vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-28 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
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 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: OH

Complaint narrative:
Obtaining my personal information without my consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Global Tel*Link Corporation
State: CO

Complaint narrative:
I deposited money into my sons commissary account. Without authorization from me or my son, the funds were automatically transferred in multiple {$1.00} increments labeled XXXX XXXX XXXX / XXXX. 
On XX/XX/year> alone, approximately 20 separate {$1.00} transactions depleted the commissary balance from {$20.00} to {$0.00} without consent. 
The funds then appeared on my sons tablet account ; however, tablet usage charges do not match the math shown. For example, on XX/XX/year>, 37 minutes at $ XXXXminute should equal {$1.00}, resulting in a balance of {$18.00}, but the account balance dropped to {$13.00}, leaving {$5.00} missing with no transaction record. 
This pattern repeats on multiple dates, including XX/XX/year> and again after a second {$20.00} commissary deposit on XXXX, where additional unauthorized {$1.00} transactions occurred. 
I have attached screenshots of my sons commissary account showing the deposits, unauthorized {$1.00} charges, and incorrect balances. Although the screenshots do not explicitly show XXXX, these transactions were processed through XXXX ( formerly XXXX ). 
I am requesting : A full refund of all unauthorized charges, including the multiple {$1.00} transactions. 
Correction of all incorrect account balances, including the missing {$5.00} and any other discrepancies. 
A complete, itemized ledger for both commissary and tablet accounts showing every transaction.

Confirmation that no funds will be transferred between accounts without explicit authorization from me or my son.

Assurance that all future charges will only occur with consent, and any unauthorized charges will be refunded immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX Account Number XXXX To : LVNV Funding XXXX XXXX XXXX XXXX XXXX, SOuth Carolina XXXX Subject : Cease & Desist / Debt Validation / Refusal to Pay Dear Debt collector I am writing in response to your attempt to collect an alleged debt that you claim I owe. This letter serves as my formal notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, that I am disputing this alleged debt in its entirety and am requesting full and complete validation. 
Until you provide proper validation as required by federal law, I am refusing to pay this alleged debt. Furthermore, you are hereby directed to cease and desist all collection activities, including but not limited to phone calls, text messages, emails, and third-party communications, except as specifically allowed by law. 
Required Validation Please provide competent evidence to substantiate your claim, including but not limited to the following : 1. A copy of the original signed contract, credit agreement, or promissory note bearing my signature that shows I agreed to the alleged debt.

2. A complete accounting and payment history from the original creditor, including the date of default and charge-off. 
3. Proof that XXXX XXXX XXXX XXXX XXXX has legal standing and ownership of this specific account, including a complete chain of title, bill of sale, and assignment documents identifying this account by name and number. 
4. Verification that any Form 1099-C, if issued, was properly filed with the Internal Revenue Service , if applicable.

5. Affidavits or authenticated business records from a qualified custodian or witness with personal knowledge of the original creditors records, as required under the rules of evidence. 










Notice of Legal Rights Be advised that reporting or continuing to report this alleged debt to any consumer reporting agency without first providing proper validation constitutes a violation of the FDCPA and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

If you are unable to provide all of the requested documentation, you are required by law to immediately cease collection efforts, delete any credit reporting associated with this alleged debt, and close your file.

Communication Restrictions I do not consent to telephone calls, text messages, emails, or any electronic communications. All correspondence must be sent by U.S. Mail only to the address listed above. 
Failure to comply with this lawful request may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the South Carolina Attorney General, and pursuit of all civil remedies available to me under federal and state law. 
This letter is sent without prejudice and with full reservation of all rights. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: FL

Complaint narrative:
I am a consumer attempting to correct inaccuracies in my Equifax credit report. The following items are being disputed : Previous Addresses : XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Charged Off Accounts : XXXX  Account ending XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> Balance : {$150.00} Inquiries : None listed for Equifax I request Equifax to investigate and remove or correct any inaccurate reporting on my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: AR

Complaint narrative:
I sent money to a Chime user on Friday, XX/XX/year>. I made XXXX transactions, XXXX for {$100.00} and another for {$200.00}. This was paid to XXXX XXXX for furniture posted for sale on XXXX. I did not receive the merchandise. The money was taken and no furniture was received. I filed a police report on Sunday, XX/XX/XXXX and attached the police report to the dispute filed with Chime on Sat, XX/XX/XXXX. The fraud dispute is open with Chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: NC

Complaint narrative:
I am submitting this complaint regarding unauthorized hard inquiries that appear on my TransUnion consumer credit report. I did not apply for credit or provide authorization to the following entities and no account relationship resulted from these inquiries. The inquiries include XXXX dated XXXX XXXX XXXX dated XXXX XXXX dated XXXX and XXXX XXXX dated XXXX. These inquiries are not connected to any open or closed account on my credit report and therefore lack permissible purpose under federal 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 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
( FCRA 605B 15 U.S.C. 1681c-2 ) Companies Complained About Experian Information Solutions , Inc . 

Equifax Information Services LLC TransUnion LLC Complaint Summary I am a confirmed victim of identity theft. I submitted valid FTC Identity Theft Reports, a police report, and proof of identity to Experian, Equifax, and TransUnion. 

Despite receiving this documentation, all three credit reporting agencies are continuing to report identity-theft accounts and are improperly treating my submissions as consumer disputes or reinvestigations instead of blocking the information as required by law. 

This conduct violates the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), which requires consumer reporting agencies to block identity-theft information within XXXX business days of receiving a valid identity theft report.

Detailed Bureau-by-Bureau Violations Experian Information Solutions , Inc . 

Experian is continuing to report identity-theft accounts including, but not limited to : XXXX XXXX XXXX 

XXXX XXXX / XXXX ( sold to XXXX XXXX ) These accounts are reported as charge-offs with balances and are marked Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) instead of being blocked. 

Experian is improperly processing identity theft as a standard dispute, which is prohibited under FCRA 605B. 

Equifax Information Services LLC Equifax is continuing to report identity-theft accounts including : XXXX XXXX XXXX  Equifaxs own reporting states CONSUMER DISPUTES REINVESTIGATION IN PROGRESS, confirming Equifax is reinvestigating rather than blocking the identity-theft account. 

This is a direct violation of FCRA 605B, which does not permit reinvestigation once a valid identity theft report has been submitted. 

TransUnion LLC TransUnion is continuing to report multiple identity-theft accounts and downstream collection accounts, including : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts continue to appear as charge-offs and collections despite TransUnion receiving my FTC Identity Theft Report and supporting documentation. TransUnion has failed to apply mandatory identity-theft blocks and is allowing continued reporting and reinvestigation in violation of FCRA 605B.

Legal Basis Under FCRA 605B ( 15 U.S.C. 1681c-2 ), once a consumer reporting agency receives a valid identity theft report, it must : XXXX the reporting of identity-theft information Cease reinvestigation or dispute processing Prevent further reporting, re-aging, or resale of the account Ensure downstream debt buyers and collection agencies do not continue reporting Experian, Equifax, and TransUnion have each failed to comply with these statutory requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: WI

Complaint narrative:
On XX/XX/year> I proceeded to call chime to report on authorized transactions on my account this is not the first time to time has denied refunds on unauthorized transactions it seems to be that they will open a claim and then the next day close to claim in the night never looking into anything I gave them all the information they needed to understand that I did not authorize those transactions I called the merchant myself and I was able to come up with a name that was not associated with my account or my home but yet still this person 's name was authorized to make transactions on my account without my approval and chime let it happen. I've got multiple transactions from the last 3 months for the amount of XXXX. all transactions were made by XXXX  XXXX  credit and some other account called hfd patient. Chime is responsible for letting turn off the rise companies take money out of my account so I hold them fully responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: NY

Complaint narrative:
Dear Sir/Madam, I am writing to dispute certain information on my credit reports that I believe to be inaccurate. Below is the breakdown of the accounts I am disputing, separated by each credit bureau. 

Charged Off Accounts : XXXX  XXXX - XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - XXXX, Date Opened : XX/XX/XXXX, Balance : {$170.00} XXXX  - XXXX, Date Opened : XX/XX/XXXX, Balance : {$200.00} XXXX XXXX XXXX - XXXX, Date Opened : XX/XX/XXXX, Balance : {$200.00} XXXX XXXX XXXX XXXX  - XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - XXXX, Date Opened : XX/XX/XXXX, Balance : {$200.00} XXXX - XXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXX XXXX XXXX XXXX - XXXX, Date Opened : XX/XX/XXXX, Balance : {$9400.00} XXXX  XXXX - XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX  XXXX XXXX - XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX XXXX - XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXX  XXXX - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX - Date : XX/XX/XXXX Late Payments : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : 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

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 2025-12-28 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: CA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00}

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 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC
State: OH

Complaint narrative:
Obtaining my personal information without my consent

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 2025-12-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
This account is formally disputed as the result of identity theft pursuant to 15 U.S.C. 1681c-2. I did not authorize the continued reporting, disclosure, or updating of this account after it was paid in full, and Aidvantage has failed to produce any documentation demonstrating my consent, contractual obligation, or lawful authority to furnish this information to consumer reporting agencies. 

Despite notice of an identity theft dispute, Aidvantage continues to furnish and update the account using automated XXXX verification, without conducting a reasonable manual investigation, in violation of FCRA 1681s-2 ( b ) and 1681c-2. Continued reporting under these circumstances constitutes unlawful data furnishing and ongoing consumer harm.

Because this account involves education records, the continued disclosure without authorization also violates FERPA ( 20 U.S.C. 1232g ). 

Additionally, the account contains XXXX XXXX reporting inaccuracies, including misleading or conflicting account status, dispute remarks, past-due amounts, and high credit/credit limit reporting. These violations materially misrepresent the account, exacerbate identity theftrelated harm, and continue to unfairly damage my credit report. 

Accordingly, I demand that Aidvantage immediately delete this account from all consumer reporting agencies. No corrections, updates, or partial fixes are acceptable. Deletion is the only remedy that resolves the unlawful reporting, FERPA violations, and identity theftrelated harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: CA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : No inquiries listed for TransUnion. 

Late Payments : DEPTEDXXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXX DEPTEDXXXX Account Number : 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 2025-12-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
I deposited {$600.00} into their High Yield Savings account in XX/XX/year>. I tried to withdraw money on XX/XX/year> and found my account was Blocked. I called and did not receive an explanation why it was blocked, how to unblock it or when it would be unblocked. I tired the app several times since then to no avail. I just tried again on XX/XX/year>. 

At this Point I want to get all my money back and close the account. This is the worst banking experience I have ever had.

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 2025-12-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I have revived a copy of my credit report, and I have noticed a fraudulent account that appears on my profile and I dont have any knowledge of this account nor did I authorize any party or individually to open up an account in my name.

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 2025-12-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XX/XX/year> XXXX Date : XXXX Re : Dispute of Collection Account Violations of 15 U.S.C. 1692 To Whom It May Concern, I am submitting this letter as a formal dispute of a collection account currently appearing on my consumer credit report. This dispute is made pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681, and involves violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.

Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX I dispute the accuracy and legality of this collection account. To date, I have never received proper validation of this alleged debt, as required under 15 U.S.C. 1692g. Additionally, the continued reporting of this account without lawful validation constitutes misleading and unfair practices under 15 U.S.C. 1692e and 1692f.

Because the debt collector has failed to comply with the FDCPA, the reporting of this account is inaccurate and unverifiable. Under 15 U.S.C. 1681e ( b ), you are required to ensure maximum possible accuracy of information reported, and under 15 U.S.C. 1681i, you must conduct a reasonable reinvestigation when a dispute is submitted.

I am requesting that you : Conduct a full reinvestigation of this collection account Require the debt collector to provide proper debt validation and proof of legal authority to collect Delete this account if the collector can not demonstrate full compliance with 15 U.S.C. 1692 Provide written confirmation of the results of your investigation If the debt collector can not validate the debt as required by federal law, this collection account must be removed immediately from my credit report.

Please complete your investigation within the time frame required by law and notify me in writing of your findings.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation