vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS, I GET STRESSED. I WANT THESE TO BE TAKEN OFF FROM MY REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXXXXXX XXXX XXXX XXXX Account not mine XXXX XXXX XXXX XXXX  Account not mine XXXX XXXX XXXX XXXX  Account not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: PA

Complaint narrative:
I am disputing a debt reported by XXXX ( XXXX XXXX ). In XX/XX/, I canceled my account and immediately called XXXX to explain my situation. Due to a medical hardship, I had to leave the country, and XXXX  confirmed by phone that they understood my circumstances. They told me at that time that the matter was resolved and that I did not need to worry further. 

After that call, XXXX never contacted me again by phone, mail, or email. I was never told there was a remaining balance, nor did I receive any written request for payment. Now I see that a balance has been reported to my credit report, but this balance is only related to equipment and not past due payments, since my service bills had been paid. 

This debt is inaccurate and unfair. I explained my hardship, XXXX confirmed that my account was closed in good standing, and I was told there would be no further issues. I am requesting that this invalid debt be removed from my credit reports and that all collection activity stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
Caine & Weiner is reporting a collection account under my name without ever providing proof of its legitimacy or any evidence that I authorized them to possess and use my private information. I fully dispute this account. 

I have never received : A copy of an original signed agreement or application showing I entered into a contract with the original creditor or authorized the transfer of my account to Caine & Weiner. 

Any bill of sale, transfer, or assignment documentation proving this company lawfully acquired or was assigned this account. 

Any itemized statement reflecting how the alleged balance was calculated. 

Any verification of permissible purpose under FCRA 604 ( 15 U.S.C. 1681b ) that explains how they obtained and reported my personal data.

Instead of complying with validation requests, Caine & Weiner continues to report unverifiable information to the credit bureaus. This is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Specifically : FDCPA 809 ( 15 U.S.C. 1692g ) requires debt collectors to provide validation upon request and to cease collection activities until validation is complete. This has not occurred.

FDCPA 807 ( 15 U.S.C. 1692e ) prohibits the use of false, deceptive, or misleading representations in debt collection. Reporting unverifiable data is deceptive by definition.

FDCPA 808 ( 15 U.S.C. 1692f ) prohibits unfair or unconscionable collection methods.

FCRA 623 ( 15 U.S.C. 1681s-2 ) obligates furnishers to ensure maximum possible accuracy in credit reporting. Caine & Weiner has failed this standard.

FCRA 611 ( 15 U.S.C. 1681i ) requires that disputes be reasonably investigated. To date, no meaningful investigation has occurred. 

By continuing to report without producing evidence, this company is not only breaking federal law but also causing substantial and irreparable harm to my credit profile, financial standing, and access to essential opportunities like housing and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This correspondence serves as a formal dispute of an unauthorized account that has been reported under my name. I have no involvement with this account, and I never authorized its creation or use. Its presence is completely false and is harming my financial record.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act ( FCRA ), I5 U.S.C. 1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information ( 15 U.S.C.le ( b ) ) and conduct a reasonable investigation of disputes raised by consumers ( 15 U.S.C. 1681 ). The accounts in question, listed below, contain incorrect information that I have repeatedly disputed : INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I am disputing billing errors on two Synchrony Bank accounts ( a XXXX and a CareCredit account ). My credit union issued loan payoff checks to Synchrony Bank in XX/XX/year>XXXX  to satisfy these accounts in full. Synchrony accepted and applied the payments, then closed my accounts without notifying me. Despite this, Synchrony delayed posting the payments, allowed balances to increase in the interim, and continued charging interest and late fees after payoff and closure. 

Synchrony closed both accounts after payment and provided me with no notice of the closures. 

Despite closure, Synchrony has continued to add new charges, interest, and late fees, which should not occur on closed accounts. 

I notified a Synchrony chat agent in advance that payoff checks were coming, so the bank can not reasonably claim surprise or delay. In addition, I have been receiving daily collection calls, even though these accounts are in dispute. I have formally requested that Synchrony cease telephone contact and handle all communications by U.S. mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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:
Dear Sir/Madam, While checking my most recent credit report, I noticed Fraudulent credit inquiries that I do not recognize and did not authorize anyone to pull my credit report. The inquiries made by the below listed companies : Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXX XXXX XXXX XXXX  Please validate info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security Number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Attached are copies of my state ID. 

Warm Regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: VA

Complaint narrative:
I financed a XXXX XXXX XXXX  through a Covered Care loan with Westlake. My monthly payment is {$160.00}. On XX/XX/year>2025, I sent XXXX a written notice requesting cancellation of the program and stopping all future payments. According to the contract, either party can terminate the agreement with 10 days notice for any reason. I am not asking for a refund, just exercising my right to cancel. 

After my notice, XXXX from XXXX acknowledged my request but refused to cancel, saying I would still owe the lender and referring to extra requirements like sending emails, attending Zoom calls, and completing the course. These requirements only relate to the continuation program or refunds and have nothing to do with my right to cancel. 

XXXX offered two options : 1XXXX XXXX : reduces obligations by about 30 % for refund purposes, but is not needed to cancel. 
2.Early refund : paying 3060 % less in monthly payments, but you lose eligibility for any future reimbursements. 

Westlake has temporarily placed a hold on my loan until XX/XX/scrub> 2025, and confirmed that XXXX is the one who must approve the cancellation. Despite this, XXXX is still refusing to cancel and stop future payments, even though the contract allows me to do so. 

I am asking the CFPB to help enforce my right to cancel the program and stop all future payments, since XXXX is blocking a contractually allowed action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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 writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX XXXX XXXX XXXX XXXXXXXX-VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court US Bankruptcy Court that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I received a card from work for completing a challenge and have yet to find a way to use it. No one is accepting, not even when added to my XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
My Robinhood account was closed back in XXXX and Ive been trying to get my funds back ever since. I have a large amount of liquid cash sitting in that account that I havent been able to access all this time. I dont care about the account being closed, I dont want to have it reopened. I simply want my funds reimbursed to me so that I can allocate them else where. Their customer support has been awful as its impossible to get through to anyone over the phone. The only way to speak with someone is to request a callback which can only be done by logging into your account through the app or website. However, since my account has been closed my access to all functions within the app has also been restricted which means I cant do that. Ive only been able to reach the support team through email and Ive been going back and forth with them for months. Any time I request any information about when my funds will be returned to me they tell me that they can no longer assist me or give me any further information since my account with them has been closed. Ive attached a picture below as an example of one of those emails. I should be able to know when I can expect to have my money returned to me. Ive already missed out on countless investment opportunities in the last few months since theyve been holding my funds, and I still dont have a timeline for when Ill have them transferred back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: NY

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: NY

Complaint narrative:
I am writing to file a formal complaint against Experian, a consumer reporting agency. I have identified inaccurate information on my credit report that is negatively affecting my credit standing. Despite my efforts to dispute this information directly with Experian, they have failed to correct the errors.

I have made a good faith effort to resolve this issue directly with Experian, as required by the Fair Credit Reporting Act ( FCRA ), but the inaccurate information remains on my credit report. Experian has either failed to properly investigate my dispute or has refused to remove the incorrect information.

This failure to correct the inaccurate reporting is a violation of the FCRA, and it is causing me financial harm by negatively impacting my credit score.

I request that the FTC investigate this matter and take action to ensure Experian corrects this error and complies with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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 writing to file a formal complaint against Experian, a consumer reporting agency. I have identified inaccurate information on my credit report that is negatively affecting my credit standing. Despite my efforts to dispute this information directly with Experian, they have failed to correct the errors.

I have made a good faith effort to resolve this issue directly with Experian, as required by the Fair Credit Reporting Act ( FCRA ), but the inaccurate information remains on my credit report. Experian has either failed to properly investigate my dispute or has refused to remove the incorrect information.

This failure to correct the inaccurate reporting is a violation of the FCRA, and it is causing me financial harm by negatively impacting my credit score.

I request that the FTC investigate this matter and take action to ensure Experian corrects this error and complies with federal 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