vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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: NY

Complaint narrative:
I am disputing the following information on my Equifax credit report : Charged-Off Accounts 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 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 dispute the accuracy and completeness of these charged-off accounts. Some reflect zero balances, are very old, or lack clear documentation. If Equifax can not provide full verification, including complete payment history, account status, and authority to report, these accounts should be deleted or corrected.

Inquiries No inquiries are listed. Please confirm that no unauthorized or inaccurate inquiries are reporting on my Equifax file. 

Late Payments No late payments are listed. I am requesting confirmation that my payment history is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: World Acceptance Corporation
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violationoffederallaw.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I have been making payments to this debt collector for almost 2 years. The verbal agreement was as long as I pay monthly they wouldnt report on my credit. At the beginning of 2025 my contact number changed - I didnt think to tell the debt collector as they continued to take their money. Come XX/XX/year> I had the money in the account they withdraw from as usual. In XXXX I noticed as the next payment came due that the money hadnt been withdrawn for XXXX so I called them and they explained every 12 months they need verbal communication that I agree for them to withdraw the money. I said I didnt know and then proceeded with the verbal agreement and they withdrew the XXXX and XXXX amount. In XXXX right around my next payment they posted to my credit report. They never explained this would happen on the last call in XXXX. I called them once I noticed this and they said its too late and they cant remove it. I spoke to a supervisor who continuously over talked me then said its my fault and to take accountability and why would I let a company take money without me providing my updated number. She also brought up that the previous year I missed XXXX payment ( with this I also got charged a late fee and since never missed a payment ) This company will not provide any written agreement, nor provide receipt of payment upon request. So my question back is why would I allow a company to take my money with no written agreement or proof of my payments? I also filed a dispute which has been updated to transunion that XXXX at {$0.00} balance and the debt is paid in full/closed. Why is my money still being withdrawn? I need proof of my payments and a written agreement to continue payments if owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: DISCOVER BANK
State: NM

Complaint narrative:
Discover illegally signed me up for a " payment plan '' which I did not then their represetativess said they could refund the money they toook only to be switched to a XXXX named XXXX, who flat out told me she would not.whenI informed her that a former representative named XXXX was able to refund it she said she wasnt going to do it .whenI informed her if she didnt that she was in violation of consumer violation laws so she just laughed in my face and hung up. this was today at XX/XX/year> XXXX mst and th phone number was ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
Chime Dispute Handling Violation and Threat to Delete Dispute # XXXX Dear Consumer Financial Protection Bureau, I am writing to update my existing complaint filed on or around XX/XX/year>, regarding Chime 's handling of Dispute # XXXX for unauthorized transactions totaling approximately {$760.00} with XXXX on XX/XX/year>. This update details a recent interaction that demonstrates further violations of consumer protection laws, including potential abusive practices under your oversight. 

Background on the Dispute : - On XX/XX/year>, I filed the dispute in the Chime app for non-receipt of goods due to immediate hacking and deletion of my XXXX account. 
- Around XX/XX/year>, I requested and Chime reclassified the dispute as unauthorized charges, supported by an email from XXXX confirming unauthorized activity and advising me to dispute with my bank. 
- On XX/XX/year>, Chime issued a chargeback to XXXX. 
- Despite strong evidence, Chime has refused to issue a provisional credit, which appears to violate Regulation E ( 12 CFR 1005.11 ) requiring such credit if the investigation exceeds 10 business days for unauthorized claims. 
- As of XX/XX/year>, over 55 days have passed since filing, with no resolution or meaningful updates, causing significant financial hardship. 

Recent Incident : On XX/XX/year>, I called Chime support ( XXXX ) to inquire about the chargeback status and provisional credit. After escalation, I spoke with a supervisor who was uncooperative, provided no substantive information on the dispute 's progress, and appeared to manipulate the conversation by dismissing my concerns without addressing the facts or timelines. Frustrated by this incompetence, I used the word " XXXX '' once to describe her responses, as they seemed evasive and unhelpful. 

In response, the supervisor threatened to delete or close my dispute entirely due to my language. This threat was inappropriate and retaliatory, as it directly impeded my right to a fair investigation under Regulation E. Chime can not arbitrarily terminate a valid unauthorized dispute based on customer frustration during a call, especially when the supervisor 's handling contributed to the escalation. This conduct may constitute an unfair, deceptive, or abusive act or practice ( UDAAP ) under the Consumer Financial Protection Act, as it hinders consumers from exercising their rights and takes unreasonable advantage during a vulnerable situation.

I have documented the call details and previously submitted escalation messages through the Chime app, demanding resolution by XX/XX/year>. Chime 's ongoing delays, denial of provisional credit, and this threat exacerbate the issue, violating federal protections for electronic fund transfers Thank you for your attention to this matter. I appreciate the CFPB 's role in protecting consumers and look forward to a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Colony Brands, Inc.
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my creditreport.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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:
I am a consumer actively working to correct and rebuild my credit. I have reviewed my credit reports and found multiple inaccurate, unverifiable, and improperly reported items. I have previously disputed these matters with the credit reporting agencies, yet they remain unresolved. I am requesting the CFPBs assistance to ensure compliance with the Fair Credit Reporting Act ( FCRA ). 

Disputed Charged-Off / Derogatory Accounts XXXX Account # XXXX ( XX/XX/XXXX ) XXXX  Account # XXXX ( XX/XX/XXXX ) These accounts are reporting with inaccurate balances, dates, and/or status. Equifax has not produced documentation validating the accuracy, ownership, or completeness of the reported data as required under the FCRA. 

Disputed Hard Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX I did not authorize these inquiries. Equifax has not shown proof of permissible purpose. These inquiries are harming my credit profile and should be removed immediately if they can not be validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: HEARTLAND PAYMENT SYSTEMS INC
State: IL

Complaint narrative:
XX/XX/year> I was charged {$99.00} for an annual subscription fee that I never signed up for. The card it charged was a card I had frozen and not been using the past year. This is a known scam that XXXX does. When you sign up for a local XXXX the vendor typically uses XXXX to process results. But what active does is they take advantage of the runners by adding a free trial for a subscription. But if you cancel before the trial ends they will still charge you and they make it impossible to reach them for a refund. It is sickening that even in the US I have to deal with scammers from my country. Their " advantage '' subscription literally provides not benefits or service and is clearly only there to steal {$100.00} from unsuspecting runners. I genuinely just want my account them deleted and my money refunded. Even if its not the full amount I need something back because they provide nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: Freedom Mortgage Company
State: CA

Complaint narrative:
Paid in full, Erase all negative information, and the amount is wrong, dates are wrong,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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:
DEAR MIDLAND/MCM : XXXX XXXX XXXX ; I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : Original Credit Agreement ( the contract I allegedly signed, if applicable ) Full Itemized Statement ( showing how the balance was calculated ) Forward Flow Agreement ( proving debt transfer from original creditor ) Chain of Title / Assignment Documents ( showing legal transfer of ownership ) Complete Payment History Records ( verifying payments or delinquencies ) Validation Notice ( per FDCPA 1692g ) Notice of Default / Intent to Collect ( as required by law ) Proof of Statute of Limitations ( confirming debt is legally collectible ) Credit Reporting Agreement ( authorizing reporting to bureaus ) Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable.

Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including XXXX XXXX. Trans Union, XXXX XXXX BEH-1, XXXX XXXX Capital Credit, and XXXX XXXX Traunerconfirm that unverifiable or misleading data can not lawfully remain on a consumers credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: AR

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am submitting this complaint regarding Capital Ones inaccurate and/or unverifiable credit reporting and failure to correct disputed payment history after notice.

Capital One is furnishing late payment information to the credit reporting agencies that I dispute as inaccurate and unsupported. In addition, at least one Capital One tradeline has previously been removed from a credit file and later reappeared, raising concerns about improper reinsertion and inaccurate re-reporting of payment history. 

Accounts and Items in Dispute Capital One Acct : XXXX ( Open ) Disputed late payments reporting : XX/XX/XXXX and XX/XX/XXXX Capital One Acct : XXXX ( Closed ) Disputed late payments reporting : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I dispute the accuracy, completeness, and reporting basis of these late payment notations. 

Basis of Complaint Capital One has continued to furnish these late payment entries despite my dispute. When a consumer disputes payment history, the furnisher should be able to substantiate the reporting with complete records. Instead, the responses I have received have been generic verified/accurate statements without providing documentation-based proof. 

For each disputed month, Capital One should be able to provide : The billing statement showing the due date and amount due The payment history/ledger showing the date payment was received and the date it was posted/applied Any records regarding payment processing, reversals, returned payments, or posting delays The specific basis used to determine delinquency for each month disputed If Capital One can not provide complete documentation supporting the late payment reporting, then the late notations should be corrected or removed and the payment history updated accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint because Experian Information Solutions , Inc. has repeatedly violated the Fair Credit Reporting Act ( FCRA ) despite receiving multiple written disputes and ample notice. 
I submitted a written dispute to Experian on XX/XX/year>, followed by a second written dispute on XX/XX/year>, disputing inaccurate personal identifiers, unauthorized inquiries, and multiple inaccurate and unverifiable tradelines, including accounts reported by XXXX XXXX and XXXX XXXX XXXX XXXX. 
Although Experian claims that reinvestigations were completed, Experian failed to mail me the written results of any reinvestigation, failed to mail a revised consumer report, and instead attempted to force portal-only access without my consent. When I accessed the portal, the information was vague, incomplete, and did not satisfy FCRA disclosure requirements. 
More than 30 days have passed since my initial dispute, yet Experian continues to report disputed accounts that were allegedly verified without producing or possessing competent verification, including : No signed contract or agreement No charge-off documentation No itemized accounting No chain of title or proof of authority Experian also continues to report multiple inaccurate name variations and excessive outdated addresses, which materially affect matching accuracy and render any reinvestigation unreliable. 
Additionally, Experian is reporting unauthorized hard inquiries for which no permissible purpose has been established. 
Experians conduct violates, at minimum : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 5 ) Failure to delete unverifiable information 15 U.S.C. 1681i ( a ) ( 6 ) Failure to provide written reinvestigation results 15 U.S.C. 1681g ( a ) Failure to provide full file disclosure 15 U.S.C. 1681e ( b ) Failure to assure maximum possible accuracy This is not an isolated error, but a pattern of noncompliance after notice, constituting willful violations under 15 U.S.C. 1681n.

I am requesting CFPB intervention to require Experian to delete all unverifiable accounts, correct inaccurate personal identifiers, remove unauthorized inquiries, and provide the disclosures mandated by 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