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

Complaint narrative:
I am writing to form

ally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable. Despite my efforts to resolve this matterincluding
submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: LA

Complaint narrative:
On XXXX I tried to transfer {$20.00} to my XXXX  account from my ReliaCard account. I went to use my card the next day and it wouldnt work so I called them on XXXX and was informed my account had been frozen without my knowledge ( no email, text or call ) because they suspected fraud when I tried to transfer {$20.00} to XXXX. I asked what I needed to do next and they informed me I needed to fax or upload my state id to them through their website. After realizing Im completely locked out of the website and they wont help me reset my password, I sent a fax from my phone. That fax wasnt good enough looked like a childs drawing was the note on my file. I tried to send a better fax on XXXX, which did not get seen until XXXX. Customer relations reached out to hear my complaint, their name is XXXX, she told me to call her the next day ( XXXX ) if it wasnt fixed. I sent a XXXX fax with my state id from the local ups store to ensure it was sent by a professional. XXXX responded to me today saying I needed to fax better copies and theres nothing they can do for me otherwise. I dont think withholding child support is a safe or smart thing to do to a single mother in these times. That account has my mortgage payment, car payment, lights and internet payments that are now all late due to their lack of customer care and only allowing faxes to be sent to confirm someones identity. Every other bank has multiple ways to verify someones identity. Unacceptable to treat people like this just because theyre on a government card. It has been 7 days now of me fighting this, I have called 8 times to have this resolved and keep being told theres nothing I can do and no one higher up to talk to and resolve the issue. Who faxes anymore?! I sent my id to XXXX  through email also.

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 2025-09-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I was first contacted via text message on XX/XX/year>XXXX  from an unknown number stating I owed a debt to Capio Partners. I believed it was a scam due to the fact that I had not received any notice from them prior via mail or phone call. This alleged debt was from a hospital visit over XXXX years ago. I immediately called the hospital from which the alleged debt was acquired. They told me I would have to speak to the debt collection office and forwarded my call directly to Capio Partners. When I was transferred to someone at Capio, I asked them to please validate the alleged debt and requested some information from the woman on the phone. She had the incorrect social security number and an old email that belonged to my younger sister from when she was in XXXX XXXX  ( both of which I would have never given the hospital or a debt collector ). When I asked the woman where she got that email from, she dismissed me and said it was obtained from the original debt account. This led me to believe this was a fraudulent debt collector so I hung up. I then began to receive annoying phone calls from various unknown numbers all day for days on end. I was texted again from another number. At one point, I received 8 phone calls in 4 days. The calls briefly stopped and then I received a letter in the mail from Capio. Their letter was dated at XX/XX/year>. The postage stamp was dated at XX/XX/year>. However, it wasnt forwarded to my correct address until XX/XX/year>. This letter did not list out my right to dispute the debt, but said in response to my dispute of which I never filed. It had 5 pages of my detailed medical records, including XXXX  administered from a hospital visit, which I never gave them permission to have access to. It is now XX/XX/year>XXXX  and I received a notification that a debt collection was marked on my credit report on XXXX. This is in violation of my right to dispute the validation letter in 30 days, according to the Fair Debt Collection Practices Act, specifically 15 U.S. Code 1692G. They also violated the 7-7 rule by contacting me more than 7 times in 7 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute the accuracy and completeness of the account being reported by XXXX XXXX XXXX XXXX XXXX on my credit report. This account is not verified, and I am requesting a full investigation in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i and 1681g.

I request that you immediately : Conduct a full reinvestigation of the disputed account.

Provide me with the method of verification used to confirm the accuracy of this account. 

Furnish all documents used in the verification process, including but not limited to : The original signed contract or credit agreement bearing my signature. 

The original application used to open the account. 

Full account-level documentation, including statements, itemized charges, interest calculations, and any payment history. 

The complete chain of title showing assignment from the original creditor to XXXX XXXX XXXX, including all Bills of Sale or Contracts of Assignment. 

Any Forward Flow Agreement or similar documentation evidencing legal ownership of the account by XXXX XXXX XXXX. 

If the furnisher of this account ( XXXX XXXX Associates ) can not provide these documents or fails to validate the debt in full compliance with the FCRA, you are required to remove the account from my credit report pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). 

A simple electronic data response ( e-OSCAR ) or generic confirmation from the furnisher is not sufficient for verification under the law. 

I also request a complete and detailed explanation of your procedures used to verify this account, as well as the name and contact information of the individual or entity who verified it. 

If you fail to provide proper verification and documentation, or continue reporting unverifiable information, it will constitute a willful violation of the FCRA, and I will consider legal action under 15 U.S.C. 1681n and 1681o.

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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
My mortgage was transferred from XXXX XXXX XXXX XXXX XXXX  on XX/XX/year>. XXXX  acct # is XXXX. XXXX mortgage payment was made in full on XX/XX/year>XXXX  even though RESPA allows 69 days. XXXX XXXX reported to credit bureaus that their account was closed. However, XXXX XXXX  has not reported to credit bureaus that they now service the mortgage. Therefore, on my credit report it appears loan was paid off which dropped my credit score by XXXX points. I spoke with XXXX XXXX  requesting they report the loan transfer to credit bureaus so my score could be corrected. They refused saying they will only report the loan to the credit bureaus if I become delinquent in my payments. Because they refuse to report the mortgage, the credit bureaus can not restore my credit score. Also, my homeowners insurance is due and since there is an escrow for insurance and taxes it should be paid from my escrow. XXXX XXXX  acknowledged they have the insurance bill but refused to pay it on time even though there are more than sufficient funds in the escrow account. I am at an impasse with XXXX XXXX  on resolving both matters. I have contacted Trans Union Credit Bureau and filed a dispute but there is nothing they can do until XXXX XXXX  reports the mortgage. I am appalled that a mortgage servicing transfer we did not request, nor wanted, would affect my credit score negatively. I have NEVER been late with a payment and had a credit score of XXXX before this event. Now due to no fault of mine, my credit score is now XXXX. Is it legal for XXXX XXXX  to not report on time payments on a mortgage to the credit bureaus?

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 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I assert that the incorrect late payment notations on my accounts violate 15 USC 1666. I have consistently made my payments on time, and any errors in this reporting are both unfair and unlawful.

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 2025-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Re : Request for Reconsideration of Denied Fraud Claim Regulation E Protections Case/Claim Number : XXXX Dear Wells Fargo, I am writing to formally dispute your denial of my claim regarding the unauthorized withdrawal of {$23000.00} from my account with the claim number XXXX I reported this transaction to Wells Fargo immediately after receiving a fraud alert on my phone, and I did not authorize this transaction in any form. Per the Electronic Fund Transfer Act and Regulation E ( 12 CFR Part 1005 ), I am entitled to reimbursement for unauthorized electronic fund transfers reported in a timely manner. 

I received a fraud alert from Wells Fargo on [ date/time ] and called your fraud department immediately. 

I confirmed at that time that the transaction was unauthorized. I know this transaction was conducted fraudulently, potentially through the use of a VPN or other methods intended to misrepresent my location and identity. 

I did not provide my card, PIN, account number, or authorization for this transaction. 

I complied fully with Wells Fargos reporting procedures.

Please confirm in writing within 10 business days whether you will reopen the investigation and issue provisional credit pending resolution.

This is the second time I was denied instantly Im beginning to believe you guys arent doing your job at all and just close my case in your favor like everyone else

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 2025-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: TX

Complaint narrative:
I am disputing the account reported by Plaza Services in the amount of {$1300.00}. I have never signed or agreed to any contract with Plaza Services authorizing them to collect, store, or report any personal or financial information about me. This company has failed to provide any original wet signature documentation proving I gave consent. Instead, they rely on vague, incomplete data that does not meet federal validation requirements. 

This is a direct violation of my rights under multiple federal laws, including but not limited to : Fair Credit Reporting Act, 15 U.S.C. 1681s-2 Furnishers must report with maximum possible accuracy and can not report unverifiable or incomplete information.

Fair Credit Reporting Act, 15 U.S.C. 1681i When a consumer disputes information, a full reinvestigation is required. Failure to produce original documentation is not a reinvestigation ; it is negligence.

Fair Debt Collection Practices Act, 15 U.S.C. 1692g Debt collectors must provide validation of the debt upon request, including original contracts signed by the consumer. Plaza Services has not done so.

Fair Credit Reporting Act, 15 U.S.C. 1681b There must be a permissible purpose for obtaining and reporting consumer information. Plaza Services has no such purpose without my consent. 

By reporting this account without verifiable proof, Plaza Services has caused direct and measurable harm to my creditworthiness, financial standing, and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
This account is not being reported correctly. Its listed as a collection, but its also showing as past due. A collection account should never continue to report as currently past due, because thats misleading and doesnt reflect the true status. 

The date opened of XX/XX/year> also looks wrong or misleading. If that date is incorrect, it may be considered re-aging the account, which is not allowed because it unfairly extends how long the account can stay on my credit report. 

Because of these errors, I am asking that this account be deleted from my credit file. If the furnisher can not provide clear proof of the correct status and date, then the account must be removed. Please reinvestigate and send me the results in writing within 30 days, as required by the FCRA.

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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XX/XX/2023, a landlord in XXXX XXXX filed an eviction case against me. The court split the case into two parts : one for possession of the unit and another for monetary damages. This created two case numbers for the same event, but it was only one eviction case. 

The monetary judgment has already been marked satisfied by the court. Despite this, tenant screening agencies ( XXXX and XXXXk ) continue to report both case numbers separately. This makes it appear as if I have two separate evictions, which is inaccurate and misleading. 

I have disputed this reporting before, but the duplicate entries remain on my tenant screening file. As a result, landlords are interpreting the record as multiple evictions, which is not true, and this is causing me and my children to be denied housing. 

This conduct violates multiple consumer protection laws : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i & 1681s-2 ( b ) : The agencies have failed to conduct a reasonable investigation into my dispute.

They continue to report duplicate and unverifiable information.

2. Fair Debt Collection Practices Act ( FDCPA ) : Reporting two evictions where there was only one is deceptive and misleading.

No valid lease, judgment, or public record proving multiple evictions exists. 
3. Gramm-Leach-Bliley Act ( GLBA ) 6801 Privacy : Reporting this eviction information without proper verification raises concerns of improper access and lack of permissible purpose.

4. Lack of Proof of Standing : Neither XXXX nor XXXX has provided proof of ownership, assignment, or a valid legal right to continue reporting these records. 

Because of these violations, the duplicate eviction reporting is not only inaccurate, but also harmful, as it is damaging my ability to secure housing.

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 2025-09-09 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
After filing a complaint for XXXX, my credit card balance was taken from XXXX to XXXX. My concern is while I was facing a medical crisis in XXXX my credit card bill balance was XXXX. I requested statements or proof none given I claimed fraud and theft then as well. Due to my medical emergency, and going thru a home refinance. The bill was paid. I was the victim of fraud and or theft as well as extreme fees. Im only one customer. Im think I have been defrauded to the sum of XXXX dollars in two yrs. I cant imagine im the only one please help get the truth out. XXXX is authorizing these practices and profiting. Iam requesting from bank all transactions made to 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 non-monetary relief
Consumer complaint received 2025-09-09 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: NC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: OH

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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 2025-09-09 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: OH

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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

Complaint narrative:
I am submitting a formal complaint about multiple inaccurate entries on my credit report. These errors have harmed my credit and continue to cause serious financial and emotional distress. I previously spoke with a representative who guaranteed these inquiries would be removed ; they remain.

Company response to consumer: Closed with non-monetary relief