vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-12 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: GA

Complaint narrative:
b'Subject: Formal Dispute and Investigation RequestXX/XX/XXXX AccountXX/XX/XXXXRe: FCRAXX/XX/XXXX and FDCPA XX/XX/XXXXTo Whom It May Concern,\n\nI am writing to formally dispute the accuracy and legitimacy of an account being reported under my name and credit file:\n\nCreditor: XX/XX/XXXXAccount Number: XX/XX/XXXXType: Revolving Credit\nStatus: [List what appears  e.g., Open, Charged Off, or Closed]\n\nThis account is being reported without my authorization, validation, or permissible purpose as required under 15 U.S. CXX/XX/XXXXe XX/XX/XXXXb. I have never received verified documentation proving that this account was opened, authorized, or lawfully accessed under federal law.\n\nUnder FCRAXX/XX/XXXX, once a consumer submits a dispute, the credit bureau is required toXX/XX/XXXXNotify the furnisher (XX/XX/XXXX of the dispute,\XX/XX/XXXX Conduct a reasonable investigation, andXX/XX/XXXXDelete or correct any information found to be inaccurate, unverifiable, or incomplete.XX/XX/XXXXAdditionally, the Fair Debt Collection Practices Act (15 U.S. CXX/XX/XXXXe XX/XX/XXXX) prohibits continued communication or collection attempts after a cease and desist has been issued to the furnisher.\n\nTherefore, I am requesting that your bureau conduct a full reinvestigation of this account and provide me with written confirmation of one of the following within XX/XX/XXXXdays of receiving this letter:\n\nVerified proof and documentation from the furnisher showing that this account is accurate, authorized, and lawfully reported, or\n\nImmediate deletion of the account from my credit report if verification cannot be substantiated.\n\n\nPlease provide me with the results of your investigation and a copy of all documentation used to verify this account.\n\nFailure to comply with the FCRA requirements may result in complaints being filed with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and my State Attorney Generals Office for violations of consumer protection laws.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 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: TN

Complaint narrative:
The company XXXX has reported Collection accounts on Me which I requested verification and they never sent it. Second of all, they have other debt collectors, or theyre using different names that are also sending the emails and calling me .. so they are not only trying to collect this under XXXX but theyre also trying to collect it with a company. I received a letter from called resurgent. 

First of all the account does not belong on my credit report. They could not validate any of the required information according to the fair credit reporting act, but then theyre using two different debt collectors to try to collect the same debt, which is not accurate and has not been verified accurate as I requested.

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 2025-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: ROBINHOOD MARKETS INC.
State: LA

Complaint narrative:
Robinhood ( a publicly traded company ) has a XXXX  credit card that advertises 3 % cash back across the board on purchases on its website, in its app, and numerous other areas. A few months ago, they decided granting me XXXX or XXXX points on legitimate transactions, stating they do not allow business purchases. I provided proof that certain transactions were not business purchases. Despite this, they still refused to honor their advertisement and agreement and did not correct the issue and award the points. They owe me over {$120000.00} in points for various charges. 

These include contractor work on my house, new hvac, shutters, personal legal expenses, and more. 

Then they had the nerve to ask me what several merchant charges were for. Asking a consumer what they purchased or what certain charges are, are inappropriate and irrelevant. 

Not only do they withhold points arbitrarily, they are indifferent to their customers and have the nerve to interrogate them about their purchases.i have reached out several times to resolve this issue. Robinhood owes me XXXX  of XXXX  in rewards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I paid {$100000.00} in credit card paymens. How many minimum paymens did i do in total? And how much total debt was paid with all total payments?

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 2025-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Bureau, Inc.
State: CA

Complaint narrative:
I paid {$100000.00} in credit card paymens. How many minimum paymens did i do in total? And how much total debt was paid with all total payments?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: UPGRADE, INC.
State: VA

Complaint narrative:
I took out a consolidation loan with Upgrade Inc. for {$35000.00} with an agreed upon monthly payment of {$850.00} per month. {$20000.00} out of the {$35000.00} was supposed to pay off an existing loan balance due to XXXX. After waiting several weeks for my balance with XXXX to be updated to {$0.00} I learn as of today they have still not been paid. Meanwhile, I was told by XXXX that the check was cashed. I was initially told by a supervisor that they sent the check using the payoff instructions provider. I later learned the check was written to a company that I have no affiliation with. The check appears to be altered. XXXX is reporting a new account on my credit without keeping their agreement to pay off XXXX. They agreed to defer my first payment to allow them time to get their error fixed and then proceeded to deduct funds from my bank account. My credit is being negatively impacted and they ran my credit report again recently for no apparent reason. Every time I call I am told someone will follow up in XXXX business days. They emailed me a copy of the check they claim was send out but the payee font is different. I have been given this same story for nearly XXXX months. I have XXXX high balance loans being reported on my credit in error. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I went to Wells Fargo on XX/XX/2025 to open a business account. While doing so, the clerk suggested I sign up for a business credit card. I was already going to do this so I go ahead and sign up. Around XX/XX/2025, I get a letter saying I was denied because they was unable to verify business, business phone number, and/or business ownership. These are all the things they needed to open the business account, which was already open and running before I even started to sign up for the credit card. I went back to Wells Fargo on XX/XX/XXXX to speak to Branch Manager about the situation. She was not in that day but a guy helped me somewhat. He reviewed everything I brought in and realized that I had provided the correct documentation, it was a system error on their end. Went back Thursday. No Branch Manager. Friday at XXXX I finally spoke to her. She called to see if they would run it without me resubmitting my paperwork but they denied. Now my FICO score is down XXXX points and dont have anything to show for it

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 2025-10-12 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: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
I will like these inquiries removed from my account as I didnt authorize them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
I am being sued by the XXXX XXXX XXXX, XXXX law firm, representing American Express without proper validation of the alleged business credit card debt. 

I previously disputed the debt and requested validation from a different firm with no response. I had no knowledge of the current law firm until a sheriff served me with a summons. I then received a settlement offer after the lawsuit was filed, and was not notified of a court date adjournment. I am also receiving on a daily basis, emails about unrelated disputes I did not initiate. 

These actions appear deceptive, intimidating, and out of legal sequence. I am seeking full validation, clarity of ownership, and proper notice before legal action is escalated. I am actively trying to resolve this through court filings and validation letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: PA

Complaint narrative:
This is my second formal dispute under the Fair Credit Reporting Act ( FCRA ). 
I have submitted a dispute to [ Experian ] regarding inaccurate and unverifiable accounts. 
The agency failed to correct or delete the information as required by FCRA 1681i and 1681s-2.

I am requesting CFPB intervention to enforce immediate deletion of all unverifiable or inconsistent data.

15 U.S.C 1681 Section 602 A. States i have the right to privacy.

Has Violated My Rights. 

XXXX XXXX Account number XXXX. 
Reported as Charge-Off and Dispute Resolved - Consumer Disagrees with no payment history or verification. 

XXXX XXXX : Account number XXXX Duplicate and conflicting data between entries. 

XXXX Account number XXXX Contradictory reporting between Closed/Paid and Late 60 Days. 

XXXX XXXX XXXXXXXX Account number XXXX Reported both as As Agreed and Late 60 Days on the same 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 2025-10-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am filing this complaint regarding a problem with an XXXX XXXX gift card issued and managed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), located in XXXXXXXX XXXX 

I purchased ( or received ) an XXXX XXXX gift card and later contacted XXXX customer service to request a replacement after the card became lost, stolen, or unusable. I followed all of their instructions, including verifying my identity and providing all requested documentation and information. Despite completing these steps, XXXX has refused to issue a replacement card or refund, without providing a valid or clear reason. 

The customer service process has been extremely difficult. Their call center appears to be located in XXXX XXXX, and I have repeatedly been transferred between representatives without resolution. Each time, I was told to submit information I had already provided, only to be told later that they could not proceed with the replacement. 

This situation has caused me financial loss since the funds on the card are still valid and have not been used by me. I believe I have acted in good faith and complied with all reasonable verification procedures, yet XXXX has failed to honor their obligations to replace or refund the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: NY

Complaint narrative:
i paid on time a few monthly payments and now i see that i have a lot of late paymets informs on my credit report, this false reports affected my credit report and now my credit went down.

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 2025-10-12 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: TX

Complaint narrative:
Product : Credit reporting or other personal consumer reports Issue : Incorrect information on your report / Verification of accounts Complaint Details : > I previously submitted CFPB complaint # XXXX regarding XXXX XXXX XXXX ( XXXX ) accounts on my Equifax credit report. Equifax responded stating the accounts were verified and updated some fields, but no documentation or proof was provided showing how these accounts were verified or that they belong to me. 

I am not submitting new screenshots or evidence, as all prior evidence is already on file. I also do not authorize the use of billing statements, collection notices, or any other payment demands as proof of identity or account accuracy. 

I demand that Equifax and XXXX  provide documented proof of their investigation, including : 1. Records used to verify these accounts.

2. Copies of all communications between Equifax and XXXX regarding this dispute. 


3. Evidence that these accounts belong to me. 



A statement claiming the account is verified or belongs to me is insufficient. If Equifax and XXXX can not provide proper documentation within 15 days, I request permanent deletion of these accounts from my credit report. These accounts are never to be reported again in any form. 
Legal Basis : Fair Credit Reporting Act ( FCRA 611 / 15 U.S.C. 1681i ) : I have the right to dispute inaccurate information and to receive all documentation regarding the investigation performed by the credit bureau and furnisher.

Fair Debt Collection Practices Act ( FDCPA 809 / 15 U.S.C. 1692g ) : A debt collector must provide validation of the debt upon request ; failure to provide proper verification constitutes a violation. 


If Equifax and XXXX fail to provide documented proof of investigation and ownership within 15 days, I will pursue legal action under FCRA and FDCPA, including statutory damages, removal of the accounts, and any other relief available under federal law. 



Requested Resolution : 1. Full documentation of the investigation proving the accuracy and ownership of each XXXX account ( no billing statements ). 


2. Permanent deletion of accounts if proper documentation can not be provided.

3. No further reporting of these accounts ever.

4. No further collection notices or billing statements.

-- - This version is : Firm, assertive, and legally grounded. 

Explicit that billing statements can not be used as proof. 

Includes a 15-day deadline and warns of legal action.

Ready for CFPB portal submission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 

Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter

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 2025-10-12 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX ; Email : XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Identity Theft Dispute & Formal Demand for Deletion Dear TransUnion, I am writing as a victim of identity theft whose personal information was exposed in the XXXX  data breach. Fraudulent accounts have been reported under my name as a direct result of this breach. 
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, the Fair and Accurate Credit Transactions Act ( FACTA ), and the Federal Trade Commissions Identity Theft Rules, I hereby demand that you immediately block and permanently delete the following fraudulent accounts from my credit file : XXXX XXXX  : Original Creditor Unknown : Collection ( Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX ; Balance : {$550.00} ; Creditor Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MO XXXX XXXX Ph : XXXX. 
I did not open these accounts, I did not authorize them, and I am not responsible for them. They are fraudulent and must be removed immediately. 
Enclosures : Copy of my government-issued ID, FTC Identity XXXXheft Report ( serving also as affidavit ), Copy of Social Security Card , Recent Paystub ( proof of address ), XXXX  Data Breach Snapsot referencing my profile XXXX, Copy of collection page of credit report displaying fraudulent item. 


Under 15 U.S.C. 1681c-2, you are legally obligated to block this fraudulent information within four ( 4 ) business days. Failure to do so will result in formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consideration of legal action for damages, attorneys fees, and penalties under 15 U.S.C. 1681n & 1681o.

This is my final notice. Please confirm in writing that these items have been permanently deleted. 
Sincerely, XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I never lived in these apartments. I am a victim of identity theft I was robbed and my purse with my drivers license and social was stolen and used for things I did not apply for for the past years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
Dear Credit Bureau XXXX, XXXX, XXXX XXXX, am writing to formally dispute and demand immediate investigation and removal of inaccurate, unverifiable, or outdated negative information being reported on my credit file. My current address is listed above. 

Upon recent review of my credit report through Credit Karma, I identified multiple collection accounts and inaccurate information negatively affecting my credit profile. These entries do not accurately reflect my credit history, and I am exercising my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) to request : 1.Verification of each debt currently reported in my file, including those marked as Collections. 
2.Immediate removal of any unverifiable, erroneous, or obsolete items. 
3.A full update of my report reflecting corrected and accurate information. 

Specifically, this dispute applies to all collection accounts and any negative or inaccurate items presently listed on my file, as displayed in the attached documentation from Credit Karma ( showing three collection accounts and other related entries ). 

Additionally, I am issuing this as a Cease and Desist notice. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ), I demand that any collection agencies reporting or attempting to collect these alleged debts immediately cease all communication and collection activity until full validation of the debt is provided in writing.

Please send me written confirmation of your investigation results and any actions taken to correct or remove disputed items within the legally required 30-day period. 

Enclosed are copies of my identification and supporting documentation for verification purposes ( Drivers License or ID, and a copy of my recent credit report ). 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX ( Signature ) XXXX XXXX XXXX [ City, State ZIP ] [ Phone Number, optional ]

Company response to consumer: Closed with non-monetary relief