vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Garner & Conner, PLLC
State: TN

Complaint narrative:
I have contacted Garner & Conner regarding a debt they claim I owe. I have attempted to resolve the issue by phone ; however, the amount continues to increase due to added interest and fees on what appears to be an old debt.

I request making and offer 3 times I was denied of offer Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I am requesting full verification of the debt, including a complete itemized breakdown of the amount claimed. They have stated that they are charging interest on the debt, claiming a 10 % interest rate. However, under Tennessee law, the legal interest rate is 9.50 %.

As a citizen, I believe my rights have been violated, and I am requesting immediate clarification and compliance with federal and state laws regarding debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The payment for both of account is still appearing on my credit report, even though it has already been paid in full. I have documentation to confirm the completed payment. ( Capital one and XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: Capital Accounts, LLC
State: PA

Complaint narrative:
They said I owe something that I didnt authorize! They stated because it was bills mailed out to me. And so Im responsible and I didnt authorize any of the credit cards! I only had car loans and empower loans. I need all these credit cards removed from my name because I didnt authorize them. So Im asking for them to be removed!!

Company response to consumer: Untimely response
Consumer complaint received 2025-05-27 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: CL Holdings LLC
State: PA

Complaint narrative:
They said I owe something that I didnt authorize! They stated because it was bills mailed out to me. And so Im responsible and I didnt authorize any of the credit cards! I only had car loans and empower loans. I need all these credit cards removed from my name because I didnt authorize them. So Im asking for them to be removed!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I previously disputed the account listed below, yet my credit report still shows inaccurate and incomplete information. Im now formally requesting the description of the procedures used to investigate this account. As required by law, you must provide this information within 15 days of receiving this notice. If you cant verify the accuracy or fail to respond in time, the disputed account must be removed from my credit report. Please see the attached letter for my request. I look forward to your reply. Given from the previous dispute for my negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
inaccurate information on Experian credit report and spellings and prior address are all wrong.

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 2025-05-27 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
In XX/XX/year>, I was charged {$100.00} for an annual subscription renewal by a vendor ( XXXX  ) via Paypal. The vendor 's own email confirmation stated that my subscription would be renewed and billed on XX/XX/year>. However, PayPal processed the transaction at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> which is a full day earlier than the agreement indicated. 

I contacted XXXX immediately to cancel the renewal, but they refused a full refund and instead offered to issue only after I paid again for XXXX month of service despite the fact that I had not used the service after renewal. 

I then disputed the transaction through PayPal and provided clear documentation, including : a copy of the email from XXXX confirming the XX/XX/XXXX renewal date, the PayPal transaction timestamp showing the charge occurred on XX/XX/XXXX, and a record of my communication with the vendor attempting resolution. 

Despite this, PayPal denied my case, stating that the transaction was " processed correctly. '' They would not allow for an appeal or escalation of the case for supervisor review, even though the evidence shows that the charge occurred earlier than agreed, preventing me from canceling on time.

My concern is that PayPal did not properly evaluate the dispute and sided with a merchant that violated their own billing terms. I am requesting regulatory review of how PayPal handles subscription disputes involving early billing and denial of appeal, despite supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: UT

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: FL

Complaint narrative:
I was affected by a recent data breach, and unauthorized accounts have shown up on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$6500.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} Inquiries XXXXXXXX XXXX XXXX XXXX Date XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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:
This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: TX

Complaint narrative:
Pursuant to the provisions outlined in 15 U.S.C. 1666b, payments received by creditors must be promptly credited and reported accurately. I hereby dispute the erroneous reporting of late payments on the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as my payments were submitted timely. 
I demand immediate removal of this reporting error from my credit file. Failure to comply with this request may subject your agency to legal liability for violating federal law. Confirm the results of your all corrections made to my credit report within seven ( 7 ) calendar days.

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am sending this complaint to MIDLAND CREDIT MANAGEM Original creditor XXXX XXXX XXXX XXXX XXXX  regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
CB/VICSCRT Subject : Debt Verification Request under the FDCPA Account Number : XXXX To Whom It May Concern : This letter is a formal request for validation of the alleged debt listed under the above account number, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( 15 USC 1692g ). According to federal law, I have the right to request full validation of any debt you claim I owe. Therefore, I am requesting the following : 1. Proof that you are legally authorized to collect this alleged debt. 2. A copy of the original contract bearing my signature or any documentation establishing a relationship with the original creditor. 3. The name and address of the original creditor. 4. A complete breakdown of the original amount, including any interest, fees, or other charges. 5. Evidence that the alleged debt is not time-barred under my states statute of limitations. 6. A copy of any credit report entries you have made concerning this account. Until this debt is properly verified, you must cease all collection activities and stop any attempt to report this account to credit reporting agencies, or further reporting if already done. Failure to do so would be a violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ). This is not a refusal to pay but a request for validation. Please communicate with me only in writing regarding this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX {$100000.00} was transferred from the joint account to the business account. 
On XX/XX/XXXX {$4000.00} was transferred from the joint account to the business account. 
On XXXX {$7000.00} was transferred from the business account to the joint account. 
On XXXX {$7000.00} was transferred from the joint account to my personal account. 
On XX/XX/XXXX Wells Fargo performed a " Transfer Debit Reversal '' removing the money from my personal account and placing it in the business account. 

I let them know at that time that the fund where in fact my funds and that they had no right to withdraw them from my account and place them in the business account, especially since they had been transferred from the joint account originally. 

At that point I had no access to the business account. At that point Wells Fargo told me I would have to get a court order in regards to who's funds they where since it was a martial dispute and if I did. Wells Fargo would return the funds to my account. I now have the court order. 

I have since obtained a final judgement awarding me those funds. 

On XX/XX/XXXX I brought the final judgement to a Wells Fargo branch in XXXX and spoke to personal banker XXXX XXXX. She opened a case for me and let me know someone would be in contact with me with-in XXXX business days. Wells Fargo case number : XXXX. 

On XX/XX/XXXX I was contacted by XXXX with Wells Fargo. She proceeded to tell me that bank policy supersedes a court order and that they can withdraw funds from my account per bank policy. She told me my best bet would be for me to sue the person whose account Wells Fargo incorrectly deposited my funds into. 

I proceeded to tell her I have no proof where the funds where sent and why the funds where " Transfer Debit Reversal '' by Wells Fargo. She then proceeded to tell me that the account holder told them the funds where transferred fraudulently and they where placed back into his account. I asked if I could have a copy of the complaint to take back to court, and was told NO, again per bank policy. 

Wells Fargo can make me whole again just by performing the same " Transfer Debit Reversal '' that they did when they removed the money from my account. Well Fargo would not take a loss as the funds are still in there bank. The business account would not take a loss because a judge has ordered that those are my funds. At this point, I am the only person that has taken a loss.

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am writing to inform you that my personal information, which I know is in the possession of all credit bureaus, it has been bought to my attention that my information has been exposed in numerous data breaches. I recently pulled my credit report and they have all type of inquiries and collections that I have no knowledge of.As a result, I am exercising my rights under applicable data breach laws and regulations to request that you delete all inquiries and records containing my personal information within 7 days. 

Pursuant to 15 U.S.C. 6502 ( Children 's Online Privacy Protection Act ) and other applicable laws, including the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ), I request that you take immediate action to protect my sensitive information by deleting all records and inquiries that contain my personal data.

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 2025-05-27 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: IL

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 2025-05-27 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS AND HARD INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS AND HARD INQUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX 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