vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 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: MD

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 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Nature of Complaint : I am filing a formal complaint against LVNV Funding LLC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX for violating the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and unlawfully invading my financial privacy * * through the unauthorized and continued reporting of disputed debts to credit bureaus. Despite my formal written dispute and demand for removal, Portfolio Recovery Associates continues to report these debts, causing * * financial injury * * by negatively impacting my creditworthiness. Violations Committed : 1. Failure to Cease Communication After Dispute ( FDCPA 1692c ) - I formally disputed the debts and requested validation. Instead of halting collection efforts as required, * * Portfolio Recovery Associates continued reporting to credit bureaus * *, constituting an unauthorized communication. 2. False and Misleading Representations ( FDCPA 1692e ) - The company is * * misrepresenting the legal status of the debts * * by continuing to furnish them as valid, despite my disputes. 3. Unfair Practices ( FDCPA 1692f ) - By refusing to remove the disputed debts, Portfolio Recovery Associates is using unfair and unconscionable means * * to collect the debt. 4. Failure to Verify Before Reporting ( FCRA 1681s-2 ) - Under the Fair Credit Reporting Act, a furnisher * * must verify the accuracy of a disputed debt * * before continuing to report it. Portfolio Recovery Associates has failed to do so. 5. Unauthorized Credit Reporting ( FCRA 1681b ) - My credit report is * * private information * *, and Portfolio Recovery Associates * * does not have my express or implied authorization * * to furnish any information about me to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I got a phone call a few months back from someone stating that he was calling from capital one about an outstanding balance, and if I can verify my name and ssn #. i told him I don't have an account with capital one. He said he was making a report of this and will reach out back to me. I never heard from him again. in XXXX of this year, I was browsing in my account and came across the Capital one credit stating that I was owing them. I reach out back right away to capital one and they give me a number to call which lead me to XXXX credit. it was a woman that answer and had me on the phone for a long time saying that this account is in collection now, it is me that owns it, and I have to paid it or they can reach out to my job, bank account or even go to court. I kept explaining to her that even the bank can used your information cause the ask you for your name, address, telephone number last four digits of your social and your email. she asks if I was going to paid today or not, and I said no, you don't have any proof of what you are asking for, and I already said this is not my account. And the call ended. I later went to the revere police station and made a report. I was advised to also make a report to the credit Bureaus. Also, I got a letter from XXXX XXXX XXXX on this collection. Almost forgot

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I apparently have a debt of {$6100.00} from Synchrony Bank PayPal Credit that I had no knowledge of. As of XX/XX/XXXX, I am just finding out through a third party meditation advertisement letter in the mail and then searching myself on XXXX was turned over to XXXX XXXX XXXX law firm for litigation in XXXX of XXXX. 

I had no knowledge of this and have no idea what its about.

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
To whom it may concern, My name and personal information was used incorrectly. I never gave permission for it to be used and want erased from XXXX, experian and 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 2025-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XXXX, I did attempt to sale a pink coach Wallet on XXXX. Within the comments section, I noticed a XXXX support symbol attached to XXXX client. I did attempt to validate if there is XXXX support but could not locate information. Within the attachment I have provided, the contact advises me to go to offersposhmark.com. I assumed I had to create a PayPal Wallet and the customer rep would validate the account was legit. {$280.00} was debited from my PayPal wallet. 

I contacted XXXX and I was notified it was a scam. I submitted supporting evidence to PayPal on XXXX. I also uploaded documentation to support the PayPal client that defrauded me would not return my funds. PayPal did issue a {$280.00} credit back to my wallet. I was happy about that. However, PayPal proceed to submit a denial letter that stated the transaction was processed correctly. Even though I provided them evidence to support the contact is not legit, they are pointing that I am in the wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I requested a copy of my credit report from all 3 Bureau 's Unfamiliar addresses on my credit report.With california residents Banks and other companies. 
Sending me statement that my accounts may have been compromised.

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 2025-10-14 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: OK

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: GA

Complaint narrative:
This account was paid in full, yet it continues to reflect late payment marks.

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 2025-10-14 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: GA

Complaint narrative:
This account was paid in full, yet it continues to reflect late payment marks.

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 2025-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
Wells Fargo deliberately withheld the fact that I paid {$2000.00} to my escrow account in XX/XX/year>. 
They provided an inaccurate accounting of the money I paid to escrow.

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello, can you PLEASE HELP ME!! Equifax is blocking my credit report!! This is the message I am getting : Here is what they send to my email : myEquifax Sign into my account CREDIT MONITORING XXXX, you have a new Equifax credit report available. Login to your myEquifax account for details. 
This is what happens when I log in : Please give us a call and give this code to the XXXX : XXXX  Your Equifax credit report and score are not available at this time due to a technical error. Please call Customer Care at XXXX ( XXXX ). 
Our call center hours are : XXXX AM to XXXX PM ( ET ), Monday through Friday, and XXXX AM to XXXX PM ( ET ) Saturday and Sunday.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: IL

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 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 2025-10-14 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: GA

Complaint narrative:
This account was paid in full, yet it continues to reflect late payment marks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: TX

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: TX

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-10-14 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: IL

Complaint narrative:
On or around XX/XX/XXXX, I submitted formal disputes under the Fair Credit Reporting Act ( FCRA 1681i, 1681e ( b ), and 1681s-2 ( b ) ) to Experian, Equifax, and TransUnion concerning inaccurate and unverifiable information reported on my credit files. These disputes included multiple tradelines and inquiries that were either inconsistent across bureaus, unverifiable, or reported in violation of FCRA accuracy standards. 

Despite providing a detailed dispute and supporting evidence, including an FTC Complaint ( ID : XXXX ), the credit bureaus verified several accounts without supplying competent documentation or proof of liability. The bureaus failed to provide any original account applications, billing statements, or delinquency records as required for proper verification under FCRA 609. 

Accounts in dispute include XX/XX/XXXXXXXX XXXX Reported both as Charged off as bad debt and Unpaid balance reported as a loss, which are contradictory statuses that violate FCRA 1681e ( b ). 

XX/XX/XXXX Reported as Charged off, with conflicting balances and statuses across the three bureausXX/XX/XXXXr Contains unsupported derogatory information and inconsistent reporting between agencies. 

XX/XX/XXXXXXXX and XXXX XXXX XXXX Late payments were reported without verified documentation or original records. 

XX/XX/XXXX Unauthorized or unverifiable inquiries from XXXX ( XX/XX/XXXXXX/XX/XXXX were not confirmed to have a permissible purpose under FCRA 1681b. 

All three credit bureaus failed to conduct a reasonable reinvestigation as required under FCRA 1681i ( a ). The responses were limited to generic verified outcomes with no evidence or verification documents provided. These unresolved inaccuracies continue to harm my creditworthiness and misrepresent my financial history.

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 2025-10-14 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express has asked me to provide my photo identification and my address which is fine but also an original receipt -- - the original receipt is going to be a problem because its a medical research study group from over 2 years ago -- - company is XXXX.. I did the study and this is one of three cards that I got each with XXXX on them -- I have the other cards and the papers they came on if that helps at that point in time my address was XXXX XXXX XXXX XXXX XXXX XXXX / XXXX fl XXXX I have enough information from the paper that the gift card came off of to identify the account but they don't want to help you can barely speak to anyone who can speak English and this company is known to not honor these cards/ problematic issues across the board

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: CMG Financial Services, Inc.
State: FL

Complaint narrative:
I sold the house that the mortgage was on ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ). Escrow/title company wired {$490000.00} toXX/XX/XXXXXXXX Bank for the beneficiary " XXXX XXXX XXXX, XXXX '' on XX/XX/XXXX at XXXXXX/XX/XXXX MT. I have spoken with several people at CMG now who have each stated they can see no record of the payment. On XX/XX/XXXX I spoke with XXXX at XXXX who indicated he saw no record of such payment and said he would have his supervisor call me back. On XX/XX/XXXX I spoke with XXXX who indicated he saw no record of such payment and said CMG would need until XX/XX/XXXX to look for the payment. It has been XXXX weeks since the payment was made. My mortgage account still shows a loan balance of {$490000.00}, interest is accruing every day, and my escrow/title company made this large payment on XX/XX/XXXX. I spoke with someone at XX/XX/XXXXXXXX Bank, provided them with the exact dollar amount of the money that was sent via wire, and they provided me with the federal register number/federal reference number so I know the money was sent. I provided this number to CMG and that is when I was told that CMG needed another week to try to look for the wire.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: TX

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 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 2025-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
I apparently have a debt of {$6100.00} from XXXXXXXX XXXX XXXXXXXX XXXX that I had no knowledge of. As of XX/XX/XXXX, I am just finding out through a third party meditation advertisement letter in the mail and then searching myself on XXXX was turned over to XXXX XXXX XXXX law firm for litigation in XXXX of XXXX. 

I had no knowledge of this and have no idea what its about.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject: Request to Block and Delete Fraudulent Accounts  Identity Theft VictimXXXXDear Equifax Consumer Services,\nI am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the Equifax data breach, and unauthorized accounts have been fraudulently opened in my name.\nThe fraudulent accounts that I have identified on my credit report are as followsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI request that Equifax promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.XXXXFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changesXXXXIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided aboveXXXXThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activityXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief