vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Wilber and Associates, P.C.
State: MN

Complaint narrative:
On XX/XX/XXXX I was contacted by Wilber group regarding an alleged debt of {$4600.00}. During the call the representative I spoke with falsely identified the agency as a law firm and further threatened to suspend my license and my XXXX  XXXX XXXX if I didnt agree to pay the alleged debt after I asked to receive documentation in writing regarding the alleged balance and what it entails. 

The alleged debt stems from an incident on XX/XX/XXXX involving my daughter who took my vehicle without permission while I was asleep and struck a parked vehicle. The police report clearly states I didnt give her permission and restitution of {$1000.00} was already paid in full by my daughter as part of a court settlement. 

My vehicle only had comprehensive coverage with XXXX auto insurance and no liability coverage so my insurer denied the claim. At no point in time did I receive any forms of communication from the other partys insurer, XXXX XXXX XXXX regarding any outstanding claim. 

I requested validation of the debt and sent multiple certified letters ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) disputing the debt and invoking my rights under the FDCPA including a cease and desist request. I also provided copies of the police report and cited MN XXXX. XXXX subdivision XXXX which supports that XXXX not liable for the actions of my minor childs under these circumstances. 

Despite these efforts I received multiple phone calls on XX/XX/XXXX ( after my cease and desist letter ) from Wilber group again pressuring me to make a lump sum payment or set up a payment plan- this is in direct violation of the FDCPA. 

I believe Wilber group had violated several provisions of the FDCPA including : 1692e ( 3 ) : false representation of a legal status 1692e ( 5 ) : threats of illegal action 1692c ( c ) : contact after cease and desist 1692g ( b ) : failure to validate debt I respectfully request that this matter be investigated. XXXX also filing complaints with the FTC, MN Attorney XXXX XXXX, and the XXXX major credit bureaus if this debt appears on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: CA

Complaint narrative:
When I went and disputed fraudulent accounts on my credit report, I never got a proper investigation. These accounts are negatively impacting me by still being on my report. The only thing that I received was a letter stating that I didn't provide enough information for them to do an investigation. I will upload everything that I sent to all three credit bureaus. The fraudulent accounts are : XXXX ( {$0.00} ), XXXX  ( {$800.00} ), XXXX XXXX ( {$800.00} ), INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The credit bureaus violate 15 USC 1681i and 15 USC 1681 ( e ) ( b ) by not looking into my dispute and investigating like they should.

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 2025-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: CA

Complaint narrative:
There is an entry on my credit report by Jefferson Capital Systems , LLC dated XX/XX/year>, reporting a debt of {$8400.00}. This account does not include a valid account number or sufficient identifying details. 
I have never received a written validation notice for this debt from Jefferson Capital, as required under the Fair Debt Collection Practices Act ( FDCPA ). I also did not authorize the sharing or sale of any personal account information to Jefferson Capital.

As of today, Jefferson Capital has failed to provide any proof or documentation that this debt is valid or that I am legally obligated to pay it. This is a potential violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ), especially if inaccurate or unverified information is being reported to the credit bureaus.

I am requesting the following actions : 1. Immediate removal of this account from my credit reports unless Jefferson Capital can provide : A copy of the original signed contract or other proof of obligation The name of the origi
nal creditor A complete payment history and accounting of the amount claimed Proof of assignment or legal ownership of the debt ( chain of title ) 2. Cessation of all collection activities until full and proper debt validation is provided.

3. Written confirmation of : The suspension or cessation of collection efforts How Jefferson Capital obtained my information and the legal basis for reporting it That no further reporting or collection action will occur without proper validation If Jefferson Capital can not validate the debt, I request the permanent deletion of this entry from all credit reporting agencies and written confirmation of the removal.

Should Jefferson Capital fail to comply with federal law, I will pursue all available remedies, including complaints with : The Consumer Financial Protection Bureau ( CFPB ) ( this filing ) The Federal Trade Commission ( FTC ) My State Attorney General 's Office And, if necessary, legal action for violations of the FDCPA and FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: TX

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, BBB, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 

Fraudulent Accounts and Inquiries ( Previously Disputed ) : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MT

Complaint narrative:
I am filing this complaint against Trans World Systems for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ). 
Sometime during XXXX Trans World Systems reported a collection account for XXXX XXXX onto my credit report. I have no knowledge of this debt, and I immediately exercised my right to dispute the claim and request validation of the debt under 15 U.S.C. 1692g of the FDCPA. 
I sent a written request for debt validation on XX/XX/XXXX. Despite this, the company has not provided any verification or documentation to support their claim. They have continued their collection efforts, which constitutes a violation of the FDCPA. 
Their failure to respond to my lawful request for debt validation, while continuing to attempt to collect the debt, is not only improperit is unlawful. 
I am requesting that the CFPB take appropriate action to investigate and compel the company to either validate the debt or immediately cease all collection efforts and remove any negative reporting from my credit file within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: FL

Complaint narrative:
When I went and disputed fraudulent accounts on my credit report, I never got a proper investigation. These accounts are negatively impacting me by still being on my report. The only thing that I received was a letter stating that I didn't provide enough information for them to do an investigation. I will upload everything that I sent to all three credit bureaus. The fraudulent accounts are : 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 The credit bureaus violate 15 USC 1681i and 15 USC 1681 ( e ) ( b ) by not looking into my dispute and investigating like they should.

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 2025-09-28 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: TX

Complaint narrative:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

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 2025-09-28 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: GA

Complaint narrative:
According to 15c USC 168 I have the right to dispute inaccurate and unverifiable information thats in my credit report. I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. Please help me get these accounts removed immediately! Account name : XXXX  from dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2025-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
Please see the attached correspondence sent to RoundPoint Servicing. It appears that RoundPoint is trying to engineer another default using the SAME illegal playbook as they did last year in XX/XX/year>. The purpose of this complaint is to prevent and preempt any further gamesmanship on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Hello my name is XXXX XXXX and I have a complaint about my overdraft fees at fifth third bank. I have been banking with them since XX/XX/year> and I initially submitted XXXX dollars awarded to me by the social security administration. I thought I could trust this bank but they told me everything I needed to know about overdraft fees and I went on thinking everything was okay and then I started noticing them charging me on various amounts and various days for being just a few dollars overdrafted. They charged me 8 different times in 4 months until I had no money left and I went up to the bank to talk to them and they didn't inform me that I could turn off my overdraft until I only had {$100.00} left to my name. They charged me : XX/XX/year> {$74.00} XX/XX/year> {$37.00} XX/XX/year> another {$37.00} ( wasn't even a full 24 hours later I get hit with another overdraft fee ) XX/XX/year> {$37.00} XX/XX/year> {$110.00} ( called the bank to ask why it was so high they had nothing to tell me and couldn't give me money back ) XX/XX/XXXX {$74.00} XX/XX/XXXX {$37.00} XX/XX/XXXX {$35.00}. 
As I said before I went to the bank with {$100.00} left to my name and they told me FIBALLY adter months that they could turn my overdraft off when I had nothing left. I feel robbed and used and I would like to recieve every bit of my money back. I am with XXXX  now and I'm having nowhere near the same issues. Please help me. I don't know what to do or where else to turn. They just completely took advantage of the fact that I had XXXX dollars in my account and I don't want them to feel like they got away with free money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have claims that is being disputed with Bank of America. I always send my proof and Bank of America isnt protecting my money and they supposedly be regulated by FDIC. This is the most horrible bank I have ever dealt with. Claim number : XXXX and claim number : XXXX is from the same merchant and my orders was supposed to be combined and sent together and Im yet to get these orders. The merchant can be reached by whats app and now the seller has totally ignored me. Im on a fix income and cant afford to loose my money to nothing I havent gotten or received. Im starting to believe that Bank of America doesnt care about their customers if they arent rich or famous all I want is my money and again I have proof. I need these claims to be approved and afterwards if they want to block that merchant that would be ok with me I just need my money back. Also claim number : XXXX was denied and I sent in proof.and also claim number : XXXX as well. I need help getting this money back and if the bank doesnt want me to do business with these merchants again I wont do business Im starting to think Im being discriminated against. The bank know Im on a fix income because I get direct deposit from the social security administration the XXXX of each month I need real help. I have tried to give Bank of America a chance to fix these issues instead of hiring a lawyer because I honestly feel like Im discriminated against when I have sent proof and my claims was still denied.PLEASE HELP ME, also instead of having 50 different people working with my claims choose one person if you dont mind.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-28 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: CA

Complaint narrative:
I found an inaccurate negative item on my credit report. I contacted the credit reporting agency, received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ). Please remove this unverifiable item. 
XXXX XXXX XXXXXX/XX/XXXX ( Original Creditor : XXXX BANK ) XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX I'm not liable for this debt with XXXX Bank. I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original contract as requested. I am unable to find a XX/XX/XXXX profile for XXXX XXXX XXXX to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX To : XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Inaccurate/Unlawful Reporting under 15 U.S.C. 1681c-3 Dear Credit Reporting Agency , I am writing to formally dispute and demand the immediate blocking of certain information on my credit report pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-3, which provides that consumer reporting agencies must block the reporting of information that resulted from identity theft when notified by the consumer. 

Upon reviewing my three-bureau credit report dated XX/XX/XXXX ( Reference # XXXX ), I identified the following account ( s ) that must be investigated and blocked : JPMCB Card Services Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( varies per bureau ) Status : Derogatory / Charged-Off / Collection Balance Reported : {$1200.00} Last Reported : XX/XX/XXXX This account is the result of identity theft and is being inaccurately reported under my credit file. I did not open or authorize this account, nor am I legally responsible for it. 

Pursuant to 15 U.S.C. 1681c-3 ( a ), you are required to block this information from my credit file within four ( 4 ) business days of receiving this notice, along with my identity theft report. 

Enclosed are the following : A copy of my government-issued identification. 

A copy of a recent utility bill ( proof of address ). 

I request that you provide me with written confirmation once this information has been blocked and permanently removed from my credit file. Please also send me an updated copy of my corrected credit report. 

Failure to comply with this request will constitute a violation of the FCRA, and I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office, as well as pursue legal remedies. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc.
State: CA

Complaint narrative:
Complaint Summary : CarMax Auto Finance is furnishing contradictory and misleading information to the credit bureaus. On XX/XX/XXXXXXXX XXXX updated the XX/XX/XXXX status from 30 Days Late to Current, acknowledging an error. However, the account continues to be reported as a charge-off/derogatory with remarks profit and loss write-off and dispute resolved subscriber disagrees.

This mixed reporting is materially misleading under FCRA 623 ( a ) ( 1 ) ( A ), as it presents the account as both current and charged-off. My credit score dropped XXXX points following this inaccurate update. 

I am requesting the CFPB to investigate CarMax Auto Finances reporting practices and require deletion of this tradeline for failure to furnish accurate, consistent information. 

Attachments : XXXX XXXX screenshots of score drop ( XXXX XXXX  ) XXXX  dispute letter ( XX/XX/XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX warranty claim email showing valid account activity

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: AL

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX XXXX as well as debt collectors XXXX and XXXX XXXX XX/XX/XXXX and Transworld Systems Inc. My complaint is regarding a judgment placed against me in favor of XXXX for a private student loan that I borrowed from Bank XXXX XXXX in 2006. XXXX claimed they purchased the debt from Bank XXXX XXXX but failed to provide valid documentation to support that claim. Instead, they used invalid testimony and false affidavits from employees of Transworld Systems Inc. and other documents that failed to prove my loan specifically was included in the list of debts acquired by XXXX from Bank XXXX XXXX. In spite of their failure to show valid ownership of the debt a judgment was granted. A garnishment was placed on my wages but later dismissed after filing a claim of exemption due to low income. I am currently making payments in compliance with the judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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:
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 * * * * - XXXX - XX/XX/XXXX - {$15000.00} Inquiries XXXX XXXX XXXX  - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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