vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FinCo Services Inc DBA Current
State: TX

Complaint narrative:
On XX/XX/year> I checked into a hotel in which I wanted to use my card for payment at the time of check in at XXXX. I was unaware that I did not have enough money in the account for the transaction so the clerk attempted ro run the debit card and the transaction in the amount of {$100.00} showed up in my account while removing that {$100.00} as a pending charge. The merchant said at that time that the card had been declined and I needed to pay the amount with a valid card or in cash. From there I added enough money into the card account to cover the incidentals of {$20.00} required by that hotel and swiped my card for a transaction of {$20.00} and then proceeded to pay the original required amount for room and tax in a cash payment. So at this point it was XXXX on XX/XX/year> and I now had XXXX pending charges from XXXX XXXX on my account. Holding my funds. Since then I have received back into my account the money from the XXXX XXXX for the second transaction however I have am still short the amount of {$100.00} from a pe ding charge from the same merchant made the same day which never should have been taken out at all as it was a declined transaction to begin with. I have a receipt showing I paid in cash for the room and tax and and I have spoken with the merchant. Merchant claims to have no pending hold on any of my funds. So on XX/XX/XXXX, XXXX, today, I got into my account via the Current app and tried asking about the pending transaction with the chat customer service. I was still with questions so I asked for a phone number to speak with an agent. It was provided and at XXXX i made a call to Currents customer service line and spoke with an agent who was unable to help me so I asked for a XXXX in which I was then hung up on after a XXXX minutes amd XXXX seconds of unsuccessful communication. I then called back again to same customer service number ( XXXX ) and eventually was able to speak with a supervisor. I asked why the hold was still there and why it was there at all when the merchant claims it to be a declined transaction to begin with. Merchant never even had the funds to hold. Only the card service was holding my funds. I was told they had a policy of 31 days and I responded with facts of merchant never even holding funds and I was just repeatedly told they could hold it for 31 days despite the merchant having no actual hold on my funds. I asked for a resolution so that I may get my money back and pay them the over draft I owed in order to close my account and they refused. I asked for the next higher person in authority and was turned down. I ended the call after XXXX minutes and XXXX seconds with no resolution to my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
This letter serves as a formal demand for the immediate deletion of a fraudulent charged-off account that is being inaccurately reported on my credit file. I did not open, authorize, or otherwise consent to this account, and I hold no financial responsibility for it. The continued reporting of this false and unverified account is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681.

I have disputed this account multiple times, and to date, it remains unresolved. Under 15 U.S.C. 1681i ( a ), credit reporting agencies and furnishers are required to conduct a reasonable investigation of disputed information and delete any data that can not be verified within 30 days. If a furnisher can not produce documented, legally admissible proof that the account is valid and authorized by me, it must be immediately removed from my credit report in accordance with FCRA Section 611.

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 2025-09-24 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: IL

Complaint narrative:
I am formally disputing certain collection and charge-off accounts on my credit report as inaccurate, outdated, or unverifiable. Despite submitting disputes and supporting documentation, these accounts remain unverified and continue to harm my credit. Under the Fair Credit Reporting Act ( FCRA ), I demand a full reinvestigation of these accounts, and any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to notify you that you are reporting inaccurate and incomplete information in the credit report, which is identified as listed below. I demand an immediate investigation to resolve any inaccuracy on the credit report, or else you must delete them from my credit report. 

1ST PART OF THIS LETTER : CREDIT INQUIRIES! 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

I know that the FCRA states that the only purposes for pulling someones credit report are : firm offer of credit, insurance, court order, or employment. With that being said, I am unaware of the inquiries below, I never authorized such, and I ask that your agency please remove them from reporting on my credit report. 

2ND PART OF THIS LETTER : INACCURATE INFORMATION!

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

I demand to see verifiable proof ( an original consumer contract with my signature on it ) that you have on file for the account ( s ) listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed, and if you are unable to provide me a copy of verifiable proof, you must remove the account ( s ) listed. 

I demand that the following accounts be verified or removed immediately : 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  Please be advised that any and all letters you receive bearing my name have either been prepared by me or by my advisors on my behalf, with my full knowledge and consent. Also, be advised that I am aware that no statute in the FCRA suggests that a Power of Attorney must be provided to you, or that without said Power of Attorney documentation, you are allowed to delay the processing of a consumers letters to you.

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any 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 2025-09-24 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: NY

Complaint narrative:
I am officially challenging several repossession accounts listed on my credit report as incorrect, outdated, or unverifiable. Even after providing disputes and supporting evidence, these accounts remain unverified and continue to negatively impact my credit. Under the Fair Credit Reporting Act ( FCRA ), I request a thorough reinvestigation of these accounts. Any entry that can not be verified with proper documentation must be promptly removed. Noncompliance may lead to legal action to protect and enforce my rights.

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/year>, I mailed Experian a written request for debt verification regarding the following accounts, including a dispute of the XXXX XXXX account that was being inaccurately reported as late : - XXXXXXXX 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  Under the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct a reasonable investigation and provide verification of disputed information within 30 days. 

Despite this requirement, Experian did not provide any verification or response to my XX/XX/year> request. 

On XX/XX/year>, I sent a second letter requesting verification of the same accounts. Once again, Experian failed to provide a response. 

On XX/XX/year>, after XXXX unanswered requests, I mailed Experian a letter stating my intent to sue for noncompliance with the FCRA. 

As of today, Experian continues to report these accounts, including the XXXX XXXX  account with inaccurate late payment history, without providing any verification or evidence from the furnishers. This is a direct violation of 15 U.S.C. 1681i ( reinvestigation of disputed information ). 

This ongoing failure has negatively impacted my credit standing and caused financial harm.

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 2025-09-24 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: AL

Complaint narrative:
I submitted mail to Experian, TransUnion and Equifax. I submitted my Drivers license, Social Security card, FTC report and the list of the hard inquiries I want 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 2025-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
A Capital One credit card account, originally opened in XX/XX/XXXX and closed in XX/XX/XXXX with a {$0.00} balance, continues to be reported inaccurately across all three credit reporting agencies. 
XXXX  reports the account as closed with a {$0.00} balance but shows repeated derogatory late payments ( XXXX lates, XXXX lates ) and remarks such as dispute resolved by grantor. 
XXXX  reports the account as closed with a {$0.00} balance but lists XXXX XXXX for payment status while also showing late history, which is internally inconsistent. 
XXXX  reports the account as Paid/Closed with a {$0.00} balance but still includes multiple XXXX and XXXX late payments, even though the account was closed and paid. 

The inconsistencies across the XXXX bureaus result in materially misleading reporting. Despite prior disputes, these errors remain uncorrected. This inaccurate reporting unfairly damages the consumers credit profile and violates the Fair Credit Reporting Act, which requires maximum possible accuracy and proper reinvestigation of disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am submitting this complaint against multiple furnishers and credit reporting agencies for reporting false, misleading, and unverifiable information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

Upon reviewing my credit report, I identified the following errors and inaccuracies : Wrong Address Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This is not my address and should not appear on my credit file. 

XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Reported High Balance : {$610.00} | Open Date : XX/XX/XXXX Reported Late Payment This account history is inaccurate and unverifiable. 

XXXX XXXX  Account Number : XXXX Reported High Balance : {$650.00} | Open Date : XX/XX/XXXX Reported as Charge Off I dispute this reporting as inaccurate and misleading. 

XXXX XXXX XXXX. 

Account Number : XXXX Reported High Balance : {$35000.00} | Open Date : XX/XX/XXXX Reported Late Payment This is not accurate. 

Dept. of Education / XXXX  Account Number : XXXX Reported High Balance : {$7600.00} | Open Date : XX/XX/XXXX Reported Late Payment This is disputed as incorrect. 

XXXX XXXX XXXX XXXX Account Number : XXXX Reported High Balance : {$6800.00} | Open Date : XX/XX/XXXX Reported Late Payment This reporting is inaccurate. 

Legal Basis for Complaint These errors violate my rights under the FCRA, specifically : 1681e ( b ) : Failure to maintain maximum possible accuracy.

1681i : Failure to properly investigate and correct disputed information.

1681s-2 : Furnishers reporting inaccurate and unverifiable data.

The continued reporting of these false addresses, late payments, and charge-offs is causing serious harm to my creditworthiness and constitutes willful noncompliance with federal law. 

Requested Relief I respectfully request the CFPB to : Investigate these accounts and addresses thoroughly. 

Require the furnishers and bureaus to delete or correct all inaccurate and unverifiable information. 

Ensure my consumer rights under the FCRA are enforced. 

Provide me with written confirmation of the results and corrective actions taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: DISCOVER BANK
State: TX

Complaint narrative:
Unauthorized hard inquiry 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
On XX/XX/year>, Columbia Debt Recovery LLC, dba Genesis contacted me via email regarding an Initial Notice for an alleged debt on behalf of XXXX XXXX XXXX XXXX apartments in XXXX, Texas. The agency gave me until XX/XX/year> to respond to their initial contact regarding the alleged debt. On XX/XX/year>, I mailed out a response to Columbia Debt Recovery LLC, dba Genesis, disputing the debt owed and requested validation of the alleged amount. I even made an offer to settle the debt at half the alleged amount just to prevent the collection from going on to my credit history and deescalate the matter. 

I did not receive either a mailed or electronic response so I took it upon myself to resubmit my dispute and request for validation on XX/XX/year>, via the electronic means Columbia Debt Recovery LLC, dba Genesis provided me in their initial communication. The electronic address provided to me was as follows : XXXX. 

I do not owe the alleged amount. I requested validation of the debt, and as of XX/XX/year> I have still yet to be contacted by this agency regarding the debt. Through the months of XX/XX/year> and XX/XX/year>, the collection did not show up on my credit report. By the end of XX/XX/year>, the collection had been reported to all bureaus. This false debt has significantly hindered my financial viability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am submitting this formal complaint against multiple furnishers and/or credit reporting agencies for reporting false, inaccurate, and harmful information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.

After carefully reviewing my credit reports, I identified the following errors that are damaging my creditworthiness and must be corrected immediately : Wrong Address Reporting ( Identity/Consumer File Mismatch ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses are not mine and were wrongfully attached to my credit profile. This constitutes a failure to maintain accurate consumer reporting under FCRA 1681e ( b ). 

Erroneous Account & Payment History Reporting : XXXX XXXX XXXX XXXX Account No. XXXX High Balance : {$610.00} | Open Date : XX/XX/XXXX | Reported Late Payment This reporting is inaccurate and unverifiable. I dispute the alleged late payment. 

XXXX XXXX Account XXXX. XXXX High Balance : {$650.00} | Open Date : XX/XX/XXXX | Reported Charge Off The charge-off status is being misreported and not validated. 

XXXX XXXX XXXX Account No. XXXX High Balance : {$36000.00} | Open Date : XX/XX/XXXX | Reported Late Payment This account is being inaccurately furnished, and I request a reinvestigation. 

XXXX Account XXXX. XXXX High Balance : {$16000.00} | Open Date : XX/XX/XXXX | Reported Charge Off This alleged charge-off is disputed. The creditor has not provided verification. 

Unauthorized/Questionable Inquiry : XXXX XXXX XXXX XX/XX/XXXX This inquiry was unauthorized and without permissible purpose under FCRA 1681b.

These inaccuracies are a clear violation of my consumer rights. The furnishers and credit reporting agencies have failed in their duty to ensure maximum possible accuracy of the information reported, as required under FCRA 1681e ( b ). Additionally, continued reporting of unverified and false information constitutes willful noncompliance.

Requested Action : Conduct a full reinvestigation of all the above-listed accounts, addresses, and inquiries.

Permanently delete or correct all inaccurate information from my credit file.

Provide me with written confirmation of the results of your investigation and the actions taken.

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 2025-09-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital one claim they cant verify me because I don't remember my old. Phone number and my old username so they won't complete my complaint. I sent my ID verification.

Company response to consumer: Closed with explanation