vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 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: MO

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: VA

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

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 2025-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am formally disputing the accuracy, completeness, and legal validity of the Charge-Off account currently appearing on my credit file. Upon review, I have determined that this account is being reported in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, as the information furnished is inaccurate, incomplete, and remains unverified.

Pursuant to FCRA 602 ( a ) and 611 ( 15 U.S.C. 1681i ), I am exercising my statutory right to dispute and demand the reinvestigation of any item of information that is inaccurate or can not be fully substantiated. To date, the furnisher has failed to provide competent evidentiary documentation validating the alleged debt, including but not limited to A signed contract bearing my signature ; Documentation establishing ownership of the debt ; Evidence of authorization or liability ; A complete and accurate accounting of the balance reported.

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 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint against Experian Information Solutions XXXX Inc. for violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Experian is reporting a debt collection account on my credit report that is not mine, that I have never owed, and that is completely unauthorized. The inaccurate account is a XXXX XXXX collection with the following details : Collection Agency : Online Information Servi Account Number : XXXX Original Creditor : XXXX XXXX XXXX Progress Date Opened/ Reported : XX/XX/year> Balance : {$750.00} Status : In collections This XXXX XXXX account is 100 % fraudulent and unauthorized as it relates to me. I have never in my life owned or rented a home, condominium, apartment, or any property that would require a XXXX XXXX utility account. I have never applied for, opened, or put my name on any XXXX XXXX account or any other utility account anywhere. I have never received a bill from XXXX XXXX and have never made a payment to them. This account could only have been opened fraudulently using my personal information without my knowledge or consent. 
I disputed this fraudulent collection directly with Experian in writing on XX/XX/year> and again on XX/XX/year>, clearly explaining that I have never had a XXXX XXXX account, have never owned or rented property, and have never placed utilities in my name. I demanded deletion of this inaccurate and unverifiable information. 
Despite my disputes, Experian has failed to delete the item and continues to report it as verified. Experian has either conducted no reasonable investigation or is knowingly reporting false and fraudulent information, which is severely damaging my credit score and my ability to obtain credit.

Experians actions violate 15 U.S.C. 1681e ( b ) ( failure to follow reasonable procedures to assure maximum possible accuracy ) and 15 U.S.C. 1681i ( failure to conduct a reasonable reinvestigation and delete inaccurate or unverifiable information ).

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 2025-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
CFPB WHAT HAPPENED ( Midland Credit Management ) On or around XX/XX/year>, I received a written collection letter from Midland Credit Management attempting to collect an alleged balance of {$2200.00} on an account they claim originated from XXXX XXXX XXXX. The letter offered settlement options and stated that I should respond by XX/XX/year>. I have never received any prior validation of this debt, nor has Midland provided proof that the account belongs to me or that they have the legal right to collect it. 

I have previously disputed unverified accounts with the credit bureaus and requested proper verification under the Fair Credit Reporting Act, and this alleged account was never validated or confirmed during those disputes. The debt collector contacted me without providing evidence that the debt is accurate, owed, or associated with me. Because of this, the attempt to collect this debt appears improper and may fall under attempts to collect a debt not owed. 

I have not received any documents showing the original contract, itemized statements, charge-off details, proof of ownership, or assignment of rights from the original creditor. Midland has only sent a generic collection notice offering settlement amounts, but no legally required validation. As a result, I can not confirm the legitimacy of the debt or the amount claimed. 

I am requesting CFPB assistance because Midland Credit Management has attempted to collect a debt that has not been validated and may not be owed. I would like all collection activity to stop until proper verification is provided in compliance with the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: KY

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report, as I did not create them and was not informed of their presence. In compliance with USC 1681g, I expect their removal within 15 days. Please find the enclosed supporting 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 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: SC

Complaint narrative:
{$1200.00} This emotional toll has been very overwhelming. I have lost sleep, felt constant stress, and experienced the embarrassment of being turned away by landlords for something that i believe should not even be on my record. this has impacted not only me, but my ability to provide safe and stable housing for my family. This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
Iam being pursued by Capio Partners , LLC for a minors medical bill that should not be in collections. The original healthcare provider failed to bill my childs secondary insurance, which would have covered the remaining balance. Instead of correcting the billing error, the account was improperly sent to collections. 

I informed Capio that the balance is inaccurate and that insurance billing was never completed, but they have continued contacting me and attempting to collect the debt. Their communication has been harassing and persistent, even after being notified that the debt is disputed. 

Capio Partners is attempting to collect an amount that is not legally owed due to the providers insurance-processing error. Under the FDCPA, a debt collector can not pursue collection of an invalid or incorrect debt, nor harass a consumer after being notified of a dispute. 

I request that this incident be investigated, as the collection activity is improper and causing unnecessary stress and inconvenience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
To Whom It May Concern. This letter serves as a formal request for the immediate deletion of fraudulent information appearing on my credit report, in accordance with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). 
Despite multiple disputes and the evidence I have previously submitted, this account continues to be reported, which constitutes a violation of federal law. 
Enclosed you will find a copy of my Identity Theft Report issued by the Federal Trade Commission, FTC Report Number : XXXX. 
As required under 15 U.S.C. 1681c-2, once an identity theft report is provided, a credit reporting agency must block the disputed information within four ( 4 ) business days. You have failed to meet this obligation. 
The account that must be immediately removed is : XXXX - XXXX, XXXX XXXX - XXXX This account does not belong to me and is the direct result of identity theft. Other credit bureaus have already deleted it after being unable to verify its legitimacy. The furnisher has failed to produce any signed agreement or verifiable documentation for over 60 days, confirming that this account can not be validated. 
However, EQUIFAX continues to report it, knowingly allowing inaccurate and harmful information to remain on my file. 
Your failure to remove this fraudulent account has caused ongoing financial and personal harm, including credit denials and the inability to move forward with essential financial goals such as home ownership. 
This situation is both unacceptable and unlawful. 
I am demanding that you immediately block and delete this fraudulent account from my credit report. 
If this issue is not resolved promptly, I will proceed with filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General for your continued noncompliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
Synchronized Bank took my Rewards Balance : {$7900.00} because the said they were concerned about my intention to pay my account in the future. 

There is no reasonable justification for this decision. The outcome is that Synchrony avoids paying the earned Amazon credit.

My Synchrony Bank Amazon credit card account was closed without prior notice.

This was the reason stated for the closure : The reason ( s ) for our decision are listed below : Payment and unusual purchase history on your credit account that Synchrony deems may be indicative of future intention not to pay. 

New Balance as of XX/XX/year> was credit balance of {$320.00}. Credit limit {$10000.00}. 
30 Day Billing Cycle from XX/XX/year> to XX/XX/year> Rewards Balance : {$7900.00} My credit scores are very high and the always paid the balances in full or before due date. My pattern of purchases are about the same all the time. 

I called Synchrony and they said because the account was closed I forfeited the accrued Amazon store credit I had accrued over a long period.

The only reasonable conclusion as to why the account was closed was to steal the Amazon store balance. Beware and dont accrue balances on credit cards. Synchrony Bank will take them if you do. Be careful with Amazon and Synchrony Bank.

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 2025-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Mercedes Benz Financial Services
State: TX

Complaint narrative:
I was involved in an accident XX/XX/XXXX. It wasn't until XX/XX/XXXX that XXXX XXXX accepted liability for the accident on behalf of the person who hit me. I was stopped at a stop sign. 

Mercedes decided to repossess my XXXX, before the insurance adjuster could even asses the vehicle, and they are refusing to give the vehicle back unless I now pay {$55000.00} and they reported me to the credit company 's as repossessed due to nonpayment. My credit is sunk to the floor and all my loans are being denied. They have completely wrecked my life and I did nothing wrong. My last car payment was due XX/XX/20 and that payment was made on time. I can prove that all of my payments were made on time, yet Mercedes has stolen my vehicle, and they're ruining my finances. I am begging you for help. Please don't let Mercedes keep screwing over people. I will never in my life do business with this company again.

Attached is a screenshot of every single payment I made this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
To Whom It May Concern, Capital One Customer Service I am writing to formally dispute the missed payment reported on my Capital One account ending in XXXX. The payment that was due on XX/XX/XXXX did not process because of an unexpected fraudulent charge that occurred on my XXXX XXXX account, which caused my available funds to be impacted without my knowledge. 

Because of this fraudulent activity, my payment to Capital One was returned and marked as missed before I had the chance to correct the issue. As soon as I became aware of the problem, I contacted my bank and began the process of resolving the fraudulent charge. 

I respectfully request the following : 1. Removal or correction of the missed payment notation from my account and credit report.

2. Removal of any late fees, if applied, related to this incident.

3. Consideration that this situation was the direct result of bank fraud outside of my control. 

I have always made every effort to keep my account in good standing, and I believe this missed payment should not negatively impact my credit history. 

Please let me know if any documentation is needed from XXXX XXXX  or regarding the fraud claim. I appreciate your understanding and quick attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: PR

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-12-04 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: AL

Complaint narrative:
I disputed 3 late payments with documentation refuting the accuracy, and it has not been removed. Evidence was provided.

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute fraudulent information listed on my credit report, pursuant to my rights under 15 U.S.C. 1681c-2, and to request the immediate block and removal of this information. For evidence, I have attached a copy of my FTC Identity Theft Report ( FTC Report Number : XXXX ). 
As stipulated by 15 U.S.C. 1681c-2, upon the filing of an identity theft report, consumer reporting agencies are required to block any information identified by the consumer as stemming from the theft within four ( 4 ) business days.

The following items on my report are a direct result of identity theft and must be blocked : XXXX XXXX  XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX XXXX  XXXX - XXXX In compliance with 15 U.S.C. 1681c-2, I respectfully request that these accounts be immediately frozen on my credit report. This block must remain in effect for a period of no less than one year, subject to extension, and during this time, no information related to these fraudulent accounts may be reported.

I have previously contacted the bureau on multiple occasions regarding these accounts, yet the matter remains unresolved. The continued presence of these inaccurate items is causing significant personal and financial hardship by obstructing my ability to secure financing for a home and other essential financial tools. Furthermore, these specific accounts have already been removed by other major credit bureaus after failing verification, which underscores the inaccuracy of their reporting.

In accordance with my rights, I also requested verification documents and contract copies from the furnishing companies for these accounts. After the legally permissible period has elapsed ( over 60 days ), I have received no response. Given the lack of verification and their fraudulent nature, I respectfully urge you to facilitate the immediate and permanent removal of these accounts from my credit file.

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 2025-12-04 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: CA

Complaint narrative:
I am writing to formally dispute the information that has been reported on my credit report by the following credit bureaus : Equifax, Below are the accounts in dispute, separated for each bureau : Charged Off Accounts : XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$160.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$410.00} Late Payments : XXXX XXXX Account Number XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
ATTN : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Equifax, and XXXX  I am submitting this formal complaint and sworn affidavit against XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account:XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX, supported by my three XX/XX/year> credit reports ( XXXX, Equifax, TransUnion ) XXXX This combined submission demonstrates clear, consistent, and willful violations of the Fair Credit Reporting Act ( FCRA ), the Fair Credit Billing Act ( FCBA ), IRS cancellation-of-debt regulations ( 1099-C ), and federal case law governing credit reporting accuracy. 
This is my third year asking XXXX XXXX to correct false reporting, and they continue to furnish knowingly inaccurate, inconsistent, and unverifiable information.

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