vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One Subject : Formal Dispute and Request for Removal of Capital One Accounts Under XXXX U.S.C. XXXX To Whom It May Concern, I am writing to formally dispute certain Capital One accounts that are currently listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX and XXXX, I am exercising my legal right to request the immediate investigation and removal of any inaccurate, incomplete, unverifiable, or outdated information from my credit file. 

The accounts in question do not accurately reflect my credit history, and I have reason to believe they may be reporting in error. Under XXXX XXXX. XXXX ( a ) ( XXXX ), if a credit reporting agency can not verify the accuracy of an item within the legally required XXXX timeframe, that item must be deleted from the consumer 's file. Furthermore, XXXX XXXX. XXXX ( b ) obligates furnishers like Capital One to conduct a proper investigation upon receiving notice of a dispute from a credit reporting agency and to delete or correct inaccurate or unverifiable information. 

Given the provisions of this federal law, and the lack of valid documentation or verified reporting concerning these Capital One accounts, I am requesting their full and permanent removal from all credit reports with the major consumer reporting agencies. These accounts are causing undue harm to my creditworthiness and must be deleted in compliance with the FCRA. 

Please provide written confirmation once the accounts have been removed or an explanation supported by verifiable evidence if they are to remain. 

Thank you for your prompt attention to this matter. I am trying to buy a house and need these credit cards from Capital One removed. 

Sincerely, XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: IN

Complaint narrative:
I recently checked my credit report and noticed multiple accounts that are 1 damaging to my character and 2 not 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 2025-07-05 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: SC

Complaint narrative:
Dear CFPB, I am submitting this complaint against Experian for their ongoing and willful violations of the Fair Credit Reporting Act ( FCRA ). Despite my formal disputes, Experian has failed to take corrective action, continues to report inaccurate and unauthorized information, and has not adhered to its legal responsibilities under FCRA 1681i ( a ), 1681e ( b ), and 604.

1. Reporting of Wrong Address Experian is inaccurately reporting an address on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX This address is incorrect. I have never lived there, and I did not authorize this to be associated with my credit profile. This violates FCRA 1681e ( b ), which requires that credit reporting agencies report information with maximum possible accuracy.

2. Inaccurate Late Payment XXXX  Experian is reporting a late payment on the following account : XXXX  Account # XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$550.00} XXXX XXXX I dispute the accuracy of this late payment. No notice of delinquency or accurate billing records were ever provided. I requested Experian to validate the payment history and furnish proper documentation, which they failed to do. This is a direct violation of FCRA 1681i ( a ), which mandates full reinvestigation and validation of any disputed item.

3. Multiple Unauthorized Hard Inquiries Experian is reporting a series of unauthorized inquiries that were made without my knowledge, consent, or permissible purpose. These include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under FCRA 604, no entity may access a consumer credit file without express authorization or a permissible purpose. These hard inquiries are damaging my credit profile and reflect a lack of proper data access control. Despite my dispute, Experian failed to delete or justify these inquiries.

Requested Resolution I am requesting the CFPB to take enforcement action and require Experian to : Delete the inaccurate address from my credit profile Remove the unverifiable XXXX  late payment Permanently delete all unauthorized inquiries listed above Provide full documentation of their reinvestigation process Experians actions have negatively impacted my credit score and overall creditworthiness. Their negligence is in violation of federal law, and I request immediate CFPB intervention to resolve this matter.

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 2025-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
In XX/XX/2022, I lawfully tendered a negotiable instrument to USAA Federal Savings Bank ( FSB ) in good faith as full settlement and discharge of the alleged debt on my Visa credit card account ending in XXXX. Under the Uniform Commercial Code ( UCC 3-603 ( b ), 3-104 ( a ), and 3-311 ), when a valid negotiable instrument is tendered and refused, the obligation is discharged to the extent of the tender. 

Despite my lawful tender, USAA FSB refused to accept or process the negotiable instrument, continued to report the account as delinquent, and charged it off. Their refusal violates UCC provisions, public policy, and the Fair Credit Reporting Act ( FCRA ), which requires accurate credit reporting. 

By refusing my lawful payment, USAA FSB has unlawfully continued collection efforts and reported inaccurate, damaging information to consumer reporting agencies. I am requesting that USAA immediately update my credit report to reflect that the debt was paid and satisfied in XX/XX/2022 and cease all further collection or adverse reporting related to this account.

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 2025-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the debt you claim I owe and to point out multiple violations of consumer protection laws in your collection practices. I do not recognize any obligation to the following collection agencies : XXXX. XXXX XXXX XXXX XXXXXXXX Pursuant to 12 CFR 1006.34 ( b ) ( 5 ), I request full debt validation, including the original creditors name, account number, total alleged balance, and an itemized statement of all fees, charges, and interest. I also request a copy of the purchase agreement between your agency and the original creditor to substantiate your authority to collect this debt. A complaint has been filed with the Consumer Financial Protection Bureau regarding these concerns. 

Additionally, I hereby revoke permission for contact via phone, email, or text. All further communication must be in writing. Your failure to afford me a proper opportunity to dispute this debt, as required under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), is a violation of my rights. Your collection practices have been deceptive and lack required legal disclosures. Furthermore, it is unlawful for XXXX XXXX to report this debt without providing the disclosures mandated by 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
To Whom It May Concern, On XX/XX/year>, I deposited {$740.00} into a Wells Fargo ATM located at XXXX XXXX XXXX XXXX, XXXX, NC XXXX. During the deposit process, the machine jammed and failed to credit the funds to my account. 

Immediately after the incident, I filed a dispute inside the branch with a banker. Despite taking the appropriate steps, Wells Fargo has refused to return my funds and has not provided a clear or valid explanation for the denial. 

I returned to the branch on XX/XX/year>, to speak with a manager. I was told that the claims line is closed on weekends, and I was further informed that I would not receive a credit because my account was in the negativedespite the fact that I have proof of the deposit and the ATMs malfunction. 

I am formally requesting a full investigation into this matter and an immediate refund of the {$740.00} that was not credited due to the ATM error.

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 2025-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
I am being sued by Velocity Investments LLC in two separate small claims cases in XXXX XXXX, FL XXXX XXXX XXXX XXXX ), where they are attempting to collect consumer debts purchased from original creditors XXXX XXXX XXXX XXXX  However, Velocity Investments LLC is not licensed to collect consumer debts in the State of Florida, as required by Fla. Stat. 559.553 under the Florida Consumer Collection Practices Act ( FCCPA ). 

In XXXX XXXX. XXXX, filed XX/XX/year>, they are collecting {$1900.00} from an XXXX account. I was served on XX/XX/year>, and the attorney is XXXX XXXX PA ( email : XXXX ). I requested validation and only received a generic agreement printout. No evidence of legal debt ownership was provided. 

In XXXX XXXX. XXXX, filed XX/XX/year>, they are collecting {$1100.00} from a XXXX account. I was served XX/XX/year> and filed an Answer and Motion to Dismiss. The attorney is XXXX XXXX XXXX XXXX ( email : XXXX ). Again, they failed to produce valid proof of ownership. 

In both cases, Velocity is actively collecting and litigating debt in Florida without being licensed, a direct violation of Fla. Stat. 559.785, which makes unlicensed collection a first-degree misdemeanor. They are violating state law and misleading consumers and the courts by claiming they have authority to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
I just randomly checked my credit report and noticed this debt on here and I'm unable to figure out what it's for I have no idea of this. Which I believe it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: WA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-05 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$29000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00}. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$29000.00}.

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 non-monetary relief
Consumer complaint received 2025-07-05 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: CA

Complaint narrative:
I sent to both TransUnion and Experian letters of dispute and in those disputes I specifically included XXXX forms of identity proof XXXX. Copy of my social security card and XXXX. A copy of my current California drivers license with my correct mailing address on it. I sent these XXXX forms of id. To prevent delays and yet still I received delay tactic computer generated letters denying my disputes I called and talk to both companies and told them both I still expect those disputes be processed and of not then I will be contacting any and all authorities including the CFPB I was more than shocked by both companies reactions as I could tell they were snickering as they told me thats up to you like it was nothing my time is valuable and those companies need to be let know they cant do this to people whom life they hold in Their hands especially because they waited XXXX days or more to send me the letters of refusal to investigate. I have rights and cone XXXX days from now as law states the XXXX days will be up and they must remove all the writefully disputed information that was in my original dispute unless they can send me the information that proves they have a right to report the information they cant just call these people who dont even check to the correctness of information and just report back they need to have stuff in my file to show proof please get back to me at the soonest available time thank you kindly. 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 2025-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
On or before XX/XX/year>, I disputed an alleged debt and submitted a formal cease-and-desist and debt verification request to Synchrony Bank under 15 U.S.C . 1692g ( b ) and 1692c ( c ). I clearly stated that no further contact was permitted unless the debt was properly validated. 

Despite this lawful request, Synchrony Bank failed to provide validation of the alleged debt and instead continued to contact me, including sending three separate letters on XX/XX/year>, all postmarked the same day with varying postage and originating from the same address. These actions were taken after my cease-and-desist notice and dispute, which makes them unlawful and retaliatory. 

Synchrony Bank has admitted via a prior CFPB response that they received my cease-and-desist letter and statutory damages invoice. Despite this confirmation, they have failed to take corrective action, offer payment, or cease communication a willful act of noncompliance. I have now invoiced them for {$4000.00} in statutory damages, based on repeated and escalating violations of federal and state law. 

This behavior violates the following laws : 15 U.S.C. 1692c ( c ) Continued contact after written request to cease 15 U.S.C. 1692g ( b ) Continued collection efforts without debt validation 15 U.S.C. 1692e ( 5 ) and ( 10 ) False or deceptive collection conduct Minnesota Stat. 332.37 ( 12 ) Harassment by collection agency Minnesota Stat. 325F.69 Deceptive or unfair business practices I am requesting that the CFPB : 1. Investigate Synchrony Banks conduct, 2. Compel them to cease all further contact, 3. Confirm that the debt is unvalidated and unenforceable, 4. Prompt a response to the statutory damages demand I have submitted in writing.

This is not a duplicate complaint. The company has engaged in new and escalating contact after my prior CFPB submission, specifically on XX/XX/year>, in violation of existing law. These mailings constitute fresh violations and are submitted now as separate, documented acts of harassment that warrant additional regulatory enforcement. 



I submitted all this with no third party representation and I speak like this because I have the ability to do as such. This is a brand new complaint after receiving three pieces of mail upon finding evidence Ive uploaded on to this complaint.

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 2025-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting the attached open letter as an official complaint against all three major credit reporting agencies : Equifax, Experian, and TransUnion. This letter reflects my personal experience but also exposes a broader pattern of deception, manipulation, and abuse within the U.S. credit scoring systemparticularly the FICO 8 model. I recently suffered a drastic and unjustified 33-point drop on my credit report immediately after a payoff, despite having no late payments, no collections, and a history of responsible behavior.

The letter details how the algorithms used by these bureaus punish consumers unfairly, provide no transparency, and create intentional barriers to dispute or correction. I have attached this testimony to demand urgent federal oversight, reform, and accountability. This is not just about methis is about a system that millions are being crushed by.

I respectfully ask the CFPB to investigate and respond to these practices and to include this letter as part of a formal public complaint for the record.

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 2025-07-05 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: FL

Complaint narrative:
I am submitting the attached open letter as an official complaint against all three major credit reporting agencies : Equifax, Experian, and TransUnion. This letter reflects my personal experience but also exposes a broader pattern of deception, manipulation, and abuse within the U.S. credit scoring systemparticularly the FICO 8 model. I recently suffered a drastic and unjustified 33-point drop on my credit report immediately after a payoff, despite having no late payments, no collections, and a history of responsible behavior.

The letter details how the algorithms used by these bureaus punish consumers unfairly, provide no transparency, and create intentional barriers to dispute or correction. I have attached this testimony to demand urgent federal oversight, reform, and accountability. This is not just about methis is about a system that millions are being crushed by.

I respectfully ask the CFPB to investigate and respond to these practices and to include this letter as part of a formal public complaint for the record.

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