vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 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: CA

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccurate and unauthorized items being reported on my consumer credit report in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). The following addresses, accounts, and inquiries are inaccurate and need immediate investigation and removal from my credit file. The continued reporting of these items is causing harm to my creditworthiness and is in direct violation of my consumer protection rights.

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$250000.00} This account is reporting multiple late payments that are factually inaccurate and unverified. I have never received proper validation or evidence confirming the legitimacy of the alleged delinquencies. Continuing to report unverifiable late payments violates FCRA 1681s-2 ( b ) and 1681i ( a ), as no certified proof of delinquency was provided. The inconsistent reporting of payment history shows data integrity failure, demanding immediate correction and deletion to maintain compliance. 

INQUIRY XXXX XX/XX/XXXX This inquiry was not authorized by me and constitutes a violation of FCRA 604 ( a ) ( 2 ). No permissible purpose was granted, and the bureau must delete this inquiry immediately.

The continued reporting of these inaccurate items and unauthorized inquiries has caused significant financial and emotional distress, reducing my credit score, damaging my credibility, and affecting my ability to obtain fair credit opportunities. I am requesting that the Consumer Financial Protection Bureau take immediate action to enforce compliance with federal consumer laws and ensure that all unverifiable, inaccurate, and unauthorized information be deleted from my credit report 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 2025-10-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: RentDebt Automated Collections, LLC
State: OH

Complaint narrative:
This account was dismissed without prejudice and I was told since I had moved out already and the plaintiff did not show up, the amount did not need to be paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I am submitting this complaint regarding my Capital One Bank USA, XXXX. account ending in XXXX, which was opened on XX/XX/XXXX. 

In XX/XX/XXXX and XX/XX/XXXX, Capital One reported late payments on this account. During that period, I was facing serious medical and personal emergencies that disrupted my finances and attention to routine obligations. I believed that my automatic payments were properly set up, but it appears the payments were either not processed or not applied as expected. 

As soon as I became aware of the issue, I immediately resolved the past-due balance and contacted Capital One to explain the situation. I was told that my case would be reviewed and that a goodwill request could be submitted, given the circumstances and my intent to maintain good standing. 

Unfortunately, I later learned that the late payments remain on my credit report, and these are now the only negative marks affecting my credit profile. This is significantly impacting my ability to qualify for a mortgage despite my otherwise responsible payment history and strong credit record. 

I take full accountability for the oversight and have since taken steps to ensure it can not happen again. I have confirmed that automatic payments are active, established payment alerts several days before each due date, and now manually verify all payments monthly. 

These late reports do not reflect my overall credit behavior or payment reliability, and I respectfully request that this matter be reconsidered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I am submitting this sixth formal request for correction and verification of an inaccurately reported account on my credit report. This request is urgent, as previous attempts to resolve this matter have not resulted in proper correction. I am not seeking deletion, but a full review and accurate update of the account information. 
XXXX XXXX XXXX Account No : XXXXXXXX XXXX Balance Owed : {$98.00} Date of Last Activity : XX/XX/year> Date Reported : XXXXPayment Status : Current Last Payment : XX/XX/year> This account is being reported with an incorrect Late Open status. This is misleading and does not reflect my actual payment history or standing with the creditor. As shown above, the account is current, and all payments have been made on time. Misreporting it as Late Open negatively impacts my credit profile and constitutes a violation of federal law.Under the Fair Credit Reporting Act ( FCRA ) : 611 ( 15 U.S.C. 1681i ) : I have the right to dispute inaccurate information, and the bureau must conduct a full and reasonable reinvestigation to ensure all data is accurate.

623 ( a ) ( 2 ) ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ) : Furnishers, including XXXX XXXX  XXXX, are obligated to correct and update information once an error is identified.

607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Credit reporting agencies must maintain maximum possible accuracy in all reported information.

609 ( a ) ( 15 U.S.C. 1681g ( a ) ) : I am entitled to a complete disclosure of all information in my file, including the corrected account data.

1666 ( 15 U.S.C. 1666 ) : Protects consumers from continued reporting of billing or posting errors that misrepresent account status or payment history.

615 ( a ) ( 15 U.S.C. 1681m ( a ) ) : Furnishers must notify consumers promptly of adverse information and corrections.

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 2025-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: WA

Complaint narrative:
National Credit Adjusters ( NCA ) is collecting and reporting several accounts that are either time-barred or potentially duplicated. 

When I logged into their website ( nca.totalcollectr.io ), I saw the following accounts : NCA Account # XXXX XXXX XXXX XXXX XXXX {$1000.00} NCA Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$450.00} NCA Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$440.00} XXXX own disclosure on their website stated : The law limits how long you can be sued on a debt. Because of the age of your debt, National Credit Adjusters , LLC can not sue you for it and will not sue you for it, even if you make a payment. 

This clearly confirms that at least the XXXX XXXX XXXX and XXXX of the XXXX XXXX accounts are time-barred under XXXX  law . 

Despite this admission, NCA continues to list these accounts as active on my XXXX  and XXXX  credit reports and encourages payments through Pay Now and Schedule Now buttons on their website. 

The second XXXX XXXX account XXXX be a duplicate or re-aged entry, because both list nearly identical creditors and balances, yet NCA has not provided any documentation to verify its validity or assignment. 

These actions misrepresent the legal status of the debts and violate : FDCPA 807 ( 2 ) ( A ) false representation of legal status FDCPA 807 ( 10 ) deceptive collection practices FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ) furnishing inaccurate or misleading information RCW 19.16.250 ( 21 ) attempting to collect time-barred debts in XXXX XXXX XXXX collecting without a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2025-10-31 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2025-10-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America XXXX dispute for the duplicate {$3500.00} transactions withdrawn from my accounts. I understand the claim was denied due to being outside of the standard dispute timeframe ; however, these transactions represent a bank processing error, not an authorized transfer. 

My daughter received only one {$3500.00} transfer, yet my account was debited twice ( on XX/XX/XXXX, XX/XX/year> ). I did not authorize or initiate the second transaction, and it appears to have been duplicated by the system. Additionally, one of the deductions was taken from my savings account, which is highly unusual, as XXXX transfers should originate only from checking. 

I reported this issue promptly upon discovering it, and I respectfully request a full review and reconsideration under Regulation E ( 12 CFR 1005.11 ) as an unauthorized or erroneous electronic fund transfer. 

Please provide written confirmation of this appeal and any next steps. 

Ive already filed multiple claims, but this was clearly a duplicate system error, not a late dispute. Please help me escalate this under Regulation E for bank error

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 2025-10-31 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: NC

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act, which requires reporting 100 % accurate information. I've have struggled to get approved for auto loans & credit cards due to these negative inaccurate items on my report. This has been a very stressful for time me & my family. These accounts in my attached letter are not accurate and I demand their immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have reported multiple incidents of fraud to Capital One, yet no claim number has been issued and no effective protection has been provided. Despite my repeated reports and documentation, Capital One has only stated that my account is being monitored, rather than taking proactive measures to prevent further loss. 

On XX/XX/year>, a fraudulent {$7000.00} check was written and cleared on XX/XX/XXXX around XXXX XXXX, after I had already attempted to stop payment. I was unable to reach Capital Ones fraud department because they close by XXXX or XXXX XXXX XXXX. This gap in support allowed the check to go through overnight. 

Prior to this, on XX/XX/XXXX, I reported suspicious {$0.00} test charges on my account and requested stronger fraud safeguards. Capital One replaced my debit card but took no further preventive steps. Less than XXXX weeks later, another fraudulent transaction occurred. 

I also had a Zoom meeting with XXXX XXXX and XXXX XXXX on XX/XX/year>, regarding the account and fraud case. Despite my efforts to comply and provide identification, they have made the process unnecessarily difficultrefusing to open a replacement account unless I verify an outdated address using old documents such as my XXXX letter or utility bill, which do not reflect my current business location. Nothing has changed with current account, capital one already has all information as my account has been open since XXXX Their internal communication is inconsistent, and I have repeatedly been told different things by different representatives. I have also requested to work with a new representative due to the lack of progress and unprofessional handling of my account, but my request has not been properly escalated. 

At this point, I am being asked to deposit new funds into a compromised account just to make it current, which is unreasonable and unsafe. I am extremely concerned about the security of my funds and Capital Ones ongoing failure to protect me after multiple reports of fraud.

I am requesting a full investigation into Capital Ones handling of my fraud claims, their lack of communication and preventive action, and their unreasonable document requests preventing me from safely opening a new account. 
This is not the first instance of fraud on my accountthere was a previous fraudulent {$42000.00} transaction in XX/XX/year>, which I reported to Capital One as well. The pattern of fraud and lack of adequate security continues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-31 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:
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. 



Account name ( XXXX ) account number # XXXX * * * * Account name ( XXXX ) account number # : XXXX * * * * 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 generallf, 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.

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 2025-10-31 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I repair my car date XX/XX/XXXX bill was {$920.00} the XXXX offer me to pay in 6 month no interest from Synchrony bank I accept and start payment of {$150.00} a month after XXXX I figure this last pay. and i paid $ XXXX I found out I still owe {$150.00} to be last payment was paid XXXX XX/XX/XXXX or before XXXX XXXX end. In week I receive e-mail the bank charging me {$170.00}. $ XXXX I did not pay last month the minimum {$30.00} and $ XXXX because I m late. I called and explain that XXXX years old I'm not sharp as use to be I paid the {$27.00} as last payment but next month I found out I owe another {$150.00} I pay it and the bank has his money on time before 6 month end and I'm ready to pay {$35.00} penalty, he said no we do not accept .the bank call me another 2 times and no agreement and in XXXX they call me and ask me to pay {$70.00} XXXX ask way? response was : you did not pay late fee {$35.00} in XXXX and XXXX. XXXX him I offer to pay {$35.00} in XXXX your bank refuse that if you want I ll pay $ XXXX bank did not accept that, the bank report me to the XXXX agencies and ruing my exellent credit it was XXXX thank you

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 2025-10-31 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: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Account XXXX my rights 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 customer reporting agency can not furnish a account without my written instructions

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 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
This complaint is being submitted by XXXX XXXX XXXX, XXXX, represented by XXXX XXXX, as the authorized representative for XXXX XXXX XXXX, pursuant to the attached XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/year>. The complaint concerns inaccurate and misleading reporting by the credit bureaus XXXX regarding XXXX tradelines reported under AMERICAN EXPRESS BANK. Specifically, both accounts reflect conflicting statuses such as Charge-off, Paid, Derogatory, and {$0.00} balance, which can not legally or factually coexist under the Fair Credit Reporting Act ( FCRA ). Despite prior disputes, these accounts continue to display contradictory information that damages the consumers credit standing and fails to meet the accuracy and completeness requirements outlined in FCRA 607 ( b ), 611 ( a ), and 623 ( a ). The consumers representative has submitted proper documentation and identification under legal authorization, yet no proper reinvestigation, verification, or correction has been completed. We respectfully request the Consumer Financial Protection Bureau ( CFPB ) to intervene and require each credit bureau to conduct a full reinvestigation, ensuring all unverified or contradictory information is permanently deleted or corrected in compliance with the FCRA. AMEX XXXX XXXX XXXX XXXX XXXX  In resolution of this matter, XXXX XXXX XXXX, XXXX, acting under valid authorization from XXXX XXXX XXXX, requests that all three credit bureaus Equifax take immediate corrective action. Specifically, we demand the removal or correction of both AMERICAN EXPRESS BANK & AMEX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: EQUIFAX, INC.
State: TN

Complaint narrative:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
Hello, Yesterday evening all of my accounts with Synchrony was closed for no apparent reason. There were no communications about it, no reduction of limits, no major credit report changes, absolutely no warnings. I understand that the card holder agreement states that they can close my account whenever they want but I rely on these cards for my everyday usage especially my Care Credit account which was one of 6 accounts that were closed with total credit limits amounting {$75000.00}. This is a major hit to me financially as well as to my credit as I have been a Synchrony customer for over 8 years. This closure comes after I just paid for a {$9000.00} XXXX using my Care Credit card. I used Care Credit because I cant pay it off immediately and relied on being able to pay for it monthly. Now with them closing my account if I dont pay it off ASAP they will probably try to send it to collections. I understand that I had high credit limits with them but if they were concerned about those limits they should have just reduced them instead of shutting down all of my cards. Ive had nothing but a positive history with them. As I stated there has been no major changes to my credit report. Ive never had any missed payments with them or any other companies, no collections, no negatives on my credit report at all. I would ideally like my accounts restored even if they have reduced limits. I rely on care credit for my medical conditions and its unfair that they did this without any warning.

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