vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 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:
Take a look at this recordit seems late and possibly erroneous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: CA

Complaint narrative:
This account originally went delinquent years ago but was removed from XXXX  after being reported inaccurately. The same account is now being reported on my Equifax report with a new Date of XXXX XXXX ( XX/XX/year> ) and an incorrect date opened ( XX/XX/year> ). This is a re-aging of the account, which is illegal under FCRA 623 ( a ) ( 5 ). The company has not provided validation of the account, including the original creditor or the true Date of First Delinquency. I am requesting that Equifax remove the account and investigate the furnisher for reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date of Birth : XX/XX/XXXX Phone : XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Telephone : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX with Social Security Number XXXX, a resident of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 

Affidavit : Applicant Identification : Full Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number. 
Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 

Sincerely, 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 2025-11-07 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:
These accounts are not associated with me and must be removed within XXXX  days per USC 1681g.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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:
I am not responsible for these accounts ; they should be removed within 15 days per USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: EGL US, LLC
State: IL

Complaint narrative:
I follow all the required steps for my refund on XXXX XXXX payment was made on this account the original payment was {$75.00} 2 payments of {$75.00} was taken out and one payment of {$750.00} All on XX/XX/year> I was informed that the refund was processed on XX/XX/year> and was supposed to be sent out now the company for the XXXX plus days has been emailed me saying that technical issue and they have to manually review and approve by then it department. But on the others had they doing business as usual. So how are the issues out loans I call them and ask for a manger to called me back I have received the same email about they system for over a month now

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. Attached are my FTC Identity Theft Report, identity documents, and legal demand under FCRA 605B ( 15 U.S.C. 1681c-2 ). I demand the immediate deletion of all fraudulent accounts listed in my letter within 4 business days, as required by federal law. Failure to comply will result in me filing formal complaints with the CFPB, FTC, State Attorney General, and pursuing civil litigation for willful noncompliance under FCRA 616 & 617. You are legally obligated to block and permanently delete this information. Any refusal, failure, or delay will be treated as intentional violation of my consumer rights, exposing TransUnion to statutory, actual, and punitive damages, including attorneys fees. I expect written confirmation once deletions are complete.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: OK

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: CA

Complaint narrative:
I am disputing the following accounts on my TransUnion credit report due to potential inaccuracies or incomplete reporting. 

CHARGED OFF : XXXX ( Account # : XXXX ) - Date Opened : XX/XX/XXXX - Balance : {$0.00} XXXX  ( Account # : XXXX ) - Date Opened : XX/XX/XXXX - Balance : {$9000.00} XXXX XXXX ( Account # : XXXX ) - Date Opened : XX/XX/XXXX - Balance : {$2000.00} XXXX XXXX ( Account # : XXXX ) - Date Opened : XX/XX/XXXX - Balance : {$1900.00} XXXX ( Account # : XXXX ) - Date Opened : XX/XX/XXXX - Balance : {$1800.00} XXXX XXXX  ( Account # : XXXX ) - Date Opened : XX/XX/XXXX - Balance : {$560.00} XXXX XXXX  ( Account # : XXXX ) - Date Opened : XX/XX/XXXX - Balance : {$510.00} XXXX XXXX ( Account # : XXXX ) - Date Opened : XX/XX/XXXX - Balance : {$1800.00} XXXX & XXXX ( Account # : XXXX ) - Date Opened : XX/XX/XXXX - Balance : {$54.00} XXXX ( Account # : XXXX ) - Date Opened : XX/XX/XXXX - Balance : {$300.00} XXXX ( Account # : XXXX ) - Date Opened : XX/XX/XXXX - Balance : {$300.00} XXXX ( Account # : XXXX ) - Date Opened : XX/XX/XXXX - Balance : {$300.00} INQUIRIES : XXXX, XXXX : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX  XXXX, Date : XX/XX/XXXX LATE PAYMENTS : XXXX ( Account # : XXXX ) XXXX  XXXX ( Account # : XXXX ) XXXXXXXX ( Account # : XXXX ) XXXX ( Account # : 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 2025-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: IL

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. 

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I am writing to file a formal complaint against Pressler & Pressler LLP ( also known as Pressler Warshaw ) for unlawfully taking funds from my bank account that consist solely of Social Security Income ( SSI ), which is federally protected from garnishment under 42 U.S.C. 407.

Recently, I discovered that Pressler Warshaw placed a hold on my account and withdrew money without authorization. These funds are my only source of income, coming directly from the Social Security Administration. I have documentation from my bank showing that the deposits are SSI benefits, as well as records of the withdrawal and/or account freeze initiated by Pressler Warshaw .

I believe this action is a direct violation of federal and state law, as creditors are prohibited from seizing or freezing Social Security benefits. I respectfully request that your office investigate this matter and assist in having my funds released and returned immediately. 

Details : Law firm : Pressler & Pressler LLP / Pressler Warshaw LLP Action : Unauthorized hold and/or withdrawal from my bank account Account contains only SSI benefits Approximate date of garnishment : [ insert date ] Bank name : XXXX I am also requesting that Pressler Warshaw cease all further attempts to collect from or access my protected funds. 

Please advise on the next steps to file a formal complaint and provide any supporting documents your office may need.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: TX

Complaint narrative:
I am disputing the accuracy and completeness of the collection account reported by Midland Credit Management. The account fails to identify the original creditor, the date of first delinquency, and may have been improperly re-aged to appear more recent than it truly is. Under the Fair Credit Reporting Act ( 15 U.S.C. s1681i ) please conduct a reinvestigation and require Midland Credit Management to provide proper verification,, including the name of the original creditor, account opening date, and full payment history. If can not be verified, please remove this account from all my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: OH

Complaint narrative:
There was a transaction with a merchant that sent a device from XXXX that was not matching my vehicle specifications even though they replied that it will match before ordering and then refused to issue a refund or only partial like XXXX XXXX XXXX $ or XXXX $ after multiple emails.... I disputed the transaction with my bank card issuer but they didn't resolve the issue after being their customer for over 13 years i believe they just kept the money and my personal credit score of over XXXX at the time with XXXX $ in credit line, my score dropped with XXXX points for a charge of under XXXX XXXX how is this credit score even evaluating if a XXXX $ dispute can have such a big weight on XXXX?!? This is my last attempt to see if there's any common sense left anywhere around or I'll just roll with this joke of a system

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is an inaccurate item. It shows as a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
CCFI has been attempting to collect pass due amount since Monday XX/XX/year> all the way to today Friday XX/XX/year>. I have explained multiple times over the phone about being affected by the Government Shutdown due to being a XXXX XXXX and not being paid until this shutdown settles. I have let CCFI know about the hardship that I am going through and they still seem not to understand that whenever I get my pay from my job I will continue with my payments. Other thing this company when I got my loan I had told them to set my payments on my pay days so coming to find out that CCFI the person at the front desk and management set my payments to a week before my actual payday so they started to take payment out of my card even though I had told them that I get paid every other Friday which is biweekly. When I went to go ask if they can change the due payment schedule they said that they couldnt change it anymore the only way was to refinance or keep paying a week early and that would set me for an overdraft. So also I was almost done with the loan so by doing this it made me more in debt with them, which added more to the amount owed just to change the date of payment loan and to add to that I wasnt even given at least more money or anything due to doing this change but it did increase what I owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
File a dispute against XXXX fitness and edge fitness Because continuously asked for refund after they kept giving different amounts to.close my gym memberships. Kept on paying the other amount Becausw weeks asking they gave me ths amount in attachment is the amounts I tryin to get credited back by Wells Fargo Wells Fargo looked like they removed too of my amounts XXXX for because overpaid the XXXX XXXX XXXX XXXX. Just want my money credited by Wells Fargo

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: MA

Complaint narrative:
Description of What Happened I am disputing a transaction with XXXX XXXX  dated XX/XX/year>, in the amount of {$890.00}, for a XXXX camper rental. The vehicle became inoperable within XXXX hour of pickup and could not be used for the remainder of the rental period. Although the agreement included XXXX roadside assistance and replacement coverage, no help or substitute vehicle was provided despite my repeated attempts to contact XXXX XXXX  via online chat and XXXX on XX/XX/year>. I spent over XXXX hours trying to reach assistance but received no confirmation of help. The next day, I visited the XXXX XXXX  XXXX XXXX, where staff confirmed they had no record of any roadside request and that the vehicle remained on the roadside. 

Despite only having the vehicle for less than XXXX hour, XXXX XXXX  charged me for the full XXXX rental. I am requesting a full reversal of the {$890.00} charge because services were not rendered and the vehicle was unusable beyond the first hour. 

I submitted my dispute paperwork to Capital One on XX/XX/year>, and received a temporary credit on XX/XX/year>. I called Capital One XXXX times ( on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) after being told I was missing documentation. The first XXXX times I was advised to resubmit my letter ; each submission was denied. On my third call, I was told to provide the rental contract, which I did, but it was also denied. 

During my fourth call on XX/XX/XXXX, I spoke with a manager who said my case could not continue because all documentation had to be submitted by XX/XX/XXXX. I explained that I had called multiple times before that date and was told different things each time. She stated nothing more could be done. I called again immediately and was transferred to the XXXX department, where I was told that Capital One could request funds back from XXXX XXXX, but it was now past the XXXX timeframe. 

The update letter from Capital One listed acceptable documents ( invoice, proof of cancellation, refund voucher, etc. ). I submitted all required documents except the original rental contractwhich I later provided when requestedbut my dispute was still denied without a clear explanation until after the deadline had passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt.

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I am filing this complaint because the creditor/debt collector has continued collection efforts despite my bankruptcy filing. This includes phone calls, letters, and reporting the debt to credit bureaus after the bankruptcy case was filed and/or discharged. Such actions violate the automatic stay and discharge injunction under bankruptcy law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Company : JPMorgan Chase Bank, N.A. 
Issue : Chase refuses to deposit valid {$10000.00} trust check after reversing ATM deposit. 
Details : - Deposited {$10000.00} trust check at ATM XX/XX/XXXX. 
- Chase credited, then reversed XX/XX/XXXX. 
- Mailed original check XX/XX/XXXX. 
- Filed Reg CC claim # XXXX on XX/XX/XXXX. 
- Chase phone team said : Deposit in-branch full {$10000.00} available immediately, no hold. 
- At [ XXXX XXXX XXXX XXXX, XXXX, TX XXXX ] on XX/XX/XXXX, teller/manager refuses to accept properly endorsed check. 
- Reg CC team says no power to force branch THIS IS FALSE. 
- I am the receiving money from a trust. Check is valid. Endorsed : XXXX XXXX XXXX trustee for XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( me ) - Demand : Immediate deposit + {$2500.00} provisional credit + full {$10000.00} re-credit. 

Attach : - Photo of check ( front + back with endorsement ) - Reversal letter - Substitute check notice

Company response to consumer: Closed with explanation