vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 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: MI

Complaint narrative:
On XX/XX/year>, I reviewed my Equifax credit report and noticed a credit card account from XXXX ( account ending in XXXX ) being reported with a charge-off status, a past due balance of {$760.00}, and the comment Charged off account Credit card. 

I do not recall opening this account, nor have I received any documentation validating its legitimacy. It may be a case of identity theft or misattribution.

Additionally, the reporting includes incomplete or inaccurate data, such as : No monthly payment or credit limit reported No signed agreement or supporting documents Unverified charge-off labeling This violates the Fair Credit Reporting Act : FCRA 611 Reinforces my right to a reinvestigation FCRA 623 Requires the furnisher to report only accurate, verifiable data FCRA 602 ( A ) Mandates maximum possible accuracy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I made payments back to the line of credit but they never told me about the late fees and the charges and its messing up my credit score. And once I paid all of it back they are still saying I owe them

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 2025-07-26 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: NC

Complaint narrative:
I tried to contact this bank on XX/XX/year> because my statement said I only had {$250.00} left to pay my debt. And they charge me {$2000.00} extra on XXXX because of a deferred interest. When I opened this account for a laser treatment, the personnel never mentioned this, and I was in a plan to pay this by XXXX. I did recurrent payments and again I was in a plan to pay it off. Now they charged me an extra {$2000.00}, and I called and ask if there is anyway to waived it or just charge the XXXX for the {$250.00} dollar I had to pay and they said no. Ive worked really hard to pay it off and I never knew that it was a deferred interest promotion, they did such a bad job at mentioning this when I opened the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
I am writing to file a complaint against Navient for continuing to report student loan accounts that have been legally discharged.

All of my student loans have been fully discharged, and I have documentation confirming this. Despite this, Navient continues to report these accounts to the credit bureaus as if they are still active or delinquent. This is inaccurate and harmful to my credit. 



I have contacted Navient multiple times and provided supporting documentation, but they have failed to correct the reporting. This ongoing error is impacting my ability to rebuild credit and move forward financially. 



This is a clear violation of the Fair Credit Reporting Act ( FCRA ), and I am requesting the Consumer Financial Protection Bureau ( CFPB ) assist in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: New Century Auto Sales, Inc.
State: OH

Complaint narrative:
XXXX auto sales lease me a car 3 day belt broke on car, dealer i had to fix car throw a claim the contract was only 3 day old so I couldn't do that management gave me another car not what I wanted seem I wouldn't have a choice it was summer air was turned on windows down told air will take a while to come on it never worked this car spent more time in the shop than on XXXX XXXX I had the car for year an 3 months the Turbo was replace twice, engine replaced, head gasket, alternator, battery, finally the catalytic converter and i gave up couldn't afford to pay a XXXX XXXX XXXX note no car an catch bus to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: FL

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, FL XXXX Equifax XXXX. XXXX  XXXX XXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Possible, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, 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 2025-07-26 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:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, FL XXXX Equifax XXXX. XXXX  XXXX XXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Possible, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-07-26 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian BANKRUPTCYS NOT RECOGNIZED XXXX  XXXX Bankruptcy XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-26 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian BANKRUPTCYS NOT RECOGNIZED XXXX  XXXX Bankruptcy XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
XX/XX/year>, I settle XXXX accounts with them but they keep reporting for XXXX of them and giving. Me the run around. I called to request settled account letters and they said they would send them but they only sent XXXX out of the XXXX, calls are recorded so they can tracked. This is with resurgent capital services. They keep giving. Me the run around. Ive spoken to supervisor which told me they would email me letters and they only emailed XXXX out of the XXXX. They keep reporting negative and things on credit report for account that was settled I attached the XXXX payments given to settle XXXX accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: CA

Complaint narrative:
Name : XXXX XXXX XXXX, Social Security Number : XXXX, Consumer Date of Birth:XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened at XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, XXXX XXXXXXXX on XX/XX/XXXX under the account number of XXXX, XXXX XXXX on XX/XX/XXXX under the account number of XXXX and a telephone bill opened at XXXX XXXX  XXXX on XX/XX/XXXX under the account number of XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Experian is reporting several wrong addresses and won't remove them off my credit 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 explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc.
State: FL

Complaint narrative:
I applied for a loan with Upstart.com. I was pre-approved for a {$17000.00} loan. I submitted all required documents. Then, I received an email saying my XX/XX/year> bank statement was unacceptable because it wasn't within 30 day. Today, is XX/XX/XXXX. XXXX. Clearly, I can't send them a XXXX bank statement as XXXX has not ended. Also, the bank statement sent covered through XX/XX/year>. I did as requested and they asked for documents that can't be obtained since XXXX hasn't even ended yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: SC

Complaint narrative:
i AM A VICTIM OF THE EQUIFAX DATA BREACH THIS SITUATION HAS COSTED ME MY JOB AND OTHER THINGS FROM MY LIVELY HOOD. IVE BEEN TRYING TO HAVE THESE PEICES OFN INFORMATION ON MY CREDIT REPORT CORRECTED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: National Credit Adjusters, LLC
State: MS

Complaint narrative:
Accounts were obtained in my name by a relative when they were living with me. I had no knowledge until I checked my credit report. That individual is currently XXXX. I did not open these accounts. I am asking these companies for camera footage and I will have my lawyer involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: IA

Complaint narrative:
I got the latest copy of my credit report and noticed a lot of accounts that are illegally reporting and do not belong to me. they are damaging to my report to move forward.

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 2025-07-26 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian Credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX accounts opened at XXXX XXXX on XX/XX/XXXXXXXX  and XX/XX/XXXX under the account number XXXX, an Personal Loan account opened at XXXX XXXX on XX/XX/XXXXXXXX  under the account number XXXX. These accounts has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-26 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: SC

Complaint narrative:
I am filing a complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ) by re-inserting an account that had previously been deleted from my credit reportwithout providing the legally required notification within 5 business days.

The account in question was previously removed following a dispute, and I was under the impression the matter was resolved. However, Equifax has reinserted the account without providing me written notice, as required under FCRA Section 611 ( a ) ( 5 ) ( B ).

I did not receive : Any notification of the reinsertion ; Any documentation or verification supporting the reinsertion ; Any explanation as to why the item was placed back on my credit report. 
This action has caused undue harm to my credit standing, and Equifax has failed to comply with federal consumer protection law. The company is required to both notify me in writing and verify the accuracy of the account before reinserting it into my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had a Capital One Savor credit card with a {$1000.00} credit line, and I used up all the credit but I was paying on time every month. I accidentally went {$14.00} over the credit limit on XX/XX/XXXX and instantly paid it back the same day when I realized, but they closed my account. I called customer service and they said it's because of some " suspicious activity '' or something, which is a very vague, and they can't reopen it. I had around {$230.00} in rewards I was saving up and now I can't even use it to pay back my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Halsted Financial Services, LLC.
State: PA

Complaint narrative:
XX/XX/XXXX : I write to their only provided email address contact to tell them I do not authorize a withdrawal from my account and that I will look to come to an agreement in XXXX when I am more financially stable. 
No repsonses XX/XX/XXXX : 2 withdrawals from Halstead financial form my account for approximately XXXX $ each totaling {$570.00}. 
XX/XX/XXXX : no email responses and also phone number never work or answer listed on website. 

This has put me in an immediate bad situation. I am in financial distress because {$570.00} is not a small amount. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: IL

Complaint narrative:
I was asking for my money back that was took from me because of fraud but they were not able to get my money back

Company response to consumer: Closed with explanation