vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 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: CA

Complaint narrative:
I AM DEMANDING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS ON MY CREDIT REPORT, AS THEY WERE NEVER AUTHORIZED AND THEIR CONTINUED REPORTING IS A CLEAR VIOLATION OF MY FEDERALLY PROTECTED RIGHTS UNDER THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681I ). DESPITE MONTHS OF DISPUTES AND THE SUBMISSION OF AN FTC IDENTITY THEFT REPORT, THESE FALSE ENTRIES REMAIN, WHICH IS UNLAWFUL. ENCLOSED IS AN INVOICE FOR {$1000.00} FOR THIS VIOLATION, AND IF NOT RESOLVED IMMEDIATELY, I WILL FILE SUIT IN SMALL CLAIMS COURT IN MY CITY AND STATE TO RECOVER DAMAGES. BE ADVISED THAT LATE FEES OF {$1000.00} PER DAY WILL ACCRUE FOR EACH DAY PAYMENT IS DELAYED. I EXPECT IMMEDIATE CORRECTIVE ACTION AND PERMANENT DELETION OF THESE ACCOUNTS WITHOUT FURTHER DELAY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: United Collection Bureau, Inc.
State: LA

Complaint narrative:
This is a hospital bill and because of HIPPAA laws, this alleged debt should not have been sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Midland Credit Management calls copious amounts of times during very early and very late ( after and before ) appropriate hours. Te few times I answered the phone, the agents would hang up or say they can't hear and hang up. When asked to send official correpondence verifying debt ( that I would admissable and acknowledge by court of law ) they never do even with certified mail being sent. Their agents are blatantly disrespectful and attempt to scare you to the extent of health scare.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a 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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
CFPB and FTC Complaint Report Consumer Information Name : XXXX XXXX XXXX Address : XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  Requested Loan Amount : {$340000.00} Requested Interest Rate : 5.750 % Requested Term : 360 months Loan Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Denial : XX/XX/2025 Creditor Information Creditor : XXXX XXXX Bank, XXXX. 
Address : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Consumer Reporting Agencies Involved TransUnion XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXXXXXX, ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, ( XXXX ) XXXX Complaint Summary XXXX XXXX denied my mortgage application based on consumer reports from TransUnion and XXXX XXXX. The adverse action notice issued was incomplete and non-compliant with FCRA 615 ( 15 U.S.C. 1681m ) and ECOA Regulation B ( 12 C.F.R. 1002.9 ). I was not provided full faith and credit. The denial continues a pattern of discrimination by TransUnion, who has previously furnished inaccurate or discriminatory data leading to housing and credit denials. This action has caused financial harm, denial of housing opportunities, and emotional distress. 
Legal Violations - FCRA Violation ( 15 U.S.C. 1681m ) Failure to provide proper adverse action notice - ECOA Violation ( 15 U.S.C. 1691 ( d ) ) Failure to provide accurate statement of reasons for denial - Discrimination in Credit Transactions ( 15 U.S.C. 1691 ( a ) ) - Potential Civil Rights violations ( 42 U.S.C. 3604, FHA ) - Securities Fraud ( 15 U.S.C. 78j ( b ), Rule 10b-5 ) XXXX XXXX misused the security backing my credit application Requested Relief - Enforcement action requiring XXXX XXXX XXXX TransUnion, and XXXX XXXXXXXX to provide compliant adverse action disclosures- Production of full consumer report ( s ) relied upon - Investigation into discriminatory practices under ECOA - Investigation into securities fraud relating to misuse of my application/security - Monetary penalties and consumer restitution - Return of my security, including funds or value received by XXXX XXXX tied to my application

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: UPGRADE, INC.
State: OH

Complaint narrative:
b'On XXXX I booked a XXXX XXXX using Uplift financing. I explicitly declined the optional Vacation Protection insurance, but a $XXXX insurance charge was added to my loan balance without authorization.\n\nI noticed the charge right away and contacted XXXX  to dispute it. On XXXX, XXXX  Guest Solutions Support admitted in writing that I had called promptly and stated the charge was not authorized. However, XXXX  refused to remove it, citing their 10-day cancellation policy. This is not a cancellation issue; it is an unauthorized charge.\n\nSince the booking is financed through Uplift, I am unable to receive a direct refund. I asked Uplift to suspend or correct the charge, but they have not resolved the matter or even responded to my correspondence. I also mailed a certified demand letter to XXXX  on XXXX (XXXX Tracking #XXXX XXXX XXXX XXXX XXXX XXXX).\n\nI am requesting that Uplift suspend collection on the disputed $XXXX charge and work with XXXX  to have the refund applied directly to my loan balance.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XX/XX/year>, I was given a check by email for {$2000.00}. I used Truists mobile deposit feature to immediately deposit it in my account. On XX/XX/year>, the funds were displayed in my bank account as cleared of all administrative holds and able to be spent. Before using any of the money, I called my bank to ensure that if I used these funds, the check could not then be bounced and removed from my account now that it had already shown as cleared and in my account. Unfortunately, as part of a scam, I sent {$1900.00} to a person I believed to be seeking a refund of their {$2000.00} check while also leaving me {$50.00} for the inconvenience of not allowing me to deliver the service I was providing. Sometime on XX/XX/year>, the {$2000.00} deposit was removed from my account. I did not find out until XX/XX/year>, when I immediately called my bank to discuss the issue. They responded that when they tried to pull the funds to deposit, they came from a closed account so they were not able to deposit them and therefore had to remove them from my account. When I informed them an employee the day before had told me that the funds were cleared and available for use, they apologized for the misinformation I was given and said there was nothing they could do to resolve the issue of the {$2000.00} I had just sent out of my account. I now have a balance of - {$1500.00} in my account and the bank has no intention of resolving this issue, despite the fact that I only sent the money out of my account because I was told by them it was cleared and available to be spent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AP

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My information was exposed in the XXXX  data breach. And these inquiries were ran without my consent. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year>, my Capital One credit card ( ending in XXXX ) was used without my authorization for a {$750.00} charge in XXXX, XXXX XXXX. I immediately suspected fraud and later filed a fraud claim. However, Capital One repeatedly refused to resolve my dispute, first claiming it was reported more than 3 months after the transaction, and later stating it was more than XXXX year old. 

Despite my repeated calls and submission of documents, the issue was never resolved, and Capital One continued to charge me ongoing interest, including cash advance interest, which should never have applied to an unauthorized transaction. This has caused me financial loss and great frustration. 

In addition, a customer service supervisor identified as XXXX displayed unprofessional behavior, including dismissive and indifferent responses, refusal to take responsibility, and no effort to provide a solution. This further aggravated my distress. 

Capital Ones mishandling of this case has resulted in unauthorized charges remaining on my account, unfair interest charges over many months, and extremely poor customer service

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Company : PayPal , Inc . 
Product : Credit Card ( PayPal Credit ) Issue : Billing dispute incorrect charges/ service not rendered Summary of Complaint : I am disputing XXXX charges totaling {$410.00} on my PayPal account for airline services I never used. 

- A charge from XXXX XXXX for a seat that I did not use. 

- A charge from XXXX XXXX for a flight that I did not use. 

I filed disputes with PayPal and provided supporting documentation, but both were denied with no explanation. Despite proof that these services were not rendered, PayPal sided with the merchants and refused to issue a refund. They did not honor their buyer protection. Before I filed disputes with Paypal, I went directly to the merchant to resolve the charges but I was denied. 

I escalated this matter to PayPals Executive Office and also filed a XXXX complaint, but the charges remain. This is a violation of the Fair Credit Billing Act, which requires creditors to properly investigate disputes and correct billing errors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FlexShopper, Inc
State: LA

Complaint narrative:
Approved Cash a payday loan company in XXXX, Louisiana which is now called Liberty Tax and Loans, used a debt collection agency called XXXX XXXX XXXX XXXX to collect a debt. I paid XXXX and then they went out of business and never reported I paid the debt to Approved Cash/Liberty Tax and Loans. I visited the Approved Cash/Liberty Tax and Loan to talk with someone and show proof of paying the collection company MidWay because someone impersonating a debt company was threatening me on their behalf had been calling me and my family. Approved/Liberty told me that my bank account proof was no good because the XXXX company didnt contact them about it. After asking what to do the manager informed me to reach out to XXXX but I wasnt able to because they are no longer a company. Even the manager at Approve/Liberty told me they couldnt reach them as well. I have proof showing that I paid XXXX but they wont accept it. Approved/Liberty now has a fake debt collector contacting me and everyone I know about this resolved debt. This person which, is a lady, has contacted me several times and I have explained the situation to her I even asked for a address to send a copy of the proof I have. She refused and continued to make threats toward me and even personal insults. She has my social security number and also knows my banking information. She will not provide a company name nor will she give an address. The number she contacts me from are as follows : XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX. Please help me with this!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: CBC Companies, Inc.
State: AZ

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 explanation