vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I would like all bank statements that was in my name for the past 7 years. The money taken out my XXXX XXXX account dont match up with what was in my account.. 
Capital One the money sent from XXXX XXXX was told was there from the fraud department. I call them walk into the branch to get my money and the bankers has issues with they computers they apologize XXXX times and soon as walking out put a lady XXXX the phone I guess to keep me at ease and say I could try another branch anytime even before that day I was told any day I could get my money there was no time limit Capital One was not the one with the case investigating then it all changed in XXXX Tx lady at the branch said no money was ever there and any money was there XXXX cashers check had been sent out

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Auto Trakk, LLC
State: SC

Complaint narrative:
This account ( Auto Trakk LLC - Acct # ending in XXXX ) shows Voluntarily Surrendered reported every month from XX/XX/XXXX through XXXX. This is inaccurate and misleading. The account was closed and surrendered in XX/XX/XXXX and should not continue updating monthly as if it is actively delinquent. This practice is considered re-aging and misrepresentation of status under the Fair Credit Reporting Act ( XXXX  ) under Section XXXX, which requires accurate and not misleading information. Please investigate and correct or remove the inaccurate reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc.
State: NM

Complaint narrative:
This debt is from a back surgery during the first year of the pandemic. Ive been continuously covered by XXXX ( XXXX ) and XXXX ( XXXX XXXX & B ) since XXXX. XXXX XXXX improperly sold this fully covered debt to XXXX XXXX XXXX XXXX. I disputed it via certified letter on XX/XX/XXXX. No response. Its harming my credit and housing access.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patenaude & Felix A Professional Corporation
State: CA

Complaint narrative:
I made agreement to pay Patenaude & Felix, A.P.C.WHICH I PAID IN FULL first payment to them was XX/XX/XXXX till XX/XX/XXXX for a total of XXXX payments to Client : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account. 
Acct # XXXX There File # XXXX Account Balance {$12000.00} Proposed Settlement {$9900.00} First letter was Dated XX/XX/XXXX XXXX Attempt Letter is Dated XX/XX/XXXX There File # XXXX Account Balance {$13000.00} Proposed Settlement {$10000.00} They keep sending harassment letters 3 rd time trying to collect on a debt already paid as agreed. I want to file a law suite for Harassment and defirmation of character

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I requested student loan debt cancellation due to permissible purpose of transferring of loan information amongst services. My contractual agreement was made directly with he department of education not 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 2025-05-08 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: AL

Complaint narrative:
I requested student loan debt cancellation due to permissible purpose of transferring of loan information amongst services. My contractual agreement was made directly with he department of education not XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: AL

Complaint narrative:
I requested student loan debt cancellation due XXXX permissible purpose of transferring of loan information amongst services. My contractual agreement was made directly with he department of education not outside servicers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GLOBAL CREDIT UNION
State: TX

Complaint narrative:
I would like all bank statements that was in my name for the past XXXX  years.. 
Alaska credit union every so often you send me mail in Alaska about a saving account with XXXX cents. I never knew I had a saving account. Last I was informed I owed a balance and closed my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: GA

Complaint narrative:
This late payment mark is incorrect and does not align with my actual payment history. I have been diligent in making timely payments, and I request an update to ensure accuracy in my records.

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 2025-05-08 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: TX

Complaint narrative:
I do not recognize these inquiries, and they seem unauthorized. I kindly request prompt action to resolve this issue. The attached documents provide further details.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
The items listed below are reported on my personal credit file and were found in my reports with credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3200.00}

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 2025-05-08 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:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. XXXX XXXX ( mo ) XXXX XXXX presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists. ( please remove these account before i seek litigation for defamation of character ) XXXX XXXX XXXX balance {$16000.00}, XXXX XXXX XXXX balance {$1700.00}

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 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX Monday, XX/XX/year> Midland Credit Management XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX RE : CEASE AND DESIST DEMAND / IMMEDIATE REMOVAL OF UNVERIFIED ACCOUNT REPORTING To Whom It May Concern : This letter serves as a formal notice under my rights granted by federal law, including but not limited to : 15 U.S. Code 1692c which prohibits continued communication after written notice to cease.

15 U.S. Code 1692g which requires proper debt validation.

15 U.S. Code 1681s2 which prohibits the reporting of inaccurate information and outlines responsibilities of information furnishers to consumer reporting agencies. 
You are hereby notified to cease and desist all communication with me, my family, my place of employment, and any third parties regarding any alleged debt, effective immediately. Any further contact will be considered a willful violation of the Fair Debt Collection Practices Act ( FDCPA ) and will be documented as such. 
Furthermore, I dispute the validity of the alleged debt associated with your company. You have failed to provide sufficient validation of this debt under 15 USC 1692g ( b ). Until such time that full and complete validation is provided, you are prohibited from continuing collection activities, including reporting to any consumer reporting agency.

Under 15 USC 1681s2 ( a ), you are also required to report only accurate and verified information to consumer reporting agencies. As you have not validated the alleged debt, any continued reporting constitutes a violation of the Fair Credit Reporting Act ( FCRA ). 
You are hereby demanded to immediately delete and permanently remove all accounts, inquiries, and reporting related to this alleged debt from all consumer reporting agencies, including but not limited to XXXX XXXX XXXX XXXX 
Failure to comply with these demands will result in further actions, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and possible civil litigation for statutory damages, actual damages, and attorneys fees. 
Please be advised that this is my final communication on this matter unless full and proper validation of the alleged debt is provided as required by federal law. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: PA

Complaint narrative:
Dear Experian, I am writing to formally dispute in accurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the fair reporting act and request a thorough investigation into these inaccuracies as required by federal law recently the consumer financial protection bureau file a lawsuit against Experian for its failure to properly investigate, consumer, disputes, citing investigations, and other unlawful practices these practices as outlined by the CFPB include conducting in adequate investigations that fail to address, consumer disputes properly re-inserting previously disputed and inaccurate information without explanation, failing to notify consumers about investigation effectively these allegations highlights, systematic systemic issues that ultimately undermine consumer protections and perpetual inclusion of an accurate information on credit reports deeply concerned that my dispute may be miss handled a similar in a similar manner. Please review the inaccurate information being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Dear Experian, I am writing to formally dispute in accurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the fair reporting act and request a thorough investigation into these inaccuracies as required by federal law recently the consumer financial protection bureau file a lawsuit against Experian for its failure to properly investigate, consumer, disputes, citing investigations, and other unlawful practices these practices as outlined by the CFPB include conducting in adequate investigations that fail to address, consumer disputes properly re-inserting previously disputed and inaccurate information without explanation, failing to notify consumers about investigation effectively these allegations highlights, systematic systemic issues that ultimately undermine consumer protections and perpetual inclusion of an accurate information on credit reports deeply concerned that my dispute may be miss handled a similar in a similar manner. Please review the inaccurate information being reported on my credit report.

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 2025-05-08 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the closure of my Synchrony Bank credit card account and to notify you of my intent to pursue legal action should this matter not be resolved in a timely and lawful manner. 

I received a letter dated [ Insert Date of Letter ] stating that my account was closed based on adverse information derived from a credit scoring system. The reasons cited were vague and algorithmically driven, including Not Enough Balance Paid Down Over Time on Real Estate Secured Loans and Too Few Bankcards With High Credit Limits. These metrics are not only discriminatory in nature, but also lack transparency, fail to consider my direct account behavior with Synchrony, and violate my rights under federal consumer protection laws. 

Violations Committed by Synchrony Bank XXXX. FCRA Violations XXXX U.S. XXXX XXXX ( a ) You failed to provide a clear and specific explanation for the adverse action, instead hiding behind generalities derived from a third-party XXXX XXXX. This constitutes a violation of my rights under the Fair Credit Reporting Act. 

XXXX. XXXX Violations XXXX U.S. Code XXXX ( d ) & XXXX XXXX XXXX Under the Equal Credit Opportunity Act, you are required to provide a detailed explanation of any adverse decision, especially if it was made based on a credit scoring model. I demand disclosure of : - The name and source of the score model used- The specific score at the time of decision - All factors ( not just vague summaries ) that adversely affected the decision XXXX. Discriminatory and Unlawful Decision-Making Closing accounts based on arbitrary and opaque metrics without human reviewespecially when the account itself was in good standingis discriminatory and detrimental. It reflects algorithmic bias and an unjust practice that disproportionately harms consumers who may already face systemic disadvantages. 

XXXX. XXXX XXXX XXXX U.S. XXXX XXXX ( b ) If any inaccurate or derogatory data related to my Synchrony account has been reported to the credit bureaus, I will be holding your institution fully liable for failure to maintain accurate information and to correct it upon dispute.

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 2025-05-08 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've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health |

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 2025-05-08 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: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health |

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 2025-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I honestly just want to make a general complaint that it's ridiculous that Wells Fargo charges {$10.00} a month in checking account fees for long-standing customers that pay XXXX XXXX XXXX of interest in a year. Not to mention all the times that I paid ATM fees directly to them just because there were no Wells Fargo ATMs in the area, and the ATM that I used was free itself. 

I'm closing my checking account after 15 years because they can't make any exceptions while I'm in a tough situation to waive this unnecessary fee. Which is only applied, per the requirements, clearly when somebody would be struggling ( minimum of {$500.00} everyday for a month or deposits of {$500.00} a month ). 

If Wells Fargo 's aim is to alienate its poorest clients then all the power for it. But based on their power and the fact that they've received government money, I think it's insanely unfair to target those down on their luck.

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 2025-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I am writing to formally dispute the fraudulent accounts currently reported on my credit file. These accounts are not authorized by me, nor do they reflect any legitimate transactions I have made. I demand the immediate removal of all such fraudulent accounts from my credit report within four ( 4 ) business days, in compliance with applicable federal law.

I am demanding the immediate removal of all fraudulent accounts reported under my name. The unauthorized use of my personal data, without my consent, constitutes identity theft under 15 U.S.C. 1681c-2.

I do not recognize any of these accounts as valid transactions and consider them a direct result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company 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 2025-05-08 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: CO

Complaint narrative:
I am deeply troubled by the late payment reflected on my account, as I have always made timely payments. This error is causing unnecessary stress, XXXX  I kindly request its immediate removal XXXX  accurately reflect my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: NJ

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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