vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: MoneyLion Inc.
State: IL

Complaint narrative:
The company provides incentives to download games and play them reaching a certain level they will pay you in rewards and you can deposit it your virtual wallet owned by the company. On 3 separate occasions they didnt pay me as promised the instance was a game called XXXX XXXX contacted them after reaching the goal with stipulate time frame for bonus and not getting paid out. They advised it would take 3-5 business days to resolve it took 3 months which the bonus expired and they paid for the levels completed but not bonus of {$46.00}. The second instance was a game called XXXX XXXX their system registers some of the levels of completion but not all even though the level of competition are are higher than the ones not completed called the company requested open investigation once again said it would 3-5 business days it is now going on 7 business days. Once again bonus is involved and I am missing {$130.00}. The third instance is a game called XXXXXXXX XXXX XXXX like the second instance the reasoning dont add up register the higher but not the big ticket items. I am missing {$540.00} for that game. In total the company owes me {$720.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I discovered that I was added as an authorized user on a Sams Club credit card account issued by Synchrony Bank without my knowledge or consent. I did not authorize this, nor did I give anyone permission to add me to this account. 

I contacted the credit bureaus to dispute the account, but I am requesting that Synchrony Bank also remove me from this account and stop furnishing this inaccurate information to the credit reporting agencies. 

Under the Fair Credit Reporting Act ( FCRA ), information on my credit report must be accurate and verifiable. Since I never agreed to be added to this account, this reporting is both inaccurate and unauthorized.

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 2025-07-30 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: VA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: NV

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( XXXX & XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint due to Experians blatant disregard for the Fair Credit Reporting Act ( FCRA ) and their failure to properly reinvestigate and delete a collection account, despite direct written instructions from the furnisher to do so.

The account in question is a collection account reported by XXXX XXXX XXXX with a balance of {$1000.00} ( Account No. XXXX ). I disputed this account with Experian and later followed up by contacting the collection agency directly. In response, the company confirmed in writing on XX/XX/year>, that they had instructed the credit reporting agencies to delete the account. They also clarified that they are continuing to investigate the matter and can not control the timeline in which credit bureaus respond, but their instructions to delete the tradeline were clear and unambiguous. 
This response was shared with Experian along with clear documentationyet Experian failed to act and instead falsely stated that the account was verified. 
Let me be clear : * The furnisher has formally requested deletion. 
* Experian has received this communication and ignored it. 
* This is a direct violation of 15 U.S. Code 1681i ( Failure to reinvestigate ).

* This is also a failure to comply with 1681s-2 ( b ), which obligates the CRA to promptly delete or modify information based on the results of the furnishers investigation.

This account is still reporting as of XX/XX/year>, causing serious harm to my credit profile and financial opportunities.

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 2025-07-30 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: MN

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliphant United, Inc.
State: TX

Complaint narrative:
Oliphant USA LLC has reached out after 6months of reporting a debt collection to my credit report, today XX/XX/year> I received a letter in the mail about a debt I owe by a debt collection company stating that the debt is by XXXX XXXX 

I have a letter from XXXX XXXX stating that XXXX XXXX could not find my account. 

I would also like to ask about this debt being resolved due to XXXX and pay decrease and my loss of employment soon after. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
To Whom It May Concern : I am filing this complaint to report multiple unauthorized or excessive charges being withdrawn from my Capital One debit card, tied to my checking account. Despite canceling or not having access to these subscriptions, charges continued monthly, and in some cases, multiple times per month. I have not received any services from these merchants nor authorized these payments. 

Below are the merchants and billing issues : XXXX XXXX XXXX XXXX XXXXXXXX Canceled during trial, yet still charged from XXXX through XX/XX/year>. 

I do not have access to the account to cancel. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Free XXXX trial canceled on Day XXXX. 

Still charged from XXXX through XX/XX/year>. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Charges from XXXX to XX/XX/year> without any usage or access. 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX Monthly charges despite no recent usage. 

Can not access the accounts to unsubscribe. 

XXXXXXXX XXXX {$29.00} ( charged multiple times/month ) Charged several times monthly when the service should only charge once per month. 

Suspected billing duplication or abuse. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Never authorized or signed up for this service. 

Charges appeared without my consent or enrollment. 

Requested Action : Immediately refund all unauthorized or excessive charges.

Block these merchants from future debits to my Capital One checking account.

Require Capital One to investigate these transactions and report improper billing practices. 

These charges have caused financial and emotional stress, and I have not been able to resolve this directly with the merchants due to lack of account access. I request the CFPBs assistance to ensure this is properly handled and resolved. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: PA

Complaint narrative:
Per 15 USC 1681 ( b ) I did not give written consent permissible purpose in my wet signature to obtain or furnish my consumer report. No consent is fraud. I did not authorize the listed accounts or inquiries to report to my consumer credit reports. Block & remove the accounts and inquiries immediately. XXXX XXXX-2024, XXXX XXXX XXXX2024, XXXX XXXX XXXX XXXX-2024, XXXX XXXX XXXX2024, XXXX  XXXX  XXXX2024, XXXX XXXX-2024, XXXX  XXXX  XXXX-2024

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 2025-07-30 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: PA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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:
I am submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownershipXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NV

Complaint narrative:
ubmitting this statement to formally report unauthorized activity concerning the handling and reporting of my personal and financial information by various entities, including credit reporting agencies and creditors. 

Upon reviewing my credit report, I discovered that multiple credit card companies and data furnishers have shared and reported personal and account-related information to the credit bureaus ( XXXX XXXX XXXX ) XXXX my explicit written or verbal consent, which is a clear violation of several federal consumer protection laws and provisions of the Uniform Commercial Code ( UCC ). 

Violations Cited : Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX This statute restricts the circumstances under which a consumer reporting agency XXXX furnish a consumer report. Under XXXX ( a ) ( XXXX ), a consumers written instruction or consent is required unless specific permissible purposes apply which I have not authorized in writing or verbally. 

Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX XXXX XXXX, it is unlawful to use any false, deceptive, or misleading representation in connection with the collection of a debt, which includes inaccurately reporting negative items, such as unauthorized late payments, on a consumers credit report. 

FTC 's Published XXXX The Federal Trade Commission has made clear that late payments XXXX be reported only when accurate, timely, and properly substantiated. Many of the late payment entries reported on my credit file were not disclosed to me, verified, or supported by any original contract bearing my wet ink signature. 

Uniform Commercial Code ( UCC ) : XXXX XXXX : I have reserved my rights under this section, which allows me to perform or accept performance under reservation of rights without prejudice. 

XXXX XXXX : I have a right to demand presentment, dishonor, and notice, including validation and verification of any financial obligation allegedly tied to my name. 

The reporting and sharing of personal private information for commercial gain or without informed consent contravenes the principle of contractual agreement, which is foundational in both common law and commercial code. 

Additional Issues : I have not seen any valid contract or agreement that grants these entities the legal authority to report or share my private financial data. 

I did not waive my right to privacy nor did I enter into any lawful agreement that permits the ongoing dissemination of my data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: NV

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( XXXX & XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: MI

Complaint narrative:
These belong to someone else with the same name they are not mine or it could be fraud. I have been fighting these for years and they keep coming back on. Please remove them permanently. 

Experian XXXXXXXX XXXX  XXXX Original creditor XXXX  Balance {$270.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Original creditor XXXX  / XXXXXXXX XXXX  Balance {$970.00} Balance updated XX/XX/XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance {$15000.00} Balance updated XX/XX/XXXX Equifax XXXX XXXX XXXX  XXXX XXXX Account Status CLOSED Late Payments XXXX Credit Utilization N/A Age of Account XXXX XXXX View details XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Status CLOSED Late Payments XXXX Credit Utilization N/A Age of Account XXXX XXXX View details Transition Account Number XXXXXXXX XXXX XXXX XXXX XXXX Condition Derogatory Responsibility Individual Current Balance {$19000.00} Original Balance {$17000.00} Limit $ 0 Monthly Payment {$0.00} Last Payment XX/XX/XXXX Status Collection / Charge-Off Loan Term 48 Loan Type Auto Lease Opened XX/XX/XXXX Reported XX/XX/XXXX Remarks Charged off as bad debt|Full termination ; balance owing Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone Account Number XXXXXXXX XXXX XXXX XXXX XXXX  Condition Derogatory Responsibility Individual Current Balance {$0.00} Original Balance {$26000.00} Limit $ 0 Monthly Payment {$0.00} Last Payment XX/XX/XXXX Status Collection / Charge-Off Loan Term 72 Loan Type Auto Loan Opened XX/XX/XXXX Reported XX/XX/XXXX Remarks Payment after charge off/collection|Repossession ; redeemed Creditor Information XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-07-30 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: MI

Complaint narrative:
These belong to someone else with the same name they are not mine or it could be fraud. I have been fighting these for years and they keep coming back on. Please remove them permanently. 

Experian XXXXXXXX XXXX  XXXX Original creditor XXXX  Balance {$270.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Original creditor XXXX  / XXXXXXXX XXXX  Balance {$970.00} Balance updated XX/XX/XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance {$15000.00} Balance updated XX/XX/XXXX Equifax XXXX XXXX XXXX  XXXX XXXX Account Status CLOSED Late Payments XXXX Credit Utilization N/A Age of Account XXXX XXXX View details XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Status CLOSED Late Payments XXXX Credit Utilization N/A Age of Account XXXX XXXX View details Transition Account Number XXXXXXXX XXXX XXXX XXXX XXXX Condition Derogatory Responsibility Individual Current Balance {$19000.00} Original Balance {$17000.00} Limit $ 0 Monthly Payment {$0.00} Last Payment XX/XX/XXXX Status Collection / Charge-Off Loan Term 48 Loan Type Auto Lease Opened XX/XX/XXXX Reported XX/XX/XXXX Remarks Charged off as bad debt|Full termination ; balance owing Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone Account Number XXXXXXXX XXXX XXXX XXXX XXXX  Condition Derogatory Responsibility Individual Current Balance {$0.00} Original Balance {$26000.00} Limit $ 0 Monthly Payment {$0.00} Last Payment XX/XX/XXXX Status Collection / Charge-Off Loan Term 72 Loan Type Auto Loan Opened XX/XX/XXXX Reported XX/XX/XXXX Remarks Payment after charge off/collection|Repossession ; redeemed Creditor Information XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am writing to formally dispute a duplicate account currently appearing on my credit report. The account in question is being reported by XXXX XXXX XXXX account number XXXX. 

This account appears more than once on my credit report, which is misleading and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ) XXXX ( b ), you are required to ensure that the information reported is accurate and not misleading. Reporting the same debt multiple times violates this requirement. Please remove these asap. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: Possible Financial Inc
State: CA

Complaint narrative:
Inaccurate credit entry, Which violates the Fair Credit Reporting Act ( FCRA ) :

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: AZ

Complaint narrative:
I discovered that I was added as an authorized user on a XXXX XXXX credit card account issued by XXXX XXXX  without my knowledge or consent. I did not authorize this, nor did I give anyone permission to add me to this account. 

I contacted the credit bureaus to dispute the account, but I am requesting that XXXXXXXX XXXX  also remove me from this account and stop furnishing this inaccurate information to the credit reporting agencies. 

Under the Fair Credit Reporting Act ( FCRA ), information on my credit report must be accurate and verifiable. Since I never agreed to be added to this account, this reporting is both inaccurate and unauthorized.

Company response to consumer: Closed with non-monetary relief