vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit report shows late payment entries I believe are incorrect. As required by 15 USC 1681e ( b ) and 15 USC 1681i, my report must only include accurate, complete, and verifiable information. I request that these late payments be verified, and if they can not be confirmed, corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I am unable to access an account XXXX that SoFi says is linked to my personal information, including my email address and Social Security number. When I try to log in, it states that my email and Social Security number are already associated with an existing account. However, I do not have access to that email or account, and I never receive a password reset email when I try to recover it. 

This has left me unable to verify or access the account in any way. Im very concerned that my personal information, including my Social Security number, may be tied to an account I can not access or confirm as my own.

What Ive Tried : Ive attempted to reset my password multiple times and have contacted SoFi for help, but I have not been able to regain access or get confirmation about how or why my Social Security number is linked to an existing account. 

What I Want : I want SoFi to investigate this issue, verify my identity, and either : 1. Provide me secure access to the account linked to my information, or 2. Remove my personal information ( email and Social Security number ) from any unauthorized or inaccessible account. 

This situation raises serious concerns about potential identity misuse and data security, and I would like a resolution as soon as possible. 

Desired Outcome : Secure verification of my identity Access to my correct SoFi account or removal of my personal data from any unauthorized account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
In XXXX, the U.S. Department of the Treasury applied {$620.00} from my IRS tax refund toward a debt with the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) that I do not owe. I later discovered this debt was the result of identity theft that I originally reported back in XXXX, when I filed a police report for identity theft and forgery. 
In XX/XX/XXXX, I contacted both XXXX and the Treasury to dispute the debt and was instructed to send proof of fraud. I provided a copy of the XXXX police report, an updated affidavit of forgery/identity theft, and valid identification. 
In XX/XX/XXXX, I received a letter from Transworld Systems Inc. stating I owe {$8700.00} for this same XXXX account. I again disputed the debt in writing, resubmitted my police report and affidavit, and explained that this account was opened without my authorization. Despite providing proof of fraud, Transworld continues to report and pursue the debt, and the Treasury has not refunded the offset funds or halted future offsets. 
Transworld Systems is violating the Fair Credit Reporting Act and the Fair Debt Collection Practices Act by continuing collection activity after receiving valid fraud documentation. 
I am currently unemployed and under financial hardship. This situation has caused financial loss, emotional distress, and ongoing hardship. I am requesting that Transworld Systems permanently remove the fraudulent account, that XXXX and the Treasury Offset Program cease all offsets, and that written confirmation be provided showing the matter is closed and resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC.
State: WA

Complaint narrative:
I reached out to this creditor via mail asking to verify all said debts that I owe which has been transferred to these creditors which has satisfied any said debts owed. The creditor was not able to provide original contracts with my signature therefore the debt is void and invalid. This is a violation of my credit and needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
I am deeply disappointed to contest any information on my credit report that lacks truth or proper documentation. Unproven claims of delinquency and interrogations without factual evidence challenge their credibility. It is crucial to adhere to federal and state laws by accurately reporting allegations within the Metro 2 data field reporting standard. I kindly request physical, verifiable evidence to support the account 's existence and permissible usage, and if lacking, prompt removal from the report. I authorize you to mail me documented actions and an updated credit report. 

CREDIT COLL XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Byrider Franchising, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Request for Debt Validation Dear XXXX XXXX, I am writing in response to your [ letter/phone call ] dated XXXX XXXX regarding the alleged debt you claim I owe of XXXX. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request that you provide full validation of this debt.

Please provide the following information : 1. The name of the original creditor.

2. The amount of the debt, including an itemized breakdown of fees and interest.

3. A copy of the original signed agreement or contract creating the debt.

4. Proof that you have the legal right to collect this debt ( chain of assignment ).

Until you provide these documents, you must cease all collection activity and not report this debt to any credit reporting agency. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
In XXXX XXXX XXXX  was taken from my wells fargo account

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 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/year> around XXXX I tried to deposit cash in my bank account. The bills got stuck in the atm & I was unable to get them out. The door closed and my money was gone. 
Atm on XXXX XXXX  XXXX in XXXX Tx near XXXX XXXX This was {$460.00} of my money I need for my car payment & some is for my son. 

The manager said the machine cant be counted then & I had to file a claim.

There sre cameras everywhere when I was doing this.

The credit department at Capital One bank denied a provisional credit today. 

This is terrible service. The XXXX XXXX XXXX lady was rude & told another lady she could use atm after my XXXX just got stuck. 

Ill never add cash ever again or trust Capital One. 

Tomorrow is XX/XX/year> and I still dont have an answer. This machine should have been counted and my money credited by now. 
I need my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Ive found collection accounts on my report that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to a truthful credit report. I request an investigation of these accounts, and removal if they cant be verified.

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 2025-10-15 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: NC

Complaint narrative:
I am disputing the information as it appears on my credit profile. I want to validate the debt to prove it belongs to me, XXXX XXXX. If the debt can not be validated I would like for the debt to be removed from my credit profile IMMEDIATELY. Please note that verification IS NOT validation.

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 2025-10-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I am submitting this follow-up because Transworld Systems , Inc. has repeatedly ignored the law and continues to report an unvalidated debt. I have disputed this account XXXX times through this portal and since XXXX they have failed to provide any legal proof validating this debt or showing that I failed to report my move-out properly. Instead, they continue to send irrelevant documents, including their own move-out statement and a signed lease, neither of which legally validates the debt. Despite placing my account in restrictive status, they continue to report it on 2 of my credit reports, violating the Fair Debt Collection Practices Act 15 U.S.C. 1692e and 1692g and the Fair Credit Reporting Act 15 U.S.C. 1681s-2 ( b ). Their repeated failure to provide documentation, respond in good faith, or follow the law is intentional, harassing, and unlawful. I demand that the CFPB require Transworld Systems , Inc. to immediately provide proper validation of this debt including any documentation showing I failed to report my move-out, invoices, pictures, my signature on a improper moveout or proof that the landlord moved or disposed of my property, and an itemized statement of alleged charges. Until they do, this account is unverified and must be removed from all credit reporting, and their continued illegal reporting should be addressed under the FDCPA and FCRA. Transworlds repeated failure to respond appropriately, provide evidence, or follow the law demonstrates intentional bad faith. I will not accept irrelevant documents or partial compliance. I demand that this matter be escalated and that they be held accountable under the FDCPA and FCRA for their continued illegal reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Comenity Bank Re : Dispute of Residual Interest and Fees Closed Account I am writing to formally dispute the residual fees and interest charges being assessed on my closed account referenced above. 

This account was closed in XX/XX/2025, and the full balance was paid on XX/XX/2025, prior to the XX/XX/XXXX due date. Despite this, I was later informed that a {$6.00} residual interest charge remained from the XXXX billing cycle. Since my initial phone call about this issue to Comenity Bank in XXXX, that {$6.00} has increased to over {$71.00}, as of XX/XX/XXXX which appears to include unauthorized interest or fees on a closed and fully paid account. They have also reported this to credit companies where my score has dropped XXXX points Under the Truth in Lending Act ( 15 U.S.C. 1666 ) and Regulation XXXX, creditors may not continue to impose finance charges or fees after an account has been paid in full and closed. I request that you investigate this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I disputed the Macys/Citibank NA account in writing because the information being reported is inaccurate and not verified. The furnisher did not provide any documentation, contract, payment history, or proof that supports the reporting. They continue to report the account after being notified it is inaccurate and unverifiable. This violates the FCRA ( 15 USC 1681i and 1681s-2 ( b ) ).

I requested deletion of the account from all credit bureaus or full verification with proof, and they have not complied. I am asking CFPB to require Citibank NA to either delete this Macys account from all consumer reporting agencies or provide proper documentation and correct all inaccuracies.

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 2025-10-15 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: MI

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 XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 


FRAUDULENT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-15 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Rausch Sturm LLP
State: TX

Complaint narrative:
I have submitted a debt validation letter to the Debt Collectors demanding proof that the debt is owed by me

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 2025-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Every month they keep emailing me about debt they bought from creditors

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-10-15 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: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I am disputing the accuracy and validity of an account reported and have not received documents to meet the legal requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: NC

Complaint narrative:
I am filing a complaint against LexisNexis Risk Solutions and its data-sharing affiliates for the unauthorized collection, use, and disclosure of my personal information. 

My LexisNexis file contains inaccurate and unverified data, and shows that multiple third-party entities ( including U.S. Postal Service, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, and others ) accessed or reported my information without my knowledge, consent, or permissible purpose. 

These entities are reporting invalid phone numbers, outdated addresses, and identifiers that do not belong to me. I never gave permission for my personal data to be used, shared, or sold. As a result, I am receiving daily spam emails, phone calls, and unsolicited mail, which indicates my private data has been shared or leaked beyond the original reporting sources. 

Since XX/XX/year>, I have submitted XXXX written deletion and dispute requests directly to LexisNexis, yet my personal information continues to appear and circulate among data brokers. This conduct violates the following laws : Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 et seq. ) North Carolina Identity Theft Protection Act ( N.C.G.S. 75-60 et seq. ) Virginia Consumer Data Protection Act ( Va. Code 59.1-575 et seq. ) I am requesting : Immediate deletion of all inaccurate and unauthorized data ; Written confirmation of all third parties, resellers, or agencies that have received, accessed, or been provided my personal information within the past XXXX months ; Permanent cease and desist on any future data sharing or sale ; Written acknowledgment of compliance within 30 days of receipt. 

My data has been mishandled and continues to cause privacy violations and financial harm. I am requesting immediate regulatory review and enforcement oversight.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: NC

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction.

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 2025-10-15 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: RI

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation