vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
b'ON XXXX XXXX WAS TAKEN FROM MY CHECKING ACCOUNT. ADVISED SOFI REPS AND ESCALATION DEPARTMENT I DID NOT AUTHORIZE TRANSACTION. STILL REFUSSING TO REFUND ACCOUNT. SPOKE WITH REPS AND ESCALATION DEPARTMENT XXXX XXXX XXXX XXXX STILL NO RESOLVE'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
In XX/XX/year> I received a statement from Comenity Bank for my XXXX account. Balance due was {$37.00} due by XX/XX/XXXX. On XX/XX/XXXX, I returned an item to the store and {$18.00} was credited to my account. On XX/XX/XXXX, I made an online payment of {$18.00} which was the balance left due after the return. My next statement showed the credit and the payment, but included a late fee. By the due date of XX/XX/XXXX, my owed balance for the XXXX statement was $ XXXXWhen I called to clear this up, I was told that since I didn't make the minimum payment stated on the bill I incurred a late fee. Minimum payment was {$29.00}, more than I owed at the due date. Subsequent phone calls and letters from me did not result in any satisfactory outcome. I requested a formal dispute review and got the same form letter I had previously received saying they couldn't help me unless I called. I spoke to 5 different customer reps and no one could help me by phone either. I am at my wits end. What can I do? Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-20 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: IL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-11-20 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: AL

Complaint narrative:
I am writing to dispute the following accounts reported on my credit file by Equifax. These accounts are inaccurately reported, and I request that they be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : ( There are no charged-off accounts listed for Equifax ) Inquiries : XXXX XXXX Date of Inquiry : XX/XX/year> Late Payment Accounts : Ally Financial Account Number : XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am a victim of identity theft. Several accounts have been fraudulently opened and are being reported on my credit report without my authorization. While I was traveling, I lost my laptop, phone, wallet, and all my identity documents which led to unauthorized individuals gaining access to my personal information and opening these accounts in my name Capital one 517805 Credit One Bank NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account has not be report as yet XXXXXXXX XXXX Account has not be report as yet

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX$7500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$13000.00} INQUIRY : XXXX XXXX XXXXXX/XX/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 2025-11-20 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: PA

Complaint narrative:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: CA

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 explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
Subject Line : Debt Collector Unable to Prove Ownership - Illegal Collection & Credit Reporting I am submitting this complaint regarding CREDIT SYSTEMS INT in connection with their attempts to collect on an alleged account that they have failed to validate under federal and state law. The company is furnishing negative information to the credit bureaus and contacting me about a debt they can not legally prove they own or are authorized to collect.

Specifically, I submitted a timely request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In response, the collector failed to provide any of the following critical documents : Proof of ownership of the alleged debt A valid purchase agreement for the CREDIT SYSTEMS INT containing my account A complete and unbroken chain of title from the original creditor to themselves A copy of their state bond or license required to collect Without proof of ownership or a chain of title, CREDIT SYSTEMS INT has no legal standing to pursue collection, report to credit bureaus, or claim any right to payment.

Furthermore, furnishing derogatory credit information under such circumstances constitutes false and misleading representation under 15 U.S.C. 1692e and may also violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for reporting unverifiable or inaccurate information.

I am requesting the following : 1. Immediate deletion of any credit reporting related to this account.

2. Cessation of all collection activity unless and until full validation and legal standing are established.

3. A complete investigation by your agency into CREDIT SYSTEMS INTs practices of reporting and collecting on debts without proper documentation. This complaint is being submitted in good faith to protect my consumer rights. The failure to provide ownership documentation while attempting to collect or damage my credit is not only unethical-it 's unlawful. 

Account Details Collector : CREDIT SYSTEMS INT Original Creditor : XXXX XXXX Alleged Account Number XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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 filing this CFPB complaint because Experian is reporting information that I believe is inaccurate or can not be verified. I am requesting a full reinvestigation under the FCRA. 

XXXX XXXX Acct : XXXX Date : XX/XX/year> Balance : {$2900.00} I believe this reporting XXXX be inaccurate or outdated. I request proper verification or removal. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am disputing these late payment reports as they appear inaccurate or unverifiable. I request that Experian provide documentation of their accuracy or remove them. 

Thank you for your attention. I request that you verify all items directly with the original creditors and delete anything that can not be confirmed.

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 2025-11-20 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: CO

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXX XXXX XXXX | XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This inquiry is not authorized. Please remove it from my credit report immediately XXXX XXXX XX/XX/2025.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: CO

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXX XXXX XXXX | XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This inquiry is not authorized. Please remove it from my credit report immediately XXXX XXXX XX/XX/2025.

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 2025-11-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: GA

Complaint narrative:
upon reviewing my credit report, I notice that there was a significant decrease in my credit score due to Kikoff Lending LLC inaccurately reporting a 60 day late payment and closed the account.This information is incorrect and unfair.Kikoff is in violation of the FCRA and the FDCP in reporting inaccurate information to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights 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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: PA

Complaint narrative:
I am disputing a collection account reported by Columbia Debt Recovery XXXX DBA Genesis for an alleged balance of {$3100.00} related to Mountain View Crossing. This debt is inaccurate, not legally enforceable, and is being reported without any signed contract or proof that I ever agreed to the lease. 

Columbia Debt Recovery sent me validation, but the documents THEY provided show : The lease is completely unsigned by me. 
There is no signature, no initials, no executed page, no acceptance of terms, and no proof that I was financially responsible. 
The XXXX Signatures section is blank. 
The Owner/Agent signature section is also blank. 
There is no co-signer form bearing my signature. 
There is no written agreement showing I agreed to rent payments, fees, or move-out charges. 

Under the Fair Credit Reporting Act ( FCRA ), information reported to credit bureaus must be accurate, verifiable, and based on an actual legal obligation. 
A typed name on an unsigned lease does NOT establish a binding contract. 

The collection agency continues to report this account despite providing XXXX proof that : 1.I agreed to the lease.

2.I accepted financial responsibility.

3.I signed any contract.

4.I received any itemization addressed specifically to me.

This is a violation of both : FDCPA 1692e ( false, deceptive, or misleading representation ), and FCRA 607 ( b ) ( maximum possible accuracy ) and 611 ( failure to properly reinvestigate ).

I am requesting : Immediate deletion of this account from all credit bureaus Correction of my credit file Review of Columbia Debt Recoverys collection practices for reporting false information I have attached : The unsigned lease they provided as validation The move-out charges page ( no signature ) The validation letter from Columbia Debt Recovery Proof of inaccurate reporting Since there is no signed contract, this collection can not legally be reported.

Please note, all pages uploaded were the ONLY pages mailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: MD

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am not able to pay Chase credit card and XXXXXXXX XXXX XXXX Chase company is calling every day and XXXX emails and text me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: OH

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX, XXXX and Portfolio Recovery Associates for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) regarding an alleged debt of {$11000.00} from XXXXXXXX XXXX 
TIMELINE OF EVENTS : On XX/XX/year>, I sent a written debt validation request to XXXX XXXX XXXX XXXX : Certified mail ( tracking number : XXXX ) Email per their instructions The certified mail tracking STILL shows " in transit '' as of XX/XX/year> - 52 days later. 
I have received XXXX response from XXXX XXXX XXXX or Portfolio Recovery Associates - no letter, no email, no phone call, nothing. 
VIOLATIONS : XXXX. FDCPA Violation - Failure to Validate Debt ( 15 U.S.C. 1692g ( b ) ) : They are legally required to cease collection activity and provide debt validation within 30 days of receiving my dispute. They have done neither. It has been 52 days with no response.

2. FCRA Violation - Furnishing False Information ( 15 U.S.C. 1681s-2 ( a ) ) : XXXX XXXX  credit report dated XX/XX/year> shows Portfolio Recovery Associates Account XXXX XXXX with the comment : " Completed investigation of FCRA dispute - consumer disagrees. '' This is demonstrably false. They can not claim to have " completed investigation '' when : I never received any communication from them No validation was provided They never responded to my dispute The certified mail was never delivered They are reporting to credit bureaus that they investigated and validated this debt when they have done no such thing.

3. Continued Collection Activity Without Validation : Despite my timely dispute, they continue to report this debt as valid on my credit report, damaging my credit score and ability to obtain credit.

WHAT I WANT : Immediate deletion of Portfolio Recovery Associates account from all three credit bureauXXXX XXXX XXXX XXXX XXXX XXXX XXXXomplete debt validation including : Original signed contract with XXXXXXXX XXXX XXXXXXXX payment history showing how {$11000.00} was calculated Proof of legal authority to collect Chain of custody documentation Cease all collection activity until proper validation is provided Investigation into their false reporting practices Correction of the false " completed investigation '' comment on my credit report SUPPORTING EVIDENCE : I have documentation including : Copy of my XX/XX/year> dispute letter Certified mail tracking showing " in transit '' status Experian credit report dated XX/XX/year> showing false " completed investigation '' comment No response received from debt collector This company is violating federal law by continuing to report and collect on an unvalidated debt while falsely claiming they completed an investigation. I am being harmed by their illegal practices and request immediate intervention.

Company response to consumer: Closed with non-monetary relief