vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-02 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:
Please record new violations identified in my IdentityIQ report dated XX/XX/XXXX : for the closed Bank XXXX XXXX and XXXX tradelines, TransUnion/Experian continue to publish contradictory fields ( BoA : Charge-off/Closed while showing credit limit/balance/utilization and a DLA vs Last Payment conflict ; XXXX : obligation satisfied/Closed while preserving a block of XX/XX/XXXX lates ). This violates FCRA 611 ( a ) ( 6 ) ( improper reinvestigation notice ), 611 ( a ) ( 7 ) ( failure to provide description of procedure ), 12 C.F.R. 1022.42 & Appendix E ( accuracy/integrity of data format ), 12 C.F.R. 1022.43 ( direct disputes ), and CCCRAA 1785.16 ( a ), ( f ), ( k ). I request manual compliance suppression/deletion, a full description of procedure ( ACDV/AUD IDs, response codes, timestamps ), and written remediation within XXXX business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kovo
State: KY

Complaint narrative:
To Whom It May Concern : account # XXXX I am writing to dispute inaccurate information appearing on my credit report under the account listed above. This account is being reported as a charged-off despite being paid, and the reporting contains errors that violate the Fair Credit Reporting Act ( FCRA ). 

After reviewing my credit file, I identified the following inaccuracies : The account is listed as charged off but also marked paid, which is an inconsistent status. 

The payment history, balance, and/or status dates are being reported inaccurately. 

The reporting does not reflect complete, timely, or verifiable information as required under 15 U.S.C. 1681e ( b ) and 1681i.

Because the information is incomplete, inconsistent, and unverifiable, I request that you conduct an investigation and delete this account from my credit file if the furnisher can not verify the accuracy of all reported information.

Please provide me with the results of your investigation, including any documentation used to verify this account. If the creditor can not provide proper verification, the account must be deleted according to FCRA requirements.

Thank you for your prompt attention.

I expect your response within the 30-day investigation period. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Summary for CFPB Online Complaint Form : I am filing a complaint against Experian for providing an incorrect credit score when I applied for a car loan with My bank XXXX XXXX XXXX XXXX on XX/XX/2025. Experians score was significantly lower ( XXXX ) than what it showed on their website on that same day, which was XXXX, the scores from XXXX  and XXXX, which I verified the same day. As a result, I was [ denied the loan/ offered a higher interest rate ]. I believe Experian used an inaccurate scoring model that does not reflect my actual credit profile. I contacted my bank and Experian on asking them they did what they did and tried to dispute this but have not received a satisfactory resolution. I request that the CFPB investigate Experians scoring practices, ensure my credit file is corrected, and take steps to prevent this from happening to other consumers. I will also follow-up with other agencies to help me with these situations. This is not the first time Experian refusing on doing what is right or following the Fair credit reporting act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
A Credence representative called me from a spoofed number that was local to my address in regards of a debt from XXXX. I requested that the debt be verified and that to only contact me in mail only from there on, but, the representative insisted on getting more information from me over the phone. The verification letter only stated that the debt was correct and had a link to pay the debt. There is no way listed on the letter on how to dispute the debt via primary or alternative means, additionally, the letter does not have an itemized list for how the debt cost has changed since purchased. The letter also does not have any information on how long I am able to dispute the debt for. Lastly, I did not provide my current residential address so I am not sure what means or methods the company went through to obtain that personal information. The address I gave was an address that my family lives at, that I still also receive mail at too.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
To Whom It May Concern, Account # XXXX I am writing to formally dispute inaccurate and inconsistent information appearing on my credit report regarding the above-referenced charge-off account. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full investigation and immediate correction or removal of any unverifiable or inaccurate information. 

Specific Inaccuracies Disclosed : ( Replace with your actual issues or leave blank for me to fill in ) Dates do not match between bureaus ( Date of First Delinquency / Date Opened/ Date Closed ). 

Balance reporting inconsistently ( balance showing after the account was paid/settled ). 

XXXX reported inaccurately, including contradictory charge-off, closed, paid, or past-due statuses. 

Payment history inaccurately marked, including late payments after the charge-off date. 

Duplicate reporting or re-aging of the debt, which is prohibited. 

These inconsistencies violate FCRA requirements for accurate and verifiable reporting. Under 15 U.S.C. 1681i, you are required to conduct a reasonable investigation. If the furnisher can not verify each disputed item with documented evidence, the information must be deleted from my credit file. 

Requested Action : XXXX a full investigation into the accuracy of this account. 

Provide me with written verification of the information from the furnisher. 

Delete any portion of the reporting that can not be 100 % verified with original records. 

Provide me with an updated credit report reflecting all corrections. 

I have enclosed copies of my identification and any supporting documents relevant to this dispute. Please complete your investigation within the required XXXX FCRA timeframe and send me written confirmation of the results. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I demand a same-day off-cycle correction within XXXX hours of this complaint. As the furnisher of record, Bank of America must promptly correct and transmit deletions to all CRAs under FCRA 623 ( b ) ( 1 ) ( D ) ( E ) and 12 C.F.R. 1022.43 ( b ) ( 3 ) ( Furnisher Rule ). 
Specifically : XXXX. Issue AUD off-cycle DELETE/SUPPRESS of the disputed Bank of America XXXX XXXX Experian and TransUnion ( Equifax already XXXX ) XXXX 
XXXX. Remove/suppress any related entries at ChexSystems and XXXXXXXX XXXX XXXXXXXX XXXX 
XXXX. Provide full XXXX of XXXX : ACDV/AUD IDs, response codes, timestamps, e-OSCAR logs, DOFD, charge-off calculation, and call/contact logs. 
XXXX. Confirm no reinsertion will occur absent certified documentation per FCRA 611 ( a ) ( 5 ) ( C ). 
XXXX. Send off-cycle updates and written confirmation of completion within XXXX business days. 
( Reference internal BoA case XXXX and existing CFPB IDs on this matter. )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
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 section1637 { b } of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

[ credit acceptance corporat ] Never sent the period statement along with the disclosures from section 1637 [ b ].

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! 

Delete the late payments from my consumer reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: GA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate accounts. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any re investigation 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 shalli ) 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 re investigation ; and ( ii ) promptly notify the furnishes of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, I presume that no Proof of the alleged debt, nor therefore any such debt, in fact therefor exist

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: GA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate accounts. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any re investigation 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 shalli ) 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 re investigation ; and ( ii ) promptly notify the furnishes of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, I presume that no Proof of the alleged debt, nor therefore any such debt, in fact therefor exist

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 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: GA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate accounts. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any re investigation 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 shalli ) 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 re investigation ; and ( ii ) promptly notify the furnishes of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, I presume that no Proof of the alleged debt, nor therefore any such debt, in fact therefor exist

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 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: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
To Whom It May Concern, Account # XXXX I am writing to formally dispute inaccurate and inconsistent information appearing on my credit report regarding the above-referenced charge-off account. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full investigation and immediate correction or removal of any unverifiable or inaccurate information. 

Specific Inaccuracies Disclosed : ( Replace with your actual issues or leave blank for me to fill in ) Dates do not match between bureaus ( Date of First Delinquency / Date Opened/ Date Closed ). 

Balance reporting inconsistently ( balance showing after the account was paid/settled ).

Status reported inaccurately, including contradictory charge-off, closed, paid, or past-due statuses.

Payment history inaccurately marked, including late payments after the charge-off date.

Duplicate reporting or re-aging of the debt, which is prohibited.

These inconsistencies violate FCRA requirements for accurate and verifiable reporting. Under 15 U.S.C. 1681i, you are required to conduct a reasonable investigation. If the furnisher can not verify each disputed item with documented evidence, the information must be deleted from my credit file. 

Requested Action : Conduct a full investigation into the accuracy of this account.

Provide me with written verification of the information from the furnisher. 

Delete any portion of the reporting that can not be 100 % verified with original records. 

Provide me with an updated credit report reflecting all corrections. 

I have enclosed copies of my identification and any supporting documents relevant to this dispute. Please complete your investigation within the required 30-day FCRA timeframe and send me written confirmation of the results. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIRST HORIZON BANK
State: FL

Complaint narrative:
I recently submitted a complaint with XXXX XXXX  because I was unable to determine which bank used my information. I was merely basing it off past accounts that I may I have had. With research and investigating, I found that First Horizon did in fact had an account in my name which I was not aware of. They are telling me that I owe money ; however, I never personally opened an account with them. Someone used my information to open an account with them illegally. This issue is stopping me from opening a new bank account for my job. This has caused so many problems and will continue to be a burden as I move forward and establish credit. I am unaware of the actual amount and this happened in 2024. Please tell me the next steps to correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
On XXXX first XXXX XXXX and XXXX XXXX I had fun sent to my paypal account of XXXX XXXX dollars.My paypal account I have done verified my I d sent my I.D two them sent bank statements sent checking account.Letters sent credit card statements and everything they've asked for and as soon as I said everything.And the funds were sent to my account.When they told me my account was good to go, they closed my no, they didn't close it.They permanently deactivated my account and took my XXXX XXXX dollars.That was sent to me to help me pay for the rest of my rent.So I would not be evicted, and they are ignoring me.They 're not responding to me and they're not answering any of my emails or my phone calls

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
They sent me a letter from the credit card company. stating they sold the debt to Portfolio Recovery XXXX. on XXXX Send me a XXXX of a bill from the same bank, year XXXX, with a XXXX XXXX, but they want to charge me XXXX. I asked them to validate a detailed payment history, and this is what I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
The debtor says I owe them when I have paid them off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
They are charging me a high interest and they don't want to take away all the late payments. They are not fair and using predatory tactics. Plus all their agents are rude.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Credit Karma, LLC
State: MA

Complaint narrative:
Applied for a credit card through Credit Karma with outstanding approval chances and if denied would get {$50.00} from Credit Karma. This was in mid 2024, I was denied and never received the money or any communication as to why I was denied. Still waiting for the promised {$50.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Exto Inc.
State: CA

Complaint narrative:
The company charges a {$8.00} monthly fee disguised as a membership fee but is not listed in their fee schedule. In addition, they do not give you the minimum of 21 days to pay your balance. Your bank account is linked to the credit card account and they automatically withdraw payment to cover your full balance usually within 3-5 business days. Lastly, you are required to pay the balance in-full, you can not have a balance roll over to the next month. This is for a credit card, not a charge card.

Company response to consumer: Closed with explanation