vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MN

Complaint narrative:
I am a victim of identity theft by my sister-in-law, who fraudulently opened an XXXX account in my name without my knowledge or consent. That fraudulent debt is now being reported and collected on by Jefferson Capital Systems. 

I have contacted Jefferson Capital Systems multiple times and provided proof that I did not authorize or open this account. I submitted an FTC Identity Theft Report through identitytheft.gov, along with supporting documentation, and clearly explained that this account is the result of fraud committed by my sister-in-law. Despite this, Jefferson Capital continues to report and attempt to collect on the debt. 

They have not provided any contracts, applications, or signed documentation linking me to this XXXX account. Their continued reporting and collection efforts are a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). They are attempting to collect a debt that is fraudulent and unverifiable. 

These actions have caused serious harm to my credit reports, financial standing, and personal well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

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 four 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 : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 US 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 non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
Id like to report to the Consumer Financial Protection Bureau that I had a car financed by the American [ Accept ] Company. Due to a medical issue, I couldnt make the payments, so I voluntarily called them and asked them to repossess the car. They repossessed it, and at the time I owed {$29000.00}. Apparently, theyve now sold the car, and my remaining balance is down to {$13000.00}. However, my credit report still shows the original {$29000.00} even after XXXX months. Ive contacted the credit reporting agency and told them they need to update it, but they say the lender has to do it. When I try to reach the lender, they dont respond. I want to tell the CFPB that I need the status of my loan corrected so it reflects that my remaining debt is now {$13000.00} instead of {$29000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally notify you that I am a victim of the recent data breach, and I am requesting that all accounts related to my personal information be blocked and deleted in accordance with 15 USC 1681c-2 ( a ), as outlined under the Fair Credit Reporting Act.

Due to the breach, my personal data may have been exposed, and I am concerned about potential misuse of this information. Therefore, I respectfully request that you : 1. Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised.

Account name : XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$760.00} Account name : XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00} Account name : XXXX Account number : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$3600.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am the victim of identity theft, and the XXXX XXXX account ending in XXXX is fraudulent. I did not open, authorize, or benefit from this account. I have already filed an FTC Identity Theft Report and provided supporting documentation. Under the Fair Credit Reporting Act, 15 U.S.C. 1681c-2, the credit bureaus are required to block this account from my credit file within XXXX business days. I am requesting that Experian, Equifax, and TransUnion immediately remove and block this account, notify XXXX XXXX of the identity theft, and ensure the account is not reinserted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Wells fargo illegally took funds from my account for products I did not authorize. I have went through pre mediation with them last year. I am not satisfied with the outcome. I would like additional compensation for my time spent on research, interest fees that may have occurred. Plus emotional and financial harm.

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Request for Debt Validation ( Account No. XXXX XXXX XXXX XXXX XXXX ) Dear XXXX XXXX Bank, Upon receiving my recent Credit report, I found information regarding an alleged debt that is being claimed against me referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of this debt.

Please provide : 1.The name and address of the original creditor.

2. The amount of the alleged debt, including a breakdown of principal, interest, fees, or other charges.

3. Copies of any judgment, contract, agreement, or other documents that you claim support your right to collect this debt.

4. Proof that you are licensed to collect debts in my state.

5. The date of last payment or activity on the account. 


Until you provide this information, you must cease all collection activities including reporting to credit bureaus. If you continue without validating this debt, I will consider it a violation of the FDCPA and will report your conduct to the Consumer Financial Protection Bureau ( CFPB ), my state Attorney General, and other appropriate authorities. 

This letter is not a refusal to pay but a request for validation. Please note that any further communication regarding this matter should be in writing. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to the account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On the XXXX, PNC Bank electronically processed an authorization from my account for a credit card payment to another company. PNC Bank did not follow their policy by utilizing my overdraft protection, and they ignored their own policy of allowing the customer time to transfer funds into the account to make it clear. Both representatives I spoke with on the phone was not sure why they returned the funds as well. They stated they would escalate this issue in which I will now be charged from the credit card a company, a returned payment fee. If PNC can not tell me why they returned the payment for XXXX, when funds were available in the accounts, they are now responsible for paying the company for there error. They are now going to try to cover there tracks to prevent this from being a mistake on there end and blame me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: MN

Complaint narrative:
I am a victim of identity theft by my sister-in-law, who fraudulently opened a XXXX  XXXX  account in my name without my knowledge or consent. That fraudulent debt is now being reported and collected on by XXXX XXXX XXXX. 

I did not open this account, nor was I ever aware of it until it appeared on my credit reports. I have submitted an FTC Identity Theft Report through XXXX along with supporting documentation, and I have disputed this account with the credit bureaus. I have also provided proof showing this debt is not mine. Despite this, XXXX XXXX XXXX continues to report and attempt to collect on this fraudulent account. 

XXXX XXXX has not provided any signed applications, contracts, or documentation showing I authorized or opened this account. Their continued reporting and collection activity is a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). They are pursuing a debt that is fraudulent, unverifiable, and directly tied to identity theft. 

This continued reporting has caused harm to my credit, finances, and overall well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lloyd & McDaniel, PLC
State: GA

Complaint narrative:
It started on XXXX XXXX XXXX I called and the person handling my account was rude. She said she would fax the letter over and never received the letter. So I called back on XXXX XXXX to be transferred back over to her only to get a voicemail. I called back later that day and was put on hold for over XXXX hours and then hung up on. So I called back which is now XXXX XXXX to talk to another lady who said there was an issue on there end she was taking it to a XXXX and I would receive the fax today. Well I waited XXXX hours and didnt receive the fax. So I called back to do a call back number and waited over XXXX hours again and then they closed. In the mean time waiting for them to call me back I called the lady XXXX times trying to get her on the phone and left a voicemail. I have left her a total of XXXX voicemails in XXXX days and she has not called me back. I am needing to payoff this debt to close on my house and now that got delayed because of them not getting me the letter. So this has caused me XXXX  and XXXX  heading into XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to address a matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) Section 609 by the credit bureaus. I submitted a complaint to the credit bureaus regarding inaccuracies in my credit report, as per FCRA guidelines. According to the FCRA, the credit bureaus are legally obligated to respond within XXXX  days of submission. However, it has now been more than XXXX  days since my complaint was filed, and I have not received any response from the credit bureaus. As per FCRA rules, this failure to respond within the stipulated timeframe warrants the removal of the disputed negative items from my credit report. I kindly request that the credit bureaus address this issue promptly and take the necessary steps to rectify my credit report in accordance with FCRAregulations. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: CrossCountry Mortgage LLC
State: MI

Complaint narrative:
Hi, dear Sir/ Madam, I am a mortgage loan customer of Cross Country Mortgage. I got a loan around {$590000.00} from it to purchase a home in XXXX, North Carolina last XXXX. They charged me very high interest rate, high fees and put a very bad prepay penalty of 5 % ( first year prepay ) on it. After the loan was closing on XXXX, I struggled to pay the monthly payment then had to sell the house in XXXX XXXX  They charged me almost {$30000.00} prepay penalty.

Please help me get my big money back from Cross County Mortgage.

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc.
State: UT

Complaint narrative:
I am submitting this complaint regarding a collection account reported by National Credit Systems ( Account # XXXX ) that appears inaccurately on my credit report.

This account is reporting inconsistent balances and conflicting delinquency dates, which violates the Fair Credit Reporting Act ( FCRA 607 ( b ) ), which requires furnishers to report information with maximum possible accuracy. 

Additionally, National Credit Systems has failed to provide any documentation verifying ownership of the alleged debt despite multiple requests. Under FCRA 623 ( a ) ( 3 ), furnishers are required to correct and update information that is incomplete or inaccurate. Furthermore, under FCRA 611 ( a ), any information that can not be verified must be removed. 

I am requesting that the CFPB investigate this matter and ensure that National Credit Systems either fully validates the debt with proper documentation or removes the unverifiable account from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I am submitting this complaint regarding two accounts listed on my credit report from Midland Credit Management : XXXX XXXX XXXX  Account Number : [ Insert Account Number ] Amount : {$650.00} XXXX XXXX XXXX XXXX Account Number : [ Insert Account Number ] Amount : {$410.00} These accounts are negatively affecting my credit score. I believe they may be inaccurate or unverifiable. I request that Midland Credit Management provide documentation validating these debts. If they can not verify them, I ask that they be removed from my credit report under the Fair Credit Reporting Act ( FCRA ).

I am actively working to improve my credit in preparation for a home refinance. Ive already made payments toward these accounts and am seeking clarity and resolution. Please investigate and respond accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute unauthorized accounts on my credit report. These accounts were opened without my knowledge, consent, or authorization, violating the Fair Credit Reporting Act ( FCRA ).

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 2025-09-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
I had two accounts with AFFIRM for purchases I made online shopping. One account had a balance of XXXX and I tried to pay but it would not allow me to. I called and didn't receive help. It wasn't until my account was charged off until I was notified I owed more than XXXX. My online account did not show the {$180.00} that I owed. This account was paid in full.

Company response to consumer: Closed with explanation