vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 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: SC

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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$1200.00} Account name XXXX XXXX XXXX Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$0.00} Account name XXXX XXXX Account number XXXX Account type Utility Date opened XX/XX/XXXX Balance {$800.00} Account name XXXX XXXX XXXX Account number XXXX Account type Utility Date opened XX/XX/XXXX Balance {$2400.00} Account name XXXX  XXXX XXXX Account number XXXX Account type Cell Phone Date opened XX/XX/XXXX Balance {$970.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: MI

Complaint narrative:
The interest is XXXX  % which is/ should be illegal to charge

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have requested debt validation and this company continues to conduct a batched investigation if any. They have continuously mailed stall letters to me via XXXX. I demand the following ; XXXX. Securitization history if ever securitized. 
XXXX. Proof that I owe the alleged debt. 
XXXX. XXXX XXXX XXXX. Double Entry Accounting Record 5. A statement that the debt was not discharged through bankruptcy, as I have never filed for bankruptcy.

6. The date of charge-off and the reason for the charge-off.

7. Any documentation of a 1099-C issued in connection with the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: CA

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be in error : 1. Data Breach XXXX XXXX XX/XX/XXXX  This is not mine. I am a victim of a recent data breach and I have included a police report. Please investigate and remove from my credit report. 
2. Data Breach XXXX XX/XX/XXXX  This is not mine. I am a victim of a recent data breach and I have included a police report. Please investigate and remove from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: AL

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. Please help me get these accounts removed immediately. 
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 2025-10-22 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: FL

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am disputing the reporting of this account on my credit report. This account is listed as " Open '' and has no account type specified. The comments on the account are vague or inconsistent ( e.g., " place for collections, '' " customer disputed '' ) and do not provide clear information. 

I note that other accounts on my credit report appear to have the same reporting issues, but this complaint addresses this specific account. 

I request that the company and credit bureau investigate this account and correct the reporting to accurately reflect its status and type. 

I have attached a screenshot of this account to illustrate the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent over Police report and I have requested debt validation along with my Equifax Data Breach proof that i was affected by the data breach.

I have asked that the below accts be removed! 


XXXX XXXX  Account # XXXX {$5800.00} - XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  {$390.00} - XXXX XXXX XXXX Account # XXXX {$4300.00} - XXXX XXXX XXXX  Account # XXXX {$820.00} - XXXX XXXX  XXXX Account XXXX XXXX {$960.00} - XXXX XXXX  Account # XXXX {$16000.00} ( Equifax Only ) - XXXX XXXX Account # XXXX {$1200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
Midland Credit Management says I owe this debt but I have 2 different debt collectors trying to collect the same debt ( indebted and Midland Credit Management ). I asked for validation of debt on XX/XX/year> and was told a letter would be sent. No such letter has been sent instead I received a new letter now over XXXX years later threatening legal matters though two debt collectors tried collecting at the same time and its been added to my credit report. Never have I received a validation of debt which I have the right to under the laws, this has now Violated of the FCRA and My right under Violation of the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Ive found collection accounts on my credit report that I believe may include inaccurate details. Under my rights granted by 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit report that is fully accurate. I am requesting that these accounts be investigated, and if they can not be conclusively verified, they should be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: VA

Complaint narrative:
In XX/XX/XXXX my account with XXXX went into their inhouse collections I set up a settlement to delete. I paid my settlement on XX/XX/XXXX. They erased all my payment history and put collections on XX/XX/XXXX only. Because of this error it dropped my credit score XXXX points. Account was closed in XXXX XXXX when payment was received. But on credit report account was marked closed in XX/XX/XXXX. They are refusing to uphold the agreement. I would have not paid it if I knew it was not going to get deleted.

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 2025-10-22 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original cre
ditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
XXXX : I used my Goldman-Sachs Apple MastedCard to pay for XXXX night of a stay at the XXXX XXXX XXXX in XXXX XXXX XXXX IL XXXX The hotel ran a deposit charge of {$470.00}, which is more than the projected cost of my stay, but this is not unusual. 

XXXX : At check out, the hotel ran a charge of {$300.00}, which was the true cost of my stay. At the same time, the hotel cancelled the charge for the check-in deposit ( {$470.00} ). 

XXXX : I noticed that the check-in charge of {$470.00} still showed as a pending charge on this credit card, which has taken up almost XXXX XXXX of my total credit limit on this card. I called the hotel who verified that this charge was reversed on XXXX. I then called the Goldman Sachs help line for the Apple Card. the informed me that they hold pending charges for XXXX DAYS! This is outrageous. These actions have caused a number of small transactions that are on autopay to be declined. 

I think this XXXX hold on a deposit for a one-night stay at a hotel is XXXX! I will never use this card for a hotel stay again!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I filed for XXXX in XXXX. The documents are written and recorded that XXXX XXXX ( XXXX  ) and Ally ( auto loan ) would not be included and payments would continue to be made direct. The XXXX was for credit cards financing a business that failed under the pressure of product offerings being sold below the business cost through XXXX. 
The payments were scheduled for auto pay with Ally connected to my checking account. After the automatic payments stopped being generated, I contacted Ally to be informed that during a XXXX, Ally will no longer support auto payments. I then logged in to XXXX XXXX ( personal banking institution ) and set up the auto bill pay. As the XXXX was discharged XX/XX/XXXX, I began to check with credit reporting repositories to monitor credit and re-establish my credit. I noticed that Ally was still reporting as XXXX and delinquent payments from XXXX. I contacted Ally only to be told that I was incorrect and the XXXX was not discharged. I was then told to provide proof via faxing the documents to Ally. I did fax the documents. No resolution. All states that the records show the XXXX was not discharged after providing the recorded documents. 
I then inquire about the written contract I have shows that XX/XX/XXXX will be the last payment. However, Ally stated that the last payment is XXXX from the aforementioned ( non-requested or proven ) extension. However, the balance is {$900.00} more than the payoff would have been and I was told this would include fees from the extension. 
I have spent hours on the phone with Ally attempting to speak with someone that unfortunately has a language barrier and the last attempt requested me to explain my concern again differently as they could not understand. I asked to speak with a supervisor to elevate the concern and was told they are all busy and a return call would be made. I have not received a return call yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: GA

Complaint narrative:
Their investigation did not fix an error on my 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 2025-10-22 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: GA

Complaint narrative:
Their investigation did not fix an error on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
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

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 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I am writing to formally request that you cease and desist from any further communication regarding the debt listed under the account number referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am exercising my right to request that you stop contacting me about this debt. As per my rights under the FDCPA, I am requesting that you immediately stop all written and verbal communication with me regarding this debt, including phone calls, letters, or any other forms of contact. If you continue to contact me or engage in collection efforts after receiving this letter, you may be in violation of the FDCPA, which could result in legal consequences. Please take note that this letter does not constitute an acknowledgment or acceptance of the debt. I reserve my right to dispute the debt if necessary and will request further verification of any debt being collected. I trust that you will comply with this request immediately and provide confirmation in writing that no further contact will be made. Also, deleting the invalid collection account on my credit report. 
Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I did not give this company permission to securitize this debt.

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 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I deposited a check that someone gave me. Their check was returned for XXXX. I have been told after I got the money from the person they where closing my account over another person bounced check I deposited in my account.

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 2025-10-22 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: SC

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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