vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
on XX/XX/year> i wrote a letter to Jefferson capital to receive validation of the debt which they never provided to me they claim that i owe them {$980.00}, however if this debt was real they would have sent me the debt validation like i requested, so its clear that i don't owe this debt due to they have no documents to prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " high yield interest '' savings accounts. Capital One misrepresented the XXXX Checking account as having XXXX of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX Performance Checking 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 advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Chime Financial Inc
State: VA

Complaint narrative:
I am writing to complain about XXXX reporting of my ChimeXXXX account, which appears on my credit report and is inaccurately reported. The account details I have from my credit report ( see attached screenshot ) are as follows : Account Name : CHIMEXXXX Reported Balance : {$0.00} Status : This account was closed on XX/XX/XXXX Last reported : XX/XX/XXXX Opened : XX/XX/XXXX Payment history : 100 % of payments on time. 
XXXX. The account is marked as closed, but it should reflect the accurate status ( if the account is active, if it was closed voluntarily vs involuntarily, or whether it was transferred or paid in full ), and that closed status is damaging my credit score / application / profile, because it suggests a negative event when there may not have been one. 
XXXX. The reporting date ( XX/XX/XXXX ) is recent, despite the account being closed on XX/XX/XXXX. If it is closed, it should not show as recently reporting unless the closure is part of the report the timing suggests XXXX  is continuing to list it in a way that may mislead or hold an inaccurately active status. 
XXXX. The credit limit and minimum monthly payment fields are blank ( Information not available ), which suggests incomplete or missing data, potentially harming the credit score or making lenders uncertain. 
XXXX. ( If applicable ) There are no derogatory marks payments were on time 100 % but the closed status may be misinterpreted by third parties as an adverse event, especially if the account was closed by the creditor or reported incorrectly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: FL

Complaint narrative:
Im reaching out regarding a fraudulent credit inquiry that is currently appearing on my credit report. Let me be absolutely clear : I did not authorize or initiate this inquiry in any way, and I had no knowledge of it until I reviewed my credit report. 

This was not done by me, and I have never given consent to the company that pulled my credit. That means this inquiry was made without a permissible purpose, which is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am disputing the reporting of late payment ( XXXX ) tied to an account that has been closed for some time. After the account was closed, I noticed that derogatory informationspecifically late paymentscontinued to appear on my credit report. This raised immediate concern, as I had fulfilled the account terms, and no new activity should have been reported after closure. 
To resolve this, I submitted several disputes directly to the credit bureaus and the original credit or, asking for a proper review and supporting documentation of the alleged delinquencies. However, instead of receiving concrete evidence or a detailed account history, I was met with generic responses that did not clarify or justify the reporting. 
It is my understanding that once an account is closed, reporting must reflect the final and accurate status as of the date of closure, in accordance with Metro 2 data furnishing standards and the Fair Credit Reporting Act ( FCRA ). Continuing to report late payments after the account has been settled or closedespecially without verificationmisrepresents my credit behavior and damages my financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: CA

Complaint narrative:
I submitted factual disputes to Equifax multiple times regarding accounts that I do not recall ever opening. I clearly requested that Equifax either correct the inaccuracies or, if unable to verify the accounts, remove them from my credit file. Despite these repeated disputes, Equifax has left the accounts on my report without providing me with any proper verification. This indicates that Equifax did not conduct a thorough reinvestigation as required under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Green Square Company LLC.
State: OH

Complaint narrative:
PRG XXXX called me yesterday threatening to sue me over a debt from 2017 and also said they are doing an asset check and are having an XXXX come to take photos of my house and vehicles for XXXX. Time barred debt in Ohio. They also called my wife and mother and left very long voicemails saying the same thing to them without speaking with them. They say I owe {$5000.00} and if I don't pay then it goes up to over {$8000.00}. When they called in XXXX they refused to send me any written information about the debt, saying it's my responsibility to have it and to know about it then the guy called me a scumbag and hung up on me.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: CA

Complaint narrative:
Hello, I submitted a dispute claim for XXXX separate transactions for the same vendor for different reasons. I contacted credit karma to dispute a transaction for XXXX on XX/XX/XXXX for {$260.00} for merchandise that I never received from the merchant. The same day I noticed another charhe for the same merchant seatgeek for {$530.00} which was not authorized by me and have no clue who made that charge. I submitted a dispute for that charhe aswell and within a day they were both denied claiming I authorized them? Completely dumbfounded how they didnt even investigate throughly my claims or contact me for more information. This is not fair and I hope you can help with having credit karma actually help in my dispute claims. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: FL

Complaint narrative:
I am filing this as both a formal dispute under the Fair Credit Reporting Act ( FCRA ) and a formal complaint regarding the inaccurate and misleading reporting of a repossession account on my credit report. The account in question, which I co-signed, was opened on XX/XX/XXXX, and repossessed once on XX/XX/XXXX. There has been no further repossession activity since that date. However, my credit report is showing : The repossession date is missing entirely which conceals the fact that the repossession occurred in XX/XX/XXXX. The account is being reported as if it was repossessed in XX/XX/XXXX ; again in XX/XX/XXXX and XX/XX/XXXX which is false and misleading. Ongoing late payments and non-payments were being reported, which is impossible because the loan was closed after the XX/XX/XXXX repossession. The creditor has stated that the only resolution would be to pay the entire balance in XXXX lump sum, refusing to provide any payment plan option an unreasonable and punitive condition that further proves the account is being mishandled. This reporting is factually incorrect, creates the false impression that I have experienced multiple repossessions, and severely damages my ability to obtain financing for a vehicle or any other credit. Under the FCRA, it is illegal to : Re-age a debt or change the original delinquency date in order to extend the reporting period. Reporting false, misleading, or incomplete information is against the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: FL

Complaint narrative:
I am filing this as both a formal dispute under the Fair Credit Reporting Act ( FCRA ) and a formal complaint regarding the inaccurate and misleading reporting of a repossession account on my credit report. The account in question, which I co-signed, was opened on XX/XX/XXXX, and repossessed once on XX/XX/XXXX. There has been no further repossession activity since that date. However, my credit report is showing : The repossession date is missing entirely which conceals the fact that the repossession occurred in XX/XX/XXXX. The account is being reported as if it was repossessed in XX/XX/XXXX ; again in XX/XX/XXXX and XX/XX/XXXX which is false and misleading. Ongoing late payments and non-payments were being reported, which is impossible because the loan was closed after the XX/XX/XXXX repossession. The creditor has stated that the only resolution would be to pay the entire balance in XXXX lump sum, refusing to provide any payment plan option an unreasonable and punitive condition that further proves the account is being mishandled. This reporting is factually incorrect, creates the false impression that I have experienced multiple repossessions, and severely damages my ability to obtain financing for a vehicle or any other credit. Under the FCRA, it is illegal to : Re-age a debt or change the original delinquency date in order to extend the reporting period. Reporting false, misleading, or incomplete information is against the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: FL

Complaint narrative:
I had a Discover credit card account ( XXXX ) that was charged off after I became unable to make payments during a period of incarceration. I fully acknowledge the debt and the circumstances that led to it. Since my release, I am working to rebuild my financial life and would like to resolve this account in good faith. 
I have reached out to Discover to explain my situation and request available options ( such as repayment arrangements, settlement, or other resolutions ), but I have not been able to obtain a clear path forward. I am asking for Discovers assistance in working with me to bring closure to this account. 
I am not disputing the accuracy of the reporting, only seeking a cooperative resolution and, if possible, consideration for goodwill relief regarding the negative reporting. 
Requested Resolution : I respectfully ask that Discover provide me with clear options for resolving this debt ( such as repayment plans, settlement offers, or other alternatives ). I also ask that Discover consider granting goodwill relief on the negative reporting once the account is resolved, to assist me in rebuilding my credit and stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: Colony Brands, Inc.
State: PR

Complaint narrative:
Montgomery wards make an hard inquiry on my XXXX  credit report on XXXX XXXX I have been victim of identity theft, can XXXX erase my hard inquiries that don't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized hard inquiries that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove the off of my report. This issue is causing undue stress and is negatively affecting my financial standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: LA

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized hard inquiries that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove the off of my report. This issue is causing undue stress and is negatively affecting my financial standing.

Company response to consumer: Closed with non-monetary relief