vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: OH

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank
State: NH

Complaint narrative:
I have called 8 different times and been transferred to other people. I just want to close my account and get my security deposit back. The last person I spoke with said they have no record of me having an account with them which is completely false.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: NC

Complaint narrative:
MRS BPO LLC is reporting a collection account on my credit report for {$340.00}. I am requesting validation under the FDCPA, including the original creditor, itemized amount, and proof of ownership of the debt. They have not provided any validation. I am disputing this debt until proper documentation is provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: TN

Complaint narrative:
XXXX XXXX is reporting a second closed/charged-off account, ending in XXXX, with a balance owed and past-due amount, which is misleading and incomplete. I disputed the account with all three credit bureaus, but the information was verified without proper investigation. 

Violations : FCRA 1681s-2 ( a ) FCRA 1681s-2 ( b ) CFPB Regulation V 1022.4142 This inaccurate reporting is harming me by preventing me from obtaining credit, student loans, and a necessary vehicle loan and causing emotional distress. I request full correction or removal of the inaccurate data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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 a consumer who is actively working to repair my credit. Below are the details of the accounts in dispute. I respectfully request that these issues be investigated and resolved according to the Fair Credit Reporting Act ( FCRA ). Please find the account details separated by each bureau for your reference. 

Charged Off Accounts : 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 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 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting this complaint because several accounts on my credit report are being reported inaccurately. These errors are causing me financial harm, and I am requesting a full investigation under the FCRA.

XXXX XXXX Acct : XXXX High Balance : {$670.00} Date Opened : XX/XX/XXXXXXXX  Charge Off I have no knowledge of this account. I never opened or authorized this account and request it be removed immediately. 
XXXX. XXXX XXXX  Acct : XXXX High Balance : {$1400.00} Date Opened : XX/XX/XXXX Charge Off I do not recognize this account, and I never had any relationship with this creditor. Please delete this account for inaccurate reporting. 
XXXX. XXXX  XXXX XXXX  Acct : XXXX High Balance : {$600.00} Date Opened : XX/XX/XXXXXXXX  Late Payment The late payment reporting is false. I did not make any late payments, and the history must be corrected to reflect an accurate payment record. 
XXXX. XXXX Acct : XXXX High Balance : {$24000.00} Date Opened : XX/XX/XXXXXXXX  Charge Off This account is not mine. I am requesting deletion because I have no knowledge or contractual relationship with this company. 
XXXX. XXXX Acct : XXXX ( Multiple Entries ) High Balances : {$3500.00} ( XX/XX/XXXX ), {$2000.00} ( XX/XX/XXXXXXXX  ), {$20000.00} ( XX/XX/XXXX ), {$29000.00} ( XX/XX/XXXX ) Late Payments All reported late payments are incorrect. I have never been late, and these entries are harming my credit. I request correction of the payment history for each entry. 
XXXX. XXXX XXXX XXXX Accts : XXXX & XXXX High Balances : {$530.00} ( XX/XX/XXXX ) & {$290.00} ( XX/XX/XXXX ) Collections I have no knowledge of these accounts and have never received validation. These must be deleted. 
XXXX. XXXXXXXX XXXX XXXXXXXX Acct : XXXX High Balance : {$84.00} Date Opened : XX/XX/XXXX Collection This account is not mine, and I never authorized this debt. I request deletion. 
I am requesting the CFPB to require each furnisher to provide full validation and correct or delete all inaccurate information. These errors are negatively impacting my creditworthiness and must be resolved promptly. 
Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XX/XX/year>, I experienced a traumatic incident in XXXX where I was XXXX  and XXXX XXXX After being released, I was transported to the VA XXXX in XXXX XXXXXXXX, where I was evaluated and deemed gravely XXXX. I am a XXXX XXXX veteran and a XXXX XXXX 

My vehicle was stolen during the incident, and I remain responsible for the auto loan with Capital One. I contacted Capital Ones auto loan department by phone in early XX/XX/year>XXXX  requesting assistance, including a hardship accommodation, interest-rate relief, or loan modification due to the circumstances surrounding the theft and my medical condition. 

Despite explaining the situation and my status as a XXXX veteran, I was told that no assistance, hardship relief, or modification options were available. I was also informed that GAP insurance would not apply because the theft occurred outside the United States. 

I am filing this complaint because I believe Capital One failed to offer any reasonable hardship options despite clear documentation of my XXXX, the circumstances of the theft, and my inability to recover the vehicle. I am requesting that Capital One reconsider a loan modification, reduction, or other form of relief so I am not held financially responsible for a vehicle that was stolen during a life-threatening event outside my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized hard inquiries that I do not recognize and that I did not authorize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my report. This issue is causing undue stress and is negatively affecting my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized hard inquiries that I do not recognize and that I did not authorize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my report. This issue is causing undue stress and is negatively affecting my financial 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 non-monetary relief
Consumer complaint received 2025-12-03 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:
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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I am sending this letter in response to the collection account you are reporting. This letter is not a refusal to pay, but a notice sent under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, requesting full validation and verification of the alleged debt. 

Under federal law, I request that you provide the following : 1. Proof that I owe the debt, including a complete account history with all charges and payments. 
2. A copy of the original contract, agreement, or service authorization with XXXX XXXX bearing my signature. 
3. Proof that you have the legal right to collect this debt, including documentation showing assignment or ownership of the debt.

4. The date of last payment and date of account charge-off.

5. A detailed explanation of how the amount of {$310.00} was calculated.

6. Name and address of the current creditor.

7. Proof that this account was handled and reported accurately, especially since the balance is now showing as paid off. 

Until you provide complete validation : You must cease all collection efforts, including phone calls and letters. 
You must not report this account to any credit reporting agency, or if you already have, you must mark it as disputed. 

If you can not provide proper validation, I request that the account be deleted from my credit report and that you stop all collection activity. 

Please send all requested documentation to the address above. 

Thank 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 2025-12-03 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: MS

Complaint narrative:
I am a consumer who is actively working to repair my credit. Below are the details of the accounts I am disputing. I respectfully request that these issues be investigated and resolved according to the Fair Credit Reporting Act ( FCRA ). Please find the account details separated by each bureau for your reference. 

Charged-Off Accounts 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 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: TX

Complaint narrative:
CFPB COMPLAINT # XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Charge-Off Account # XXXX {$800.00} Balance Company XXXX XXXX XXXX / XXXX Account XXXX XXXX XXXX XXXXXXXX Balance : {$800.00} Status : Charge Off Key Issues Large balance relative to credit limit ( {$800.00} vs {$550.00} ) No itemized breakdown Insufficient documentation for the charge-off No complete payment history provided Documentation Demanded Original signed agreement Full payment history Itemization of the {$800.00} balance Valid charge-off calculation Proof of accuracy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: TX

Complaint narrative:
CFPB COMPLAINT # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge-Off Account # XXXX {$500.00} Balance Company XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address : XXXX XXXX XXXX, XXXX, MN XXXX Account # : XXXX XXXX Balance : {$500.00} Status : Charge Off Complaint Summary XXXX XXXX is reporting a charge-off without providing complete and accurate documentation. The account shows inconsistent delinquency tracking, outdated payment history, and an unverified charge-off amount of {$500.00}. 

XXXX XXXX  has not provided : Signed contract Full ledger All monthly statements Accurate delinquency data This constitutes inaccurate, incomplete reporting. 



FCRA Violations 602 ( A ) Maximum accuracy 623 ( a ) ( 1 ) ( A ) Prohibits inaccurate reporting 623 ( a ) ( 2 ) Duty to correct and update 611 ( a ) Reasonable investigation required Documentation Demanded Original signed agreement Full payment history Itemization of the {$500.00} balance Valid charge-off calculation Proof of accuracy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: CL Holdings LLC
State: MI

Complaint narrative:
On XX/XX/year>, I received an alert that a new collection account has been added to my consumer credit report by Jefferson Capital Systems. I have never had an account with this company, nor did this company ever send me any notice of this alleged debt, Pursuant to 15 U.S.C. 1692g Validation of debts. This entry has been made without permissible purpose and without prior notification of the alleged debt. According to the Fair Credit Reporting Act ( FCRA ), debt collectors are required to have permissible purpose to report information to credit reporting agencies. In this case, I have not been notified of the alleged debt, nor have I received any communication or validation of the debt from Jefferson Capital Systems or any other party. As such, this entry is not valid nor in compliance with the FCRA. Please investigate this matter and have Jefferson Capital Systems remove the inaccurate debt collection entry from my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: GA

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 youhave 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.

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