vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: NY

Complaint narrative:
I am absolutely disgusted with Discover. This is now my SIXTH CFPB complaint involving the same fraudulent transaction, and Discover has gone from incompetent to actively complicit in enabling scammers to steal from customers. 

Heres the play-by-play of this ongoing circus : I got scammed by a merchant ( XXXX ) who took over {$1000.00} from me, failed to deliver the agreed-upon services, let my domain expire, withheld access to paid assets, and made up excuse after excuse. 

I did what every responsible customer is told to do : filed disputes with Discover. 

Discovers pea-brained dispute team denied them, saying I needed a refund receipt which is absurd. Scammers dont hand out refund receipts. Thats like asking a carjacker for an invoice. 

So I filed multiple CFPB complaints. Suddenly surprise! Discover approved two disputes. Then, only after I reminded them, they approved a third. 

And now heres where it becomes absolutely insane : they reversed that approval days later. No explanation. No new evidence. No warning. Just pulled the rug out. Again. 

This is no longer just a bad customer service experience. This is predatory, reckless, and borderline retaliatory behavior from a financial institution that clearly has no internal accountability. 

Let me be crystal clear : Discovers refusal to honor valid disputes, especially after approving them, is shady at best and possibly illegal. 

Their insistence on a refund receipt in a fraud case is not just unrealistic its dangerously stupid and incentivizes scammers. 

Reversing a resolved dispute after a CFPB complaint reeks of retaliation, or at the very least, gross mismanagement. 

I have bent over backward to provide evidence. Ive detailed the contract breaches, the lies, the ghosting, the undelivered services. And Ive been treated like a nuisance. 

At this point, Discover has made it clear they are not protecting consumers theyre protecting scammers. 

I am demanding : A permanent reinstatement of the refunded amount Discover sneakily reversed. 

An immediate investigation into how Discover handles fraud disputes and whether their policies are violating the Fair Credit Billing Act. 

That the CFPB force Discover to eliminate this idiotic refund receipt requirement in clear-cut fraud cases. 

That Discover be reviewed for possible retaliation against consumers who file complaints. 

I am closing my Discover account as soon as this is resolved assuming it ever is. No consumer should have to file XXXX federal complaints and chase down a credit card company for weeks just to avoid getting scammed. 

Discover has lost my business for life. Theyre not just unreliable theyre dangerous. No one should trust them to handle fraud protection. Im done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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:
I recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove this account from my report, they are hurting my ability to obtain credit.

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have been working on my credit for a few months now and I noticed a debt from an account with XXXX XXXX. The debt is being collected by a XXXX XXXX called XXXX XXXX XXXX. I have communicated to the credit agencies that this account is more than XXXX XXXX XXXX ( it's almost XXXX XXXX XXXX ) and should not be listed on my consumer report per the statute of limitations. However, this item still appears on my credit report. I am not sure how this collection agency can violate the law like this, but I am hoping that this complaint will get this item off my report.

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have been working on my credit for a few months now and I noticed a debt from an account with XXXX XXXX. The debt is being collected by a XXXX XXXX called XXXX XXXX XXXX. I have communicated to the credit agencies that this account is more than XXXX XXXX XXXX ( it's almost XXXX XXXX XXXX ) and should not be listed on my consumer report per the statute of limitations. However, this item still appears on my credit report. I am not sure how this collection agency can violate the law like this, but I am hoping that this complaint will get this item off my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX -- {$7800.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$5000.00} XXXX # XXXX XX/XX/XXXX XXXX {$0.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$5800.00} XXXX  # XXXX XX/XX/XXXX -- {$160.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: MD

Complaint narrative:
Despite previous notifications, this account remains on my credit report between Transunion and Equifax without proper verification or resolution. This continued inaction on your part is not only negligent but is actively causing harm to my financial standing. 

How long do you intend to delay compliance? XXXX  has already fulfilled its obligations by removing this disputed negative account from my credit report. There is no valid reason for TransUnion to withhold corrective action any longer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
In XXXX I needed a car and my dad pressured me into signing the worst car loan. Im paying over % 19 interest on XXXX for a car thats only worth {$6500.00}. Without any help and for a car thats not even worth it. I got manipulated into buying a car 2x its actually worth. And if I make payments on time Ill be paying up to XXXX all together. I really need help with this situation, as I believe im being taken advantage of by the dealership for hiding fees and not being transparent. And ally bank for charging me almost {$200.00} in interest a month. At this pace Ill be stuck in debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I sent multiple letters asking for debt validation/verification on all accounts and inquiries and they failed to do so.

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 2025-07-12 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: IN

Complaint narrative:
I sent multiple letters asking for debt validation/verification on all accounts and inquiries and they failed to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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:
XXXX XXXX  is continuing to report High Revolving Utilization and High Bankcard Utilization on an account that has been charged off and closed since XX/XX/XXXX, as shown in my credit report. This is a grossly inaccurate and misleading practice that negatively affects my credit profile every month. According to my report, the account was charged off and closed in XX/XX/XXXX, with a final balance of {$7100.00}. However, XXXX continues to report monthly utilization activity ( XXXX and XX/XX/XXXX ), despite the fact that no charges or payments have been made since XX/XX/XXXX. This is not only factually inaccurate, but it is also a violation of the Fair Credit Reporting Act ( FCRA ), specifically regarding the requirement to report accurate and current information. I demand immediate correction of this reporting behavior and removal of all utilization remarks related to this account from the date of charge-off forward. My credit report is clearly showing : ( 1. ) The monthly high utilization flags in XXXX. ( XXXX. ) The charge-off status and closed date ( 3. ) A {$0.00} payment received, and no activity since XXXX. The account can not be showing high utilization if it has been charged off. I. XXXX is misrepresenting this account as revolving and active, which is false and harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: FL

Complaint narrative:
XXXXXXXX XXXX is continuing to report High Revolving Utilization and High Bankcard Utilization on an account that has been charged off and closed since XX/XX/XXXX, as shown in my credit report. This is a grossly inaccurate and misleading practice that negatively affects my credit profile every month. According to my report, the account was charged off and closed in XX/XX/XXXX, with a final balance of {$7100.00}. However, XXXX continues to report monthly utilization activity ( XXXX and XX/XX/XXXX ), despite the fact that no charges or payments have been made since XX/XX/XXXX. This is not only factually inaccurate, but it is also a violation of the Fair Credit Reporting Act ( FCRA ), specifically regarding the requirement to report accurate and current information. I demand immediate correction of this reporting behavior and removal of all utilization remarks related to this account from the date of charge-off forward. My credit report is clearly showing : ( 1. ) The monthly high utilization flags in XXXX. ( 2. ) The charge-off status and closed date ( 3. ) A {$0.00} payment received, and no activity since XXXX. The account can not be showing high utilization if it has been charged off. I. XXXX is misrepresenting this account as revolving and active, which is false and harmful.

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX  is continuing to report High Revolving Utilization and High Bankcard Utilization on an account that has been charged off and closed since XX/XX/XXXX, as shown in my credit report. This is a grossly inaccurate and misleading practice that negatively affects my credit profile every month. According to my report, the account was charged off and closed in XX/XX/XXXX, with a final balance of {$7100.00}. However, XXXX continues to report monthly utilization activity ( XXXX and XX/XX/XXXXXXXX  ), despite the fact that no charges or payments have been made since XX/XX/XXXX. This is not only factually inaccurate, but it is also a violation of the Fair Credit Reporting Act ( FCRA ), specifically regarding the requirement to report accurate and current information. I demand immediate correction of this reporting behavior and removal of all utilization remarks related to this account from the date of charge-off forward. My credit report is clearly showing : ( 1. ) The monthly high utilization flags in XXXX. ( 2. ) The charge-off status and closed date ( 3. ) A {$0.00} payment received, and no activity since XXXX. The account can not be showing high utilization if it has been charged off. XXXX XXXX is misrepresenting this account as revolving and active, which is false and harmful.

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
TransUnion and Equifax in collusion with XXXX XXXX have a practice of delayed reporting on credit balance updates when they lower the balances of accounts. They will almost immediately report an increase and indicate a negative impact on the score, but when it comes to lowered balances, they delay reporting to keep the scores lower. For example, I have a card balance that the statement was issued on the XXXX of the month with a {$3000.00} decrease in balance. It is now 10 days later and it still is showing the balance from XX/XX/XXXX. They do this to deliberately suppress scores to allow banks and lenders to charge more for credit.

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 2025-07-12 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: DC

Complaint narrative:
I was looking at my credit and there are student loans on there with Dept of Ed and XXXX. I dont know where they came from I just know that are not mine. Please help me with fixing this problem.

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 2025-07-12 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: UT

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report, they are hurting my ability to obtain credit

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 2025-07-12 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: Early Warning Services, LLC
State: TX

Complaint narrative:
In XXXX, I experienced a foreclosure on my home that was directly connected to financial XXXX  and coercive control I endured during a prolonged period of XXXX XXXX. This included severe restrictions on my ability to earn, control, or manage money independently. As a result, I was unable to maintain stable housing or make informed financial decisions. 

Despite no longer being under coercion, the long-term economic consequences of XXXXincluding mortgage delinquency and property losscontinue to appear across specialty consumer reports such as those maintained by XXXX, XXXX, and XXXX. These agencies aggregate and share this information with lenders, which places me at risk of further denial of housing and credit opportunities. Although I have exercised my rights under FCRA Section 605C, these agencies either continue to report this data or have not confirmed suppression. 

I have also submitted documentation of my XXXX  XXXX  status to all major credit bureaus, who have acknowledged my request and removed or suppressed the adverse information accordingly. However, the specialty consumer reporting agencies appear to operate outside this framework or lack transparency in their procedures for 605C compliance. 

I am filing this complaint to ensure that all consumer reporting agencies, including those outside the big three, honor the legal protections extended to survivors like me. The continued presence of this data retraumatizes victims and violates federal consumer protection law. 

I respectfully request the CFPBs assistance in enforcing Section 605C compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
Exeter Finance failed to resolve the issues presented in my initial complaint. They acknowledged discrepancies in my personal information but still refuse to correct or delete the tradeline.

Violation # 1 : Per FCRA 15 USC 1681e ( b ), furnishers must report information with " maximum possible accuracy. '' The name listed is not mine, which is material and causes confusion and harm.

Violation # 2 : The account reflects multiple charge-offs, which violates FCRA 605 and 623. A charge-off is a one-time event and should not be reported repeatedly.

I demand the immediate removal of this tradeline due to these clear legal violations. I have given the furnisher ample opportunity to correct these errors, and they failed to do so. Please escalate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
FDCPA Violation No Validation Notice Issue : The debt collector failed to provide a written validation notice within five days of initial contact as required under the FDCPA.

Complaint Details : > I am filing this complaint because a debt collector contacted me regarding an alleged debt, but failed to provide a written validation notice within five ( 5 ) days of the initial communication, as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ).

According to the FDCPA, a debt collector must send a written notice containing the amount of the debt, the name of the creditor, and my rights to dispute or request validation within five days of the initial communication. I never received such a notice.

As a result of this violation, I was not informed of my rights to dispute or validate the debt, and I believe this debt should not be reported or collected until proper notice is provided. 

I am requesting that the CFPB investigate this violation, and I ask that the collection agency be required to cease all collection activities and remove any negative reporting from my credit file until they comply with federal law. 



Desired Resolution : The collection account should be removed from all credit reports.

The debt collector must cease all collection efforts until a proper validation notice is issued. 

Enforcement action to ensure compliance with FDCPA regulations. 

Additional information Collection agency- XXXX XXXX XXXX Original creditor of acount- capital one

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Dear Sir/Madam The Citi blocked my account and they did not say the reason for that. 
Unable to receive my social security deposits. 
Unable to access my account for more than one month.

Citi refused to unblock my account : XXXX Thank you 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 2025-07-12 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX  # XXXX XX/XX/XXXX -- {$2200.00} XXXX XXXX XXXX  XXXX # XXXX XX/XX/XXXX -- {$29.00} XXXX # XXXX XX/XX/XXXX -- {$130.00} XXXX  # XXXX XX/XX/XXXX -- {$190.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: PA

Complaint narrative:
To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
Please delete the items as soon as possible.

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