vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-10 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: PA

Complaint narrative:
Paypal issued me a paypal credit card and then promptly closed the account after I bought my laptop three years ago and charged me an exorbitantly high interest rate where I have paid over {$1000.00} in total and my account only reflects XXXX dollars as still unpaid. These are predatory loans and credit card rates. And makes it impossible to pay down debt in a timely manner. Paypal does not have an adequate customer service line, everything is automated and you can not speak to an actual human.

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 2025-08-10 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: WI

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-10 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: SC

Complaint narrative:
XXXX XXXX XXXX, XXXX, XX/XX/scrub>XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
I recently disputed multiple inaccurate and incomplete accounts on my XXXX  credit report in writing, citing my rights under the Fair Credit Reporting Act ( FCRA ) 1681i and 1681e ( b ). I specifically requested a reasonable reinvestigation and the Method of Verification under 1681i ( a ) ( 6 ) ( B ) ( iii ).

XXXX  and certain furnishers failed to provide admissible evidence that the accounts were accurate. Instead, they verified the accounts without supplying proof, despite my documented disputes and requests for validation. In some cases, the accounts show inconsistent dates of first delinquency, contradictory statuses ( e.g., charge-off and purchased by another lender ), and possible re-aging, which are clear violations of the FCRA. 

For the collection accounts, the debt collectors failed to provide proper validation under the Fair Debt Collection Practices Act ( FDCPA ) 1692g ( b ), yet continued to report the debts to XXXX. This is prohibited conduct. 

I am requesting that the CFPB investigate these violations, ensure all unverifiable information is deleted from my credit file, and require the furnishers and XXXX  to comply with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: VA

Complaint narrative:
Illegally granted a loan in the state of Virginia where they are not licensed to do business

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: MI

Complaint narrative:
XXXX - I was never late on this account, please remove late payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: MI

Complaint narrative:
XXXX - I was never late on this account, please remove late payment history.

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 2025-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
When I signed up for the credit card, the agreement I signed was that until I used the card, I wouldn't be charged any fees. I haven't used the card yet, but Capital One put a membership charge on it as soon as I ordered it. They have been adding fees and interest charges on it and I haven't been notified until now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I noticed that my credit score went down by a XXXX points. When I looked at my credit report? I saw that there was a credit card with Citibank for {$27000.00}, which I did not authorized and I did not apply for I called them. And they also are looking into it. You guys are asking me for billing.Address and I didn't open this card so I wouldn't know what the billing address would be.

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 2025-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC
State: GA

Complaint narrative:
This debt collector is attempting to collect a debt allegedly owed to XXXX XXXX without providing proper legal validation. They have failed to comply with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, by not providing competent evidence of ownership or a complete chain of title as required under UCC 9-210.

They are furnishing false and inaccurate information to credit reporting agencies in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, and have refused to perform a reasonable reinvestigation as required by 15 U.S.C. 1681i.

They have also violated the Truth in Lending Act ( TILA ), 15 U.S.C. 16371638, and Regulation Z ( 12 CFR Part 1026 ) by failing to disclose changes in creditor identity and material terms after assignment or securitization. The alleged account is
believed to have been securitized by XXXX XXXX, removing them as the legal owner, yet XXXX XXXX is still attempting to collect without standing.

Furthermore, they have mishandled my personal financial data in violation of the GrammLeachBliley Act ( GLBA ), 15 U.S.C. 6801, by sharing nonpublic personal information without consent.

These actions are deceptive, misleading, and constitute unfair business practices under the Georgia Fair Business Practices Act ( O.C.G.A. 10-1-393 ). I request that the CFPB compel this company to cease all collection activity, remove any negative credit reporting, and provide full validation in compliance with federal and state law.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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 following accounts are the product of identity theft, I have reached out to each respective creditor and as of yet they have not removed these accounts from my credit. Please reach out to them on my behalf and resolve this issue. The accounts in question are as follows. Possible Finance XXXX {$450.00} XXXX and Experian, XXXX XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX {$760.00} XXXX and Experian, XXXX XXXX {$1000.00} XXXX XXXX XXXX {$150.00} XXXX  XXXX XXXX XXXXXXXX {$130.00} XXXX XXXX XXXXXXXX {$720.00} XXXX XXXX XXXX {$400.00} XXXX Experian and 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 2025-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Based on " 15 U.S. Code 1692c ; 15 U.S. Code 1692g & 15 U.S. Code 1681e ( b ) '' Please remove this collections from my credit report as it has been well past 30 days. I have received several letters and have called XXXX XXXX, the last letter is attached and it seems that XXXX XXXX is stalling. Remove ASAP.

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 2025-08-10 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: NV

Complaint narrative:
Based on " XXXX U.S. Code XXXX ; XXXX U.S. Code XXXX & XXXX U.S. Code XXXX ( b ) '' Please remove this collections from my credit report as it has been well past XXXX  days. I have received several letters and have called XXXX XXXX, the last letter is attached and it seems that XXXX XXXX is stalling. Remove ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Based on " XXXX U.S. Code XXXX ; XXXX U.S. Code XXXX & XXXX U.S. Code XXXX ( b ) '' Please remove this collections from my credit report as it has been well past XXXX  days. I have received several letters and have called XXXX XXXX, the last letter is attached and it seems that XXXX XXXX is stalling. Remove ASAP.

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 2025-08-10 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: NY

Complaint narrative:
Subject : Follow-Up Complaint Experian Willful and Negligent Noncompliance Under Federal Law To Whom It May Concern, This is a follow-up complaint concerning Experians failure to comply with federal law, including multiple provisions of the Fair Credit Reporting Act ( FCRA ), as well as violations of consumer protection responsibilities. Despite receiving valid identity documents and a certified Method of Verification ( MOV ) request, Experian has failed to respond in accordance with the law.

Additionally, I filed a complaint with the Consumer Financial Protection Bureau more than 15 days ago, and Experian has failed to respond to that complaint as well. This pattern of silence and inaction demonstrates disregard for both consumer rights and regulatory processes.

The MOV I requested should already exist in Experians system, as the reinvestigation of the disputed tradeline was marked complete. There is no legal justification for requiring multiple requests to obtain information that Experian is obligated to retain and disclose upon request.

The following legal grounds apply : 1. FCRA 611 ( a ) ( 7 ) Failure to provide the Method of Verification within 15 days 2. FCRA 611 ( a ) ( 5 ) Failure to delete unverified or unverifiable information 3. FCRA 609 ( a ) ( 1 ) Failure to provide all file information to the consumer upon request 4. FCRA 623 ( b ) ( 1 ) Failure to correct or delete inaccurate or incomplete information after notification of dispute 5. FCRA 616 Civil liability for willful noncompliance with the FCRA 6. FCRA 617 Civil liability for negligent noncompliance with the FCRA 7. FCRA 602 Congressional findings and statement of purpose : consumer protections must be fair and equitable 8. FCRA 603 Definition of 'consumer report ' and 'consumer reporting agency ' Experian is legally bound to the obligations of a CRA 9 . 15 U.S. Code 1681s2 Duties of furnishers of information to provide accurate data and cooperate with investigations 10. 15 U.S. Code 45 ( FTC Act Section 5 ) Prohibits unfair or deceptive acts or practices affecting commerce, including systemic failure to process consumer verification requests Experians failure to provide the MOV or respond to a federal complaint is not a clerical error - it constitutes willful and negligent noncompliance. I am requesting immediate action, regulatory enforcement, and acknowledgment of this violation of federal consumer protection 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 2025-08-10 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: MO

Complaint narrative:
On XX/XX/year>, I mailed a formal written dispute to Experian regarding multiple inaccurate and unverifiable accounts, including from XXXX XXXX XXXX and XXXX XXXX XXXX. The dispute included my full legal name, address, date of birth, last XXXX of my SSN, and supporting documentation. I have confirmation that Experian received it on XX/XX/year>. 

However, on XX/XX/year>, I received an automated email from Experian stating that they did not take action because the request did not appear to have been sent directly by [ me ] or to be authorized by [ me ]. This is false I sent the dispute personally via mail with full identity verification. 

I then called Experian and spoke to a representative named XXXX, who informed me that I would need to start a new dispute online or by phone for any action to be taken. This directly violates FCRA 611, which requires Experian to investigate disputes submitted by mail if they include proper consumer identification which mine did. 

Experian is unlawfully refusing to process my mailed dispute, denying me my right to a fair investigation, and forcing me to use online or phone methods even though I used a valid dispute method allowed by 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 2025-08-10 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: LEXISNEXIS
State: SC

Complaint narrative:
Complaint : Since XX/XX/year>, I have sent multiple written disputes to LexisNexis challenging any reporting of a public record bankruptcy in my name. LexisNexis confirmed in writing that there is no public record bankruptcy on file for me and that it should not be reported to any consumer reporting agency. 

However, LexisNexis has failed to provide proof of the source of this alleged record, has not shown a permissible purpose for collecting or sharing such information, and has not provided documentation demonstrating how this false information originated. 

As of last month, Equifax has stated that account has been verified and accurate with Lexis Nexis and the reporting will remain. So it look like both are trying play me for some type of joke. 

This inaccurate and unsupported reporting has caused me financial harm, denial of credit by financial institutions, and emotional distress. LexisNexis is violating FCRA 1681e ( b ), 1681i ( a ), and 1681b by failing to assure maximum possible accuracy, failing to conduct a reasonable reinvestigation, and failing to demonstrate a permissible purpose. 

I request CFPB investigate, require LexisNexis to remove any false record, provide source documentation, and take enforcement action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This debt does not belong to me and may be the result of an error or identity theft. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you : Cease all collection activities until you provide complete validation of this debt. 

Provide all supporting documentation, including any signed contract or agreement bearing my signature that proves I am legally responsible for this loan. 

If you can not provide proof that this account is valid and belongs to me, you must immediately remove it from your records and notify all credit reporting agencies to delete it from my credit file. 

I have never had any dealings with PORTFOLIO RECOVERY ASSOCIATES, and the continued reporting of this account is causing harm to my credit profile and personal reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: GA

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and I demand them to be investigated completely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: VW Credit
State: GA

Complaint narrative:
I have reached out to VW Credit to let them know they have an incorrect account reporting on my report on the dates of XX/XX/XXXX and on XX/XX/XXXX, and I would like for it to be removed from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
I was trying to move some crypto currency around. They claimed that it was suspicious activity. Said they were closing my account and would be in touch. That was a week ago. They still have my money. They have not responded to my emails, their online chat is not working, and all phone numbers that I found for them are just pre recorded messages with no ability to speak to anyone or even leave a message. The crypto company is Robinhood. The amount in there is {$1000.00}. I would like my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: LEXISNEXIS
State: NJ

Complaint narrative:
- On XX/XX/year>, I placed a security freeze on my LexisNexis consumer file. 
- On XX/XX/year>, LexisNexis disclosed my consumer data to XXXX XXXX XXXX XXXX without my consent

Company response to consumer: Closed with explanation