vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This is a formal dispute regarding fraudulent accounts attached to my credit report. I never opened or authorized these accounts, and their reporting is a serious inaccuracy. The presence of these entries misrepresents my financial responsibility, harms my creditworthiness, and violates the standards of accurate reporting.

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 2025-09-15 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: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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 2025-09-15 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: TX

Complaint narrative:
It is very upsetting that these inaccurate late payments are still present on my credit report today. I already tried refreshing my browser, but nothing changed. I am urgently requesting that the documents Ive provided be re-examined so I can stop dealing with this ongoing issue.

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 2025-09-15 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: TX

Complaint narrative:
Kindly accept this as my formal request for deletion of the referenced accounts. I did not create or authorize them, and they appear fraudulent. Documentation is enclosed for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: DC

Complaint narrative:
My name is XXXX XXXX, and I am formally disputing the inaccurate information listed on my credit report.In accordance with 15 U.S.C ( section ) 1681b and 15 U.S.C 1681c, I did not authorize the reporting or release of my personal information to the companies listed below, This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name.

Furthermore, there are unauthorized inquiries on my credit report that I did not initiate, which constitutes a case of identity theft.Pursuant to 18 U.S.C
( section ) 8, I do not owe any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Dear XXXX  Team, I am writing to formally request the removal of my personal information from your database due to a fraudulent checking account that was opened in my name without my consent. 

My name is XXXX XXXX and I am a victim of identity theft. Recently, I discovered that an unauthorized checking account was opened in my name, and this account is affecting my ability to open legitimate banking account. 

I have taken steps to report this fraudulent activity to the appropriate authorities and have filed a police report to document the identity theft. I am attaching a copy of this report and any other relevant documentation to support my claim. 

I kindly request that you investigate this matter and remove my information related to this unauthorized account from your records. This action is crucial in helping me reclaim my identity and restore my ability to access banking services. 

Please confirm in writing the actions taken regarding this request and provide me with a free copy of my report from XXXX. 

Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
b'Payment has been lawfully tendered to capital one n.a. Failed to honor it. Bill of Exchange was duly executed by XXXX XXXX XXXX XXXX XXXX  under Certified Mail/Tracking XXXX XXXX XXXX XXXX XXXX XXXX, establishing verifiable proof of delivery and notice.\n\nThey are reporting wrongful information to the bureaus'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
XX/XX/year>. I had got a loan online with speedy cash for {$800.00}. They told me I would pay 16 payments of {$210.00} every two weeks. So I made my last payment of XXXX XX/XX/XXXX. When I get online to see if its loan was closed it said. That I still owe {$700.00}. So I called them and I asked him what was going on. She said thats what I owe. I said I paid you guys {$3400.00} and youre telling me. I still owe you XXXX. She said yes that she can give me a discount. If I can pay half right now that they will take the other half. I said no. Im not gon na pay you. No more. I think thats was enough. You told me it was 16 payments and I did them. I completed in my contract. I asked you just in my contract and all the payments I have made. She said you can request that from an email that its under not underneath the website. I said you can not send me it. She told me no that she can not send me my documents. I asked her why shes like. Thats not my part. You can request for an email, so I requested the email that I needed my contract and that I needed all the payments I have made and The emailed me back saying that I could give them a call to get on my documents. I dont know whats going on, but I think it is too much that thats XXXX was gon na go on my credit, they said.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: VA

Complaint narrative:
On early XX/XX/XXXX, I was denied a credit card from XXXX XXXX ( the XXXX XXXX ). The official reason for denial was the " Nature of credit risk posed by termination of other accounts, '' based on my TransUnion credit report. 

Upon investigating my TransUnion report, I identified the source : a XXXX XXXX XXXX XXXX XXXX account that was closed in XX/XX/XXXX. This account is listed with the remark " XXXX XXXX XXXXXXXX XXXX. '' This remark is highly misleading and does not accurately represent the account 's history. The account was in perfect standing, always " Paid as Agreed, '' and had a {$0.00} balance at the time of closure. The creditor closed this account procedurally due to a period of inactivity on my part, not due to any credit risk, default, or negative action. 

On XX/XX/XXXX, I filed a formal dispute with TransUnion to correct this misleading remark. As evidence, I uploaded XXXX documents : 1. A screenshot from my XXXX  credit report for the identical account, which uses a neutral and more accurate " Paid and Closed '' description.

2. A screenshot from TransUnion 's own report confirming the account 's positive " Paid as Agreed '' status. 

On XX/XX/XXXX, TransUnion concluded its investigation and responded that the remark was " VERIFIED AS ACCURATE, '' refusing to make any changes. Their investigation failed to address the misleading nature of the remark, focusing only on the technical fact that the creditor initiated the closure. 

Under the Fair Credit Reporting Act ( FCRA ), information on a credit report must be accurate and not misleading. By retaining this remark, TransUnion is causing me direct financial harm and preventing me from being fairly evaluated for new credit. 

I request that the CFPB order TransUnion to correct my file by removing the misleading " XXXX XXXX XXXXXXXX XXXX '' remark and replacing it with a neutral and accurate one, such as " Account Closed. ''

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 2025-09-15 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: TX

Complaint narrative:
It is very upsetting that these inaccurate late payments are still present on my credit report today. I already tried refreshing my browser, but nothing changed. I am urgently requesting that the documents Ive provided be re-examined so I can stop dealing with this ongoing issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: TX

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/year>, XXXX emailed me confirming cancellation of my subscription ( screenshot attached ). Despite this, XXXX processed a charge of {$12.00} through XXXX  XXXX XX/XX/year> ( screenshot attached ). 

This conduct violates : Electronic Funds Transfer Act ( EFTA, 15 U.S.C. 1693e ) prohibits unauthorized electronic debits.

ROSCA and the FTC Act, which prohibit billing after cancellation and require clear cancellation methods. 


If XXXX attempts to rely on any arbitration clause in their subscription terms, I assert that such a clause is inapplicable and unenforceable due to their breach of contract by charging after confirmed cancellation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Valor Intelligent Processing, LLC
State: NC

Complaint narrative:
I have already contacted them that this was XXXX XXXX debt. My ex spouse

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: NC

Complaint narrative:
Columbia debt recovery. I have contacted you multiple times telling you this was not my debt. Its my ex spouses that was opened without my knowledge. Ive contacted you monthly through the XXXX website

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: CO

Complaint narrative:
The assessment ignores my genuine financial situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: NY

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 non-monetary relief
Consumer complaint received 2025-09-15 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: MD

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report. I have previously submitted disputes regarding these inaccuracies, but they have not been corrected, and the issues continue to negatively affect my credit score and financial standing.

As you are aware, Equifax experienced a significant data breach in XXXX, which exposed the personal and financial information of millions of consumers, including myself. This breach may have contributed to the erroneous information on my credit report, which has not been rectified despite previous attempts to resolve these disputes.

I have already submitted disputes regarding these inaccuracies, yet they remain unresolved. As per the Fair Credit Reporting Act ( FCRA ), you are required to investigate disputes in a timely manner and correct any inaccuracies. The continued reporting of incorrect information, in light of the data breach, raises concerns about the accuracy and integrity of my credit report.

I respectfully request that you : Immediately investigate these disputed items. Please conduct a thorough investigation of the accuracy of the information and correct any inaccuracies within the statutory 30-day period.

Provide an update or resolution. Notify me of your findings and the actions taken to correct the inaccuracies.

Remove any unverifiable or incorrect information. If you are unable to verify the accuracy of the disputed items, I request that you remove them from my credit report entirely.

Additionally, please send me a written confirmation once the necessary corrections have been made, including an updated copy of my credit report reflecting the changes.

I trust that you will act swiftly and in compliance with all applicable laws and regulations to resolve this matter.

Thank you for your prompt attention to this issue. I look forward to your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
i received a credit card update from Capitol One and one of their services is information from the dark web.

It had my name, social security number, date of birth not an old address.

i would like to large a complaint with your agency as well as to all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have constantly complained that when I pay at a Branch the payment is not being applied according to how I allocate the funds on the monthly payment voucher. Wells Fargo continuously misapply extra principal payments, late charges, and escrow. It appears they are putting any funds left over in additional funds which stills there causing me to make a phone call requesting funds to be applied. After doing this they quickly send out letter threatening to make past due payment for previous month and demand for monthly payment not yet due with acceleration of loan demanding full pay of mortgage amount {$58000.00} plus. Making a complaint because this is not appropriate.

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 2025-09-15 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: TX

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-09-15 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: Sunbit, Inc.
State: FL

Complaint narrative:
XXXX services were provided to me by XXXX XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/year>. My bill was a little over {$500.00}. They provided me with an option to make monthly payments. I agreed to the payment option, but I did not provide my SS #. They said it was not necessary because it was a soft pull of my background. 

My payments were made to SUNBIT. At no point did I agree to have my SS # used for this service. Not sure if XXXX XXXX provided my SS # to SUNBIT without my authorization. 

This turned out to be a hard inquiry on my credit background, which I'm displeased with because they reported negative payment history when I never gave them authorization from the beginning, and absolutely NOT for a hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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:
This is now my 8th dispute - A number that is absurd and unacceptable and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute an unauthorized hard inquiry listed on my credit report. This inquiry was made without my knowledge or consent, and I have no record of applying for any service, product, or account that would warrant such an action. Its inclusion undermines the accuracy, fairness, and integrity of my credit profile, which I have always maintained responsibly.

Company response to consumer: Closed with explanation