vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
In XX/XX/year>, I attempted to make payments using methods explicitly authorized in my Cardmember Agreement. The agreement states : " You may pay by check or a single negotiable instrument clearable through the U.S. banking system, for example a money order ... If your payment meets the above requirements, we will credit it to your Account as of the day we receive it. '' Between XXXX and XX/XX/year>, I submitted over XXXX payments using negotiable instruments via registered mail with confirmed delivery. Each payment met all contractual requirements and was properly formatted. The company systematically rejected these payments, claiming they were " modified coupons '' despite contractual authorization. 

In subsequent communications, the company listed acceptable payment methods but omitted " negotiable instruments '' entirely, contradicting their own contract terms. They continued collection activities while refusing to process contractually-valid payments. 

On XX/XX/year>, I filed arbitration seeking enforcement of the contract terms. In response, the company closed my account in XX/XX/year>, citing " abuse of dispute process in good faith. '' I had initiated no manual disputes - the referenced " disputes '' were automated system responses to my contractual payment submissions. 

Despite closing my account, the company has continued collection activities throughout the pending arbitration proceedings. This violates 12 CFR 1026.13 ( d ) ( 3 ), which prohibits closing accounts solely because consumers exercise billing rights in good faith. 

The company refuses to process payments they contractually agreed to accept while maintaining adverse credit reporting. This systematic pattern of refusing valid payments while continuing collection appears designed to harm consumers who attempt to use contractually-authorized payment methods. 

I seek processing of all submitted payments per contract terms, cessation of collection activities, account reactivation, and correction of adverse credit reporting caused by their contractual non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: FL

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX LL Account Name XXXX : Account number Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX, XXXX, resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
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 explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
A written notice was sent to all creditors and credit reporting agencies to adhere to the notice at hand on XXXX XXXX Subject : Formal Dispute - Immediate Removal of Collections/Charge-Offs, Student Loan Updates, and Cease & Desist Negative Reporting To Whom It May Concern : This letter serves as a formal dispute of derogatory information currently reported on my credit file, including collections, charge-offs, and inaccurately documented student loans. I request the following corrections based on my attached private contract records and supporting UCC1 filings ( UCC # XXXX, XXXX XXXX, filed XXXX XXXX : XXXX. Remove all collections and charge-off accounts. XXXX. Update all student loans to " Paid as agreed ''. XXXX. XXXX Account # XXXX : Show balance as XXXX and status as " Paid as agreed '' per my private contract records. XXXX XXXX XXXX Account # XXXX : Show balance as XXXX and status as " Paid as agreed '' per my private contract records. This notice is provided pursuant to the following Fair Credit Reporting Act ( FCRA ) provisions : - 15 U.S.C. 1681i ( a ) : Reinvestigation and deletion of unverifiable or erroneous data. - 15 U.S.C. 1681c ( a ) : Timely removal of adverse information. - 15 U.S.C. 1681s-2 ( b ) : Duty of furnishers to correct information. - 15 U.S.C. 1681b : Limits on permissible uses of consumer data. - 15 U.S.C. 1681n, 1681o : Civil liability for violations. You are required to block and update these items within four ( 4 ) business days from receipt of this letter. Failure to cease and desist all negative reporting will result in formal complaints to the Attorney General 's Office, Secretary of State, FTC, and CFPB for investigation and potential enforcement. Please provide written confirmation once the updates and removals have been completed in accordance with statutory requirements and my attached documentation. Sincerely, XXXX XXXX XXXX ( last XXXX digits ) : XXXX ] Attachments : - UCC1 Financing Statement / Private Contract ( File # XXXX XXXX XXXX XXXX ) Additional Account Instructions : - XXXX Account # XXXX : Balance XXXX, Paid as agreed - XXXX XXXX Account # XXXX : Balance XXXX, Paid as agreed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge 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: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
On XX/XX/25, a charge appeared for {$230.00} for XXXX on my SoFi credit card. I disputed the charge and received a conditional refund. The charge was later posted back to the account on XX/XX/25. I contacted the fraud dept and could not reach anyone and had to leave messages each time. I reached out via email and was told a letter was sent out ( which I did not receive ) asking for additional info. I was told I could reopen the investigation by providing the info via email. I received a follow up email advising me that the merchant was actually XXXX XXXX. This appears to be a barber shop over XXXX hours from my home. On XX/XX/25, I advised them I have never been there or heard of the merchant. I have not heard back from them. I followed up several more times to no avail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-02 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: TX

Complaint narrative:
Several companies have pulled my credit report without my permission, and this has directly harmed both my credit and my score. I previously contacted TransUnion, and a representative assured me that these inquiries would be removed. However, they are still appearing on my report. These unauthorized and fraudulent inquiries are causing me significant XXXX, especially with the concern that I may already be a victim of identity theft. On top of the unnecessary stress, they continue to damage my credit standing.

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 2025-09-03 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:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: FL

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible. 

In accordance with the FDCPA, specifically Section 809 ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide me with verifiable proof that this debt belongs to me. 

I appreciate your prompt attention to this matter and look forward to your response in accordance with the FCRA and FDCPA.

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 2025-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I received a letter from United Collection Bureau , Inc. ( UCB ) regarding an alleged XXXX account ending in XXXX. I had previously sent UCB a formal debt validation request under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ). Instead of providing proper validation, UCB only sent me billing statements generated by XXXX along with a generic cover letter. 

This response does not constitute legal validation of the debt. Proper validation requires the original signed contract, a complete chain of title or assignment demonstrating legal ownership of the alleged debt, and a detailed accounting of how the balance of {$16000.00} was calculated. None of this was provided. 

By continuing collection activity without proper validation, UCB is in violation of the FDCPA ( 1692g ( b ), 1692e, 1692f ). Furthermore, if they report or continue to report this account to any credit bureaus, they will also be in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ) by furnishing unverified and potentially inaccurate information. 

XXXX XXXX XXXX XXXX also bears responsibility as the original furnisher of the account. XXXX has failed to conduct a reasonable investigation under the FCRA ( 1681s-2 ( b ) ) after I submitted disputes. Both XXXX and UCB are attempting to collect a debt that has not been properly validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: MA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy and completeness of information being reported on my credit file concerning the following account : Creditor : Capital One Account Ending : XXXX Reported Status : Charged-off, delinquent history I recently received written correspondence from Capital One dated XX/XX/XXXX ( attached for your review ). In that letter, Capital One confirmed that one of my accounts ( ending in XXXX ) is no longer being reported to the Consumer Reporting Agencies ( CRAs ). However, they continue to report account ending in XXXX as delinquent despite inaccuracies and inconsistencies in the reported dates, balances, and history. 

Specifically : XXXX. The reported dates of delinquency and charge-off are inconsistent with my own records. 
XXXX. The payment history being reported is incomplete and misleading, failing to reflect the settlement payment I made on XX/XX/XXXX. 
XXXX. Capital Ones own correspondence admits to multiple reporting issues regarding my accounts. This raises doubt about the reliability and accuracy of their reporting of account XXXX. 

Under the Fair Credit Reporting Act ( FCRA ) 1681i, I am requesting that you reinvestigate this account. If Capital One can not provide proper documentation verifying each reported detail ( including dates of delinquency, balances, and payment history ), then this account must be deleted from my credit file, as was done with account ending in XXXX. 

Please provide me with : A description of how you verified this information, including the name of the individual and documentation Capital One provided. 
Written confirmation of deletion if Capital One can not fully verify the accuracy of this account. 

Enclosed are copies of the letter from Capital One and my identification for verification purposes. 

Thank you for your prompt attention. I look forward to receiving the results of your reinvestigation within the required 30 days. 

Thank you XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: NV

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-03 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: MO

Complaint narrative:
I am also filing this complaint against Discover Bank as the furnisher of this false and contradictory information. 
Discover reported the account as charged off in XX/XX/XXXX with {$1800.00} written off. 
Yet Discover continues to furnish data indicating that {$1900.00} remains past due as of XX/XX/XXXXXXXX 

This is a blatant misrepresentation of the character, amount, and legal status of the debt. 

Violations by Discover Bank 1. FDCPA 807 ( 2 ) ( A ), 15 U.S.C. 1692e ( 2 ) ( A ) : Prohibits any false representation of the character, amount, or legal status of a debt. Reporting a debt as both written off and still past due violates this provision. 
2. FDCPA 807 ( 10 ), 15 U.S.C. 1692e ( 10 ) : Prohibits any false or deceptive means to collect a debt. By continuing to furnish false data, Discover is misleading both me and potential creditors.

3. FCRA 623 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers may not provide information they know, or should know, is inaccurate. Discover knows this debt can not be both charged off and past due, yet continues reporting it. 
4. FCRA 623 ( a ) ( 5 ), 15 U.S.C. 1681s-2 ( a ) ( 5 ) : Prohibits improper re-aging of delinquent accounts. Discovers furnishing of past due as of XXXX XXXX is an unlawful re-aging of a XXXX XXXX.

5. FCRA 623 ( b ), 15 U.S.C. 1681s-2 ( b ) : Requires furnishers to investigate disputes and correct or delete inaccurate information. Failure to do so constitutes a federal violation. 
6. Case Law Precedents XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Court held that a furnisher who continues reporting disputed information without correction XXXX be liable under FCRA. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Confirms that furnishers have a duty to investigate and correct misleading reporting. 

Consumer Harm Discovers false furnishing has : Artificially extended the derogatory status of this account beyond the legal period. 
Created the illusion that I am still delinquent in XXXXXXXX 
Deprived me of fair credit opportunities, housing opportunities, and favorable loan terms. 
Caused direct economic and reputational harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: AZ

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX received from XXXX XXXX XXXX, XXXX a {$34000.00} check because XXXX XXXX XXXX XXXX XXXX endorsed the check to me. I deposited the check into my Chase Bank account Number XXXX After works the funds were retained by the Chase Bank and after my account was canceled by Chase Bank on XX/XX/year> 2024

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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