vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 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:
XX/XX/XXXX5 Under U.S.C. Sec XXXX XXXX, ( a, b ) XXXX, within FCRA rights and requirements the attached items must be removed immediately. These items are a grave violation to my consumer credit report under FCRA U.S.C Sec XXXX XXXX which explains if an item can not be verified XX/XX/XXXX days from receipt ( late payment, XXXX form from collection agency, printed copies of a persons signature and if this can not be validated under FCRA within XX/XX/XXXX days from receipt the items must be removed. A counter lawsuit will be issued if deemed any credit bureau is in VIOLATION of my FCRA USC Sec XXXX laws at any point. 

Sincerely, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$540.00} XX/XX/XXXX Date Opened XX/XX/XXXX Balance {$130.00} XX/XX/XXXX Date Opened XX/XX/XXXX Balance {$6500.00} XX/XX/XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX & XXXX XXXX Opened XX/XX/XXXX Balance {$140.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$520.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$620.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1000.00} * * Inquiries * * XXXX XXXX ( XXXX ) XX/XX/XXXXXX/XX/XXXX ( Finance ) XX/XX/XXXX XXXXXX/XX/XXXX( Finance ) XX/XX/XXXX XXXXXX/XX/XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto )XX/XX/XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXX/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 explanation
Consumer complaint received 2025-10-28 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 request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-10-28 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: TX

Complaint narrative:
I am writing to formally address the ongoing issue regarding the inaccurate payment history being reported on my account. You immediately reported a 60 day late on XX/XX/XXXX and charged off the account in XX/XX/XXXX. The account then reported a 60 day late on XX/XX/XXXX followed by another charge off in XX/XX/XXXX. Its ironic that the same reporting happened within the exact same months just in different years. This information is NOT accurate. These erroneous entries have adversely affected my credit history, and despite four prior disputes, the matter remains unresolved and you somehow are able to verify it as accurate. This inaccuracy constitutes a violation of my rights under fair credit reporting law. 

Furthermore, I recently had a job offer rescinded due to the presence of falsely reported information on my credit report ( this included ) resulting in significant financial repercussions. It is unacceptable that, despite my repeated attempts to rectify this situation, you have failed to conduct a thorough investigation. Your negligence in handling this account has infringed upon my rights. 

ALL THIS TROUBLE OVER AN ALLEDGED {$10.00}. 

I am no longer willing to endure the investigation phase as I have the past 4 months. I hereby demand the immediate deletion of the following account from my records : XXXX XXXX Account No : XXXX XXXX A person should not have to carry the burden of consistenly attempting to rectify false information. This creates significant stress and the time I have spent communicating back and forth ( 4 months ) is not ok. I expect prompt action on this matter and a written confirmation of the deletion. Please provide an updated credit report as well. Thank you for your immediate attention to this urgent request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I set up a XXXX account to accept membership dues to a club. The first few payments worked but then some members complained that the payments to the club were rejected. I contacted XXXX  and was told that my account was fine and the problem must be with the other accounts. 

I called again later in the day and was told that my account had been frozen due to suspicious activity and that another group would review this and get back to me in three to five days. 

I then tried to transfer funds from my XXXX account to the club checking account. The transfers appeared to work but have not yet appeared in my account. Later in the day, I tried transferring other funds to my checking account and the transfers would appear to work but almost immediately, I received an email that the transfer had failed. 

The funds that XXXX debited from my account have not been credited to my checking account and I can't transfer the remaining balance to my checking account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/XXXX I was in XXXX XXXX on vacation. My fiancee and I wanted to do a jet ski ride while there we get done with everything and comes time to pay. I had paid cash for part of the service to begin with. Go to pay with my card ( s ) and Bank of America was the only on to go threw the person charged me {$410.00} usd in there currency not fully realizing the currency conversion amount I had gotten the notification from the bank of the fraud risk no amount was given. I was then shaken down by the same people for more money. I filed a police report and nothing happened I also called the bank to freeze any payments and a original dispute was filed no out rep said no documentation was needed which was given none such as a receipt by the merchant. 60 days had pass had no outcome reach back to the bank and they said I can file a new one got the rough cost of the service online and was roughly {$150.00} and showed the money that was taken out of the bank

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 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
This is not my balance! I paid off this card in my mortgage in XXXX it should be a XXXX balance I requested statements showing a balance over XXXX times they sent blank statements legally they have 30 days to prove proof of debt. They only had blank statements. Nothing has been charged in almost 6 years. I have been told over 5 times on phone XXXX twice in chat which I have screen shots off the balance will be removed and it still has not been done. Majority of balance is from anual fees for past 6 years for a card I couldn't use bc they had the wrong balance on it and interest. If they take off the anual fees the amount they need to take off is far less. They cant charge anual fees for a card I can't use because they have not fixed balance yet despite numerous promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Uprova Credit, LLC
State: CA

Complaint narrative:
CFPB, Uprova has recently contacted me to offer a settlement on my loan account. While I appreciate their willingness to work toward a resolution, the settlement dates they proposed do not align with my current financial circumstances. I have requested alternative payment dates that would allow me to fulfill the settlement agreement responsibly, but the company has not provided reasonable flexibility or additional options. 

The issue concerns the companys rigid settlement terms and scheduling. I am not disputing the loan amount or the legitimacy of the account ; my concern is that Uprova is unwilling to accommodate a payment arrangement that works within my budget and pay schedule. I believe that as a licensed lender, they should provide fair and accessible options for repaymentespecially when a consumer expresses a good-faith effort to resolve the debt.

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 2025-10-28 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: TX

Complaint narrative:
I have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

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 2025-10-28 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: TX

Complaint narrative:
I have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Alliance One, Inc.
State: MS

Complaint narrative:
Date Event XX/XX/XXXX Bankruptcy discharge entered, In re : Case No. XXXX ( XXXX. XXXX. XXXX. ). 

XX/XX/XXXX You contacted AllianceOne and spoke with a representative ; you were told to email proof of discharge. 
XX/XX/XXXX ( same day ) You emailed a PDF of the discharge order to the address provided and left a voicemail confirming submission. 
After XX/XX/XXXX Despite notice and proof of discharge, AllianceOne intercepted funds anyway.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Advanced Recovery Group LLC
State: GA

Complaint narrative:
Complainant : XXXX XXXX XXXX Date of Incident : XX/XX/XXXX Previous Contact : XX/XX/XXXX Company : Advanced Recovery Group Representative Name : XXXX Claimed Client : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Phone Number Used : XXXX ( or number from text ) Email Address : XXXX On XX/XX/XXXX I received both a text message and an email from XXXX of Advanced Recovery Group claiming my account was in judgment status. This is a repeat of previous false claims and follows prior CFPB complaints filed regarding the same collector. The last documented contact from this collector was XX/XX/XXXX. All messages have been preserved for evidence. 



Statutory Violations Cited : 15 U.S.C. 805 ( c ) Continued communication after notice of dispute 15 U.S.C. 807 ( 2 ) ( A ) False representation of legal status ( judgment status ) Consumer Financial Protection Act 1036 ( a ) ( 1 ) ( B ) Deceptive act or practice by covered person Evidence Attached : Screenshot of text message ( showing date/time and sender ) Screenshot or printout of email ( showing date/time and sender ) Prior voicemail transcript ( XX/XX/XXXX ) optional for pattern proof

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 2025-10-28 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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my notarized Affidavit of Identity Theft as evidence supporting my identity theft claim.

As per 15 U.S.C. 1681c-2, upon submission of an identity theft report or affidavit by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. My credit report contains fraudulent ACCOUNTS that are not associated with me. All necessary documentation is included in this packet, including my notarized Affidavit of Identity Theft and supporting identification documents. Copies have also been sent to your agency via Certified Mail. 
In addition, I request the immediate removal of the following fraudulent accounts from my credit report. 
ACCOUNTS : XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED 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 2025-10-28 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: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
Hi, We are writing to you because we are situated in XXXX and we could not find a way to write in to Capital One National Association. We recently received of notification for a chargeback with reference transaction code XXXX for payment of XXXX XXXX payment XXXX The credit card is issued by Capital One National Association. 

The customer placed and order with us on XXXX XX/XX/year> with a approximately lead time 4 to 8 weeks upon ordering, request of cancellation of the particular item was XXXX XX/XX/year>, the rest of the items was delivered on XXXX XXXX XXXXXXXX XXXX XXXX XXXX/ We have a return policy in place and the restocking fee at that point of time was 30 % and all refunds will be in the form of store credit. 
XXXX XXXX XXXX The refundable amount is {$740.00} ( Purchase Price Restocking Fee Delivery fee other fees ( if any ) = Refunded Amount ( XXXX XXXX ) The credit note of the agreed amount had already issued to customer on XXXX XX/XX/year>. 

Upon the customer place the order, The customer had already agreed to our company terms and conditions before checkout. 

We find it concerning that the chargeback is being processed, as this action undermines the companys established terms, conditions, and policies, which were duly agreed to and acknowledged by the entity prior to completing the checkout and payment process. 

Best regards, XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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 implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
All three credit bureaus have not updated my correct address so on and so forth. 
Experian its self has no way of contacting and speaking with a direct agent.

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 2025-10-28 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 am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my notarized Affidavit of Identity Theft as evidence supporting my identity theft claim.

As per 15 U.S.C. 1681c-2, upon submission of an identity theft report or affidavit by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, including my notarized Affidavit of Identity Theft and supporting identification documents. Copies have also been sent to your agency via Certified Mail.

In addition, I request the immediate removal of the following fraudulent accounts from my credit report. 
ACCOUNTS : 1 ) HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: MI

Complaint narrative:
XXXX XXXX XXXX  reporting inaccurate and unverifiable charge-off I am requesting a fair and complete reinvestigation under the Fair Credit Reporting Act ( FCRA ). 

The XXXX XXXX XXXX  account ( opened XX/XX/XXXX, limit {$500.00} ) is being reported as charged-off with {$170.00} past due as of XX/XX/XXXX, and the payment history shows derogatory marks for multiple months in XXXX. 

This reporting is inaccurate for the following reasons : XXXX. The account was opened after my Chapter XXXX bankruptcy was XXXX on XX/XX/XXXX, so it could not legally be included in any prior bankruptcy. 
XXXX. XXXX has failed to verify any lawful permissible-purpose access or furnish supporting data from a verifiable source. 
XXXX. All third-party data repositories used by the credit bureaus ( XXXX, XXXX, XXXX, etc. ) are currently under active security freeze, which makes it impossible to perform lawful verification.

Under FCRA 604 ( a ) and 611 ( a ), I request that this XXXX account be permanently deleted from my credit report for failure to verify accuracy and permissible purpose. 

Please also provide written documentation of the data furnisher or database used in any verification attempt, per 611 ( a ) ( 6 ) ( B ) ( iii ).

Company response to consumer: Closed with non-monetary relief