vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: CA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature.

The complete payment history and itemized breakdown showing how the alleged balance was calculated.

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
I am submitting this complaint because multiple fraudulent accounts, late payment records, a collection, and unauthorized hard inquiries were added to my credit report as a result of identity theft. 
I filed an official FTC Identity Theft Report ( FTC Report Number : XXXX ), which is attached along with my ID, SSN, proof of address, and complete credit reports.

Under 15 U.S.C. 1681c-2, the credit bureaus are required to block all identity-theft-related information within FOUR business days once the identity theft report is submitted.

The following items are fraudulent and must be blocked and removed : 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  Unauthorized hard inquiries from XXXX ( XX/XX/year> ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These items were not opened or authorized by me and are harming my ability to obtain credit. I have provided all required documentation, and I am requesting immediate blocking and deletion as required by law.

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 2025-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit Management is attempting to collect a debt that I have no knowledge of. Additionally, the company has associated me with an address at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX address with which I have never had any affiliation or residence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: AL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-11-17 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
This is regarding Barclays credit card. 
There were list of fraud charges back in year XXXX so I called Barclays credit card fraud department and after several attempt, the issue was finally resolved in XXXX of XXXX. My statement showed XXXX balance. 
However, in XX/XX/XXXX 's statement, there are XXXX fraud charges re appeared in my statement showing balance of {$2200.00}. 
I had to call fraud department and every time I called, they all advised me that it would take 30 days or 10 days to resolve issues, which has NOT happened till now, XXXX, XXXX, XXXX. 
This is the worst customer service of credit card company I've ever experienced. 
They should be accountable of fraud related issue, but it sounds like they are kicking the cans each other.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
My account with EQUIFAX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
My spouse and I opened XXXX savings accounts with Open Bank by Santanderone on XX/XX/XXXX and another on XX/XX/XXXX. We opened the accounts the proceeds of the sale of our home, approximately {$250000.00} We are living in a rental unit. Last week we entered into contract to buy another home. We need the money to buy this home. When we opened the accounts we were sold on the fact that we could remove the funds at any time without limit. Last week when attempting to withdraw the funds from the account we were notified that the withdrawal limits have changed to a maximum of {$10000.00}. per day. I spoke with XXXX at XXXX by XXXX ( ObS ), XXXX at XXXX, and then XXXX at XXXX. All of them denied any means of withdrawing anything more than XXXX per day. The only alternative they offered was to have a cashiers check mailed. They all indicated it could take up to 30 days. Subsequently, a bank XXXX at another financial institution told me to call back and ask for an expedited cashiers check. I called back and spoke with XXXX at XXXX at XXXX on XX/XX/XXXX. She very firmly indicated I could get closure of the account in XXXX business days and a cashiers check mailed out within another XXXX business days. I was pleased to learn this. Unfortunately this did not turn out to be factual. I received a number of texts and emails from XXXX that stated that my request to close the account has been received but I would need to withdraw all the funds within XXXX hours or they would not close the account. On XXXX/XXXX I called to clarify with XXXX at XXXX. He stated that the information XXXX provided was still factual. He told me to disregard the emails and texts. Both XXXX and XXXX told me that I would receive an email within 2 days, confirming of my requests and giving me a receipt of the check I would receive sent by XXXX in another 2 days. On XX/XX/XXXX haveing not received such an email, I called and Spoke with XXXX at XXXX. XXXX told me that I would need to wait until XXXX for a confirmation of my request to close the account and another 2 days to receive the check. I need this money to pay for my home that I am in contract to buy. I am not getting congruent answers as to when I will receive my funds. I was lured into opening this account under the promise that I could withdraw the money when I need to. My money is being held by this bank. I asked XXXX if I could speak with a XXXX. He said there is no XXXX available. He stated he will put in a request for a XXXX to speak with me and informed me that I will need to wait as long as 5 days to hear bakc from a XXXX. Are these actions legal?

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 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These are inaccurate items. They show as late payments.

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 2025-11-17 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: MI

Complaint narrative:
XXXX collection accounts are reporting inaccurately on all three credit bureaus ( Experian, Equifax, and TransUnion ). I disputed these accounts, but they were not properly investigated or corrected. Under FCRA 611 ( 15 U.S.C. 1681i ) I have the right to a complete and reasonable reinvestigation. Under FCRA 607 ( b ) furnishers and bureaus must report information with maximum possible accuracy. These accounts are not being properly verified

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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:
I received an alert from my credit monitoring service on XX/XX/year> that XXXX has XXXX reporting incorrect monthly payments. I spoke with a XXXX  Representative XXXX on this date and he instructed me to submit a dispute to ALL credit bureaus and they will confirm the noted inaccuracy. 

The specific item I am disputing is the student loan from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Payment Information Current Amount Due : {$0.00} Monthly Payment Amount : {$310.00} Status : FORBEARANCE This item is inaccurate because the monthly payments are being reported incorrectly. Specifically, the reported payment amount of {$310.00} is incorrect ; the actual payment is {$0.00}. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to have information that is inaccurate be removed. I am requesting that you contact/conduct a reinvestigation of this item and request that XXXX XXXX XXXX XXXX XXXX, verify the accuracy of the information it is providing.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I received an alert from my credit monitoring service on XX/XX/year> that XXXX has XXXX reporting incorrect monthly payments. I spoke with a XXXX  Representative XXXX on this date and he instructed me to submit a dispute to ALL credit bureaus and they will confirm the noted inaccuracy. 

The specific item I am disputing is the student loan from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Payment Information Current Amount Due : {$0.00} Monthly Payment Amount : {$310.00} Status : FORBEARANCE This item is inaccurate because the monthly payments are being reported incorrectly. Specifically, the reported payment amount of {$310.00} is incorrect ; the actual payment is {$0.00}. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to have information that is inaccurate be removed. I am requesting that you contact/conduct a reinvestigation of this item and request that XXXX XXXX XXXX XXXX XXXX, verify the accuracy of the information it is providing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date : XX/XX/XXXXXXXX  To : ( send separately ) Trans Union LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Bankruptcy Entry Under FCRA Dear [ Experian/Equifax ] Dispute Department, I am writing to dispute the accuracy of a XXXX  XXXX bankruptcy appearing on my credit report. 
The entry contains discrepancies and incomplete information, including The entity is reported on Experian and Equifax but not on TransUnion. 
inconsistent reference numbers ( XXXX XXXX XXXXXXXX ) XXXX vague or incomplete court identification ( Federal versus XXXX XXXXXXXX XXXX XXXX XXXXXXXX ), and missing financial data ( assets, liabilities, and exempt amounts reported as {$0.00} ). 

Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], you are required to ensure the maximum possible accuracy of any item you report.

As such, I am requesting a reinvestigation of this entry in accordance with FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ]. If the listing can not be fully verified, it must be deleted per 611 ( a ) ( 5 ). Furthermore, under 609 ( a ) ( 2 ) [ 15 U.S.C. 1681g ( a ) ( 2 ) ], I request full disclosure of the source of the information used to report this bankruptcy, including : The name and contact information of the person or entity who verified the entry The method of verification ( e.g., XXXX, XXXX, or third-party source ) The documentation relied upon for verification The name and address of the court that allegedly provided the information I have contacted the { U.S. Bankruptcy XXXX XXXX XXXX XXXX California XXXX XXXX XXXX  XXXX XXXX and confirmed that they do not furnish or verify records with credit reporting agencies, which further calls the accuracy and verification of this listing into question. If this item was verified using a third-party such as XXXX, please ensure compliance with FCRA 611 ( b ), which requires forwarding all relevant information to them as part of the reinvestigation. 

If you fail to respond within 30 days or refuse to provide the requested verification details, I will consider this a violation of my rights under the FCRA and will file formal complaints with the Consumer Financial Protection Bureau and other appropriate regulatory agencies. 

Thank you for your prompt attention to this matter. I expect a written response in full compliance with federal law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I have been a Wells Fargo customer for 35 years. On Thursday, XXXX [ insert date ], I noticed that a check I wrote for {$1400.00} was entered incorrectly by Wells Fargo as {$14000.00} nearly {$13000.00} more than the correct amount. 

I immediately contacted Wells Fargo while the transaction was still pending to report the error. The representative told me to contact the bank that deposited the check. I did that the same day, and the other bank confirmed they had submitted a correction with the Federal Reserve. 

Despite this, Wells Fargo allowed the incorrect amount to clear the next day. This caused my checking account to go negative by over {$500.00} and drained every dollar from my savings account to cover the mistake.

I filed a claim immediately, but Wells Fargo told me it could take up to 10 business days to resolve leaving me with zero access to my own money in the meantime.

This error has caused significant and unnecessary hardship. Because Wells Fargo failed to act responsibly after being notified, I was unable to send out about {$1000.00} in bill payments, had to take a full day of paid time off from work to handle the situation, and had to cancel a planned vacation over the weekend because I had no funds available. I have repeatedly requested escalation to a supervisor or higher authority, but have been told that nothing can be done until the claim finishes processing. This is unacceptable given that I reported the problem before the check cleared, and the other bank had already issued a correction through the Federal Reserve.

Wells Fargos handling of this issue has been negligent, dismissive, and damaging to me financially and personally.

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 2025-11-17 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: PA

Complaint narrative:
I did not authorize or make these inquires please remove these immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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