vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: RI

Complaint narrative:
On XX/XX/year>, I requested immediate correction or deletion of accounts pertaining to, myself, XXXX XXXX, related to a collection of an alleged debt. The documentation that was requested by me regarding this account, that wasn't received, were the following : - I requested that the accounts listed above be reviewed and corrected or deleted in their entirety, ensuring compliance with all applicable laws and fiduciary duties. 
- If corrections or deletions are not made, I demand access to all pertinent information, including but not limited to : - All accounting information and financial instruments related to these accounts. 
- Proof of authority over the accounts or the estate. 
- Details and identification of all parties involved in any investigations or proceedings concerning these accounts or the estate. 
- Any and all documentation supporting the current status or actions taken regarding these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 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: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX, Equifax & XXXXXXXX  credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: GA

Complaint narrative:
Received an debt after moving out of townhouse, the account went to collection agency called Pro-Collect and I paid the debt and never received a letter verifying it was paid and it is still negatively reporting on 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 2025-10-19 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: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-19 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: NV

Complaint narrative:
Subject : Formal Dispute & Deletion Request Charge-Off Account Reporting Violations I am formally disputing the accuracy and compliance of the above-referenced charge-off account as reported on my credit file. Upon close review, I have identified multiple violations of Metro 2 reporting guidelines and FCRA 623 ( a ) ( 1 ) ( A ), which require data furnishers to provide complete and accurate information.

Specifically : - The Account Status ( Metro 2 Base Field 17A ) and Payment Rating ( 17B ) fields are inconsistent with the required coding for charge-off accounts ( Status 97 with matching L rating ). - The Date of First Delinquency ( Base 25 ) is either missing, inaccurate, or has been re-aged to extend the reporting period, violating FCRA 605 ( c ).

- The Payment History Profile ( Field 18 ) does not accurately reflect the delinquency timeline that led to charge-off.

- If this account involves foreclosure or deed-in-lieu, it has been incorrectly reported with Status 97 after foreclosure, which Metro 2 strictly prohibits .

- These reporting inconsistencies materially misrepresent the history and status of the account, making the tradeline inaccurate and incomplete under the FCRA.

Under FCRA 611 ( a ), I request that you conduct a proper reinvestigation of this tradeline and either bring the reporting fully into Metro 2 compliance or delete the account entirely from my credit file.

Failure to maintain accurate reporting after notice of dispute constitutes willful noncompliance under FCRA 616 & 617, and may be subject to civil liability.

Please provide written confirmation of deletion or correction within 30 days of receipt of this letter, as required by law. 
Sincerely, XXXX XXXX Optional Add-On Paragraphs : Re-Aging Violation : The DOFD has been unlawfully re-aged to a later date to extend the reporting period, violating FCRA 605 ( c ).

Post-Foreclosure Error : A charge-off ( Status 97 ) was reported after foreclosure ( 89/94 ), which violates Metro 2 reporting standards.

Incorrect Status/Payment Rating : The Status 97 is not paired with the required L Payment Rating or correct PHP history, making this tradeline inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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:
Kindly delete the false late payment from my account, as it does not reflect my payment history. This inaccuracy has been mentally exhausting and needs urgent attention.

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 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. This inquiry was made without my authorization and is the result of identity theft. Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft claim, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : NAME / ACCOUNT NUMBER XXXX Inquiry XX/XX/year> As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point I may request an extension of the block. During the block, you may not report that my report no longer contains any fraudulent information. 

Several times I have called the bureau reporting these fraudulent accounts in my report, and the CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected in my ability to acquire a new house for my children. These collections were eliminated and not verified by other bureaus. I don't understand how they usually say that these accounts are mine. 

I have requested contracts from this company with my information, and for more than 60 days I have not received any response from them. Please help me immediately delete these accounts. I am attaching supporting identification documents for verification. 

Thank you, Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 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: NV

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2025-10-19 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: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED 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 2025-10-19 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:
Identity fraud was committed against me please remove all accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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:
Identity fraud was committed against me please remove all accounts

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 2025-10-19 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To : LEGAL DEPARTMENT TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX. 
P.O. XXXX XXXX XXXX, TX XXXX This letter is a formal dispute pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., demanding immediate reinvestigation and deletion of all inaccurate, unverifiable, and unauthorized negative entries on my credit file. According to my XXXX Three-Bureau Credit Report ( # XXXX, dated XX/XX/XXXX ), both TransUnion and Experian are reporting derogatory, delinquent, and other adverse data that are inaccurate and misleading. These inaccuracies have directly impacted my FICO scores ( TransUnion XXXX ; Experian XXXX ) and violate federal consumer protection laws. I. LEGAL BASIS FOR THIS DISPUTE 1. FCRA 1681e ( b ) You must maintain maximum possible accuracy.

2. FCRA 1681i ( a ) ( 1 ) ( A ) You must conduct a reasonable reinvestigation within 30 days.

3. FCRA 1681i ( a ) ( 5 ) ( A ) Unverifiable data must be deleted.

4. FCRA 1681c ( a ) Obsolete data can not be reported. 
XXXX. Case Law : - XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) - XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) - XXXX v. XXXX, XXXX XXXX XXXX ( XXXX. XXXX. XXXX ) XXXX. SPECIFIC INACCURACIES IDENTIFIED - Derogatory Accounts : TU lists XXXX, XXXX lists XXXX inconsistent. 
- Delinquencies : XXXX  lists 1, EX lists 13. 
- Outdated names/addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX. 
- Fraud alert on Experian without verification.

III. DEMANDS FOR ACTION XXXX. Delete or correct all unverifiable or inconsistent data. 
2. Provide full method of verification ( 1681i ( a ) ( 6 ) ( B ) ( iii ) ).

3. Cease re-reporting unless certified ( 1681i ( a ) ( 5 ) ( B ) ).

4. Send updated corrected report within 30 days.

IV. NOTICE OF LIABILITY Failure to comply constitutes willful or negligent noncompliance ( 1681n, 1681o ), subjecting you to statutory and punitive damages.

V. CONCLUSION You are now on legal notice that these disputed items are inaccurate, unverifiable, and damaging to my creditworthiness. I expect full compliance within 30 days. 
Sincerely, __________________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XX/XX/XXXX SSN : 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 2025-10-19 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-19 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo closed Customer Financial Protection Bureau case number XXXX but the sender bank claiming have not received on XX/XX/year>, amount of {$39000.00}, and the sender bank requesting XXXX number and call 3 times to XXXX XXXX and she has not returned my call

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 2025-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Blockchain.com, Inc.

Complaint narrative:
Dear CFBP, My name is XXXX XXXX XXXX, and I am submitting this formal complaint regarding Blockchain.coms continued retention of my funds for several months without a legitimate reason or proper process. 

On XX/XX/XXXX, I transferred assets equivalent to approximately XXXX XXXX to Blockchain.com. Over the past year, I have repeatedly contacted the exchanges support to withdraw my funds but have not received assistance. I have complied with all requirements from the exchange to complete KYC verification, and recently the exchange emailed me agreeing to transfer my funds to a wallet address I specified. I followed all their instructions ; however, it has now been more than 10 days without any response, despite multiple follow-ups. No estimated timeline, specific issues, or documentation have been provided. 

This vague and indefinite delay has caused severe financial hardship and raises serious concerns about fair treatment, transparency, and accountability under consumer protection standards and financial regulations. I believe the prolonged withholding of my funds may constitute unjust enrichment, violations of XXXX transparency standards, and potentially financial misconduct. 

I immediately opened support ticket # XXXX XX/XX/XXXX. After XXXX days, Blockchain.com has FAILED TO RESOLVE the issue. Their responses are vague ( " under review '' ) with NO timeline or explanation. This has caused me severe financial hardship - I can not access my own funds for living expenses Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
Synchrony Bank Paypal Credit Case of stolen identity from paypal application.

Fraud case XXXXXXXX XXXX 
Had XXXX balance on this card.Paid off in XX/XX/year>. 

Synchony paypal credit do not want to refund a payment of {$300.00} taken out of XXXX XXXX banking debit card by the Suspect on XX/XX/year>. 
The Synchrony Bank fraud investigation team give me the run around.I need to know how to righteous get my {$300.00} owed 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 monetary relief