vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: NC

Complaint narrative:
I am exercising my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( b ), to request validation of this alleged debt.

This is not a refusal to pay, but a demand that you provide competent evidence that I have any legal obligation to pay you. Until you provide the requested verification, you must cease all collection activities and communications with me.

Please provide the following documentation and information : The name and address of the original creditor.

A complete, itemized accounting of the alleged debt, including the original amount, payments, and any fees or interest added.

A copy of the original contract or agreement signed by me that contains my signature and binds me to this debt.

Documentation that proves you have been assigned or have the legal authority to collect this specific debt.

The date the debt became delinquent.

Confirmation that this debt is within the statute of limitations for legal action in my state.

I would also like to remind you that if you have already reported this information to any credit reporting agency, it must be reported as " disputed ''.

I expect your response within the legally mandated timeframe. 
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 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear CFPB, I am writing to formally request your assistance in reopening and reviewing my dispute with Bank of America regarding fraudulent transactions that occurred on my Bank of America checking account ending in XXXX. 

The main claim number at issue is XXXX for a total disputed amount of {$24000.00}. 

Summary of Events I experienced identity theft resulting in multiple fraudulent ACH payments to XXXX XXXX from my Bank of America account. 

I immediately reported the fraud to Bank of America and submitted both : FTC Identity Theft Report Police Report Bank of America processed my dispute but split it into multiple claims. 

They credited and approved XXXX portion of the claim ( related to the same fraudulent XXXX XXXX transactions ), but denied the rest, even though all transactions are part of the same identity theft incident and are linked to the same case. 

My Concern Bank of Americas approach is inconsistent and unfair : If they acknowledged and reimbursed XXXX  transaction as fraudulent, all related transactions from the same merchant and same fraud event should be treated the same way. 

Their internal disorganization and decision to split my case into multiple claims should not penalize me, the victim. 

By denying the remaining transactions, they are effectively holding me responsible for fraud that I did not authorize, despite my timely reporting and submission of all required documents. 

What I Am Requesting That the CFPB instruct Bank of America to reopen claim # XXXX and treat all related transactions under XXXX unified case. 

That Bank of America either : Provide verifiable, signed proof that I personally authorized these transactions, or Immediately credit the funds back to my account under the protections of Regulation E, which requires reimbursement for unauthorized electronic fund transfers when reported in a timely manner. 

Supporting Evidence FTC Identity Theft Report ( submitted to Bank of America ) Police Report ( submitted to Bank of America ) Bank of America correspondence showing partial reimbursement was issued for a related transaction but others were denied This situation is creating significant financial hardship for me, and I believe it represents a failure by Bank of America to correctly process a linked set of fraudulent transactions. I respectfully request CFPB intervention to ensure that I am made whole for the total disputed amount. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX, CA

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 2025-09-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing fraudulent accounts appearing on my credit file. These accounts do not belong to me and were never authorized, and their reporting is both false and damaging. Their presence undermines the accuracy and integrity of my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: AZ

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : 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 2025-09-26 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: NY

Complaint narrative:
On my XXXX  and XXXX  credit reports, there is a hard inquiry from Capital One Bank ( USA ), N.A., dated XX/XX/year>. 

I did apply for a Capital One SavorOne card, but the account was immediately placed under an internal identity verification hold. I was unable to use the account, and I chose to close it within five months. Because the account was never properly established or maintained, I do not believe this inquiry qualifies as a permissible purpose under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ). 

I disputed this directly with Capital One and requested documentation showing the permissible purpose for the inquiry, but no proof has been provided. Capital One has continued to allow the investigation to remain on my reports even though it no longer serves a valid credit purpose. 

This inquiry is unfairly damaging my credit profile. It should be removed unless Capital One can provide documentation verifying that the XX/XX/year>, hard inquiry was fully authorized and tied to an active, ongoing account relationship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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:
I am disputing the late payment entry currently reflected on my credit report. My personal records confirm that all payments were submitted on or before their due dates, making the reported late payment inaccurate. This false information is damaging to my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: IL

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 2025-09-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am contacting you regarding the alleged debt that has been reported on my account/credit file. This debt has been illegally placed on my account, and under [ State Statute ___ ] as well as the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), I am formally disputing its validity.

You are hereby notified that : 1. This alleged debt must be immediately removed from my account and all credit reporting agencies, as it was reported in violation of applicable law.

2. You must provide full validation of this debt, including documentation that proves your legal right to collect and that I am legally responsible for this account.

3. Until such proof is provided, any further collection activity, reporting, or communication regarding this matter will be considered a violation of the FDCPA and state law.

If you do not comply, I will not hesitate to file complaints with the [ State Attorney Generals Office ], the Consumer Financial Protection Bureau ( CFPB ), and any other applicable regulatory agencies. I will also consider pursuing legal remedies for damages caused by this unlawful reporting.

This is my formal demand for immediate correction. Please provide written confirmation that this account has been removed from my record within 30 days of receiving this notice. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
I was approved for the card on XX/XX/XXXX and never received the physical credit card in the mail. I have XXXX email tickets open with their customer support team and none were answered. When I call them they just tell me they are escalating my ticket and I never get a follow up. My card status has said its been shipped since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: LA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC.
State: PA

Complaint narrative:
I financed a XXXX XXXX XXXX through Exeter XXXX in XXXX. The XXXX charged on my loan is 27.09 %, which exceeds the maximum legal XXXX of 21 % under the XXXX  XXXX XXXX Sales Finance Act ( XXXXXXXX XXXX XXXXXXXX ) for a used vehicle over XXXX years old. 
Despite registering my vehicle in Pennsylvania and paying XXXX  sales tax, Exeter XXXX is charging an unlawful rate of interest. 

Loan Details : Cash Price of Vehicle : {$21000.00} Dealer Fees & Taxes : {$730.00} ( Processing Fee {$590.00}, Excise Tax {$84.00}, XXXX  Dealer License Tax {$52.00} ) Total Cash Price : {$22000.00} Down Payment : {$2000.00} Unpaid Balance of Cash Price : {$20000.00} Optional Products Added : XXXXXXXX XXXX XXXX {$1000.00} Extended Service Contract : {$2800.00} Total Amount Financed : {$24000.00} Term : XXXX  months XXXX Charged : 27.09 % Monthly Payment : ~ {$700.00} Legal Concern : XXXX  caps XXXX at 21 % for used vehicles over XXXX XXXX XXXX. 

Even excluding optional products, the XXXX on the unpaid balance ( {$20000.00} ) is still approximately 25.5 %, which is over the XXXX  limit. 

At 27.09 % APR, total interest over the life of the loan is approximately {$26000.00}. 

At 21 % APR, total interest would be approximately {$18000.00}. 

This results in an overcharge of roughly {$7500.00}. 

On XX/XX/XXXX, I contacted Exeter XXXX directly to dispute the XXXX and request correction. 

THEIR RESPONSE ON XXXX THE XXXX FOR THIS LOAN IS 27.09 % CURRENTLY YOUR INTEREST PER DAY IS {$18.00}. YOUR ACCOUNT IS TIED TO A DAILY SIMPLE-INTEREST CONTRACT, MEANING INTEREST ACCURES DAILY INTERST DEPENDS STRICTLY ON THE AMOUNT OF DAYSIN BETWEEN XXXX PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing the personal information showing on my credit file. Please delete the following addresses, as I am not residing there : XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. In addition, please delete the employers XXXX XXXX XXXX and XXXX XXXX  XXXX, as I am not employed with these companies. My employer should be updated to XXXX XXXX XXXX, which is where I am employed. Reporting outdated or unauthorized personal information violates 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to ensure maximum possible accuracy. I request immediate deletion of the outdated entries, updating of my personal information, and written confirmation once these changes are made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: NJ

Complaint narrative:
I am writing to formally dispute the late payment entries on my credit report. Despite multiple attempts to have these errors reviewed and corrected, no meaningful action has been taken. I have submitted all necessary documentation and followed up repeatedly, yet the inaccuracies remain unresolved. 
These ongoing issues have caused financial hardship and negatively impacted both my credit and overall well-being. The process of addressing these errors has been frustrating and emotionally taxing. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my financial history, including the correction or removal of outdated, incorrect, or unverifiable information. I am therefore requesting that your office take immediate action to update or remove the disputed late payment entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had made a claim 3 months ago for XXXX And they accredit me back in XXXX, and they decided to take it out of my account on XX/XX/year> so that overdraft my XXXX, after that they kept pmts keep going and they overdraft me with 9 over draft fees or 35 , I called and they said they could only give me back 2, for that said, I havent been working I told them this and they said they couldnt do anything about 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 2025-09-26 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:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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