vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
XXXX XXXX is reporting a {$170.00} collection account that I do not recognize and have never received a bill or validation for. I disputed this account with the credit bureaus under FCRA 1681i, but no documentation was provided by XXXX to verify the accuracy of the information. Reporting unverified information violates FCRA 1681e ( b ). I request deletion of this unverifiable account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXXXXXX XXXX  XXXX XXXX Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
no copy of original contract or original purchase that created the alleged debt. debt validation letter? 



Please provide written validation of the debt, including : 1. The name of the original creditor, 2. The amount of the debt, and 3. Documentation that verifies I am legally obligated to pay it.

1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I had requested a wire transfer 4 days sooner than a 6 day hold i was unaware of that was on the funds was up. I was unaware of this 6 day hold due to not only my mobile banking saying there were NO HOLDS ON FUNDS, as well as being told by Synchrony representatives there were no holds on any of the funds. However Synchrony was well aware of this 6 day hold and failed to inform me that this hold was currently on the funds and that by me requesting a wire transfer it would flag my account causing the current issue with my account. It was not until I finally talked with a manager that I was informed as to why my account was under review after many calls to Synchrony Bank. I have since been sent a new ATM card and a check book for my account that is still currently under review. I still have not been able to access my funds ( {$350.00} ) nor am I able to login to my mobile banking online or in the app. I also have been told by one of the departments at Synchrony that the number associated with my account, that is registered in my name, that the main Customer service department uses to verify my identity, can not be used to verify me

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 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. 

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

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 2025-10-16 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: TX

Complaint narrative:
I am filing this complaint because all three major credit reporting agenciesExperian, Equifax, and TransUnionhave reported inaccurate, incomplete, and unverifiable information on my consumer credit files.

These inaccurate items include accounts, inquiries, and personal information that I have repeatedly disputed as fraudulent, identity-theft-related, or incorrectly reported. Despite sending documentation including my government-issued ID, proof of address, and a FTC Identity Theft Report, the errors have not been properly corrected or deleted as required under the Fair Credit Reporting Act ( FCRA ). 

The accounts and inquiries in question were not authorized by me and include false charge-offs, collections, and other derogatory entries. These inaccuracies have continued to appear across all three bureaus, even after multiple formal disputes and supporting evidence were submitted. This constitutes a violation of FCRA 611 ( a ) ( 1 ) ( failure to conduct a reasonable reinvestigation ) and FCRA 605B ( failure to block information resulting from identity theft ). 

Additionally, outdated or unverifiable addresses and inquiries continue to appear on my credit reports, despite written requests for deletion and identity theft affidavits being provided. 

Submitted written disputes to Experian, Equifax, and TransUnion, requesting full reinvestigation and deletion of the unverifiable accounts. 

Provided copies of my FTC Identity Theft Report, police documentation, and supporting identification. 

Requested each bureau to block the disputed information within 4 business days, as mandated by FCRA 605B.

Provided documentation proving my current identity and address, while requesting removal of outdated personal data and inquiries. 

Despite these efforts, the bureaus have failed to remove or correct the disputed information and continue to report inaccurate data, causing severe damage to my creditworthiness and financial reputation.

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 2025-10-16 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I had American Express for a long time. I always had automatic payment setup. One day after years of having this automatic setup, they decided to take it off without out me knowing. Then late payments happened. I then decided to pay everything and close the account for once. I asked the representative to make sure that I paid everything. Then it occurred again that there were charges and late payments. I got very irritated, but bit my tongue and paid everything off again. I asked the representative again to make sure it was clean and closed again. She said she made sure it was done right. Now they emailed me and said that I owed them some over {$2.00} of interest. I called and the rep said she could not do anything, and that the interest was occurred 12 days after I paid. This cant happen. This is one of many ways they take money from people. Many of us dont know how to get rid of them beside just pay them and hope That would be the last time. I am seeking help from the government to involve in this. Please help the people and fix this company. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: FL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: NV

Complaint narrative:
Called me in the morning. Lady was extremely rude trying to collect money for around {$6000.00} give or take when I requested the debt collection form. She was already passed frustrated and said she wouldnt give it to me and that she would just send the debt to my credit agencies and they will go through that when i attempted to reach them again she kept denying to speak to me. 
IQ data international was the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
My name is XXXX XXXX, and I am filing a complaint regarding the denial of my debit card dispute ( Claim # XXXX ) with Capital One. 

I made a purchase from XXXX totaling {$200.00}, but I never received the package. The tracking information claimed that the order was delivered, but the delivery photo clearly shows no package present. The picture only shows the outside of my home there is no visible box or item anywhere in the image. 

I contacted XXXX customer service immediately to report that I did not receive my order. However, they refused to assist me, stating that because there was a photo of my house, the package was considered delivered even though the photo does not show any merchandise at all. 

I filed a dispute with Capital One, submitted all supporting documents and screenshots, but my claim was denied. The denial notice stated that the transaction was valid based on information from the merchant. I strongly believe this decision was made in error, as the merchants proof of delivery is invalid and does not demonstrate that I actually received the goods I paid for. 

I am requesting that this dispute be reinvestigated and that I be refunded the {$200.00}, as I never received the merchandise I paid for. 

Thank you for your time and attention. I can provide all the documentation again, including the merchants photo, order confirmation, and my correspondence with XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-16 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: MI

Complaint narrative:
I am the victim of identity theft, as evidenced by my FTC Identity Theft Report, Affidavit of Identity Theft, and supporting documentation ( government-issued ID, proof of address, and police verification ).

The fraudulent accounts and inquiries appearing on my credit files were not opened or authorized by me, and include : XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX * Multiple unauthorized inquiries linked to these fraudulent accounts These accounts and inquiries are a direct result of identity theft and should have been permanently blocked and deleted within 4 business days of the bureaus receiving my identity theft packet, as required by FCRA 605B ( 15 U.S.C. 1681c-2 ).

Despite sending certified mail dispute packages to each bureauincluding proof of identity, FTC Identity Theft Report, and formal dispute letters referencing FCRA 605B, 609, and 611these credit bureaus failed to conduct reasonable reinvestigations and continue to report erroneous information that severely impacts my creditworthiness.

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 2025-10-16 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: MI

Complaint narrative:
I am the victim of identity theft, as evidenced by my FTC Identity Theft Report, Affidavit of Identity Theft, and supporting documentation ( government-issued ID, proof of address, and police verification ).

The fraudulent accounts and inquiries appearing on my credit files were not opened or authorized by me, and include : XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX * Multiple unauthorized inquiries linked to these fraudulent accounts These accounts and inquiries are a direct result of identity theft and should have been permanently blocked and deleted within 4 business days of the bureaus receiving my identity theft packet, as required by FCRA 605B ( 15 U.S.C. 1681c-2 ).

Despite sending certified mail dispute packages to each bureauincluding proof of identity, FTC Identity Theft Report, and formal dispute letters referencing FCRA 605B, 609, and 611these credit bureaus failed to conduct reasonable reinvestigations and continue to report erroneous information that severely impacts my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: AL

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I was in credit distress after my marriage in 2023. I was unable to make my minimum payments on my American Express Planum Card. They offered me entrance into their financial relief program. One of the key points of the program as advertised and sold to me was that moving forward, payments would not be reported as late to credit bureaus.

I entered the program, made on time payments, and eventually paid off my balance to regain use of my card.

However, when I later checked my credit, it showed they had reported 3 payments as late after I had entered the financial relief program, directly contradicting their marketing statements about the program.

I have been furious ever since since I would have handled things differently had I known a payment would be reported late, especially 3 times. To this day, I don't even know what I was late on.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: KY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights 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 2025-10-16 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 TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: NY

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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