vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I've requested under the ( fcra ) that they clear all inaccurate information off my credit file meaning incorrect dates to which accounts were acquired, amounts owed are incorrect and way over actual balances owed and some accounts have NOT been properly verified as requested in writing. Asked TransUnion to supply evidence that was used to verify accounts as accurate, was told by rep to contact the companies.

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 2025-12-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: LA

Complaint narrative:
This emotional toll has been very overwhelming. I have lost sleep, felt constant stress, and experienced the embarrassment of being turned away by landlords for something that I believe should not even be on my record. This has impacted not only me, but my ability to provide safe and stable housing for my family. This debt collector has taken actions I did not agree to and furnished an account that I never signed a legal agreement for. A legal contract requires XXXX signatures, and I did not participate in any such agreement. 

They did not follow the proper XXXX validation procedure required under the FDCPA, nor did they provide the documentation I requested. According to the FDCPA, I am entitled to compensation for these violations because they have violated my rights, ignored the law, and abused their privileges as a debt collector. I am requesting that this account be removed immediately due to their noncompliance and the damages I have suffered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: FL

Complaint narrative:
To Whom It May Concern. This letter serves as a formal request for the immediate deletion of fraudulent information appearing on my credit report, in accordance with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). 
Despite multiple disputes and the evidence I have previously submitted, this account continues to be reported, which constitutes a violation of federal law. 
Enclosed you will find a copy of my Identity Theft Report issued by the Federal Trade Commission, FTC Report Number : XXXX. 
As required under 15 U.S.C. 1681c-2, once an identity theft report is provided, a credit reporting agency must block the disputed information within four ( 4 ) business days. You have failed to meet this obligation. 
The account that must be immediately removed is : XXXX - XXXX This account does not belong to me and is the direct result of identity theft. Other credit bureaus have already deleted it after being unable to verify its legitimacy. The furnisher has failed to produce any signed agreement or verifiable documentation for over 60 days, confirming that this account can not be validated. 
However, EQUIFAX continues to report it, knowingly allowing inaccurate and harmful information to remain on my file. 
Your failure to remove this fraudulent account has caused ongoing financial and personal harm, including credit denials and the inability to move forward with essential financial goals such as home ownership. 
This situation is both unacceptable and unlawful. 
I am demanding that you immediately block and delete this fraudulent account from my credit report. 
If this issue is not resolved promptly, I will proceed with filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General for your continued noncompliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Failure to Provide Verification - Formal Request for Method of Verification FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) & 611 ( a ) ( 7 ).

To Whom It May Concern : I am writing in response to your recent CFPB response dated XX/XX/XXXX, in which you stated : " Verified as reported '' and " Active dispute. '' You closed the investigation without providing any proof, documentation, or method of verification, despite my explicit written request. This is a violation of the Fair Credit Reporting Act. 
You Have NOT Verified Anything Under FCRA 611, if a consumer disputes information, you must conduct a reasonable reinvestigation, contact the furnisher, obtain actual records, and provide the consumer the results and the documents relied upon. Simply marking an account as " verified '' is NOT verification without documentation proving accuracy. 
FORMAL DEMAND : METHOD OF VERIFICATION Pursuant to FCRA 611 ( a ) ( 7 ), I am demanding the full and detailed method of verification, including : XXXX. How each account was verified XXXX. The name, address, and phone number of each furnisher contacted XXXX. The documents obtained from furnishers XXXX. Copies of any contracts, billing records, assignment records, or ownership documents used to verify XXXX. The date and time of verification XXXX. The name or ID of the TransUnion agent who performed the investigation ACCOUNTS IN QUESTION XXXX. XXXX XXXX XXXX - Account Ending XXXX No documentation proving accuracy was provided. 
XXXX. XXXX XXXX XXXX - Acct XXXX No proof of ownership, chain of title, or assignment was provided. 
XXXX. XXXX  XXXX XXXX - Acct XXXX Still marked " active dispute, '' indicating no completed verification. 
Required Action Under FCRA You are required to provide the full method of verification within XXXX  days or delete any item you can not properly verify with documentation. 
Failure to comply will result in escalation through : - A new CFPB complaint for failure to verify - A complaint with the Florida Attorney General - Potential private legal action for violations of FCRA 611, 607 ( b ), and 623 ( a ) I expect your full response and documentation within the time allowed by law. 
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 2025-12-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: NJ

Complaint narrative:
NOT A DUPLICATE! I am filing a complaint against Cash App. I purchased XXXX pumps from The XXXX XXXX listed as a ( womens ) size XXXX, as listed. However, the item I received is a XXXX. It was also listed as being in good condition. The condition is fair. There is SIGNIFICANT wear to the soles. This is a material misrepresentation of the product. 
I contacted The XXXX immediately after delivery and provided photos documenting the size discrepancy. I also noted that the condition did not match the listing. I communicated this in writing on XX/XX/XXXX. Twice, since I followed up. They never responded. I called twice and after waiting an hour to speak to someone, their excuse was that I should be able to fit since its half a size but I could return it at a loss. Despite the clear merchant error, The XXXX attempted to charge me a return shipping and processing fee of {$15.00}. This fee would deducted from my refund even though the reason for return was the companys mislabeling of the product. I refused and they went silent. 
It is inappropriate to try and charge a return fee when they are responsible for the discrepancy! 
I finally tried to dispute with Cashapp and they refused to pursue it past XXXX  days even though I have had no luck with the months Ive been arguing with The XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Imperial Recovery Consultants, LLC
State: CO

Complaint narrative:
XXXX XXXX closed XXXX of my accounts and sold it to Imperial. Imperial has only contacted me via phone and left rude voicemails. Imperial says Im being charged on XXXX accounts and XXXX being fraud. I was unaware nonpayment was fraud. I contacted them back, as my research says the number was a possible scam, and they threated to come to my home, to take me to court, offered no resolution and no payment plan on approximately {$2000.00} or more saying I would also pay court costs for Imperial added to the {$2000.00}. My debt was never intentionally neglected. I also never received mail paperwork or anything written. The lady on the phone raised her voice over me and tricked me into saying my full social security number and questioned me about my SSN because she did not think the numbers I gave her were correct but proceeded to argue and yell at me on the phone. I asked for a resolution and she said there was none and I would not be able to buy a home, a car, rent anything, or purchase anything when they were done with me. I recorded the phone call and I called XXXX as well who kept directing me to multiple other phone numbers to try to resolve with no resolution ultimately. The lady on the phone from imperial told me I would have someone come to my home and they would forcefully take or mail me paperwork to go to court. I am afraid for my safety and I believe this is a scam of some kind. I did try to resolve with XXXX first but I had no luck.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-04 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: SC

Complaint narrative:
Dear Sir/Madam, I am submitting this complaint to address inaccuracies on my credit report with the major credit bureaus : Equifax ( EQ ). Below are the accounts that I am disputing, along with the specific discrepancies I have identified. 

Charged-Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3900.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$270.00} Inquiries : XXXX Date XXXX XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payments : XXXX Account Number : XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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:
These are inaccurate items. They show as late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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 ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
This complaint is a continuation of a previous CFPB complaint ( XXXX ) that was closed without resolving the issue. Capital One is still inaccurately reporting monthly derogatory marks on an account that was closed and charged-off on XX/XX/year> and later paid in full through wage garnishment by XXXX XXXX XXXX 
Because the account was closed and transferred, Capital One can not continue reporting new late payments or delinquency codes after XX/XX/year>. This ongoing reporting is factually inaccurate and violates FCRA 623 ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: AL

Complaint narrative:
I am filing this complaint because [ XXXX / XXXX  XXXX TransUnion ] has willfully ignored its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within XXXX days, did not delete unverifiable information, and has not provided results. This violates XXXX and XXXX ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in XXXX XXXX XXXX, XXXX ( XXXX ), the court held inaccuracies must be corrected whether factual or legal ; in XXXX ( XXXX ), the Supreme Court reaffirmed broad FCRA liability ; and in XXXX XXXX TransUnion ( XXXX ), TransUnion paid {$23.00} XXXX after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. 

Accounts to Be Deleted : === CHARGE OFF === XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I made an online payment on XX/XX/25 for my Nordstrom credit card to pay off my balance. However, unbeknownst to me, Nordstrom issued the payment XXXX  through the phone ( XXXX payment ), and my online payment. I did not make the phone call and its not on my call logs. The payment posted twice to my bank account, so essentially either someone, possibly a computer or the Nordstrom system made an unauthorized payment. When I contacted customer service on XXXX separate occasions about this, they were condescending and tried to undermine my intelligence. To summarize, Nordstrom essentially stole money from me and the associates were extremely rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Capital One is attempting to collect an alleged debt but has failed to provide the legally required validation under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

On XXXX occasions, I requested formal debt validation in writing. In response, Capital One only sent A full itemized accounting of charges, payments, fees, and interest that did not include : A copy of the original signed contract or application Proof that the amount they claim is accurate Proof that the alleged debt is within the statute of limitations Because they did not provide this information, the alleged debt remains unvalidated. 

Attempting to collect or report a debt without first validating it violates federal law. I am requesting that the CFPB review Capital Ones failure to properly validate this alleged debt and require the company to take corrective action.

I have attached my debt validation request letter, Capital Ones  insufficient response, and a detailed complaint summary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: CA

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I am filing a complaint against Synchrony Bank regarding a fraudulent PayPal Credit account that has been reinserted into my credit report even though Synchrony has already admitted in writing that they can not verify the account. I am an identity theft victim, and Synchronys actions have caused continued and unlawful damage to my credit. 

On XX/XX/year>, Synchrony Banks Fraud Solutions Department sent me a letter in response to my fraud dispute. In that letter, Synchrony stated : They are unable to provide a copy of the original application for the PayPal Credit account. 

They can not produce any documentation showing that I opened or authorized this account. 

This letter is attached to this complaint as evidence. 

Because Synchrony could not verify the account, the PayPal Credit account was removed or suppressed from my credit report. However, despite having no proof that I opened the account, Synchrony later reinserted this fraudulent account back onto my credit file through Experian. 

I never received any required reinsertion notice from the credit bureau. Under FCRA 611 ( a ) ( 5 ) ( B ), when an account that was previously deleted is reinserted, the credit reporting agency must provide written notice within XXXX business days explaining : That the item has been reinserted, The furnishers certification of accuracy, and A description of the reinvestigation. 

I received no notice, and no certification can legally exist because Synchrony has already confirmed in writing that the account can not be verified. 

By continuing to furnish information for an account that they can not validate, Synchrony is violating : FCRA 623 ( a ) ( 1 ) ( A ) furnishing information they know or should know is inaccurate, FCRA reinsertion provisions, since the account should not be reinserted without verification, Identity theft protections, because furnishers must stop reporting fraudulent accounts when they can not confirm ownership. 

Synchrony is knowingly reporting a fraudulent account that they have admitted they can not verify. The reinsertion of this account has severely harmed my credit, caused financial distress, and continues to misrepresent my credit history despite clear evidence of identity theft.

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