vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 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: LEXISNEXIS
State: MN

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Date of Birth : XX/XX/XXXX. SSN : XXXX Subject : Request for Blocking and Deletion of Fraudulent Accounts Under 15 USC 1681c-2 ( a ) To Whom it May Concern, I am writing to formally request the blocking and deletion of all fraudulent accounts and inquiries associated with my credit report, as I am a victim of identity theft resulting from the XXXX  Data Breach . Pursuant to 15 USC 1681c-2 ( a ), I am entitled to have any fraudulent information blocked from my credit report. 


XXXX XXXX - Opened XX/XX/XXXX - Balance {$430.00} XXXX XXXX  XXXX XXXX - Opened XX/XX/XXXX - Balance {$620.00} XXXX  XXXX XXXX XXXX  - Opened XXXX - Balance {$270.00} XXXX - Opened XX/XX/XXXX - Balance {$14000.00} XXXX  - Opened XX/XX/XXXX - Balance {$1400.00} 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 


Please consider this letter my official notification. I request that you take the following actions immediately : 1. Block and delete any accounts, inquiries, or other information that were established or recorded as a result of identity theft.

2. Provide written confirmation that these fraudulent items have been blocked and deleted.

3. Ensure my credit report accurately reflects only legitimate accounts and inquiries.

Enclosed are the following documents to support my request : A copy of my government-issued ID ( e.g., drivers license ).

Proof of address ( e.g., utility bill ).

A signed affidavit of identity theft ( if required ) - And my Social Card.

As required by law, I expect these fraudulent items to be blocked within four business days of your receipt of this request, as outlined in 15 USC 1681c-2 ( a ) ( 2 ).

I trust that this matter will handle promptly and in compliance with federal law.

I thank you much for your immediate attention to this urgent matter. 


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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit is indicating an amount owed for XXXX XXXX as of XX/XX/XXXX. This information is incorrect. My initial delinquencyI am requesting the XXXX XXXX correct the status date that is being reported and accurately show my payment and or lack of payment history correctly. I was impacted in XXXX by XXXX ; therefore, the status they are reporting is very conflicting for future employers and creditors and not reflective of the loss of employment, which was experienced during Covid in XXXX date with XXXX  XXXX  XXXX was XXXX XXXX, I received an email from XXXX  XXXX confirming the delinquency and I was trying to include them in a debt consolidation in XX/XX/XXXX. 

I disputed the date with Midland Credit Management and XXXX  in XXXX, XXXX and Midland Credit updated the Date of First Delinquency to XX/XX/XXXX ; thereafter, XXXX  corrected it to XX/XX/XXXX. 

While Midland Credit Management initially corrected the date with XXXX, this year, Midland Credit erroneously updated the date back XX/XX/XXXX with XXXX. For the last 5 years, I have been disputing this ever changing date, which is significantly impacting my credit worthiness now over 7 years later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
In XX/XX/year>, JPMorgan Chase Bank ( Chase ) withdrew {$250000.00} from my business account with XXXX XXXX ( account ending in XXXX ) without any written or oral explanation. These funds were part of a {$750000.00} investment wire received in XX/XX/year> from a Chase customer, XXXX XXXX. The funds cleared, were verified by Chase as available, and we withdrew {$500000.00} for business expenses. About 34 weeks later, Chase froze and then closed our business and personal accounts, seizing the remaining balance of {$250000.00}. 

Despite repeated phone calls and formal letters requesting explanation or restitution, Chase failed to provide any written justification, denied all requests for information, and refused to return the fundsincluding my own {$610.00} originally in the account. These actions have destroyed XXXX XXXX 's operational cash flow, creditworthiness, and credibility. Chase also closed a linked Chase credit card ( JPMCB ), causing further damage to our credit.

I have written documentation, bank statements, account closure letters, and a detailed log of failed communications with Chase representatives, who repeatedly transferred me, disconnected calls, and refused to answer. This conduct appears to violate Arizona state law and federal regulations including UCC Article 4A, Regulation E/CC, and the Arizona Consumer Fraud Act.

I am requesting your offices assistance to compel Chase to return my {$250000.00} and hold them accountable for wrongful withholding and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: FL

Complaint narrative:
I am filing this complaint because my federal student loan servicer reported a XXXX and XXXX late payment for XXXX and XX/XX/year>, even though I was not properly informed about the transition out of the federal on-ramp period or my specific repayment due dates. 



I did not receive timely communication from my loan servicer and was not offered appropriate income-driven repayment ( IDR ) or forbearance options to prevent delinquency. I believe this is a failure in servicing communication and borrower support, which has resulted in negative credit reporting that could have been avoided. 



I request that the Consumer Financial Protection Bureau investigate this matter, and that the loan servicer be instructed to correct or remove this derogatory reporting if any communication failures or support breakdowns are confirmed. 



I am also requesting that the loan servicer provide documentation verifying that I was notified properly of repayment obligations after the expiration of the on-ramp period and was offered the appropriate assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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 have submitted a dispute in regards to this issue XXXX before and have gotten a response that everything has been cleared under my name. I have previously advised your office that I have not open or obtained an account, nonetheless, a credit with XXXX XXXX XXXXXXXX or any of the affiliates. I have confirmed and advised XXXX XXXX XXXXXXXX that I have not requested a credit card and that the address that the card was used to be open, is and was not my address of residency. I am not sure as to why and how this was done under my name and how XXXX XXXX XXXXXXXX approved a credit under my name, without doing any further review and confirmation. Given the fact that XXXX XXXX XXXXXXXX has the right to investigate and obtain all necessary information prior to approving any credits, XXXX XXXXXXXX XXXX has failed to uphold that duty and has caused my information to be used in a scam. Furthermore, XXXX XXXX XXXXXXXX must have gotten signatures along with other identifying information prior to opening an account under my name and failed to do so under the law and regulation of California along with the Federal laws that XXXX XXXX  XXXX must comply with prior to approving any credit card/lines to anyone. Pursuant to XXXX XXXX  XXXX 's online advertisement, BANK XXXX XXXX encourages people to use their online system to apply for a credit card and states that its the " quickest '' way to get approved. I did not get a card for approval nor did I get anything in the mail from XXXX XXXX XXXXXXXX stating that my information was used or attempted to be used in order to open an account. Thus, XXXX XXXX XXXXXXXX has failed its duty, under California consumer laws and regulations by properly requesting necessary information and documentation to approve a card under my name. Moreover, XXXX XXXX XXXX violated federal laws when it approved a card under my name to someone else and is exposed to selling and/or buying my information under different affiliates, exposing them to a lawsuit under California 's XXXX diligence acts and approval under misrepresented information and/or documentations. With that said, I am requesting for XXXX XXXX XXXXXXXX to immediately withdraw the charge off from my credit as I have previously stated that I did not own to account nor made any used of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I made a purchase on XXXX XXXX XXXX XXXX on XX/XX/year> {$60.00}. Bal was {$0.00}. I got new statement from XXXX XX/XX/year> with interest of {$2.00} added to balance. They don't allow 30 days before adding interest to your balance. Is that ethical?

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 2025-08-02 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: Block, Inc.
State: MN

Complaint narrative:
On XXXX XXXX I used cash app to send XXXX XXXX dollars right after I sent XXXX the money I received a conformation stating ( your XXXX payments has been sent ) so when I looked at the transaction it showed that XXXX was token out my account XXXX went to XXXX and XXXX went to a XXXX XXXX so I disputed the transaction and called cash app and explained the situation and inform them that I believe there system was hacked because I sent money to XXXX but it also sent someone I not friends with or never sent money on cash app XXXX so now im out of XXXX and cash app is not doing anything to help and blaming me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Troy Capital, LLC
State: IL

Complaint narrative:
The garnishment began on XX/XX/XXXX in the amount of {$9200.00}, initiated by a debt collector who acted without properly informing me or following the correct legal procedures. These actions have caused significant financial and emotional distress, and I believe they constitute a wrongful attempt to collect on a disputed or unverified debt. 

I respectfully request that : 1. The garnishment be halted immediately.

2. The court review the validity of the judgment based on lack of proper service.

3. I be provided with a full account of the case, including any alleged service records and documentation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I am writing to formally report that I am a victim of identity theft. I did not open or authorize the account ( s ) or debt ( s ) listed below and have no knowledge of the transactions associated with them. I discovered this fraudulent activity on XX/XX/year>, and I have taken the necessary steps to protect my identity, including placing fraud alerts on my credit file. After numerous attempts to contact the company, I have not received a response back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Grisham Cummins, LLC
State: AL

Complaint narrative:
Received a letter in the mail saying they are trying to collect a debt that I owed to an account Ive never used. Someone possibly could have used my information without my consent to my account that i have never knew about until i reviewed this letter in the mail & im trying to dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is a formal and final demand for the immediate deletion of all collections currently being reported on my Experian credit file. These accounts are reported in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). They are unverifiable, inaccurate, and incomplete and you are legally obligated to remove them if they can not be proven accurate beyond dispute XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX  ) Account # : XXXX Balance : {$3400.00} XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX Balance : {$4800.00} XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX  ) Account # : XXXX Balance : {$990.00} You are in violation of the following consumer protection statutes by continuing to report these accounts without providing adequate documentation : 15 U.S. Code 1681e ( b ) Requires Experian to maintain maximum possible accuracy of the information reported.

15 U.S. Code 1681i ( a ) Requires you to perform a reasonable reinvestigation of disputed information. If the data can not be verified, it must be deleted.

15 U.S. Code 1681s-2 ( b ) Furnishers must investigate disputes and delete or correct inaccurate or unverifiable information. Reporting unverifiable data is a direct violation.

15 U.S. Code 1692g ( b ) FDCPA Upon notification of dispute, collectors must cease collection and provide full validation of the debt. No such validation has been provided.

15 U.S. Code 1692e ( 8 ) Prohibits reporting information known to be false, or failing to mark disputed items as such.

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 2025-08-02 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: WA

Complaint narrative:
I am a victim of identity theft. I discovered unauthorized and fraudulent activity on my credit report when I reviewed my Experian account. Several accounts were opened in my name without my knowledge or consent. These accounts are associated with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. Additionally, there are unauthorized hard inquiries on my credit report from XXXX XXXX and XXXX 

I believe my personal information was compromised through data breaches related to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. As a result of this identity theft, my credit has been negatively impacted by accounts and inquiries I did not authorize or initiate.

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 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: DISCOVER BANK
State: CA

Complaint narrative:
Subject : Fraudulent Wire Transfers Bank Failed to Flag or Notify To Whom It May Concern, I am writing to formally report a series of fraudulent wire transfers that occurred on my Discover Bank account, and to express my serious concern that Discover Bank failed to take appropriate measures to prevent or alert me to these transactions. I lost a lot of money about XXXX and went to depression. Thank you.!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: TX

Complaint narrative:
I am writing to formally dispute and request the immediate blocking and removal of fraudulent information appearing on my credit report in accordance with 15 U.S. Code 1681c-2 of the Fair Credit Reporting Act ( FCRA ).

The following item ( s ) on my credit report are the result of identity theft, and I am not responsible for any debts, accounts, or inquiries associated with them : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Creditor Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Creditor Name : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Creditor Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX INQUIRIES NOT AUTHORIZED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XX/XX/XXXX -XXXX XXXXXXXX NA / XX/XX/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 / XX/XX/XXXX ADDRESSES NOT BELONG TO ME XXXX XXXX XXXX XXXX UNIT XXXX XXXX TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX In compliance with FCRA XXXX XXXX [ XXXX XXXX Code XXXX ] XXXX I am including the required documentation to support my claim and formally request that the above item ( XXXX ) be blocked from my credit report : A copy of a valid government-issued photo ID A copy of a recent bank statement showing my current address A copy of the FTC report or an identity theft report filed. 

Legal Reference : Under 15 U.S.C. 1681c-2, a consumer reporting agency is required to block any information that the consumer identifies as resulting from identity theft within four business days of receiving : Proof of identity, A copy of a police report, A statement from the consumer identifying the fraudulent information, And a request to block the fraudulent information.

This is a legal obligation, and any failure to comply may result in enforcement action or legal claims under the FCRA. 

Please confirm in writing within the required time frame that the disputed information has been blocked and removed from my credit report. I also request a copy of my updated credit report reflecting these changes.

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 2025-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
My credit was cleared and now they calling and calling or emails

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Office of Michael J. Scott, PC
State: PA

Complaint narrative:
Scott and associates is a debt collector trying to collect a debt I do not owe and violated my rights under 15 usc 1692c buy communication of a debt that from a company I cease and desist from

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: NE

Complaint narrative:
I am reporting identity theft involving fraudulent accounts that have been added to my XXXX  credit report without my knowledge or authorization. The following collection accounts are not mine : 1. Transworld Systems Inc / XXXX  Date Opened : XX/XX/XXXX Balance : {$970.00} Status : Collection account, reported past due as of XX/XX/XXXX I never had a XXXX  account or authorized any services with this company. 
2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} Status : Collection account I have never done business with XXXX XXXX XXXX XXXX and did not open or use this account. 
3. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$960.00} Status : Closed account in collections as of XX/XX/XXXX I do not recognize this XXXX account and did not open or authorize it. 

I did not open or authorize any of these accounts. They were fraudulently opened in my name or reported inaccurately. I am the victim of identity theft, and I am requesting that these items be fully investigated, blocked from my credit file under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), and that no further collections or reporting activity occur related to these accounts.

I am submitting this statement as part of my identity theft report with the FTC.

Company response to consumer: Closed with explanation