vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 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:
I have a unverified account from XXXX XXXX XXXX, XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g

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 2025-08-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: PR

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had a fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 

Company : XXXX XXXX XXXX Account num. XXXX Date collection:14/6/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
OneMain Financial charged off the account and later issued a 1099-C form, which per IRS guidance constitutes debt cancellation. Despite this, they continue to report a charged-off balance to XXXX, which is misleading and may violate the FCRA. This negatively affects my credit profile. I am requesting deletion of the account from all consumer reporting agencies as the debt is no longer legally owed, and continued reporting is inaccurate and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
On XX/XX/year>, I paid XXXX {$1000.00} via XXXX XXXX XXXX XXXX issued a final bill showing a {$0.00} balance. I have a copy of both the receipt and the final bill. 

Transworld Systems is now reporting this as unpaid and claiming an additional {$60.00} " dishonored check '' fee which is false. I never paid T-Mobile by check.

Transworld 's latest response claims the payments were backout payments but provides no evidence. Ive already submitted proof the payment cleared. 

This account has been disputed and removed before. It has reappeared again, with false charges, causing credit damage. This violates the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Im reaching out regarding a serious issue with my Best Buy credit account. 

On XX/XX/year>, I purchased a television from the XXXX XXXX Best Buy store totaling {$1200.00}, which was placed on a 24-month no-interest financing plan. At the time, a customer service representative helped me set up auto-pay from my bank account, which has been running consistently without interruption since that date. 

To my surprise, when I checked my account balance recently in-store, I was told I still owe {$1100.00}, even though I have been making monthly payments often {$30.00}, {$40.00}, {$50.00}, and occasionally {$100.00} all through automatic payments for over 19 months. 

When I asked why the balance was still so high, the representative mentioned that approximately {$800.00} in interest had accrued. I was told this happened because the monthly payments were not covering the promotional balance in a way that would pay it off within the no-interest period. 

This is deeply concerning to me for several reasons : I was never late on a single payment. 
I was under the impression that Best Buy ( or the issuing bank ) would auto-structure the payments to match the 24-month financing plan.

I was never notified that the payments were insufficient to avoid interest charges. 

Had I known the payments were not being applied properly toward the promotional balance, I would have adjusted them immediately. 
I kindly request a detailed explanation of : 1. How the payments were applied to my account ; 2. Why I was charged interest despite never missing a payment ; 3. And whether this can be resolved, especially considering the misunderstanding caused by auto-pay and the intent to stay compliant with the no-interest terms.

I would appreciate a full account history and review, and if possible, a reversal of the interest that appears to have accrued under what I believe was a miscommunication regarding how auto-pay functions on no-interest plans. 

Thank you for your time and assistance.

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 2025-08-02 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: PA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: PA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

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 2025-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery A, Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature. If not, please delete account Portfolio Recovery A as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: IL

Complaint narrative:
I am disputing inaccurate and unverifiable information being reported by Equifax on a XXXX XXXX account ( secured credit card ending in XXXX ). This account is listed as Charged Off and includes a remark stating First payment never received, which I believe to be false, damaging, and unverifiable. 

I filed a dispute with XXXX, and after their reinvestigation, they deleted this same account, which indicates that XXXX XXXX  failed to provide sufficient documentation to support their reporting. 

I also disputed this account with Equifax, and I specifically requested verification under the Fair Credit Reporting Act ( FCRA ) including the signed contract, complete payment history, and proof of the first payment never received claim. I did not receive the documentation I requested, but Equifax continues to report the account with damaging remarks. 

This is a violation of : FCRA 611 Failure to remove unverifiable information FCRA 609 Failure to provide method of verification FCRA 623 Reporting false or misleading information I am requesting that this account be permanently deleted from my Equifax credit report, in alignment with XXXX  action, and in compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Block, Inc.
State: CA

Complaint narrative:
b'My account was hacked and the individual using it caused a lot hectic problems. I wasnt able to use my account anymore and the hacker had control of my account. I kind of happy when you froze it because they lost control of my account. The new problem is I enjoyed using the app and I would appreciate if I can receive my account or I can make another one. I have three platforms that were hacked and Im trying to open them back up. Thank you in advance.\XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax is reporting a collection account from XXXX XXXX XXXX that is factually inaccurate. I paid XXXX in full via XXXX XXXX XXXX XX/XX/2021. XXXX issued a final bill showing a {$0.00} balance. 

XXXX now claims the payment was backed out and added a {$60.00} dishonored check fee, despite no check ever being used. They have failed to produce documentation validating the debt. 

I previously disputed this and it was removed. Now it has reappeared on my Equifax report. This is false reporting and violates the Fair Credit Reporting Act. 

I have already provided a credit card payment receipt and the XXXX XXXX XXXX to both XXXX and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Someone called me early morning on Saturday XX/XX/XXXX claiming to be law enforcement and my grandson was arrested. They said there was an early release program and that I had to pay {$1200.00} for the program. These people are praying on older people at early hours of the morning. I realized what was going on. I contacted XXXX ( they are the company that handles PayPal credit ) and they said the transaction was pending. They could have blocked it but they did not. They had the opportunity to stop the payment, im not sure why they wouldn't.

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: NC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX  XXXX - XXXXXXXX XXXX XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: SC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: MN

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

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 2025-08-02 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: MN

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

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 2025-08-02 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: VA

Complaint narrative:
I am filing this complaint because certain inaccurate, unverifiable, and improperly reported accounts continue to appear on my credit report, despite a prior dispute and investigation request submitted to the credit reporting agencies. These accounts remain unresolved, and no sufficient validation has been provided by the furnishers. 

I am disputing the accuracy, completeness, and legal verification of the following tradelines : XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status : Charge-Off This account has not been verified for accuracy or completeness. I request removal of any unverifiable or inaccurate data. 

XXXXXXXX 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  These accounts are reported with late payments that have not been properly validated in accordance with XXXX XXXX guidelines and the FCRA. I request reinvestigation and removal or correction of any data that can not be fully substantiated. 

XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : XXXX XXXX The late payment history appears unverified. I request full documentation or deletion. 

XXXX Account # : XXXXXXXX XXXX Status : Collection I dispute this collection account due to lack of proper validation. 

XXXX ( Fair Collections & Outsourcing ) Account # : XXXXXXXX XXXX Status : Collection No supporting documentation has been provided to justify this accounts presence on my credit report. 

Unauthorized Hard Inquiries XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> These hard inquiries were not authorized by me and were made without my express written consent. I request their removal unless verified.

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I previously disputed a Capital One Auto Finance account ( # XXXX ) and requested full validation under 15 USC 1692g and 15 USC 1681i. The furnisher failed to provide required documentation ( contract, itemized statements, or proof of collection authority ), yet the bureaus marked the dispute as resolved by data furnisher and continue reporting the debt as charged off.

This is a misrepresentation and non-compliance with federal law. I am requesting immediate removal of the unverifiable account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally request the immediate deletion of inaccurate and harmful late payment notations associated with the following accounts from my credit report : XXXX XXXX Opened : XX/XX/XXXX | Closed : XX/XX/XXXX XXXX XXXXXXXX Closed : XX/XX/XXXX XXXX XXXX Closed : XX/XX/XXXX XXXX XXXX Bank Closed : XX/XX/XXXX MOHELA/Dept of Education Closed : XX/XX/XXXX These entries contain late payment marks that are either inaccurate, unverifiable, outdated, or improperly reported. Under the Fair Credit Reporting Act ( FCRA ) specifically 15 U.S. Code 1681i and 1681s-2 credit reporting agencies are required to remove or correct any information that can not be verified or is found to be inaccurate. 

Your previous response stating these accounts were verified as reported is unacceptable without providing any documentation or explanation to support that claim. I formally request : 1. A full reinvestigation of each account listed above.

2. The complete method and sources used in verifying the information.

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 2025-08-02 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: MA

Complaint narrative:
i am filing a formal complaint under the fair credit reporting act ( FCRA ) and 15 U.S.C 1681c-2 the listed credit reporting agency is reporting accounts, inquiries, and collections that do not belong to me and were added without my consent. these items resulted from unauthorized use or distribution of my personal information and quality under the legal definition of identity theft. i have submitted a FTC identity theft report detailing the affected items. i am requestingg the immediate block and deletion of all unauthorized or unverifiable accounts inquiries and collections under federal law. the CRA has no permissible purpose or verifiable source to continue reporting these items. if they can not verify each disputed item with documented evidence, the are legally required to remove them within 4 business days under 15 USC 1681-2.

BELOW I AM ATTACHING FTC REPORT PLEASE INVESTIGATE AND REMOVE THE ACCOUNTS AND ALL ASSOCIATED NEGATIVE INFORMATION 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 explanation