vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hayt Hayt & Landau, P.L. (FL)
State: GA

Complaint narrative:
XXXX, XXXX & XXXX attempted to collect on a disputed XXXX Funding account that was already subject to a pending XXXX consumer arbitration case ( XXXX Case No. XXXX ). The arbitration was officially closed by XXXX after XXXX refused XXXX pay their required business fees. This administrative closure constitutes a legally binding termination of their right to arbitrate or collect further on the account. 

Despite receiving written notice and documentation showing the XXXX closure and my dispute, XXXX, XXXX XXXX XXXX continued to pursue collection and report the debt. They failed to provide full validation under 15 U.S.C. 1692g ( b ), continued collection after written dispute, and reported inaccurate information in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ). Their actions constitute false representation of legal status and an attempt to collect a debt not legally owed. 

I am requesting CFPB enforcement to stop all collection activity, require deletion of the tradeline from all credit bureaus, and review these violations for sanctions.

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 2025-10-06 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: FL

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2025-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I am writing in regard to the alleged debt you are attempting to collect. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809 ( 8 ), I dispute the validity of this debt in its entirety and request that you provide me with full validation of the same. 
Please provide the following information : XXXX. * * Proof that I am responsible for the debt * * : Documents demonstrating that I owe this debt. 
XXXX. * * XXXX of the debt '' * ; A detailed explanation of the amount owed, including a breakdown of all charges and payments applied. 
XXXX. * * Name and address of the original creditor * * : If this debt has been sold or transferred, I need to know the name and address of the original creditor. 
XXXX. * * Proof of your authority to collect this debt * * : Documents showing that your agency has the legal authority to collect this debt on behalf of the original creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: AR

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX  Date : XX/XX/year> XXXX XXXX XXXX XXXX  Date : XX/XX/year> XXXX XXXX  Date : JUN 26 XXXX XXXX NOW XXXX Date : XX/XX/year> ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX * * * * * * XXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX - Account Number : XXXX XXXX * * * * * * * * * * * * * * * XXXX, Date Opened : XXXX, Balance : $ XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-10-06 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX SER Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX OF XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: FL

Complaint narrative:
I jave tried to get citibank to stop reporting a past balance on a XXXX cards as the sold both XXXX by law must report a XXXX balance. Citibank has reported they did not sell the debts. 

This is a complete fabrication on XXXX part. The XXXX collection agency used illegal tactics and I stopped paying and told them som. They then sold both accounts and ine has been sold twice since then. XXXX is in violation of the law by reporting a balance after charge off and selling. If I call them they won't talk to me and redirect my calm to the companies that own the debt. 

I am old and XXXX and nothing to do in life but keep making this complaint until the remove the balance. They can report the charge off but not the past due balance. It must be 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 2025-10-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Credit Acceptance Corporation is inaccurately reporting a charged-off auto loan on my credit report. The account was transferred to a collection agency, yet XXXX XXXX continues to report the debt as paid or closed, which is misleading because I did not make any payment to them. I sent a written Debt Validation Request to Credit Acceptance under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g on [ insert date you mailed it ], asking for full verification and proof of the alleged debt. 
XXXX XXXX has either failed to respond within the required XXXX period or provided incomplete documentation that does not prove the validity or ownership of the debt. Despite this, they continue to report the account to credit bureaus, negatively impacting my XXXX XXXX and violating my rights under the Fair Credit Reporting Act ( FCRA ) and the FDCPA.

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 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: FL

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-10-06 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Company : JPMorgan Chase Bank , N.A . 
Product : Credit card / dispute about a purchase or charge XXXX filing this complaint because Chase denied my dispute for a concert ticket purchase financed through XXXX and processed by XXXX, claiming the first XXXX payments were outside the XXXX recovery window. 

The concert was scheduled for XX/XX/year> and officially canceled XX/XX/year>. I filed my dispute on XX/XX/XXXX XXXX within 120 days of the cancellation date. 
Under Visa Core Rule XXXX Services Not Rendered or Merchandise Not Received, the XXXX timeframe begins on the latest of : the transaction processing date, the delivery date, or the date the cardholder expected delivery or performance. 

Because this was a future-dated service ( a concert ), the correct start of the XXXX window is the event or cancellation datenot the earlier payment dates. 
Despite quoting this rule, Chase refused escalation, stating that XXXX is like XXXX and that they can not act because it is a third-party transaction. 

That statement is incorrect : XXXX is a merchant-financing platform that pays XXXX through the XXXX network, not a peer-to-peer transfer. Therefore, Visas dispute rules apply. 

XXXX requesting that Chase reopen or manually review this case under XXXX XXXX XXXX XXXX ( future-delivery exception ) or provide written documentation explaining why Chase declined XXXX apply Visas network policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am contacting you regarding a troubling discovery on my credit report involving a collection account reported by your organization. This collection entry has appeared without any prior notification or communication from your agency informing me of this alleged debt. Additionally, I have substantial concerns regarding whether this claimed obligation is legitimate and accurate. Under the provisions of the Fair Debt Collection Practices Act, I am entitled to receive proper verification of any debt you are attempting to collect. Therefore, I am formally demanding that you furnish complete validation documentation and take necessary corrective measures to resolve this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX CT AL XXXX - XXXX AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court Alabama XXXX Bankruptcy XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXXXXXX 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 2025-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: COMMERCE BANK
State: KS

Complaint narrative:
well, I was at XXXX XXXX  in XXXX  XXXXXXXX XXXX and I tried to get monies to play the games and when the atm processed the first transaction, no money came out of the atm. So I went to the casino cage and reported it, and i have documents to that effect. My commerce atm debit card was also shown to have tried twice more and was declined. the XXXX XXXX rejected all three disputes and i'm out XXXX dollars. The bank says no further action is possible

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: DC

Complaint narrative:
Hello I am formally expressing my concerns with zelle 's handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle at times and reporting discrepancies, my financial institution and zelle / chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and checking these transactions was unfeasible. The CFPB 's findings indicate that not only still has neglected to protect its customers and also allow repeat offenders to exploit the system, leaving users is vulnerable to scams. The lack of any accountability and transparency is unacceptable and raises serious concerns about customer safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: TX

Complaint narrative:
I am filing this complaint regarding Experians handling of my credit report disputes under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

On or before XX/XX/year>, I disputed several accounts on my Experian credit file that I believe contain inaccurate or unverifiable information. Experian completed its investigation and issued a report ( No. XXXX, generated on XX/XX/year> ). The results indicated that the following accounts were verified as accurate or remained, without providing any supporting documentation or evidence of proper verification : XXXX XXXX XXXX Account XXXX ( Verified and Updated ) XXXX XXXX XXXX  Account XXXX ( Verified and Updated ) XXXX XXXX XXXX Account XXXX ( Remains ) XXXX XXXX XXXX Account XXXX ( Verified and Updated ) XXXX XXXX XXXX Account XXXX ( Remains ) XXXX XXXX Account XXXX ( Updated ) XXXX XXXX XXXX Account XXXX ( Updated ) XXXX XXXX Account XXXX ( Processed ) Experian reported these items as verified, but I was not provided with : The name, address, or phone number of the entities that verified the information ; Copies of the verification documentation received from those furnishers ; Any evidence that a reasonable reinvestigation was conducted as required by FCRA 1681i ( a ) ( 1 ) ( 6 ).

It appears Experian relied solely on automated or superficial confirmations from furnishers rather than performing a true reinvestigation as required by law. This constitutes noncompliance with the FCRA and has caused continued harm to my credit profile and reputation. I am respectfully requesting that the CFPB Direct Experian to delete the above accounts from my credit report immediately.

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