vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Company : XX/XX/XXXX XXXX : Credit card Issue : Incorrect information on credit report / Improper handling of payment Complaint Summary In XX/XX/year>, XXXX XXXX reported a 30-day late payment on my credit card ending in XXXX. This reporting is unfair and inaccurate because the issue resulted from a payment processing error in XXXX XXXX system and their failure to notify me that my payment was rejected. 

What Happened I submitted a payment of approximately {$400.00} ( when only {$60.00} was due ), but accidentally selected a closed XX/XX/XXXX XXXX XXXX account that still appeared in the XXXX XXXX drop-down payment options. 

The payment was rejected, but XXXX XXXX never notified me that the payment had failed. 

Believing the payment had gone through, I later discovered an alert that my account was already nearly 20 days past due. 

I immediately submitted another payment for more than the minimum due, but for reasons outside of my control, this second payment did not properly post. 

By the time I realized the issue and corrected it, XXXX XXXX reported the account as 30 days late. 

Why This Is a Problem The late mark was caused by a system design issue ( a closed account still appearing in the payment drop-down ) and XXXX XXXX failure to notify me of the rejected payment. 

At all times, I had sufficient funds ( over {$100000.00} in XXXX XXXX accounts at the time ). This was not a case of inability or unwillingness to pay. 

I acted in good faith, attempted to pay more than the minimum, and resolved the issue as soon as I discovered it. 

Despite this, my credit was penalized with a 30-day late mark that is misleading and damaging to my profile.

Resolution Requested I respectfully request that XXXX XXXX remove the XX/XX/year> 30-day late payment from my credit reports. Given the circumstances, this mark does not accurately represent my payment history, financial responsibility, or my 25-plus-year relationship with 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 2025-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
Credence collections constantly calling my phone and family members phones to collect a {$170.00} Sudden Link cable tv debt that is way past the 7 years and 180 days. The Cable company is now XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Climb Credit Inc.
State: AR

Complaint narrative:
I took out a private student loan in the amount of {$9900.00} through Climb Credit for my husband to enroll in the XXXX program. Although my husband was the student and I was not enrolling, XXXX encouraged me to take out the loan solely in my name ( not as a cosigner to my husband ) to secure the loan. My husband attempted to withdraw from the program, but XXXX rarely responded and never officially processed his unenrollment. 

I contacted Climb Credit regarding this issue, fully expecting to remain responsible for at least part of the loan. I am seeking documentation of the current loan balance, fees, and interest, as well as consideration for any adjustment or settlement based on the fact that the educational service was not delivered as agreed. 

Enrollment in the XXXX program was completed XX/XX/year>. Loan application with Climb Credit was completed the same date. Loan was finalized XX/XX/year>. I requested assistance from Climb to cancel the loan XX/XX/year>. They replied promptly and advised me to contact XXXX financial aid office to discuss their cancellation policy. Multiple XXXX  staff spoke to my husband vaguely about unenrollment, but no one ever started the process, only continuously passed my husband off to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : [ XXXX XXXX XXXX ) Account Number : [ XXXX ] Date of Charge-Off : [ XXXX, XXXX  ) It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is XXXX years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 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: 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. 

UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/year>

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 2025-08-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their Obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$710.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$4900.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$3300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-31 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: NJ

Complaint narrative:
On XX/XX/year> : Account Name : XXXX XXXX Bank Account Number : XXXX This is my third and final notice regarding the fraudulent account listed under XXXX XXXX Bank. I have disputed this account multiple times, and your reinvestigation process has failed to produce any valid documentation proving I opened or authorized this account. 
Let me be absolutely clear : this account is not mine. I have no relationship with XXXX XXXX Bank, and this entry is damaging my credit profile without justification. 
Under the Fair Credit Reporting Act ( FCRA ) Section 611, any item that can not be verified must be removed from a consumers credit report. Continued reporting of this unverifiable and fraudulent account is a direct violation of federal law. 
If this account is not deleted from my report within 15 days, I will take the following actions : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) Submit a report to the Federal Trade Commission ( FTC ) Pursue legal action for noncompliance with the FCRA, including damages You are now on notice. Please consider this letter your final opportunity to comply with federal law before further actions are taken. 
Included are : A copy of my government-issued ID A recent utility bill verifying my current address I demand immediate removal of this account and written confirmation of the correction

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 2025-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Kriya Capital, LLC
State: MS

Complaint narrative:
My personal information was exposed in a recent data breach. I did not authorize the use of my information for any accounts or transactions that occurred afterward. Because my data was leaked without my consent, I believe I should not be held responsible for any accounts, charges, or inquiries made in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : [ XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ) Date of Charge-Off : [ XXXX ] It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this complaint because TransUnion is reporting inaccurate and unverifiable information on my credit report. On XX/XX/year>, I identified several accounts that I believe are either outdated, not mine, or can not be verified under the Fair Credit Reporting Act ( FCRA ). 

Please delete the following accounts : 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 XXXXInquiryXXXX XXXX XXXX  XXXXInquiryXXXX XXXX XXXXInquiryXXXXXXXX XXXX XXXXInquiryXXXX XXXX XXXXInquiryXXXXXXXX XXXXInquiryXXXX  XXXXInquiryXXXX XXXXInquiryXXXX  XXXX XXXXInquiryXXXX XXXXInquiryXXXX DEPT OF EDInquiryXXXX DEPT OF EDInquiryXXXX XXXXInquiryXXXX XXXX  XXXXInquiryXXXX XXXX XXXXInquiryXXXX XXXXInquiryXXXXXXXX XXXXInquiryXXXX XXXXInquiryXXXX XXXX XXXXInquiryXXXXXXXX XXXX XXXXXXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX Incorrect Personal I submitted a formal dispute to TransUnion requesting that these accounts be fully investigated and removed if not verified with proper documentation. However, I did not receive a meaningful investigation or verification, and the inaccurate information remains on my report. 

I am requesting the CFPB 's assistance to ensure TransUnion complies with federal law, specifically sections 1681i ( reinvestigation of disputed information ) and 1681b ( permissible purpose ). My goal is to have any unverifiable, inaccurate, or unauthorized accounts permanently deleted from my file.

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 2025-08-31 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:
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.

Please delete the following accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX - Incorrect XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal , has violated my rights. 

I looked at my credit bureau credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. 

15 U.S.C. 1681B ( 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. I kindly request that you block this information from my credit report within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-08-31 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: MS

Complaint narrative:
My name is XXXX XXXX and I am a consumer/ natural man submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.

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 2025-08-31 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: MS

Complaint narrative:
My name is XXXX XXXX and I am a consumer/ natural man submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 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: MS

Complaint narrative:
My name is XXXX XXXX and I am a consumer/ natural man submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.

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 2025-08-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: General Motors Financial Company, Inc.
State: TN

Complaint narrative:
We purchased a XXXX  XXXX XXXX on XX/XX/year>, we were there in person and signed this contract in ink. We opted into adding Gap coverage on the vehicle and they even told us that the finance company was requiring us to add the coverage due to the vehicle cost which we were ok with anyway. Our vehicle was totaled last month. I called the finance company to get the gap company information and they informed us that we were not enrolled in gap coverage. They proceeded to send me a copy of the contract they had on file for us that showed we did not have gap. That's when we realized that the contract they had was dated XX/XX/year> a whole month after we were at the dealership and was electronically signed and it did not include the gap coverage. We did not electronically sign anything and we sure did not do it a whole month later. I have the receipts of when we paid the down payment and I have copies of the papers we signed in XXXX. We have tried reaching the dealership calling different numbers and no one seems to be able to answer the phone. GM Financial has even attempted contact with the dealership and they have not even received a response. I am now having to pay the difference on the balance out of pocket because the dealership signed my signature on a contract that I was not aware of and decided not to include gap. I will definitely be pursuing this further, the contract was fraudulently signed and created.

Company response to consumer: Closed with explanation