vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXXXXXX 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 2025-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC CXXXXe XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC XXXXb and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-08-29 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-29 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: TN

Complaint narrative:
I dispute these accounts as they are fraudulent and unauthorized. Under USC 1681g, I request they be removed from my credit file within 15 days. Ive attached documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a complaint regarding a fraudulent account being reported by XXXX XXXXXXXX XXXX XXXX XXXX XXXX ). 

I have never applied for, opened, or authorized any account with XXXX XXXXXXXX XXXX  The account is showing a balance of {$600.00} on a {$400.00} limit, reported as charged-off and derogatory, with remarks such as profit and loss write-off and account information disputed by consumer. 

This account is the result of identity theft and is not mine. It is being falsely reported on my credit file, and it has damaged my credit score and my ability to secure housing and provide for my family. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i & 1681s-2 ), creditors and credit bureaus may not continue reporting unverifiable or fraudulent information. 

I am requesting that the CFPB investigate XXXX XXXXXXXX XXXX  reporting practices and ensure this fraudulent account is removed from my credit history. 
I am filing a complaint against XXXX XXXX XXXX for a fraudulent account being reported on my credit file. 

I have never applied for, opened, or authorized any account with XXXX XXXX XXXX. I had no knowledge of this account until reviewing my credit report. This is the result of identity theft or misuse of my personal information, and it does not belong to me. 

Despite this, the account is being reported as if I am responsible for it, which is inaccurate and harmful. This false reporting has negatively affected my credit score, making it harder for me to secure stable housing and financial opportunities for my family. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i & 1681s-2 ), furnishers and credit bureaus must only report accurate and verifiable information. Since this account can not be validated as mine, it must be removed. 

I am requesting that the CFPB investigate XXXX XXXXXXXX XXXX reporting practices and ensure that this fraudulent account is deleted from my credit history.

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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kikoff Inc.
State: FL

Complaint narrative:
I am filing a complaint regarding a fraudulent account being reported by XXXX XXXXXXXX XXXX ( XXXX XXXX ). 

I have never applied for, opened, or authorized any account with XXXX XXXXXXXX XXXX The account is showing a balance of {$600.00} on a {$400.00} limit, reported as charged-off and derogatory, with remarks such as profit and loss write-off and account information disputed by consumer. 

This account is the result of identity theft and is not mine. It is being falsely reported on my credit file, and it has damaged my credit score and my ability to secure housing and provide for my family. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i & 1681s-2 ), creditors and credit bureaus may not continue reporting unverifiable or fraudulent information. 

I am requesting that the CFPB investigate XXXX XXXXXXXX XXXX  reporting practices and ensure this fraudulent account is removed from my credit history. 
I am filing a complaint against Kickoff Lending LLC for a fraudulent account being reported on my credit file. 

I have never applied for, opened, or authorized any account with Kickoff Lending LLC. I had no knowledge of this account until reviewing my credit report. This is the result of identity theft or misuse of my personal information, and it does not belong to me. 

Despite this, the account is being reported as if I am responsible for it, which is inaccurate and harmful. This false reporting has negatively affected my credit score, making it harder for me to secure stable housing and financial opportunities for my family. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i & 1681s-2 ), furnishers and credit bureaus must only report accurate and verifiable information. Since this account can not be validated as mine, it must be removed. 

I am requesting that the CFPB investigate Kickoff Lending LLCs reporting practices and ensure that this fraudulent account is deleted from my credit history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: CA

Complaint narrative:
I am filing this complaint against Experian for willfully and negligently failing to correct inaccurate personal information on my credit file despite my prior dispute and supporting documentation. Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. XXXXi ), the bureau is legally obligated to conduct a reasonable reinvestigation and ensure that all information reported is accurate and verifiable. Instead, they continue to publish incorrect and damaging personal information on my credit report, including XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX & XXXX XXXX XXXX, XXXX, CA, XXXX, even after I submitted clear documentation to prove these errors. This conduct is a blatant violation of my consumer rights, causing harm to my reputation and 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 explanation
Consumer complaint received 2025-08-29 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:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB : XX/XX/XXXX SSN : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/XXXX Re : Formal Dispute Inaccurate Reporting of Closed/Charged-Off Account To Whom It May Concern, I am formally disputing the following account on my Equifax credit report : - Creditor/Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Status : Charge-off ( Closed ) This account is reporting with multiple factual errors in violation of the Fair Credit Reporting Act ( FCRA ) : XXXX. It is marked as Paid Off while also showing a past due balance of {$1500.00}. This is contradictory and inaccurate. 
XXXX. The account is showing monthly charge-offs ( CO ) for XXXX, XXXX, XXXX, and XXXX. A charge-off is a one-time accounting action, not a recurring status. Continuous reporting of charge-offs is inaccurate and misleading. 
XXXX. The XXXX XXXX and XXXX XXXX fields are blank, leaving the record incomplete and unverifiable. 
XXXX. The Last Payment Date is XX/XX/XXXX, but the account continues to update as of XX/XX/XXXX without any new activity, creating an inaccurate re-aging of the account. 
Under FCRA 602, 607, and 623, credit reporting agencies may only report information that is accurate, complete, and verifiable. Since these inaccuracies exist, I request an immediate deletion of this account from my Equifax credit report if full verification can not be provided. 
Please investigate and provide me with written results within 30 days, as required by the FCRA. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
This company is calling at all hours on XX/XX/scrub>, 2005 they was calling my cellphone at XXXX XXXX  they called about 10 times. I have the numbered blocked through XXXX and marked as XXXX and they'd call from a different number. Using XXXX I was about figure out it was Portfolio Recovery. They call my husband and they've called my aunt. I have included the past requested they did not call extended numbers. They have even sent mail to my mother in laws home. Im not sure how they get all this information but this is insane.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: MD

Complaint narrative:
I am formally disputing the reporting of accounts appearing under my name without my knowledge, consent, or authorization. I have never opened, authorized, or managed these accounts, and their presence is both inaccurate and misleading. This false reporting is unacceptable and is causing serious harm to my credit profile and financial reputation. 

I request immediate clarification as to why these accounts are appearing on my credit report and who is responsible for reporting them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
Issue : Retroactive interest charged on a promotional financing plan.... 

I financed a mattress purchase through Synchrony Bank under what was presented to my husband and me as a XXXX interest-free financing plan by the salesman at XXXX XXXX. I'm attaching the first email I received from Synchrony which states in the email that XXXX month interest-free financing is available. This is what we were sold. For two years, I have made every payment on time, and the account is now approximately halfway paid off. 

Without warning, I was charged {$2600.00} in retroactive interest after XXXX  monthsan amount greater than my remaining balance on the original purchase. 

It was not made clear to me that there was a XXXX interest-deferred period rather than XXXX months I was sold in. The online account portal does not clearly display the end date of the promotional period. It only shows the payment due date, minimum payment, current balance, and amount available to spend on their main dashboard. Because my account was on autopay, and my understanding was that I was in a XXXX interest-free period, I had no reason to suspect any risk of penalty considering my good standing on payments. 

I immediately reached out to Synchrony and was initially told by a customer service representative that there was a grace period, and that I was only three days past the deadline to qualify for a waiver of the interest charge. However, when I spoke with an account manager, he contradicted this, stating that no grace period existed. When I mentioned what the previous representative had told me, he reversed his position, acknowledged that there was a grace period, and said he would talk to her about sharing this informationyet still refused to offer any accommodation or resolution. This inconsistency further highlights the deceptive and unclear practices at play. 

This feels deceptive and unfair, especially considering my perfect payment history. The charge is disproportionate and appears designed to penalize responsible consumers. I understand that the CFPB has previously raised concerns about deferred-interest financing plans for this very reason : they obscure important terms and surprise consumers with large retroactive interest charges even when payments are made on time. 

I respectfully request that Synchrony either : XXXX. Waive the retroactive interest charges and allow me to pay off the balance in full immediately, or XXXX. Reinstate the original promotional terms so that I can continue to pay the pre-interest balance under the interest-free agreement as originally understood.

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 2025-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
This account currently appears on my credit report and is negatively affecting my credit score.

I would like to request that your agency consider removing this account from my credit report with the three major credit bureaus ( XXXX XXXX, and XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I'm in XXXX and I checked my account and saw that an Unauthorized charge for {$770.00} was on my Chase credit card statement. I called Chase to report the Fraudulent charge, as required per Chase. They gave me a credit for the charge then Reversed it saying that I made another purchase after the Fraudulent one. I explained to them that the store has three, 3, Different payment machines and I don't know what the merchant did with the card. The Credit Card doesn't need a PIN, so they could have Swiped my card on One of the other machines to make That charge. I was Robbed in XXXX and also explained that to Chase. In XXXX, when they see a Foreigner, they take Advantage. And if you don't Speak the Language, you don't Know what's happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX2025 XXXX XX/XX/year>2025 XXXXXXXX XXXX XXXX2025 XXXX XXXX XXXX2025 XXXX XXXXXXXX XXXX2025XX/XX/year>

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 2025-08-29 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: CA

Complaint narrative:
I am filing this complaint against Equifax for their continued reporting of late payment accounts on my credit report which are XXXX XXXX XXXX, XXXX XXXX BANK XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX. This is not only a gross inaccuracy, but it also violates multiple provisions under the Fair Credit Reporting Act ( FCRA ), including XXXX ( a ) [ 15 U.S.C. XXXX ( XXXX ) ] and XXXX ( XXXX  ) [ 15 U.S.C. XXXX ( b ) ]. 
I previously submitted a formal dispute regarding this inaccurate entry, yet Equifax failed to conduct a meaningful or lawful reinvestigation. They did not contact the furnisher nor provide any documentation verifying its accuracy. Their handling of the dispute shows noncompliance with the FCRAs requirement to conduct a reasonable reinvestigation. 
Equifax appears to rely solely on automated systems such as e-OSCAR rather than performing an actual manual review of disputed items or original records. This kind of automated verification process is insufficient under the FCRA, and can not meet the standard of a 'reasonable ' reinvestigation. 
Further, under FCRA XXXX ( b ), Equifax has a legal obligation to ensure the maximum possible accuracy of the information they report. Maintaining a late payment accounts on my record, with no documentation or proper validation, is a clear and damaging violation of that duty. This error has harmed my credit reputation, caused emotional distress, and denied me access to financial opportunities. 
I am also aware that In XX/XX/scrub> 2025, Equifax was fined {$15.00} XXXX for improper investigations and failure to comply with FCRA accuracy requirements. My experience is consistent with those systemic issues and shows these practices are still ongoing. 
I am requesting the CFPB to require Equifax to immediately delete the inaccurate information from my credit report, issue a full explanation of their investigation process, and hold them accountable for violating my rights as a consumer. If necessary, I am prepared to pursue compensation for damages under FCRA XXXX and XXXX. 
I have attached my formal dispute letter dated XX/XX/scrub>, 2025, which further outlines my concerns and demands. I respectfully ask the CFPB to investigate this matter and enforce compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PR

Complaint narrative:
The Capital One account was opened on XX/XX/year>, and the company decided to close it because there was a fraud alert on my credit. They gave me no option ; the simply closed it without my consent and without a precise or conscientious explanation.

Company response to consumer: Closed with explanation