vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 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: LA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX  data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was told that I am paying {$12.00} a month for a debt protection that I signed up for in 2008. They can not find copies of the document as it was too long ago. They have an option where someone can look into it but it takes 30 days. I canceled the account but want a refund of this amount as it is part of the reason my account balance is negative. I started this account when I was in the late teens and I had it set to take the minimum payment. Fast forward to today, I randomly see that I am over the limit and I call and they tell me it's because I am being charged {$12.00} a month for this service. {$12.00} a month means I have paid over {$2000.00} into this service and my credit card limit was only {$1200.00}!

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 2025-11-26 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: IL

Complaint narrative:
I am writing to dispute the following accounts reported on my credit file by TransUnion. These accounts are inaccurately reported, and I request that they be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX XXXX  ( XXXX  ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX XXXX  ( XXXX  ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$650.00} XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Inquiries : XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Late Payment Accounts : XXXX XXXX Account Number : 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 2025-11-26 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:
To whom it may concern, I am filing this complaint because inaccurate and unverified information is being reported on my credit file by the credit bureaus and the data furnishers listed below. These items are damaging my credit, preventing me from obtaining housing and financial opportunities, and violating my rights under the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX WRONG ADDRESS This address does not belong to me, I never lived here, never used it on any application, and it is appearing due to inaccurate reporting or mixed-file issues. Under FCRA XXXX ( b ) you must maintain maximum accuracy, so DELETE this address immediately. 
XXXX XXXX XXXX XXXX, FL XXXX WRONG ADDRESS This is not now nor has ever been my residence. Its presence suggests a file merge or identity mistake. You are required by law to remove any unverifiable address, so DELETE this immediately. 
XXXXCARD XXXX DATE OPENED XX/XX/XXXX BALANCE {$170.00} LATE PAYMENT This account is reporting a late payment that is 100 % inaccurate and not based on any factual history. I never missed any payment, and no valid notice, billing issue, or delinquency communication was ever received. Under FCRA XXXX and XXXX ( b ), furnishers must report accurate information only. You must either provide full validation including actual payment records, billing statements, and timestamps or DELETE the late payment reporting entirely because the current status is false, damaging, and unverifiable. I am requesting immediate correction of payment history. 
XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$21000.00} CHARGE OFF I have no knowledge of this account, I never opened it, never signed for any credit with this company, and never authorized any financial relationship. This appears to be a case of identity error or file contamination. Under FCRA XXXX ( a ), XXXX, and XXXX ( b ), you must verify the original signed contract, full account history, and proof that I am the responsible party. If you can not produce these documents, you must DELETE the entire reporting because it is inaccurate, unverified, and illegally damaging my credit profile. I am requesting full removal of this account. 
REQUEST FOR CFPB ACTION I am requesting that the Consumer Financial Protection Bureau investigate these inaccurate and unverified entries, enforce compliance with FCRA laws, require the credit bureaus and furnishers to provide proper verification, and ensure correction or deletion of all information that can not be proven with original documentation. These errors are causing financial harm, emotional distress, and obstacles in my daily life, and I am seeking immediate resolution through your office.

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 2025-11-26 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: TX

Complaint narrative:
This account is not mine and was added without authorization.

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 2025-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-11-26 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:
This entry does not match my documented payment record.

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 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: WA

Complaint narrative:
SoFi Bancorp just restricted our account for having to dispute unauthorized transactions. They informed us they are closing the account and failed to provide a reason or an expedited way to access our {$2400.00} that is our ONLY money to live on. They did this the day before XXXX with no explanation and said they could take 90 days to give us the only money that we have to live on. They won't do anything to assist us and we could literally starve to death and be evicted without assess to these funds. They refuse to have a senior supervisor assist us and provide no help. SoFi is a horrible excuse for a bank and is attempting to steal our money. I don't care if the account is closed, but we need our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
On XX/XX/year> aXXXX XXXX XXXX XXXX  contacted synchrony CareCredit customer service in regards to a payment being applied inappropriately to a Charge that was not expiring for a promotional credit. I was informed that it would take 2 to 3 billing cycles for the payment to be reapplied and instead they provided a courtesy extension to the promotional credit. The customer service rep on this day and subsequent customer service reps did not state that a daily accrued interest would be applied to the charge until it was paid off, even though the payments were not applied correctly camming a balance to still be due past the promotional balance. A payment was successfully made before XX/XX/year>, and the subsequent interest of approximately {$220.00} was reversed. This caused some of the reversal to be applied to my XXXX promotional credit and when I contacted synchrony customer service. I was informed that because I had not paid off the balance I would be charged a {$21.00} interest fee. I was informed that this was a ballot interest charge, which is incorrect as I have paid off my balances in full prior to any promotional expirations in the past synchrony customer service is now stating that I will be charged a monthly fee even though multiple times my account has had balances charged inappropriately. Attempt to get this issue corrected have failed and has caused undo stress to this card holder. 

I should not be paying a {$21.00} interest charge for a failure on synchrony part

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 monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
Upon conducting a recent and thorough review of my credit report, I identified multiple entries that are factually inaccurate and do not reflect my true credit history. As such, I am formally demanding immediate correction in accordance with the Fair Credit Reporting Act ( FCRA ).

Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are legally required to follow reasonable procedures to assure maximum possible accuracy of the information they report. Your failure to do so constitutes a direct violation of federal law.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 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 ; Furthermore, pursuant to 15 U.S. Code 1681i ( a ) ( 5 ), if any disputed information is found to be inaccurate, incomplete, or unverifiable during a reinvestigation, the reporting agency must promptly delete or modify that item and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX Account # XXXXXXXX XXXX Balance {$2300.00} Opened XX/XX/XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX  Balance {$6600.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: IL

Complaint narrative:
This is not my account, and it appears on my report in error.This is not my account, and it appears on my report in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
To Whom It May Concern, I am filing a complaint against XXXX XXXX XXXX XXXX XXXX  ( managed by XXXX ) for reporting an incorrect {$300.00} collection to my credit without proper notice or accurate billing. 

After transferring units earlier this year, the apartment sent me two different final statements : Correct statement shows the apartment owes me a refund of {$140.00}. 

Incorrect statement added a {$450.00} transfer fee I already paid ( bank proof attached ). 
This incorrect statement appears to be the basis of the {$300.00} collection. 

I was never notified of any balance by email, mail, phone, or resident portal before the debt was sent to RentDebt Automated Collections. I only discovered the collection on my credit report.

Because the fee was already paid and the correct statement shows a refund owed, the {$300.00} balance is inaccurate, unvalidated, and should never have been reported. This error is now preventing me from securing financing to purchase a car, causing serious financial harm. 

I request that CFPB require XXXXXXXX XXXX XXXX XXXX to : Correct the billing error. 

Recall and remove the {$300.00} collection from all credit bureaus. 

Acknowledge the correct final balance and issue my refund of {$140.00}. 

Provide written confirmation once corrected. 

Attachments : Correct final statement ( refund owed ) Incorrect final statement ( wrong fee added ) Bank proof of {$450.00} payment Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Did not give reporting agency permission to furnish my credit reports to the followng entities : XXXX XXXX XXXX  Date of Inquiry : XX/XX/year> XXXX XXXX XXXX Date of Inquiry : XX/XX/year> XXXX XXXX XXXX Date of Inquiry : XX/XX/year> XXXX XXXX XXXX Date of Inquiry : XX/XX/year> XXXX Evaluation Date of Inquiry : XX/XX/year> XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/year> XXXX XXXX Date of Inquiry : 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 2025-11-26 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: PA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following accounts that have been inaccurately reported on my credit file. These accounts, including charged-off items, inquiries, positive accounts, and late payments, are in dispute across the XXXX credit bureaus : XX/XX/XXXX( XXXX ),XX/XX/XXXX ( XXXX ), and TransUnion ( XXXX ). Please see the details below : CHARGED OFF XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XXXX, Balance : {$340.00} XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XXXX, Balance : {$0.00} XXXX XXXX, Account Number : XXXX, Date Opened : XXXX, Balance : {$120.00} INQUIRIES XX/XX/XXXXXXXX, Date : XXXX LATE PAYMENT XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX, Account Number : 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 2025-11-26 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am filing this complaint because Capital One is reporting a recent returned payment on my credit card account, even though the returned payment was caused entirely by a Capital One internal account transition not by insufficient funds, consumer error, or any failure to make a payment. 

I previously had a savings account with Capital One that was converted from a joint account to an individual account. During this internal conversion, Capital Ones system attempted to pull an autopay from the prior account structure, which no longer existed. This caused Capital One to mark the payment as returned, even though the funds were available and my payment method was with the same institution ( Capital One ). 

I immediately resolved the issue when I became aware of it, and all subsequent payments have been made on time and without any problems. However, Capital One refuses to remove or correct the internal returned payment flag on my account, despite acknowledging that the autopay failure occurred during their own account transition. 

Why this is a problem : Capital One is still using this internal error as the reason to deny credit limit increases, stating that my account recently had a returned payment, even though it was not consumer-caused. This inaccurate flag is causing me continuing adverse action and inaccurately reflects my payment reliability. 

This is effectively an internal reporting error being treated as if I submitted a payment that failed, and Capital One has declined multiple requests to correct it.

Company response to consumer: Closed with explanation