vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had an old Capital One credit card that was charged-off many years ago. It should have been scheduled to fall off my credit report soon. Now it is being reported as if it was closed on XX/XX/year> with a {$440.00} balance. This is inaccurate and appears to be illegal re-aging under the FCRA. I request immediate deletion of this account from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: FL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-08-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I have a Comenity Bank/XXXX XXXX credit card. 

The last statement of {$170.00} I paid in full thru my banks online bill pay system. 
I scheduled the payment to be sent on XX/XX/XXXX with a maximum arrival date of XX/XX/XXXX. 

My bank statement shows that the funds were withdrawn on XX/XX/XXXX and that the payment was delivered on XX/XX/XXXX. 

Comenity Bank sent me a statement saying they received my payment on XX/XX/XXXX which is past my Comenity Bank/XXXX  XXXX XX/XX/XXXX statement deadline. 

I called customer service and explained this to them, and they offered to give me a complimentary {$15.00} late fee credit, which the customer service representative said he was going to apply for me ( even though I never told him I wanted the credit ). 

I told him that I am not going to pay this late fee because there is no way my payment took 11 days to get to the payment address. I asked the customer service representative that I wanted a copy of the post-stamped envelope the payment check came in ( from their accounts payable ) but he said he had no way to get it. 

I asked to speak with someone in billing or accounts receivable and he said he didn't have that information. I followed up with my bank and they confirmed that the payment was indeed sent out on XX/XX/XXXX. I took down the representative 's employee ID number- the call center is located in XXXX XXXX XXXX 

I would really like to get this resolved with them as soon as possible. I'm worried this will affect my credit score. Aside from the late fee, I owe like {$4.00} from something I bought in store last statement. I sent that payment in only, but I'm worried that they're going to apply that payment to the late fee. 

Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-29 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: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Around XXXX, i submitted the following documents at Bank of America website : see attached documents which show the Dispute Amount as {$1400.00} ( online purchase date XXXX ) however, Bank of America used A FALSE Dispute Amount {$960.00} XXXX 

Also, i'm disputing the Charge-Adjustment of {$960.00} by Bank of America XXXX XXXX because it should be {$700.00} as the bank statement attached " XXXX XXXX '' shows the TOTAL REFUNDED {$2100.00} while the DISPUTE AMOUNT is {$1400.00}

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 monetary relief
Consumer complaint received 2025-08-29 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Please delete the following accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX SOLAR - Incorrect Personal XXXX CIVIC XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect XXXX XXXX has violated my rights XXXX 

I looked at my credit bureau credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX5 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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 shall ( i ) 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.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I kindly request that you block this information from my credit report within four business days.

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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I am filing this complaint regarding inaccurate reporting of a charged-off account. The creditor is reporting the same account as a charge-off every month, instead of reflecting it as a one-time historical event. 
This practice is misleading, creates the false impression of new derogatory activity each month, and causes significant harm to my credit profile. 
Under the Fair Credit Reporting Act ( FCRA ), furnishers and credit reporting agencies are required to report information that is accurate and not misleading. A charge-off can only be reported once ; it can not be re-aged or re-reported monthly as if it were a new delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: NY

Complaint narrative:
I am requesting a swift investigation into a late payment noted on my credit report, which contradicts my established pattern of timely payments.

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 2025-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: FL

Complaint narrative:
XXXX  XXXX XXXX keeps sending me email and collections by a third party and spamming me with calls.

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 2025-08-29 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:
I am a victim of identity theft and would like the account associated with it removed.

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 2025-08-29 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: GA

Complaint narrative:
I am a victim of identity theft and would like the account associated with it removed.

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 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
All took place on XX/XX/year> Chime Security : Attempt to make a purchase for {$220.00} at XXXX on XX/XX/year>? Reply YES or NO. Msg & data rates may apply. 
Reply No Chime Security : Thanks for confirming your transaction you will be receiving a call shortly. 

Received phone call and was asked about purchase made at XXXX in XXXX XXXX, asked if I had 2 devices in XXXX XXXX  I said no the only device is my phone. They proceed to tell me they were going to close my account and to transfer all my money to my checking account and to transfer it to XXXX and XXXX to sign out of my account and then sign back into new account and funds will be available. Hour and a half later funds still not there. So I called Chime told them situation they then told me I was scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: FL

Complaint narrative:
I have seen that incorrect accounts are still appearing on my credit report, and they have not yet been removed. Due to this matter, I am requesting that the documents Ive provided be carefully reviewed so I wont have to stress about it any longer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I opened a savings account with Navy Federal Credit Union in 2024 when I became a member. After opening the account, the bank requested additional documents, but I did not respond immediately. Without notifying me, Navy Federal froze my account. I only discovered the freeze when I inquired about accessing my funds.

Since that time, my XXXX XXXX XXXX XXXX and my XXXX XXXX XXXX and XXXX have been deposited into this account monthly. As a result, XXXX  of dollars in XXXX XXXX  payments are being held, and I have been unable to access any of it.

I have called and visited branches multiple times and completed numerous Security Appeal Forms. I have also provided extensive documentation, including bank statements, my drivers license, Social Security card, and birth certificate. I even submitted these documents in person, where I was assured they would be processed, only to later discover nothing had been submitted. Despite these repeated efforts, my account remains frozen, and I continue to receive the same runaround.

The freeze has caused serious financial harm. I am unable to meet basic household needs or pay bills. Credit cards are now at risk of default because I can not access my own money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: GA

Complaint narrative:
I am a victim of identity theft and would like the account associated removed.

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 2025-08-29 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: GA

Complaint narrative:
I am a victim of identity theft and would like the account associated removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: AR

Complaint narrative:
On XX/XX/year> XXXX XXXX XXXX  sent XXXX letters, XXXX letter stated they received my Identity Theft letter and that they would investigate. The other letter said based on their investigation, it appears the account was open legitmately because a billing statement was sent to my address and the account was activated from an IP address that is associated with me. 

They did not do a thorough investigation in XXXX day. They did not send verification of the IP address. They did not send a contract signed with my signature and a copy of my ID which is required for credit contracts in the state of XXXX. FCRA 15 U.S.C 1681-2 ( b ) state the Furnisher has a duty to investigate. Once notified by a credit bureau, the creditor/furnisher must conduct their own investigation into the disputed item. They must review all evidence, verify the information, and report back to the bureau. 

They failed to provide written results of the investigation with supporting evidence. 

I am also a victim of the Equifax data breach and all information regarding my identity theft from this breach has been sent to all bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: FL

Complaint narrative:
I am extremely frustrated to see that inaccurate late payments are still showing up on my credit report today, and I have no idea why. Even after refreshing my browser, the errors remain. I need the documents Ive already sent to be reviewed immediately so I can stop worrying about this ongoing problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: FL

Complaint narrative:
A late payment is showing on my report in error, based on my payment record. I request that this be urgently reviewed and 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 non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> LVNV Funding LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Cease and Desist Communication To Whom It May Concern : I am writing to formally notify you, pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), that I demand LVNV Funding LLC and any of its agents, affiliates, or representatives cease all communication with me regarding any alleged debt you claim I owe.

This request applies to, but is not limited to : Telephone calls to my home, cell phone, or place of employment Voicemails, text messages, or emails Postal mail, except as required by law Please note, this letter does not constitute acknowledgment of, nor agreement with, the validity of any alleged debt. I formally dispute any such claim and reserve all rights to request proper validation under 15 U.S.C. 1692g.

Failure to comply with this request will result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Virginia Attorney Generals Office, as well as the pursuit of any legal remedies available to me under state and federal law. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
They opened two XXXX accounts. They have a XXXX XXXX account that is joint and they had opened up a Bank of America account. I have my police report. I have my case number am a victim of identity theft. I recently learned that my personal information was used to open an account at your company without my authorization. I did not open or authorize this account, and I therefore request that it be closed immediately. Please absolve me of all charges on this account and take all appropriate steps to remove information related to this fraudulent activity from my credit files. 
Enclosed are copies of my Identity Theft Report, and my credit report showing the fraudulent items related to your company. Please investigate this matter, close the account, and send me a letter explaining your findings and actions. My name is : XXXX XXXX, ssn : XXXX, XXXX : XX/XX/year>

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