vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am entitled to a fair and correct credit report. Jefferson Capital has purchased debt from uplift/celtic bank without my permission. This company claims i owe them a debt and under the law : 15 U.S. Code 1692- Congressional findings and declaration of purpose The original debt owner has written this debt off as a charge off, which means the balance is XXXX! 

Please provide me the documentation where i signed something saying i owe Jefferson Capital debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
On XX/XX/XXXX contact Best Buy about the credit card I received through them Citi Bank to ask why my minimum pay was {$860.00}. I was told my promotion had expired or is going to expired. I explained that I thought the promotion was because I had a Best Buy Member and because I had the credit card. I wasn't aware that I would have to pay the balance of the promotion off at the end the 24 month period. I did know if I didn't pay my Credit Card off at the end the 24 month period. I would have to pay interest towards the credit card but not towards no promotion. No ever told me that. I also told them I couldn't afford to pay {$860.00} by the XX/XX/XXXX. The lady basically told me it wasn't anything she could do. I called back the XXXX and talked with another representative I explained my situation again and told the same thing. She told me the way she could help is I will have to pay {$860.00} by the XX/XX/XXXX I was like what. I asked both representative could I make arrangements they said no with the holidays and the fact I am struggling to make ends meet no one could help me at all. My card is also over the spending limit due to them wanting to add promotions fees and interest at 1 time who has that kind of money. I also explained I have higher spending credit cards that doesn't ask for that amount of money they basically wasn't stunting anything I had to say or even cared about it affecting my credit score.

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 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: NV

Complaint narrative:
This complaint concerns a fraudulent collection account being reported and collected by HARRIS under account ending XXXX. I did not open, authorize, use, or benefit from this account. I am a verified victim of identity theft and have already filed a formal FTC Identity Theft Report ( Report XXXX. XXXX, attached ) confirming multiple fraudulent accounts and addresses. 

The FTC report documents identity-theft related accounts, inquiries, and false addresses including XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, which I did not reside at. It also documents fraudulent credit activity, including auto-loan inquiries and several unauthorized collections across different agencies. None of these were created or authorized by me. 

Despite receiving identity-theft documentation, HARRIS continues to report this debt and treat it as valid, violating FCRA 605B, FCRA 611, FCRA 623, and FACTA identity-theft rules. Because HARRIS is acting as a collector, this also violates the FDCPA, including misrepresenting the character and legal status of debt ( 1692e ) and attempting to collect a fraudulent debt ( 1692f ).

This fraudulent reporting is causing harm to my credit, emotional distress, and blocking me from obtaining housing and fair credit terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RS Clark and Associates, Inc.
State: MS

Complaint narrative:
I am filing a complaint regarding a collection account reported by RS Clark for {$200.00}. I dispute this debt because it is not mine. I have never opened this account, authorized any charges, or had any relationship with RS Clark.

Despite previous disputes with the credit bureaus and attempts to resolve this directly with RS Clark, the account remains on my credit reports, causing inaccurate reporting and negatively affecting my credit score and financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: IL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-11-25 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: NJ

Complaint narrative:
After going through my credidt file I noticed hard inquiries that are not mine

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 2025-11-24 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: NY

Complaint narrative:
Subject : Follow-Up Complaint Regarding Verification of Fraudulent Accounts AND FINAL WARNING FOR INMEDIATE REMOVAL ACCOUNT To Whom It May Concern, I am writing to formally follow up on my previous complaint regarding the failure of [ Credit Bureau Name ] to remove fraudulent accounts from my credit report. Despite my submission of a Police Report and an FTC identity theft report ( FTC Report Number : XXXX ), [ Credit Bureau Name ] has claimed that the disputed accounts have been " verified. '' The following fraudulent accounts remain on my credit report, which I have previously identified as resulting from identity theft : XXXX XXXX XX/XX/XXXX / XX/XX/XXXX According to the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681a ( 4 ) : Protects my privacy rights by ensuring that my credit information is accurate and not misrepresented.

15 U.S.C. 1681b ( 2 ) : Details permissible purposes for accessing my credit report, indicating that only authorized parties can access my information.

15 U.S.C. 1681i : Requires credit reporting agencies to conduct a reasonable investigation when information is disputed.

Additionally, I am invoking 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) to request the removal and to demand proof of its verification. Section According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Furthermore, under 15 U.S.C. 1681c-2, credit reporting agencies are mandated to block information identified as resulting from identity theft. The claim of " verification '' does not satisfy these requirements, and it is evident that [ Credit Bureau Name ] has not conducted a thorough investigation, nor have they taken the appropriate actions to remove this fraudulent information.

I also believe that the actions of [ Credit Bureau Name ] may constitute a violation of the Truth in Lending Act ( TILA ), as they have failed to adhere to the obligations concerning accurate reporting and consumer rights. 
I request that the CFPB investigate this matter further and take necessary actions to ensure that these accounts are properly deleted from my credit report. I also seek guidance on the steps I can take to protect my rights as a consumer in this situation. 
Thank you for your prompt attention to this ongoing issue. 
Sincerely,

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 2025-11-24 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: TX

Complaint narrative:
The stated information conveys an incorrect representation of my financial performance. I respectfully request that it be reviewed and updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: United PanAm Financial Corp.
State: SC

Complaint narrative:
United Auto Credit repossessed my vehicle in XX/XX/year> but never sent me the legally required Notice of Sale. State law and UCC requirements mandate that lenders send written notice after a repossession explaining when and how the vehicle will be sold. I did not receive any such notice. 

Because this notice was never provided, the lender can not verify the accuracy or legality of the repossession or the deficiency balance they are reporting to all XXXX  credit bureaus. 

I am requesting that the CFPB review this matter and require United Auto Credit to provide proof that a Notice of Sale was sent. If they can not verify it, I am requesting that the repossession and deficiency balance be removed from my credit reports as unverified information. 

The credit bureaus continue to report data that the lender can not properly validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: NPG Associates, Inc.
State: LA

Complaint narrative:
I am submitting this complaint regarding a bail bonds company that has been contacting me about a debt they claim I owe. The representative who called me was extremely unprofessional, rude, and hung up in my face. She also attempted to intimidate me by saying I could go to jail, which is false and abusive. 

The company is demanding over {$3000.00}, but they refuse to provide any documentation proving that I legally owe this debt. I asked for written proof of any agreement or signature, and instead of providing it, the representative said I was taking food out of their mouth, and threatened me with court and warrants.

I may have co-signed something in XXXX, but I do not recall all the details, and this company is refusing to send verification. They also emailed me calling me the wrong name XXXX XXXX XXXX, showing they do not even have accurate records. 

Their aggressive collection tactics, threats of jail, and refusal to send proof violate consumer protection laws. I am reporting their behavior and requesting that this incident be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am filing a complaint about an incorrect late payment reported by Capital One. 

Here is exactly what happened : At the time of the payment, my Capital One card balance was negative because the bank pulled money from my account when there were not enough funds. When my paycheck was deposited shortly after, Capital One returned the money back to my account. Because the payment was reversed by Capital One, the system showed a negative or incorrect balance. 

After I received my paycheck, I immediately tried to make the payment myself to fix the issue, but the Capital One system/app would not allow me to make the payment. The payment attempt failed even though I had enough money in my bank account. This happened because the earlier payment was reversed by Capital Ones system, not because I refused to pay. 

I was new to the XXXX XXXX at that time and did not understand XXXX well. I did not understand what the system error meant, and I did not know that Capital One reported this as a late payment. 

This late payment was NOT caused by me. It happened because Capital One : 1. Pulled money when there were not enough funds 2. Returned the money later 3. Created a system error that blocked me from making my payment on time I have always paid all of my accounts 100 % on time and even paid off balances early. This single late payment does not represent my true payment behavior and is now damaging my credit score unfairly. 

I respectfully request that Capital One remove this inaccurate late payment from my credit report as a goodwill and accuracy correction under the FCRA. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc.
State: NC

Complaint narrative:
b'Approximately XXXX XXXX XXXX XXXX this collection agency Stated I owed XXXX XXXX XXXXI do not owe them this account is over XXXX  years old. I believe its fraudulent. XXXXCompany Collection Bureau of the Hudson Valley XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX received their payments via ach bank payments and all equipment was returned at that time. I contacted a XXXX  credit bureaus and was told this is a fraudulent accounting. I want this false credit issue removed and my credit restored asap since it was brought down XXXX  pts because of this baseless companies falsehood via XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
I tried to pay a payment on XX/XX/25. i They had approved a loan modification. Every time i sent a payment, it said allow 4 days for the payment to go through. So, after 4 days, it was declined because they and my bank did not work together. My bank account was hacked from another country and i had to close the account and open another. The only problem was, the bank only changed the XXXX number in the account. I tried to pay 4 times. Changed the account number before i sent the first payment. i tried calling to make the payment and when it gave me the account number, there was XXXX accounts that ended with the same XXXX numbers. i have the printouts of when i tried to pay the payments. each time they were decline. so i finally managed to talk to someone explaining my situation, they were very rude to me and told me i needed to change my bank accounts. then less than a week later, i get a foreclose letter in the mail. i am not trying to no pay my bills. ive had health problems and employment problems. But i have gotten them straightened out now. its just going to take me a little while to get back on top of it. If you've ever had financial problem, you know that what little money you get is gone by catching up. nothings left over. Nd the money was in the bank for the payment.

Company response to consumer: Closed with explanation