vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 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: FL

Complaint narrative:
I am submitting this complaint to dispute inaccurate credit information that is being reported without proper verification. These errors are damaging my credit profile and violate my rights under the Fair Credit Reporting Act ( FCRA ). 

ACCOUNTS XXXX XXXXXXXX XXXX Open Date : XX/XX/XXXX | Balance : {$590.00} Issue : Inaccurate Late Payment I dispute the accuracy of the reported late payment. This information has not been properly verified and is misleading. 
Law Violated : FCRA 1681e ( b ), 1681s-2 ( b ) Request : Correction or update if unverifiable. 

XXXX XXXX XXXX Open Date : XX/XX/XXXX | Balance : {$600.00} Issue : Inaccurate Late Payment The late payment reporting on this account is disputed and lacks proper documentation. 
Law Violated : FCRA 1681s-2 ( a ) ( 1 ), 1681s-2 ( b ) ( 1 ) ( C ) Request : Immediate correction. 

I request CFPB assistance to ensure compliance with federal law. Any information that can not be fully verified must be corrected immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Another Synchrony Account online application has been created/ requested without my knowledge ( fraud/identify theft ). This application was for a XXXX XXXX account. I received an email in reference to this application. The Reference Number is XXXX for the XXXX  XXXX  XXXX XXXX. I received the email on XX/XX/year>.

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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Oquirrh Mountain Law Group, P.C.
State: KS

Complaint narrative:
This account was closed XXXX. I was going through a divorce from XXXX ( divorce filed XXXX ), I was a going through health issue as a new mom life challenges in the midst of COVID 19. The collection was added and the vehicle was sold for much more money than my debt and they made mistake at first reporting enough that they had to pay me $ XXXX as mistake charge credit in XXXX. I disputed before and got denied and recently within a month they updated the report from satisfaction closed account to in repossession. I need this to be more investigated as this affect my financial future plans. Im not able to afford the damages theyre doing to my credit with those updates. Please help and stop this wrongful reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: NY

Complaint narrative:
This situation has completely turned my life upside down. I discovered someone used my information to open accounts and damage my credit, and its been an emotional and financial nightmare. Every time I try to explain to the credit bureaus or the companies involved, Im met with silence or excuses. Im not just a number Im a real person trying to recover from something I didnt cause. Please help me get these fraudulent items removed so I can rebuild my life and protect my future.

I'm writing because my identity has been stolen, and it has caused me more stress than I could have ever imagined. Ive worked hard to build my credit and protect my name, but now Im being held responsible for accounts and debts that arent mine. Ive done everything I can to prove my innocence, but I feel like Im being ignored by the companies reporting this false information. I just want my name cleared and my peace of mind back. No one should have to fight this hard to be seen as themselves again.

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 2025-12-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services
State: TX

Complaint narrative:
I am disputing the accounting and handling of a Texas title loan. Despite paying over {$24000.00} on the loan through consistent monthly payments of {$500.00}, the principal balance continued to increase, and the account reflects {$0.00} interest applied. The vehicle securing the loan is worth approximately {$1500.00}, meaning payments have far exceeded the value of the collateral. 

I submitted a written dispute to the lender on XX/XX/year>, requesting a written accounting explanation. The lender acknowledged receipt and forwarded the request internally, but the local branch refused to respond via email and instead attempted to handle the matter by phone. 

On XX/XX/year>, I sent a follow-up email requesting a written response by XX/XX/year>. No written response or accounting was provided by that deadline. The lender instead continued phone contact, including contacting my spouse, who is also on the loan. 

As of XX/XX/year>, the lender has failed to provide any written explanation or accounting addressing the dispute. I am requesting CFPB review of the lenders accounting practices and communication handling.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: TX

Complaint narrative:
Can you reassess this entry? It was written late and XXXX be off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: TX

Complaint narrative:
Could you proofread this entry? It may be erroneous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: NV

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

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 reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency 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 reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: FL

Complaint narrative:
I am submitting this complaint to dispute inaccurate credit information that is being reported without proper verification. These errors are damaging my credit profile and violate my rights under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX These addresses do not belong to me and I have no knowledge of them. 
Law Violated : FCRA 1681e ( b ), 1681i ( a ) ( 5 ) Request : Immediate deletion of both addresses. 

ACCOUNTS XXXX XXXXXXXX XXXX Open Date : XX/XX/XXXX | Balance : {$590.00} Issue : Inaccurate Late Payment I dispute the accuracy of the reported late payment. This information has not been properly verified and is misleading. 
Law Violated : FCRA 1681e ( b ), 1681s-2 ( b ) Request : Correction or update if unverifiable. 

XXXX XXXX XXXX Open Date : XX/XX/XXXX | Balance : {$600.00} Issue : Inaccurate Late Payment The late payment reporting on this account is disputed and lacks proper documentation. 
Law Violated : FCRA 1681s-2 ( a ) ( 1 ), 1681s-2 ( b ) ( 1 ) ( C ) Request : Immediate correction. 

I request CFPB assistance to ensure compliance with federal law. Any information that can not be fully verified must be corrected or deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: FL

Complaint narrative:
I am disputing a charge-off being reported by XXXX Bank in the amount of {$20000.00}, allegedly opened in XX/XX/year>. I am completely unaware of this account, these charges, or this balance. 
I have sent two dispute letters via certified mail requesting validation and proof that this account belongs to me, but I have not received any documentation or explanation. This account remains unverifiable and inaccurate. 
Under the Fair Credit Reporting Act ( FCRA ) Section 609, I have the right to request all information related to this account, and under Section 623, furnishers must ensure accuracy and respond with proper validation. XXXX Bank has failed to comply with these requirements. 
This account is hurting my credit health and financial integrity, and I am asking the CFPB to assist me in having this account removed from my credit report immediately. I am attaching copies of my previous dispute letters for your review.

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 2025-12-24 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: RockLoans Holdings LLC
State: TX

Complaint narrative:
I entered into a negotiated biweekly payment agreement with Rocket Loans in XX/XX/year> for {$250.00} payments. Rocket Loans accepted and processed multiple payments under this agreement, including payments made in XXXX and XX/XX/year>. 

Without notice and without any default on my part, Rocket Loans unilaterally stopped withdrawing payments. I did not request cancellation of the payment plan and did not instruct Rocket Loans to stop payments. 

After ceasing withdrawals, Rocket Loans charged off the account and continues to report it as an active charge-off with a balance that increased after my last accepted payment. Rocket Loans has not provided an accounting explaining the balance increase, has not justified the termination of the payment agreement, and continues to report ongoing monthly charge-off activity. 

I am disputing the accuracy and completeness of this reporting and have sent Rocket Loans a direct furnisher dispute under the Fair Credit Reporting Act requesting full documentation, payment history, charge-off calculations, and justification for continued reporting. 

I am requesting that Rocket Loans provide a full accounting, correct or delete any inaccurate credit reporting, and cease reporting monthly charge-offs that can not be substantiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: CA

Complaint narrative:
These accounts are not mine and must be promptly taken off within 15 days under USC 1681g.

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 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This dispute concerns my Capital One XXXX XXXX account, which was closed following a document verification failure. Despite submitting more documentation than requested ( 5 instead of 2 ), Capital One flagged it as " unsatisfactory. '' An agent shifted the blame to me for providing too much information, yet when I resubmitted, my account was permanently restricted. I called on XX/XX/XXXX at XXXX XXXX CST and spoke with XXXX ( Agent ID : XXXX ), who stated no further review is possible. He also refused to speak when I told him this call is recorded. The banks refusal to specify which document was the issue created a " circular logic '' trap that prevented me from correcting a potential error and wasted significant time I spent waiting for the XXXX XXXX XXXX to return. 

The core issue is the seizure of earned assets and prepaid services. By closing the account without a path to remediation, Capital One is withholding my {$300.00} travel credit and my rewards balance while keeping my {$390.00} fee. This constitutes a breach of contract and " unjust enrichment. '' I am seeking the immediate release of my miles and the {$300.00} credit, a full refund of the {$390.00} fee. I am not asking for the compensation for this 200,000-mile sign-up bonus I was on track to earn, but please understand it does hurt my time and my finance. Capital Ones refusal to clarify a simple document error has unfairly deprived me of these benefits and wasted over 10 hours of my professional time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP
State: PA

Complaint narrative:
I am submitting this complaint regarding KeyBanks business checking account process, which involved repeated appointment failures and contradictory information that directly conflicted with the banks own written materials. 

I received a KeyBank direct mail promoting its business checking account. Based on that offer, I scheduled an appointment through KeyBanks website to discuss opening a business checking account and received a written email confirmation. 

Relying on that confirmation, I traveled approximately 25 minutes each way to the branch. Upon arrival, I was told that the business account XXXX was not available because he does not work on weekends ; it was Saturday. This limitation was not disclosed in advance in the confirmation email or on the website. As a prospective customer, there was no way to know this without prior notice. 

The following week, I spoke directly with the business account XXXX, who understood that I am a single-member business with no employees and stated that I could open a business checking account using my Social Security Number. He sent a follow-up email encouraging me to schedule an appointment. 

I scheduled another appointment using his calendar link and received an official KeyBank system confirmation stating that acceptable documentation included Social Security Number OR Tax Identification Number. 

However, just before the scheduled appointment, the same business account XXXX called and stated that I could not proceed using my Social Security Number and would instead be required to use an EIN. Although I already have an EIN, I was told that my EIN showed a DDS designation, that I am not a dentist, and that KeyBank would not proceed unless I first returned to the IRS to have that designation removed. 

When I pointed out that I had been told the day before that a Social Security Number was acceptable, I was told this was a miscommunication. 

This change in position directly contradicts KeyBanks own written materials, including : The official appointment confirmation listing Social Security Number OR Tax Identification Number KeyBanks Business Checking Terms and Conditions defining a qualifying business entity as SSN/EIN The KeyBank direct mail promotion stating that a Social Security Number may be used As a result, my appointment was canceled again just as I was preparing to come to the branch. In both instances, KeyBank accepted appointments and then failed to honor them due to internal breakdowns, shifting the burden entirely onto the customer. 

I am requesting that CFPB review this matter and require KeyBank to explain how its published terms are applied in practice and how prospective customers are expected to rely on appointment confirmations that are later invalidated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Universal Payment Corporation
State: GA

Complaint narrative:
I am disputing a collection account reported by Universal Payment Corp with an account number ending in XXXX, in the amount of {$6400.00}. This collection was already deleted from XXXX XXXX XXXX, and it needs to be deleted from XXXX as well. 
This account is unverified, incomplete, and inaccurate. I have sent multiple dispute letters via certified mail requesting validation, but I have not received any proof that this account belongs to me. 
Under the Fair Credit Reporting Act ( FCRA ) Section 609, I have the right to request all information related to this account, and under Section 623, furnishers must ensure accuracy and respond with proper validation. Universal Payment Corp has failed to comply with these requirements, which is a violation of my rights as a consumer. 
I am attaching copies of my previous dispute letters and my current credit report showing that this account is no longer on XXXX XXXX XXXX which proves this reporting is inconsistent and inaccurate. 
I am asking the CFPB to assist me in having this account removed from my credit report immediately.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-24 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: TX

Complaint narrative:
Please evaluate the materials provided ; the inquiries were received without warning and may be unapproved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: TX

Complaint narrative:
Can you verify this entry? Its late and might not be accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: TX

Complaint narrative:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This situation has completely turned my life upside down. I discovered someone used my information to open accounts and damage my credit, and its been an emotional and financial nightmare. Every time I try to explain to the credit bureaus or the companies involved, Im met with silence or excuses. Im not just a number Im a real person trying to recover from something I didnt cause. Please help me get these fraudulent items removed so I can rebuild my life and protect my future.

I'm writing because my identity has been stolen, and it has caused me more stress than I could have ever imagined. Ive worked hard to build my credit and protect my name, but now Im being held responsible for accounts and debts that arent mine. Ive done everything I can to prove my innocence, but I feel like Im being ignored by the companies reporting this false information. I just want my name cleared and my peace of mind back. No one should have to fight this hard to be seen as themselves again.

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