vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kohn Law Firm S.C.
State: IL

Complaint narrative:
XX/XX/year> Kohn Law Firm XXXX XXXX 
Attn : Dispute/Debt Validation Department XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Proof of Ownership, Assignment, and Securitization of Debt Reference # XXXX Dear Sir or Madam, I recently received a debt collection notice from your office. Im disputing the debt due to Ive requested information below from XXXX XXXX XXXX and have yet to receive. I have records of letters I sent certified mail. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. Proof of Ownership of the debt, including the original contract between the original creditor and myself, as well as the complete chain of assignment showing how the debt was transferred to you.

2. Securitization Documents, including the Pooling and Servicing Agreement ( PSA ) or similar documentation that demonstrates the debt was included in any securitization pool.

3. Right to Collect : Documentation proving that you have the legal right to collect on this debt, and that all assignments or transfers were properly conducted.

4. Detailed Account Information, including the breakdown of the debt amount and any charges, interest, or fees applied.

As a reminder, under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), you are required to provide validation of the debt within 30 days of receiving my original letter.

Failure to Respond or Provide Proof of Ownership is a Violation of the FDCPA : Under 15 U.S.C. 1692g ( b ), you are required to cease collection efforts until you provide the requested validation of the debt. Additionally, under 15 U.S.C. 1692f, continuing collection activity without proof of ownership and the legal right to collect is an unfair practice, and I would consider it a violation of the FDCPA.

If you can not validate the debt, I request that you delete the account from my credit reports and cease reporting any negative information related to this debt to the credit bureaus. I will also file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General.

Thank you for your immediate attention to this matter.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: SC

Complaint narrative:
This letter serves as a formal dispute and deletion demand under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

Upon reviewing my credit file, I discovered a collection entry being reported by XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, in the amount of {$450.00}. 

I have never received any written notice, contract, or document bearing my signature verifying that this debt belongs to me. Nor have I ever authorized XXXX XXXX to collect or report any alleged account in my name. 

Under 15 U.S.C. 1692g ( b ), a debt collector is required to provide validation of the debt, including a copy of the original signed agreement and proof that proper written notice was given before reporting to any consumer reporting agency.

Because no such proof or notice has been provided, this entry is unverified and constitutes inaccurate reporting under federal law.

Therefore, under 15 U.S.C. 1681i ( a ) and 1681s-2 ( b ), I am demanding that your bureau conduct a full reinvestigation of this account and delete it immediately unless XXXX XXXX provides : 1. A copy of the original signed agreement or contract with my signature ; 2. Proof that proper written notice of this alleged debt was sent to me before reporting ; and 3. Documentation verifying XXXX XXXX legal right to collect and furnish this account. 

If this information can not be validated within the 30-day period mandated by law, this account must be deleted from my credit report immediately.

Failure to comply constitutes willful noncompliance under 15 U.S.C. 1681n, which carries penalties including statutory damages, costs, and attorneys fees.

Please send written confirmation of the deletion or full validation results to my address listed above. 

Sincerely, 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 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Date : XX/XX/year> To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Identity Theft and Credit Report Dispute Request for Investigation and Removal of Inaccurate Accounts Attention Equifax Dispute Department , I am writing to formally notify you of potential identity theft and inaccurate reporting on my Equifax credit file. During a recent mortgage application, I was alerted to a discrepancy between the Equifax score reported to my lender and the score displayed on the Equifax website. 
Upon contacting Equifax on XX/XX/year>, I was informed that I may have been a victim of fraudulent activity or identity theft, and that my personal information may have been compromised. I was instructed to provide supporting identification documents to verify my identity.

Enclosed are copies of the requested identification documents ( drivers license, Social Security card, and proof of address ). Please use these materials to verify my identity and conduct a comprehensive investigation of the disputed items referenced in the attached letter.

This dispute is being filed under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ) : Requiring consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of information.

15 U.S.C. 1681a : Defining consumer report and the standards for data accuracy and proper association with the correct consumer.

Please confirm receipt of this letter and provide written notice of the results of your investigation, along with an updated copy of my corrected credit report.

Thank you for your prompt attention and cooperation.

Sincerely, 1. Copy of drivers license 2. Copy of Social Security card 3. Proof of address ( utility bill or bank statement ) 4. Formal dispute letter listing inaccurate/fraudulent accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard XXXX not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Store and credit card accounts was originally opened up in 2021, as XXXX : XXXX XXXX, XXXX  XXXX : XXXX XXXX, the original creditor sold the debt, and was therefore paid in full. From these facts, the new Creditor has the open dates and payment dates wrong. Credit report has errors in dates and amounts because of this. To operate and Re-age charge-offs are a violation according to USC 1681 .

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I made a cash deposit in the ATM, I left my card and then after that I noticed a large transaction trying to be made from my account at a grocery store, I got an email asking did I authorize the transaction i said no and next i called my bank immediately. I filled a fraud claim because I did not authorize that transaction. Now the bank closed my account and is not telling me about when I should be expecting to get a check for my claim that I filled

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: TX

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, CHALLENGEDORNOT.

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 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard XXXX not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
This letter serves as a formal dispute and deletion demand under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

Upon reviewing my credit file, I discovered a collection entry being reported by XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, in the amount of {$450.00}. 

I have never received any written notice, contract, or document bearing my signature verifying that this debt belongs to me. Nor have I ever authorized XXXX XXXX to collect or report any alleged account in my name. 

Under 15 U.S.C. 1692g ( b ), a debt collector is required to provide validation of the debt, including a copy of the original signed agreement and proof that proper written notice was given before reporting to any consumer reporting agency. 
Because no such proof or notice has been provided, this entry is unverified and constitutes inaccurate reporting under federal law. 

Therefore, under 15 U.S.C. 1681i ( a ) and 1681s-2 ( b ), I am demanding that your bureau conduct a full reinvestigation of this account and delete it immediately unless XXXX XXXX provides : 1. A copy of the original signed agreement or contract with my signature ; 2. Proof that proper written notice of this alleged debt was sent to me before reporting ; and 3. Documentation verifying XXXX XXXX legal right to collect and furnish this account. 

If this information can not be validated within the 30-day period mandated by law, this account must be deleted from my credit report immediately.

Failure to comply constitutes willful noncompliance under 15 U.S.C. 1681n, which carries penalties including statutory damages, costs, and attorneys fees.

Please send written confirmation of the deletion or full validation results to my address listed above. 

Sincerely, 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 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This a follow up complaint against Equifax. They are still refusing to remove the hard inquiry made by XXXX XXXX on XX/XX/year>. After sending them Identification documents AND a copy of a letter of XXXX confirming the inquiry was fraudulent they still denied it and wont remove the inquiry. This is the last step before I take legal action against Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: MO

Complaint narrative:
I called XXXX XXXX because I was applying for another apartment when I was denied due to rental history. I was then told I need to send an email to XXXX. I hadn't received a message after 72 hours. When I called again I was given the same answer to email that person. When I told the woman I haven't received an email since the last time and when should I expect it she stated you'll get the email when you get one. I still have yet to receive a message from this email and I no longer feel comfortable paying them since I never received a notice that I had a debt going into collections from this company. Nor have I received any other attempts

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 2025-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: VA

Complaint narrative:
I froze my account a while ago due to scam text messages I was getting about someone getting into my account. Since then Ive tried to unfreeze the account for weeks and I keep getting told that theyre reviewing it and verifying. Ive uploaded all the necessary documents multiple times for them to just stop responding - sometimes even saying that I havent uploaded the documents or that I havent responded. I have many open claims and no one to respond to any of them. Theyll tell me theyre working on it, get back to me with 1 follow up email, then never talk about it again. Ive been doing this since XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: MD

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard XXXX not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My last credit card payment was made to the bank XX/XX/XXXX experience is listing it as XX/XX/XXXX. They will not allow me to access the dispute center online I can only dispute it on the phone in which case I won't be able to provide any supporting documents. 

Experian said they can not change the dates that was submitted by XXXX  only tchme could change them I contacted the XXXX they said all the information that I provided to them was accurate and they would notify the credit bureau for reporting the wrong information. 

The next day instead of my payments last being made in XXXX which is what it said at first now it said my last payment was made in XX/XX/XXXX. 

So although my credit card payments are made until XX/XX/XXXX Experian is putting it on my report as XX/XX/XXXX. They will not let me file a dispute online and XXXX will no longer reply to my emails In XX/XX/XXXX I switched phone carriers from visible to XXXX XXXX That month I paid visible and XXXX XXXXXXXX both. I never paid visible again because I closed the account. Keeping visible on my credit report as an unpaid bill which is impacting my credit score. If I remove the visible Bill it'll impact my credit score cuz they'll take off the credit that I had for the previous payments I made. 
Even though I owe visible no money and they can see that since that month I've been paying XXXX XXXXXXXX they won't remove visible without lowering my credit score and if they keep it on there it's lowering my credit score. I'm not getting any credit for my XXXX XXXXXXXX bill I'm paying every month since 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 2025-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: U.S. BANCORP
State: CA

Complaint narrative:
Upon the opening of my account on XX/XX/XXXX, I have dealt with extreme negligence at the hands of US Bank. I gave an employee my card information to fund my account to find nothing had been submitted and an employee now just had my card information. This has caused significant financial distress as I have received XXXX paychecks I havent been able to cash with US bank seeing as I work a XXXX and cant come into the bank, I have been working with online prompts. On XX/XX/XXXX, I spoke with an employee regarding my PIN. I was informed I required a pin at the ATM but I was never sent one. I then look at the paperwork that I received my card with and it says that I can create my own pin. I go to do that and I find that I already have a pin. Which is odd because I was told I could create one and I havent received anything in the mail. This is negligible

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 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My information was compromised at TransUnion. I received a letter from TransUnion informing me of the compromise. As a result, TransUnion offered 2 years of credit monitoring through XXXX. When I tried to sign up for this service, I experienced numerous technical issues. 

I called the phone number provided on the letter and the XXXX, but received the run around. The people who answered the call informed me that I dialed the wrong number only to give me the exact same number to call. 

I have escalated to supervisors, tech department, and even submitted a letter to TransUnion ( per their request ) to rectify the issue. After all of this, I am still unable to access the monitoring services. 
I have probably spent more than 10 hours on hold and with TransUnion tech support to try and rectify but to no avail. There is absolutely no accountability at this firm and no respect for people 's time nor personal information.

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