vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates claims my request for debt validation was untimely and that they are not required to provide verification of an alleged XXXX XXXX account ending in XXXX. I never received their initial notice dated XX/XX/year>, so my request was timely under 15 U.S.C. 1692g ( b ). They have not provided documentation proving I owe the debt, that they have legal authority to collect, or copies of the original account records. PRA continues to treat this as verified and may be reporting it without proper validation, which violates the FDCPA and FCRA. I request that PRA be required to validate the debt or remove it from all credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: GA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: FL

Complaint narrative:
TransUnion refer # XXXX On XX/XX/XXXX I reported this as fraud, and submitted a FTC report and a copy of a Police record, and this account was remove and block several times by TransUnion, but somehow TransUnion is allowing collection agency that I have No relationship with and never did business with to keep on posting this accounts, XXXX XXXXXXXX already agree that this account is fraudulent, I am demanding that this fraudulent account from The XXXX XXXX XXXX XX/XX/XXXX XXXX {$3700.00} to be remove and block permanently. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: CA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. 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 2025-10-31 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: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: TX

Complaint narrative:
I am submitting this third-round dispute because my credit report with TransUnion continues to contain inaccurate, outdated, and unauthorized personal information, including incorrect name variations and invalid addresses that I never provided or approved. Despite my previous disputes and submission of proper documentation, these errors remain uncorrected, constituting ongoing noncompliance with the Fair Credit Reporting Act ( FCRA ).

I have attached copies of my government-issued ID, Social Security card , and proof of current address to verify my true and accurate personal information. 

My only legal name is XXXX XXXX XXXX, as it appears on my official identification and Social Security records. Any other name variation listed on my credit file is false, unauthorized, and must be permanently deleted. 

My only valid and current address is : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Any other address on file is outdated, unverifiable, or inaccurate, and must be immediately removed from my credit report. 

Under the FCRA, TransUnion is legally required to ensure maximum possible accuracy and to delete unverifiable data after reinvestigation. Your continued failure to correct these inaccuracies after multiple disputes constitutes willful noncompliance and a direct violation of federal law, including : 15 U.S.C. 1681e ( b ) Duty to maintain reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 5 ) Requirement to delete or correct inaccurate or unverifiable information after reinvestigation.

15 U.S.C. 1681n & 1681o Establish liability for willful or negligent noncompliance with the FCRA. 

I am formally demanding an immediate and permanent correction or deletion of all inaccurate personal information from my credit file. 
This letter serves as final notice and a formal demand for compliance. 

Please provide written confirmation once all corrections have been completed. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-10-31 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: NY

Complaint narrative:
On XX/XX/year>, I received a text message from Capital One at approximately XXXX PM, inquiring about a purchase of {$1200.00} made at XXXX XXXX XXXX XXXX. At XXXX PM on that same date, I responded " XXXX '' and promptly initiated a dispute through the mobile application. I ordered a replacement card and was informed that the original card had been shut down. At the time, my Capital One XXXX XXXX  card was not on my person ; I believed it to be at my apartment. 

Concurrently with the transaction time, I was at my partner 's residence, preparing for a XXXX PM dinner reservation at XXXX XXXX on the XXXX XXXX XXXX. I spent the entire afternoon at that location, including attending a remote XXXX  appointment at XXXX PM. I was never in the vicinity of the merchant, XXXX XXXX XXXX XXXX, and, prior to the fraud alert, had never heard of the establishment. 

On XX/XX/year>, I called Capital One to get an update on the initial disputed charge. During the conversation with the representative, I discovered a second charge of {$1200.00} at the same merchant, also dated XX/XX/year>. I reported this new charge as fraud as well, bringing the total amount disputed to {$2400.00}. 

On XX/XX/year>, I woke up to a letter from Capital One stating there was " insufficient evidence of fraud because : information [ they ] discovered led [ them ] to believe [ I ] or another user benefitted from the transactions. '' Upon receiving this update, I immediately called to dispute the finding. I spoke with a representative named XXXX and his XXXX, both of whom stated that the physical chip/card was used at XXXX XXXX, and for that reason alone, the charges would not be classified as fraud. In response, I referenced the text message I received on XX/XX/year>, where I explicitly denied authorizing the transaction, and noted that my personal timeline and location on that date were inconsistent with the time and location of the transaction. Despite these points, Capital One 's position remains unchanged. Should the need arise, I intend to file a police report with the XXXX for XXXX  XXXX  and escalate the matter further.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I opened up an account back on XX/XX/XXXX online through the link that offers the {$320.00} bonus. I hit my {$1000.00} deposit that same month but I had to wait until my account was open 90 days until I could receive the funds. So my 90 days was up on XX/XX/XXXX, they said within 30 days the funds would be deposited into my account. By day XXXX I called just to make sure everything was okay & the representative said I wasnt in the system & what code did I use to sign up. But it say in bold letters on the Wells Fargo website that if you sign up online through the link your code would be automatically applied. So I didnt have a code to put in manually because I did everything through the link & online. But its been a few days and I havent heard from them after they sent it to the backing team for further investigation. So I wanted to go a different route because they completely lied to me about that {$320.00}.

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 explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Lendbuzz Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I visited Airport XXXX XXXX XXXX XXXX to purchase a vehicle. The dealership rushed me into signing a contract without allowing me the opportunity to review, revise, or have any of the details properly explained. I was required to make a {$2000.00} down payment toward the car at that time. 
Afterward, when I received the loan documents from the financing company, Lendbuzz, I noticed that the total amount owed on the loan was different from the amount stated in the contract I signed at the dealership. I contacted the dealership on multiple occasions requesting clarification and an explanation of the contract terms and the loan discrepancy, but I did not receive any assistance or clear responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: PA

Complaint narrative:
XX/XX/year> {$80.00} XXXX  got screenshots and I got a police report. They sent to the fraud department but XXXX  do anything to refund the money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: LA

Complaint narrative:
In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
I had XXXX unauthorized transactions come from my XXXX account. XXXX sent me XXXX documentations letting me know that it was fraud and unauthorized. I notified chime in reference to this and filed a dispute and they are denying my funds being returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: TX

Complaint narrative:
I am reaching out respectfully as a consumer who is trying to rebuild my credit responsibly. I kindly ask that you re-investigate and verify the accuracy of the charged-off accounts and the large number of inquiries appearing under my report. I do not recall authorizing some of these inquiries, and I want to ensure all activity is legitimate and reported in compliance with FCRA standards.

Charged-Off Accounts in Question : XXXX XXXX XXXX , Acct. # XXXX Reported XX/XX/XXXX | Balance {$990.00} XXXX XXXX, Acct. # XXXX Reported XX/XX/XXXX | Balance {$450.00} XXXX XXXX, Acct. # XXXX Reported XX/XX/XXXX | Balance {$6300.00} Inquiries Under Review : XXXX  XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX  ( XXXX, XX/XX/XXXX ) XXXX  ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX  XXXX ( XX/XX/XXXX ) XXXX  ( XXXX, XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX 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 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, I saw a fraudulent charge in New York, where I have never been, was pending in my account. The amount completely drained my checking and dipped into my savings from overdraft protection ( which I have never actually used ). I reported it immediately, and spoke with XXXX customer service team, who said they would have the dispute team review it. On XX/XX/XXXX, I saw the charges posted, despite my timely report, so I reported it again. I am in disbelief that the charges posted and my money has been taken from me even though I reported the transaction so quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: CA

Complaint narrative:
RE : Request for Removal of Unauthorized Credit Inquiries To Whom It May Concern, I checked my personal credit report, which I acquired from your organization and I noticed that these unauthorized inquiries had been made : * These inquiries were not authorized. Delete them from my credit report immediately : XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I contacted, who placed these inquiries, and asked them to remove their credit inquiries from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into these inquiries on my credit report to determine who authorized these credit inquiries. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiries referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation.

Thank you for your help and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: GA

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 2025-10-31 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: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-10-31 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: NY

Complaint narrative:
I am filing this complaint to report multiple violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other federal consumer protection laws by the credit bureaus and furnishers who have failed to maintain accurate, verifiable, and updated records on my credit profile. My consumer rights have been repeatedly ignored despite my good faith efforts to correct these issues. I am requesting an immediate investigation, deletion of all inaccurate data, and confirmation of compliance with the law. 

XXXX # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$5400.00} CHARGE OFF * * No contract or documentation has been provided proving this debt is mine. Reporting unverifiable charge-offs violates FCRA 602 ( A ), 623 ( a ) ( 3 ), and FDCPA 807 ( 8 ). Keeping false debt data misleads future lenders and harms my financial reputation. I demand verified proof or immediate deletion. 

XXXX XXXX  # XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$6800.00} CHARGE OFF * * This account remains unverifiable and outdated despite multiple disputes. It violates FCRA 609 ( a ) ( 1 ), 605 ( a ), and 611 ( a ) ( 1 ) ( A ) requiring accuracy and proper reinvestigation. Continued reporting of old, inaccurate data causes unjust damage to my consumer report. Immediate deletion is required. 

XXXX  XXXX # XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} CHARGE OFF * * This alleged account has never been validated with signed records or original agreements. Violates FCRA 611 ( a ) ( 5 ) and FDCPA 809 ( b ) for failure to verify. Reporting unverified debts is deceptive and unlawful under consumer protection laws. Delete immediately or provide lawful validation. 

These repeated inaccuracies and unauthorized actions demonstrate gross noncompliance with federal consumer protection laws. The continued reporting of false information, wrong address, and unauthorized inquiries has caused significant harm to my creditworthiness and reputation. I demand immediate investigation, removal of the inaccurate address, deletion of the charge-off account, and removal of all unauthorized inquiries. The credit bureaus and furnishers must provide written confirmation of corrective actions as required by FCRA 611 ( a ) ( 5 ).

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 2025-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: AL

Complaint narrative:
I am filing this complaint because the collection company is attempting to collect a debt that I do not owe, and they have failed to provide proper validation required by federal law. They continue collection activities without proving the legitimacy of the alleged account, violating both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

In my dispute, I formally requested full validation under 15 U.S.C. 1692g, which requires the collector to provide competent and verifiable evidence before continuing any collection efforts. They have not supplied : A signed contract or agreement with my name and signature An itemized accounting and full payment history proving the amount they claim The name, address, and account details of the original creditor Proper proof of assignment / purchase agreement showing the collector has legal standing to collect, including chain of title from the original creditor to the current collector Despite failing to provide the above, they : Continue to pursue collection activity May be reporting inaccurate information to the credit bureaus Have not marked the debt as disputed, if reporting it Refuse to cease communication as required by law These actions constitute violations of, including but not limited to : 15 U.S.C. 1692g ( b ) Failure to validate before continuing collection 15 U.S.C. 1692e Use of false, misleading, or deceptive means 15 U.S.C. 1681s-2 ( a ) Reporting inaccurate credit information 15 U.S.C. 1681i Failure to investigate disputed information

Company response to consumer: Closed with explanation