vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I was charged my {$290.00} payment twice, resulting in a negative balance. Company 's website will not submit message as instructed and their XXXX  chatbot will not transfer me to an agent. Telephone support was unable to be understood.

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 monetary relief
Consumer complaint received 2025-12-15 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:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts XXXX XXXX XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7400.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payments XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I rented a car last XX/XX/XXXX, on my vacation time with a family travel to XXXX in XXXX XXXXXXXX XXXX. At the moment of the rent we did 2 transactions, the first one for the payment of the car rent and the second one for a pre-authorization ( warranty ) of the amount of {$7200.00} soles ( Peruvian currency ) in case the car would have an accident or any damaged so the merchant could get the money from there. According with the contract that transaction ( the second one ) will refund after 45 days of the day of the return of the car rented. I returned the car rented on XX/XX/XXXX. They sent me an e-mail on XX/XX/XXXX, confirming the everything was OK with the car rented and with the refund, so I uploaded this document but for American Express I think its not enough. I contacted the merchant letting them know about this situation too many times since last XX/XX/XXXX, until now. The only way I can contact the merchant is XXXX text messages. I did the transactions in the office so the people working there knows about my case and the address and phone number are in the contract that I uploaded last XX/XX/XXXX. American Express is investigating with merchant corporate office because I received a letter with my signature saying that both charges are Ok, but the second transaction was supposed to be a pre-authorization charge ( warranty-hold ). I have been disputing this transaction because I never spent that money. I uploaded all documents I have for that car rent there is no other documentation beside this letter. Few days later I called customer service about the dispute, they told me that it was closed because in the invoice description said LAPTOP GIGABYTE XXXX UHD so the description no match with the car rent I was claiming so I called again the merchant and let them know about this mistake so the merchant fixed the invoice for me and then provided it to American Express. After that American Express took the time to investigate the new fixed invoice. Again, American Express closed the dispute. 
I am tired of this situation going to merchant and American Express back and forth several times, I also travelled to XXXX last XX/XX/XXXX to fix this issue personally.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: IA

Complaint narrative:
This complaint concerns Caine & Weiner, a third-party debt collection agency, and its continued attempts to collect an alleged debt they claim is owed to XXXX XXXX XXXX XXXX  in the amount of {$77.00} ( XXXX XXXX XXXX Account No. XXXX ). 

I formally disputed this alleged debt and requested validation under the Fair Debt Collection Practices Act ( FDCPA ). In response, Caine & Weiner mailed documents dated XX/XX/year>, which did not constitute proper legal validation. 

On XX/XX/year>, I sent Caine & Weiner a written notice explaining that their response failed to meet the requirements of 15 U.S.C. 1692g ( b ). Specifically, Caine & Weiner failed to provide : A signed contract or agreement bearing my signature Proof of ownership or assignment of the alleged debt, including a chain of title A full itemization showing how the alleged balance was calculated Evidence that the alleged debt is accurate, owed by me, and legally enforceable The only documents provided were a generic insurance policy summary and a billing statement generated by XXXX. These documents do not prove that I owe the alleged debt, do not establish that Caine & Weiner has legal standing to collect, and do not demonstrate that the alleged balance is accurate or based on verified business records. 

Despite this failure to validate, Caine & Weiner has continued collection activity. Continuing to attempt collection or reporting without proper validation violates federal law, including : FDCPA 1692g ( b ) continuing collection activity without providing verification FDCPA 1692e false or misleading representations regarding the legal status of an alleged debt FDCPA 1692f unfair or unconscionable collection practices FCRA 1681s-2 furnishing unverifiable or inaccurate information I instructed Caine & Weiner to cease all collection activity, delete the alleged account from any consumer reporting agencies, and provide written confirmation that the account is closed. I also advised them that continued activity would result in regulatory complaints. 

Caine & Weiner has not produced lawful validation and continues to pursue collection of an unverified alleged debt. This reflects a pattern of noncompliance with federal consumer protection laws. 

I am filing this complaint to request CFPB intervention to require Caine & Weiner to comply with the FDCPA and FCRA, cease all collection activity, and delete any reporting related to this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: IL

Complaint narrative:
Im beyond frustrated with the continued presence of false, damaging information on my credit report. These aren't minor oversights or accidental typosthey are substantial and harmful misrepresentations that continue to sabotage my financial progress and personal stability. Ive gone through the formal dispute process in good faith, hoping the issues would be corrected responsibly, only to be met with silence and negligence. The failure to properly investigate and resolve these errors has left me feeling ignored, disrespected, and financially punished for mistakes I did not make. As a consumer, I have a legal right under the Fair Credit Reporting Act to a credit file that is completely accurate and substantiated by real, verifiable documentation. It is not my job to chase down proofIve done my part.

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 2025-12-15 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: NY

Complaint narrative:
I am disputing the following information on my Experian credit report : Charged-Off Accounts XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX  Reported Date : XX/XX/XXXX | Balance : {$0.00} XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX  Reported Date : XX/XX/XXXX | Balance : {$2500.00} XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX  Reported Date : XX/XX/XXXX | Balance : {$17000.00} XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX  Reported Date : XX/XX/XXXX | Balance : {$0.00} XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX Reported Date : XX/XX/XXXX | Balance : {$1000.00} XXXX  Account XXXXXXXX XXXX XXXX XXXX XXXX  Reported Date : XX/XX/XXXX | Balance : {$0.00} I dispute these accounts due to potential inaccuracies, XXXX-balance reporting, and lack of complete verification. If Experian can not provide proper documentation showing accuracy and completeness, these accounts should be removed or updated accordingly. 

Inquiries No inquiries are listed. Please verify that no unauthorized inquiries are associated with my Experian credit report.

Late Payments No late payments are listed. I request confirmation that no inaccurate late payment history is being reported.

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 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: CO

Complaint narrative:
I was speaking on the phone with an account manager at Sofi trying to add my wife as a joint user on my bank account. While on this call I asked the agent to delete a joint account that was newly created and had no funds in it, so that I could add my wife as a joint user on my existing account that was fully funded. The account manager then made a mistake and deleted all of my bank accounts. He submitted a " high priority '' ticket to get the issue resolved. This phone call took place on Saturday, XX/XX/2025 around XXXX ( MST ), and as of XXXX ( MST ) XX/XX/2025, I still do not have access to my funds or have any idea how this issue is going to be resolved. I have expressed the severity of this situation to them, explaining that I have direct deposits I am expecting from my employer as well as utility and loan payments that are due in 3 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-15 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: LEXISNEXIS
State: AL

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 explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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:
I am formally requesting the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are the direct result of a data breach that compromised my personal and financial informationan event entirely outside of my control. Despite repeated attempts to resolve these issues, I am still being forced to deal with the consequences of reporting failures that should have been addressed long ago. 

The continued presence of these incorrect and unauthorized entries, even after clear evidence of a data breach, is unacceptable. Your mishandling of my information is actively damaging my credit score, jeopardizing my financial security, and limiting my ability to access essential opportunities. I will not continue to tolerate this level of negligence. 

I demand that you immediately conduct a thorough investigation and permanently remove all erroneous information. Any further delay, inaction, or refusal to correct these items will be regarded as a direct violation of my consumer rights. If necessary, I will pursue all legal remedies available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your organization fully accountable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Pollack & Rosen, P.A.
State: NC

Complaint narrative:
Company refuses to cease and desist communication ( Calls several times a day ) or provide notice of collection/debt validation. Company is in violation of FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate information appearing on my credit report. I have previously disputed these items with the credit reporting agencies, but the inaccurate information continues to be reported. This reflects a failure to comply with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 
XXXX / XXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Reported Issue : Late Payment This account is being reported with late payment history that is inaccurate. I did not make late payments as reported. The payment history does not reflect my actual account performance. Under FCRA 1681e ( b ), you are required to report information with maximum possible accuracy. I am requesting a full reinvestigation and correction of the late payment history only. If the late payment history can not be verified as accurate, it must be corrected accordingly. 
XXXXXXXX XXXX  Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00} Reported Issue : Late Payment The late payment information being reported on this account is inaccurate. The payment history does not match my records. This is a clear accuracy issue under FCRA 1681i. I am requesting that the late payment history be reviewed, verified, and corrected to reflect accurate reporting. No deletion is requestedonly correction of inaccurate payment history. 
XXXX Account XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Reported Issue : Late Payment This account shows late payments that are not accurate. Reporting inaccurate payment history violates FCRA requirements for accuracy and reinvestigation. Please conduct a full reinvestigation and correct the late payment entries if they can not be verified as accurate. 
XXXXXXXX XXXX  Account XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$3500.00} Reported Issue : Late Payment The late payment history on this account is incorrect. The information currently reported does not accurately reflect my payment behavior. Under FCRA 1681e ( b ) and XXXX, I am requesting correction of the inaccurate late payment history after proper verification. 
XXXX XXXX XXXX Date : XX/XX/XXXX Duplicate or unauthorized inquiry. Please verify authorization and remove if it can not be validated under FCRA standards. 
XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I do not recognize this inquiry as authorized. Please investigate and remove if no permissible purpose exists. 
I am requesting CFPB assistance to ensure that the credit reporting agencies and furnishers comply with the Fair Credit Reporting Act by correcting inaccurate late payment histories and removing unauthorized inquiries that lack permissible purpose. 
I respectfully request that CFPB require these inaccuracies to be corrected and that written confirmation of the resolution be provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : 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 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 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 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 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 2025-12-15 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: GA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts 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 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 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 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
Date : XX/XX/year> Harris & Harris Ltd XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX Re : Account XXXX XXXX Validation Request To Whom It May Concern, This letter is sent pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. I dispute the abovereferenced debt and request full validation.

Please provide : 1. The name and address of the original creditor 2. The amount of the alleged debt with an itemized accounting 3. Copies of any contract, application, or agreement bearing my signature 4. Documentation showing your legal authority to collect and report this debt 5. The date of first delinquency Until such validation is provided, you must cease all collection activity and reporting. If you continue reporting without validation, you will be in violation of the FDCPA and FCRA. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: TX

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

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 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I was in XXXX  from XXXX XXXX until XX/XX/XXXX of XXXX upon release. I discovered that several of my credit cards have been maxed out and sold to collections. I did not use the cards therefore my cards were unauthorized use.

Company response to consumer: Closed with monetary relief