vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from 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 explanation
Consumer complaint received 2025-12-29 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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:
The addresses and accounts that are showing up do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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:
The addresses and accounts that are showing up do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: AL

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts : XXXX, XXXX, XX/XX/XXXX, Balance : {$15000.00} XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$160.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$14000.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX Late Payments : XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
To Whom It May Concern, I am requesting validation of the alleged debt you claim I owe, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide : 1. The original signed contract or agreement showing I am legally obligated.

2. A full itemization of the debt, including principal, interest, and fees.

3. Proof that you have the legal right to collect this debt.

4. Verification that this debt has not been paid, settled, or discharged.

Until you provide proper validation, you must cease all collection activity, including reporting this account to any credit reporting agency. 

Be advised that I am also exercising my right under 15 U.S.C. 1692c ( c ) to limit communications. All future contact must be in writing only. No phone calls are authorized. 

If you can not validate the debt, or if you fail to comply with this request, you must immediately remove it from all credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: LA

Complaint narrative:
I am requesting the removal of this account from my record. The account is inaccurate and does not reflect my actual obligation or activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am submitting this complaint regarding an account reported by Capital One Bank on my credit report. The account shows an outstanding balance of {$2600.00} from 2015. I dispute the accuracy of this account and requested verification, including proof of ownership, payment history, and explanation of the balance.

Capital One has not provided sufficient documentation to validate the account. Despite this, the account continues to be reported to the credit bureaus.

Reporting unverified or inaccurate information may violate the Fair Credit Reporting Act. I am requesting that the account be fully verified or deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: OH

Complaint narrative:
I have been a victim of the Equifax data breach and I have become a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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:
To whom it may concern Subject : Demand for Immediate Deletion from Credit Report Pursuant to FCRA and Consumer Law To Whom It May Concern, I am writing to demand the immediate deletion of any collections entries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified collections entries that are inaccurately reported and must be removed promptly to avoid legal repercussions. 

I demand the following entries to be deleted : - XXXX XXXX - opened XX/XX/year> - account no : XXXX - XXXX XXXX XXXX - opened XX/XX/year> - account no : XXXXXXXX XXXX XXXX XXXX XXXX opened XX/XX/year> - account no : XXXX - XXXX XXXX XXXX XXXX opened XX/XX/year> - account no. XXXX I assert that these entries are inaccurate and violate my rights under the FCRA and relevant consumer protection laws for the following reasons : 1. Violation of FCRA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies. The inclusion of these inaccurate collections entries on my credit report constitutes a violation of these laws.

2. Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of these inaccurate collections entries from my credit report unless the creditors wish to face penalties of up to {$1000.00} for each violation. Failure to comply with this demand will result in legal action to enforce my rights under the law.

3. Preparedness for Litigation : I am fully prepared to pursue litigation against the creditors and any consumer reporting agencies that continue to report these inaccurate collections entries on my credit report. I have documented evidence to support my claim and will not hesitate to take legal action to rectify this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: IL

Complaint narrative:
To whom it may concern Subject : Demand for Immediate Deletion from Credit Report Pursuant to FCRA and Consumer Law To Whom It May Concern, I am writing to demand the immediate deletion of any collections entries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified collections entries that are inaccurately reported and must be removed promptly to avoid legal repercussions. 

I demand the following entries to be deleted : - XXXX XXXX - opened XX/XX/year> - account no : XXXX - XXXX XXXX XXXX - opened XX/XX/year> - account no : XXXXXXXX XXXX XXXX XXXX XXXX opened XX/XX/year> - account no : XXXX - XXXX XXXX XXXX XXXX opened XX/XX/year> - account no. XXXX I assert that these entries are inaccurate and violate my rights under the FCRA and relevant consumer protection laws for the following reasons : 1. Violation of FCRA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies. The inclusion of these inaccurate collections entries on my credit report constitutes a violation of these laws.

2. Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of these inaccurate collections entries from my credit report unless the creditors wish to face penalties of up to {$1000.00} for each violation. Failure to comply with this demand will result in legal action to enforce my rights under the law.

3. Preparedness for Litigation : I am fully prepared to pursue litigation against the creditors and any consumer reporting agencies that continue to report these inaccurate collections entries on my credit report. I have documented evidence to support my claim and will not hesitate to take legal action to rectify this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I have a XXXX XXXX through Synchrony Bank with a credit limit over {$4000.00}. My credit utilization was high at around 90 % because of a few large purchases. I needed to make other large purchases in the future but also wanted to lower my utilization to increase my credit score. So in XXXX and early XXXX, I made a little over {$3000.00} in payments to get the utilization to around XXXX %. They report to the credit bureau on the XXXX of each month. Coincidentally on the XXXX, I receive a letter saying they are lowering my credit limit {$3.00} XXXX something to make my utilization even higher at 96 %. Then they reported to the credit bureaus. So not only did they take my large payments but decided to hurt me further by miraculously lowering my limit right before they had to report it. When I submitted an inquiry, all I was told that I could request a credit limit increase which they denied. It appears that it was done with malicious intent to hurt me as much as possible because they had months to lower my limit and waited until I paid it way down and right before they reported it. But I guess that is just pure bad luck and coincidence, right?. I want my limit back to what it was and may file with the FTC as well or I have no reason to continue with this company if all they wish to do is hurt their consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: NY

Complaint narrative:
I am filing this complaint against Capital One for failing to provide provisional credit and a reasonable investigation into a significant merchant service failure. On [ Date ], I attempted to use XXXXXXXX XXXX XXXX  but the service was not provided due to a documented, platform-wide technical collapse. 

The merchant, XXXX, has already issued a partial refund of {$370.00} for XXXX smaller transactions. This is a direct admission of fault and confirmation that the services were not rendered. Despite this proof of merchant error, Capital One is refusing to issue provisional credit for the remaining {$4200.00} ( {$3500.00} and {$700.00} claims ), stating the claim 'does n't qualify. ' This is a 'Service Not Received ' claim, not a quality dispute. The merchants own XXXX, XXXX XXXX, publicly admitted to the outage. Capital One 's refusal to provide temporary funds while they take XXXX days to investigate a merchant that has already started the refund process is an unfair banking practice. I am requesting the immediate release of my {$4200.00} in provisional credits

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
The transaction occurred on XX/XX/year> for a total of {$3100.00} for a furniture set at Raymour and Flanigan using a Store card issued by XXXX XXXX The order was subsequently cancelled due to customer service-related issue. However, XXXX XXXX  continues the billing with Past dues and eventually leading to a derogatory credit history. The local Raymour and Flanigan outlet acknowledge the issues but isn't facilitating the credit back to XXXX XXXX It couldn't also issue a cancellation receipt either, citing a change in their POS system. My effort to obtain a letter from the store to support my claim with the financial institution were vain. Meanwhile, XXXX  continues to bill ( Principal + interest+ fee ) every month. This leaves me in emotional distress.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-29 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: NJ

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
XX/XX/year> - {$1000.00} credit card was charged of and sold to a third party debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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:
I am disputing the following charged-off accounts that I believe are either inaccurate or incomplete on my TransUnion credit report. 

Charged Off Accounts : XXXX XXXX  - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$800.00} XXXX XXXX - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$220.00} XXXX XXXX XXXX - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$110.00} XXXX - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX XXXX - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$14000.00} Inquiries : TransUnion ( TU ) : I am disputing the following inquiries on my TransUnion report that I believe may have been made in error. 

XXXXXXXX XXXX - Date : XX/XX/XXXX XXXX XXXX - Date : XX/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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts : [ No charged-off accounts listed ] Inquiries : XXXX, XX/XX/year> XXXX XXXX XXXX XX/XX/year> Positive Accounts : [ No positive accounts listed ] Late Payments : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation