vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 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:
I am formally disputing the late payment reported on my credit report. This entry is incorrect, as my records demonstrate consistent on-time payments. Its presence is unfair, damaging, and misrepresents my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Theyve taken {$4000.00} to {$6000.00} and have not removed the collections to improve me credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} Unauthorized Inquiries to Be Deleted : 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 2025-09-25 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: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-09-25 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: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I went to the gas pump and got {$6.00} in gas. There was a {$50.00} hold put on my account therefore I am out {$50.00} that I can not use. I can understand this being OK for an hour or so but its been almost a whole day overnight. I am unable to get gas for my car. I was told that theyre waiting for the transaction. I called the venue. The merchant called XXXX itself. They said its on the bank. I called the bank. Theyre telling me its the merchants fault. I just want my money back

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX  reported on XX/XX/XXXX my Capital One credit card account has been closed after being a customer of XXXX  years with no communication from the banker. I reached out to the banker to justify/get information the account on XX/XX/XXXX. It has been communicated from the banker the account have been closed for XXXX returned payments. Below are dates of my last payment and the returned payment I was not aware of due to a closed checking account from a result of fraud and me not being informed of the returned payments. There was no time or communication to rectify the account and there was no past due payment at the time. If this account was closed due to protection risk, why was no communication made about this as my credit and information is connected to this account so there was no protection for me just the bank. Therefore, it is to my understanding I was within the policies and rules to maintain the account. 
This is for card ending in XXXXXXXX XXXX XXXX XXXX XXXXXXXX applied and taken XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX made XX/XX/XXXX, XXXX {$50.00} Payment returned XX/XX/XXXX, XXXX {$100.00} Payment made XX/XX/XXXX, XXXX {$100.00} Payment returned XX/XX/XXXX, XXXX {$200.00} Payment made XX/XX/XXXX, XXXX {$200.00} Payment returned

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date XXXX XX/XX/year> TO : Capitol One credit card CERTIFIED MAIL / RETURN RECEIPT REQUESTED -- - NOTICE TO CEASE COLLECTIONS / CLAIMS Re : ALL CAPS Legal Entity XXXX XXXX -- XXXX XXXX. Secured Party Creditor Notice I, XXXX XXXX, a living man, am the XXXX XXXX XXXX over the legal entity XXXX XXXX ( ALL CAPS name ). I have previously issued formal notice asserting my secured party rights under the Uniform Commercial Code ( UCC ), Articles 1 and 9, and all applicable federal and state laws, including 28 U.S.C. 1746.

-- - 2. Demand to Cease Any and all collection efforts, claims, or adverse actions by : Capitol One, against the ALL CAPS entity XXXX XXXX or me, the living man, are hereby demanded to stop immediately. 

This includes, but is not limited to, debt collection, reporting to credit bureaus, liens, garnishments, or legal filings. 

All communications regarding any alleged obligations or claims must be directed to me, XXXX XXXX, Secured Party Creditor, in writing.

-- - 3. Legal Authority This demand is made pursuant to : Uniform Commercial Code ( UCC ) Articles 1 & 9 UCC 1-308 / 1-103 ( Reservation of Rights ) 28 U.S.C. 1746 ( Declaration under Penalty of Perjury ) -- - 4. Effect of Noncompliance Failure to comply with this notice may result in legal action to enforce my Secured Party Creditor rights, including claims for damages for unlawful collection or interference with my secured interest.

-- - 5. Effective Immediately This notice is effective as of the date above and remains in effect until explicitly revoked in writing by me, XXXX XXXX, XXXX XXXX XXXX. 


-- - Signed Declaration : I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. 

Executed this XXXX day of XXXXXXXX XXXX, at XXXXXXXX XXXX 

______________________________ XXXX XXXX, XXXX XXXX XXXX 28 U.S.C. 1746 Declaration I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. 

______________________________ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint against [ Credit Bureau Name ] for failing to maintain accurate and verifiable personal information in my credit file, in violation of the Fair Credit Reporting Act ( FCRA ). 

Incorrect Names : My legal name is XXXX XXXX XXXX. My credit report unlawfully lists variations of my name that do not belong to me. 

Incorrect Addresses : My current and only valid address is XXXX XXXX XXXX, XXXX XXXX, TX XXXX. My report shows outdated and inaccurate addresses that are not associated with me. 

These inaccuracies violate 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information.

Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), any unverifiable or inaccurate information must be promptly deleted from my file.

Supporting Documentation : Copy of government-issued ID ( with correct legal name ). 

Recent utility bill showing my current address. 

Requested Action : Immediate removal of all incorrect names and addresses from my credit file. 

Update my file to reflect only : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX Provide me with a corrected copy of my credit report. 

Failure to comply will be considered a willful violation of the FCRA and may result in further legal action.

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 2025-09-25 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: TX

Complaint narrative:
I am filing this complaint against [ Credit Bureau Name ] for failing to maintain accurate and verifiable personal information in my credit file, in violation of the Fair Credit Reporting Act ( FCRA ). 

Incorrect Names : My legal name is XXXX XXXX XXXX. My credit report unlawfully lists variations of my name that do not belong to me. 

Incorrect Addresses : My current and only valid address is XXXX XXXX XXXX, XXXX XXXX, TX XXXX. My report shows outdated and inaccurate addresses that are not associated with me. 

These inaccuracies violate 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information.

Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), any unverifiable or inaccurate information must be promptly deleted from my file.

Supporting Documentation : Copy of government-issued ID ( with correct legal name ). 

Recent utility bill showing my current address. 

Requested Action : Immediate removal of all incorrect names and addresses from my credit file. 

Update my file to reflect only : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX Provide me with a corrected copy of my credit report. 

Failure to comply will be considered a willful violation of the FCRA and may result in further legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have been a customer of Wells Fargo Bank for last XXXX  years and use their online banking feature frequently. I opened a XXXX  month Term CD ( Certificate Deposit ) account with Wells Fargo online in XX/XX/XXXX. The process was quick and simple, just transfer the amount and request an opening of CD, everything online. It was ready within XXXX day, with a maturity date set to XX/XX/XXXX. At the time of opening, it was mentioned that if I do not close on maturity date, the CD would automatically carry forward into a default 6 months term with the lowest available XXXX at that time, which I agreed upon. 

However, it was nowhere mentioned that for closing the same CD account at maturity date, it can not be done online and that I will have to personally go to a Wells Fargo branch and close it. I couldn't go since the closest branch to me is XXXX miles away. I requested to close the CD over phone but they wouldn't close citing the same reason. Now, the renewed CD is set to mature in XX/XX/XXXX and I am afraid the same thing will happen again. I need that money and want to close my account, today. 

It shouldn't be so difficult to close your own CD account or to use your own money in the bank when needed. This is the breach of trust I placed in Wells Fargo and I am not going to do that again. All I want is to close this CD account and get my money back. 

I hereby urge Wells Fargo to kindly do the needful. 

Thanks you!

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 2025-09-25 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I purchased a massage chair from XXXX XXXX at the state fair on XX/XX/year> using my Synchrony account in the amount of {$5900.00}. The item delivered on XX/XX/year> was not the chair I ordered, and I was not home at the time of delivery. My husband signed for the item without my authorization. I would have refused delivery if I had been home. 

I immediately attempted to return the item. I contacted my sales representative via text ( our regular communication method ) with no reply. I then tried multiple channels ( calls, texts, and emails ) and still received no response : -Texted my sales rep multiple times on XX/XX/year> ( read receipts show delivered and read ) with no reply. 

-Called XXXX XXXX customer service on XX/XX/year> and XX/XX/year> both times I was directed to text instead of receiving live help. 

-Texted XXXX XXXX customer service on XX/XX/year> ( case # XXXX ) and XX/XX/year> ( case # XXXX ) both went unanswered. 

-Called a XXXX XXXX storefront on XX/XX/year> for assistance. They referred me to the manager of the fair sales team, who also never responded. 

Because the retailer would not engage, I filed a billing dispute with Synchrony. I made it clear that I was willing to pay any applicable return or restocking fees, but the retailer ignored all attempts to resolve the matter.

I disputed the charge with Synchrony twice, providing documentation of my attempts to return the item. Both disputes were denied. Synchrony has not provided adequate explanation or resolution under the Fair Credit Billing Act. 

I am now left with nearly a {$6000.00} charge for an item I neither ordered nor agreed to keep. XXXX XXXX refuses to communicate with me, and Synchrony continues to deny my disputes despite clear evidence that I acted in good faith.

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 2025-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-09-25 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: TX

Complaint narrative:
Dear Transunion Fraud Department, I have included the copy of my Identity Theft report for your reference. I hope you are to consider my request to have the unauthorized inquiries listed below to be remove immediately. 

List of Fraudulent accounts : ACCOUNT NAME : XXXX XXXX XXXX Reason : FXXXX XXXX XXXX XXXX  XX/XX/year> Never authorized XXXXXXXX XXXX XXXXXX/XX/year> Never authorized XXXX XXXX XXXX XXXX Never authorized XXXX XXXXXXXX XXXX XXXX Never authorized XXXX XXXX XXXX XXXX XXXX  Never authorized

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 2025-09-25 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: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: IL

Complaint narrative:
I am submitting this complaint with absolute certainty and deep frustration. My credit report contains numerous errors that I can no longer ignore, as they have been negatively impacting both my life and my credit score. These inaccuracies have created serious obstacles, preventing me from achieving the financial stability and freedom I am working toward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
IC SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research IC SYSTEM INC 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 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 2025-09-25 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 writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof. 
I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$590.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} Unauthorized Inquiries to Be Deleted : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
Unauthorized access to my credit report by several companies has directly damaged both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honored, and the inquiries remain. This failure to act is unacceptable. The continued presence of these fraudulent entries is deeply concerning and strongly indicates possible identity theft. This unresolved issue is causing ongoing emotional and financial harm.

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