vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 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: SC

Complaint narrative:
All three credit bureaus ( Equifax, Experian, and TransUnion ) are reporting materially false, inaccurate, and impossible information regarding an account listed as XXXX XXXX. 

I disputed the account directly with the credit bureaus. Instead of correcting or deleting the account, the bureaus came back with a lazy, automated verified response, even though the information they verified is factually impossible and violates federal law. 

Major violations I am reporting : 1. The bureaus are reporting a balance of {$950.00}, even though the original/highest balance on the loan is only {$610.00}. 
A closed installment loan can not exceed its original loan amount. This is a blatant violation of FCRA 1681e ( b ) ( duty to report accurate information ). 
2. The account shows late payments occurring AFTER the account was closed on XX/XX/year>. 
Reporting new delinquencies on a closed account is fraudulent, misleading, and illegal. 
3. All three bureaus verified the account despite these clear mathematical and factual impossibilities, proving they did not conduct a reasonable reinvestigation under FCRA 1681i ( a ). 
4. I am being harmed by their refusal to correct obvious errors. This is impacting my creditworthiness and causing financial damage. 

The bureaus did NOT correct the inaccuracies. 
They did NOT request proper verification. 
They simply rubber-stamped the same false data. 

This is exactly why Congress created the CFPB because credit bureaus continue to verify information that is probably false, harming consumers.

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 2025-12-08 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: CO

Complaint narrative:
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! 


XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  INQUIRIES : XXXX - XX/XX/year> XXXX XXXX - XX/XX/scrub>XXXX XXXX - XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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:
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! 


XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Driveway Finance Corporation
State: IN

Complaint narrative:
This is a continuation and escalation of CFPB XXXX # XXXX The original complaint was closed without resolving the central issue : The company is attempting to collect a debt beyond the only written terms they provided. 

Their system showed : XXXX  monthly payments of {$250.00}. 

The dashboard displayed : XXXX scheduled payment No remaining balance No future payments No disclosure of additional payment requirements I made the {$250.00} payment and it was accepted. 

Afterward, Driveway Finance XXXX XXXX claimed I owe multiple payments, but they will not produce : The alleged settlement agreement A payment schedule A contract showing multiple payments Proof I agreed to additional terms Copies of their claimed communication Because no contract exists supporting their claim, they are attempting to collect debt that is not owed. 

This violates : XXXX U.S.C. XXXX ( failure to validate debt ) XXXX XXXX. XXXX ( misrepresentation of debt ) The FTC redirected this matter to CFPB jurisdiction. 
Indiana Attorney General and Indiana XXXX complaints are pending. 

I am requesting supervisory review requiring : XXXX. Production of the alleged multi-payment settlement agreement ; XXXX XXXX. Immediate correction of the account to Paid in Full / {$0.00} balance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: MA

Complaint narrative:
XXXX XXXX  XXXX reported a late credit card payment. I have repeatedly tried to address this directly with XXXX XXXX XXXX. In every exchange, they keep changing their justification for their reporting actions. Each time there is a new excuse/reason. I previously reported this to CFPB. In XXXX 's long response, they failed to address each and every detail I reported, and they added yet another excuse - this one is a complete and total lie. 

At the heart of my complaint is that I have ever used this card before. They initially said that I chose NOT to receive statements, electronic or paper. After appx 9 months, they said they rejected my claim because I have never had a history of late payments. I made it clear that I never used the card before so there was never any payment history. I also never received any emails, text messages or emails when this payment was approaching 30 days late. In their last response to the CFPB, XXXX States that electronic notifications were enabled. This is a lie and contradicts about 10 months of communications I have had with XXXX, including in person with a local bank manager.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I have contacted my attorney over this matter I have requested the original contract from your company because I have no knowledge of being in a contract with any Portfolio Associates therefore this is fraudulent and I take such matters seriously and also XXXX states that no debt or charge offs can be held against my credit because it is considered income and has by all parties notify the IRS as such on a XXXX form effective immediately I am sueing all parties involved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: FL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 


DEPT OF ED/XXXX # XXXX DEPT OF ED/XXXX # XXXX DEPT OF EDXXXX # XXXX DEPT OF ED/XXXX # XXXX DEPT OF EDXXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: LA

Complaint narrative:
These accounts are not mine, and I request their removal within 15 days as mandated 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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
An account is being reported on my credit file by XXXX XXXX XXXX that I do not recognize, did not authorize, and never received any funds for. I have repeatedly requested verification from the credit bureaus and the furnisher, including the bank account number where the alleged loan funds were deposited, a copy of the signed contract, and proof that the loan was ever funded or received by me. To date, none of this information has ever been provided by any party. 

XXXX  previously closed my dispute claiming the request did not come from me even though it did. Experian and XXXX  each responded with generic statements claiming the furnisher verified the account, but continuing to report it without providing any of the required documentation I requested. I specifically asked for verification of the account number, funding details, and proof of disbursement, and the company failed to provide any of it. 

Additionally, the account is being reported inconsistently across all three credit bureaus ( different account names, different balances, and different statuses ), which is a violation of FCRA 607 ( b ) requiring accurate and consistent reporting. XXXX is reporting a {$130000.00} balance to XXXX  and Experian, while XXXX  shows {$0.00}. The open/closed dates and high balance amounts do not match across bureaus. These inconsistencies alone prove the information is unreliable. 

Because the furnisher has failed to provide validation, failed to prove any loan funds were ever deposited into my account, and failed to provide a contract, continued reporting of this account violates FCRA 611, 609, and 623. I am requesting CFPB intervention because the bureaus continue to report this unverified, inaccurate, and unproven account despite my repeated requests for required 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 2025-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I sent out a letter to Midland Credit Management XXXX XXXX, who is a debt collector, attempting to collect credit card ebt for XXXX XXXX. I sent a debt validation letter on XX/XX/XXXX, via XXXX Certified Mail, requesting among other things, proof of the debt, including a copy of the original agreement or contract bearing my signature or demonstrating my liability for the debt, as well as documentation proving that Midland Credit Management XXXX XXXX is legally authorized to collect the debt, and proof of complete ownership by way of documents providing chain of title. 

I also requested that they provide me with a detailed breakdown of the debt including, interest and fees applied, with justification for said interest and fees. Lastly, XXXX also closed my account prior to selling debt, and without notice. 

Although a response was provided, none of the information discussed above were provided. I simply got a letter stating I owed the debt, and provided " Some additional information about your account. '' They also simply provided a letter from XXXX that states stating that my account number ending in XXXX has been sold to Midland Credit Management XXXX XXXX, and provided a bank account statement for the months of XXXX to XXXX of XXXX, and XXXX to XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I have a chase sapphire XXXX  card that has a transaction that wasnt made by on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX is shows that my card was used to pay a dte energy fee or bill that totals over XXXX. I didnt make this transaction at all. On XX/XX/XXXX I had a XXXX charge of XXXX dollars. For that I did received my provisional credit not for the XXXX XXXX  it shows it on my statement balance. I already contacted the bank about this and I was told that I would receive my provisional credit within XXXX business days. I contacted them on XX/XX/XXXX to let them know i didnt not make these transactions. I also already have a new credit card on the way so right now I only have my old card that was charged with that transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: IL

Complaint narrative:
I disputed incorrect information on my credit report, but the credit bureau said my disputes came from a third party, which is not true. I personally sent the disputes myself. I even called to confirm it was me, but they still refused to process them.

I spent money mailing my letters and included documents to prove my identity. Its unfair that they didnt investigate properly. I just want my disputes handled correctly as required by law.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I HAVE NEVER BEEN LATE ON THE ACCOUNTS LISTED AS DELINQUENT.

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 2025-12-08 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Took a loan out with another company with an interest free promotional period if I paid it off by XX/XX/XXXX. I paid off the loan on XX/XX/XXXX and the new owner of loan has continued to charge me. They charged me {$120.00} on XX/XX/XXXX. When I contacted their customer service, Im told that I have to wait 7-15 business days for a refund. Additionally, this may continue to happen because it will take them 1-2 months to make the adjustment to their records. This should be illegal. I made all my payments on time and even paid it off early, yet Im treated like this. Dont these companies want to foster good customers who pay their bills. A 7-15 business days wait for a refund for their mistake is ridiculous, and they cant even stop charging me for 1-2 billing cycles ( 1-2 months ).

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 2025-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Congress has stated that any charge off or collection is considered income and therefore I must receive 1099s for each charge off or collection that is falsely been put on my credit report. I have previously been reaching out to each company and they have not disclosed the original contract so I can see why they are targeting me. Also I have reached out to my attorney and legal action is being notified and I am sueing all parties involved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
New Evidence Submitted Request for Reconsideration and Reopening of Case I am submitting newly discovered, material evidence that was not available to Capital One during their original investigation and denial. XXXX Bank has officially closed the fraudulent account involved in this dispute. This confirmation directly verifies that the transactions were unauthorized and tied to a compromised account. 

This evidence materially changes the status of the case and confirms the legitimacy of my claim. Because Capital Ones investigation was completed before this documentation existed, their determination was made without access to critical information necessary for a fair and complete resolution. 

I am requesting that CFPB re-open the complaint and require Capital One to : 1. Reassess the claim using the newly submitted evidence.

2. Conduct a corrected investigation based on the updated facts.

3. Provide a revised determination in compliance with applicable federal regulations.

The XXXX  Bank account closure notice is attached. 

Thank you for your assistance in ensuring this matter is re-evaluated properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: AL

Complaint narrative:
I woke up to XXXX unauthorized transactions overnight and someone changed all of my information from login to phone # & email on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Home Loan Center, Inc.
State: TX

Complaint narrative:
I applied for an online loan through a legitimate website and received a denial notice. Afterward, I was contacted by phone by someone claiming I had been approved for a loan. The caller represented themselves as being affiliated with a well-known lending company. 

I was instructed to pay required insurance or processing fees in order to receive the loan, including requests involving XXXX XXXX and deposited checks. This raised concerns because legitimate lenders do not require upfront payments to receive loan funds. 

When I independently researched the company, I discovered that the phone number and contact information used did not match the legitimate companys official information, and the real company confirmed I was not approved for a loan. 

The individuals continued to pressure me for payment and made misleading statements. I believe this was a fraudulent loan scam involving misrepresentation of a legitimate company and fake payment requests. I did not authorize or send funds to the scammers and reported the activity immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: NC

Complaint narrative:
I am submitting this complaint to report an issue with a background check conducted by Checkr , Inc. The report they provided contains incorrect and inaccurate information about me, which has negatively affected me. 

I have verified with the Department XXXX Motor Vehicles that my driving record is clear, with no violations, points, or pending issues. However, Checkr reported information that is outdated and incorrect, suggesting that there is still a pending matter on my record. This information is false and does not reflect my current legal status or driving history. 

I have taken all necessary steps to confirm the accuracy of my records, and the DMV has confirmed that there is nothing on file. The error appears to be solely on the part of Checkrs reporting. 

This inaccurate report has caused me inconvenience and potential harm, and I request that the Consumer Financial Protection Bureau investigate this matter and ensure that Checkr corrects the errors immediately. I also request confirmation once the inaccurate information has been removed and updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: CT

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: MO

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 explanation