vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 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: CA

Complaint narrative:
I am submitting a follow up on a previous dispute I submitted concerning inaccurate information on my credit report. Upon reviewing my most recent credit report, I continue to find discrepancies regarding the reporting of late payment statuses on several accounts. Despite my prior request, the following accounts still appear to reflect inaccurate or misleading information. I have thoroughly reviewed my personal records and payment history, and I maintain that the late payment reports associated with these accounts are incorrect. I respectfully request a renewed and thorough investigation into these matters, and that the necessary corrections be made as soon as possible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: OH

Complaint narrative:
Get my package Your Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Subject : Urgent Complaint Request for Removal of Negative Credit Items Caused by XXXX XXXX Dear Consumer Financial Protection Bureau, I am submitting this complaint under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Consumer Financial Protection Act, regarding the inaccurate, unverifiable, and harmful negative items currently reported on my Experian credit file. 

Background Due to a data breach and failure to safeguard my personal and financial information, multiple negative entries have been added to my credit report. These derogatory accounts are the direct result of inaccurate or unauthorized reporting, causing serious financial harm, emotional distress, and reputational damage. 

Negative Items Reported The following negative items appear on my Experian report dated XX/XX/XXXX : Collections : XXXX XXXX XXXX  {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX debt buyer ) XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX XXXX ) Charge-Offs : XXXX {$2800.00} ( credit card, charged off ) XXXX XXXX  {$6500.00} ( charged off ) These entries are not supported by proper verification, and their continued reporting violates FCRA 607 ( a ), 609, 611, and 623.

Violations 1.FCRA 607 ( a ) : Failure to ensure maximum possible accuracy of consumer information. 
XXXX.FCRA 609 & 611 : Failure to provide complete documentation and lawful verification. XXXX.FCRA 623 : Furnishers reporting inaccurate, incomplete, and unverifiable data. XXXX.Privacy Failure : Breach of duty to safeguard my personal and financial data. Relief Requested I respectfully demand : XXXX.Immediate removal of all negative accounts listed above from my credit file. XXXX.Written confirmation from Experian and all furnishers that these accounts have been deleted. XXXX.Enforcement of penalties and corrective actions against those found negligent in safeguarding and reporting consumer information. XXXX.Assurance that no further unauthorized or unverifiable information will be reported. 

XXXX XXXX of my Experian, Transunion and Equifax credit report ( dated XX/XX/XXXX ) with negative items highlighted. 
Copy of government-issued ID and proof of address. 
Copies of prior dispute correspondence. 

I request urgent investigation and correction of these matters. Failure to act will result in further complaints to the Ohio Attorney XXXX XXXX XXXX XXXX and potential legal action. 

Thank you for your immediate attention to this matter. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company 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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally opt out of the arbitration agreement contained in your terms of service, as permitted under your agreement. Please consider this letter as my official written notice that I am exercising my right to reject binding arbitration.

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 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have a Capital One Quicksilver XXXX with a {$500.00} credit limit. In XX/XX/XXXX, XXXX XXXX XXXX XXXX attempted to charge my account {$1400.00}. 

This charge was nearly XXXX times my credit limit. 
Capital One initially declined the charge and even sent me a fraud alert text message asking : Did you just try to make this purchase with your XXXX Credit Card ending in XXXX? XXXX XXXX XXXX  Declined {$1100.00}. 
I immediately replied XXXX. 
Despite my explicit denial, Capital One later allowed XXXX to force the charge through, pushing my account balance over {$2000.00}. 

I never authorized over-limit transactions and never opted into over-limit protection. Under the Credit CARD XXXX of XXXX, card issuers must obtain explicit consumer consent before allowing such transactions. 

This means Capital One knowingly allowed a merchant to exceed my credit limit and even overrode my fraud denial to push the charge through. 

Relief Requested : XXXX. Confirmation that I am not responsible for any over-limit charges I did not authorize. 
XXXX. Written assurance that no future force-post or over-limit charges will be processed without my explicit consent. 
XXXX. Confirmation that Capital One recognizes my fraud denial ( text message reply XXXX ) and will treat this as a system failure requiring correction. 
XXXX. Investigation into XXXX  XXXX  practice of allowing merchants to override credit limits and fraud denials. 

Supporting Evidence Available : Text message from Capital One showing the declined charge and my XXXX  response. 
XXXX receipt showing {$1400.00} in Miscellaneous charges. 
Credit card statement showing a {$500.00} limit and over {$2000.00} posted balance caused by this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I pay my bills on time! 

XXXX XXXX XXXX XXXX XXXX  has wrongly charged me a " XXXX XXXX '' of {$28.00}! 
XXXX  I had cancelled my contribution to XXXX XXXX XXXX XXXX XXXX XXXX but XXXX continues to charge me for it over several months at {$5.00} per month that I had NOT authorized! 
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 2025-10-02 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: PA

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

Account XXXX : XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account Number : 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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A XXXX XXXX credit card account is being reported on my credit file. I did not open or authorize this account. I disputed directly with XXXX XXXX and requested proof of ownership, including the original signed agreement. Instead, I was only sent account statements, which do not prove I am legally responsible. This is identity theft and inaccurate reporting. I have sent multiple dispute letters with no resolution

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 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX. 


Re : Cease and Desist / Debt Dispute Notice Account Number : XXXX To Whom It May Concern, I am contacting you regarding the above-referenced account. I hereby provide notice that : XXXX. I dispute this debt in its entirety. I do not owe the amount you claim. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I demand that you provide proper validation of this debt, including but not limited to : The name and address of the original creditor, A copy of the original agreement bearing my signature ( if applicable ), and An itemized accounting of the alleged amount.

Until such documentation is provided, you must cease collection efforts as required by law.

2. Pursuant to 15 U.S.C. 1692c ( c ), I also demand that XXXX XXXX XXXX cease and desist from all further communication with me regarding this matter, except as permitted by law ( i.e., providing the requested validation, notifying me that collection efforts are being terminated, or informing me of specific legal remedies you may pursue ). 

Failure to comply with this demand or any further attempt to collect a debt without providing proper validation will be considered a violation of the FDCPA. I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General in my state, and I will consider pursuing legal remedies available to me. 

Please confirm in writing that you have received this letter and will comply with the above. 

Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: KEYCORP
State: IL

Complaint narrative:
I tried to cash a third party check. They didnt allow me to and i have documents that say i can cash that check. Im cashing the check for a cousin from XXXX because in XXXX they didnt want to cash it for her. So since i had cashed another check for her already that she signwd over to me, we tried it again. This bank will not give us the money nor return the money to the original issuer of the check. Which was a check written for an insurance claim of the death of her son. We have been in contact woth the insurance to see if they recieved the moneh back and nothing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-02 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Dear XXXX XXXX XXXX  I received a notice from your company stating that I owe a debt to [ XXXX XXXX XXXX  ] in the amount of [ XXXX ]. However, I do not recall this debt, and I request that you provide validation of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 


I request that you provide the following documentation to validate the debt : - A copy of the original contract or agreement between me and the original creditor - A detailed breakdown of the debt amount, including the principal balance, interest, and fees - Proof that your company has the authority to collect this debt - Any other relevant documentation that supports the validity of the Until you provide the requested validation, I request that you cease all collection activities, including phone calls and letters. 


Please respond to this request within XXXX  days, as required by the FDCPA. If I do not receive a response or the validation, I will dispute the debt with the credit bureaus and take further action if necessary. 

Sincerely, XXXX XXXX - XXXX XXXX. XXXX : Validation of debts - FDCPA : Regulates debt collection practices and provides consumer protections

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
I am writing to formally dispute inaccurate and unauthorized information that has appeared on my credit report with your bureau. I recently became a victim of a data breach that compromised my personal information, As a result, fraudulent accounts and/or inquiries may have been placed on my credit report without my knowledge or consent. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate my dispute, remove inaccurate information, and ensure that only accurate and verifiable information remains on my credit file. Since these items are the result of identity theft/data breach and are not mine, I am requesting that they be deleted promptly. 



Please provide me with a written confirmation of the results of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: American Credit Acceptance, LLC
State: FL

Complaint narrative:
Dear XXXX XXXX XXXX  I received a notice from your company stating that I owe a debt to [ XXXX XXXX XXXX  ] in the amount of [ XXXX ]. However, I do not recall this debt, and I request that you provide validation of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 


I request that you provide the following documentation to validate the debt : - A copy of the original contract or agreement between me and the original creditor - A detailed breakdown of the debt amount, including the principal balance, interest, and fees - Proof that your company has the authority to collect this debt - Any other relevant documentation that supports the validity of the Until you provide the requested validation, I request that you cease all collection activities, including phone calls and letters. 


Please respond to this request within XXXX  days, as required by the FDCPA. If I do not receive a response or the validation, I will dispute the debt with the credit bureaus and take further action if necessary. 

Sincerely, XXXX XXXX - 15 U.S.C. 1692g : Validation of debts - FDCPA : Regulates debt collection practices and provides consumer protections

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: MS

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-10-02 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: MS

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-10-02 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: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current
State: NV

Complaint narrative:
I would like to know what my next step should be because my complaint was closed and current bank was honest about what happened I agree with the statement they gave showing that the transactions failed and the amounts. But these were automatic transactions that are triggered after my direct deposit hits my correct account. And the first deposits that had been taken out of my direct deposit paycheck. So how did they fail due to insufficient funds and they didn't address this mysterious secure account that I have no access to or knowledge of that they transfered my entire paycheck into after it had been deposited in my actual account which is why is it said that I had insufficient funds which was never reflected in my account at anytime it showed the balance that reflected my paycheck being deposited before and after the transactions to cleo. Only at the end of the month when I was able to see my statement did I become aware of this account that they transferred all of my money to that I have no access to or any information at all other than all of my money wast transfered to a sucurr account and then all the transactions I mad after that for several days caused my account with current to be in the negative without it reflecting this on the app or informing of that my account was going into the negative at all ever until I got my statement and the money form these failed transactions was never put back and I know it wasn't because after the first time it happened I was watching and waiting for it to be put back and if it wasn't I intended to contact them to see what was going on. Little did I know they immediately treated me with disrespect and refused to even listen to what happened just told me that I didn't know what I was talking about. I have gotten no explanation about this secure account and no proof has been given that shows the money was put back and that's because it wasn't. I don't know if this is some kind of glitch or if a scam but judging by the way I was treated when I respectfully brought it to their attention I'm thinking it's a straight up scam. So can someone please tell me what I need to do next because I'm at a loss here.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: GA

Complaint narrative:
My purse and waller was stolen. I receive an alert that my Purchase was approve by another credit card company. I notified XXXX of the situationIve submitted police reports. I have called on many occassions to have the unauthorized charges removed from my credit report. To no avail.

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 2025-10-02 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: GA

Complaint narrative:
My purse and waller was stolen. I receive an alert that my Purchase was approve by another credit card company. I notified XXXX of the situationIve submitted police reports. I have called on many occassions to have the unauthorized charges removed from my credit report. To no avail.

Company response to consumer: Closed with explanation