vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: Central Research Inc
State: MI

Complaint narrative:
I fully intended to keep my student loan payments in good standing, and I acted immediately once I understood something was wrong. However, the communication I received from XXXX during the period they claim I became 90 days delinquent was unclear, easily lost among normal emails, and did not resemble the type of urgent, time-sensitive notices typically sent before reporting a severe derogatory mark. 

Although XXXX did send some emails, none of them clearly stated : that I was past due by any specific number of days, that I was approaching a XXXX, XXXX, or XXXX delinquency, or that my account was about to be reported to the credit bureaus. 

The subject lines did not communicate urgency or delinquency at all, and several appeared promotional. XXXX example is the email titled XXXX, youre missing out, which I reasonably interpreted as a marketing or informational message, not a delinquency alert. Because none of the emails were labeled clearly or urgently, they blended into the rest of my inbox and didnt signal any immediate financial issue. 

If I had received any traditional mailed notice, something clearly marked as an urgent billing or delinquency message, I absolutely would have opened it. During this time, I had also changed addresses, and I never received any mail from XXXX at my new location. As a result, the first time I became aware that my account was seriously overdue was after the XXXX late mark appeared on my credit report. 

Additionally, during this period I was undergoing evaluation and treatment for severe ADHD, which has significantly impacted my ability to track administrative deadlines. Once I discovered the issue, I corrected it immediately. 

This single late mark dropped my credit score by approximately XXXX points and has severely disrupted my plans to secure a mortgage this year. Given the lack of clear delinquency warnings, the misleading email presentation, my documented medical circumstances, and my immediate payment once informed, I am respectfully requesting reconsideration or removal of the late payment reporting. I am also willing to pay the account in full as a demonstration of good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: LEXISNEXIS
State: UT

Complaint narrative:
On XX/XX/year>, I disputed the Military Lending Act ( MLA ) covered borrower status section in my LexisNexis file. This section appeared in my consumer report even though I am not an MLA covered borrower and no MLA-related information is appropriate for inclusion in a credit-related file. I requested a reinvestigation and permanent deletion if the entry could not be verified as accurate and appropriate under the FCRA. LexisNexis received my dispute on XX/XX/year>. On XX/XX/year>, I received several envelopes labeled as reinvestigation results, but none included an itemized outcome for this MLA section, an updated consumer file, or the required description of procedure. LexisNexis did not confirm whether the MLA record was verified, corrected, or deleted. As a result, I have no way to determine whether LexisNexis continues to report MLA-related data that is not applicable to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My personal information was used without my permission, and fraudulent accounts were opened in my name. Ive taken all the proper steps filed police reports, contacted the credit bureaus, and notified the creditors yet these false accounts remain on my report. Its deeply frustrating and unfair. Im simply asking for whats right : to have my identity restored and the inaccurate information removed so I can move forward with my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: MI

Complaint narrative:
I am a victim of a data breach and identity theft. Kindly block and delete the account within XXXX business days as required by FCRA XXXX, XXXX USC XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: MI

Complaint narrative:
I am a victim of a data breach and identity theft. Kindly block and delete the account within XXXX business days as required by FCRA XXXX, XXXX USC 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 2025-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, TX XXXX Date : [ XX/XX/year> ] To : SYNCB/Walmart [ Creditor Address, if known ] RE : Request for Account Information Account Ending in XXXX To Whom It May Concern : I am writing regarding the above-referenced account. I want to make it clear that I am not disputing this account. I am simply requesting additional information for my records.

Please provide the following : 1. Date of First Delinquency ( DOFD ) 2. Date of Last Payment 3. Date the Account Was Charged Off 4. Date of Last Payment ( as reported to credit bureaus ) This request is being made strictly for clarification and documentation purposes. Please send your response to the address listed above.

Thank you for your cooperation. 
Sincerely, XXXX XXXX XXXX charged this debt of and transferred it to someone else.

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 2025-12-02 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: NC

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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b ( a ) strictly limits the release of consumer reports to specific permissible purposes, and a hard inquiry made without my consent is unlawful.

15 U.S.C. 1681e ( a ) requires XXXX  to uphold reasonable procedures ensuring consumer reports are furnished only for legitimate, permissible purposes.

15 U.S.C. 1681i mandates that XXXX  reinvestigate disputed items and delete any information that can not be verified.

Because these inquiries were made without my authorization, it represents impermissible access to my credit file. I am therefore demanding the immediate removal of this unauthorized inquiry and written confirmation once it has been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I filed to dispute a charge with Capital One bank 2 times. Both times they requested additional information, I provided it, and they deny my claim due to my " lack of providing additional information ''. I received a pedicure on XXXX, I was dissatisfied with the work, initially filed a claim with bank but withdrew due to the merchant agreeing to provide a refund. I went to the merchant 1 week later to process refund and the person assisting me admitted that they had never processed a refund when I asked if I should insert my card into their POS system ( it did show refunded on their POS machine ). Her reply was- I don't know when I asked if I should insert my card. 1 week past and still no refund so I contacted XXXX to reopen my claim. I have explained thoroughly and multiple times to Capital One that I no longer have the receipts, I explained exactly how everything played out, and I even advised them to check my transaction history, and they will see that there are only 2 transactions for the amount in question. A debit from the merchant and the provisional credit from the bank. I NEVER received a credit from the merchant. I sent a fax explaining this again, and this afternoon I received an email stating my claim has been denied. I have been more than through in my explanation of the events, I have submitted repetitive statements to Capital One when additional information has been requested, and the customer service rep I spoke to on XXXX was able to see that I never received a credit from the merchant. Not sure why the CSRs can see that, but whoever is processing disputes can not. I am going to attach a copy of the fax that was sent to Capital One to confirm that I complied with their request, as well as a copy of the email stating the reason for my claim denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: IL

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS.

EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA.

BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING.

THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CashRepublic Holdings, Inc.
State: KY

Complaint narrative:
Omni Financial is reporting a charge-off account that contains inaccurate, incomplete, and unverified information. They have not provided a signed contract, payment records, interest calculations, or a complete accounting of the balance. 

They also failed to provide validation and are furnishing information they can not substantiate, violating FCRA 623 ( a ) ( 1 ). Their verification process with the bureaus was conducted through automated systems without documentation, violating FCRA 611.

As an XXXX  military service member, Omni Financial also failed to comply with SCRA obligations before reporting the charge-off.

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 2025-12-02 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: LA

Complaint narrative:
I am formally disputing information appearing in my credit report file that I believe was obtained or furnished without my written consent and without a permissible purpose under 15 U.S.C. 1681b.

After reviewing my credit report, I identified the following unauthorized inquiries/accounts : XXXX XXXX- Account # XXXX XXXX XXXX- Account # XXXX I did not authorize these entities to access or furnish my personal information, and I am requesting that you : 1. Conduct a full investigation under 15 U.S.C. 1681i.

2. Provide written verification of the permissible purpose and authorization allegedly used.

3. Delete any item that can not be verified as lawful and compliant with 15 U.S.C. 1681b.

4. Provide me with an updated copy of my credit report once the investigation is complete.

Please respond in writing to the address listed above.

Thank you for your immediate attention.

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 2025-12-02 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: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Dear Sir/Madam, I am writing to dispute several items that have been inaccurately reported on my credit report. These discrepancies are in violation of the Fair Credit Reporting Act ( FCRA ), and I request that these items be investigated and corrected accordingly. Below are the details of the accounts I am disputing, separated by each credit bureau. 

Charged Off Accounts : XXXX, Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$540.00} XXXX XXXX XXXX, Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} Inquiries : XXXX XXXX XXXX, Date Open : XX/XX/XXXX XXXX XXXX XXXX, Date Open : XX/XX/XXXX XXXX XXXX XXXX XXXX, Date Open : XX/XX/XXXX XXXX XXXX, Date Open : XX/XX/XXXX XXXX XXXX, Date Open : XX/XX/XXXXXXXX XXXX XXXX Date Open : XXXX XXXX XXXX, Date Open : XX/XX/XXXX XXXX XXXX XXXX, Date Open : XX/XX/XXXX XXXX XXXX, Date Open : XX/XX/XXXX XXXX XXXX  XXXX, Date Open : XX/XX/XXXX XXXX XXXX, Date Open : XX/XX/XXXX XXXX XXXX XXXX, Date Open : XX/XX/XXXX XXXX XXXX, Date Open : XX/XX/XXXX XXXX XXXX, Date Open : XX/XX/XXXX XXXX XXXX, Date Open : XX/XX/XXXX XXXX XXXX XXXX, Date Open : XX/XX/XXXX XXXX XXXX XXXX, Date Open : XX/XX/XXXX XXXX XXXX XXXX, Date Open : XX/XX/XXXX XXXX XXXX XXXX, Date Open : XX/XX/XXXX XXXX XXXX XXXX, Date Open : XX/XX/XXXX XXXX XXXX, Date Open : XX/XX/XXXX XXXX XXXX, Date Open : XX/XX/XXXX XXXX XXXX, Date Open : XX/XX/XXXX XXXX XXXX XXXX, Date Open : XX/XX/XXXX XXXX XXXX XXXX, Date Open : XX/XX/XXXX XXXX XXXX XXXX, Date Open : XX/XX/XXXX XXXX XXXX, Date Open : XX/XX/XXXX XXXX XXXX XXXX, Date Open : XX/XX/XXXX XXXX XXXX XXXX, Date Open : XX/XX/XXXX XXXX XXXX XXXX, Date Open : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I have a prepaid gift card from American Express that says my funds are on hold. I called to ask if they would give me a reason for the hold and if they could release the hold on my funds, which they told me I have to send them photos of my ID, receipt and the card itself to another separate website before I can receive my funds. I do not have the receipt anymore as this was a gift, so I can not do that. None of the purchases I made were questionable and I have not been informed of the reason for the hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
Someone gained unauthorized access to my XXXX account and used my XXXX XXXX to make charges on my Robinhood XXXX without my permission. I did not authorize, initiate, or benefit from these transactions. The unauthorized charges were for XXXX in the amount of XXXX, another XXXX charge of XXXX, and a XXXX XXXX charge of XXXX. 

I reported the unauthorized transactions to Robinhood immediately and explained that the activity did not come from me. Instead of conducting a meaningful or lawful investigation, Robinhood denied my dispute in just a few days. Their denial was based only on internal mobile wallet activity and general app data, none of which proves that I personally performed or approved these transactions.

Robinhood did not obtain merchant level evidence, did not request device or IP information, did not review order confirmations or delivery information, and did not request tokenization or fraud logs. They also did not provide me with any documentation or evidence used to deny my claim. This falls far below the investigation standards required under the Fair Credit Billing Act and Regulation Z.

Robinhood also failed to issue a provisional credit or remove the disputed amount during the investigation. Their process did not comply with federal billing error rules or with XXXX XXXX XXXX protections. I was left responsible for unauthorized charges even though I reported them promptly and did not benefit from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: IL

Complaint narrative:
I am filing a formal complaint against Equifax Information Services LLC regarding multiple fraudulent accounts on my credit report resulting from identity theft, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Equifax has failed to comply with FCRA 605B, which requires the immediate blocking and removal of fraudulent information, and has not provided disclosures under FCRA 609 ( e ), including applications, contracts, or account histories related to these accounts. This inaction is causing significant harm, damaging my credit, and violating my consumer rights. I demand that Equifax immediately delete and block all fraudulent accounts, notify all furnishers and other bureaus, provide all supporting documentation, and confirm in writing that the accounts have been removed. Resolution sought : immediate deletion, block, and written confirmation of removal of all fraudulent accounts.

Company response to consumer: Closed with non-monetary relief