vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
On XX/XX/year>, I mailed a formal debt validation request via certified mail to National Credit Systems regarding a reported debt of {$11000.00}. I requested validation under the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I asked for : 1. A full accounting of all charges and fees 2. A copy of the original signed lease 3. Proof I took possession of the unit 4. Documentation showing mitigation efforts by the landlord 5. Proof that National Credit Systems is legally authorized to collect on the alleged debt The letter was delivered on XX/XX/year>, at XXXX XXXX  ( Tracking # : XXXX ), and I have attached proof of mailing and delivery. As of today, I have received no response whatsoever, which violates my rights under federal law. 

On XX/XX/year>, I also submitted a dispute to XXXX  directly. They denied my dispute by XX/XX/year> with no adequate reinvestigation and left the account on my report. Their only notation was : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) and This item was updated from our processing of your dispute in XX/XX/year>. 

Despite my submission of proof that the collector failed to respond within 30 days, XXXX  did not require validation from the collector or remove the account in violation of the Fair Credit Reporting Act ( FCRA ). 

I am requesting the CFPB investigate both National Credit Systems and XXXX  for failure to comply with FDCPA and FCRA. This debt should not be allowed to remain on my credit reports due to non-validation and improper reinvestigation. XXXX statement that the account meets the requirements of the Fair Credit Reporting Act is inaccurate and misleading, as they failed to require validation from the furnisher and disregarded my documented evidence that the collector did not respond. This is not a proper reinvestigation under FCRA 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Possible Financial Inc
State: TX

Complaint narrative:
I am a Victim of Identity Theft. According to FCRA section 1681, its illegal to report anything on my credit report without my Permission. Please remove this negative items : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RFNA, LP
State: TX

Complaint narrative:
I am a Victim of Identity Theft. According to FCRA section 1681, its illegal to report anything on my credit report without my Permission. Please remove this negative items : XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX - XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. REPUBLIC FINANCE XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX unit XXXX XXXX XXXX CA, XXXX DOB ; XX/XX/1984 SSN ; ( XXXX ) This Debt belongs to my mother XXXX XXXX XXXX XXXX original renter on the lease agreement I lived with my mom only as an occupant on the property. 

Debt amount owed {$11000.00} XXXX XXXX. 
XXXX XXXX XXXX XXXX Hazard XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: OH

Complaint narrative:
Upon checking my credit report I noticed some fraudulent account. Please remove these account from my credit report as it hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: PA

Complaint narrative:
This line was cancelled within the first couple of months due to unauthorized charges added to my account by XXXX XXXX which I did not agree to. Despite the cancellation, XXXX continued to charge the account as if it were active. A review of the account will show that it has not been used at all. Furthermore, I was charged for a tablet that I was informed was paid in full, and somehow it became connected to a bill, even though I own it outright. I believe this constitutes fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: VA

Complaint narrative:
Remove delete all of these accounts also stated on the official identity theft.gov form on their website attached to this complaint. 

XXXX. XXXX XXXX XXXX. XXXX main XXXX. XXXX XXXX XXXX XXXX. REMOVE all address except for XXXX mcleans barn terrace XXXX va XXXX. All other addresses are not previous addresses nor my account. 

I will be collecting information for lawsuit. The original contract bearing my real signature needs to be sent for the results.

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 2025-06-21 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the XXXX. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: MI

Complaint narrative:
I recently viewed my credit report. I was shocked to learn that I have been a victim of XXXX XXXXt. I have numerous charges and or accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent charges and or accounts from my credit report as soon as possible.

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 2025-06-21 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: NY

Complaint narrative:
I am writing to formally express my concerns regarding how zelle handles disputes, particularly in light of my 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 CFPB 's 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 transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-06-21 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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 2025-06-21 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:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a XXXX  document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2025-06-21 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:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a XXXX  document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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:
I am filing a complaint against TransUnion for violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681c-2 regarding identity theft-related blocks.

I submitted an Identity Theft Report, including my FTC Identity Theft Affidavit, social security card, government-issued photo ID, and a utility bill, via the TransUnion online dispute portal, and also mailed in the required documents to their dispute department.

Despite complying with all documentation and procedures outlined under the FCRA, TransUnion has refused to process my ID Theft Block request. When I followed up, they stated I have to mail in the documents, even though : I already mailed them in. 
I also uploaded them to their portal. 
The FCRA does not require redundant submission if documents have already been provided. 

This is a clear violation of my consumer rights under federal law. TransUnion is obstructing the identity theft blocking process, delaying the removal of fraudulent accounts from my credit report, and causing continued harm to my credit profile. 

I am requesting that the CFPB investigate TransUnion for non-compliance, compel them to fulfill their legal obligations, and ensure the fraudulent information is promptly blocked and removed from my credit file. 

Attached are my proof of submission and any relevant screenshots or confirmation numbers from the TransUnion portal. 

Thank you for your attention to 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 non-monetary relief
Consumer complaint received 2025-06-21 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: SC

Complaint narrative:
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 you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Meridian Financial Services, Inc.
State: FL

Complaint narrative:
I am filing this second complaint against XXXX XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX. 

Meridian reported a collection account to the credit bureaus that I had already disputed. I had not received any written notice about this debt because Meridian had been sending correspondence to an outdated address ( 2 years old ), and I never received proper notice. As a result, I was denied my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ).

Furthermore, although they claim to have marked the account as disputed in the credit report, the account has caused damage to my credit score of XXXX even though I had formally disputed the validity of the amount of the debt. Reporting a disputed and unvalidated debt to the credit bureaus, especially when the consumer was not properly notified, is both misleading and a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and ( a ) ( 3 ).

I sent Meridian a formal dispute for the amount of the debt because I never received any communication from them. They still refuse to work with me.

I am requesting that the CFPB investigate this matter and take appropriate enforcement action if violations are confirmed.

I want Meridian Financial Services to : Remove the collection account from all credit reporting agencies Allow me to settle this debt ( as I have asked them numerous times ) for the proper amount due of {$530.00} since I never received notification of this debt ( they were sending to a 2 year old address and never made any effort to reach me ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am filing a formal complaint against Capital One Auto Finance regarding an auto loan account that appears on my XXXX  credit report as of XX/XX/XXXX. The account shows a status of " charged off, '' with {$19000.00} written off and a current balance of {$20000.00} past due. 

This account was originally opened on XX/XX/XXXX, and closed following the alleged charge-off. I have made a lawful request via Conditional Acceptance for Value, asking Capital One Auto Finance to disclose the chain of title to this alleged debtspecifically identifying any assignments, sales, or transfers of ownership, including securitization activities. 

To date, they have failed to provide any documentation or respond in writing, even though I conditionally accepted their claim upon proof of ownership and rights. This refusal obstructs my ability to determine whether Capital One maintains standing to report or collect on this account. 

If they can not prove ownership, they may be : Reporting on a debt they no longer legally own ; Failing to issue required IRS Form XXXX after writing off the debt; Concealing potential disposition under IRS Form XXXX ; Withholding disclosure of asset transfers subject to IRS reporting and tax obligations. 

This lack of transparency is not only misleading under the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ), but may also amount to tax fraud or evasion. I reserve the right to submit IRS Forms XXXX, XXXX, XXXX, and Form XXXX to investigate these violations if a proper chain of title is not disclosed. 

I ask the CFPB to compel Capital One Auto Finance to provide the full and accurate chain of title for this debt, and to verify whether they have the legal right to report or collect under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
I have about {$300.00} tied up on coinbase. When I try to withdraw using my valid debit card they tell me it is an invalid payment option and when I try to add a new payment method I am unable to do so. I have gone back and forth with their customer service for months. At one point they locked my account for 2 months. I have once again tried to withdraw my money and I am unable to do so. This is very frustrating and the company does not help whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Google Compare Credit Cards Inc.
State: WA

Complaint narrative:
Google does not have a billing dept accessible to the general public for correcting double billing charges for XXXX XXXX subscription on my XXXX  credit card. I have been struggling for over 2 months, since the first week of XXXX, with a google technical rep by email to resolve this - with no satisfaction whatsoever. I've contacted the XXXX  card center and disputed the double charges. However, there seems to be no end to this billing error madness. I have also sent the tech rep, at his request, a copy of my last statement against my better judgment. I feel absolutely helpless in this futile effort. I hope you can help to resolve this billing error.

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 2025-06-21 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: AL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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