complete this investigation, as per Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation