vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-17 00:00:00
Product: Credit card — Store credit 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: NJ

Complaint narrative:
I purchased merchandise at XXXX XXXX in the amount of {$13000.00} on XX/XX/year>. I was billed for merchandise between XX/XX/XXXX and XX/XX/year>, but my order was not received until XX/XX/year>, several months later. I paid in full on XX/XX/year>. Despite paying in full before my order was received, Capital One assessed interest charges beginning from the original billing date. Under Fair Credit Billing Act, card issuers may not bill or impose finance charges until the goods or services have been delivered or shipped. Therefore, I requested an adjustment from Capital One since the original transaction date and accrual period are incorrect. Unfortunately, after repeated attempts to bring this to amicable agreement, Capital One and Pottery Barn refused to correct billing date and remove interest charges. I was told that I can't dispute interest charges. As a result, I would like to file formal complaint against Pottery Barn and Capital One for deceptive and unethical billing practices. 

There is currently {$660.00} in accrued interest on account. I have paid for merchandise in full, and I'm simply disputing billing date and subsequent interest charges. This amount continues to grow every month. Please advise what rights I have as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
I would like to file a complaint against Exeter Finance LLC regarding an account that continues to appear on my credit report even though the debt was transferred to XXXX XXXX XXXX XXXX XXXX. 

Exeters own CFPB response ( Case # XXXX ) confirms that the account was transferred to XXXX on XX/XX/2024, and that Exeter no longer owns or services this account. Despite this, the Exeter tradeline is still being reported, which is inaccurate and misleading under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ( a ) ). 

XXXX XXXX XXXX also confirmed in CFPB XXXX # XXXX that they requested deletion of their tradeline from all credit bureaus. Since XXXX has deleted their tradeline and Exeter no longer owns the account, Exeters reporting of this charged-off account is no longer accurate or verifiable.

Once a debt is transferred, the original creditor must report the account as closed and transferred with a XXXX  balance and should not continue reporting negative information. Because Exeter continues to report this account, it is causing inaccurate and misleading reporting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: Global Tel*Link Corporation
State: CA

Complaint narrative:
This complaint is about GTL/GettingOut/Telmate/ViaPath inmate phone and communication services. 
On XX/XX/XXXX I downloaded the ViaPath and GTL Getting Out phone apps and installed on my phone. 
I made a deposit of {$40.00} for phone and email visits. The phone visits weren't ever used as the facility had connectivity issues with their system. There were a handful or less of brief emails. The emails were charged at about XXXX cents per email. 
This was during XXXX. 
Then on XX/XX/XXXX I added another {$31.00}. This was for inmate commissary but was never received. 
Then on XX/XX/XXXX I added another {$40.00}. 
On XX/XX/XXXX I attempted to send an email via the app and was surprised to learn that there was no balance left in the account. 
So, a total of {$110.00} was deposited but less than a few dollars were used for several emails. Evidently the tablets for phone calls was never usable. 
During this time, my mother and my sister had both deposited {$40.00} each into their app and never got to use the money. 
I found the phone number for the company and called to see what happened to the money I had deposited for emails. There is a recorded message stating that all funds not used within 180 days are removed from the account and GTL gets to take it! " If you agree with this policy press XXXX ''. I did not press one and the call hung up on me after a few seconds, so I was never able to speak with any representatives of the company.

GTL needs to refund myself, mom and sister the money that was taken for no reason other than the telecom systems weren't functional.

Not only are the inmates all over the country being taken advantage of, so are their family members.

GTL and all other so called inmate communication systems need to stop fleecing families and inmates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: MI

Complaint narrative:
CREDIT DISPUTE LETTER CLOSED LOAN ACCOUNTS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Michigan, XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, Michigan XXXX XXXX ] Date : Done in the Light of Day XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
TransUnion LLC Re : Formal Notice of Inaccuracy and Demand for Immediate Deletion or Correction of Closed Accounts This letter serves as a formal written dispute pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ), and Federal Trade Commission regulations. Upon reviewing my consumer disclosure via XXXX XXXX, I have identified multiple closed loan accounts that are being inaccurately or unnecessarily reported and adversely affecting my credit profile. 

The disputed accounts are as follows : XXXX multiple entries reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( All show {$0.00} balance and are closed ) XXXX XXXX XXXX  Reported XX/XX/XXXX ( Closed {$0.00} balance ) XXXX XXXX  Reported XX/XX/XXXX ( Closed {$0.00} balance ) XXXX XXXX XXXX Reported XX/XX/XXXX ( Closed {$0.00} balance ) Legal Basis for Dispute 1. Under FCRA 1681i, credit reporting agencies must reinvestigate disputed information and delete or correct any item that can not be verified as accurate and complete. 
2. These accounts show {$0.00} balance and are closed, yet they remain on file without any current reporting activity. Continued reporting of dormant, redundant, or unverifiable closed accounts constitutes misleading and obsolete information under FCRA 1681c.

3. Multiple entries for the same furnishers ( e.g., POSSIBLEFINA ) amount to duplicate and excessive reporting, which artificially inflates account volume and may impair creditworthiness assessments.

4. If the furnishers can not provide certified documentation verifying the necessity and accuracy of continued reporting, these accounts must be deleted in full. 


Demand I hereby demand immediate investigation and : Removal of all obsolete, duplicate, or unverifiable closed accounts listed above ; or Written verification from the original furnishers, including original account-level documentation as required by FCRA 609 ( a ) and Metro 2 reporting standards.

Failure to comply with this request within the statutory time period ( 30 days ) will result in further action, including but not limited to FTC complaints, CFPB filings, and potential civil claims for willful or negligent non-compliance under FCRA 616617. 


Notice of Rights Reserved All rights are reserved under UCC 1-308 and applicable consumer protection laws. No rights are waived. 

Sincerely, XXXX XXXX XXXX XXXX Executor XXXXXXXX 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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of anxiety, and I earnestly hope for a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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 submitting this complaint regarding multiple inaccurate and potentially fraudulent items appearing on my credit report. These entries have caused significant harm to my financial reputation, creditworthiness, and ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., credit reporting agencies are required to maintain maximum possible accuracy and investigate disputed information. 
Wrong Address XXXXXXXX XXXX XXXX XXXX FL XXXX The above address does not belong to me. I have never resided at this location. Reporting a wrong address violates the FCRA requirement for accurate reporting and creates confusion about my identity, potentially exposing me to identity theft. I demand that this address be removed from my file immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX Charge Off Opened XX/XX/XXXXXXXX  Balance {$1000.00} XXXX XXXX I have no knowledge of this account. I never applied for, authorized, or used credit with XXXX XXXX. This account appears to be fraudulent or erroneously reported. FCRA 1681e ( b ) requires maximum possible accuracy. Reporting a charge-off on an account that is not mine is a clear violation. I request deletion of this account and correction of my credit history. 
XXXX XXXX XXXX XXXX XXXX Charge Off Opened XX/XX/XXXXXXXX  Balance {$1500.00} XXXX XXXX I did not open or authorize any account with XXXX XXXX. This reporting constitutes fraudulent activity and violates FCRA 1681e ( b ). I request immediate deletion and written confirmation. 
XXXXXXXX XXXX XXXX XXXX Collection Opened XX/XX/XXXX Balance {$860.00} XXXX XXXX This duplicate or erroneous entry continues to appear despite being disputed. Duplicate reporting inflates negative credit information and violates FCRA 1681i ( a ). Immediate deletion is required. 
XXXXXXXX XXXX XXXX XXXX XXXX Collection Opened XX/XX/XXXX Balance {$740.00} XXXX XXXX This account is inaccurate and unverified. Under FCRA 1681i ( a ) ( 1 ) ( A ), you must ensure that information disputed is fully validated before reporting. I demand removal. 
Hard Inquiries XXXX  XXXX XX/XX/XXXX These inquiries were not authorized by me. Reporting unauthorized inquiries violates FCRA 604 ( a ) ( 3 ) and adversely affects my credit score. I request that all these inquiries be removed immediately. 
These inaccurate, duplicate, and unauthorized entries are causing severe harm to my financial stability and reputation. I request CFPB to investigate these matters, compel the credit reporting agencies to correct or delete the accounts, and provide confirmation of actions taken. Failure to correct these errors is a violation of federal law, and I reserve my right to take further legal action if necessary.

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 2025-10-17 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: NY

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : 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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THIS BANKRUPTCY ACCOUNT IS BEING INACCURATELY REPORTED ON MY CREDIT FILE.

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 2025-10-17 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: GA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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:
The reported entry conflicts with my pattern of timely payments and seems mistaken. Please examine it and delete it.

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 2025-10-17 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: FL

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 2025-10-17 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: NV

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: J J Marshall & Associates, Inc
State: MI

Complaint narrative:
Heres a clear breakdown of what the FCRA ( 15 U.S.C. 1681 et seq. ) says, in plain terms : [ Your Name ] [ Your Address ] [ City, State ZIP ] [ Phone Number ] [ Email Address ] [ Date ] To : JJ Marshall & Associates [ Company Address ] [ City, State ZIP ] Subject : Dispute of Inaccurate Credit Information Dear Sir/Madam , I am writing to dispute the following information on my credit report, which I believe is inaccurate, incomplete, or unverifiable under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2. 

Details of the disputed account : Creditor/Company : JJ Marshall & Associates acc XXXX XXXX Reported Balance / Status : XXXX Reason for dispute : INACCURATE INFORMATION/ NOT VERIFIABLE This account does not belong to me. and The DATES reported are incorrect, The reported payment dates for this account are incorrect, which constitutes inaccurate information under FCRA 1681e ( b ), requiring maximum possible accuracy, and 1681i, which gives consumers the right to dispute incomplete or inaccurate information Requested action : I request that you investigate this matter and provide written verification of the accuracy of this account. If the information can not be verified, please delete or correct it from my credit report immediately. 


Please notify me in writing of the results of your investigation, and if any changes are made to my account information, please inform the credit reporting agencies to update my credit file accordingly. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: AZ

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-17 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Unauthorized access to my credit report by multiple companies has directly harmed both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed ; however, that assurance has not been honored, and the inquiries remain. This lack of action is completely unacceptable. The continued presence of these potentially fraudulent entries raises serious concerns of identity theft and has caused ongoing emotional and financial distress.

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 2025-10-17 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: GA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : 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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-10-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Westlake Services, LLC
State: NC

Complaint narrative:
I requested a full details on why I was charged an additional repossession fee a month and a half after paying my fee and retrieving my vehicle. I was told that there's no way to get that information without it being an active repossession on my account. I was charged an extra {$700.00}.

Company response to consumer: Closed with explanation