vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: MN

Complaint narrative:
This is not my bill, and XXXX XXXX has never notified me of any outstanding balance. I have never received a call or written notice from this company that I owe this debt, and I have never signed a contract with a third-party collection agency. I have no idea who these companies are, and I expect this collection to be removed from my credit report immediately. Since my information has been has been exposed in identity theft I continue to recieve these negative items on my credit report because of XXXX  and XXXX  data breaches. XXXX, XXXX, and XXXX  also continue to VERIFY information on my credit reports WITHOUT updating it. However, they make it very easy to keep adding accounts that do not belong to me..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I have made many purchases with XXXX, often times using the store card, Amazon-Card. I have always made sure to choose the terms offered as 6-months-0 % -interest-equal-payments, ensuring that I never have any interest accruing. However, I have just noticed that I have been improperly charged at least {$98.00} in the past 12 months ( I can not tell if there are any other improper charges before then, since Amazon-Card has refused to allow me access to the statements, and even for the past 12 months, incomplete statements ). XXXX & Amazon-Card keep on playing the hot-potato game of saying that the other is at fault, etc.

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 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Date of Birth : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Date : XX/XX/XXXX To : Experian P.O. XXXX XXXX, XXXX, TX XXXX Subject : Formal Dispute and Demand for Permanent Deletion of Unverifiable, Inaccurate, and Outdated Accounts under FCRA 607 ( b ), 609 ( a ), 611 ( a ), and FDCPA 809 ( b ) Dear Credit Bureau Compliance Officer, I am formally disputing the accuracy, completeness, and verifiability of the following accounts currently listed on my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), you are legally required to conduct a full reinvestigation within XXXX  days and delete any account that can not be fully verified with documentation from the original creditor. 


Accounts in Dispute : XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5200.00} XXXX XXXX XXXX XXXX XXXX {$110.00} Pursuant to : - FCRA 607 ( b ) : You must maintain maximum possible accuracy.

- FCRA 611 ( a ) ( 1 ) ( A ) : You must reinvestigate disputed information within XXXX  days.

- FCRA 609 ( a ) ( 1 ) ( A ) : You must disclose the source of the disputed information.

- FDCPA 809 ( b ) : Debt collectors must validate debt before reporting or collecting. 

Failure to provide complete validation ( including original signed agreements and payment records ) within the legally mandated timeframe constitutes willful noncompliance under FCRA 616 and civil liability under 617. If unverifiable, the item must be permanently deleted, not 'updated. ' Please provide a written response within XXXX  days confirming deletion or verified documentation. 

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 2025-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ZWICKER & ASSOCIATES
State: MD

Complaint narrative:
Zwicker & Associates, XXXX. attempted to collect and report an alleged XXXX XXXX debt that has been assigned to multiple collection agencies over time, including XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX. 
Each of these entities is reporting different information to the credit bureaus regarding the same XXXX XXXX account, such as inconsistent Date Last Reported, Date of Last Activity, and Date Last Payment. 

I disputed these inaccuracies in writing with all three credit reporting agencies and with Zwicker directly by certified mail. Each dispute was received and signed for, as shown by USPS Form 3811 receipts.


Zwicker failed to provide validation of the debt or correct the reporting inconsistencies within 30 days, violating 15 U.S.C. 1692g ( b ) of the FDCPA and 15 U.S.C. 1681s-2 ( b ) of the FCRA.

Zwickers continued reporting of inaccurate data and failure to mark the account as disputed also violates 1692e ( 8 ) of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: MD

Complaint narrative:
In XX/XX/XXXX I opened a secured credit card account through XXXX XXXX XXXX XXXX XXXX XXXX  with a {$100.00} limit. 
The account is now showing on my Equifax report as Collection / Charge-Off with a balance of {$120.00}, an original balance of {$130.00}, and the remarks Charged off as bad debt | Profit and loss write-off. 

On XX/XX/XXXX, I disputed this tradeline with all three credit bureaus under the Fair Credit Reporting Act ( FCRA ) and Metro 2 Compliance Guidelines. I specifically requested verification of the original signed contract, full payment history, and accurate Metro 2 data. 

Equifax responded only with the generic statement : Account information disputed by consumer, meets FCRA requirements. 

That phrase does not show that a proper reinvestigation occurred or that XXXX XXXX XXXX XXXX XXXX provided supporting documentation. The account remains on my file without proof of accuracy, which violates several provisions of the FCRA, including : 15 U.S.C. 1681e ( b ) Failure to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Failure by the furnisher to properly verify disputed data The reported information appears inconsistent, unverifiable, and inaccurately coded according to Metro 2 standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I affirm that the false late payment notations on my accounts violate 15 USC 1666. I have consistently made my payments on time, and any errors in this reporting are both improper and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/year>, My XXXX XXXX service with TD Bank was suspended/restricted. So this means I cant send or receive money straight from my bank account. I called the bank the next day they ask why, and they never gave me a solid awnser even though I verified my identity and explained every single transaction. I called about this again today, XX/XX/year>, one representative at TD Bank told me that there is no restriction on my account, and another representative told me there is a suspension. I feel as though Im being cheated and lied to here. I even offered to explain every single XXXX transaction and I verified my identity yet they never explained what I did to break the guidelines. Now my XXXX account is stuck and Im not able to use it for personal and business reasons to send or receive money. This is affecting my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC
State: IL

Complaint narrative:
I financed a residential solar installation through GoodLeap ( Loan # XXXX ) for a project performed by XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The installer filed XXXX  XXXX bankruptcy ( XXXX XXXX ) before completing the installation or obtaining Permission to Operate ( PTO ) from my utility. My system remains inactive and has never been connected to the grid. 

GoodLeap emailed me the contract package to sign, which included both GoodLeaps loan agreement and XXXX XXXX XXXX home improvement contract. Under the FTC XXXX XXXX clause in my GoodLeap  loan, any holder of this consumer credit contract is subject to all claims and defenses I could assert against the seller. Because XXXX XXXX failed to complete the work, I have disputed the loan and requested that GoodLeap  suspend payments, collections, and credit reporting while the system remains nonfunctional. 

I also requested written confirmation of the accounts dispute status and information about replacement-contractor completion or loan cancellation options. To date, GoodLeap has continued to service the loan without confirming a resolution or pausing billing. 

I am requesting the CFPBs assistance to ensure GoodLeap complies with federal consumer protection laws, formally places the loan in dispute, halts all payment activity, and either ( XXXX ) assigns a licensed contractor to complete the installation and obtain PTO at no cost to me, or ( XXXX ) cancels the loan and releases any UCC or lien filed against my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
DEAR Synchrony Bank CareCredit XXXX : I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : Original Credit Agreement ( the contract I allegedly signed, if applicable ) Full Itemized Statement ( showing how the balance was calculated ) Forward Flow Agreement ( proving debt transfer from original creditor ) Chain of Title / Assignment Documents ( showing legal transfer of ownership ) Complete Payment History Records ( verifying payments or delinquencies ) Validation Notice ( per FDCPA 1692g ) Notice of Default / Intent to Collect ( as required by law ) Proof of Statute of Limitations ( confirming debt is legally collectible ) Credit Reporting Agreement ( authorizing reporting to bureaus ) Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable. 

Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX that unverifiable or misleading data can not lawfully remain on a consumers credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
FTC shutdown with my ID restoration with consumer protection act involved in the litigation. I have a account company dispute with the resolution team. I have a tax lien with Equifax data breach. I have a recovery account with comodo security geek buddy. I have logged in the account recovery data breach on my XXXX XXXX digital footprint data breach scan identity protection required a blue plan for {$20.00} plus tax. I have been asked to review the account with the ID restoration specialist. I have a disabled email log in dispute error with my credit report. My insurance was cancelled with a data breach attorney from the citation. I want to file a citation under my property under false pretenses in ID restoration with my shut down of the FTC government program. I have contacted the credit report with Equifax administrator. The settlement administrator has not filed the bankruptcy dispute with the claim department from the data breach. I was exposed in a cyber liability claim of account fraud from inadequate protection of consumer violations of error log in back ground disputes I want to file a claim for ID restoration theft of my personal business account from the account compromise of my administrator review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc.
State: GA

Complaint narrative:
I am writing to dispute the accuracy of information reported by you regarding my credit profile and to formally demand the removal of this information as it violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). I believe that the information you have reported is inaccurate and has negatively impacted my credit score. Under 1681, I have the right to challenge the validity of any information that is reported about me. Therefore, I request the immediate removal of the following inaccurate information from my credit profile : - [ ALL ACCOUNTS ASSOCIATED WITH XXXX XXXX XXXX XXXX ] Additionally, I request that you provide me with documentation that verifies the accuracy of the information you have reported. If you can not provide such verification, I expect the immediate removal of the disputed information from my credit profile. Please treat this letter as a formal request for the necessary action. I expect a response within 30 days of your receipt of this letter. If this matter is not resolved satisfactorily, I will have no choice but to escalate it to the appropriate regulatory agencies and seek legal counsel to protect my rights. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
FTC shutdown with my ID restoration with consumer protection act involved in the litigation. I have a account company dispute with the resolution team. I have a tax lien with Equifax data breach. I have a recovery account with comodo security geek buddy. I have logged in the account recovery data breach on my XXXX XXXX digital footprint data breach scan identity protection required a blue plan for {$20.00} plus tax. I have been asked to review the account with the ID restoration specialist. I have a disabled email log in dispute error with my credit report. My insurance was cancelled with a data breach attorney from the citation. I want to file a citation under my property under false pretenses in ID restoration with my shut down of the FTC government program. I have contacted the credit report with Equifax administrator. The settlement administrator has not filed the bankruptcy dispute with the claim department from the data breach. I was exposed in a cyber liability claim of account fraud from inadequate protection of consumer violations of error log in back ground disputes I want to file a claim for ID restoration theft of my personal business account from the account compromise of my administrator review.

Company response to consumer: Closed with explanation