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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

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 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: Incorrect information on your report — Account information incorrect
Company: Possible Financial Inc
State: TX

Complaint narrative:
Possible Financial is inaccurately reporting charge-off and balance information to the bureaus. Disputes were filed, but no correction was made, violating FCRA. I request deletion or correction immediately.

Company public response: Company disputes the facts presented in the complaint
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:
XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Report Date : XX/XX/XXXX this fraudulent account to my credit file that was opened without my consent or knowledgeable of.

I have been a victim of identity theft.

Is it illegal to report false information to credit bureaus

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: COMMERCE BANK
State: TX

Complaint narrative:
The purpose of my dispute is to put my XXXX XXXX XXXX and FTC Report # XXXX on file with XXXX XXXX XXXX XXXX as well as Commerce Bank, then to all companies who XXXX come or contact me as a result of data breaches, Identity Theft and leaks. My initial Idnetity theft was ignored by all of the credit reporting agencies due to the fact that Commerce Bank is trying to collect a debt created by identity theft and have had that debt reinstated onto my file which is a violation of the XXXX. The law is being broken and the XXXX XXXX and XXXX XXXX each are claiming they are doing further investigation which have not turned up any contract by and between Commerce Bank and myself and there is no debt validation that can be verified because I did not sign nor recieve a contract for their products or services. I have not requested, recieved or benefitted from their products and can not be legally reported on negatively for this debt arising out of XXXX XXXX

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously submitted a valid identity dispute under FCRA 605B, including : 1. A signed FTC Identity Theft Report 2. A police report filed with my local Police Department 3. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA 1681c-2 ( a ) : ee attached for each company. Under federal law, you are required to block the above mentioned information from my file within 4 business days of receiving a valid identity theft report. You have failed to do so, which 1 of 5 constitutes a willful violation of federal law. Furthermore, I have issued a written revocation of authorization to each furnisher. Continued reporting of these accounts without a permissible purpose is now considered unauthorized data furnishing under FCRA 604.

I demand : 1. Permanent deletion of the fraudulent accounts listed above 2. Written confirmation within 4 business days 3. A full compliance statement showing that youve blocked the data as required by law Failure to act will result in formal complaints to the CFPB, FTC, and litigation for damages under FCRA 616 & 617.

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: FL

Complaint narrative:
I previously submitted a valid identity dispute under FCRA 605B, including : 1. A signed FTC Identity Theft Report 2. A police report filed with my local Police Department 3. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA 1681c-2 ( a ) : ee attached for each company. Under federal law, you are required to block the above mentioned information from my file within 4 business days of receiving a valid identity theft report. You have failed to do so, which 1 of 5 constitutes a willful violation of federal law. Furthermore, I have issued a written revocation of authorization to each furnisher. Continued reporting of these accounts without a permissible purpose is now considered unauthorized data furnishing under FCRA 604.

I demand : 1. Permanent deletion of the fraudulent accounts listed above 2. Written confirmation within 4 business days 3. A full compliance statement showing that youve blocked the data as required by law Failure to act will result in formal complaints to the CFPB, FTC, and litigation for damages under FCRA 616 & 617.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Winklevoss Exchange LLC
State: MA

Complaint narrative:
I have been locked out of my account for several months.

Three weeks ago i completed the process to change my XXXX phone number with Gemini. They requested i upload identity verification documents which i did through XXXX XXXXXXXX. But they failed to change my information as requested. Now my account is past due and i cant log in to pay them. I notified them this would be the result of continued failures to update my information. 

Ticket id numbers XXXX XXXX They have yet to rectify the problem and now after an entire month of trying to log in to my account they now say my account is past due.

Company response to consumer: Closed with 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Possible Financial Inc
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against POSSIBLE FINANCIAL INC regarding an account I have with them XXXXXXXX XXXX XXXX I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : POSSIBLE FINANCIAL INC XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$440.00}. 

I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with POSSIBLE FINANCIAL INC buttonoavail.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Perpay, Inc.
State: FL

Complaint narrative:
I open a fraud case few months again whit perpay regarding charges from XXXX on the credit card not auth by me I also contact XXXX and they do not hay any account or purchase whit my information they even do not have on record my credit card number. This is more than obvious is a fraud and perpay refuse to refund those charges .they card is suspended and today I got an email again for charges from this company XXXX again on my card im demanding have a full refund for the charges collected on my card from this company since XX/XX/year> XXXX

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: EQUIFAX, INC.
State: TX

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX HAS CONTINUED TO UNJUSTLY AND UNFAIRLY REPORT A DERORGATORY TRADELINE ON MY CREDIT REPORT THAT HAS MORE THAN DAMAGED MY CR/EDITWORTHINESS AND ABILITY TO OBTAIN OR SECURE ANY TYPE OF LOAN THE ACCOUNT WAS OPENED ON ( XXXX XXXX DUE TO UNFORESEEABLE SITUATIONS I HAD COME TO SOME FINANCIAL HARD TIMES, ON XX/XX/XXXX XXXX AND I HAD COME TO AN AGREEMENT THATI WOULD PAY A SETTLEMENT OF {$220.00} TO END MY FINANCIAL OBLIGATION TO XXXX AND WITH THIS PAIDOFF/SETTLEMENT I WOULD GET MY THIS TRADELINE PERMANENTLY REMOVED FROM MY CREDIT REPORT, TODAY IS XX/XX/XXXX AND EXPERIAN IS STILL REPORTING THIS INACCURATE AND DEROGATORY TRADE LINE THAT HAS CRIPPLED MY ABILITY TO GET CREDIT

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: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
In XX/XX/XXXX, a law firm representing me sent a debt validation request to Capital One, disputing the debt and requesting full validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Neither Capital One nor their representatives responded or provided any validation as required by federal law.

Despite their failure to validate the debt, on XX/XX/XXXX, I was served with a lawsuit filed by XXXX, XXXX XXXX XXXX, XXXX on behalf of Capital One.

Furthermore, the service of process was improper : The documents were sent by certified mail but signed for by someone else.

The documents were left in my mailbox, not personally served or accepted by me.

This deprived me of adequate legal notice and the opportunity to respond in a timely and fair manner.

The filing of a lawsuit without first validating the debt, combined with improper service, constitutes a violation of the FDCPA. This situation has caused unnecessary stress and legal burden.

I am not requesting debt validation now because ample opportunity was already provided. My request is that : The CFPB investigate these violations, The lawsuit be dismissed based on failure to validate the debt and improper service, All collection efforts cease immediately.

I request the CFPB take appropriate action to hold both Capital One and XXXX, XXXX XXXX XXXX XXXX XXXX accountable for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
on XXXX XXXX I noticed that my bank Account was in the negative. I went to the XXXX Santander Bank On XXXX XXXX to Deposit XXXX. However The atm Gave me back XXXX, I accepted, and Pressed the prompt that Allowed the Rest of the XXXX to be given back I hit okay. The ATM, Did Not give the money back and cancelled the transcation. Around XXXX I immediately went into the branch To talk to the manager, She told me to call customer service. Initially she was no help. I contacted Customer service. Where i spoke to a women, Who said the investigation should take XXXX days to complete. Fustrated, i went back to the branch manager XXXX she stated she was going to escalate. Which she did. By that afternoon my account was positive. however there was no record of " any provisional Amount '' added to my account. By Thursday Morning- My account was XXXX XXXX, It would have been More but i added additional Funds the day Before. XXXX I called customer service again. The women I spoke to Informed me '' She had no idea what i was talking. And that my account has been in the negative since tuesday. Unfornately I have no screenshots, Or images of these events.

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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: Fraud or scam — 
Company: INDEPENDENT BANK CORP.
State: OK

Complaint narrative:
On XX/XX/year> I wired {$8700.00} to an associate of XXXX XXXX XXXX in payment of a retainer fee that I contracted XXXX XXXX XXXX to do some legal work for me. XXXX XXXX XXXX represents a XXXX based firm. XXXX XXXX XXXX associate was XXXX XXXX XXXX of XXXX, Ma. XXXX requested that I wire the funds to his associate that headed his US office. Therefore, I wired the funds only to be told by my bank XXXX XXXX XXXX  ) that XXXX stopped the wire as suspicious and suspected a scam. I instructed my bank to retrieve my money and they told me that they signed a ( XXXX XXXX ) deal with XXXX. After many calls and six weeks XXXX XXXX returned {$3800.00} of the {$8700.00} in what the called a partial payment. After asking for the balance of my money, XXXX informed me that I would not be getting the balance of my money of {$4800.00}. I sent a complaint email to XXXX and was called by one of their representatives that told me to file a complaint with IC3 and a local police report. 
Thats what happened and Im hoping you can help me get the rest of my money. My XXXX  has XXXX XXXX and I owe a large amount to the hospitals. 

XXXX XXXX XXXX

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4400.00} Date Opened : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00} Date Opened : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2900.00} Date Opened:XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2700.00} Date Opened : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4700.00} Date Opened : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1400.00} Date Opened:XXXX 

Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap.

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