vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT RESOLVE GROUP LLC
State: NC

Complaint narrative:
In the last 6 months I tried to set up an account with XXXX to sell flowers in my area. 
XXXX was never able to get the account set up with proper zip codes and min. amounts we would accept, despite a number of calls and emails to my XXXX XXXX XXXX and other specialists in XXXX and North Carolina. 

XXXX offices are located at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX, XXXX, AR XXXX XXXX XXXX XXXX XXXX, Oklahoma XXXX, OK XXXX Since I would not honor deliveries that were below our minimum or out of our delivery area XXXX mistakenly sent my account to a collection agency for penalties based on not accepting deliveries the were not set up correctly in their system. 

This collection agency is XXXX XXXX Contract XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Texas, XXXX I sent a validation proof letter to XXXX XXXX at the above address but he refuses to honor the certified letter and continues to call and email my wife at her work place trying to intimidate her. 

The validation letter states in part ... '' I would like to request in writing that no telephone contact be made by your offices to my home, my cell phone or place of employment ... or third parties. 
XXXX XXXX continues to call myself and wife and is threatening all types of recourses and litigations to us both.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: FL

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 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 from my credit report.

ACCOUNTS : 1 ) XXXX  XXXX XXXX DATE OPENED XXXX 2 ) XXXX  XXXX XXXX DATE OPENED 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 2025-11-05 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: VA

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-11-05 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I am filing this complaint as a consumer attempting to correct inaccurate and unauthorized information being reported on my credit reports with XXXX, Experian, and XXXX. The items below are either incomplete, inaccurate, or unverifiable. I am requesting a full investigation and removal or correction as required under the Fair Credit Reporting Act ( FCRA ), Section 611.

Charged Off Accounts Please verify any charged-off accounts reported. None appear to be accurate or verifiable.

Inquiries The following hard inquiries were not authorized by me and should be removed as they violate FCRA 604 ( a ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Late Payments XXXX XXXX XXXX XXXX  Account # XXXX This account is inaccurately showing a late payment. I have never missed or been delinquent on this account. Please investigate and remove or correct any inaccurate late payment entries.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Im reaching out because theres a lot of old and wrong personal information showing up on my credit file that shouldnt be there anymore. Ive tried to get it fixed before, but its still not corrected. Im asking that these items be investigated and removed right away under the Fair Credit Reporting Act ( FCRA ).

My legal name is XXXX XXXX XXXX, and my current address is XXXX XXXX XXXX XXXX XXXX, OH XXXX. Thats the only name and address I use. 

Heres what needs to be deleted because its either outdated, incorrect, or cant be verified : Old Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Incorrect or Old Names : XXXX XXXX XXXX XXXX XXXX Outdated Employment Info : XXXX XXXX ( listed as updated XX/XX/year> ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ive attached my dispute letter for this month that includes my ID and proof of address so you can verify my correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
On various occasion the bank collector representative has contacted me the most recent wants were on XXXX XXXX. On this one the bank collector was told that he could not get in into a gated community. He entered an open mailbox without my concern and called me over the phone. The other time on XX/XX/year>, he was told that he had no permission to enter the gated community, called me to harass me for the collection of a debt. At that time, he expressed told the security guard to tell me to contact the bank. The bank collector did this to Disgrace me in front of the security guard. He also used harassing, oppressing and abusing to the security guard and to my self.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
I received a letter via USPS from Midland Credit Management 7 days ago on XX/XX/year>. In the letter this company is claiming that I owe XXXX XXXX, XXXX. {$1800.00}. Please note the following fact : # 1 - I do not have a XXXX XXXX account. Therefore, how will I owe XXXX XXXX. # 2 - The middle name listed is not my middle initial. If this is legitimate, this company should know my correct name. # 3 - The letter was forwarded from my old address. If this is legitimate debt, this company should know my current address. # 4 - My FICO score is above XXXX. I always paid on time. I regularly check my credit reports and even place a freeze on all of them. I also just checked all of them and there are no collection account ( s ) listed. This company is mistaken. # 5 - Just last month this same company also sent me a letter via USPS claiming that I owe money at XXXX, which is also not true. I dont have a XXXX account. I filed a similar complaint with your organization at consumerfinance.gov, same as today. Please order this Midland Credit Management to cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: DE

Complaint narrative:
I am filing this complaint as a consumer attempting to correct inaccurate and unauthorized information being reported on my credit reports with Equifax, Experian, and TransUnion. The items below are either incomplete, inaccurate, or unverifiable. I am requesting a full investigation and removal or correction as required under the Fair Credit Reporting Act ( FCRA ), Section 611.

Charged Off Accounts Please verify any charged-off accounts currently reported. None appear to be accurate or verifiable. 

Inquiries The following hard inquiries were not authorized and were not initiated by me : Ally Financial XX/XX/year> XXXX XXXX XX/XX/year> These should be removed in accordance with FCRA 604, as they were not made with my permission or for a permissible purpose. 

Late Payments XXXX XXXX XXXX XXXX  Account # XXXX This late payment entry is incorrect and damaging. Please conduct a full reinvestigation and provide documentation of verification. If unverifiable, it must be deleted under FCRA XXXX ( a ) ( 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 2025-11-05 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: Aldous & Associates, PLLC
State: FL

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate or misleading accounts currently appearing on my credit reports. These items are negatively impacting my credit profile, and I am requesting that they be fully verified or removed if found to be inaccurate or unverifiable. 

XXXX. XXXX XXXX  Account ending in XXXXXXXX XXXX XXXX XXXX XXXX reported as a collection account opened on XX/XX/XXXX for {$690.00}. This account is inaccurate and unauthorized. I have no record of a signed agreement with this company, and the account was never properly validated in accordance with the Fair Debt Collection Practices Act ( FDCPA ). 

XXXX. XXXX  XXXX XXXX Account ending in XXXXXXXX XXXX XXXX, opened XX/XX/XXXX, showing as a paid collection for {$91.00}. This account continues to report as derogatory, even though the balance is {$0.00} and has been paid. This is misleading and should be updated or deleted in accordance with the Fair Credit Reporting Act ( FCRA ) for accuracy and completeness. 

XXXX. XXXX XXXX XXXX XXXX Account ending in XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX as a rental agreement. This account is reported as closed but is still included in my credit report, despite having a {$0.00} balance, no late payments, and no delinquency. This account should not be negatively impacting my score and should be verified for proper reporting status. 

XXXX. XXXX XXXX Account ending in XXXX XXXX XXXX XXXX XXXX, opened XX/XX/XXXX, reports multiple late payments through XXXX. I dispute these late payments as inaccurate. The reporting pattern is inconsistent with my records, and I request a reinvestigation to verify each late payment entry under Section 611 of the FCRA. 

I have attached screenshots of my credit report, which show the above-listed items. Please ensure that each furnisher verifies the accuracy and legitimacy of their reporting or removes the information that can not be properly validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I affirm that the erroneous late payment entries on my accounts violate 15 USC 1666. I have consistently paid on time, and any inaccuracies in this reporting are both unfair 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 2025-11-05 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: KY

Complaint narrative:
I am writing to dispute the following accounts on my credit report. After reviewing my credit file, I have identified the following discrepancies. 

Charged Off Accounts : XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$7600.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3300.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$670.00} XXXX respectfully request the verification of the above-listed charged-off accounts. If the accounts can not be accurately verified, I request their prompt removal from my credit report to maintain compliance with the Fair Credit Reporting Act. 

Late Payments : DEPTEDXXXX, Account Number : XXXX DEPTEDXXXX, Account Number : XXXX Please ensure that the above late payments are properly verified. If verification can not be provided, I respectfully ask that the payments be removed from my credit report.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I am trying to fix an issue I had with XXXX  XXXX XXXX back in 2022. I had an account with them and it was always in good standing and it was honestly a card my wife and I solemnly used. However, there was an instance where someone had made a purchase and we did not know. We didn't use the card and when we finally received notification we called and got current right away assuming it must have been a mistake on our end. However, after reviewing it we saw the charges on there were quite weird and I didn't recognize them and at that point we had already paid the account up and when I contacted XXXX  XXXX XXXX I did not find that the rep was being helpful and advised that I would have to dispute the information with the bureaus. I have done this multiple times and they have advised XXXX  XXXX XXXX is verifying the information. I am having a hard time with this because I do not feel as though this should affecting me when I did nothing wrong, I literally did not know that there was any balance on that card because my wife and I did not make those purchases but paid anyway.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: NC

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately. 

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I respectfully request that the information reported by Experian be reviewed for accuracy and corrected or removed as necessary. If any information can not be verified, I request that it be removed from my credit report under the Fair Credit Reporting Act ( FCRA ). 

INQUIRIES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
For seven years I deposited into a savings account for emergencies or other sudden events. I withdrew money directly to my checking account and wrote a check for the amount the next day. The online bank stopped the transaction so the check was no good. I had to retrieve the check and find other ways to cover it. I had to raid other accounts to cover the check. It was embarassing to walk in with three checks and a credit card to cover the check. I contacted them to see what the problem was and they said they needed more information. They already had my social security number, bank account number, security questions answered and passcodes. They then wanted me to get an online notary, a picture of my driver 's license and to meet virtually with the notary. I could not get it to work as I am XXXX  years of age and not very knowledgeable when it comes to technology. I contacted my local bank, that actually was linked to the online bank, and they were not able to help. I contacted my senator who suggested CFPB for help. If I was in better health, I would drive to Utah to directly withdraw my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-05 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I opened a credit card account with Synchrony Bank that was supposed to include a deferred interest promotion. However, I was never provided any documentation or written confirmation showing the specific length or terms of the promotion. I believed the promotion period was 18 or 24 months based on the information I received at the time of purchase.

Synchrony Bank did not send any emails or notifications confirming the promotional period or its expiration date. I continued to make regular, on-time payments under the assumption that I was still within the promotional timeframe.

Without any notice, the 12-month period apparently ended, and Synchrony Bank retroactively charged me {$2900.00} in deferred interest. My balance is now {$5900.00}, and the accounts purchase APR is 34.99 %, which has made the debt extremely difficult to manage. 

I contacted Synchrony Bank to dispute the charges and request a goodwill adjustment, explaining that I was never informed of the true promotional period and never received any written confirmation. They refused to remove or reduce the deferred interest. 

I believe this situation represents an unfair and deceptive practice. Customers should receive clear, written confirmation of promotional terms and reasonable notification before a deferred interest period ends. I am requesting that Synchrony remove or reduce the retroactive interest charges and improve their disclosure and communication practices.

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 2025-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am officially requesting the removal of this erroneous account from my credit report, as I never authorized its creation or use. Attached are the supporting documents to substantiate my claim.

Company response to consumer: Closed with explanation