vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 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:
XX/XX/XXXX These items reporting on my credit report is also past the XXXX year statue of reporting and thus needs to be removed. 

None of the XXXX accounts/INQUIRIES below is tied to any of my XXXX they were all XXXX opened. By FTC and FCRA these ACCOUNTS MUST BE REMOVED WITHIN XXXX  DAYS OF RECEIPT OF NOTICE Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are XXXX and as i stated needs to be removed. 

Under XXXX Sec XXXX Under XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( b ) XXXX XXXX XXXX ( A ) UCC XXXX Part XXXX, and FCRA XXXX accounts were already disputed and passed timeframe of removal from XXXX XXXX  Credit BureauXXXX XXXX  EquifaxXXXX XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was XXXX  in XXXX  data breacheXXXX XXXX XXXX EquifaxXXXX XXXX XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reportXXXX and am writing to dispute the following XXXX information that appears on my EquifaxXXXX XXXX XXXX XXXX report. 

These addresses nor accounts are tied my Equifax report and these illegal items needs to be removed Immediately. This is seriously causing a delinquency on my score. These accounts are not listed on my XXXX  ON MY EQUIFAX AND NEEDS TO BE REMOVED ASAP! 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under XXXX XXXX. Sec. XXXX ( a ), XXXX, XXXX, XXXX, you must complete this reinvestigation within XXXX days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under XXXX XXXX XXXX, XXXX, XXXX, XXXX these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX EquifaxXXXX XXXX XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureauXXXX 

Sincerely, XXXX XXXX XXXX XXXX Bank XXXX XXXX {$3400.00} Date Opened XX/XX/XXXX XXXX XXXX Bank XXXX XXXX {$740.00} Date Opened XX/XX/XXXX * * Inquiries * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ALLIANT CREDIT UNION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject: Debt Validation Request \n\nAlliant Credit Union,\n\nI am writing to request validation of a debt that you are claiming I owe, as per my rights under the Fair Debt Collection Practices Act (FDCPA).\n\nSpecifically, I am requesting that you provide the following information:\n\n1.  **Documentation of the Debt:XXXX Please provide copies of any original agreements or contracts that show I am obligated to pay the amount you are claiming.\n2.  **Name and Address of the Original Creditor:** Please specify who the original creditor was and their address.\n3.  **Itemized Breakdown of the Debt:** Provide a detailed breakdown of the total amount owed, including interest, fees, and any payments made.\n4.  **Verification of the Debt's Age and Validity:** Please provide the date the debt became delinquent, the original amount owed, and information about any interest added or fees charged.\n5.  **Proof of Authority to Collect:** Please provide information on your license to collect debts in my state, including the name and address of the issuing agency.\n6.  **Statute of Limitations:** Please provide information on whether the debt is within the statute of limitations and how you determined that.\n\nI am disputing this debt and requesting verification of the information you have provided. I need to be able to verify that I am indeed the party you are asking to pay this debt, and that there is some contractual obligation that is binding on me to pay this debt [XXXX XXXX XXXXPlease provide the requested information within XXXX XXXX of receiving this letter. If you fail to provide the requested information, I will consider the debt disputed and will take appropriate action to protect my credit and legal rights [2, 4, 5].\n\nSincerely,\n\nBrittany B. Goodwin"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Account Number XXXX Balance : {$270.00} Open Date XX/XX/XXXX, XXXX XXXX Account Number XXXX Balance : {$150.00} Open Date XX/XX/XXXX, XXXX XXXX Account Number XXXX Balance : {$890.00} Open Date XX/XX/XXXX, XXXX XXXX XXXX Account Number XXXX Balance : {$17000.00} Open Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Account Number XXXX Balance : {$1300.00} Open Date XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Balance {$770.00} Open Date XX/XX/XXXX, XXXX XXXX Account number XXXX Balance {$580.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX Balance {$550.00} Open Date XX/XX/XXXX 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

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 2025-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
Used Cash App to pay for services. Money was deducted from my XXXX account but recipient never received the money. Contacted both Cash App and my bank ( XXXX ) but neither would provide assistance. The amount was {$770.00} and was paid on XX/XX/year>. I am XXXX This money was paid to a XXXX and I can not afford to lose {$770.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: GA

Complaint narrative:
IC System is reporting negative reports on my credit history the information is out dated and incorrect.

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 2025-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I contacted my bank using the official customer service phone number. During the automated system, I was prompted to enter my full debit card PIN as a method of identity verification. I find this deeply concerning, not only from a security standpoint, but from the standpoint of what this trains customers to accept. 

In todays climate, where scam calls and phishing attempts routinely mimic legitimate bank phone systems, asking customers to enter a full PIN sets a dangerous precedent. These systems are nearly indistinguishable from the real thing, and if consumers become accustomed to entering sensitive credentials into automated menus, it creates a perfect storm for fraud and identity theft. 

While the system offered the option to enter a separate phone password, there was no clear or easy way to bypass this and speak to a representative directly. This is problematic. Customers should never feel forced to enter a debit card PINarguably one of the most sensitive pieces of financial datajust to proceed in a phone menu. 

Most banks publicly state that they will never ask for a full PIN for good reason. Its a basic principle of consumer protection. This practice not only goes against that principle but increases the likelihood that someone will fall for a scam that sounds exactly the same. 

This is not a trivial issue. Its a systemic risk, and Im filing this complaint so that consumer protections can be strengthenednot erodedby the very systems designed to serve us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In late XX/XX/XXXX, while traveling abroad in XXXX, XXXX, my phone, debit card, and credit cards were stolen. I used my card digitally and did not initially notice suspicious activity, but shortly after, I discovered multiple fraudulent transactions on my Bank of America account. I immediately contacted the bank, froze the compromised account, and opened a new one. 

I was out of the country at the time and have been abroad since XX/XX/XXXX. Upon reviewing my account, I identified numerous unauthorized charges and ATM withdrawals totaling {$3700.00}. The fraudulent activity spanned both XXXX, XXXX and XXXX XXXX, XXXX. I was able to work with Bank of America to resolve many of the fraudulent charges ; however, my claim for reimbursement of the ATM withdrawals was denied. 

Bank of America cited the use of the chip and PIN as the reason for denial, implying authorized use. However, my PIN was stored on the phone that was stolen, along with saved login credentials to my banking apps and email. Whoever stole my phone and card had access to sensitive personal and financial information, including the PIN required to perform ATM transactions. 

I am a graduate student, and the funds in my account are federal student loan disbursements intended to cover my basic living expenses while I pursue my studies. The loss of these funds and the denial of my claim have caused serious financial hardship. I have already done my part to report the fraud, close the affected accounts, and open new secure ones.

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 2025-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/year>, I went to the branch, asking about giving me a temp check to verify a cancelled check for this account, and I have never received any check since the account opening. So when I asked them why I never received a check on XX/XX/year>, they said we can order it now. I said ok and I thought this is part of the welcome package for account opening, I was not told or aware there is a XXXX fee for check until they charged me and reflected on my account balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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 a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : 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 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 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 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 2025-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Office of Michael J. Scott, PC
State: MD

Complaint narrative:
This is my sixth formal complaint to the Consumer Financial Protection Bureau against XXXX XXXX XXXX, XXXX ( XXXX ) and their affiliated law firm, Scott & Associates. Despite repeated written requestsfive to XXXX and at least two to Scott & Associatesfor proper validation of an alleged debt, neither entity has provided the legally required documentation to prove ownership or standing to collect.

I have clearly and repeatedly demanded : - A complete chain of title or assignment history of the debt from the original creditor to XXXX ; - The Forward Flow Agreement or any signed agreement proving XXXX owns this specific account ; - A signed agreement between XXXX and XXXX or any document that explicitly ties my alleged account ( ending in XXXX ) to the transaction described in the generic 'Bill of Sale and Assignment. ' Instead of fulfilling these obligations under the FDCPA and FCRA, XXXX and Scott & Associates continue to send recycled billing statements and a form letter from 'Your XXXX Team XXXX that contains no signature or legal authenticity. The so-called Bill of Sale makes vague reference to XXXX XXXX XXXX XXXX accounts ' but does not list any specific account number that can be tied to me. The Exhibit provided refers only to a batch file, with no unique identifier or metadata that confirms inclusion of my account. 

Their refusal to comply with federal law is not just negligentit is willful and abusive. This is now an egregious and systemic failure to validate the debt. Meanwhile, they continue their collection attempts, including legal threats, causing undue stress and damage to my credit. This constitutes clear violations of the FDCPA 15 U.S.C. 1692g ( b ) and FCRA provisions related to furnishing inaccurate data to credit bureaus.

I am asking the CFPB to intervene decisively. These companies are deliberately ignoring federal requirements. I am requesting a full investigation and immediate enforcement action. I am also demanding all further collection activity be ceased immediately until proper legal documentation is produced. Continued violations will result in legal action. 

Attached are : - Copies of the multiple dispute and validation letters sent to both parties - The generic and unverified responses received - The so-called Bill of Sale and associated documents that fail to prove ownership or account assignment Thank you for your prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: Chime Financial Inc
State: MI

Complaint narrative:
This is not the first time I bought a product and canceled the transaction and the money was pending and not refunded to my bank account, and I noticed that some transactions are deleted from the system because the money is not refunded I sent pictures of the money being withdrawn from my bank account and it has not been refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: CA

Complaint narrative:
THE FOLLOWING INQUIRIES ARE XXXX AND NEEDS TO BE REMOVED : XX/XX/year> XXXX XXXX XXXX, XX/XX/year> XXXX OF XXXX, XX/XX/year> XXXX XXXX, XX/XX/year> XXXX BANK, XX/XX/year> XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
THE FOLLOWING INQUIRIES ARE XXXX AND NEEDS TO BE REMOVED : XX/XX/year> XXXX XXXX XXXX, XX/XX/year> XXXX OF XXXX, XX/XX/year> XXXX XXXX, XX/XX/year> XXXX BANK, XX/XX/year> 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 2025-06-02 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-02 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: CT

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-06-03 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: FL

Complaint narrative:
Im reaching out because I found incorrect information on my credit report that absolutely does not belong there and I need it fixed right away.

Specifically, theres an account showing up that I dont recognize at all. Ive never opened it, never authorized it, and I have zero ties to it. This is not my account, and I shouldnt have to deal with the consequences of someone elses error ( or worse, fraud ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Genesys National Recovery, Inc.
State: PR

Complaint narrative:
On XX/XX/year>, I was contacted by Genesys XXXX XXXX regarding a supposed debt related to a gym membership. I never agreed to that membership, and the contract was only sent to me after I demanded it. The document contains incorrect or incomplete information. 

They told me I owed between {$4000.00} and {$7000.00}, even though the real amount should not be more than {$1200.00}. They also threatened that they could take 80 % of my paycheck. This caused me significant emotional stress and XXXX. They even called my mother, who became extremely worried. 

After that, I sent a written request asking them to stop contacting me, but they continued to call me from different phone numbers, harassing me nonstop. 

I feel harassed, manipulated, and mentally affected by this situation. I never authorized that debt nor accepted those terms. I just want them to stop contacting me and to have that supposed debt removed from my record.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-02 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation