vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to formally request a refund of the {$10.00} late fee that was recently applied to my account. The account in question has been closed since XX/XX/XXXX, and I was never notified of any remaining balance until XX/XX/XXXX, when I received a past due noticealong with the additional {$10.00} late fee. 

Had I been properly notified earlier, I would have addressed the balance immediately. It is concerning that no communication was made between the account closure and the date of the late notice. When I spoke to the customer service representative, she said she was unable to reverse the charge and sent me to a supervisor when I spoke to that supervisor he said he was unable to do so because the account is closed. Then I asked for his manager. He said there was no one above him except the CEO and he doeant accept conaumer complaints. When I advise the manager, I would then call corporate. He said they won't take my call, so I hung up on him. This is horrible customer service. You can accept a charge but not a refund which I tried to apply through the purchase when it was returned. And then you can't refund the fee that you applied. That is the exact amount of the charge because the account is closed.That doesn't make sense Additionally, I would like to express concern over how my {$100.00} in rewards was handled. Instead of being applied in a timely manner to cover the pending charge, the rewards were used in a way that resulted in both an interest charge and a late feeleaving me with a remaining balance that should not have existed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monarch Recovery Holdings, Inc.
State: FL

Complaint narrative:
XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Georgia, XXXX Dear XXXXXXXX XXXX XXXXXXXX, This letter is being sent to you in response to a recent charge that was made on my credit report that I do not recognize. 
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX XXXX XXXX XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Sincerely, XXXX XXXX Page XXXX CEASE AND DESIST I would also like to request, in writing, that no further telephone contact be made by your offices to my home or to my place of employment. If your offices continue to attempt telephone communication with me it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: Bridge IT, Inc.
State: CA

Complaint narrative:
Brigit has reported an inaccurate XXXX late payment for my account in XX/XX/year> to both XXXX  and XXXX. 

This late payment is the direct result of Brigits own system error. I have three bank accounts and one debit card on file with Brigit. Instead of charging my active primary payment method, Brigits system attempted to process the payment from an inactive account, which triggered a failed payment and subsequently a late payment report.

I dispute the accuracy of this reporting because : 1. My valid accounts and card on file had sufficient funds at the time of the scheduled payment.

2. Brigit did not notify me in time that the payment was being attempted from the wrong account.

3. Brigit has not provided documented proof that the reported delinquency is accurate or that it was not caused by their internal processing error.

I submitted disputes directly to Brigit under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and requested documentation, but their response has been dismissive and has not addressed my specific request for removal of the inaccurate late payment.

This incorrect reporting has caused a drop in my credit scores with both XXXX  and XXXX, negatively impacting my ability to obtain personal and business funding.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
All three major credit reporting agencies reduced my credit score by approximately XXXX points about two months ago. The information that was used had already been taken into account by the three credit reporting agencies because it occurred in XXXX. The account with XXXX had been resolved in XX/XX/year>. I applied for an XXXX credit card issued through XXXX XXXX about 45 days ago. I was issued an XXXX XXXX with incredibly low limit. 

Over the past several years, I have taken out personals with amounts up to {$60000.00}. Since my XXXX XXXX being lowered unfairly, I have obtained an XXXX XXXX card with a {$30000.00} limit. 

A hard inquiry of my credit was done. All three agencies used information from XX/XX/year> to reduce my credit score by approximately XXXX points. This information from XXXX  had already been taken into account when computing my score of around XXXX. 

I want my score returned to XXXX by all three agencies. 

Sincerely XXXX XXXX XXXX XXXX XXXX ( Retired XXXX XXXX XXXX XXXXXXXX If you need any additional information, please contact me.

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 2025-08-11 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 filing a serious complaint regarding false and damaging late payment reports on my student loans by TransUnion. 

Background : My student loans are serviced by XXXX. I have direct written correspondence from XXXX ( see attached ) confirming that all of my student loans were in forbearance during XXXX. This means it is impossible for any of these loans to be reported late during that time period. 

Despite this, TransUnion is reporting 120+ days late for XX/XX/XXXX on all my student loan accounts, starting with account number XXXX. This is factually incorrect and constitutes a serious violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

My actions to resolve : I have repeatedly contacted TransUnion to have these erroneous late payments deleted. 

Most recently, on XX/XX/XXXX, I submitted a formal dispute directly on their website. 

On XX/XX/XXXX, TransUnion responded that the results of their investigation showed no changes. 

A three-day turnaround is not a reasonable, thorough, or good-faith investigation as required by lawespecially when I provided clear documentation from XXXX proving the inaccuracy . 

Harm : These false late payment entries are severely damaging my credit rating and preventing me from accessing fair credit opportunities. 

My demand : I demand that the CFPB take immediate action to : Require TransUnion to completely remove all late payment notations for XX/XX/XXXX on my student loan accounts, starting with account number XXXX, as well as all other affected accounts. 

Ensure that TransUnion conducts a proper and lawful reinvestigation under the FCRA. 

Hold TransUnion accountable for failing to correct clearly proven inaccuracies. 

I have included the correspondence from XXXX, which unambiguously confirms that my loans were in forbearance in XXXX and therefore could not possibly be late. There is no legitimate reason for these false entries to remain on my credit report. 

I expect this matter to 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 non-monetary relief
Consumer complaint received 2025-08-11 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:
I have recently reviewed my credit report. I was shocked to find the information being reported is incomplete and unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Inaccurate Reporting Paid in Full Account Dear CFPB I am writing to formally dispute inaccurate information appearing on my credit report from your bureau dated XX/XX/year>. 

The account listed below is reporting incorrect information : Creditor Name : SYNCB/HOME SYNCB/NTWK Account XXXX Current Status Showing : Past Due late payment Correct Status : Paid in full, closed by creditor/consumer This account was fully satisfied on XXXX and closed with a {$0.00} balance. According to my records, the account should not reflect any negative payment history after the date it was paid in full. Attached are copies of my payment confirmation and/or statement from the creditor showing the {$0.00} balance. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and remove or correct any information that is inaccurate or can not be verified. Please update my credit report to accurately reflect this account as Paid in Full and remove any negative notations associated with it. 

I request written confirmation once the correction has been made and a copy of my updated credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
Under CFPB scrutiny, Citibank has applied a {$320.00} credit to my account. 

This does not resolve the matter. 

For starters, the amount fails to reimburse the balance transfer fee Citibank charged under terms they later reneged on, nor does it address other losses caused by their breach of contract and reclassification of my payment instrument. This appears to be a damage control measure, and only paid under duress.

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 monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of the Hudson Valley, Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXXXXXX XXXX XXXX XXXXXXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: MD

Complaint narrative:
The continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: FL

Complaint narrative:
On XX/XX/scrub> 2025, I was denied an XXXX XXXX from XXXX XXXX. The denial was based on a credit report provided by TransUnion, which listed my credit score as XXXX. The reasons for denial included " Serious delinquency, '' " Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high, '' " Length of time accounts have been established, '' and " Time since delinquency is too recent or unknown ''. 





The information on my credit report from all three bureaus is inaccurate, incomplete, and unverifiable. Starting on or about XX/XX/scrub> 2025, I have been sending disputes to TransUnion, Experian, and Equifax to correct these errors. Despite my repeated attempts, the bureaus have failed to properly investigate and correct the inaccurate information, in violation of the Fair Credit Reporting Act ( FCRA ). 

The continued presence of these errors on my credit reports is directly impacting my ability to obtain credit and is the reason for my recent denial. I have been providing evidence of the discrepancies, yet my disputes have been dismissed. I am now afraid to apply for new credit because each denial negatively impacts my credit score.

I am requesting that the CFPB compel TransUnion, Experian, and Equifax to conduct a full and proper investigation of all the inaccuracies I have brought to their attention and correct my credit file immediately. The credit bureaus are required by law to report accurate information, and their failure to do so is causing me financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: FL

Complaint narrative:
I submitted a formal dispute to the credit bureau, along with all documentation required under federal lawincluding a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Bseeking the prompt removal of fraudulent information from my credit report. Despite full compliance with these statutory requirements, the bureau failed to block the disputed information within the four-business-day period mandated by law. I respectfully request that the CFPB investigate this clear violation of the Fair Credit Reporting Act and take appropriate enforcement action to ensure the permanent deletion of the fraudulent data. Enclosed are copies of my dispute letter and all supporting documentation for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: CreditNinja Lending, LLC
State: CA

Complaint narrative:
Issue Summary Date of First Attempt : On XX/XX/year>, I attempted to log into my account to make a lump-sum payment and view my outstanding balance. However, the account failed to load, preventing me from accessing any information or completing the payment. Also waiting on the chat for help which no one came on the chat line for assistance. 

Subsequent Attempt : On XX/XX/year>, I contacted your support team via the online chat feature. The chat representative requested personal detailssuch as my Social Security number, email, and full namebut was ultimately unable to resolve my access issue. I was informed that there is a " discrepancy '' on my account and advised that I must now contact your team by phone. 

Impact of the Issue Unable to log in, I am unable to view my current balance or make payments, which could result in additional interest charges. 

Repeated unsuccessful attempts have resulted in significant frustration and concern.

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 2025-08-11 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: NJ

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: AL

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach, which has resulted in fraudulent accounts being opened in my name without my authorization.

Pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), I am requesting that all accounts identified as fraudulent and related to this breach be blocked and deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: GA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief