vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-11-21 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: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-21 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: MO

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.

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 2025-11-21 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: MO

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I contacted the debt collector company thats on my credit report. I explain to them that I have no idea why I have this debt and to provide me information on where the debt come from. They want me to pay a fee to get the information on the debt and I refuse to give this company my credit card information pay a fee just to find out where is the debt coming from and why is it on my credit report? I believe its fraudulent. I even asked them to send me a letter about the debt to my home which is supposed to be free, but they want me to pay a fee for them to send me the letter with the information in the mail. This company is very unprofessional and it feels like its a scam identity theft something very sketchy and its impacting my credit, but I can not get the information to dispute or to even know what is for without me giving them my credit card information and paying a fee it doesnt make sense to me And I need them to remove the debt from my credit report as Im 100 % sure that is not my debt and its something fraudulent going on

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I am disputing this SECU account because it is not mine and is being reported inaccurately. I did not receive any notices or billing from SECU about this debt. I only discovered it on my credit report. I requested validation, and no proof has been provided linking me to this account. Under the FCRA and FDCPA, the furnisher must provide verification before reporting or collecting. I am requesting that this account be removed from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: CA

Complaint narrative:
This account was believed to be on autopay by a teller. This resulted in a late payment on credit report over a small amount that was easily payable

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This account was believed to be on autopay by a teller. This resulted in a late payment on credit report over a small amount that was easily payable

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Im sending this because Equifax is reporting charge-off accounts that are NOT mine. 

XXXX XXXX shows {$4300.00} balance and XXXX XXXX XXXX XXXX shows charge-off from XX/XX/XXXX to XX/XX/XXXX. I never opened these accounts ; they belong to someone else with a similar name. 

Equifax verified them without showing any signed application, full SSN match, or other proof. This is a mixed-file / wrong-person error, which has been cited in Cortez v. XXXX XXXX XXXX XXXX XXXX XXXX and XXXX v. Ramirez, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint against XXXX Bank for continued inaccurate credit reporting regarding account ending XXXX. This debt was officially discharged due to fraud and confirmed on IRS Form XXXX, which clearly states I am not personally liable for repayment. 

Despite receiving dispute documentation and regulatory complaint response confirming discharge, XX/XX/XXXX is still reporting the account as a charge-off with an outstanding balance, which is factually incorrect and a violation of : FCRA XXXX requiring reasonable procedures to ensure accuracy FCRA XXXX duty of the furnisher to report accurate information I have previously disputed this with the credit bureaus and submitted documentation ; however, the account remains inaccurately reported. I am requesting immediate correction and deletion of all negative reporting related to this account, as it does not reflect the actual resolution. 

Delete the account from all credit bureaus or update to paid/zero balance with no derogatory remarks Provide confirmation of correction Notify all CRAs immediately Supporting documentation ( including IRS XXXX XXXX XXXX forwarding letter, and complete dispute file ) is attached

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 2025-11-21 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: TX

Complaint narrative:
I am filing this complaint against XXXX Bank for continued inaccurate credit reporting regarding account ending XXXX. This debt was officially discharged due to fraud and confirmed on IRS Form XXXX, which clearly states I am not personally liable for repayment. 

Despite receiving dispute documentation and regulatory complaint response confirming discharge, XX/XX/XXXX is still reporting the account as a charge-off with an outstanding balance, which is factually incorrect and a violation of : FCRA XXXX requiring reasonable procedures to ensure accuracy FCRA XXXX duty of the furnisher to report accurate information I have previously disputed this with the credit bureaus and submitted documentation ; however, the account remains inaccurately reported. I am requesting immediate correction and deletion of all negative reporting related to this account, as it does not reflect the actual resolution. 

Delete the account from all credit bureaus or update to paid/zero balance with no derogatory remarks Provide confirmation of correction Notify all CRAs immediately Supporting documentation ( including IRS XXXX XXXX XXXX forwarding letter, and complete dispute file ) is attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, 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 non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
The local Wells Fargo bank at XXXX XXXX XXXX XXXX, NC XXXX United States lied to me and my wife about the reason for holding our check for a house sale proceeds. 

They lied and held the account for an additional undisclosed number of days. 

The local manager first said it was federal law requires the hold Then she said the law firm that issued the check has issued bad checks before They couldnt keep their story straight The bottom line is they are keeping the money to earn high investment before they release it me and my wife. 

Its illegal, they lied, and we need access to the funds to pay for the deposit on our new home, which has now placed us in breach of contract because I cant deposit the required amount. 

The bank made the decision to hold the checkthis has nothing to do with federal law or regulation or the local law firm that issued the check ( as they claimed ).

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 2025-11-21 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: NC

Complaint narrative:
I am extremely concerned about the many unfamiliar inquiries appearing on my credit report. I did not authorize these companies to access my credit, nor did I apply for anything with them. These inquiries are completely unauthorized and violate my rights as a consumer. I have already submitted an identity theft report to address this issue, yet these inquiries are still being reported. This situation is adding unnecessary stress to my life, especially during an already difficult time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXXDate : XXXX XXXX To Whom It May Concern, I am writing to formally notify you that I am a victim of identity theft and to dispute accounts that were fraudulently opened using my personal information. I did not authorize these accounts, nor did I have any knowledge of them until recently.

My Social Security Number was used without my permission to obtain credit with XXXX XXXX XXXX  in the amount of {$500.00} as of XX/XX/XXXX. Additionally, a fraudulent account was opened with XXXX on XX/XX/XXXX, also without my authorization. I have never had any legitimate relationship or financial dealings with these entities. 
I filed an official Identity Theft Report with the Federal Trade Commission on XX/XX/XXXX, and the IRS has notified me that my personal information was compromised. Enclosed are copies of my FTC Identity Theft Report, proof of identity, and any supporting documentation available at this time. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting the following actions : 1. Immediate closure of all fraudulent accounts associated with my personal information.

2. Removal of all fraudulent records from my credit file.

3. Written confirmation that these fraudulent accounts have been deleted and that I am not liable for any associated charges.

4. A copy of all records related to the fraudulent accounts, as allowed under the FCRA ( including application documents, transaction records, and any communication used to open these accounts ).

Please treat this matter with urgency, as these fraudulent activities are causing ongoing harm to my credit, personal security, and financial stability.

I request that all written correspondence be sent to me at the mailing address listed above. If additional information is needed to process this dispute, please notify me promptly in writing.

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
Portfolio Recovery Associates continued attempting to collect an alleged debt despite receiving my written Debt Validation Request. 

On XX/XX/year>, I mailed a Debt Validation Request via Certified Mail. 

USPS records confirm that PRA received it on XX/XX/year> ( proof attached ). 

Despite receipt, PRA contacted me multiple times after the validation request, including : XX/XX/year> at XXXX PM PT XX/XX/year> at XXXX PM PT XX/XX/year> ( time documented in attached screenshots ) These continued collection attempts violate the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 809 ( b ), which prohibits further collection until validation is provided. 

To date, PRA has not provided any debt validation, and their repeated contact constitutes unlawful collection activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: IL

Complaint narrative:
I am writing to dispute the points earned on a charge of {$350.00} posted to my XXXX XXXX XXXX American Express Card for a stay at the XXXX XXXX XXXX by XXXX on XX/XX/year>. 

This property is a XXXX XXXX hotel. Under the terms and conditions published by American Express : You will receive 4 additional points ( for a total of 6 points ) for each U.S. dollar of eligible purchases charged on your XXXX XXXX XXXX American Express Card when charged directly with properties participating in XXXX XXXX that are owned or managed by XXXX XXXX XXXX XXXX and its affiliates. 

Despite meeting these conditions, the charge was coded under the merchant name XXXX  XXXX XXXX XXXX XXXX, which prevented the system from recognizing the transaction as a XXXX XXXX property. However, the key requirement under the terms is that the purchase be charged directly with a participating XXXX property, which it was. 

I submitted this issue twice through internal review, but my claim was rejected without any request for supporting documents. I offered to provide the hotel folio and any additional evidence needed, but no documentation was requested. I was also not informed of the outcome of the review until I called on XX/XX/year>. 

Given that this was a direct charge from a XXXX XXXX property, I should receive 6X points as set out in the Cardmember Agreement. I respectfully request that this be corrected and the appropriate points be credited to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Kohn Law Firm S.C.
State: TX

Complaint narrative:
Received a letter from Kohn Law Firm S.CXXXX dated XX/XX/year> called today XX/XX/year> requesting a debt validation letter was told by XXXX that they will be closing the file in their office as they do not do business in Texas, therefore denying my right to get a debt validation letter. Furthermore, with the case still being active in their office ( not closed yet ) debt validation should be provided per the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Dear Synchrony Bank/ Husqvarna XXXX I am disputing the late payments reported by Synchrony Bank on my Husqvarna NA Consumer account ( # XXXX * * * ) for XXXX, XXXX, and XX/XX/year>. These late payments are inaccurate because I did not receive the physical billing statements for those months. Without receiving the statements, I had no notice that a payment was due, and I was unable to make the payments on time. 

During this same period, I was dealing with personal and financial challenges, including temporary restrictions on my bank account due to suspected activity. This made it even harder to verify my statement information. However, I want to be clear : I never intentionally missed any payments, and I have always tried to keep my accounts in good standing. If I had received the statements for those months, I would have paid them promptly. 

Because of the missing statements and the circumstances around my account access, I believe these late payment reports are not accurate or fair, and they do not reflect my actual payment behavior.

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 2025-11-21 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: GA

Complaint narrative:
Please examine the attached filesthese questions were submitted without notice and may lack 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