vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Accscient, LLC
State: GA

Complaint narrative:
I am writing to formally dispute the debt that your agency has reported to my credit report. I have never received any written notice or validation of this debt, as required under the Fair Debt Collection Practices Act ( FDCPA ). Additionally, I believe the reporting of this debt to my credit report is inaccurate and should be removed immediately. 

Under the FDCPA, I request that you provide me with written validation of the debt, including the original creditor, the amount owed, and any documentation proving that I am responsible for this debt. Until proper validation is provided, I dispute the debt in its entirety and request that you cease all collection activities. 

Furthermore, I demand that you remove this collection account from my credit report unless and until you provide valid proof of the debt. Reporting inaccurate or unverified information to credit bureaus violates the Fair Credit Reporting Act ( FCRA ), and I am prepared to escalate this matter if necessary, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Please consider this letter a formal request for debt validation and a dispute of the collection entry on my credit report. I expect a response within the legally required timeframe.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-01 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:
I am writing to formally file a complaint against XXXX for their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o, which addresses civil liability for negligent noncompliance. XXXX negligence in handling my credit report has resulted in financial and reputational harm to me, and I am seeking immediate resolution. 

Complaint Details : On XX/XX/year> I reviewed my credit report from XXXX and noticed several inaccuracies, including : XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Security Credit Services . 
I submitted a dispute to XXXX on XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> via online requesting supporting documentation to prove the inaccuracies. 
XXXX failed to conduct a reasonable investigation and did not correct the errors within the 30-day period required by law.

As a result of these errors, I have suffered financial harm, such as denial of credit, increased interest rates, and emotional distress.

Under 15 U.S. Code 1681o, XXXX is liable for negligently failing to comply with the FCRA, causing me harm. I am requesting the CFPB to take immediate action against XXXX, including : 1Ensuring XXXX corrects the inaccuracies on my credit report. 
2Imposing appropriate penalties for their negligence. 
3Requiring XXXX to provide a detailed explanation of their investigation process and any corrective actions taken. 

I urge the CFPB to take swift action to hold XXXX accountable for their negligence. 

Thank you for your time and assistance. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally file a complaint against XXXX for their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o, which addresses civil liability for negligent noncompliance. XXXX negligence in handling my credit report has resulted in financial and reputational harm to me, and I am seeking immediate resolution. 

Complaint Details : On XX/XX/year> I reviewed my credit report from XXXX and noticed several inaccuracies, including : XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 
I submitted a dispute to XXXX on XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> via online requesting supporting documentation to prove the inaccuracies. 
XXXX failed to conduct a reasonable investigation and did not correct the errors within the 30-day period required by law. 
As a result of these errors, I have suffered financial harm, such as denial of credit, increased interest rates, and emotional distress. 

Under 15 U.S. Code 1681o, XXXX is liable for negligently failing to comply with the FCRA, causing me harm. I am requesting the CFPB to take immediate action against XXXX, including : 1Ensuring XXXX corrects the inaccuracies on my credit report. 
2Imposing appropriate penalties for their negligence. 
3Requiring XXXX to provide a detailed explanation of their investigation process and any corrective actions taken. 

I urge the CFPB to take swift action to hold XXXX accountable for their negligence. 

Thank you for your time and assistance. I look forward to your prompt response. 

Sincerely, 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 2025-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have been calling my bank since XX/XX/XXXX reminding them that my debit card was to expired on XX/XX/year>. Called every week and every week I was lied to that the card was sent out. Every time I called and was told that the card was not sent out. This has put a burden on me because I have no available card to asset money without my debit. I can not buy anything - food, meds, etc.

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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: TN

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 2025-04-01 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: DE

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account XXXX : XXXX XXXX - Date Opened XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This account is on my credit from LVNV Funding.. I have called them and told them this is not my debt. I have perfect credit. This is account has been on my credit for over a year. I have told them I have never had an XXXX XXXX XXXX credit card. 
I have credit cards with credit limits over XXXX limits. This card is only {$1000.00}. I would never accept a card with a balance this low.. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
Complaint Category : Credit reporting, credit repair services, or other personal consumer reports Subcategory : Problem with a credit reporting companys investigation into an existing problem Complaint Details : I am a victim of identity theft, and a fraudulent account is appearing on my credit report with XXXX and XXXX. The details of the fraudulent account are as follows : Creditor Name : BK OF AMER ( Bank of America ) Account Number : XXXX Account Type : Revolving ( Credit Card ) Account Status : Derogatory Balance : {$10000.00} Payment Status : XXXX  Date Opened : XX/XX/year> I never opened this account, never signed any documents for it, and never made any payments on it. I have never had a credit card with Bank of America. This account is fraudulent and was opened without my authorization. 

I have already taken multiple steps to dispute this fraudulent account : Filed an identity theft report with the FTC. 

Disputed the account multiple times with XXXX and XXXX. 

Sent dispute letters to both credit bureaus requesting removal of this fraudulent account. 

Despite my repeated disputes, XXXX and XXXX have failed to remove this fraudulent account from my credit report. This is negatively impacting my credit score and financial standing.

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 2025-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: IN

Complaint narrative:
Chime allowed unauthorized transactions on my account and refused to refund me even though I'm covered for unauthorized transactions according to the chime agent. Chime agent closed the account due to unauthorized transactions and told me I would receive my funds back through the mail. I later received an email stating chime will not return my funds back to me. Chime violated the Regulation E and ETA ( Electronic Transfer Act ), for which Chime did not provide me a provisional credit after the 10 business days and didn't return the funds after 45 days investigation. The investigation took about XXXX days and I still haven't received any information or my funds. I was told by an Chime agent that the funds would be mailed to me by a check and I haven't received anything. Chime has violated the law under Regulation E and ETA act, for which Chime has stated they don't follow those laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: CA

Complaint narrative:
These following accounts are no longer in dispute. 


Account Name : XXXX XXXX # XXXX Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX XXXX Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Unauthorized Inquiry

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 2025-04-01 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: OH

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1000.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} Austincapbk Date Opened XX/XX/XXXX Balance {$0.00}

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 explanation
Consumer complaint received 2025-04-02 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: OH

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-04-01 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I have a CD maturing on XX/XX/year>. I called today, XX/XX/XXXX, to inquire on the process to close the account upon maturity. I spoke with two individuals, one being XXXX with an employee ID of XXXX. Both individuals informed me that upon maturity, it will take 2 - 3 business days for their back office to close the account and an additional 4 days for their funds to be transferred to my linked external bank account. That is outrageous. Why does it take 2 - 3 business days for their back office to close the account upon maturity?! They sit on the funds for 2 - 3 business days!! That cant be legal. Its a CD. Not a market traded CD. This was never disclosed to me upon opening the 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 2025-04-01 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: OK

Complaint narrative:
I am submitting this complaint to request the deletion of a specific account from my credit report with Equifax Information Service LLC due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX, XXXX, XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect information identified in reports from all three credit bureaus.

Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right.

Supporting Case Law : In Cortez v. XXXX XXXX, XXXX ( 617 F.3d 688 ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. Dennis v. BEH-1, LLC further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I was affected by the California wildfires and requested a payment deferral from Hyundai Motor Finance USA for XXXX and XXXX due to the natural disaster. A customer service representative informed me that deferrals were granted on a month-to-month basis so I would need to call back for the month of XXXX, so they processed my request for XXXX, and I agreed to call back for XXXX. 

My XXXX deferral was approved, and I received a signed agreement from Hyundai confirming it. The following month, I called back to request the XXXX deferral, which was also processed and approved. I received another signed agreement stating my payment was deferred, with my next payment due in XXXX. 

However, when I logged into my HMFUSA account, I saw a past-due balance. When I called customer service, they told me my XXXX deferral had been rejected. I explained that this must be a mistake, as I have a fully signed agreement from Hyundai confirming the deferral, with no mention of it being subject to further approval.

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