vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Demand to Delete Inaccurate & Fraudulent Accounts Metro 2 & Federal Law Violations This is NOT a dispute. This is a formal DEMAND TO COMPLY under 15 U.S.C. 1681e, 1681b ( e ) ( 6 ), 1681i ( 5 ) ( A ), and 18 U.S.C. 241. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Identity theft XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Identity theft XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX Identity theft XXXX XXXX XXXX XXXX XXXXXXXX Identity theft Additionally, I request a correction of inaccurate payment history on the following accounXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Identity theft Action Requested : Correct payment history to 100 % Paid As Agreed / Never Late

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 2025-08-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
Re : Request for Validation of Alleged Debt under 15 U.S.C. 1692g and Notice to Cease Certain Communications under 15 U.S.C. 1692c ( c ) To Whom It May Concern, This letter is sent in response to your recent communication concerning an alleged debt. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically * * 15 U.S.C. 1692g ( a ) * *, I am exercising my right to request validation of the alleged debt.

* * I do not acknowledge this debt. * * In accordance with * * 15 U.S.C. 1692g ( b ) * *, I request that you provide competent legal validation of the debt you claim I owe. Please include the following : 1. The name and address of the original creditor ; XXXX. A complete account history, including all charges and payments ; XXXX. A copy of any written agreement bearing my signature which shows that I agreed to assume the debt ; XXXX. Documentation showing that your agency is legally authorized to collect debts in my state ; XXXX. Proof that your agency has been assigned or owns the right to collect this debt. 
Please be advised that during the pendency of this dispute, you are prohibited from continuing collection activities per * * 15 U.S.C. 1692g ( b ) * * until you have provided the requested validation.

Additionally, pursuant to * * 15 U.S.C. 1692c ( c ) * *, you are hereby notified to cease all further communication with me regarding this matter, except as legally required. Any attempt to collect this alleged debt without validation is a violation of federal law and may be reported to the * * Consumer Financial Protection Bureau ( CFPB ) * *, the * * Federal Trade Commission ( FTC ) * *, and my state attorney general. 

This is a formal notice that I am keeping records of all correspondence regarding this matter. I reserve the right to take legal action under * * 15 U.S.C. 1692k * * should my rights under the FDCPA be violated.

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 2025-08-03 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have submitted a dispute in regards to this issue XXXX before and have gotten a response that everything has been cleared under my name. I have previously advised your office that I have not open or obtained an account, nonetheless, a credit with WELLS FARGO or any of the affiliates. I have confirmed and advised WELLS FARGO that I have not requested a credit card and that the address that the card was used to be open, is and was not my address of residency. I am not sure as to why and how this was done under my name and how WELLS FARGO approved a credit under my name, without doing any further review and confirmation. Given the fact that WELLS FARGO has the right to investigate and obtain all necessary information prior to approving any credits, WELLS FARGO has failed to uphold that duty and has caused my information to be used in a scam. Furthermore, WELLS FARGO must have gotten signatures along with other identifying information prior to opening an account under my name and failed to do so under the law and regulation of California along with the Federal laws that WELLS FARGO must comply with prior to approving any credit card/lines to anyone. Pursuant to WELLS FARGO 's online advertisement, WELLS FARGO encourages people to use their online system to apply for a credit card and states that its the " quickest '' way to get approved. I did not get a card for approval nor did I get anything in the mail from WELLS FARGO stating that my information was used or attempted to be used in order to open an account. Thus, WELLS FARGO has failed its duty, under California consumer laws and regulations by properly requesting necessary information and documentation to approve a card under my name. Moreover, WELLS FARGO violated federal laws when it approved a card under my name to someone else and is exposed to selling and/or buying my information under different affiliates, exposing them to a lawsuit under California 's due diligence acts and approval under misrepresented information and/or documentations. With that said, I am requesting for WELLS FARGO to immediately withdraw the charge off from my credit as I have previously stated that I did not own to account nor made any used of it.

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 2025-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: MN

Complaint narrative:
My bank uses Zelle as an option to transfer money to vendors. They have tried to correct the error. They have confirmed I am enrolled, but can not even login into zelle to send money. I tried to call zelle themselves and they can only tell me that I am enrolled. But zelle can not fix or see or do anything, and there is no way to fix it. As it is the problem on Zelle 's end ( not my bank at all ) and they can not fix it, there are no other options. I asked the Zelle rep while on the phone with zelle them selves who to call or speak to higher up than the guy on the phone. He said there is nobody or no office, and nothing can be done. I can not set it up through anyone but my bank. And if zelle can not fix their problem or see anything other than I am enrolled, how is this company even able to be used or function?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX Number : XXXX Email : XXXX XX/XX/year> Capital One Auto Finance Attn : Customer Service/ Consumer Relations Subject : Formal Complaint Regarding Credit Denial FCRA Violation ( 15 U.S.C. 1681 ) To Whom It May Concern : I am writing to formally dispute and file a complaint concerning a credit denial I received from Capital One Auto Finance, which I believe was based on inaccurate or outdated credit information in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). This denial directly impacted my ability to purchase a motorcycle - transportation I urgently needed to maintain my job and meet daily obligations. 
According to my Experian credit report dated XX/XX/year>, there are multiple inaccuracies and outdated negative entries, including those associated with Capital One Auto Finance, which show multiple late payments and a past-due balance. Some of these entries have already been marked as previously in dispute. I believe this inaccurate information unfairly influenced your decision. 
Under the FCRA, I am entitled to a credit report that is accurate and fairly reported. Specifically, 15

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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:
This letter serves as a formal dispute and demand for deletion pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, which mandates the reinvestigation of inaccurate, incomplete, or unverifiable information reported in a consumers credit file.

I am demanding an immediate reinvestigation and deletion of the following account from my credit file : Disputed Account Information : XXXX XXXX XXXX - Account # XXXX XXXX XXXX- Account # XXXX XXXX XXXX- Account # XXXX XXXX XXXX- Account # XXXX XXXX XXXX -Account # XXXX XXXX XXXX XXXX XXXX-Account # XXXXXXXX XXXX XXXX XXXX-Account XXXX XXXXXXXX XXXX XXXX XXXXERICA-Account # XXXXXXXX XXXX XXXXXXXX XXXX-Account # XXXX LEGAL GROUNDS FOR REMOVAL : Under 15 USC 1681i ( a ) ( 1 ) ( A ), once a dispute is filed, you are legally obligated to conduct a full and proper reinvestigation. Any item that can not be verified with complete accuracy must be deleted from the consumer 's file within 30 days.

I am exercising this right and demanding strict compliance. Additionally, 15 USC 1681i ( a ) ( 5 ) ( A ) states that any disputed item that : can not be verified must be deleted from the file of the consumer.

Let me be clear : unless you can furnish original documentation with my wet signature proving I originated this account, you must delete it. That means no screenshots, no digital entries, no data dumps from the furnisher I want the actual original contract bearing my live signature as verification. Anything less is legally insufficient under federal law.

Per 15 USC 1681i ( a ) ( 2 ) ( B ), if the furnisher fails to respond or verify the account with sufficient evidence, you are required to delete the account immediately.

YOU ARE HEREBY PUT ON NOTICE : You have 30 days from the receipt of this letter to complete a lawful investigation.

If this account is not 100 % verifiable, or if no documentation bearing my wet signature is produced, the account must be permanently deleted.

Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office.

I am also prepared to pursue civil litigation under 15 USC 1681n and 1681o for any willful or negligent noncompliance with federal law, where damages of up to {$1000.00} per violation, plus punitive damages, attorney fees, and court costs may be imposed.

I expect this matter to be handled with the utmost urgency and in full accordance with federal law. You are not above the law. If this account is not verified to the letter of the law, it must be deleted without delay

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally request the deletion of certain negative fruadulent information on my credit report, these are including late payments and charge offs. 

XXXX XXXX XXXX ACCOUNTS & ADDRESSES LISTED BELOW. XXXX XXXX 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 XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
I purchased furniture from XXXX XXXX on XX/XX/year>2024, under a promotion advertised as No Interest for 18 Months. At the time of purchase, I was not told this was a deferred interest promotion. I was not informed that interest would accrue from the purchase date and be applied retroactively if the balance was not paid in full within 18 months.

Synchrony Bank later applied interest to my account. When I contacted them, they stated the disclosure was on page 3 of my monthly statements. This information was buried in small print and not shown clearly on the first page where important account information is normally provided. A reasonable customer reviewing their statements would not have been aware of this deferred interest condition.

The way the promotion was presented was misleading. I am requesting that Synchrony Bank remove the retroactive interest charges and ensure that promotional financing terms are disclosed clearly and prominently for 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 2025-08-03 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: NY

Complaint narrative:
I just checked my credit report and notice several inaccurate information on some of my accounts, and in accordance with 15 U.S. Code 1681e - Compliance procedures sec B its violation of my rights also in accordance with the Fair Credit Reporting act - XXXX XXXX # XXXX - XXXX XXXX # XXXX - XXXX XXXX # XXXX has violated my nighis 15 US C 1681 section 602 A States I have the right to privacy 15 US C 1681 Section 604 A Section 2. it aiso states a consumer reporing agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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 just checked my credit report and notice several inaccurate information on some of my accounts, and in accordance with 15 U.S. Code 1681e - Compliance procedures sec B its violation of my rights also in accordance with the Fair Credit Reporting act - XXXX XXXX # XXXX - XXXX XXXX # XXXX - XXXX XXXX # XXXX has violated my nighis 15 US C 1681 section 602 A States I have the right to privacy 15 US C 1681 Section 604 A Section 2. it aiso states a consumer reporing agency can not furnish a account without my written instructions

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 2025-08-02 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:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Date of Birth : XX/XX/XXXX. SSN : XXXX Subject : Request for Blocking and Deletion of Fraudulent Accounts Under 15 USC 1681c-2 ( a ) To Whom it May Concern, I am writing to formally request the blocking and deletion of all fraudulent accounts and inquiries associated with my credit report, as I am a victim of identity theft resulting from the Equifax Data Breach . Pursuant to 15 USC 1681c-2 ( a ), I am entitled to have any fraudulent information blocked from my credit report. 


XXXX XXXX - Opened XX/XX/XXXX - Balance {$430.00} XXXX XXXX  XXXX XXXX - Opened XX/XX/XXXX - Balance {$620.00} XXXX XXXX  - Opened XX/XX/XXXX - Balance {$14000.00} XXXX XXXX - Opened XX/XX/XXXX - Balance {$1400.00} XXXX XXXX - Opened XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX - Balance {$810.00} XXXX XXXX - Opened XX/XX/XXXX - Balance {$1300.00} INQUIRIES : XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 


Please consider this letter my official notification. I request that you take the following actions immediately : 1. Block and delete any accounts, inquiries, or other information that were established or recorded as a result of identity theft. 
XXXX. Provide written confirmation that these fraudulent items have been blocked and deleted. 
XXXX. Ensure my credit report accurately reflects only legitimate accounts and inquiries. 

Enclosed are the following documents to support my request : A copy of my government-issued ID ( e.g., drivers license ). 
Proof of address ( e.g., utility bill ). 
A signed affidavit of identity theft ( if required ) - And my Social Card. 

As required by law, I expect these fraudulent items to be blocked within four business days of your receipt of this request, as outlined in 15 USC 1681c-2 ( a ) ( 2 ).

I trust that this matter will handle promptly and in compliance with federal law. 

I thank you much for your immediate attention to this urgent matter. 


XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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:
This letter is submitted directly by me, and I am not working with any third-party credit repair service. I am a confirmed victim of the 2017 Equifax Data BrXXXX and am exercising my rights under the Fair Credit Reporting Act ( FCRA ). 

Accounts in Dispute SOUTHWEST CREDIT SYSTEMS No valid contract or billing provided; reported as unpaid and in collections.

FCRA Violation : 609 ( a ) ( 1 ) ( A ), 611 ( a ) ( 1 ) ( A ) XXXX  Listed as installment account in collection with unclear status ; unverified. 

FCRA Violation : 623 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ) XXXX XXXX  XXXX entries ) Reported twice with conflicting statuses ; possible duplication. 

FCRA Violation : 605 ( b ), XXXX XXXX XXXX XXXX Reported as unpaid with no proof of debt validity. 

FCRA Violation : 609, 611, 62XXXX Legal Demand Under FCRA 609, 611, 623, and 605 : Provide original signed documentation for verification ( not electronic data ). 

If unverifiable, these accounts must be permanently deleted within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I am reporting multiple inaccuracies on my credit reports across XXXX student loan accounts. 

All XXXX accounts show a XXXX late payment that is not only reported inconsistently across the XXXX bureaus ( some show XXXX, others show XXXX ), but also violate the Fair Credit Reporting Act ( FCRA ) by skipping the required XXXX and XXXX delinquency progression. 

None of the XXXX accounts report any XXXX or XXXX late payments before the XXXX delinquency, which is a violation of FCRA standards. A XXXX delinquency can not exist without first being reported XXXX and XXXX days late. 

I have already disputed this with the credit bureaus. The result on XXXX says dispute resolved, reported by grantor, and on XXXX  it says account previously in dispute, now resolved by data furnisher. However, the incorrect information remains. 

Additionally, there are other reporting errors across the same XXXX accounts, including : Inaccurate date opened ( dates differ by bureau ) These inconsistencies between bureaus and within the accounts show clear violations of FCRA Section 623, which requires furnishers to report data accurately and completely. 

I am submitting screenshots showing : The date inconsistencies ( XXXX XXXX XXXXXXXX ) The missing XXXX lates before the XXXX mark Variations in reported balances and opening dates I respectfully request that the CFPB review these inaccuracies and hold the data furnishers accountable. If the information can not be verified and corrected, I request that the inaccurate XXXX late payments be deleted from my credit reports. If necessary, I am prepared to pursue further legal action for FCRA violations if the data is not corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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:
The Hard inquiries named XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was removed from my XXXX  report but it was not removed from my Transunion and Experian can you guys please make sure its removed from all 3 credit bureaus and not just 1.

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