vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: NJ

Complaint narrative:
This complaint is regarding the companys failure to validate an alleged debt as required by FDCPA XXXX XXXX XXXX ( b ) and CFPB XXXX XXXX I requested detailed documentation including the original contract and proof of ownership, but received no legally sufficient response. Case law like XXXX v. XXXX XXXX requires debt XXXX to substantiate debts beyond simple claims. Continued collection or credit reporting without validation violates FDCPA and XXXX breach FCRA under 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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AK

Complaint narrative:
I NEVER GAVE CONSENT TO EXPERIAN OR EQUIFAX OR TRANSUNION TO FURNISH THESE ACCOUNTS ON MY CONSUMER REPORTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK

Complaint narrative:
I NEVER GAVE CONSENT TO EXPERIAN OR EQUIFAX OR TRANSUNION TO FURNISH THESE ACCOUNTS ON MY CONSUMER 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 non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I entered a reminder dates for when i need to pay my balance so that i don't get a late fee. It worked when i started out with the credit card for TD Bank but then i bagan to notice that Td bank did not send me reminders via email or via mail. Its like they intentionally didn't tell me the due date for when the minimum payment was due because they wanted me to pay the late fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-18 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: AL

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX List of Unauthorized 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 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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 XXXX 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 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 2025-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My Capital One checking and savings accounts were both closed on XX/XX/year>. I did not receive any prior notice regarding the closure. I do not believe there were any issues with how I used my accounts. Capital One has not provided me with any reason for the closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Complaint Against : Citibank Date : XX/XX/year> I attempted to use my Citibank debit card online today, which triggered a fraud alert. I immediately verified the fraud alert three separate times. Despite this, Citibank closed my account access and referred me to the fraud department. 

During my call with fraud representatives ( including a supervisor ), I provided five different phone numbers for verification. Three of these numbers are phone lines under my personal phone plan and in my name. Citibank refused to accept any of these numbers as valid for verification. 

Instead, Citibank informed me that the only option is to wait 10 days for a physical letter in the mail to verify my identity. They refused to offer any alternative methods such as in-branch verification with ID, secure document upload, or expedited mailing. 

This decision has placed me under severe financial hardship. I am currently 8 months pregnant and in the process of closing on a house. I also have bills due that can not be paid because my account is frozen. 

I believe Citibanks handling of this matter is unreasonable and harmful. I verified the fraud alert multiple times, I provided legitimate phone numbers tied to my identity, and yet I am being denied timely access to my own funds. Their refusal to offer alternative verification methods is unfair and has caused me unnecessary stress and financial risk.

I am requesting the CFPBs assistance in having Citibank : 1. Immediately allow me access to my account or provide an expedited verification option.

2. Review their rigid fraud verification policies that unfairly trap customers in situations like mine.

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 2025-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/930 XXXX  while I was working XXXXXXXX XXXX where sent to an unknown person on my chime account. I was at work at the time this happened and I did not authorize these transactions. I filed for a dispute with the company and they denied my dispute within 24 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1400.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$450.00}

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 2025-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/year>, PayPal denied my XXXX XXXX claim for a {$5400.00} fraudulent transaction, stating only that it does not qualify. They gave no explanation, and have refused multiple written requests to provide the actual policy section or reason for the denial. 

Furthermore, on XX/XX/XXXX ( before the denial ), they deactivated my account, preventing me from replying to the open dispute. I sent XXXX formal letters requesting the reason for the account suspension and XXXX letter demanding the official citation used to deny my XXXX XXXX claim. PayPal has refused to respond to any of these requests. 

I believe this violates my rights under : Regulation XXXX ( XXXX XXXX XXXX ) requiring transparent dispute resolution and timely notice UDAAP provisions ( XXXX XXXX XXXXXXXX & XXXX ) for unfair and abusive handling of disputes and account closures

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-08-17 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: National Credit Adjusters, LLC
State: DE

Complaint narrative:
To Whom It May Concern, This letter is a formal demand that National Credit Adjusters , LLC cease and desist all further communication with me regarding an alleged debt of {$500.00}, dated XX/XX/year>. 
This request is made in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( c ). Upon receipt of this notice, you are legally prohibited from contacting me further, except to : Inform me that your collection efforts are being terminated, Notify me of specific remedies you may seek, or Inform me that you intend to invoke specific legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX TransUnion LLC Complainant Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Date of Birth : XX/XX/XXXX SSN ( last XXXX ) : XXXX Summary of Complaint : I am submitting this complaint regarding TransUnion LLC because my personal identifying information was exposed in a nationwide data breach, and I have since discovered fraudulent activity on my TransUnion credit file. 

Specifically, an unauthorized credit inquiry was made without my knowledge or consent. I did not apply for credit with this institution, nor did I authorize anyone to use my information to do so. I am the victim of identity theft, and I am disputing this inquiry under my rights provided by the Fair Credit Reporting Act ( FCRA ). 

Fraudulent Inquiry on TransUnion XXXX XXXX : XXXX XXXX XX/XX/XXXX Applicable Legal Protections : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Requires consumer reporting agencies to block information resulting from identity theft when provided with an identity theft report. 

FCRA 611 ( 15 U.S.C. 1681i ) : Requires a reasonable reinvestigation of any disputed items within the required timeframe.

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 2025-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
This company is reporting a debt that I do not recognize. Under FDCPA 809 ( 15 U.S.C. 1692g ), they are required to provide validation of the debt and must cease collection until they do. No such validation has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: NV

Complaint narrative:
This is not a duplicate. This information provided by Experian and Equifax and TransUnion is not correct. The Bureaus refused to properly investigate my complaint, see attached. 


as per the Fair Credit Reporting Act whenever a consumer credit reporting agency prepares consumer report its shall follow reasonable procedures to assure maximum possible accuracy of information concerning the individual about whom the report relates to in accordance with 15 USC 1681 ( e ) ( b ) .5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) ( ii ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


As per response complaint XXXX dated XX/XX/year> This information is not correct. XXXX XXXX XXXX. I repeat my initial claim. I had have no contract agreement with the XXXX XXXX XXXX. 

Attached are current reports from Equifax and Experian with different account information. In addition there no court record of a law suit with with XXXX or XXXX XXXX XXXX. XXXX payments remained. 
XXXX of XXXX payments were made to XXXX. And the original balance had not changed. 

XXXX and Equifax has allow XXXX and XXXX to post and report this information to XXXX potential creditors without ensuring the accuracy. Additional the the collection company XXXX XXXX stated in there response complaint XXXX XXXX ceased XXXX and deleted trades on all three credited bureaus XX/XX/year>. This not accurate. 

I have attached XXXX current copy of experian and equifax reflecting the information being reported and provided to potential creditors... The detail of the information varies yet both bureaus state that have investigated and state it is accurate. It contest it is not. And request all this information be deleted from all bureaus and affiliates immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I visited the Bank of America XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, to request an official certified statement showing my salary deposits for the past XXXX  months. I explained clearly to the staff that this could not be just a regular account printout it needed to confirm amounts and regularity of deposits and be issued on official letterhead with stamp and signature for submission to the XXXX consulate. 

As a bank customer, I have the right to receive official certified documents regarding the movement of my funds. Such documents must be properly issued and verified so that I can present them to any institution when required. Denying access to this type of documentation leaves me without the ability to use my own account history for legitimate official purposes. 

The branch staff refused to assist, telling me we dont do that. After I insisted, the employee pretended to help but ignored my requests and acted in a rude and dismissive manner. At XXXX point he left me waiting XXXX minutes without explanation, then returned and simply said yes when I asked if we were finished. My request was never fulfilled correctly. 

As a long-time customer whose salary is deposited into this bank, I find this treatment unprofessional and unacceptable. I was denied access to an official document regarding my own funds and treated disrespectfully throughout the process.

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 2025-08-17 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: FL

Complaint narrative:
XXXX XXXX is reporting a charged-off credit card account as a derogatory item on my credit reports. The account shows as Charged off/ Cancelled by credit grantor with a balance of {$850.00}. However, I never received a required IRS Form 1099-C for cancellation of debt, which creditors must issue if the debt was truly cancelled. This creates an inconsistency : the creditor is reporting the account as cancelled, but they have not provided the legally required documentation. 

In addition, the information being reported is inconsistent across credit bureaus. For example, the last payment date differs ( XX/XX/year> vs. XX/XX/year> ), the account limit and balance fields are reported differently, and the remarks do not match. These discrepancies make the account unverifiable, inaccurate, and misleading under the Fair Credit Reporting Act ( FCRA ). 

I am requesting that this account be fully removed from all of my credit reports because it is being reported inaccurately, inconsistently, and without the required 1099-C documentation.

Company response to consumer: Closed with non-monetary relief