vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One closed my account after fraudulent charges were made without my authorization. Following this, Capital One began charging me a higher interest rate even though the charges in question were fraudulent. Despite this, they ultimately closed my account and reported to the credit bureaus that I failed to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: IL

Complaint narrative:
I am filing a formal complaint regarding an illegally reported account on my credit file. Multiple collection agencies, are reporting the same account with conflicting and inaccurate information across Experian, Equifax, and TransUnion, in direct violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 Compliance Standards. 
I have never signed or agreed to any contract with these agencies, nor have they provided any legally valid debt validation, chain of title, or signed agreement despite multiple written requests. Instead, they have continued to report the account as verified, while using harassing phone calls and refusing to communicate in writing, violating the Fair Debt Collection Practices Act ( FDCPA ). Ive sent numerous of emails and reached out to CFPB with no help, and same answer from the CFPB. Not looking into this and Ive sent numerous of filings showing the inaccurate reports. 

This is a clear case of willful noncompliance by both the reporting agencies and the collection companies. Their failure to conduct a reasonable investigation under FCRA 611 ( a ) and to maintain accurate, consistent reporting under Metro 2 constitutes a serious breach of federal law.

I demand immediate deletion of this unverifiable account from all three credit bureaus and cessation of all collection activity. If this matter is not resolved promptly, I will escalate with formal legal action for damages under FCRA 15 U.S.C. 1681n and 1681o and FDCPA 15 U.S.C. 1692k. 
I am attaching evidence, including all three credit reports showing conflicting data, prior dispute letters, and records of continued collection harassment. I am requesting a full investigation and enforcement action to bring all parties into compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing a formal complaint regarding an illegally reported account on my credit file. Multiple collection agencies, are reporting the same account with conflicting and inaccurate information across Experian, Equifax, and TransUnion, in direct violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 Compliance Standards. 
I have never signed or agreed to any contract with these agencies, nor have they provided any legally valid debt validation, chain of title, or signed agreement despite multiple written requests. Instead, they have continued to report the account as verified, while using harassing phone calls and refusing to communicate in writing, violating the Fair Debt Collection Practices Act ( FDCPA ). Ive sent numerous of emails and reached out to CFPB with no help, and same answer from the CFPB. Not looking into this and Ive sent numerous of filings showing the inaccurate reports. 

This is a clear case of willful noncompliance by both the reporting agencies and the collection companies. Their failure to conduct a reasonable investigation under FCRA 611 ( a ) and to maintain accurate, consistent reporting under Metro 2 constitutes a serious breach of federal law.

I demand immediate deletion of this unverifiable account from all three credit bureaus and cessation of all collection activity. If this matter is not resolved promptly, I will escalate with formal legal action for damages under FCRA 15 U.S.C. 1681n and 1681o and FDCPA 15 U.S.C. 1692k. 
I am attaching evidence, including all three credit reports showing conflicting data, prior dispute letters, and records of continued collection harassment. I am requesting a full investigation and enforcement action to bring all parties into compliance.

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 2025-09-06 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: CA

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 2025-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: GA

Complaint narrative:
XXXX XXXX, I am disputing inaccurate information on my XXXX  credit report. Under the Fair Credit Reporting Act, you are required to follow reasonable procedures to assure maximum possible accuracy of consumer information ( 15 U.S.C. 1681e ( b ) ) and to conduct a reasonable reinvestigation of disputed items ( 15 U.S.C. 1681i ( a ) ). In light of the recenXXXX XXXX  data breach, I have reason to believe my information may have been compromised. Any item that can not be fully verified as accurate and obtained with a permissible purpose ( 15 U.S.C. 1681b ) must be deleted. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

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 2025-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST PORTFOLIO SERVICING INC
State: VA

Complaint narrative:
I made a payment of {$41.00} on XX/XX/year> which was the due date. On XX/XX/year> I discovered they company did not post or process the payment until XX/XX/year> and charged a {$30.00} late fee. I immediately called the company and was told the charge would be refunded back to the card. When I asked for a timeframe for the refund I was told there is no timeframe as they process refunds in the order they are received. On XX/XX/year> I again called the company because the charge had not been refunded. I was again told by the representative they process these types of issues in the order they were received. On XX/XX/year> the refund STILL had not been applied to my account so I AGAIN called the company and spoke with a " supervisor '' who again repeated the standard response of " it is processed in the order received. '' It has been 9 days since I was initially told the refund would be processed and applied to my account and it has not been done. At this point my funds and spending ability is being withheld and restricted by the company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
To XXXX, I am disputing inaccurate information on my XXXX  credit report. Under the Fair Credit Reporting Act, you are required to follow reasonable procedures to assure maximum possible accuracy of consumer information ( 15 U.S.C. 1681e ( b ) ) and to conduct a reasonable reinvestigation of disputed items ( 15 U.S.C. 1681i ( a ) ). In light of the recent XXXX data breach, I have reason to believe my information may have been compromised. Any item that can not be fully verified as accurate and obtained with a permissible purpose ( 15 U.S.C. 1681b ) must be deleted. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally demand the correction of inaccurate personal identification information on my credit file. This is a formal request for a manual review of my file to ensure this critical error is resolved and does not get processed through an automated system without human intervention. Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I demand that you investigate and correct the following error : PLEASE SEE ATTACHMENTS BELOW!!!

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 2025-09-06 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: MI

Complaint narrative:
The Department of Education approved a loan discharge. Multiple loans were involved and I was not informed of which loans would or wouldn't be. I only found out that one private loan wasn't included when my credit score dropped. I immediately contacted XXXX and set up a settlement/payment. They took payment, but reported late payments

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 2025-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I wanted to purchase a XXXX XXXX XXXX from an individual on XXXX who claimed she had some so I made a deposit for {$300.00} from my bank account with Wells Fargo through XXXX because the individual wanted to do the transaction through XXXX  so I sent the payment for a deposit and never received the kitten. I requested that she refund me through XXXX but she never did.

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 2025-09-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX Re : Complaint Against Hunter Warfield INC False Collection Account To Whom It May Concern, I am filing a complaint against Hunter Warfield for reporting a false collection account. 



The account is allegedly tied to an eviction at XXXX XXXX XXXX XXXX XXXX, GA, XXXX. However, I have never lived at that address. During the time in question, I rented XXXX XXXX XXXX XXXX GA, XXXX and I now own a home at XXXX XXXX XXXX XXXX, GA XXXX. I can provide documentation to verify this. 



When I contacted the debt collector, they admitted to sending account details to the wrong email address, which I never received. This shows that their records are inaccurate. 



This report violates the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I request that the CFPB investigate this matter and require the collector to remove the inaccurate account from my credit report. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: AR

Complaint narrative:
Disputing all negative creditors account related to Transunion due to Transunion Data Breach. My personal data was illegally accessed during the recent breach which has resulted in an identity compromise.

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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation
State: TX

Complaint narrative:
I am filing this complaint pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 regarding inaccurate and misleading reporting on my XXXX credit report. 
The account in question is listed as follows : Creditor : World Fin Account Number : XXXX Date Opened : XX/XX/year> Status : Charged Off/ Bad Debt Disputed Inaccuracies The account reflects conflicting balances ( {$4400.00} balance vs. {$3300.00} past due vs. {$3500.00} original balance ), which is internally inconsistent and misleading. 
The report fails to list the original creditor, violating my rights under FCRA 609.

The account is reported as a charge-off, yet still shows a current balance, which is inaccurate and confusing.

No payment history is provided, rendering the account reporting incomplete under FCRA 623 ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MO

Complaint narrative:
On XXXX XXXX  around XXXX pm my account got hacked by a chime representative. I was about to use my debit card at the gas station in XXXX XXXX, XXXX  and realized there were XXXX potential fraudulent hacks on my account and called customer service to get that cleared up and they did ; not knowing this was chime hacking my account had to transfer over and close the account out. 
I didn't even know this person after I called Chime. 

XXXX XXXX is the name Account XXXX Amount XXXX $ XXXX XXXX XXXX XXXX Dispute # XXXX Both were denied within days and customer service kept hanging up on me like they were in this together. 

I need to speak to someone higher up and need compensation for my troubles.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
Company Name : Comenity Capital Bank ( XXXX XXXX XXXX  ) Product : Credit Card XXXX XXXX XXXX XXXX Financing What happened : In XX/XX/XXXX, I financed XXXX XXXX of about {$7100.00} through XXXX XXXX Credit, issued by Comenity Capital Bank. I was told this was a promotional plan with no interest if I made payments over 24 months. I made the required minimum payments in good faith. 

However, in XX/XX/XXXX, after the promotional period ended, the bank added {$4600.00} in retroactive interest charges, bringing my balance to over {$7300.00}. I was never clearly informed that failing to pay the entire balance in full before the end of the promotion would trigger back-dated interest from the original purchase date. 

This practice feels deceptive and misleading. The promotional terms were not adequately explained, and the minimum payments they set up were not nearly enough to avoid this trap. I believe this is an unfair or abusive financing practice. 

What I want : I request that Comenity Capital Bank reverse or reduce the {$4600.00} interest charges and adjust my account to reflect only the actual balance owed on the dental services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I started a complaint XX/XX/XXXX asking where are my transactions for the year of XXXX. I paid my bills, and shopped with my debit card. I have this year 's statements on same bills and shopping habits. Insurance payments and other purchases disappeared. I need this information for tax purposes.

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 2025-09-06 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: NJ

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Issues with fees connected to the loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I found out 4 years after I graduated that I was getting charged from a company named Nelnet. This news came from my bank that notified me that my credit was ruined, because the comany itself never bothered to reached out to me.desperately called the company to get information why they were charging me for a school loan because I had a union that already payed for it during the semesters I went to that school. As a result no one from the company had no clue about it. Im still paying for this loan because Im afraid theyll put me in trouble with the government but I have no idea why Im paying for. I went to the school and spoke to a lot of people. They only care about your money. Im still in a desperate situation because I already payed around $ XXXX to the school and yet I own them another XXXX. I have XXXX kids and both on my in-laws live with me. My husband and I take full care of them because theyre old. I beg anyone whos able to help to give me a call back at XXXX. Because my school and the company are money hungry people and dont care about others feelings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Contacted debt collectors for debt validation never received

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