vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-23 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: RentDebt Automated Collections, LLC
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I am writing to you in response to a collection notice and/or a tradeline appearing on my credit report regarding the account listed above. This letter is a formal request for validation of the alleged debt, made pursuant to the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ).

Please provide me with the following documentation to validate this account : XXXX. The name and address of the original creditor and a copy of the original contract or invoice showing that I am legally responsible for this debt. 
XXXX. A detailed itemization of the alleged amount ( {$870.00} ), including all fees, interest, and charges applied. 
XXXX. Documentation showing your legal authorization to collect on behalf of XXXX XXXX XXXX Department. 
XXXX. The date and proof of assignment or transfer of the debt to your company. 
XXXX. A record of any payments made ( the report states 42 % has been paid ). 
XXXX. Proof that I was notified in writing of this collection within XXXX ( XXXX ) days of your placement of the account, as required by law. 
While this debt is being validated, please be advised that : - You may I am writing to you in response to a collection notice and/or a tradeline appearing on my credit report regarding the account listed above. This letter is a formal request for validation of the alleged debt, made pursuant to the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ). 
Please provide me with the following documentation to validate this account : XXXX. The name and address of the original creditor and a copy of the original contract or invoice showing that I am legally responsible for this debt. 
XXXX. A detailed itemization of the alleged amount ( {$870.00} ), including all fees, interest, and charges applied. 
XXXX. Documentation showing your legal authorization to collect on behalf of XXXX XXXX XXXX Department. 
XXXX. The date and proof of assignment or transfer of the debt to your company. 
XXXX. A record of any payments made ( the report states XXXX XXXX has been paid ). 
XXXX. Proof that I was notified in writing of this collection within XXXX ( XXXX ) days of your placement of the account, as required by law. 
While this debt is being validated, please be advised that : - You may not report or continue reporting this account to any credit bureau ( XXXX, Equifax, XXXX  ) until it has been verified.- You may not contact me except to provide the requested documentation. 
If you can not validate this debt, you are required to cease all collection efforts and remove any reference to this account from my credit file If you can not validate this debt, you are required to cease all collection efforts and remove any reference to this account from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
Emergency physicians of XXXX Indiana XX/XX/year> and the insurance company paid it and TransUnion took it off my credit report but Equifax won't take it off of my credit report, XXXX bought the debt from them.XXXX  is showing XXXX Rivers on my credit report showing all these things when they changed over to XXXX XXXX, I was involved in a hit and run around XXXX of XXXX  and the truck was a total loss and I don't think that it should be on my credit report showing all these supposedly late payments.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
To Whom It XXXX Concern : I am writing to formally dispute the Capital One Auto Finance account that is currently appearing on my XXXX credit report. The information being reported is negative, inaccurate, and causing harm to my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), furnishers of information are required to provide data that is accurate, complete, and fully verifiable. At this time, the information reported to XXXX does not meet those standards. 

I am requesting that Capital One Auto Finance : Conduct a full investigation of the reported information ; Verify the accuracy of all negative items being reported ; Correct or delete any information that is inaccurate, incomplete, outdated, or unverifiable ; Provide written confirmation of the results of your investigation. 

This inaccurate reporting has negatively affected my creditworthiness, and I request immediate action to review and resolve the issue in compliance with the FCRA. 

Thank you for your prompt attention. I look forward to receiving written confirmation once your investigation has been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
Re : Complaint Regarding Lender-Placed Insurance and Escrow Overcharge mr. cooper Dear CFPB Team, I am submitting a formal complaint against mr. cooper regarding the improper placement of lender-placed insurance and escrow overcharge on my mortgage account. 
________________________________________ Description of the Issue I have been paying my property taxes and homeowners insurance for several years. On XX/XX/year>, mr. cooper requested proof of my homeowners insurance. I sent it immediately, and a few days later I received an email confirming that everything was in order. On XX/XX/year>, I received a second email requesting proof of my homeowners insurance. I sent it immediately, and a few days later I received an email confirming that everything was in order. On XX/XX/year>, I received a third email requesting proof of my homeowners insurance. I sent it immediately, and a few days later I received an email confirming that everything was in order. 
On XX/XX/year>, I received another email requesting proof of insurance, indicating that the issue persisted. Upon contacting mr. cooper, I was informed that the problem was that the insurance documents did not show the correct property address. My mortgage has been with mr. cooper for several years, and I was never notified about this discrepancy. 
Additionally, on XX/XX/year>, mr. cooper placed a lender-placed insurance policy on my account, for which I am being charged {$840.00} per 71 days, while I was already paying for my own insurance. This caused me to pay twice for insurance coverage. 
To resolve the problem, I contacted my insurance provider to correct the address, but after waiting several days without resolution, I purchased a new homeowners insurance policy and canceled the previous one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX Update XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date : XX/XX/year> To : Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX Re : Request to Update and Delete Outdated/Inaccurate Personal Information - FCRA {$600.00} ( a ) ( 1 ) ( A ), 611 ( a ), and 607 ( b ) To Whom It May Concern : XXXX, XXXX XXXX XXXX XXXX am writing to formally request that Experian update and correct my personal identifying information on file. Please ensure my record reflects the following verified and current details : Current Legal Name : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX, XXXX XXXX, Maryland XXXX I further request that you permanently delete all outdated, inaccurate, or incomplete personal information associated with my credit file, including but not limited to any prior or misspelled names, old addresses, or outdated employer information. Maintaining inaccurate or obsolete personal data violates your duty to ensure maximum possible accuracy under FCRA 607 ( b ) and to correct or delete unverifiable information under 611 ( a ).

This request is made under FCRA 609 ( a ) ( 1 ) ( A ), and I expect confirmation of correction or deletion within fifteen ( 15 ) business days of receipt. Please provide written confirmation once these updates have been completed. 
This communication is submitted in good faith and with full reservation of rights under UCC 1-308, without prejudice. 
Respectfully,

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 2025-11-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
It has been XXXX calendar months since Synchrony put my XXXX XXXX account under review stating that I needed to submit address verification documentation and sign the signature card - can't access funds, can't activate ATM card, can't access online banking etc. 

I provided them the requested verification documents both via email ( XXXX ) and physically mailed them copies of the requested address verification documents and completed signature card XXXX I have called in approximately once a week since then ( totaling XXXX times now ) asking for updates and et cetera. Each time I was told that they had received the verification docs but my account was still under review - and that I would receive a call, email, or otherwise updating me -- > I was told I'd hear back " in a few days '', " by the end of the business week '', and many other comparable claims as to length of time before resolution. 

However, we are now approaching XXXX calendar months of XXXX updates, my account is still as inaccessible and unusable as it has been, and I have no clue how much longer whatever they are doing is going to take. 

I have been as patient as possible, but this is approaching unilaterally unacceptable treatment.

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 2025-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
- UNLAWFUL HOLDS - NO LAWFUL REASON FOR AN XXXX  MONTH HOLD - WIL NOT RELEASE {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
Create an account with XXXX set it up for direct deposit in my work. Phisycal card was never received in the mail. Meanwhile I was able to get a digital card which I was using to pay with my phone. ( XXXX XXXX ) Also I was able to transfer money to my bank account. Payday was here since I didnt have a physical card and I didnt want to pay for transferring money to my bank account I decided to keep my money in my XXXX account. Ill wait for a physical card to arrived and also I was using the digital card for any transaction I need to. Anyways XXXX day for any other reason I check my email and I noticed all this unauthorized transactions been made from my XXXX account. I never got any kind of notification from XXXX app of those transactions being made but as soon as I noticed in my email I called XXXX and let them know that I was seeing like XXXX unauthorized transactions and they told me that I need it to wait for those transactions show as completed transactions so I can file a dispute on those unauthorized transactions. XXXX days later I did called them again and let them know that those unauthorized transactions were showing completed and that I was ready to file a dispute on all those transactions that I did not authorized. They file disputes and they were denied. Reason they were denied first they told me that those transactions were made with my physical card which I never received, I let them know that I didnt have a physical card and that I wanted to file dispute again. Disputes were re-filed second reason they were denied after I told them I didnt have a physical card was that those unauthorized transactions were made with a digital card, I told them that it was impossible since those unauthorized transactions were made at XXXX and XXXX do not take XXXX  XXXX and also those transactions were made in a different city from where I was. Re-filed a dispute with this new information I gave them. Third time those transactions were denied the reason was that whoever did those transactions was aware of the balance which I dont see it as a reason for being denied. Any hacker could know that and more information about my XXXX account. Re-filed a XXXX dispute on those transactions and show them proved that when those transactions were been made I was on the schedule working. And they also denied. XXXX unauthorized transactions were made with different amounts, XXXX of them were returned to me but only the smallest amount. 
Transaction # XXXX {$150.00} @ XXXX Transaction # XXXX {$180.00} @ XXXX Transaction # XXXX {$20.00} @ XXXX Transaction # XXXX {$330.00} @ XXXX Transaction # XXXX {$200.00} @ XXXX Transaction # XXXX {$100.00} @ XXXX Transaction # XXXX {$3.00} @ XXXX Transaction # XXXX {$1.00} @ XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-23 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: MN

Complaint narrative:
I have been the authorized XXXX for a TransUnion XXXX  account since completing required credentialing and training in XXXX. The XXXX  account is used solely for a University XXXX Minnesota XXXX study supporting federally-funded human subjects research. 
Without my knowledge or authorization, TransUnion removed my administrative access in XXXX and allowed continued access to the account by an unauthorized party. This exposed my own regulated data and potentially PHI/PII related to research operations. 
I repeatedly requested that TransUnion freeze the account and provide audit logs identifying all access and administrative changes. These requests were ignored. Instead, the account continued to be accessed while I was locked out, creating an ongoing security and privacy risk. 
On XX/XX/XXXX, I sent a formal enforcement notice to TransUnion requiring restoration of administrative control, forensic access logs, and compliance review under FCRA and XXXX. TransUnion has not provided any information or documentation in response. 
This unauthorized administrative takeover occurred while I was out on sick leave. When I signed into Transunion, my XXXX. Credentials were gone, along with the data I had organized for over XXXX years. I previously notified TransUnion of this unauthorized takeover on XX/XX/XXXX, and provided all relevant details, but no corrective action has been taken.

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 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX hereby submit the following criminal complaint regarding fraudulent and willfully false reporting by XXXX XXXX  and its servicer(s), as well as inaccurate reporting by credit reporting agencies.\n\n1. Parties Involved\n\nFurnisher / Creditor: XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax\n\n2. Description of XXXX XXXX XXXX XXXX accounts (XXXX XXXX XXXX XXXX XXXX have been reported with materially false information to multiple credit bureaus.\nExamples of fraudulent or impossible reporting include:\nTransUnion: Account closed on 1XXXX but a XXXX payment is reported on XXXX This is after closure, which is impossible and also XXXX XXXX  days late). Not Correct\nEquifax: Account is reported as Open, yet charged off and listed with XXXX XXXX days late), which is mathematically impossible given the account history.\XXXX: Missing critical information, such as closure date, last payment, and first delinquency, creating a materially false credit profile.\n\nThese actions constitute:\nFraudulent misrepresentation of account status\nIntentional falsification of financial records\nPotential identity or credit fraud under 18 U.S.C.  1028 and related statutes.\n\n3. Timeline\n\nAccount opened: XXXX XXXX XXXXFirst delinquency: XXXX XXXX XXXXAccount closed: XXXX XXXX XXXX\nLast reported payment on TXXXX XXXX XXXX XXXXEquifax reports ongoing late payments through XXXX XXXX  despite closure.\n\n4. Evidence\n\nCopies of credit reports from XXXX, XXXX, and Equifax\nCopies of formal disputes submitted to each bureau\nLetters and correspondence with XXXX XXXX XXXX XXXX XXXX XXXXCFPB complaints and responses confirming discrepancies\n\n5. Request\n\nI request that this matter be formally investigated as criminal fraud and that I receive a police report or complaint number for documentation and submission as an exhibit in federal or civil proceedings.\n\n6. Declaration\n\nI declare under penalty of perjury that the information contained in this complaint is true and correct to the best my knowledge.\XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX, hereby submit the following criminal complaint regarding fraudulent and willfully false reporting by XXXX XXXX and its servicer(s), as well as inaccurate reporting by credit reporting agencies.\n\n1. Parties Involved\n\nFurnisher / Creditor: XXXX XXXX XXXX Carson Smithfield LLC\nCredit Reporting Agencies: XXXX, Experian, XXXX. Description of Alleged Criminal ActivityXXXX XXXX accounts (Account XXXX XXXX XXXX XXXX have been reported with materially false information to multiple credit bureaus.\nExamples of fraudulent or impossible reporting include:\nTransUnion: Account closed on XXXX, but a XXXX payment is reported on XXXX. This is after closure, which is impossible and also XXXX XXXX  days late). Not Correct\XXXX: Account is reported as Open, yet charged off and listed with XXXX XXXX  days late), which is mathematically impossible given the account history.\nExperian: Missing critical information, such as closure date, last payment, and first delinquency, creating a materially false credit profile.\n\nThese actions constitute:\nFraudulent misrepresentation of account status\nIntentional falsification of financial records\nPotential identity or credit fraud under 18 U.S.C.  1028 and related statutes.\n\n3. Timeline\n\nAccount opened: XXXX XXXX XXXXFirst delinquency: XXXX XXXX XXXXnAccount closed: XXXX XXXX XXXXLast reported payment on XXXX XXXX XXXX XXXX reports ongoing late payments through XXXX XXXX  despite closure.\n\n4. Evidence\n\nCopies of credit reports from XXXX, Experian, and XXXX\nCopies of formal disputes submitted to each bureau\nLetters and correspondence with XXXX XXXX XXXX XXXX XXXX XXXXnCFPB complaints and responses confirming discrepancies\n\n5. Request\n\nI request that this matter be formally investigated as criminal fraud and that I receive a police report or complaint number for documentation and submission as an exhibit in federal or civil proceedings.\n\n6. Declaration\n\nI declare under penalty of perjury that the information contained in this complaint is true and correct to the best my knowledge.XXXX XXXX XXXXXXXXDate: 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 2025-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
In XXXX, XXXX contacted me at my workplace without prior arrangement or consent. This contact was highly inappropriate and unprofessional. During the conversation, XXXX made threats that my case would be shut down through the CFPB if I did not comply with her demands. 
I had no prior knowledge of who XXXX was, nor was I informed by my case manager that such a discussion would occur. The nature of the conversation was coercive and intimidating, and I believe this constitutes retaliation and interference with my rights as a consumer. 
To date, Wells Fargo has not communicated any of this information to me directly. I only became aware of the situation through the CFPB process. 

Details of the Incident : Date of contact : XX/XX/year> Method of contact : Phone Location : XXXXXXXX XXXX XXXX  XXXX Summary of threats : XXXX stated she would have my case shut down through the CFPB. 


I request that the CFPB investigate this matter and take appropriate action to ensure Wells Fargo and its representatives do not engage in intimidation or retaliation against consumers. 

Thank you for your attention to this serious issue. Please confirm receipt of this complaint and advise me of any next steps.

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