vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 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: GA

Complaint narrative:
Concern : I am writing to formally file a complaint regarding suspicious and unauthorized activity related to my credit. I believe I may be a victim of identity theft or misuse of my personal information.

The following issues have occurred Unauthorized credit inquiries on my report, Accounts I did not open, Debt collection calls for accounts I do from XX/XX/year> noticed the problem. ] I have already taken the following steps : Ive Placed a fraud alert with the credit bureaus, filed a police report, contacted the creditor ( s ) in question. ] I am requesting the CFPBs assistance to : 1. Investigate the matter and ensure the companies involved follow all legal requirements under the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws.

2. Provide guidance on further steps I should take to protect myself from identity theft and repair any damage caused. 

Enclosed are copies of supporting documents, including [ credit reports, letters from creditors, police report, FTC Identity Theft Report, etc. ]. 

Thank you for your prompt attention to this matter. Please confirm receipt of this complaint and let me know if additional information is required.

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 2025-09-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Harris & Harris, Ltd.
State: AL

Complaint narrative:
according to 1692 c you have violated my right by unlawful communicatons

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: HI

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 1681i ( 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 shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN Name : XXXX XXXX  Account # : XXXX Amount : {$19000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TRANSUNION XXXX XXXX XXXX Account # : XXXX XXXX XXXX Amount : {$8900.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX  Amount : {$19000.00} Date Opened : XX/XX/XXXX XXXX XXXX Account # : Amount : {$11000.00} Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX XXXX XXXX XXXXXXXX Account # : XXXX XXXX Amount : {$9100.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX Amount : {$20000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX Amount : {$0.00} Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX Amount : {$0.00} Date Opened : XX/XX/XXXXXXXX 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 2025-09-26 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX Re : Cease and Desist Notice under 15 U.S.C. 1692c ( c ) Account Number : XXXX To Whom It May Concern : This letter serves as my formal notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), demanding that you immediately cease all communication with me regarding the above-referenced account.

This account is reported as charged off, closed, and carries a balance of {$0.00}. Therefore, there is no valid basis for further collection attempts or communication.

Under 15 U.S.C. 1692c ( c ), once you have received this written notice, you are prohibited from contacting me further except to : 1. Confirm that collection efforts are being terminated, 2. Notify me that you may invoke specific legal remedies, or 3. Notify me that you intend to invoke a specific legal remedy. 

Any further attempt to communicate with me outside of these limited exceptions will constitute a violation of the FDCPA. In addition, any attempt to misreport, inaccurately report, or furnish misleading information about this account to the credit reporting agencies will be treated as a violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

Please provide written confirmation that you have received this notice and will comply with my request. 

Sincerely, [ Your Full Name ] [ Signature ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Collection Management LLC
State: WA

Complaint narrative:
CCMR3 ( collector ) sent a demand letter on behalf of XXXX XXXX XXXX XXXX XXXX XXXX I dispute this debt and requested validation by certified mail. CCMR3 has misrepresented failed to validate the debt as required under 15 U.S.C. 1692g ; threatened collection/legal action while validation was pending ; and/or engaged in misleading representations ( 1692e ). 

Attached : CCMR3 demand letter, copy of promissory note/guaranty forwarded by XXXX, copy of my FDCPA validation letter ( mailed ), proof of certified mailing, amortization schedule, Verified Complaint ( filed by XXXX  ), and relevant communications ( texts, repo documentation ). I request that CCMR3 be required to produce full verification and proof of authority to collect, to cease collection until validation, and to correct any inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/year>, I attempted to create accounts with all XXXX credit bureaus ' websites to monitor my credit. Experian was the only one I could not create an account with because someone had already created an account using my SSN ; but that account has a different name, DOB, email, and phone number attached to it. I requested the following : the account be locked while investigation occurs, an explanation for how this happened, and a detailed report of all information of mine that this person was able to see. I provided Experian with numerous documents to prove my identity. They froze my credit, but i am unable to confirm this since I have no access to my account ( and this person still has access to my account to potentially unfreeze it ). I was told to follow up after XXXX week, but haven't heard anything. I can no longer contact a live person because their automated system keeps hanging up on me and refuses to connect me to their live agents. They did mail me my credit report which has all my information on it correct, so im unsure how they allowed someone with a different name, DOB, etc to open an account with my SSN. Experian also said they would tie my email on the account, but the only thing i get now are notifications that this person is making changes to my account ( that i have no clue what the changes are ) ; do i can only now assume they can see my email too and can tie more of my information to my SSN. Lastly, before their website told me it couldn't create my account, it did try to provide me with verification options relating to the fraudulent person 's contact details ; it appears that the email attached to my account is XXXX email address.

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 2025-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
XXXX XXXX initial report ( claim filed ) after noticing XXXX large transactions one was partially charged to my credit card as well which made me notice it. The payment history shows past transactions to this unknown person which I included in the report. They were smaller amounts- I use PayPal a lot so I always have money in and out I didnt realize it at the time. I also contacted customer service via chat I will upload a picture of that chat on the same day and I followed what they suggested and filed a claim with the credit card company. 



XXXX XXXX I contacted customer service via chat again I will upload screen shots of the conversation explaining what happened through out that time. 


XXXX XXXX I contacted customer service via chat AGAIN to appeal my case and they gave me that response so I called after since via chat was no help. They appealed the care for me and reviewed it. 

XXXX XXXX I believe they closed the case again to the sellers favor despite all my efforts. I do not agree with this XXXX XXXX I emailed them as suggested and got a response on the XXXX which I didnt end up responding to because on the XXXX I called them again. 

XXXX XXXX I called again to appeal the case they said they will have their Tech crew in the back take a look I received no status updates or any confirmation just their word on that but then I checked back on the case page and saw it was closed again on the XXXX XXXX XXXX I called to appeal the case for the XXXX time they told me I couldnt appeal it again because I have restrictions ( I was not told about mind you until this call ) so I had to confirm my identity and call back within XXXX hours to appeal it again. XXXX going to include time logs for that day because I was on hold for a ridiculous amount of time as well as hung up on once. 

XXXX XXXX I called again and I was told Tech crew in the back were still working on it and the associate I was speaking with had a hard time pulling up information on the case which I found really weird. I was told it was going to take some time I do not have patience for that anymore XXXX annoyed and frustrated with all the back and forth this is RIDICULOUS!!! 

XXXX XXXX XXXX filling this complaint because I want ALL my money back its been over a month filled with false promises and little to no help on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Im an authorized user on my husbands capital one venture x credit card. With this card as an authorized user Im entitled to priority pass benefits. I was able to use them before we were married and before I legally changed my name. Ive provided all needed information to have my name changed with capital one but I have yet to receive an updated priority pass with my updated name. Both my husband and I have called capital one and priority pass to try and make the change both say theyve done everything they can and its up to the other company to complete for the name change. I am able to provide any marriage license/ID/needed information to make the change.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX Re : Cease and Desist Notice under 15 U.S.C. 1692c ( c ) Account Number : XXXX To Whom It May Concern : This letter serves as my formal notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), demanding that you immediately cease all communication with me regarding the above-referenced account.

This account is reported as charged off, closed, and carries a balance of {$0.00}. Therefore, there is no valid basis for further collection attempts or communication.

Under 15 U.S.C. 1692c ( c ), once you have received this written notice, you are prohibited from contacting me further except to : 1. Confirm that collection efforts are being terminated, 2. Notify me that you may invoke specific legal remedies, or 3. Notify me that you intend to invoke a specific legal remedy. 

Any further attempt to communicate with me outside of these limited exceptions will constitute a violation of the FDCPA. In addition, any attempt to misreport, inaccurately report, or furnish misleading information about this account to the credit reporting agencies will be treated as a violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

Please provide written confirmation that you have received this notice and will comply with my request. 

Sincerely, [ Your Full Name ] [ Signature ]

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 2025-09-26 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: NC

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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I added two offers presented to me on the Wells Fargo Deals section in my online credit card management page. These deals are presented directly below my list of Wells Fargo credit cards. One offer was 20 % back on a gas purchase, up to {$20.00} back and the other was 15 % cash back on a grocery purchase up to {$15.00} back. 

I made a purchase on XX/XX/year> at XXXX XXXX in the amount of {$79.00} and a gas purchase at XXXX in the amount of {$46.00} on XX/XX/year>. However I was not awarded the cash back as I was owed. When I inquired with Wells Customer Service as to what happened they claimed that the card I used was not an eligible card. The practice is extremely deceptive and unfair as the Wells Fargo deals are presented directly below the credit card list and a consumer can reasonably believe that when they add the offer as required and make a qualified purchase, the deal should be honored.

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 2025-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: GA

Complaint narrative:
b'I am reporting inaccurate and fraudulent information that has appeared on my credit report. I have discovered multiple accounts, including collections, charge-offs, and a repossession, that do not belong to me and/or were the result of identity theft. These accounts are causing harm to my credit profile and are being reported inaccurately.\nThe accounts in question include: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have not authorized these accounts and I am requesting that the Consumer Financial Protection Bureau assist in investigating these matters. I have also filed an identity theft report with the Federal Trade Commission and am disputing these accounts with the credit bureaus directly. This information is incorrect, and I am asking that the companies involved provide validation of these accounts or that they be removed entirely from my credit report.'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
Complaint Statement USAA Late Payment Reporting I am filing this complaint because USAA has failed to correct an inaccurate late payment entry on my credit report from XX/XX/year>, despite my formal dispute submissions, which included supporting documentation proving that the payment in question was not late. 

I did not receive any notice of delinquency or missed payment from USAA, which violates fair reporting and notification standards. Once my credit monitoring alerted me to the reported late payment, I immediately corrected it and resumed making on-time payments. Since then, I have maintained consistent, timely payments and have only two remaining payments left on the account.

I provided documentation to USAA showing that my payment history was current and that I corrected the issue as soon as I was notified, yet they have refused to remove this error from my credit file. 

This is the only negative mark on my credit history. I have consistently taken my credit obligations seriously, maintained responsible financial habits, and ensured timely payments. I have also made substantial efforts to reduce my debt balance. 

Because of this single erroneous late payment, I am being unfairly prevented from accessing opportunities such as credit approval and other financial benefits. The continued presence of this inaccurate information is causing direct and ongoing harm. 
I respectfully request that the CFPB require USAA to : 1. Conduct a full and fair investigation into this dispute.

2. Remove the inaccurate late payment reporting from my credit file. 

XXXX. Provide written confirmation of correction to the credit reporting agencies. 

I am attaching all supporting documents previously submitted to USAA, including payment records, account statements, and communication history. 

I have acted responsibly, followed all dispute procedures, and provided proof, yet USAA has failed to resolve this matter. I ask that the CFPB intervene to ensure compliance with the Fair Credit Reporting Act ( FCRA ) and protect my rights 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