vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I disputed this account on several occasions with the bureaus, disputing the ownership and accuracy of the information posted to my credit reports XXXX. * * Flow Agreement * * 2. * * Original Ownership Documentation * *, including the name, address, phone number, and original account number associated with the debt. XXXX. * * Transfer of Assignment * * documentation showing the chain of custody for the debt. XXXX. * * Original Contract or Credit Agreement * * bearing my handwritten signature, which evidences my agreement to the debt. XXXX. Purchase price of said debt from the original creditor. XXXX. Copy of their business license to conduct collections in the State of Florida. Additionally, please confirm the following steps taken to validate the debt : 1.Receipt and review of my request for validation. 2.Verification of the original creditor and account details. 3.Provision of a copy of the original signed agreement. 4.Documentation proving the transfer of ownership of the debt. 5.Confirmation of any amounts owed, including itemized statements or calculations. 

ABSOLUTELY NONE OF THE REQUESTED DOCUMENTATION HAS BEEN PROVIDED. ONLY A STATEMENT SAYING " VERIFIED, '' which is insufficient to establish their claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: CA

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 non-monetary relief
Consumer complaint received 2025-06-19 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: TX

Complaint narrative:
On XX/XX/year>, I opened an account with XXXX  XXXX. My first payment was due on XX/XX/year>. 
I checked my credit report today and XXXX  XXXX reported a late payment for XXXX with Equifax and XXXX. A late payment was reported with Experian for XXXX. 

This dropped my score significantly. I sold my previous home and am currently under contract on a new home. This has caused a major situation and I am no longer able to get approved because of this score drop due to an inaccurate reporting. 

I had an old XXXX  XXXX and was never late on that one. I am including the payment history that I got from XXXX  XXXX. As you can see, I have not been late and this needs to be corrected ASAP.

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 2025-06-20 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: CT

Complaint narrative:
Let me be absolutely clearthis complaint is not submitted in error. My credit report contains inaccurate information that fails to meet the legally required standard of maximum possible accuracy. These errors are causing ongoing and serious harm to my financial standing and personal well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
What happened : I am a victim of identity theft and financial fraud. On XX/XX/year>, I filed police report XXXX XXXXXXXX with the XXXX Police Department for XXXX XXXX XXXX XXXX. My personal information was used to open fraudulent accounts at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX without my permission. 

I have submitted my police report, identity documents, and written fraud statements to the credit bureaus yet these fraudulent accounts continue to report on my credit as verified accurate, which is a violation of the Fair Credit Reporting Act ( FCRA ) 605B. 

Because of this inaccurate reporting : I was denied credit My Self Visa account was closed My credit score was damaged I have suffered emotional distress and financial harm I have lost time and money trying to fix this I am requesting immediate action under FCRA 605B to : Permanently block and remove these fraudulent accounts Notify all furnishers to stop reporting Prevent further harm to my credit file The companies involved have failed in their FCRA obligations and I am demanding full correction of my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Subject : Urgent Issue Regarding Unauthorized PayPal Credit Account Dear CFPB member, I'm reaching out regarding a serious issue involving my PayPal Credit account with Synchrony Bank. 
I currently have an open PayPal Credit account ending in # XXXX, which has a XXXX balance. On XX/XX/year>, I made a charge of {$820.00} for an insurance payment. Due to ongoing issues making payments online, I decided to pay off my full balance at once, under the impression that this payment included the {$820.00} charge. 
However, starting around XX/XX/XXXX, I began receiving automated texts and calls asking me to contact the bank or make a payment. When I checked my account ending in # XXXX, it still showed a XXXX balance. I attempted to contact Synchrony Bank multiple times, but each time I was either disconnected or transferred without receiving any information or support. 
Today, after speaking with several representatives from both Synchrony Bank and PayPal, I was finally informed that there was a second PayPal Credit account in my namesomething I was previously unaware of. I never received a statement, email, or notification about this second account, and the only communication I received was the generic text message directing me to call. 
After reviewing my credit report, I discovered that a new PayPal Credit account was opened on XX/XX/XXXX, XXXX same date as the {$820.00} charge. This account was opened without my knowledge or consent. Initially, I feared identity theft, but after XXXX agent mentioned the amount and payee, I recognized the charge as mine. Still, I had used account # XXXX for past transactions, and there was no reason or authorization on my part to create a second account. 
Today, I spoke with XXXX different agents, including a supervisor named XXXX and a manager named XXXX XXXX as they identified themselves ), and none could explain why a second account was opened. Worse, they refused to assist further and repeatedly ended the call. 
I am requesting the following : XXXX. An immediate investigation into how and why a second PayPal Credit account was opened in my name without consent. 
XXXX. Consolidation or closure of the unauthorized second account. 
XXXX. Confirmation that Synchrony Bank and PayPal are not opening new accounts for existing customers without clear permission. 
I would appreciate a prompt response and resolution to this issue. Please feel free to contact me directly should you need additional information. 
Sincerely, Customer XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Happy Money, Inc.
State: TX

Complaint narrative:
I have an installment loan through Happy Money. Since I got my loan in XXXX of XXXX, they have failed to update my credit report on all XXXX bureaus for going on XXXX  months now. In writing, they admitted updates normally occur every 90 days, which they stated is a normal time frame. Yet, they admitted they paused reporting entirely violating FCRA requirements. Despite multiple complaints, emails, calls, follow ups, no resolution was provided. I only get excuses and stall emails. 

Happy Money altered their platform, changing how payments are applied after my loan was originated without providing notice or consent. My extra payments, which per my signed loan agreement should go to principal, are being misapplied toward interest. When I questioned this, they admitted their portal was inaccurate and referred me to file a dispute through an unsecured XXXX XXXX to report the issue. 

Payments ( such as my {$50.00} payment on XX/XX/XXXX ) has never updated or reflected to my balance. Even though the funds were cleared from my account within XXXX hours of making the payment. Their responses were inconsistent and to this day, the amount says processing in my portal. 

Their actions reflect ongoing violations of FCRA, FACTA, and possibly UDAP. I am requesting CFPB intervention to require : ( 1 ) immediate current credit reporting, ( XXXX ) correction of misapplied payments, ( XXXX ) confirmation that loan terms will be honored as signed, and ( XXXX ) full compliance with FCRA/FACTA requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: FL

Complaint narrative:
Let me be absolutely clearthis complaint is deliberate and justified. My credit report contains inaccurate information that does not meet the legally mandated standard of maximum possible accuracy. These inaccuracies are causing continuous and significant harm to both my financial stability and personal well-being.

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 2025-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Subject : Chase Bank closed my account after mobile depositing my government-issued stimulus check and never returned the funds. 

Complaint : In XXXX or XXXX, I received a federal stimulus check issued by the U.S. Treasury as part of the COVID-19 pandemic relief. I had a checking account open at Chase Bank at the time and used their mobile deposit feature to deposit the stimulus check. 

The deposit appeared to go through successfully, but I never received my debit card or was able to access the funds. When I visited a local Chase branch to inquire, I was informed that my account had been closed due to fraudulent activity. I was not provided with a specific explanation, documentation, or support on how to recover or trace the funds from my stimulus payment. 

Despite multiple attempts to get help from Chase, I was never given information about what happened to my money or how I could recover it. I never received a refund of the check, nor were the funds returned to the IRS. I believe this was mishandled, and I was effectively denied access to my legally issued government stimulus funds during a critical time. 

I am requesting that Chase Bank : Provide full documentation related to the closure of my account, Provide a copy of the deposited check ( front and back ), Account history and any transactions that show what happened to my stimulus payment, And return the funds that were wrongfully handled and withheld This has caused lasting financial harm, and I am seeking the CFPBs assistance in resolving this issue and ensuring that the bank is held accountable for how this situation was handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
This is a follow-up to CFPB XXXX # XXXX. 

During the original complaint, Capital One refunded {$290.00} from a {$1400.00} hotel stay I booked through Capital One XXXX under fraudulent pretenses. This trip was based on a job opportunity presented by a merchant ( XXXX XXXX at XXXX XXXX XXXX ) who misled me into traveling under false circumstances. 

Capital One told the CFPB that the matter was resolved and closed the case but after the case was closed, they recharged me the {$290.00} refund without explanation and never reinstated the miles I used for the booking. 

I was also told I would receive a follow-up call from Capital One to finish resolving the issue. That never happened. I have screenshots and documentation proving the reversal, my original charge, and my efforts to communicate with Capital One. 

This is deceptive conduct. They misrepresented the outcome of the case to a federal agency, failed to honor their own fraud policies, and retaliated by recharging me after the case was closed. 

I am requesting : Immediate and permanent removal of the {$290.00} recharge Reinstatement of the Capital One miles I used toward the {$1400.00} booking A full written explanation of why this was allowed to occur This entire experience has caused me undue financial stress. I am unemployed and was going through a divorce at the time. Capital One has taken advantage of a vulnerable consumer and violated my trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: OH

Complaint narrative:
Hi! I wanted to ask u if you could remove some of the items from my file. u can tell by lookin at the report, but I was defnitely victimized by identity theft, and I did not make this charge. I ned to get those removed really bady so I can repair my credit report. I did report the identity theft to the Federal Trade Commission, and I have copies of their Identity Theft Affidavit attached as well. If you could get those removed as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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 formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXX XXXX, XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX Experian

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 2025-06-20 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: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
Im writing to respectfully ask for Ally Financials compassion in removing old late payment marks from two closed auto loans. These accounts are fully paid with zero balances, but they still carry negative history from more than five years ago, during a period of real financial and personal hardship. 

Since that difficult time, my partner and I have worked hard to rebuild our lives. We havent missed a single payment on any account in over five years. Weve enrolled in a debt management plan, made every payment on time, and are actively working toward financial recovery and stability. 

Accounts : Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : Ally Auto Loan ending in XXXX Account # XXXX ( Individual XXXX XXXX ) : Ally Auto Loan ending in XXXX These accounts had late payments more than five years ago during a period of financial hardship. Since then, we have not missed a single payment with any creditor and have fully resolved both accounts, which are now closed with {$0.00} balances. 

Were not saying the late payments were reported inaccurately were simply asking Ally to consider removing them as a gesture of goodwill. These marks are a painful reminder of a past weve worked hard to overcome. They continue to hurt our credit and limit opportunities, even though the accounts are long resolved. 

We reached out to Ally directly but received no reply. Were now asking the CFPB for help encouraging Ally to show flexibility and compassion in this situation. We believe that everyone deserves a second chance and that a long history of doing the right thing should be recognized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: AZ

Complaint narrative:
These accounts were opened without my permission. I had no part in authorizing them, and they do not belong to me. In accordance with 15 U.S. Code 1681g, I request their removal within 15 days. Attached are supporting documents.

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 2025-06-20 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: MD

Complaint narrative:
I filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they are assuming my disputes came from a third party, which is not true. I even called to verify my identity, yet they still refused to process my disputes. I spent money mailing my disputes and provided personal information to verify my identity, only for them to dismiss my request without a proper investigation.

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they are assuming my disputes came from a third party, which is not true. I even called to verify my identity, yet they still refused to process my disputes. I spent money mailing my disputes and provided personal information to verify my identity, only for them to dismiss my request without a proper investigation.

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