vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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: NC

Complaint narrative:
For the XXXX and final time, I write as a documented North Carolina victim of identity theft arising from the XXXX  and XXXX XXXX  data breach. Experian is knowingly reporting false, fraudulent accounts in my file without authorization and I am being ignored and bullied. My Social Security Number and other personal data were compromised in the XXXX  and XXXX breaches. I possess incontrovertible proof of SSN exposure. My credit file is contaminated with accounts I did not open. Your failure to investigate, verify, and expunge these entries violates : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

a. 1681e ( b ) : Duty to maintain reasonable procedures to ensure maximum possible accuracy b. 1681i ( a ) : Duty to conduct a reasonable reinvestigation upon dispute c. 1681i ( 5 ) ( A ) : Duty to notify consumer of reinvestigation results in writing d. 1681c-2 : Mandatory expungement of identity-theft information Under FCRA 1681i and North Carolina Code, you must complete a documented, effective investigation of each disputed item, including : a. Verification from the original creditor with wet-ink signature on the application b. Copy of government-issued photo ID used to open each account c. Proof of my express written authorization to open the accounts d. Confirmation of account opening dates relative to the XXXX  breach period e. Direct, signed affidavit from the original creditor ; no automated or cursory verifications Your obligations under FCRA 1681c-2 to expunge identity-theft information are absolute upon my written notice. Your prior letter admitting you couldnt expunge fraudulent entries constitutes either willful non-compliance or gross negligence of your statutory duties. I will use that refusal as evidence of willfulness to pursue punitive damages. I never authorized the account ; they are fraudulent : XXXX XXXX XXXX XXXX ; # XXXX ; Balance : {$26000.00} ; Open : XX/XX/year> 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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation
State: PA

Complaint narrative:
So XXXX  credit card is closed and there stating I missed XXXX payments in a row from XXXX to XXXX and I have them on auto pay Ive been paying every month on time its seriously affecting my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
I am disputing a XXXX collection account reported by The CBE Group for {$200.00}. I do not recall having a XXXX account associated with this balance, and I have never been provided any documentation proving the account is mine. 

I previously disputed the collection through the credit reporting agency, but no validation or explanation was ever sent to me. The CBE Group continues to report this account without providing any proof of the original debt, the account details, or any itemized charges. 

I am requesting an investigation under the FDCPA and FCRA. Please require The CBE Group to provide full validation including : the original XXXX account number a copy of the contract or application itemized charges leading to the {$200.00} balance proof that this debt belongs to me If they can not validate, I request removal of this account from all credit bureaus. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
The documents produced by Monterey Financial do not satisfy federal validation requirements. 
What they gave me is simply a copy of a XXXX XXXX internal contract and a one-page statement. 
Monterey has failed to provide : Proof of assignment / chain of custody Bill of sale Itemized accounting from day one Method of verification Evidence of communication with original creditor Proper FDCPA 1692g ( b ) validation FCRA 1681i reinvestigation documentation Without these required documents, the debt remains unverified, inaccurate, and incomplete, and under FCRA and FDCPA case lawincluding XXXX, XXXX, and XXXXthe account must be removed from all consumer reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/year>, I mailed a written dispute letter directly to Equifax regarding several inaccurate and unverifiable accounts appearing on my Equifax credit report. My letter included a complete list of the specific items I disputed, which are shown in the attached document I sent them I also included all required documents to verify my identity under the FCRA, including : Full legal name Current address Date of birth Last four digits of my SSN Copy of my identification Proof of address Despite sending a complete and compliant dispute package, Equifax never responded at all. They failed to : Acknowledge receipt of my dispute Request additional documents Notify me of any delay Provide results of a reinvestigation Equifax simply ignored my dispute entirely. 
Under the Fair Credit Reporting Act ( FCRA ) : FCRA 1681i ( a ) A credit bureau must conduct a reasonable reinvestigation within 30 days when a consumer disputes information.

FCRA 1681e ( b ) A credit bureau must follow reasonable procedures to ensure maximum possible accuracy of all information reported.

Equifax violated federal law by : Failing to conduct any reinvestigation, despite receiving a valid written dispute with proper identification.

Failing to respond within the 30-day statutory time frame. 


Failing to communicate or request clarifying documents, which is required if they believed additional information was needed. 


Preventing me from exercising my legal right to dispute inaccurate information.

Their complete lack of response is a clear and direct violation of my consumer rights.

Equifaxs negligence is actively harming me : Disputed inaccurate negative accounts remain on my credit report.

These items are lowering my credit score and damaging my creditworthiness. 


I am at risk of being denied credit, housing, or financial opportunities. 


I am being blocked from correcting inaccurate information because Equifax refused to act. 


Their failure to reinvestigate is causing real financial and personal harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: GA

Complaint narrative:
XXXX, XXXX, XXXX, XX/XX/year>, have late payment statues when I have never been late on this account for the Children 's Place The payments have always been on autopay. 
When I contacted the company, I was advised I needed to go thru the credit bureaus to have this corrected.

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 2025-11-20 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: ID

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law.

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: NJ

Complaint narrative:
Account information balance, status, existence of debt/contract fraud lemon, extortion, identity, theft, harassment, incorrect information fraudulent account!! 

To whom it may concern, This letter serves as formal notice that your organization is in violation of the Fair Credit Reporting Act ( FCRA ) due to your failure to properly investigate and verify the accuracy of the following account : Furnisher : XXXX XXXX Issue : Reporting inaccurate, incomplete, and unverifiable information. 

I previously submitted a dispute regarding this account, identifying multiple inaccuracies involving : Incorrect balance reporting Inconsistent dates Improper status Unverifiable payment history Failure to provide a complete account ledger or contract Under FCRA 602, 607 ( b ), 611, and 623, you are required to maintain and report accurate and fully verifiable information only.

Your failure to provide proper verification or documentation constitutes : 1. Failure to conduct a reasonable investigation 2. Failure to maintain accurate credit reporting 3. Failure to provide validation as required by law I am now demanding immediate deletion of this account from my credit file.

If this violation is not corrected within 15 days, I will escalate this matter by filing a formal complaint with : CFPB FTC State Attorney General I will also pursue all available consumer rights and remedies under federal law. 

Please confirm the deletion of this account in writing. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
On XX/XX/year> at approximately XXXX XXXX, I was at a XXXX in XXXX, Connecticut while working. I was approached by a man running what appeared to be a gambling game. I declined multiple times, but he continued insisting that I at least watch someone else play, so I did. 
Afterward, he made me an offer : he told me that if I could show him a {$1600.00} balance on XXXX XXXX, he would give me {$1600.00} in " credit '' to play his game. He claimed that if I lost, I would not owe anything because it was only " credit. '' He also said he needed to hold my phone while I played. 
While I was distracted watching the game, his partner accessed my XXXX XXXX and sent my {$1600.00} to himself. I have attached screenshots showing that I have never known, met, or communicated with this person before. His XXXX XXXX profile even shows that we have no contacts in common. This type of transaction is completely abnormal for me, and {$1600.00} is far more than I typically move. This was a significant financial loss. When I finished playing the " credit '' game and returned to my car, I discovered that my money had been sent to a complete stranger without my authorization. I immediately returned to the location, but the individuals were gone. 
I immediately disputed the transaction with Chase. However, I recently received a notice stating that Chase believes I " gave information '' or " authorized the payment, '' which is not true. I never authorized this transfer, nor did I provide any permission for anyone to access my XXXX XXXX account or send money. This was a scam, the payment was unauthorized, and I am requesting that this issue be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: AZ

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

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 2025-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Dear XXXX In XX/XX/XXXX, I applied for financing through Westlake Financial to purchase a XXXX XXXX from a dealer. Shortly after the purchase, the vehicle developed serious mechanical issues. I returned the vehicle to the dealer, and the dealer confirmed that the loan was canceled. 

However, after the vehicle was returned and the loan was canceled, Westlake Financial still deducted {$680.00} from my bank account. I contacted Westlake by email to request an explanation and to ask when the refund would be issued. 

Westlake responded that the loan payoff/cancellation was processed on XX/XX/XXXX, and that my refund would be issued within 30 days through a prepaid virtual debit XXXX administered XXXX XXXX XXXX XXXX They stated that I would receive the prepaid card by email. 

As of mid-Novemberwell beyond the 30-day periodI still have not received any refund, nor have I received any prepaid card email. 

During this time, I contacted Westlake multiple times by email. At first they sent automated template responses. Later, they refused to provide any confirmation of the refund status and stated that, for security reasons, they could not discuss account details by email. However, I only requested confirmation of whether the refund had been issued, not any sensitive information. 

To date : - I have not received the refund- I have not received any prepaid card - Westlake has not confirmed whether the refund was ever processed - They have provided no proof or meaningful communication - They closed my tickets without resolving the issue Westlake Financial failed to honor their written promise to issue the refund within 30 days and failed to provide basic transparency or customer support. 

I am requesting that regulators require Westlake Financial to : 1. Immediately confirm whether the refund has been issued 2. Issue the refund if it has not been sent 3. Provide proof of refund issuance, including XXXX email logs, if it has been sent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
So XXXX XXXX XXXX is closed and there stating I missed 3 payments in a row from XXXX to XXXX and I have them on auto pay Ive been paying every month on time its seriously affecting my credit

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 2025-11-20 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: PA

Complaint narrative:
So XXXX XXXX XXXX is closed and there stating I missed 3 payments in a row from XXXX to XXXX and I have them on auto pay Ive been paying every month on time its seriously affecting my credit

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 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
CFPB COMPLAINT RESURGENT CAPITAL / LVNV FUNDING Amount : {$470.00} Alleged XXXX  XXXX Account I am filing this complaint because Resurgent/LVNV continues to report a derogatory account to Experian, Equifax, and TransUnion without providing the legally required validation and while being under a Cease & Desist order under FDCPA 805  ( c ). 
XXXX. FAILURE TO VALIDATE UNDER FDCPA 1692g ( b ) I formally demanded full validation, including : Original signed contract Full chain of title from XXXX  XXXX to LVNV ( all assignments, bills of sale, exhibits ) Forward Flow Purchase Agreement identifying my account Itemized accounting from {$0.00} to present Proof XXXX  XXXX mailed required billing statements Proof of notice of assignment Resurgent/LVNV has produced NONE of these. A simple verification or internal printout does NOT satisfy federal law. 
2. CONTINUED REPORTING WITHOUT VALIDATION FCRA 1681s2 ( a ) Despite being unable to validate, they continue to furnish information to credit bureaus. This violates : FCRA 1681s2 ( a ) ( 1 ) ( A ) Prohibits reporting information they know or should know is inaccurate FCRA 1681s2 ( b ) Requires proper reinvestigation upon dispute 3. FAILURE TO CEASE COLLECTION ACTIVITY FDCPA 805 ( c ) Once a Cease & Desist is invoked, the collector must stop ALL communication except to provide validation. Instead, LVNV continues reporting to the bureaus, which constitutes continued collection activity under federal law. 
4. REQUIRED ACTIONS REQUESTED FROM CFPB I request the CFPB compel LVNV to : Provide full FDCPAcompliant validation Provide complete chain of title and purchase agreements Provide itemized accounting Cease all reporting until validation is supplied Delete the account from all credit bureaus if they can not validate 5. HARM SUFFERED Their unlawful reporting is damaging my credit, preventing approval for housing, credit, and financing opportunities. 
I request regulatory enforcement and permanent deletion of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc.
State: FL

Complaint narrative:
They didnt charge my card but they tried too. I keep my card on lock because cash app always trys to charge my card. I sent over a video in an email about the charges its crazy how many decline charges I have and they weird names too.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX - XXXX XXXX XXXX  - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX  : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/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 explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Fidelity National Information Services, Inc. (FNIS)
State: WY

Complaint narrative:
Tried getting my credit score and reports from chexsystems and they are refusing to give me my reports

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