vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Skrill USA, Inc.
State: OH

Complaint narrative:
I was contacted in XX/XX/XXXX by XXXX XXXX XXXX XXXX stating that I had an outstanding balance with a payment processing merchant from earlier this year. 
I asked if this was involving a business I used to own. She said yes, and I informed her that I sold that business in XXXX and they would need to contact the new owners of the business. She said she had my signature on the document. She said she could send me the documents to review. It was two months befor they contacted me again, XXXX, XXXX. They emailed the documents : one was a merchant payment card application from XXXX XXXX XXXX from XX/XX/XXXX, and the other document was the XX/XX/XXXX statement. I replied to the Collections agency that the account was not mine, I had never heard of any of the companies, Paysafe Payment Processing, nor XXXX XXXX XXXXXXXX. All of the information on the application was not mine, except for the name and address of the business I used to own, and did not have my signature on it, but an e-signature. I let them know this was fraudulent and that they should contact the owner of the bank account on the application. I never received a validation letter from this agency, nor any directions on how to deny the alligations, and since they did not follow any collections standars, did not think they were legitimate. The next email I received said I must then obtain a police report to deny the alligations. I went to the police dept in the town I work in on XX/XX/XXXX, and spoke with an officer who told me not to reply to the collections agency directly, as it seemed to be a likely scam. She mentioned that if I wanted to file a report, I would have to go the XXXX office in another town. I received a letter from XXXX XXXX XXXX on XX/XX/XXXX, dated XX/XX/XXXX, stating my failure to discuss the debt is leaving them no alternative but to take further collection actions in order to protect their client, stating I had 10 days to respond with arrangements to clear the balance. That night I saw that they had made a derogatory collection to my credit, which lowered my credit by XXXX points. Since they did not wait the 10 days to hear from me, I did go to the XXXX the next day. I work full time and went on my first day off, XX/XX/XXXX. It took a few days to receive the completed report from the XXXX XXXX, which I was able to print out today, XXXX. The business practices of this collections agency is very poor and they have done no investigation into the practices of their 'client ' who approved an invalid application, and should have just collected from the bank account used to deposit the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Comerica
State: CA

Complaint narrative:
there is and was no fraud the account was not closed they need to close my account and no harrass and all my money must be sent once the acount is closed there is and was no fraud im greatful for the responses but now the account needs to be closed now thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.

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: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Chek Cash, Inc.
State: TX

Complaint narrative:
Subject/Update : Second Response from XXXX XXXX Account Still Belongs to Them Message : I previously submitted a complaint regarding my account with XXXX XXXX. They responded again on XX/XX/year>, stating that the complaint does not belong to them and that they are not the appropriate company to address this issue. 

I maintain that XXXX XXXX is responsible for this account, and I am requesting that CFPB review all records to confirm ownership. Attached are all supporting documents, including statements and correspondence showing XXXX XXXX involvement with this account. 

This is the second time XXXX XXXX has denied responsibility, and I am seeking a resolution to this matter. Please ensure the complaint is routed to the appropriate party if XXXX XXXX is not responsible, or require them to address the issue if they are. 

Thank you for your assistance.

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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
Subject : Formal Dispute REQUEST FOR REINVESTIGATION and Metro 2 Compliance Review Account Number : XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of the late payment reported for the above-referenced BARCLAYS BANK DELAWARE account on my credit file. This derogatory mark appears on my reports with XXXX or more credit reporting agencies and is dated XX/XX/XXXX. 
As per my rights under the Fair Credit Reporting Act ( FCRA ) XXXX, I am requesting a complete reinvestigation of this item and demand verification under Metro 2 data reporting standards. I believe the reported late payment is either inaccurate, unverified, or not in compliance with credit reporting requirements. 
Account Details : Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$2500.00} Disputed Item : Reported XXXX late in XX/XX/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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I discovered multiple accounts on my credit report that I did not authorize and do not recognize. Because I am a victim of identity theft, I followed the proper procedure and submitted a written dispute to the credit bureau, including an FTC Identity Theft Report and all documentation they requested. 

In my dispute, I specifically asked for validation of each fraudulent account, including the original signed contracts, the method of verification, and the name and contact information of the person or entity they claimed confirmed the accounts. It has now been over XXXX months, and I have not received any of the required documentation, nor has the credit bureau removed the fraudulent information from my report as required under the FCRA. 

I am requesting the CFPBs assistance because the bureau has failed to properly investigate my identity theft claim, provide the verification they are legally required to produce, or block the fraudulent accounts from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: NV

Complaint narrative:
Chime financial .. I lost my wallet and phone XXXX.i called reported the loss I called XXXX XXXX later they say I didn't request them.i called again to request my cards XX/XX/XXXX.. I don't know my balances I have from ssidrposit of XXXX .. for XXXX approx.. I have another due to be deposited for XXXX. I'm behind d on rent bout to be homeless because of this company social security might suspended me all for nothing..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I contacted Barclays and spoke with a customer service representative, who confirmed that my XX/XX/year> payment was never XXXX  days late. I was informed that the company would correct the issue and that the XXXX late mark should be removed by the next billing cycle on XX/XX/year>. 

I subsequently filed a dispute with XXXX ; however, the resolution came back with no changes. I called Barclays again and spoke with a manager, who reviewed the account details with me and again confirmed that my payment was not XXXX  days late. The manager initiated a dispute on the companys end and advised me to submit a written statement to XXXX in support of the correction. 

I filed another dispute with XXXX, but the outcome again reflected no change. I also submitted copies of my monthly statement showing XXXX payments made to Barclays in XXXX : XXXX on XXXX XXXX included an extra {$5.00} above the minimum paymentand a second payment on XX/XX/XXXX. 

While there was an insufficient-funds issue that delayed the processing of the original payment by a few days past the due date, at no point did the delay reach XXXX days late.

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: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: SC

Complaint narrative:
I requested to know why they continue to give me an account but wont allow me to get the Cash App card. They continuously state no reason at all. Also they wont release my funds that they had been hold for a month in the amount of {$330.00} XXXX placed an special order from the company XXXX for them to mail me the package that I paid in store, Transaction was done on XX/XX/year>, an was supposed to be delivery on XX/XX/XXXX, XXXX also Apple In which I blocked the company with Cash Apps Merchant blocking Feature, in which some how they still was able to take {$20.00} from my account without my authorization. Cash App has done nothing but delay an denied me when I have clear evidence that my card was used without permission

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: IN

Complaint narrative:
XXXXomplaint Against Americollect , Inc. Unverified Medical Collection Reporting Account Number : XXXX Reported Balance : {$1600.00} Date Reported : XX/XX/year> Original Creditor : Medical Provider To Whom It May Concern : I am filing this complaint because Americollect , Inc. is reporting an alleged medical collection account on my credit report without providing proper validation, in violations of the FCRA and FDCPA.

I disputed the account and requested validation, yet the agency has not provided any proof that the debt is valid or accurate.

1. Failure to Provide Required Validation ( FDCPA 809 ( b ) ) I requested the following documentation : Itemized billing Insurance payment details Proof of assignment from original creditor Original signed intake/authorization documents HIPAA release documentation Americollect provided none of the required information.

2. Reporting Inaccurate or Unverified Information ( FCRA 607 ( b ) ) Americollect continues reporting this debt without verification, violating the requirement that all furnished information be accurate and verifiable.

3. Failure to Mark the Account as Disputed ( FCRA 623 ( a ) ( 3 ) ) Despite my dispute, Americollect failed to properly notify Experian, Equifax, and TransUnion that the account is in dispute.

4. Continuing Collection Activity Without Validation ( FDCPA 809 ( b ) ) After dispute, all collection activity including credit reporting must stop.

Americollect continues reporting without providing validation.

5. Possible HIPAA Compliance Issues No documentation proving they have permission to view or transmit my medical billing information has been produced.

I respectfully request that the CFPB : 1. Require Americollect to provide full, complete, and legally compliant validation documentation.

2. If validation can not be produced, require immediate deletion of the account from : Experian Equifax TransUnion 3. Require correction of all inaccuracies, including reporting the account as disputed.

4. Require cessation of all reporting and collection activity until validation is provided.

I have disputed this account and asked for verification.

Americollect failed to validate the debt, yet continues reporting, harming my credit.

I am requesting CFPB intervention to resolve this matter and ensure compliance with federal consumer protection laws. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: NJ

Complaint narrative:
I contacted XXXX and spoke with a customer service representative, who confirmed that my XX/XX/2025 payment was never XXXX days late. I was informed that the company would correct the issue and that the XXXX late mark should be removed by the next billing cycle on XX/XX/2025. 

I subsequently filed a dispute with Experian ; however, the resolution came back with no changes. I called XXXX again and spoke with a manager, who reviewed the account details with me and again confirmed that my payment was not XXXX days late. The manager initiated a dispute on the companys end and advised me to submit a written statement to Experian in support of the correction. 

I filed another dispute with Experian, but the outcome again reflected no change. I also submitted copies of my monthly statement showing XXXX payments made to XXXX in XXXX : XXXX on XXXX XXXXwhich included an extra {$5.00} above the minimum paymentand a second payment on XX/XX/XXXX. 

While there was an insufficient-funds issue that delayed the processing of the original payment by a few days past the due date, at no point did the delay reach 30 days late.

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 is not yours
Company: Viking Client Services
State: NY

Complaint narrative:
XXXX ( through Viking Client Services ) is attempting to bill me for vehicle damage that did not occur during my rental period. I returned the car at the XXXX XXXX in normal condition. An XXXX employee inspected and cleared it on return. 

XXXX later sent photos showing the vehicle damaged in a storage/repair yard, not at the airport. These photos are not timestamped. 

A critical detail : My odometer in at return was XXXX ( per XXXX paperwork ). 
XXXX of the photos XXXX sent of the damaged car shows an odometer reading of XXXX. 
This proves the photos were taken after the car left my possession, meaning the damage occurred after my rental ended. 

XXXX has not provided : A return inspection report Timestamped check-in photos Chain-of-custody documentation Evidence that the damage existed when I returned the car Despite the absence of evidence, XXXX referred me to Viking, who continues attempting to collect this unverified debt. 

I request that XXXX : Review this internally Provide the missing documentation, or Close the claim and instruct Viking to cease all collection activity This situation is causing unnecessary stress. XXXX is trying to hold me responsible for damage that occurred after the car was returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: CA

Complaint narrative:
After receiving notice from Equifax that my personal information was compromised in a confirmed data breach, I discovered multiple unauthorized and fraudulent accounts appearing on my credit report. I immediately contacted Experian, TransUnion, and Equifax to dispute these accounts and submitted documentation supporting that these debts were not incurred by me.

Despite my disputes, all three credit bureaus verified the information without providing any supporting documentation from the furnishers. This failure to properly investigate and validate the accuracy of these accounts violates : 15 USC 1681i ( a ) ( 1 ) : Duty to conduct a reasonable reinvestigation 15 USC 1681e ( b ) : Duty to ensure maximum possible accuracy 15 USC 1681i ( a ) ( 7 ) : Right to a description of verification procedures 15 USC 1692g and 1692e ( 8 ) : Duty of furnishers to validate debts and not report false information The continued reporting of these fraudulent accounts has caused significant harm, including denials of credit, emotional distress, and financial hardship. Experian, TransUnion, and Equifax have failed to comply with federal law by allowing unverifiable and inaccurate information to remain.

I respectfully request that the CFPB compel the credit bureaus and furnishers to provide full validation of each disputed account or immediately delete them from my credit reports to restore the integrity of my consumer file.

Unauthorized Accounts Listed Below : 1 ) XXXX XXXX XXXX XXXXXXXX Amount : {$1000.00} Date Opened:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-11-18 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: Conduent Incorporated
State: MI

Complaint narrative:
When my card expired I requested a new card because they had a old address I updated my address. They said when the new card came to call to activate. When I tried to activate the card I gave them all my correct information and they said I need to submit my drive license. I said no they had everything including my SS number that was enough. Then they put me on hold for over 50 minutes because I asked to speak to a supervisor.

Company response to consumer: Closed with explanation