vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX, I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report . 

Please verify or remove immediately the following accounts : Portfolio Recovery Assoc XXXX XXXXXXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: PA

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-05-19 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: PA

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-05-19 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: HI

Complaint narrative:
My multiple attempts to resolve the fraudulent inquiries on my consumer report have been unsuccessful, despite these entries having no connection to me whatsoever. The presence of these unauthorized inquiries has inflicted significant mental and financial hardship, even preventing me from purchasing my dream home and adequately providing for my family. As an identity theft victim, the substantial impact on my financial wellbeing has left me with little choice but to consider legal action if this situation remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am filing this formal complaint against XXXX XXXX regarding a debt that was settled and paid in full for less than the balance years ago. The account shows a {$0.00} balance and was marked as charged-off, yet continues to report derogatory information to TransUnion and Equifax. 

This reporting is : Misleading, since the account is closed and paid Outdated, as the debt is beyond the statute of limitations for collection in my state ( XXXX XXXX ) Harmful, as it is lowering my creditworthiness for an account that is no longer legally valid Additionally, I have received calls at my place of employment from XXXX, which I consider harassment and a potential violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( a ) ( 3 ).

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 2025-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
It is a law that medical debt can not be added to a credit report. I have a medical debt listed and it should not be there. It is against the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: NY

Complaint narrative:
This is a request for validation made pursuant to the Fair Debt Collection Practices Act. 
I'm just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. I'm pretty frustrating to be honest, but I know that mistakes happen. I trust you'll fix the situation. Here 's the wrong info : You should also be aware that sending unsubstantiated demands for payment through the United States mail system might constitute mail fraud under Federal and State law.

You may wish to consult with a competent legal advisor before your next communication with me. 


XXXX XXXX XXXX - XX/XX/XXXX - This inquiry was misrepresented and should be deleted from my report. - The following inquiry was not authorized and should not be reporting.XXXX XXXX XXXX XXXX XXXX XXXX - This inquiry was misrepresented and should be deleted from my report. - The following inquiry was not authorized and should not be reporting.DEPT OF ED - XXXX  - This inquiry was misrepresented and should be deleted from my report. - The following inquiry was not authorized and should not be reporting.XXXX XXXX XXXX - This inquiry was misrepresented and should be deleted from my report. - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX XXXX XXXX  - This inquiry was misrepresented and should be deleted from my report. - The following inquiry was not authorized and should not be reporting.XXXX XXXX XXXX XXXX XXXX XXXX - This inquiry was misrepresented and should be deleted from my report. - The following inquiry was not authorized and should not be reporting.DEPT OF ED - XXXX - This inquiry was misrepresented and should be deleted from my report. - The following inquiry was not authorized and should not be reporting.XXXX XXXX XXXX - This inquiry was misrepresented and should be deleted from my report. - The following inquiry was not authorized and should not be reporting. 

Delete these unauthorized inquiries from my credit report immediately. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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:
This is a request for validation made pursuant to the Fair Debt Collection Practices Act. 
I'm just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. I'm pretty frustrating to be honest, but I know that mistakes happen. I trust you'll fix the situation. Here 's the wrong info : You should also be aware that sending unsubstantiated demands for payment through the United States mail system might constitute mail fraud under Federal and State law.

You may wish to consult with a competent legal advisor before your next communication with me. 


XXXX XXXX XXXX - XX/XX/XXXX - This inquiry was misrepresented and should be deleted from my report. - The following inquiry was not authorized and should not be reporting.XXXX XXXX XXXX XXXX XXXX XXXX - This inquiry was misrepresented and should be deleted from my report. - The following inquiry was not authorized and should not be reporting.DEPT OF ED - XXXX  - This inquiry was misrepresented and should be deleted from my report. - The following inquiry was not authorized and should not be reporting.XXXX XXXX XXXX - This inquiry was misrepresented and should be deleted from my report. - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX XXXX XXXX  - This inquiry was misrepresented and should be deleted from my report. - The following inquiry was not authorized and should not be reporting.XXXX XXXX XXXX XXXX XXXX XXXX - This inquiry was misrepresented and should be deleted from my report. - The following inquiry was not authorized and should not be reporting.DEPT OF ED - XXXX - This inquiry was misrepresented and should be deleted from my report. - The following inquiry was not authorized and should not be reporting.XXXX XXXX XXXX - This inquiry was misrepresented and should be deleted from my report. - The following inquiry was not authorized and should not be reporting. 

Delete these unauthorized inquiries from my credit report immediately. 

Best Regards, XXXX 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 2025-05-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Factual Dispute of Inaccurate Information on Credit Report Re : Ally Financial Account XXXX XXXX Dear XXXX, I am writing to formally dispute inaccurate and factually incorrect information listed on my credit report, which I obtained through your service. The account in question is listed as follows : Creditor : Ally Financial Account Number ( partial ) : XXXX Type : Auto Lease Date Opened : XX/XX/XXXX Balance : {$15000.00} Status : Account charged off {$15000.00} written off Status Updated : XX/XX/XXXX ( This is the specific inaccuracy ) Upon review, I noticed that the Status Updated field is showing a date of XX/XX/XXXX, which has not yet occurred. As todays date is [ Insert Todays Date ], this future date is factually inaccurate and misleading. A credit report must only contain verifiable, timely, and accurate information per the Fair Credit Reporting Act ( FCRA ). This future-dated status update misrepresents the timeline and can negatively impact my creditworthiness. 

I request that this inaccurate information be investigated and removed or corrected immediately. Please update my report accordingly and provide written confirmation of the corrections. 

Enclosed is a copy of the credit report highlighting the erroneous entry for your reference. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I am writing regarding my CareCredit account, which I recently closed after being charged unexpected and excessive interest fees. I originally used CareCredit to finance a medical procedure with the understanding that I would have a full year to pay off the balance interest-free, provided payments were made on time. 

I enrolled in automatic payments and believed my account was in good standing. However, I was shocked to discover that although nearly the full amount was paid off, a remaining balance of {$440.00} was left unpaid by the promotional deadline. Without any prior warning or notification, I was charged {$860.00} in deferred interest, plus additional charges of {$33.00} and {$88.00}, totaling nearly {$1000.00} in unexpected fees. 

Had I been properly notified that my final payment would fall short and trigger these interest charges, I would have immediately paid the remaining amount. I find this policy, and the lack of clear notice, unfair and misleading. 

I am fully willing and prepared to pay the original balance of {$440.00}, but I respectfully request that the deferred interest and associated fees be waived so I can resolve this matter quickly and in good faith. 

Please understand that I am seeking a fair resolution and closure to this account. I would appreciate your cooperation in reviewing my account and offering a goodwill adjustment. 

I look forward to your response and hope we can settle this matter quickly.

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 2025-05-19 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
In XX/XX/year>, I applied for a personal loan through PNC Bank and was denied without clear explanation. I followed up repeatedly by email requesting clarificationspecifically asking what limited business payment history meant, and how to address it. PNC never provided a full or transparent answer. 
After multiple attempts to get a formal explanation, I received vague and evasive replies. Most notably, they insisted on only discussing the issue by phone, despite my request for written documentation. They had already sent my denial via secure message ( which is now inaccessible ), but never followed up formally or through the mail. 
I submitted all required documentsincluding XXXX years of tax returns and banking statementsbut still received no clear resolution. I have maintained a business account with PNC for years, regularly depositing revenue and paying my business credit card on time. 
This complaint includes a chronological packet of emails, screenshots, voicemail transcriptions, and bank statements that demonstrate a consistent lack of transparency, poor communication, and potential discriminatory or arbitrary denial practices. 
I am requesting full review, explanation, and follow-up, and Im documenting this complaint in case further legal action becomes necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: NY

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
My card is Capital One. My billing cycle runs from the XXXX every month. I made a payment of {$300.00} ( more than the minimum ) on XX/XX/XXXX for the bill of XXXX. On XX/XX/XXXX I made another payment of {$300.00} ( over the minimum ). The second payment did not go to the principal or was applied to the month of XXXX but a second interest charge of {$170.00} was taken out and the rest applied to the principal. I called on XXXX separate occasions to talk with them. The XXXX  representative laughed at me and the XXXX  representative told me it was in the fine print that they could change interest on every payment submitted. I have never heard of this and feel like I have been punished for trying to be responsible and make extra payments to get this debt down

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: NJ

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: TX

Complaint narrative:
I reviewed my consumer reports and noticed that I had one late payment on a XXXX  XXXX  account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
I received an email from the company that my account was being closed. I did not receive a reason for the closure and I would like to keep it open.

Company response to consumer: Closed with explanation