vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 
Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-11-20 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX XXXX XXXX Date : XX/XX/2025 Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX DC XXXX Re : Cease and Desist Request NCB Management, Account # XXXX To Whom It May Concern : I am submitting this formal complaint and Cease and Desist request regarding NCB Management, who is attempting to collect on Account # XXXX. I am requesting that the CFPB investigate NCB Management 's actions, as they have engaged in conduct that I believe violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other federal consumer protection laws. 

NCB Management has continued to contact me in a manner I consider harassing, misleading, or otherwise unlawful. Therefore, effective immediately, I am demanding that NCB Management : Cease all communication with me, except as permitted under 15 U.S.C. 1692c ( c ).

Provide full validation of the alleged debt, including original creditor information, itemized statement, and proof that NCB Management has the legal authority to collect on this account.

Cease reporting or remove any inaccurate or unverified information related to this account from all consumer reporting agencies.

If NCB Management fails to comply with this Cease and Desist request, or if they continue collection activity without proper validation, I request that the CFPB take appropriate enforcement action. 

Please confirm receipt of this letter and inform me of any next steps or additional information needed. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX Account Reference : # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX  XXXX * * * * * * * * * * - Balance : {$600.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX * * - Balance : {$0.00} - Date Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I had fraud on my XXXX Checking account. XX/XX/XXXX. Payments that were scheduled for my credit card were returned due to it being frozen for FRAUD. I was then hit with XXXX fees of XXXX dollars due to my checking account being frozen. I then spoke to the representative of amex later that week. They refund ONE fee. I said that was not enough and asked to speak to a supervisor and they offered a XXXX dollar credit I mentioned it was still not enough... the lady said that's the best they can do...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2025-11-20 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:
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 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 2025-11-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I deposited a check at Bank of America and received an official deposit receipt that clearly stated my funds would be available today at XXXXXXXX XXXX XXXX. I relied on this written guarantee to pay urgent bills and meet multiple promise-to-pay arrangements. 

When I checked my account today, Bank of America changed the availability date to XX/XX/XXXX without any notice, explanation, or valid reason. This is a violation of the Funds Availability Act and of Bank of Americas own written disclosure printed on my receipt. 

Because of this unexpected delay, due to the XXXX shut down. I experienced immediate and serious financial harm. My tire is flat and I have no gas to drive. I was unable to pick up my children or secure transportation. I am also behind on my car note with XXXX and facing possible repossession. I made a promise-to-pay for today based on the printed availability date, and I was unable to keep it due to the banks failure to release my funds. 

Additionally, I am facing an overdue XXXX bill that I intended to pay before the holiday weekend to prevent further issues. As welll as my car insurance that is past due. I was recently evicted and already dealing with major financial instability. The banks error caused significant emotional distress, anxiety, and fear because I am unsure if I can even make it to work tomorrow. I had to ask others for help, but I have not found any assistance. 

I have the deposit receipt with the printed availability date and time as proof.

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 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: TX

Complaint narrative:
I opened my personal checking and savings account on XX/XX/XXXX. I deposited a IRS refund check from a IRS Reconsideration from a XXXX tax audit and had it reversed for good cause and substantiated evidence after a IRS Small Dollar Amount Appeal and won a sum of {$12000.00}. I was not informed well enough of the process, I could not go to another branch and withdraw money or any such banking rules. I was under the impression of a regular bank hold of 5-7 business days and no temporary debit card. Well, I was in XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX at another Comerica Bank branch out handling business and tried to withdraw {$600.00} from my verified partial of {$6700.00} and XXXXXXXX XXXX XXXX XXXX XXXX did not tell me nor could he tell me why I was denied access to my account and could not withdraw the funds due to him being very disrespectful, rude, and condescending and I recorded the entire conversation for evidence!!! Next thing I know my partial funds and my banking app were XXXX and taken from me, Comerica Bank even went into my PERSONAL CELL PHONE and withdrew all emails stating my check was verified at XXXX on XX/XX/XXXX and the partial was there, but from XXXX XXXX XXXXXXXX conversation at the XXXX XXXX it was understood my money just vanished causing me to contact local authorities. I then drove to my branch on XXXX XXXX and spoke to XXXX XXXX the XXXX XXXXXXXX XXXX XXXX at XXXX XXXX XXXX XXXX Texas XXXX informed me the XXXX branch XXXX XXXX XXXX flagged my account as fraud. I along with XXXX XXXX on XX/XX/XXXX called Comerica Bank Fraud Dept via phone and they stated they were waiting on IRS to verify my check even though the bank has a XXXXXXXX XXXX to verify the check. on XX/XX/XXXX I asked XXXX XXXX for a WRITTEN EXPLANATION according to EFAA Act through regulation CC 12 CFR part 229 for extended holds due to reasonable doubt of collectability and instead XXXX XXXX sent me a email of the banks personal service charge brochure along with XXXX XXXX the banks Corporate Quality Complaint Analyst number but still NO WRITTEN EXPLANATION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: AR

Complaint narrative:
I am disputing the following charged-off accounts reported under my name. These accounts contain inaccuracies that I request be corrected as per the Fair Credit Reporting Act ( FCRA ) : 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 explanation
Consumer complaint received 2025-11-20 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: NC

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is 1563 is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
I am writing to formally dispute the accuracy and validity of a collection account appearing on my credit report. The account is being reported by XXXX XXXX XXXX XXXX XXXX XXXX ( also referenced as Wakefield / Wakefield & Associates ) with an alleged original balance of {$3800.00} and current balance of {$3800.00}, assigned on XX/XX/2023. 
I am requesting a full investigation as allowed under the Fair Credit Reporting Act ( FCRA ). I dispute this account because the information being reported is inaccurate and/or unverifiable. Specifically : The account details do not match any debt I owe. 
The balance and status reporting contain inconsistencies. 
I have not received proper validation of this debt from the collection agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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 am submitting a formal dispute to the Consumer Financial Protection Bureau ( CFPB ) regarding the following accounts that I believe are being inaccurately reported on my credit file. The accounts in question are listed below, separated by each credit bureau. 

Charge Off : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} Dispute Reason : I dispute the balance and the status of this account. Please investigate its accuracy. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5300.00} Dispute Reason : I dispute the balance and the status of this account. Please investigate its accuracy. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5400.00} Dispute Reason : I dispute the balance and the status of this account. Please investigate its accuracy. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} Dispute Reason : I dispute the balance and the status of this account. Please investigate its accuracy. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Dispute Reason : Please verify the accuracy of this reporting and investigate any potential errors. 

XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Dispute Reason : Please verify the accuracy of this reporting and investigate any potential errors. 

XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$110.00} Dispute Reason : Please verify the accuracy of this reporting and investigate any potential errors. 

XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$170.00} Dispute Reason : I dispute this account due to inaccuracies in the reporting. Please review the details of this account and verify its accuracy. 

Late Payments : XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-11-20 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: TX

Complaint narrative:
These accounts are not associated with me ; removal must happen in 15 days per USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: GA

Complaint narrative:
XXXX is reporting inaccurate informations, XXXX and XXXX have removed both late payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nationwide Capital Services, LLC
State: AZ

Complaint narrative:
I owe a debt with credit fresh who then sold it to structured settlement. I set a payment plan with them after they attempted to threaten me by saying they will take legal action and they have all my info. Today XXXX I am going through some things financially and called to change my payment to the 28th. He began to threaten me and treat me like I am not a human. He was asking why cant I and dont I get paid tomorrow and so on I said yes even though I actually get paid next week because he was yelling at me and using scaring tactics. I said I had nothing but problems when I try and call and ask questions you guys are very rude. He began to yell saying Im rude and that he can just remove my plan now and he will make sure Im sued and that he will come after me. I told him he just needs to relax and thats enough he said no Im not and he continued to cuss and threaten to cancel everything and go after me. This left me a little scared as I never been treated in such way like this from someone. He said Ill be moving your payment to the 28th and Im hanging up the phone now but it it dont process on that date good luck because hes canceling and coming after me and then hung up.

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 2025-11-20 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-20 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: PA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief