vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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: CA

Complaint narrative:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file.

Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification.

Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within 30 calendar days of receipt of this correspondence, you must effectuate immediate deletion of the accounts from all versions of my credit report.

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards.

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data ( e.g., XXXX v. Equifax {$18.00} XXXX ; XXXX v. TransUnion {$5.00} XXXX ). 

The CFPB recently secured a {$15.00} XXXX settlement after systemic investigatory and procedural lapses. 

Accordingly, I require either : A certified copy of the original wetink signed agreement ; or Written confirmation that these accounts have been permanently deleted from all credit files you maintain. XXXX XXXX & XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: NY

Complaint narrative:
Experian has continued to keep things on my credit report after i have disputed or after the original creditor has stopped reporting. Their investigation tactics continue to allow derogatory information to remain on my report. 
I have an issue with how the following reports are being reported : XXXX : Has not reported account in over a year but Experian still shoes it as an active account on my report. XXXX XXXX : Has not reported account in over a year but Experian still shoes it as an active account on my report. 
Neither of these accounts are reporting to the other XXXX major credit reporting agencies. Experian will not remove them. It seem that they are interested in reporting derogatory information. 
XXXXXXXX XXXX XXXX : Has stopped reporting to to the other XXXX credit bureaus but somehow Experian has managed to keep getting reports with updated information. 
XXXXXXXX XXXX XXXX Original creditor is no longer reporting this to credit bureaus but Experian keeps it on my credit report delibrately. 
Experian has no regard for the validity of the information that hey report. They do properly investigate disputes. Instead of immediately denying disputes, they now wait approximately 30 days before they give a frivolous reason for the the denial. 
I should have to keep filing the same complaint about the same credit reporting agency repeatedly.

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 2025-07-11 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: CA

Complaint narrative:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file.

Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification.

Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within 30 calendar days of receipt of this correspondence, you must effectuate immediate deletion of the accounts from all versions of my credit report.

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards.

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data ( e.g., XXXX v. Equifax {$18.00} XXXX ; XXXX v. TransUnion {$5.00} XXXX ). 

The CFPB recently secured a {$15.00} XXXX settlement after systemic investigatory and procedural lapses. 

Accordingly, I require either : A certified copy of the original wetink signed agreement ; or Written confirmation that this account has been permanently deleted from all credit files you maintain. 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 2025-07-11 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: CA

Complaint narrative:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file.

Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification.

Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within 30 calendar days of receipt of this correspondence, you must effectuate immediate deletion of the accounts from all versions of my credit report.

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards.

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data ( e.g., XXXX v. Equifax {$18.00} XXXX ; XXXX v. TransUnion {$5.00} XXXX ). 

The CFPB recently secured a {$15.00} XXXX settlement after systemic investigatory and procedural lapses. 

Accordingly, I require either : A certified copy of the original wetink signed agreement ; or Written confirmation that this account has been permanently deleted from all credit files you maintain. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against SANTANDER regarding an account I have with them XXXX XXXX XXXX. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : SANTANDER XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$20000.00}. 

I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with SANTANDER buttonoavail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: CA

Complaint narrative:
I am contacting you due to unauthorized accounts on my credit report that are not a result of any action on my part. These entries were created without my consent and are the direct outcome of identity fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: NC

Complaint narrative:
I filed multiple disputes with Equifax on XX/XX/year>2025, and while the 30-day deadline has not technically passed, the delay is already interfering with urgent housing needs. Im actively applying for an apartment, and this pending dispute is delaying the approval process.

I have a legal right under the Fair Credit Reporting Act ( FCRA ) to have inaccurate or unverifiable accounts corrected in a timely manner and the process should not create financial hardship. Equifax has provided no updates, no proof of verification, and no timeline for resolution. This is not a simple delay its causing real-world harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: GA

Complaint narrative:
The following companies continue to report inaccurate information on my credit report, after several attempts to correct the problem they have not sent any re-investigation information they keep sending back verified. However, they are not following FCRA guidelines with sending me the proper documentation of their re-investigation. 
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 2025-07-11 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: GA

Complaint narrative:
The following companies continue to report inaccurate information on my credit report, after several attempts to correct the problem they have not sent any re-investigation information they keep sending back verified. However, they are not following FCRA guidelines with sending me the proper documentation of their re-investigation. 
XXXX XXXX  # XXXX XXXX  # XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am writing in response to your recent communication regarding an alleged debt you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I formally dispute this debt and request full validation of your claim. Under federal law, you are required to cease all collection activities until you provide adequate verification of the alleged debt.

Request for Verification : Under 15 U.S.C. 1692g ( b ), you must provide : 1. Proof of your legal standing to collect this debt, including a valid assignment or chain of title demonstrating ownership of the debt from the original creditor to your agency. 2. A full itemization of the alleged debt, including principal, interest, fees, and all charges. 3. Copies of any contracts or agreements bearing my signatur
e that establish my liability for this alleged debt.

4. Proof that the original creditor did not receive any insurance payment, government relief, or tax write-off that nullifies the debt under case precedents such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Potential Fraud Concerns : I also challenge the legitimacy of this debt on the grounds that the original creditor may have already received compensation for any alleged loss. If the creditor was insured against default or received compensation through other means ( such as an insurance policy, a tax write-off or government bailout ), then the alleged obligation may have been extinguished. Courts have held that a party can not seek double recovery for the same loss, as seen in FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Additionally, if the debt has been securitized and sold as part of an asset-backed security, the original creditor may no longer have a valid claim, as illustrated in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), which supports the principle that the note and security instrument can not be separated. 
Creditor Accepted payment. Account already XXXX : The alleged debt was already paid and XXXX by the alleged creditor. Please cease all collection activity. 
Cease and Desist Notice : Under 15 U.S.C. 1692c ( c ), I demand that you immediately cease all collection efforts until you fully validate the debt. Failure to provide verification within 30 days will constitute a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, and I reserve my right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 

MIDLAND CREDIT MANAGEMENT XXXX, MIDLAND CREDIT MANAGEMENT XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Mandarich Law Group, LLP
State: CA

Complaint narrative:
I sent XXXX formal written attempts to settle a judgment with no acknowledgment or response. I requested a reply by XX/XX/year>, and they failed to respond at all. This has stalled resolution and feels like bad faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: AL

Complaint narrative:
b'please see supporting documents pertaining to XXXX data breach'

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 2025-07-11 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: TX

Complaint narrative:
I am disputing entries on my credit report that were added without my permission or involvement. These entries are not associated with any activity I authorized and are the result of identity fraud.

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 2025-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/scrub> 2025, I made a payment of {$180.00} to my Capital One credit card from a newly linked external checking account at XXXX, XXXX. The account had a balance of {$200.00} at the time of the payment. I received an email confirmation from Capital One that the account ending in XXXX was successfully added and verified for payments. 

The payment appeared to go through without issue. However, on XX/XX/XXXX, I discovered that the payment had been reversed and I was charged a Returned Payment Fee. I was never notified that the transaction failed, never received a warning or rejection message, and was given no opportunity to resolve the issue before the fee was applied.

When I contacted Capital One, I was told the payment was returned due to an issue with the external accountpossibly due to invalid details or the bank rejecting the request. But if the account information had been incorrect, I should not have received confirmation that it was linked and eligible for payments. Capital Ones system approved the account, accepted the payment, and never alerted me of any problem.

I requested that the fee be reversed since I had sufficient funds, followed Capital Ones payment posting policy, and received no communication about the reversal or issue. The company refused, claiming the problem was with my bank.

If there was truly an issue with the external account or account numbers, then Capital One should have flagged it during the verification step, not days later. The lack of transparency, delayed reversal, and automatic fee penalty for something outside of my control is unacceptable.

I am requesting a reversal of the Returned Payment Fee and a formal review of Capital Ones process for verifying external accounts and notifying customers when payments fail. I acted in good faith and should not be penalized for a system failure.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD Bank closed my account without justification, is withholding my funds, refuses to provide written confirmation, and refuses to expedite the return of my money. I filed a civil rights complaint for XXXX profiling, and they are now retaliating. This is causing serious financial hardship. TD Bank is refusing to give me written confirmation that they closed my account or issued my final balance. TD Bank closed my account without my consent, is withholding my funds, and refuses to provide written confirmation of the check they claim to have mailed. Ive already filed internal complaints regarding XXXX discrimination and retaliation. They are now avoiding documentation, likely to prevent legal accountability. 

This looks like an attempt to avoid documentation of their misconduct. I want this included in the civil rights and defamation case. 
TD Banks claim that Im attempting to re-cash the check is completely false. I deposited the check once, through the ATM, and they blocked it, froze my account, and reported my card stolen. I have never tried to re-deposit or re-cash it. Any system processing showing multiple attempts is on their end. This false statement harms my character, especially since Ive already filed XXXX discrimination complaints. The teller lied to fraud dept saying my card was stolen and had my acc locked while I was in the branch leaving me stranded on XX/XX/year> now they have closed my account I was in XXXX where they said I dont look like XXXX XXXX and thats me I just an XXXX American its not fair

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK
State: NY

Complaint narrative:
I am filing a complaint against Discover Card for refusing to allow me to dispute a charge for a hotel reservation at XXXX XXXX XXXX ( XX/XX/2025 ). I paid for an all-inclusive experience that was not delivered. This qualifies as goods and services not received under the Fair Credit Billing Act.

Services not received or grossly inadequate included : - No butler service or reservation assistance as advertised, not able to eat at 4 out of 5 restaurants without reservations. 
- No shuttle service provided - Broken in-room jacuzzi ( reported multiple times, never repaired ) - Assigned top-floor room despite having small children and a stroller - Served contaminated food despite disclosing XXXX ( resulting in illness ) - Poor room sanitation ; my XXXX daughter found and mouthed a used XXXX - Floors were never swept, room was unsanitary and unsafe These are not mere dissatisfactions they are health hazards and false advertising, and constitute a failure to provide the services paid for. 

When I contacted Discover, the customer service representative refused to allow me to formally file a dispute. She claimed I couldnt dispute the charge because I stayed the entire 7 days which is incorrect. I was treated rudely and dismissed. 

This violates my rights under the Fair Credit Billing Act and reflects unacceptable customer service.

Company response to consumer: Closed with explanation