vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: MN

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
I recently opened an account with sofi. I only had the account for a short time. I deposited my payroll check and a personal check, also from my work. While waiting for these checks to clear, my account was closed. I am now out over {$1100.00}. I was provided with no explanation. I was told I will " receive a phone call ''. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) is reporting a {$530.00} medical collection for XXXX XXXX XXXX XXXX to TransUnion. However, on XX/XX/year> XXXX confirmed in writing that they are no longer servicing my account ( XXXX ). Their own online portal also shows XXXX separate accounts with balances of {$75.00}, {$49.00}, and {$170.00}, totaling {$300.00}, not {$530.00}. 

Experian has already deleted this tradeline based on the same evidence. Equifax does not show this tradeline at all. Despite this, TransUnion only updated the account instead of deleting it, leaving inaccurate information on my credit file. 

This tradeline is both inaccurate and unverifiable : XXXX no longer services the account, and the reported balance is incorrect. Under the Fair Credit Reporting Act, TransUnion is required to delete information that is inaccurate, incomplete, or can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Management Holdings, LLC
State: AL

Complaint narrative:
Credit Management Company is reporting a collection account in the amount of {$850.00} on my credit report. I have no knowledge of this debt and have not received proper validation as required under the Fair Debt Collection Practices Act ( FDCPA 809, 15 USC 1692g ). 

This account was reported as opened on XX/XX/year>, and last updated on XX/XX/year>. It is listed as Placed for XXXX with Credit Management Company as the original creditor. 

I am requesting the CFPB to investigate and require Credit Management Company to : Provide full validation of this debt ( original signed agreement, itemized statements, proof of assignment, and licensing authority ). 

Cease reporting unverified information to the credit bureaus. 

Remove this account if they can not validate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
There was an unauthorized hard inquiry from Chase bank. This was not from me. I have never applied to any Chase card or any credit card in the last few months except XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company 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 2025-08-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC
State: TX

Complaint narrative:
Paid {$1500.00} directly to XXXX on XX/XX/year>. When I asked for a paid off balance, I was told to call back on Friday the XXXX. Called XXXX on the XXXX and was transferred to MRS - they stated they see a payment to XXXX but to get a paid in full balance I was to call back that Monday. Called back on Monday the XXXX - they provide me a statement with a balance of {$270.00} - I told them XXXX said I only owed what I paid them. MRS instructed me that was their charge and they would write it off and call back later that week. Called on Thursday the XXXX then they told me to call back Monday because it says I still owe that amt. I needed a paid in full balance for getting a mortgage so I paid it off knowing they likely of getting a paid off balance was looking like it would never happen

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
This is to add on to complaint number : XXXX. On XX/XX/year>, I followed up with Synchrony for a potential resolution. The best offer they had was I could pay {$99.00} and the account would be caught up. Despite my resistance, I didn't want this to negatively impact my credit score so I begrudgingly paid the money they asked for, with the understanding this would resolve the outstanding balance and everything would be paid off. Today, XX/XX/year>, there is now another {$4.00} fee on this account for " interest on a purchase ''. I submitted this complaint because they tacked on an erroneous fee, late charges pile up and then forced me to pay. They've just done this again while this complaint is ongoing. Synchrony should not be allowed to make up charges on people 's accounts, let that made-up charge accrue late fees and then force customers to pay it off. This is very wrong and quite frankly, it seems illegal for them to be doing this.

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 2025-08-26 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: AZ

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
the company never provided proof of chain of debt validation this is not my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: TX

Complaint narrative:
I am writing to dispute a late payment currently listed on my credit report. My verified records show that all payments were made on time, and the reported late payment is therefore incorrect. This inaccurate entry misrepresents my financial responsibility and negatively affects my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am submitting this complaint regarding the reporting of a debt originally with XXXX XXXX XXXX  and now with Portfolio Recovery Associates. 

On or about XX/XX/XXXX, XXXX XXXX XXXX  reported the account as a charge-off in the amount of {$2600.00}. 

On or about XX/XX/XXXX, Portfolio Recovery Associates began reporting the same account as a collection, for the same balance of {$2600.00}. 

I submitted a debt validation request to Portfolio Recovery Associates, and they responded with a copy of the bill of sale/assignment indicating that the account was transferred to them. 

My concern is that this account is now appearing twice on my credit reportonce as a charge-off with the original creditor, and again as a collection with Portfolio Recovery Associatesboth showing the same balance. I understand that a charge-off may remain on the report ; however, the reporting should not suggest that I owe the balance twice. 

I am requesting that the CFPB review this matter to ensure that : The reporting is accurate and not duplicative, Only the party who currently owns the debt reflects the balance due, and The tradeline information complies with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

I respectfully ask that the original creditor and Portfolio Recovery Associates clarify the reporting and correct any inaccuracies that could misrepresent the status of this debt on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Service International Corp
State: TX

Complaint narrative:
The collection account ( s ) being reported on my credit file are inaccurate, incomplete, and unverifiable, in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681e ( b ) ( failure to assure maximum possible accuracy ), 1681i ( failure to conduct a reasonable reinvestigation ), and 1681s-2 ( furnishers duty to provide accurate and complete information ). The furnisher has failed to provide documented proof of ownership, a full chain of assignment, and records validating the debt pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). Additionally, the data being reported is nonMetro 2compliant, containing inconsistencies in dates, balances, and account status across all three major credit reporting agencies. This is an ongoing violation that continues to cause measurable harm to my creditworthiness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
These entries are noncompliant and must be corrected by deletion within 15 days under USC 1681g.

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 2025-08-26 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: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Complaint Narrative : I am filing this complaint because the credit bureaus are reporting an XXXX XXXX XXXX account that does not belong to me. 

The disputed account details are as follows : Creditor Name XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance : {$0.00} This account is fully paid and not mine. It is inaccurately showing on my report with a late payment, which is damaging my credit. 

I have disputed this information directly with the bureaus under the Fair Credit Reporting Act ( FCRA ), specifically : 602 ( 15 U.S.C. 1681 ) Requires maximum possible accuracy.

605 ( 15 U.S.C. 1681c ) Prohibits the reporting of inaccurate or outdated information.

611 ( 15 U.S.C. 1681i ) Gives me the right to dispute inaccurate information and requires reinvestigation within 30 days.

Despite my disputes, the bureaus continue to report this account as in dispute or with derogatory late payment history. This violates the FCRA and constitutes misleading reporting under the FDCPA 807 ( 15 U.S.C. 1692e ).

I demand that this account be immediately deleted from all my credit files and that written confirmation of its deletion be provided.

I have attached copies of my dispute letters, government-issued ID, proof of address, and credit reports showing the inaccurate reporting.

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