vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Concord Servicing Corporation
State: FL

Complaint narrative:
I am filing this complaint against XXXX XXXX which is reporting a {$630.00} collection account to the credit bureaus under my name. I have no knowledge or record of any debt associated with this company, and the credit report falsely lists Blackwell Recovery as both the original creditor and the collection agency. 

The account was allegedly opened on XX/XX/year>, which does not correspond with any credit, loan, or service I have ever had. No validation, contract, or documentation has been provided to prove this debt is mine. 

This constitutes false, deceptive, and unverified debt reporting and violates multiple federal consumer protection statutes. 



Violations of Federal Law 1. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

1692e ( 2 ) ( A ) : Prohibits false representation of the character, amount, or legal status of any debt.

1692e ( 8 ) : Prohibits communicating or threatening to communicate false credit information.

1692d : Prohibits conduct that harasses, oppresses, or abuses consumers in connection with debt collection.

1692g ( b ) : Requires debt collectors to cease collection and provide verification of the debt upon consumer request. 
1692f : Prohibits unfair or unconscionable means to collect a debt, including reporting unverifiable debts to credit bureaus. 

XXXX. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1681s-2 ( a ) ( 1 ) ( A ) : Prohibits furnishers from reporting information they know or should know is inaccurate.

1681s-2 ( a ) ( 2 ) : Requires prompt correction and update of any reported information found to be inaccurate.

1681s-2 ( b ) : Requires furnishers to conduct a reasonable investigation when a consumer disputes an account.

1681c : Limits inclusion of negative information that can not be verified or is outdated. 

XXXX. Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 Prohibits unfair, deceptive, or abusive acts or practices ( UDAAP ) in connection with consumer financial products or services. 
XXXX XXXX behavior constitutes a deceptive and abusive act by attempting to collect or report a debt without verification or transparency. 

XXXX. Telephone Consumer Protection Act ( TCPA ), 47 U.S.C. 227 If any phone contact was made using automated dialing systems or prerecorded messages without consent, this violates the TCPAs restrictions on unsolicited calls to cell phones. 

XXXX. Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) Prohibits unfair or deceptive acts or practices in or affecting commerce. 
Reporting or attempting to collect a false or unverified debt meets this definition.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I have identified several instances of fraud on my account for the year XXXX. I began a new debit card account in XX/XX/XXXX. However, I have been with the card company for several years under different card numbers. I would like to get an accounting summary of XXXX card purchases to rule out fraud during this time period. However, the card company is saying they do not keep records once an account is closed ; which appears to be in conflict with United States XXXX and XXXX XXXX XXXX  XXXX.

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

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-11 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: TX

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-11-11 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Radius Global Solutions LLC
State: AL

Complaint narrative:
XXXX came in at XXXX central. They refused to allow for call screening to announce who was calling from a number that was not in contacts on my XXXX. When I called back they said that they were a financial service implying they were a bank or other financial institution. When asked if they were a debt collector to protect my privileged information from a potential scam, I was repeatedly told they were a financial service company.

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 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: KS

Complaint narrative:
On XX/XX/XXXX I requested a check to mail for my rent of {$2700.00}. On XX/XX/XXXX I was notified that my Landlord had not received the check. I called Chime and had the check cancelled. They first told me XXXX business day then said it would be the end of the day on XX/XX/XXXX and finally the end of the day on XX/XX/XXXX. Days came and went but the funds were never returned to my account. Each time I call I get a different answer but never a resolution. As a result I am being evicted and can't pay the amount I owe because Chime is not giving back the funds even though they have confirmed multiple times the check did not cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am a victim of identity theft. Several accounts have been fraudulently opened and are being reported on my credit report without my authorization. While I was traveling, I lost my laptop, phone, wallet, and all my identity documents which led to unauthorized individuals gaining access to my personal information and opening these accounts in my name WFBNA CARD 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 2025-11-11 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: MD

Complaint narrative:
I am filing a dispute for the following accounts on my Equifax credit report that I believe are inaccurately reported or in error : Charged Off Accounts : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$180.00} XXXX XXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$260.00} XXXX XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$950.00} XXXX XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} Unauthorized Collection Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$740.00} XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX  Date : XX/XX/XXXX Late Payments : XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX

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

Complaint narrative:
I strongly disagree with the inaccurate information that remains on my credit report despite your previous investigation. I had previously submitted a letter requesting documented proof that the accounts and inquiries youre reporting are accurate, properly verified, and legally validated. To date, I have not received any response or supporting documentation from your end. 
I've been doing some research and I've been finding your agency to be in violation. You failed to conduct an investigation wherein FCRA section 611 states that you are required to conduct a reinvestigation when a consumer disputes information, aside from that you had XXXX days to complete your reinvestigation 45 days at maximum. 
XXXX - XXXX reporting 's accuracy is under question. Why does it appear that this account is not disputed on the account status when I had already disputed it? 
Shouldn't all the bureaus be reporting the same date of last activity? Why are they different? Why are they years apart? I am asking your agency to report only the accurate information and remove this on my credit report. 
XXXX  - XXXX15 USC 1666 USC 1666B 12 CFR, 1026.13- Billing Error- Late payments.This late payment might have just been incorrect and your agency reported without even verifying it. You need to look into this account to verify every single information and to see if this account is verifiable. I need ALL the documents associated with this account. On top of that, I DEMAND AN IMMEDIATE UPDATE ON THIS ACCOUNT, CORRECT THEM AS SOONER. 
BETTER HAVE RESULTS AFTER 30 DAYS! 
XXXXXXXX XXXX - XXXX 15 U.S. Code 1681i ( 5 ), inaccurate or unverified information must be removed from a credit report.I previously disputed this account due to several errors, but Ive received no proof that it was legally verified. The account shows a charge-off status, yet theres still a balance and past due amount being reported, which is not accurate. Also, the date the account was opened and the last payment date are shown differently in various parts of the report.Please remove this incorrect account from my credit file immediately. 
XXXX XXXX - XXXXUnder 15 U.S. Code 1681i ( 5 ), inaccurate or unverified information must be removed from a credit report.I previously disputed this account due to several XXXX of XXXX errors, but Ive received no proof that it was legally verified. The account shows a charge-off status, yet theres still a balance and past due amount being reported, which is not accurate. Also, the date the account was opened and the last payment date are shown differently in various parts of the report.Please remove this incorrect account from my credit file 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 non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: Activehours
State: PA

Complaint narrative:
On XX/XX/XXXX, XXXX transactions posted to my bank account ( posted not pending ). These were XXXX debits for XXXX each, totally XXXX dollars. These also incurred a XXXX dollar overdraft fee. I contacted earnin right away and they agreed there was a mistake on their end where their computer system incorrectly changed my bi-monthly payment to the XXXX, instead of the XXXX, as always. They apologized immensely, but continued to tell me they could not reverse or refund my bank until the payments posted. I provided them video and photos and balance documents from the bank showing the payments posted, and they refused to credit the account. I then filed with my bank, but it could be up to XXXX business days before I have any money in my bank account returned. I also revoked all access from Earnin to my bank account moving foward.

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

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA XXXX & XXXX, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-11-11 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:
After multiple disputes, the bureau is still in violation of FCRA XXXX & XXXX, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: DISCOVER BANK
State: IL

Complaint narrative:
immediately cease sending me notifications, solicitations, or communications through any third-party vendors, affiliates, or marketing partners. 
Under the Gramm-Leach-Bliley Act ( 15 U.S.C. 68016809 ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I have the right to limit the sharing of my personal information and to opt out of receiving third-party marketing or communications not directly managed by your company. 
Please consider this letter as my formal opt-out notice. I request : That my personal information not be shared, sold, or transferred to any non-affiliated third party for marketing or notification purposes ; and That all communications and account notifications be sent directly and exclusively by your company using your internal systems only. 
Pursuant to federal privacy law, I expect written confirmation that my opt-out request has been processed within 30 days of receipt of this letter. 
Thank you for your prompt attention to this matter.

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

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. CXX/XX/XXXXe XXXX ( XXXX ) and 15 U.S. CXX/XX/XXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXX/XX/XXXXe XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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

Complaint narrative:
I have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I purchased a vehicle from XXXX. I returned it with a return alignment the financial lender XXXX is the XXXX who financial the vehicle, but I no longer have the vehicle in my possession. It was returned over a week ago, and I have reached out to them and tried to get them to report it correctly and they have not

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 2025-11-11 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: NY

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

XXXX XXXX Account Number : XXXXXX/XX/XXXXXX/XX/XXXX XXXX Account Number : XXXXXX/XX/XXXXXXXX XXXX Account Number : XXXXXX/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 explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I applied for Care Credit card and was approved for {$8100.00}. I was making my payments then I saw that I was charge for some insurance on the card which I did not authorize for {$1000.00}. I after several attempts to request they take the fee off, they did. After two months, I saw my credit card limit was reduced to {$7000.00}. I was not notified of the reduction of my credit limit and I see no reason why it was reduce as I was making regular payments. This move by Care Credit is an unfair practice. I have asked for a reason why my credit was reduced after taking off the charge of unnecessary insurance I did not request.

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 2025-11-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS. 
EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA. 
BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING. 
THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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:
I am a victim of identity theft, and my TransUnion credit report contains fraudulent information. This complaint is based on my credit report ( Ref # XXXX ) and my Identity Theft Affidavit. As a resident of Florida, the presence of this fraudulent information violates my rights under federal ( FCRA ) and state laws, including Florida Statute 817.568.

I have already sent a formal dispute letter to TransUnion, but this damaging information remains. The following items are fraudulent, and I demand their removal. I am disputing these unauthorized inquiries which I did not recognize or approve : Creditor : XXXX XXXX Date : XX/XX/XXXX Creditor : XXXX Date : XX/XX/XXXX Creditor : XXXX XXXX Date : XX/XX/XXXX Creditor : XXXX Date : XX/XX/XXXX Creditor : XXXX XXXX  Date : 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