vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute inaccurate and incomplete information appearing on my consumer report maintained by your organization, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

The following information is in dispute : Creditor/Furnisher Name : XXXX XXXX {$350.00} XXXX XXXX XXXX {$460.00} XXXX XXXX  {$680.00} XXXX XXXX XXXX {$1900.00} This information is inaccurate, misleading, and/or unverifiable. As such, it must be corrected or deleted from my credit file in compliance with FCRA 1681i and 1681s-2.

Despite my previous attempts to resolve this matter, you have failed to conduct a reasonable reinvestigation and remain non-compliant with the statutory requirements. This constitutes negligence under 15 U.S.C. 1681o, which holds any person who negligently fails to comply with the FCRA liable to the consumer for : 1. Actual damages sustained by the consumer as a result of the failure ; 2. Costs of the action, together with reasonable attorneys fees as determined by the court.

This letter serves as a final opportunity to correct the non-compliance before I am forced to pursue all legal remedies available to me under the FCRA, including but not limited to filing a civil claim for damages.

Requested Action : Delete or correct the inaccurate entry immediately. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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: MI

Complaint narrative:
None of the categories shown represented my issue. I received an email today saying that I used a dormant credit card, more than 6 months without using, and that it lowered my credit score by XXXX points. I have 3 credit cards and I have had them for almost 25 years. I pay off the balances each month and my credit score was XXXX until I used a card I seldom use because they are not trustworthy. If I closed an account that I've had for 25 years I get penalized. If I use my cards, I get penalized. If I don't use the cards I get penalized. The reason I used the card, XXXX, was because my XXXX card keeps having issues because they said XXXX has a lot of fraud so they declined a purchase. it is happening a lot with XXXX XXXX. So the email I received from XXXX XXXX XXXX said I used XXXX, a dormant card, and the amount was {$3.00}, of which I paid off immediately. Then with that reason Experian lowered by score by XXXX points from XXXX to XXXX. Over {$3.00} for using a card I use periodically. Something needs to be done with the credit bureaus. There is nothing I could do differently as I have longevity with decades of credit usage, I pay off my credit cards monthly and I always have paid on-time every month for several decades. So they use something like using a credit card I seldom use for {$3.00} to drop my score by XXXX points. It is all about forcing you into using their credit monitoring. They need to be held accountable. I'm XXXX XXXX XXXX and ready to stop using credit cards at all. If corporations want consumers to use them, they have to stop this nonsense. It felt like a XXXX XXXX  hit for using someone else for a {$3.00} charge when their card failed to work.

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 2025-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: MO

Complaint narrative:
Re : Account Number XXXXXXXX XXXX XXXX XXXX XXXX  To Whom It XXXX Concern, I am formally disputing the above-referenced account in its entirety. I hereby demand both Debt Validation and Debt Verification, along with disclosure of the XXXX XXXX XXXX and XXXX XXXX XXXX you used to report and verify this account with the credit reporting agencies. 

Debt Validation Demands ( FDCPA 15 U.S.C. 1692g ( b ) ) Provide : A copy of the original signed contract or agreement bearing my signature.

A complete itemized statement of all charges, fees, interest, and payments applied to the account.

Documentation proving your legal right to collect or enforce this debt.

A copy of the notice of debt you were required to send under 12 CFR 1006.34. 


Proof of compliance with the XXXX Parking Rule ( XXXX CFR XXXX ) if this account was reported to credit bureaus prior to notice. 



XXXX XXXX Demands ( FCRA 15 U.S.C. 1681i ) Provide : The name, address, and telephone number of the party you contacted to verify this debt. 


The documents, account records, or evidence reviewed during verification. 


The exact date the verification was performed. 


Copies of any communications between you and the consumer reporting agencies ( CRAs ) regarding this account. 


An explanation of how you determined the information furnished to Experian, Equifax, and TransUnion was accurate ( 15 U.S.C. 1681e ( b ) ).

Method of Validation & Method of Verification Disclose the specific method of validation used before reporting this account to the CRAs.

Disclose the exact method of verification used when responding to a CRA dispute, including identification of the person or entity contacted and the records reviewed.

Legal Basis & Rights 12 CFR 1006 No Parking Rule : Debt collectors may not report debts without prior notice.

12 CFR 1006.34 Notice for Validation of Debts : Validation information must be provided.

15 U.S.C. 1692c ( c ) Ceasing Communication : You must honor any written cease-communication request.

15 U.S.C. 1681e ( b ) Accuracy of Report : CRAs and furnishers must ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Treatment of Inaccurate Information : Inaccurate information must be deleted or corrected after investigation. 



Formal Demands Provide all documentation requested above for both validation and verification. 


Suspend reporting of this account until validation and verification are complete. 


If you can not provide full validation and verification, delete this account from XXXX credit bureau reports immediately. 


Failure to comply will result in complaints filed with the CFPB, FTC, and the Missouri Attorney XXXX XXXX, along with consideration of civil litigation for violations of the FDCPA and FCRA. 
This letter is sent in good faith, with no waiver of my rights under applicable law. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute of Inaccurate Late Payment Reporting  [Your Account Number]\n\nTo Whom It May Concern,\n\nI am writing to formally dispute the inaccurate late payment(s) being reported on my credit file in connection with the above-referenced account. After reviewing my credit report, I identified late payment entries that are inaccurate, unverifiable, and therefore must be corrected or removed.\n\nUnder 15 U.S. Code 1681 (Fair Credit Reporting Act), credit reporting agencies are required to maintain only accurate and verifiable information in consumer reports. Any information that cannot be verified must be deleted.\n\nAdditionally, pursuant to 15 U.S. Code 1666(b) (Fair Credit Billing Act), creditors must properly credit payments as of the date of receipt and ensure billing statements accurately reflect a consumers account status. Failure to properly apply payments or correct billing errors leads to inaccurate and unlawful reporting of late payments.\n\nBecause the reported late payments are either inaccurate or not properly verified, I am requesting that you conduct a reinvestigation of this matter. If the creditor cannot provide documented evidence proving the accuracy of these reported late payments, they must be deleted from my credit report.\n\nPlease complete your investigation and provide me with the results in writing within 30 days, as required by federal law. I also request that you send me an updated copy of my credit report once the corrections are made.\n\n\nThank you for your prompt attention to this matter.\n\nSincerely,\nXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I tried sending XXXX of my legal hard earned money and it was declined. At the time I had XXXX in the account. Ive been going back and forth with them for a month and first they gave me a time frame of XXXX days and now they dont say anything just to wait on an email from a department that has no way to contact them. And someone sent me XXXX today and instead of rejecting it since the account is restricted, they still accepted it. So now theres XXXX in there. Locked sitting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am filing a complaint regarding XXXX Ones handling of my closed credit card accounts. Despite these accounts being closed, Capital One continues to charge interest, which is causing the balances to grow rather than decrease. 

I have reached out to Capital One multiple times to request assistance in lowering the interest rates and setting up a reasonable payment plan, but they have refused to cooperate. Their unwillingness to work with me makes it impossible to pay down the debt in a fair and manageable way. 

Specifically, my concerns are : 1. Capital One continues to charge interest on closed accounts, which is unfair and causes financial harm.

2. They will not reduce the interest rate, even though the accounts are closed.

3. They refuse to offer any hardship or structured payment plan that would allow me to make consistent payments and work toward paying off the debt. 

This practice feels predatory and leaves consumers like me with no viable path to repayment. I am requesting that Capital One : Stop charging interest on my closed accounts, Offer a reasonable payment plan based on my financial situation, Provide clear and fair options for repayment without continued financial harm. 

I am seeking the CFPBs assistance in holding Capital One accountable for these unfair practices and ensuring consumers have access to reasonable repayment options.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MA

Complaint narrative:
On XXXX XXXX my wife XXXX XXXX XXXX suddenly. I was distraught and went to my brother 's house for a few days. In my absence, my step-daughter entered my house and stole my late wife 's purse containing identification, bank cards and a Chime account card. That card was used fraudulently beginning on XX/XX/year> up until XX/XX/year>. A police report was filed with the XXXX, SC Police Department. 

Numerous claims with Chime have all been denied and no reason is given.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Advance America, Cash Advance Centers, Inc.
State: CA

Complaint narrative:
My car was reposted. They sold my car at auction for {$5300.00} and told me they sold it for {$600.00} i obtained records from the dmv and have documented proof they are lying. Probably for tax fraud reasons.. I am filing an irs report as well they relocated their store as well

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Sky Venture Holdings LLC
State: FL

Complaint narrative:
Complaint Against Sky Autofinance Date : XX/XX/year> Complainant Information : - Name : XXXX XXXX - Address : XXXX XXXX XXXX XXXX XXXX XXXX - Email : XXXX Complaint Details : I am writing to express my strong dissatisfaction with the handling of my vehicle loan account by Sky Autofinance. On XX/XX/XXXX, I surrendered my truck, valued at approximately {$40000.00}, to XXXX XXXX due to financial difficulties. At the time of surrender, I owed a balance of {$2000.00}. 

However, I was shocked to learn that Sky Autofinance allegedly auctioned my truck in XXXX for a mere {$700.00}, which not only failed to cover the outstanding balance but also left me with no surplus. I find this auction price unconscionable and believe it was not conducted in good faith. 

Furthermore, I question the legitimacy of the auction being held in XXXX, rather than in XXXX Florida, where the vehicle was likely more valuable and would have attracted more bidders. 
On the other hand the person ( XXXX XXXX ) that picked up from me informed me through an email that he has purchased the truck from sky autofinance but refuse to disclose the price. 


Specific Issues : XXXX. Unfair Auction Price : The auction price of {$700.00} is grossly inadequate, considering the vehicle 's value was approximately {$40000.00}.

2. Lack of Transparency : Sky Autofinance failed to provide me with adequate information about the auction process, including the location and expected sale price.

3. Business Malpractice : I believe Sky Autofinance 's actions constitute business malpractice, as they failed to act in good faith and deal fairly with me. 

Requested Resolution : I request that Sky Autofinance take the following actions : 1. Provide Documentation : Provide me with documentation of the auction, including the sale price, auction fees, and any other expenses deducted from the sale proceeds.

2. Reimburse Surplus : Pay me the surplus amount I believe I am entitled to, considering the vehicle 's value and the outstanding balance.

3. Review Business Practices : Review their business practices to ensure they are acting in good faith and dealing fairly with customers. 

Supporting Documents : I have attached the following documents to support my complaint : - Copy of the loan agreement - Proof of vehicle surrender - Correspondence with Sky Autofinance - email conversation with buyer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: MN

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-09-07 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: FL

Complaint narrative:
Transunion recently had a data breach back in XX/XX/2025. 
The stolen data is reported to include names, dates of birth, Social Security numbers, drivers license numbers, billing addresses, email addresses, phone numbers, transaction reasons, and customer support messagesall highly sensitive information. 

I don't trust unfreezing my account to apply for credits being that someone has access to my personal information. I am a victim of this breach and being that their was negligence and duty of care to protect, my information was compromised. 

As a result daily i receive spam calls and emails which is very draining. I don't know from what's real or fake anymore. This company failed to withhold my federal rights and now I've been exposed to spammers.

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 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: SC

Complaint narrative:
The company is called lexisnexis is falsely reporting the wrong information between me and my twin brother and its affecting XXXX mentally and physically. And its giving us a defamation of character. They keep massively raising me and my brothers insurance rates up falsely and manipulating our SPI ( XXXX XXXX XXXX ) its against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
Mohela has not submitted correct refund amount to dept of treasury for my plsf forgiveness date of XXXX I made significant overpayments They only looked at 1 overpayment made in XXXX to keep my account current as they reviewed for forgiveness ( this process took 3 years ) Asking for agent to review my account Acknowledge my date of forgiveness and overpayments from that date

Company response to consumer: Untimely response
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute and demand immediate investigation into all inaccurate information currently reported on my TransUnion credit file. This includes incorrect addresses, multiple unauthorized or unverifiable accounts, and significant credit score inaccuracies that appear to be linked to the recent TransUnion data breach, which has compromised consumer data integrity.

Upon review of my credit file, I have identified the following discrepancies : 1. Incorrect Address on File : [ List wrong address if you know it, or write an address I have never lived at ] 2. Unauthorized or Incorrect Accounts : Account # : XXXXXXXX XXXX XXXX XXXX XXXX Account # : XXXX Account # : XXXX Account # : XXXX XXXX. Other Issues : Mismatched and inconsistent data between TransUnion, XXXX XXXX XXXX A credit score that is inaccurate due to erroneous reporting Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, TransUnion is required to : Conduct a reasonable reinvestigation of all disputed information ( FCRA 611, 15 U.S.C. 1681i ) Delete or correct any inaccurate or unverifiable information within 30 days of receiving this dispute Notify all data furnishers and ensure corrections are reported to all other credit bureaus Maintain and ensure maximum possible accuracy of all consumer reports ( FCRA 607, 15 U.S.C. 1681e ) Protect consumer data integrity and safeguard against breaches and inaccuracies Because these issues stem from compromised data and factual errors, I am requesting immediate removal of the above-listed accounts, the correction of my address, and a full recalculation of my credit score.

Failure to comply will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consideration of legal action.

Please provide a written response within 30 days of receiving this notice, as required by law. Attached are copies of my government-issued ID and proof of address for verification. 



Your Information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX Last 4 of SSN : XXXX Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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: NY

Complaint narrative:
I request that : The fraudulent XXXX account be removed in full from my credit reports at Experian, TransUnion, and Equifax under my rights provided by FCRA Section 605B.

If Discover maintains that this account is valid, they must immediately provide documentary proof of authorization in compliance with FCRA Section 609. If they can not, the account must be deleted.

The credit bureaus conduct a reasonable reinvestigation as required by FCRA Section 611, not a superficial verification process. 

If these violations are not corrected, I will have no choice but to explore my legal remedies under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), which allow consumers to pursue civil action and statutory damages for willful noncompliance.

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