vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-01 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: FL

Complaint narrative:
I don't agree with the account listed below which still appears on my credit report, even after your Investigation. I would like this account immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your Investigation and corrections.

Your cooperation and prompt attention are greatly appreciated. 


XXXX XXXX Acct Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been attempting to lift the security freeze on my TransUnion credit file but continue to encounter repeated system errors through their website. Despite multiple attempts and contacting their customer support team on several occasionseach time being escalated to higher levels of supportthe issue remains unresolved. I have not received any effective assistance, timeline for resolution, or follow-up communication. 

This situation has prevented me from proceeding with important financial matters that require access to my credit file. TransUnions failure to address or resolve the technical issue, or provide a viable efficient alternative solution, is unacceptable and has caused unnecessary delays and frustration. 

I am seeking immediate resolution to allow me to self unfreeze, and self refreeze, on my account without requiring further delays or redundant steps.

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 2025-06-01 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
My Credit was ran by a dealership that I have never authorized to obtain my credit report. Someone is attempting to fraudulently obtain a car using my personal info. When I asked the dealer who the person was they said the customer never showed up. I would like this inquiry removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: LA

Complaint narrative:
I HAVE NO KNOWLEDGE OF THESE ACCOUNTS, PLEASE REMOVE OR DELETE FROM MY ACCOUNTS - COLLECTION DISPUTE - XXXX XXXX XXXX XXXX {$890.00},XX/XX/XXXXXXXX {$110.00}, - CREDIT DISPUTES -XX/XX/XXXXXXXX {$780.00}, XXXX XXXX XXXX XXXX {$13000.00}, XXXX XXXX XXXX XXXX XXXX {$1300.00}, XXXX XX/XX/year> {$80.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: LA

Complaint narrative:
I HAVE NO KNOWLEDGE OF THESE ACCOUNTS, PLEASE REMOVE OR DELETE FROM MY ACCOUNTS - COLLECTION DISPUTE - XXXX XXXX XXXX XXXX {$890.00},XX/XX/XXXXXXXX {$110.00}, - CREDIT DISPUTES -XX/XX/XXXXXXXX {$780.00}, XXXX XXXX XXXX XXXX {$13000.00}, XXXX XXXX XXXX XXXX XXXX {$1300.00}, XXXX XX/XX/year> {$80.00}

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 2025-06-01 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: OH

Complaint narrative:
I am writing to dispute a {$1100.00} collection account reported by XXXX XXXX XXXX ( original creditor : XXXX XXXXXXXX XXXX XXXX  XXXX ). This account opened XX/XX/XXXX is inaccurately reported as past due as of XX/XX/XXXX. I have never received any verification of this debt, and I assert that this entry is incorrect and unverifiable. I previously disputed this item with Experian, yet it remains on all three nationwide credit reports, causing ongoing harm to my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information and demand correction. 15 U.S.C. 1681i requires that if disputed information is found to be inaccurate or can no longer be verified, the credit reporting agency shall promptly delete it. Likewise, CFPB guidance notes that consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Because this debt has not been verified and is therefore unverifiable, I request that National Credit Adjust immediately instruct Experian, Equifax, TransUnion, and any other consumer reporting agencies to delete this account from my credit file. 

The Fair Debt Collection Practices Act ( FDCPA ) also protects me as a consumer. Under 15 U.S.C. 1692g, once a debt is disputed in writing within 30 days of receipt, the collector must cease collection and provide verification of the debt. CFPB explains that a collector must pause collecting the amount of the debt you are disputing until theyve adequately responded to your request. I formally dispute this debt and demand that National Credit Adjust either verify it with supporting documentation or cease collection immediately. If the debt is valid, I request full documentation including the original signed contract, a complete payment history, and an itemization of all charges. Absent such verification, this account must not remain on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: LA

Complaint narrative:
I am filing this complaint regarding how Experian is classifying my XXXX XXXX  account on my credit report.

The account is shown as : Paid Off Closed {$0.00} balance But is not reporting as Paid as Agreed or Paid/Regular, and is still impacting my score negatively This is inaccurate and misleading under : FCRA 1681e ( b ) : Experian must report with maximum possible accuracy FCRA 1681i : I am exercising my right to dispute and correct any misclassified or improperly scored account data

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 2025-06-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been a victim of identity theft and found some fraudulent inquiries that I did not authorize on my credit report. Here are the fraudulent inquiries I've found due to Identity theft. I also attached my identity theft report as well. 

XXXX XX/XX/year> XXXX XXXX XX/XX/year>

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 2025-06-01 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've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

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 2025-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I applied for a Chase ink credit card. I was approved for a XXXX line of credit. After the first charge of approx {$7000.00} my account was closed and when I reached out to chase they refused to explain this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: OH

Complaint narrative:
I am writing to formally dispute the accuracy of a {$1800.00} collection account reported by XXXX XXXX XXXX XXXX on my credit reports. This account was opened on XX/XX/year>, is listed as placed for collection, and is already marked disputed by consumer. I have never received any billing statement or legal notice validating this debt, and I do not recognize it as legitimate. I assert that this entry is erroneous and must be corrected immediately. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to challenge and remove inaccurate credit information. When I dispute an item, the credit bureaus must conduct a reasonable reinvestigation and delete any unverifiable or incorrect information within 30 days. Likewise, FCRA prohibits furnishers from reporting information they know or have reason to believe is inaccurate. In this case, XXXX XXXX XXXX XXXX has placed an unverified and disputed debt on my credit report without legal validation, in direct violation of these requirements. If the account can not be verified as mine, federal law mandates its removal. 

Further, the Fair Debt Collection Practices Act ( FDCPA ) provides additional protections. In particular, 15 U.S.C. 1692e ( 8 ) forbids a debt collector from communicating credit information that is false or misleading. The FDCPA also requires that if a consumer disputes a debt in writing within 30 days, the debt collector must provide written verification of the debt. I have disputed this account in writing and have received no verification. XXXX continued reporting of this unverified debt is therefore a violation of the FDCPA.

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 2025-06-01 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: OH

Complaint narrative:
I am writing to formally dispute the accuracy of a {$1800.00} collection account reported by XXXX XXXX XXXX XXXX on my credit reports. This account was opened on XX/XX/year>, is listed as placed for collection, and is already marked disputed by consumer. I have never received any billing statement or legal notice validating this debt, and I do not recognize it as legitimate. I assert that this entry is erroneous and must be corrected immediately. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to challenge and remove inaccurate credit information. When I dispute an item, the credit bureaus must conduct a reasonable reinvestigation and delete any unverifiable or incorrect information within 30 days. Likewise, FCRA prohibits furnishers from reporting information they know or have reason to believe is inaccurate. In this case, XXXX XXXX XXXX XXXX has placed an unverified and disputed debt on my credit report without legal validation, in direct violation of these requirements. If the account can not be verified as mine, federal law mandates its removal. 

Further, the Fair Debt Collection Practices Act ( FDCPA ) provides additional protections. In particular, 15 U.S.C. 1692e ( 8 ) forbids a debt collector from communicating credit information that is false or misleading. The FDCPA also requires that if a consumer disputes a debt in writing within 30 days, the debt collector must provide written verification of the debt. I have disputed this account in writing and have received no verification. XXXX continued reporting of this unverified debt is therefore a violation of the FDCPA.

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 2025-06-01 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: FL

Complaint narrative:
I am submitting this complaint regarding a tradeline reported by XXXX Card ( Account Number : XXXX ), an individual credit card account opened on XX/XX/XXXX. This account is reported as charged off with a written-off balance of {$7100.00}, but is also listed as past due for the same amount as of XX/XX/XXXX. This dual reporting is misleading and may be inaccurate under the Fair Credit Reporting Act ( FCRA ), which prohibits the furnishing of information that is materially misleading. If the account has been charged off, it should not also be reported as currently past due unless valid and ongoing collection activity exists. Furthermore, no IRS Form 1099-C has been issued, despite the apparent cancellation of the debt, potentially violating IRS Regulation 1.6050P. I request that the CFPB investigate the accuracy and legality of this reporting, require XXXX Card to provide proper validation or correction, and ensure compliance with FCRA, IRS rules, and Metro 2 credit reporting standards. If the information can not be fully substantiated, I request removal of the tradeline.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
My personal information is attached to this complaint, along with a medical letter from my personal physician. As any financial institution can see, I am living in chronic pain every day of my life. I am no longer healthy enough to work, and I only receive a small social security XXXX check monthly. Accordingly, I am requesting my small indebtedness to be forgiven in exchange for a 1099-C. I find this to be a better compromise than fining a XXXX XXXX bankruptcy. Please respond through the CFPB portal only, thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Consumer Portfolio Services, Inc.
State: MD

Complaint narrative:
Formal Complaint Regarding Dealer Fraud, Violations of Federal Regulations, and Unresolved Vehicle Issues Dear Sir/Madam, I am writing to formally file a complaint concerning serious issues I have encountered with a Buy Here Pay Her dealership and Consumer Portfolio Services that involved fraudulent practices, violations of federal regulations, and the mishandling of my case despite multiple attempts at resolution. Specifically, the dealership involved in my transaction : Failed to provide a proper Buyers Guide, thus violating federal regulations governing auto sales. Sold me a vehicle without disclosing its mechanical problems, including a defective engine, which I only discovered after purchase. Refused to disclose whether the vehicle was sold with or without warranty coverage. Engaged in dealer fraud by misrepresenting the condition of the vehicle and withholding critical information about its mechanical issues. Illegally retained my down payment after I requested rescission of the contract based on the fraudulent sale and non-disclosure. Despite my efforts to seek resolution, I have sent two certified letters to your office Consumer Portfolio Services & XXXX XXXX XXXX XXXX requesting assistance and investigation into these violations, but my concerns remain unaddressed. Furthermore, after the vehicle 's mechanical issues became apparent, Consumer Portfolio Services XXXX XXXX XXXX XXXX refused to rescind the contract, and my vehicle was unjustly repossessed. 

Consumer Portfolio Services refused to rescind the contract despite clear evidence of fraud, and subsequently, my vehicle was repossessed unjustly.

I have documented proof that the dealer violated federal laws, failed to disclose the vehicles mechanical issues, and engaged in illegal practices to profit at my expense. These actions have caused me significant financial loss, distress, and inconvenience.

I request that your office immediately investigate this matter, review all relevant documentation, including the evidence of dealer misconduct, and take appropriate action to rectify this situationspecifically, the rescission of the contract and return of my down payment.

I expect a response within 15 business days from the date of this letter. Please consider this a formal complaint, and I reserve the right to escalate this matter to appropriate regulatory authorities if my concerns are not adequately addressed.

Thank you for your prompt attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I used a loan to pay off my Capital One credit card account, which was in internal collections. The loan was supposed to pay the full balance, which was {$740.00}. However, Capital One is reporting a balance of {$740.00} on my credit report, which is inaccurate. 

I confirmed the correct balance of {$740.00} with XXXX Capital One representatives on Friday, XX/XX/year>, yet the reported amount is still incorrect. On that same day, a representative also claimed the reported balance was accurate, even though it clearly does not match the actual account balance or payment. 

This discrepancy causes the account to appear as partially unpaid, which could impact my credit standing or cause the account to accrue interest. I am concerned this reflects either poor recordkeeping or potential misrepresentation of the account status. 

I am requesting a full refund of the amount paid, a formal investigation into why Capital One accepted a loan payment and continues to report an inaccurate balance, and for the account to be marked as paid in full and closed. I also request the inaccurate reporting be corrected or removed from all three credit bureaus. 

This may represent a violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). If this is not resolved promptly, I will escalate the matter to the FTC, state attorney general, and explore legal options if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
In XX/XX/XXXX, Capital One closed my XXXX credit card account ( ending in XXXX ) and reported it as 30 and 60 days past due based on a {$6.00} interest charge. This account was opened in XXXX and had never been late prior to this closure. I did not receive adequate notice before the account was closed or reported as delinquent. 

At the same time, my XXXX account ( ending in XXXX ) was restricted and later closed in XX/XX/XXXX due to missed payments following job loss. I resumed making regular payments on that account and continue to do so in good faith. 

Despite these efforts, both accounts are negatively affecting my credit report. I believe the reporting on the XXXX account is excessive given my otherwise perfect history and the small balance, and I would like Capital One to correct this. I am also requesting a review of the XXXX account status in light of my resumed payments. 

Additionally, my credit report shows a collection account from XXXX XXXX XXXX for a medical debt allegedly assigned by Maryland XXXX XXXX XXXX, with a delinquency date of XX/XX/XXXX and reporting date of XX/XX/XXXX. I was never contacted about this debt prior to its appearance on my credit report, and I have strong reason to believe the debt is unverified or inaccurate. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am requesting that this collection account be removed from my credit report unless XXXX can provide full validation and documentation of the debt, including proof of services and notice of assignment.

Company response to consumer: Closed with explanation