vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Starmark Financial LLC
State: MI

Complaint narrative:
I entered into a settlement with this company for approximately {$840.00} and the company accepted it and I made my first payment on XX/XX/XXXX in the amount of {$410.00} the second payment was not due until XXXX, XXXX XXXX. However, I paid it on XX/XX/XXXX in the amount of {$410.00}, the account should've been marked as paid. However, they still tried to charge me {$1300.00}. I contacted the company and sent them the information that the account was paid, they then informed me that they will mark it paid. However, as of today, XX/XX/XXXX it is still showing that it is an unpaid debt collection which caused an increased interest rate on my home mortgage.

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 2025-08-22 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: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: Experian Information Solutions Inc.
State: TX

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 explanation
Consumer complaint received 2025-08-22 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Finance Company, LLC
State: TX

Complaint narrative:
The original company was continental finance they sold collection too XXXX XXXX  and I settled the account and halstead is refusing too contact the 3 credit agency that acct was settled so I called continental finance and told them I settled the account and they said the XXXX XXXX is responsible for contacting the 3 credit agency 's because we sold them the account so again I tell XXXX and they say that they don't deal with credit agency 's so I'm stuck with my credit reports not being fixed.

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 2025-08-22 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: LA

Complaint narrative:
I recently review my credit report and found the following items that need 100 % verification, accurateness, and timely as per the Fair Credit Reporting Act ( FCRA ) 607 ( b ) and61.

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 2025-08-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is a formal dispute regarding the inaccurate reporting of an account that I did not open or authorize. I have no involvement with this account, and its inclusion in my credit history is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This company is violating my rights, and they have not validated my information under 12 CFR 1006.36 ( b ) ( 5 ) yet they placed a collection on my consumer report recently. I have made many attempts to fix this issue with them, and they are violating my rights. I'm entitled to {$1000.00} per violation listed. They need to either pay me or delete this account 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 2025-08-22 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX  - Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$5500.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-22 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:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned 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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: GA

Complaint narrative:
Ive been calling capital one speaking with several different departments who all stated this process would only take 30 days to resolve! I never opened fraud claim which I stayed in fraud packet sent form capital one. I have no late payments my bank account is connected and all purchases belong to me. However after looking on app to make another payment I noticed the account was removed again! How am I responsible for paying for a credit card I never wanted closed that I can no longer use? This is ridiculous and the amount of points this has taken will not allow me to get another card or that time I have for that account! The last supervisor I spoke with did not help only made it worst by confirming I was lied to and she apologized however Im suffering from this problem I didnt create! I would like my card back opened or the balance to be written off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: OH

Complaint narrative:
I have attempted multiple times to have a dismissed XXXX XXXX removed from my credit report. I have reached out to the Court in writing asking for a verification letter for the dismissal and I was met with a finical request to furnish payment. However, Since the bankruptcy was dismissed and not completed, I respectfully requested that it be removed from my credit file in accordance with the Fair Credit Reporting Act ( FCRA ). A dismissed bankruptcy does not indicate a discharge of debt and may be eligible for earlier removal than the standard 7- to 10-year timeframe. I have stated this to all 3 credit bureaus on multiple occasions as well and this blemish has yet to be removed from my credit report. It has now been 6 years or so that it has appeared on my credit report. 

It was filed XXXX XXXX and Dismissed on 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 2025-08-22 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, your 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.

These fraudulent, inaccurate, and false information consists of a personal credit card accounts and other fraudulent collection accounts since 2021. These accounts have resulted in fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the identity theft report filed that details the fraudulent accounts on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 as proof from the US 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 2025-08-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Post Lake Lending Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I signed a voluntary wage assignment with Post Lake Lending. On XX/XX/year>, I revoked that assignment in writing, and the company eventually acknowledged my revocation after several days. 

Since then, I have contacted the company multiple times by email to request a repayment plan and instructions on how to make payments. Despite my repeated efforts, they have not provided any response or information. I have also not received any phone calls or voicemails. 

The issue is that Post Lake Lending has failed to communicate or provide a repayment plan, leaving me unable to resolve my account responsibly and creating unnecessary financial uncertainty.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$730.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: GA

Complaint narrative:
Experian, Transunion, Equifax Re : Dispute of XXXX XXXX Account Report # XXXX ( Experian ) To Whom It May Concern, I am disputing the accuracy of the XXXX XXXXXXXX account ( number XXXX XXXX XXXX XXXX ] ) appearing on my Experian credit report. 

The account is reported as charged off in XX/XX/XXXX. However, the payment history also shows it was reported as 120 days late in XXXX XXXX, 150 days late in XX/XX/XXXX, and then charged off in XXXX and XX/XX/XXXX. 

This reporting is inaccurate and misleading because once an account is charged off, that status represents the final state of the account. Continuing to report past-due statuses in the same timeframe as the charge-off constitutes double derogatory reporting. 

This violates : - * * 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : * * Furnishers may not report information they know or should know is inaccurate.

- * * 15 U.S.C. 1681s-2 ( a ) ( 2 ) : * * Duty to promptly update and correct information.

- * * 15 U.S.C. 1681e ( b ) : * * Credit reporting agencies must assure maximum possible accuracy and avoid misleading reporting. 

I request that Experian investigate this account, remove the inaccurate late payment notations, and/or delete the tradeline entirely if it can not be verified accurately. 

Please provide me with written confirmation of the results of your reinvestigation. 

Sincerely, XXXX XXXX XXXX : XXXX XXXX : [ XX/XX/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 2025-08-22 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:
Experian, Transunion, Equifax Re : Dispute of XXXX XXXX Account Report # XXXX ( Experian ) To Whom It May Concern, I am disputing the accuracy of the XXXX XXXXXXXX account ( number XXXX XXXX XXXX XXXX ] ) appearing on my Experian credit report. 

The account is reported as charged off in XX/XX/XXXX. However, the payment history also shows it was reported as 120 days late in XXXX XXXX, 150 days late in XX/XX/XXXX, and then charged off in XXXX and XX/XX/XXXX. 

This reporting is inaccurate and misleading because once an account is charged off, that status represents the final state of the account. Continuing to report past-due statuses in the same timeframe as the charge-off constitutes double derogatory reporting. 

This violates : - * * 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : * * Furnishers may not report information they know or should know is inaccurate.

- * * 15 U.S.C. 1681s-2 ( a ) ( 2 ) : * * Duty to promptly update and correct information.

- * * 15 U.S.C. 1681e ( b ) : * * Credit reporting agencies must assure maximum possible accuracy and avoid misleading reporting. 

I request that Experian investigate this account, remove the inaccurate late payment notations, and/or delete the tradeline entirely if it can not be verified accurately. 

Please provide me with written confirmation of the results of your reinvestigation. 

Sincerely, XXXX XXXX XXXX : XXXX XXXX : [ XX/XX/XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Citibank has decreased my credit line twice for no reason my payment is sent on time and my card has been paid off in full one time. both times they stated in was due to credit report, but I have absolutely no late payments on any of my 53 accounts. The reason was because of utilization at 60 % well, no XXXX when credit card companies reduce credit line to 1 {$10.00} about what is owed it shoots the utilization up through the roof which is what they have done. The have caused harm to my ability to obtain credit for no reason. In addition they used XXXX  a report that has accounts that have not been updated for months!

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