vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX XXXXXX/XX/XXXX - {$2500.00} XXXX XXXX XXXX XXXX  {$950.00} XXXX - XX/XX/XXXX - {$1100.00} XXXX CARD - XX/XX/XXXX - {$6000.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$250.00} XXXX XXXX  - XX/XX/XXXX - {$330.00} XXXX - XX/XX/XXXX - {$12000.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$120.00} XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXXXX/XX/XXXX - {$45.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$180.00} XXXX XXXX XX/XX/XXXX - {$590.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$1600.00} XXXX XXXX XXXXXX/XX/XXXX - {$810.00} Hard Inquiries : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within XXXX  days. Enclosed are supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ACIMA CREDIT, LLC
State: AR

Complaint narrative:
The original credit is owed to accima they have repurchase the debt and closed it out, but this debt collector continues to call, harass and try to bully me. They have called family members, they have threatened me. They are very aggressive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: MA

Complaint narrative:
XX/XX/year> Submitted support ticket # XXXX to XXXX  stating that the XXXX factor authorization to verify my computer being used could not be completed because my email address on file with XXXX  had been closed and I am unable to access my account to update my new email address. Issue not resolved. 

XX/XX/year> Submitted new support ticket # XXXX. 

XX/XX/year> Submitted requested digital selfie of my face ; drivers license ; XXXX  code ; and date written on paper held by me in picture. 

XX/XX/year> XXXX  acknowledges receipt of selfie and info etc. State they will get back to me once they have update on what to do. 

No further contact from XXXX  despite repeated email requests by me to please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute certain accounts and inquiries appearing on my credit report. I respectfully request a thorough investigation into the following discrepancies, as they appear to be inaccurate or incomplete. These issues have a direct and negative impact on my credit score, and I am seeking timely resolution in accordance with the Fair Credit Reporting Act ( FCRA ). Below, I have provided the details of the disputed accounts and inquiries, separated by bureau. 

CHARGED OFF ACCOUNTS XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} LATE PAYMENTS XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am submitting this dispute due to inaccurate and incomplete reporting of my credit information by the credit bureaus. Below are the accounts in dispute, which I request to be corrected in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 


Inquiries XXXX, XX/XX/year> Late Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The account listed on my FTC report is fraudulent and doesn't belong to me. I do not recognize this account, I demand this be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The account listed on my FTC report is fraudulent and doesn't belong to me. I do not recognize this account, I demand this be deleted from my credit report immediately.

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 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have been paying my bill early each month and have come to find out as of XX/XX/XXXX that I should not pay on this account early because they can not credit it to the next month until after they have generated the bill. This is causing my account to look delinquent even though I have paid each month on my end. I receive numerous phone calls saying I need to pay again as the funds were posted to the previous month. I am getting late fees attached as well. I asked them to bring my account current and said I will no longer pay early. I will wait and pay on the actual due date. I asked them to send paper copies of the bill and they wanted to charge me {$1.00} each month to do so. I told them forget it. So as of right now they want another {$570.00} to bring my account current. They say they can not fix this issue and can not remove any late fees. I live on social security XXXX. There is no way I can pay that amount. I have never done business with a company that can't handle an early payment. I have my banking information showing that I have made all payments and they have been withdrawn. I don't know what else to do because they refuse to correct anything on their end but expect me to correct everything on my end which I can do if they fix their end but I will not make extra payments. It is not financially possible. I got this credit card in XXXX of XXXX  and have made all payments. Unfortunately I paid early because my check only comes mid month.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have submitted all required documentation and urge for a comprehensive examination of this issue. The unauthorized inquiries are greatly concerning to me, and I seek a prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/year> I received a payment for {$43000.00} through ACH direct deposit into my Citizens checking account. On the following day once the payment had credited to my account. I visited the branch location and withdrew {$17000.00} of the amount credited in cash. I was informed inside the branch that the payment had came in with the incorrect recipient name, but it would not be an issue going forward. A few days after Citizens had put my account under hold for a review, and after contacting customer support I had learned that contrary to the experience I had in branch, my transaction needed to be verified as they had believed the payment had not meant to be sent to my checking account. Since the hold, I have requested that the funds either be returned over to the originating sender or closed and released back to me, and at each request Citizens bank had refused to do so and delayed the review process indefinitely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was supposedly sued for a debt that Capital One, N.A. is trying to collect. The plaintiff is listed at the company 's address, but I already called Capital One and they told me this account isn't in their system. The strangest thing is that I've received numerous calls and letters supposedly from Capital One to collect a debt in my name. In the letter, besides Capital One, a collection agency called XXXX, XXXX XXXX  XXXX, XXXX. is mentioned. They are the ones trying to collect the debt on behalf of Capital One. Although I informed them that I don't recognize this debt, as I was the victim of theft, and I sent them complaints clarifying that I don't recognize this account, they insist on collecting money from an account that isn't mine, and now they've sued me on behalf of Capital One, which isn't true because they are the ones representing the plaintiff.

In fact, I informed them that I only have one account with this bank, which I opened directly at the branch in XXXX, and whose credit limit is {$500.00}. I have never opened or conducted any other transactions with this creditor. Furthermore, I already sent them a report for identity theft as proof, and I have my actual credit report showing that the credit bureau closed this account after their investigation. However, it frustrates me that they don't care ; they just want the money without considering the evidence I sent them or investigating the case. The only thing I received from them were bank statements supposedly as proof that I opened and used the account, and that's it. 

The following is the creditor contact information : XXXX, XXXX XXXX  XXXX, XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX XXXX P.O. XXXX XXXX XXXX, NJ XXXX Telephone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: DE

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
I do not remember exact dates, this was back in XXXX. I ordered a laptop from XXXX. On the day I put in the order I was involved i an auto accident. I knew immediately I had to cancel the order due to the accident because I couldn't make new bills. I called all parties involved and explained the situation. XXXX said they couldn't cancel the order and I advised them do not deliver anything to my residence and advised Affirm I canceled the order. I immediately, because I didn't trust either of these companies, told my bank to block any attempt from XXXX or Affirm from collecting from my bank accounts. I have called both companies countless times. I tried contacting the carrier for XXXX not to deliver the order. It is if XXXX forced this upon me and Affirm sent them money and are trying to collect money from me. If anybody owes Affirm money it is XXXX. XXXX then had the order delivered and I advised them i wouldn't touch it on my porch and told them to send a driver from their closest store to pick up the item and the refused this request. I have mobility issues and walk with both a cane and a walker. XXXX said I can bring the item back to the store but with my mobility issues I let them know this request was impossible. I asked them again to send a driver and they refused again. I tried to do the right thing and cancel the order. I owe nobody any money and have been calling these XXXX companies many times per month since XXXX. Now Affirm is reporting missed payments to the credit bureau! THIS IS UNFAIR AND MOST STOP!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
These accounts were created without my knowledge or consent, and I should not be accountable for them. I urge you to take swift steps to correct this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I was selling XXXX cards often on a personal account. I did for about 4 months straight and then they hit me with this ban. PayPal permanently limited me even though the sales were medium and legitimate. I have also taken the right steps when selling this account, uploading tracking etc.. I never received a bad customer complaint either. I want a review or reinstatement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am submitting a dispute for the following accounts listed below. These accounts are inaccurately reported, and I am requesting that they be corrected or removed from my credit report. The dispute is separated by each credit bureau. 

Charged Off Accounts : XXXX, XXXX, XX/XX/XXXX, {$210.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$350.00} XXXX XXXX XXXX  XXXX, XX/XX/XXXX, {$1600.00} Inquiries : XXXX XXXX A, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/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 XXXXXXXX, XXXX Late Payments : 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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this dispute to TransUnion regarding the reported discrepancies and incomplete information in my credit report. The accounts listed below require investigation to ensure that my credit file reflects accurate and up-to-date information in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$360.00} Late Payment Accounts : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: VW Credit
State: CA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX regarding a disputed {$490.00} disposition fee that was charged after the return of my leased vehicle. 

When I leased the vehicle from XXXX XXXX XXXX, the sales representative explicitly assure me in person that the disposition fee would be waived if I returned the vehicle in good condition. I relied on that representation in entering the lease and throughout the term. 

I returned the vehicle under mileage, in excellent condition, and with all payments made on time. Based on what I was told, I had every reason to believe the fee would be waived. 

Despite this, XXXX XXXX XXXX  billed me the disposition fee. I requested a goodwill waiver and explained the situation to XXXX XXXX XXXX. They refused to waive the fee stating only that it is valid, without addressing the misrepresentation. 

I attempted to resolve this matter directly and requested supervisory review, but XXXX continues to deny the waiver without addressing the underlying issue. Instead, passing blame to the dealership under the guise that XXXX XXXX XXXX is a separate entity from the dealerships that are privately owned. This is the way they treat consumers. One passes blame to the other and they each act like they bear no responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Climb Credit Inc.
State: GA

Complaint narrative:
XXXX, the school I financed through a Climb Credit loan, permanently closed and stopped providing the educational services I paid for. The owner announced that all access would end on XX/XX/year>, and that mentorship, graded assignments, and job assistance were discontinued before I could complete the program. 

I contacted XXXX to request a refund but received no response. I then contacted Climb Credit, XXXX XXXX, and XXXX. Climb told me they can not issue a refund unless XXXX sends tuition back, even though the provider has closed and is unreachable. Climb also incorrectly stated that I completed the program, which is not true. 

Under the FTC Holder Rule, the lender is responsible for undelivered services when the provider has closed. I requested loan cancellation or a refund under the Holder Rule, but Climb did not provide a solution. XXXX and XXXX continue billing, despite my dispute and the closure of the school. 

I am requesting a full refund or cancellation of the loan, removal of any negative credit reporting, and a review of Climb, XXXX, and XXXX  handling of this situation.

Company response to consumer: Closed with explanation