vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: PERDUE BRANDON FIELDER COLLINS & MOTT LLP
State: TN

Complaint narrative:
I received a letter on XX/XX/XXXX from the law office of Purdue, Brandon, Fielder Collins and Mott LLC, stating that my personal information and fines from a 1st ( and last ) misdemeanor court disposition back in 2008 has been sold to them. Within that letter it states that if I don't pay {$200.00} of which I'm guessing of what the fines are then I would be subject to a warrant ( being arrested ) or license revoked. I was unaware that the court has the legal right to sell our personal information or give authorization to view such information. The courts told me that since it was a first time then I would not have any fines nor would it be on my record but that was a lie apparently. Also, it says this is the second notice of collection but I never received the first one, especially not from them!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-23 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase made a promotional offer within their online banking system and despite they openned the credit card account on my name, granting me XXXX in credit, mailed me a new credit card and have me activated since XX/XX/XXXX, I came to find out through the credit card statement that the terms of the promotion ( 0 % APR for 18 months ) was not applied. When I've called on XX/XX/XXXX to discuss, I was told by the representative that I was not eligible to the promotion. I've asked why? & why I was not notified in writing? and why they mailed me a new credit card and made me activated if the promotional terms were not granted? Only explanation given is that I was not eligible. CHASE offer is misleading and since my credit got impacted for openning new card, they should be accountable for their actions and grant me the promotional terms as outlined in their offer from the start.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: CA

Complaint narrative:
As of XX/XX/year>, following my report of a data breach, XXXX claimed reinvestigation has resulted in multiple accounts now displaying factually impossible data. XXXX process appears to rely on automated systems ( bots ) rather than a proper, human-conducted review, thereby failing to conduct a reasonable reinvestigation as required under the Fair Credit Reporting Act ( XXXX U.S.C. XXXX ( a ) ( XXXX ) & XXXX ( a ) ( XXXX ) ). 

Despite my prior disputes, multiple accounts continue to reflect demonstrably false, factually impossible, and unverifiable information that has in fact worsened after reinvestigation. 

This systemic failure constitutes a clear violation of my rights to fair and accurate credit reporting. I demand a full, company-wide investigation of XXXX reporting and reinvestigation practices, including a forensic review of all data sources and automated processes. Equifax must immediately delete all inaccurate or unverifiable accounts and derogatory information that can not be supported by uncompromised documentation, and provide written confirmation of corrective action within XXXX  days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXX ( b ) and XXXX USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-09-23 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:
Dear CFPB & Transunion : This letter is in response to File Identification Number : XXXX This letter is in response to your claim that XXXX XXXX  XXXX verified that the account that they are reporting is accurate. 

This letter is in response to your claim that XXXX XXXX  XXXX verified that the account that they are reporting is accurate. 

This letter is in response to your claim that XXXX XXXX XXXX verified that the account that they are reporting is accurate. 

Please be advised that I am exercising my rights under FCRA XXXX ( a ) ( XXXX ) ( B ( XXXX ) and ( XXXX ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. 

The item in question is inaccurate and represents a very serious reporting error. 

I expect to receive a response within XXXX  days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. 

Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX 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 non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
i am requesting my full file disclosures from all XXXX cra 's - transunion, equifax, and experian according to the FCRA.

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 2025-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lloyd & McDaniel, PLC
State: GA

Complaint narrative:
Lloyd & McDaniel , PLC XXXX XXXX XXXX XXXX XXXX has consistently self-identified as a debt collector on every XXXX of their written communications, effectively binding themselves to FCRA and FDCPA regulations. On XXXX XXXX, XXXX, in open court, XXXX & XXXX clearly expressed that they can not present anything more than an incorrect address and an unverified account number scribbled on a piece of scrap paper as the basis for their claim. They DID NOT present lawful validation, contract, chain of title, or proof of standing. They continue to bypass legal obligations and disregard consumer law protections. Their continued use of my consumer information to support court filings and unlawful litigation without standing, using fraudulently obtained documentation constitutes identity theft, leading me to file an FTC report. XXXX & XXXX is engaging in unlawful debt collection practices that XXXX XXXX XXXX XXXX ( XXXX ) XXXX conduct, which has been sanctioned repeatedly by the CFPB ( XXXX and XXXX ) and condemned in XXXX XXXX XXXX ( XXXX ). Despite multiple certified disputes and cease-and-desist notices, XXXX & XXXX has continued activity without lawful validation. Like XXXX, XXXX & XXXX has presented no legally recognized validation documentation when asked to do so upon request. Instead, they continue to present copies of billing statements after I previously cited XXXX v. XXXX ( XXXX XXXX. XXXX ) - a precedent that dictates mere copies of billing statements, under XXXX U.S.C. XXXX ( b ), DO NOT CONSTITUTE VALIDATION or establish standing to pursue collections or litigation. Their failure to validate when directly asked, in person, by certified mail, in a court of law, and in response to CFPB complaints ( # XXXX ) continues to express a lack of standing and underscores a pattern of deceptive and unlawful practices and abuse of the legal system. Furthermore, XXXX XXXX has stated in response to a CFPB complaint ( # XXXX ) that it does not recognize me as a customer, reconfirming XXXX & XXXX has no standing to pursue their claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: PA

Complaint narrative:
Received notice XX/XX/XXXX from XXXX  that they would refuse med services if a {$1600.00} wasn't paid. I responded XXXX. 
Received multiple text messages from XXXX XXXX and XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX to pay debt. Called asset care XX/XX/XXXX to tell them it is not me. 
Received personal message again from XXXX  to call. I did and was told they couldn't find anything but they have a new system. Referred me back to the debt collector- possibly referring to debts before XXXX when I didn't live in the state!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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:
It is crucial to highlight that I have no affiliation with the specified creditors and did not approve this inquiry. Please take swift measures to eliminate it from my credit report. Thank you for promptly addressing 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 2025-09-23 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
I received a letter dated XX/XX/year> from Synchrony Bank congratulating me on my new XXXXXXXX XXXX XXXX XXXX. I immediately called them because I did not apply or open this account. They did say they would close the account but I asked for more information and was given none! I was told I could send a letter to get a copy of the application to take to the police. I sent that letter on XX/XX/XXXX and have not heard back. I have called Synchrony Bank at least 4 times to get information and they have not been helpful at all. How do I not know that they are the ones being dishonest and opening this account. 
The account was opened with my maiden name and it was a business account that was opened.

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 2025-09-23 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: CA

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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 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 2025-09-23 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: TX

Complaint narrative:
These accounts appear to be fraudulent and do not belong to me. I ask that you investigate and remove them from my credit profile. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: CLGF Holdco 1, LLC
State: AL

Complaint narrative:
I am filing a complaint regarding a Concora Indigo Card account ending in XXXX, which was opened in error earlier this year and immediately cancelled. 

The problem stems from the way Concoras website presented the application. The site was misleading : it displayed my potential credit limit and terms in a way that suggested I would be able to review the offer and either accept or decline before an account was created. Instead, without any final approval from me, the system automatically opened the account. This was deceptive and not what was represented on the website. 

The account also carried extremely unfavorable terms, including a high interest rate and monthly fee. I did not consent to these terms, and I called immediately to cancel the account. A phone representative confirmed that the account was cancelled within less than an hour of being opened and assured me it would not report to the credit bureaus. I never received a credit card, a statement, or any correspondence.

Despite these assurances, the account was reported to the credit bureaus as open for one month. This has unfairly harmed my credit history and reduced my overall credit age. 

I have called multiple times to resolve this. Most recently, on XX/XX/year> around XXXXXXXX XXXX XXXX I spoke with a representative who apologized, acknowledged the issue, and said they would consult with a manager. After placing me on hold, the line returned with fake-sounding static and then disconnected. I said several times, Hello? I cant hear you. Can you call back? but no one ever returned the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: VA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. Supporting documents are enclosed to validate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: GA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief