vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-17 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXXB ( XXXX U.S.C. 
XXXXc-2 ) that you, the Experian credit reporting agency, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rozlin Financial Group, Inc.
State: AR

Complaint narrative:
I am reporting Rozlin Financial Group , Inc. ( RFGI ) for violating the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I had never heard of RFGI before and had no idea who they were or why they were reporting a debt in my name. They are reporting an alleged debt of approximately {$14000.00} to the credit bureaus ( XXXX  and XXXX  ) and continue to call after being formally disputed and presented with cease/desist orders. 

I sent a written debt validation request ( certified and return receipt ) which was delivered on XX/XX/XXXX ( copy of receipt enclosed ), and their response did not include any itemized charges, payment history, or ledger. Instead, they sent a copy of a contract, a picture of my ID, and a statement showing a positive balance of {$5.00}. This does not satisfy FDCPA validation requirements or any of the other things I asked for. 

I also notified them in writing to cease all phone communications, yet they called meviolating FDCPA 805 ( c ). They also use spoofed numbers and call multiple times during the day. ( Copy of call log enclosed ) I sent a second letter demanding deletion from my credit report due to lack of validation ( certified and return receipt enclosed ). Despite this, Rozlin Financial Group continues to furnish this unverifiable debt to the credit bureaus, which is a violation of FCRA 623 ( a ) ( 1 ) ( A ) for supplying inaccurate or unverifiable information. This is evidenced by XXXX  providing a " certified by RFGI '' result to my dispute with them on XX/XX/XXXX. A complaint against XXXX  is also being submitted.

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 2025-06-17 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: MD

Complaint narrative:
I am not associated with the creditors listed and did not authorize this inquiry. Please remove it from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
To : Consumer Financial Protection Bureau P.O. Box 27170 Washington, D.C. 20038 Subject : Formal Dispute of Fraudulent Collection Accounts FDCPA and CFPB Violations Dear Consumer Financial Protection Bureau, I am writing to file a formal dispute and complaint regarding several collection accounts inaccurately reporting on my XX/XX/XXXX credit report as of XX/XX/XXXX. The accounts in question are : XXXX. XXXX XXXX XXXX {$930.00}, Opened XX/XX/XXXX XXXX. Midland Credit Management {$1300.00}, Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX {$18000.00}, Opened XX/XX/XXXX I affirm that these accounts are not mine, and I have made several good-faith attempts to resolve and have these accounts removed directly through the credit bureaus and the debt collectors themselves, but they continue to report without proper validation. 

Under the Fair Debt Collection Practices Act ( FDCPA ), XXXX U.S. CXXXX XXXXg ( b ), once a consumer disputes a debt in writing, the debt collector must cease collection efforts until they provide proper validation. The CFPB clearly states that a bill or itemized statement is not sufficient validation of debt if it does not show evidence that you owe the debt and that the collector has the legal right to collect it ( CFPB, Debt Collection Rule FAQs ). 

I am demanding that the collector ( s ) provide legal validation of the debt, including : A copy of the original contract with my wet ink signature, Proof that they have the legal authority to collect this alleged debt, A full payment history from the original creditor, And documentation that the account was properly assigned or sold to the current collector. 

If they can not produce these documents, then under XXXX U.S.C. XXXXg ( b ) and XXXX U.S.C. XXXXi ( a ) ( under the FCRA ), these items must be deleted from my credit report immediately. 

Reporting unverifiable debt also violates XXXX U.S.C. XXXXe, which prohibits false, deceptive, or misleading representations in connection with debt collection. Continuing to report and collect without proper validation is not only unethical, it is illegal. 

I am requesting that the CFPB : Launch an investigation into these violations, Compel the collectors to provide true legal validation, not mere billing statements, And ensure that all unverifiable and unsubstantiated accounts are removed from my credit file. 

Please be advised that I am requesting all communication in writing only. I reserve my right to take legal action if my rights under the FDCPA and FCRA are not honored. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
In XX/XX/year>, while I was physically located in the U.S., my Bank of America debit card ( account ending in XXXX ) was used for a series of clearly unauthorized transactions totaling {$1900.00}. The card was compromised and used across multiple U.S. states within a single day, including locations that are geographically far apart. It would have been physically impossible for me to have made these purchases. 

I filed a fraud claim immediately and was issued a temporary credit. However, in XX/XX/year>, the claim was denied with no credible explanation or evidence. After receiving the denial, I called Bank of America and spoke to a representative who agreed the transaction pattern was suspicious and didnt make sense. Based on this, I was advised to reopen the claim. In fact, it is impossible for me to authorize or spend those money in different states within one day. 

I followed up with a second investigation, submitted additional context, and requested copies of any documentation used to support the denial ( merchant receipts, IP/device data, etc. ). However, I received no documents and, on XX/XX/year>, received another blanket denial, again with no explanation or meaningful response to the fraud evidence. 

I am now outside the XXXX and unable to call. This experience has caused me both financial damage and mental distress. I am requesting CFPB 's assistance to force Bank of America to reopen this case, provide full documentation, and conduct a legitimate reinvestigation. 

I respectfully request that the CFPB intervene and compel Bank of America to provide a full refund of the fraudulent transaction.

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 2025-06-17 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I am requesting the immediate freezing of my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am asking for your assistance to look into accounts from these companies that are incorrectly reporting late payments. After reviewing my credit report, I noticed some accounts have wrong late payment marks. These accounts should not show any late payments. Please remove these remarks and update the accounts to show positive status as agreed.

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 2025-06-17 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXXB ( XXXX U.S.C. 
XXXXc-2 ) that you, the XXXX credit reporting agency, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : 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

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 2025-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Despite multiple attempts to resolve the issue, my consumer report still contains fraudulent inquiries that are completely unrelated to me and for which I bear no responsibility. These unauthorized entries have caused significant mental and financial distress, even preventing me from purchasing my dream house and adequately providing for my family 's needs. As a victim of identity theft experiencing substantial impact on my financial well-being, I feel compelled to consider legal action if this matter isn't appropriately addressed.

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 2025-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Account # XXXX was opened fraudulently from an address I have never lived at. The only address any accounts should be tied to is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which has been my sole address for XXXX years. I have an open report with the FTC ( FTC report # XXXX ). And am in contact with the credit bureaus. Please investigate and provide proper information or delete this account off my credit report.

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 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
I filed a formal complaint with the CFPB against sofi regarding ATM funds not dispensed. 

Shortly after submitting that complaint specifically on or around XXXXXXXX  the bank notified me that my account would be closed. This action appears retaliatory in nature, as there were no outstanding issues such as overdrafts, fraud, or account abuse on my part that would justify this closure. 

The timing of the closure, in close proximity to the complaint I filed, raises serious concerns about retaliation, which may be in violation of : 12 U.S.C. 5567 of the Dodd-Frank Wall Street Reform and Consumer Protection Act, which prohibits retaliation against consumers for reporting possible violations of financial protection laws. 
Basic principles of fair and transparent banking practices. 

I formally request that the CFPB investigate this matter and determine whether the closure of my account was in fact retaliatory and in violation of consumer protection statutes. Additionally, I ask that my complaint history and banking reputation not be negatively affected as a result of this closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
On XX/XX/year>, I booked a XXXX XXXX ticket through XXXX using my Chase debit card for a total of {$1200.00} ( Trip ID : XXXX ). I later canceled the trip through XXXX and received a full refund, which was properly returned to my account. 

However, a few days later ( that weekend ), I noticed that the refund was removed from my balance without warning.

I called the Chase disputes department, but they claimed nothing was showing on their end. I had to keep following up. I also contacted a Chase branch in XXXX, WV, and spoke to a rep named XXXX, who told me he was aware of similar refund-related problems happening to other people.

Eventually, a claim was filed. But now Im seeing a claim reversal on my account basically charging me again for a ticket that was already canceled and refunded. This has caused my balance to go negative and created unnecessary stress and confusion.

Im requesting immediate cancellation of this reversal. I followed proper steps and should not be penalized or double-charged.

Ive attached screenshots showing : The XXXX cancellation summary with refund due The claim reversal posted to my Chase account My original booking details

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: MA

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2025-06-17 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: MA

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2025-06-17 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: GA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : 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 , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXXXXXX XXXX XXXX XXXX XXXX XXXX BALANCE : {$520000.00}, XXXX XXXX XXXXXXXX XXXX XXXX BALANCE : {$5700.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Affidavit # XXXX as well as proof from the US Federal Trade Commission regarding this claim.

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 2025-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My auto pay was wrongly removed and payment not made when supposed to. Corrected glitch early this morning, made payment manually and placed autopay back on when noticed error hours after deadline. Reached out to Capital One representative and supervisor and they refused to waive {$40.00} late fee although glitch not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: TX

Complaint narrative:
After thoroughly reviewing my credit record, I discovered late payments that I believe require immediate attention and investigation. I sent formal correspondence to the responsible parties over 30 days ago requesting proper validation and documentation for these reported late payments, but I have received no response whatsoever. Their failure to provide satisfactory validation or any meaningful communication regarding these disputed items raises significant concerns about the accuracy and legitimacy of the information currently being reported on my credit file.

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