vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 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: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ 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 2025-08-04 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: NY

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX Date : XX/XX/year>25 XXXX  Date XXXX XXXX/25

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 2025-08-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Prosper Marketplace, Inc.
State: NJ

Complaint narrative:
Complaint to the Consumer Financial Protection Bureau ( XXXX  ) Against : Prosper Credit Card Summary of the Issue : This complaint is filed against Prosper Credit Card for failure to properly investigate and resolve unauthorized charges made to my credit card account. A fraudulent transaction occurred in which someone used my credit card information to purchase digital services without my knowledge or consent. 

I immediately disputed the charges, but Prosper falsely claimed the merchant provided proof that I authorized the transaction and that the services were delivered to me. I requested evidence of this claim, and upon investigation, the merchant admitted that the charge was for digital items but could not provide any further identifying information confirming my authorization or receipt. Despite this lack of evidence, Prosper continues to claim the transaction is valid, which is completely false and a misrepresentation of the facts. 

Violations Cited : Prosper Credit Cards actions are in direct violation of : Fair Credit Billing Act ( XXXX ) failure to conduct a reasonable investigation of a billing dispute. 
Fair Credit Reporting Act ( XXXX  ) inaccurate reporting of disputed charges and failure to mark the account as in dispute. 
Consumer Financial Protection Act deceptive and unfair practices by asserting false claims regarding my authorization of the disputed transaction. 

Supporting Evidence : I have email records and dispute communication showing : My initial report of the unauthorized charge. 
Confirmation from the merchant that they can not prove I made or authorized the transaction. 
Prospers denial and misrepresentation of the facts. 

Requested Resolution : XXXX. Prosper Credit Card must reopen this dispute immediately and conduct a legitimate, documented investigation. 
XXXX. The unauthorized charges must be reversed and permanently removed from my account. 
XXXX. Prosper must provide a written explanation and all documentation they relied on when falsely asserting that I authorized the transaction. 
XXXX. Prosper must report the correction to all credit bureaus where the account was negatively affected. 
XXXX. Prosper must be held accountable for misrepresenting the merchants statements and failing to fulfill their legal obligations.

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 2025-08-04 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: VA

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that EQ immediately block and permanently remove multiple fraudulent accountsXXXX XXXX  XXXX  ( Acct # : XXXXXXXX XXXX XXXX XXXX XXXX reported on XX/XX/XXXX for {$2700.00} ) and XXXX  XXXX ( Acct # : XXXXXXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX for {$200.00} ) that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report # XXXX along with supporting documentation, including proof that my personal data was compromised in the Equifax data breach. 

I am filing this FTC Identity Theft Affidavit to report two fraudulent accounts appearing on my consumer FICO Equifax credit report which I do not recognize and which are the result of identity theft and fraud. These fraudulent accounts consist of a collection account with XXXX XXXX XXXX opened on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX  for {$2700.00}, and a credit card account with XXXX  XXXX opened on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX for {$200.00}. These accounts have caused multiple fraudulent hard inquiries and collections to appear on my credit file. I demand that the aforementioned fraudulent items be permanently removed from all of my consumer credit reports and that any collection activity associated with these accounts cease immediately, in accordance with my rights under the FCRA and FDCPA.

It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: GA

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 2025-08-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: TX

Complaint narrative:
Consumer Complaint Letter To Whom It May Concern at the Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding an ongoing issue with XXXX XXXX and its collection agency, Monterey Collection Company. Several years ago, during a vacation, I was subjected to an intense high-pressure sales presentation by representatives of XXXX XXXX. I was not given clear, accurate information about the nature of the agreement I was entering into. I believed I was purchasing a timeshare, but it was later made clear that the product was a holiday vacation rental arrangementnot a deeded timeshareand that I had little to no real ownership or recourse. 

At the time, I felt rushed and overwhelmed, and now I understand that I was misled into signing a contract under false pretenses. Since then, the situation has only worsened. The original balance owed was approximately {$19000.00}, but due to years of unpaid interest, the current balance has ballooned to over {$55000.00}. Despite multiple efforts on my part to resolve the issue, including an offer to pay {$5000.00} to settle and relinquish any future obligations, XXXX XXXX  has refused to negotiate or accept a resolution. 

I have also made multiple attempts to return or forfeit the holiday rental, but they have refused to take it back. Instead, they continue to accrue excessive interest on the account, and this account has severely damaged my credit score over several years. 

I am requesting the CFPB to investigate the practices of XXXX XXXX  and Monterey Collection Company, particularly their misleading sales tactics, refusal to accept reasonable settlement terms, and the relentless accrual of interest without meaningful resolution options. These actions feel exploitative and unethical, and they have had a long-term impact on my financial wellbeing. 

Thank you for your time and attention to this matter. 


Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/year>, I contacted the company after noticing that I suddenly had no available line of credit, despite consistently making on-time payments. During that call, a representative informed me that the account had been closed permanently and sent to collections, and that it could never be reopened. 

This came as a surprise, as I had not missed any payments and had not been informed beforehand of any closure. I only called to understand why my credit line was gone. 

Now, as of XX/XX/year>, I am being told by other agents that the account is not actually closed but is instead " restricted '' and that it continues to accrue interest and late fees. This directly contradicts the original statement I was given in XXXX and raises serious concerns about transparency and legal compliance. 

If the account was truly closed and sent to collections, there should be no new charges or interest being added. The conflicting information, combined with the fact that I was paying responsibly, makes this feel both unfair and potentially unlawful. 

I am requesting a full investigation into : Why I was told the account was permanently closed and sent to collections Why it is still being treated as active or " restricted '' Why it continues to accrue charges Whether these actions violate consumer protection laws I am asking for these charges to be reversed and for a written explanation of the accounts true status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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:
I need your help reviewing accounts from these companies that have incorrectly flagged late payments on my credit report. After checking the report, I found several entries marked late that are not validthere should be no late payment remarks. Please remove these inaccurate entries and update the accounts to the agreed positive standing.

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 2025-08-04 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I need your help reviewing accounts from these companies that have incorrectly flagged late payments on my credit report. After checking the report, I found several entries marked late that are not validthere should be no late payment remarks. Please remove these inaccurate entries and update the accounts to the agreed positive standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: Maximus Federal Services, Inc.
State: MA

Complaint narrative:
I am disputing a reported XXXX late payment from XXXX  that is damaging my credit score. The payment in question was due on XX/XX/year>, and I brought the account current in early XXXX. Despite this, they reported me as XXXX  days late and even recently flagged the account as Not more than XXXX payments past due ( XXXX ), which is confusing and misleading. 

Additionally, I only received XXXX email warning me that I was past due. There was no consistent or adequate communication beforehand to alert me that my payment status was escalating to XXXX  days late. ( Note : I never was told UNTIL I was too late as seen in the attachment photos. As well as this, if I was told they never received a payment from me, it was followed by a thank you for your payment email-very confusing. ) This lack of notice is unacceptable and deeply unfair given that Ive had XXXX  years of perfect payment history before this instance. 

Ive also submitted goodwill requests and formal disputes through XXXX  and XXXX  directly, all of which have been denied with no clear explanation or investigation. My account was not intentionally neglected I paid as soon as I realized and have continued to maintain responsible financial behavior. 

This error has dropped my score over XXXX points, threatening major financial goals, and I believe it deserves deeper review and a fair correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: FL

Complaint narrative:
I am writing to address a late payment recently reported on my account. While there may have been a brief delay due to unforeseen circumstances, I have otherwise maintained a consistent payment record.

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 2025-08-04 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: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-08-04 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: IL

Complaint narrative:
ESCALATING CASE # XXXX COMPANY IS IN BLATANT VIOLATION OF MY RIGHTS UNDER THE FCRA - COMPANY HAS FAILED TO RESPOND IN MONTHS. THIS BEHAVIOR CONSTITUES WILLFUL NON-COMPLIANCE. 

I AM ESCALATING THIS ISSUES AS IT HAS BEEN WELL OVER THE GIVEN TIME FRAME GIVEN TO RESOLVE THIS MATTER UNDER FCRA 605B TRANSUNION IS WRONGLY AND WILLFULLY VIOLATING MY RIGHTS AND REFUSING TO COMPLY WITH FCRA 605B - IDENTITY THEFT PROCEDURE ; TransUnion willfully failed to comply with FCRA 605B after I submitted a valid FTC Identity Theft Report, a police report, and proof of identity. Despite being in possession of these documents, they refused to block and delete multiple fraudulent accounts that I identified and disputed, including a XXXX credit card and numerous phone numbers that do not belong to me. Under 15 U.S.C. 1681c 2, TransUnion was legally obligated to block this information from my credit file within XXXX business days. Instead, they verified the accounts as accurate, causing ongoing damage to my credit and reputation. This is a blatant violation of my rights under the FCRA. TransUnions continued reporting of accounts I did not open after receiving valid identity theft documentation is not just negligent, it is willful noncompliance under 15 U.S.C. 1681n and 1681o and warrants immediate enforcement. After receiving multiple View full complaint reports of identity theft with documents proving the identity theft transunion is willfully violating my consumer rights and wrongly damaging my credit reputation by continuing to wrongfully report fraudulent account reported as identity theft which they are legally required to delete and block within XXXX business days of receiving this documentation the following accounts have been opened due to identity theft and are fraudulent yet transunion is willfully violating 605B and continuing to report this identity theft to my credit report - XXXX XXXX - Balance {$6500.00} -Discover Card - Balance {$1700.00} -Discover Card- Balance {$2500.00} -CAF - Balance {$5600.00}

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 2025-08-04 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: IL

Complaint narrative:
ESCALATING CASE # XXXX COMPANY IS IN BLATANT VIOLATION OF MY RIGHTS UNDER THE FCRA - COMPANY HAS FAILED TO RESPOND IN MONTHS. THIS BEHAVIOR CONSTITUES WILLFUL NON-COMPLIANCE. 

I AM ESCALATING THIS ISSUES AS IT HAS BEEN WELL OVER THE GIVEN TIME FRAME GIVEN TO RESOLVE THIS MATTER UNDER FCRA 605B TRANSUNION IS WRONGLY AND WILLFULLY VIOLATING MY RIGHTS AND REFUSING TO COMPLY WITH FCRA 605B - IDENTITY THEFT PROCEDURE ; TransUnion willfully failed to comply with FCRA 605B after I submitted a valid FTC Identity Theft Report, a police report, and proof of identity. Despite being in possession of these documents, they refused to block and delete multiple fraudulent accounts that I identified and disputed, including a XXXX credit card and numerous phone numbers that do not belong to me. Under 15 U.S.C. 1681c 2, TransUnion was legally obligated to block this information from my credit file within XXXX business days. Instead, they verified the accounts as accurate, causing ongoing damage to my credit and reputation. This is a blatant violation of my rights under the FCRA. TransUnions continued reporting of accounts I did not open after receiving valid identity theft documentation is not just negligent, it is willful noncompliance under 15 U.S.C. 1681n and 1681o and warrants immediate enforcement. After receiving multiple View full complaint reports of identity theft with documents proving the identity theft transunion is willfully violating my consumer rights and wrongly damaging my credit reputation by continuing to wrongfully report fraudulent account reported as identity theft which they are legally required to delete and block within XXXX business days of receiving this documentation the following accounts have been opened due to identity theft and are fraudulent yet transunion is willfully violating 605B and continuing to report this identity theft to my credit report - XXXX XXXX - Balance {$6500.00} -Discover Card - Balance {$1700.00} -Discover Card- Balance {$2500.00} -CAF - Balance {$5600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
They would not take my coupons and they would not take my small payments and the would just take money out of my account without asking me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA XXXX U.S.C. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief