vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I am writing to formally dispute the accuracy of the late payments and/or derogatory marks reported on my credit report related to the account referenced above. This dispute is submitted pursuant to the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ), specifically referencing the following violations : 1. Violation of 15 U.S.C. 1681i You are required to reinvestigate the accuracy of any item disputed by a consumer. I dispute the accuracy of the reported late payment ( s ).

2. Violation of 15 U.S.C. 1681e ( b ) Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. The reporting of a XXXX, XXXX, or XXXX late payment does not reflect accurate history for this account.

3. Violation of 15 U.S.C. 1666b ( 4 ) ( 5 ) You failed to provide a billing statement at least 21 days before the due date. This constitutes a billing error, and I can not be penalized for nonpayment on a statement I did not receive.

4. Violation of 15 U.S.C. 1605 ( a ) A finance charge may have been assessed that effectively brought the account current ; if the finance charge satisfied the payment due, then the late payment reporting is improper.

5. Violation of 15 U.S.C. 1692g ( b ) I previously requested debt validation. If your company failed to provide verifiable documentation including billing history and payment records, then the reporting is unverified and must be removed. 

Requested Actions : - Remove the inaccurate late payment and update this account to reflect paid as agreed. 
- If I was reported XX/XX/year> days late in error, please correct the record. I was never late, and I request documentation to prove otherwise. 
- If you can not provide full bank transaction history, statement copies, and internal records showing the date payments were due and received, then this item must be removed. 
- The paid collection currently listed is misleading and violates 15 U.S.C. 1681o and 1681n due to negligent or willful noncompliance. This account is closed and settled. I demand its complete deletion or proof of continued balance and accuracy.

Timeframe : You are legally obligated to complete your investigation within 30 days from receipt of this notice. If no evidence is provided, I request full deletion in accordance with the FCRA and my rights under 15 U.S.C. 1681i. 

Please send written confirmation once the corrections have been made or explain your reason for refusal, along with the documentation you used to reach that decision. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Subject : Request for Deletion of Sold Collection Account FCRA & FDCPA Dispute Account Name : Capital One Account Number : XXXX Date Opened : XX/XX/year> Amount : {$670.00} To Whom It May Concern, I am writing to dispute the accuracy and validity of the above-referenced collection account currently listed on my XXXX credit report. According to my records, this account was sold to a third-party debt buyer. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request verification and proper documentation of this account. 

Once a debt has been sold, the original creditor ( Capital One in this case ) should report the account as sold or transferred and with a XXXX balance. If the new collector is reporting the account, they must provide full documentation verifying their legal authority to do so. 

Therefore, I request that XXXX  : Immediately investigate this account and provide documented verification of the debt. 

Delete the account from my credit report if full documentation and ownership records are not provided within 30 days. 

Send me a written statement of the results of your investigation. 

Attached are copies of my government-issued ID, proof of address, and a copy of the credit report with the disputed account clearly marked. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX, I received a email of Account cancellation notice. At the same day, I contacted the AMEX customer service via phone and webchat. It was confirmed I have XXXX XXXX reward points from customer service. But due to technical issue, it was not able to be transfer to other partners. I was suggested to try it later. 

However, I tried many times on different methods, this issue was never been resolved. 

The account closure is an action taken by AMEX, not me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: LA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file, are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$33.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-06-06 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B 15 U.S.C. 1681c- XXXX  , the 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. This fraudulent, inaccurate, and false information consists of DEPT OF EDUCATION/NELN XXXX and XXXX XXXXXXXX which is now a collection account at XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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:
I am writing to request the swift removal of unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Supporting documents are enclosed for your reference.

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 2025-06-06 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I am filing a complaint against American Express for improperly handling a billing dispute. I used my Amex card at a restaurant, but was incorrectly charged {$100.00}, even though my actual bill should have been approximately {$20.00}. 

Heres what happened : The bartender took my phone with my Amex card open and turned around to the register behind the barout of my view. I did not get to verify the transaction amount at the time of payment. Shortly after, I realized I had been charged {$100.00}, which was clearly not my tab. The bartender had accidentally charged my card for someone elses bill. 

I immediately contacted Amex and explained the situation in detail : that I was charged for a completely unrelated transaction. The representative initially asked what my actual bill should have been, and I responded that it was approximately {$20.00}. Even though I was disputing the entire {$100.00} transaction ( as none of it was mine ), the rep filed it as a partial dispute, leaving me responsible for {$20.00}. 

Unfortunately, the dispute was denied because the merchant submitted a receipt for the {$100.00} chargewhich matched the disputed amount, but was not my receipt. I had clearly explained to Amex that I was charged for someone elses transaction, and the merchants response did not include any proof that the charge was tied to me personally. My signature was not on the receipt, nor was there any documentation linking the transaction to my purchase. 

I tried to escalate the issue and requested Amex to reopen or reinitiate the dispute based on the fact that I was charged for someone elses purchase. They denied my request, despite the fact that the merchant did not prove the charge was mine, and my signature was not present on the submitted receipt.

This is a clear failure of the dispute resolution process under Regulation Z. Amex ignored my factual account, mischaracterized the nature of my dispute, and improperly accepted the merchants submission without verifying that it pertained to my transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: KS

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

DEPT OF EDUCATIONXXXX - XX/XX/XXXX - {$2300.00} XXXX  XXXX - XX/XX/XXXX - {$500.00} DEPT OF EDUCATIONXXXX XXXX XX/XX/XXXX - {$3700.00} XXXX XXXX - XX/XX/XXXX XXXX {$210.00} XXXX  - XX/XX/XXXX - {$310.00} DEPT OF EDUCATIONXXXX XXXX XXXXXX/XX/XXXX XXXX {$2300.00XXXX XXXX XXXX XX/XX/XXXX - {$1300.00} DEPT OF EDUCATION/XXXX  - XX/XX/XXXX - {$3700.00} DEPT OF EDUCATION/XXXX  - XX/XX/XXXX - {$3000.00} XXXX  - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XX/XX/XXXX - {$5500.00} XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX - XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Subject : Request for Deletion of Sold Collection Account FCRA & FDCPA Dispute Account Name : Wells Fargo Card Ser Account Number : XXXX Date Opened : XX/XX/year> Amount : {$2200.00} To Whom It May Concern, I am writing to dispute the accuracy and validity of the above-referenced collection account currently listed on my XXXX  credit report. According to my records, this account was sold to a third-party debt buyer. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request verification and proper documentation of this account. 



Once a debt has been sold, the original creditor ( Wells Fargo Card Ser in this case ) should report the account as sold or transferred and with a zero balance. If the new collector is reporting the account, they must provide full documentation verifying their legal authority to do so. 



Therefore, I request that XXXX  : Immediately investigate this account and provide documented verification of the debt. 



Delete the account from my credit report if full documentation and ownership records are not provided within 30 days. 



Send me a written statement of the results of your investigation. 



Attached are copies of my government-issued ID, proof of address, and a copy of the credit report with the disputed account clearly marked. 



Thank you for your prompt attention to this matter. 



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 2025-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
My account was somehow compromised and {$4800.00} dollars was taken out of my account on XX/XX/XXXX. I called and claim fraud on my account and they denied me the first time. I claimed the fraud again and received a provisional credit for {$4800.00}. On XX/XX/XXXX they reversed {$800.00}, today XX/XX/XXXX they reversed {$4000.00}. According to the investigation I authorized the charges to this trust wallet. I did not authorize any charges. 
Before this {$4800.00} fraud issue My credit account was compromised and {$1000.00} was taken out on XX/XX/XXXX to a different wallet called a XXXX XXXX. I filed a dispute and I received my money back. I closed the account and open a new account and now my debit account gets compromised for {$4800.00}. {$800.00} was sent to XXXX and {$4000.00} to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief