vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The contrast between my consistent on-time payments for this account and the XXXX  caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my XXXX XXXX, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Portfolio Recovery Associates is reporting a collection account on my XXXX  report in the amount of {$1400.00}, opened on XX/XX/2024. This is not my debt. 

I have never received any validation, billing statement, original contract, or documentation identifying the original creditor or proving I owe this account. Multiple disputes have been filed directly with both Portfolio Recovery Associates and XXXX, yet Portfolio Recovery has failed to produce any supporting documentation or remove the tradeline. 

The continued reporting of an unvalidated and disputed account constitutes a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ), as Portfolio Recovery has not conducted a reasonable investigation or corrected inaccurate information after notice of dispute. It also violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ), which requires that collection activity cease until the alleged debt is validated. 

Portfolio Recoverys refusal to provide proof of liability while continuing to report derogatory information has caused ongoing harm to my credit reputation and financial opportunities. I am requesting immediate enforcement action and deletion of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the 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 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LoanCare, LLC
State: TX

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 explanation
Consumer complaint received 2025-10-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing regarding the above-referenced account, which has been reported as charged-off and closed, with a profit and loss write-off. 
For my tax records, I am requesting a copy of IRS Form 1099-C related to this account. If a 1099-C was filed with the IRS, please provide me with a copy at your earliest convenience.

If no 1099-C was issued, I kindly request written confirmation of that fact for my records.

Please mail the requested information to the address listed above. If you require additional information to process this request, you may contact me by phone or email. 
Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: TN

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2025-10-27 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: TN

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2025-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
The is I been with Wells Fargo for so long this the first time I did a claim on my account. I dont know why it was denied but I need my money back

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 2025-10-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: TN

Complaint narrative:
am writing to dispute inaccurate information that appears on my credit report. The disputed item ( s ) are listed below. Please investigate these entries and remove or correct any information that can not be verified as accurate in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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 credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
I recently received an email from Chime stating that my Chime Checking Account is scheduled for closure on XX/XX/XXXX. The email lists my name and old address, confirming this is an account I opened back in XXXX. 

When I called Chime customer service, they gave me access to the account, confirming I could log in successfully. However, they then told me that they can not stop the account closure because the customer didnt open the account, which is not true. I am the original account holder who opened this account in XXXX. 

I explained this to them, but they said their system doesnt allow them to cancel the closure, even though I have verified my identity and proven that I am the rightful owner. This is unfair and makes no sense if they verified me to grant access, then they know Im the legitimate account owner. 

I am requesting that Chime review this issue properly, verify my identity again if necessary, and stop the closure of my account. I believe this may be a system error or mistaken identity issue within their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: AR

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is reporting that I have two open mortgages, when I only have one, The HELOC was transferred from XX/XX/XXXX toXX/XX/XXXXXXXX XXXX ON XX/XX/year>, but they still reporting two mortgagees which shows that I have a big debt damaging my buying power, I need this to be correct immediate.

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 2025-10-27 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: The J. G. Wentworth Company
State: FL

Complaint narrative:
I had filed a previous complaint against JG Wentworth with CFPB due to their not syncing up with my XXXX XXXX  escrow account with JGW 's accounting, and trying to charge me more than {$1200.00}, when I owe {$100.00}, since they were not using the escrow money. I logged over 12 hours of phone calls with JGW, trying to get them to fix this. Nothing but the runaround. I filed the complaint with CFPB, and JGW finally agreed that they had a syncing error, claiming, " Due to a skipped deposit for XXXX and with the next scheduled payment set for XX/XX/XXXX, the remaining balance of {$150.00} which includes {$130.00} in program fees and {$19.00} in XXXX escrow fees will be deducted accordingly. '' JG Wentworth is still incorrect with the math, overcharging me for my graduation from the program by {$51.00}. What I owe is {$25000.00}, minus the {$25000.00} that I paid, which equals {$100.00}, not {$150.00}. They provide no scheduled invoice for this hidden {$19.00} fee they mention, and do not explain why they are charging me an extra {$32.00}, on top of that hidden fee. I've scoured the entire ledger and see no such fees or why they are charging them. They also always send me a preliminary schedule for my payments for consent. I had requested that my next and final payment be in XXXX. It looks as if they are scheduled to yank {$130.00} out of my bank account on XXXX XXXX, without my consent. This will be an overcharge of {$31.00} from what is actually owed for my graduation from the program. After 12 hours of phone calls with JGW and a complaint to CFPB to deal with this, and now another 45 minutes trying to get this overcharge fixed, they continue to try to exhaust me to take whatever nickels and dimes they can get away with. Even more disturbing, I see that they still have me scheduled for 9 more monthly charges of {$520.00} from XX/XX/XXXX to XX/XX/XXXX. This is unacceptable. They need to remove these upcoming payment charges from the schedule and finalize the graduation with a final payment of {$100.00}, not overcharge me {$51.00}, and refund {$31.00} if they end up taking {$130.00} from my bank account on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: CA

Complaint narrative:
I found incorrect details in my personal profile, including outdated or unfamiliar names, addresses, phone numbers, and employment history. Some of this information is not associated with me, and these inaccuracies could lead to misidentification or confusion with others. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my personal information. I am requesting a full investigation and prompt correction of these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: LA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: VA

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

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 2025-10-27 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: GA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
Original debt collector XXXX XXXX, bought alleged debt on XX/XX/XXXX and claims they sent written verification via mail on XX/XX/XXXX. I have not received any letters of verification of debt and i am requesting proof of mail delivery and copy of the letter sent. XXXX XXXX made a derogatory mark on my credit report on XX/XX/XXXX in the amount of {$2200.00}. The alleged debt was sold to Synerprise Consulting Services on XX/XX/XXXX. Meaning the alleged debt was sold over a month before the derogatory remark was made against my credit. XXXX XXXX claims the account was closed as a response from a previous complaint made on XX/XX/XXXX on the CFPB website ( XXXX ). It was actually sold to Synerprise Consulting Sevices. Synerprise Consulting Services also reported the alleged debt on my credit report on XX/XX/XXXX without providing any written statements or validation about alleged debt. The amount Synerprise Consulting Services reported is {$960.00}. To date, I have not received any written statements or verification from either company and have only found out about this through credit alerts. Both companies have reported two different amounts of the alleged debt to my credit in efforts to damage my credit without providing any documentation, proof of ownership, itemized bill or any validation of alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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:
XXXX  is reporting my account as Paid/Closed with a {$0.00} balance, yet my credit file still shows 120 days late XXXX XXXX XXXX  and XXXX XXXX. Transunion dispute result letter only says the item was updated/ XXXX XXXX, without providing any documentation. 

There are clear inconsistencies in the bureaus own data : Transunion lists Date Closed : XX/XX/year>, but also shows Last Payment : XX/XX/year> and maximum delinquency 120 days in XXXX. If the account was closed in XXXX and a payment posted in XXXX, reporting a new 120-day late during that same period is internally contradictory. The tradeline also shows Settled less than full balance, yet no proof was provided to substantiate a charge-off classification or the alleged 120-day delinquency ( e.g., monthly statement for the alleged late months or a full payment ledger ).

I disputed this with the credit bureau ( s ). The response was a generic updated notation that did not fix the error and did not include verification from the furnisher. This is a non-compliant reinvestigation under the FCRA ( failure to ensure maximum possible accuracy and to delete unverifiable information ). The continued publication of 120 days late/ Original Charge-Off on a {$0.00} balance, Paid/Closed account is inaccurate and is harming my credit opportunities.

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