vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have encountered difficulties accessing my [ Equifax Information Services ] account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Details of Dispute : XXXX. The Date Opened Is Misleading. 
During a phone call with Portfolio Recovery Associates on XX/XX/XXXX, their representative stated that the account originally went delinquent in XXXX. 
However, my XXXX  report lists this account as opened in XXXX, which gives the appearance of a newly defaulted debt rather than one thats over two years old.

This misrepresentation negatively impacts my credit and is misleading to lenders and scoring models, in violation of the Fair Credit Reporting Act ( FCRA ) 605 ( a ) and 609 ( a ) ( 1 ). 
XXXX. I Was Never Notified of the Debt. 
Portfolio Recovery failed to send any written validation notice to my current address. They admitted sending mail to XXXX XXXX XXXX XXXX, an address I vacated over XXXX years ago. 
Because of this, I did not receive the legally required debt notice under FDCPA 809 ( a ) and was denied my right to request validation within the 30-day window.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
Charged off a long time ago. 

Spring Oaks Capital {$800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
Through the internet site XXXX XXXX XXXXXXXX used CITI Credit Card and paid for XXXX ( XXXX ) rooms in a private property. Transaction amount is XXXX XXXX equal {$650.00} US dollars ( receipt attached, XXXX ). This was and it is the only charge with Booking. The merchant issued a credit of {$110.00}. Thus, {$650.00} minus {$110.00} equals {$530.00}. XXXX XXXX The property is located in " XXXX XXXX '', bad neighborhood and this information was omitted from the internet description. Also it was XXXX season, there was no Heating, however, Heating was advertised in the internet. The XXXX rooms of the property presented is not the same as advertised. XXXX XXXX provided evidence of this to CITI Credit Card. The merchant failed to make sure the property was cleaned and ready for an occupant to move in. Thus, the property was yet to be cleaned. The check in didn't happen, no check in form ( XXXX ) were provided, no invoice was issued. XXXX XXXX tried to resolve these issues but the merchant decided to hang up the telephone during the conversation. The merchant chose not to answer or take any subsequent calls. XXXX XXXX had to find a place to stay and he stayed at XXXX XXXX XXXX. XXXX XXXX provided this evidence to CITI Credit Card. 
On the back of CITI Credit Card there is an International Collect XXXX. That number didn't work. Also he tried calling CITI Customer Service XXXX didn't work too. He then asked his XXXX children to contact CITI, no help. 
XXXX XXXX paid for all the charges except the {$110.00} Credit issued by the merchant. He believes he doesn't owe CIT Credit Card for the credit of {$110.00} issued by the merchant. XXXX XXXX canceled CITI Credit Card effective XXXX, XX/XX/year>. 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 2025-05-16 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: SC

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

"

Company 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 2025-05-16 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 writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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:
Kindly delete these unauthorized accounts from my credit report, as I did not create them and was not informed of their presence. In compliance with USC 1681g, I expect their removal within 15 days. Please find the enclosed supporting documents.

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 2025-05-16 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I was proactive after moving out in getting any fees that was owed to pay the manager quit. I called the corporate number and emailed for months on and they kept telling me once they got a new manager I will get a copy of what was old as they had no one to Produce the move out bill I was never given an opportunity to pay it then it was just put on my credit. They never emailed me anything which they had on file and they had my new address which I gave to corporate several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: CA

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One Bank ( USA ), N.A. 
Attn : Credit Reporting Department XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : Formal Dispute of Late Payment Reporting To Whom It May Concern, I am writing to formally dispute the reporting of a late payment on the above-referenced account as it appears on my credit report. I have reviewed my records, and I believe the reported late payment is inaccurate, unverifiable, and violates federal law. 

According to 15 U.S. Code 1666b, a creditor is prohibited from treating a payment as late unless they have adopted reasonable procedures to ensure that periodic billing statements are mailed or delivered to the consumer at least 21 days before the payment due date. I have reason to believe this requirement was not met in this case, and I am therefore challenging the legitimacy of the reported delinquency. 

In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 and 1681i ), I am requesting the following : That you conduct a full investigation into the accuracy of this reported late payment. 
That you provide verifiable documentation proving the late payment was valid, including evidence that my statement was mailed or delivered with the proper 21-day notice. 
That, if you can not verify the accuracy of the reported late payment, you immediately delete this derogatory information from all credit reporting agencies to which it was submitted. 
Please provide a written response to this dispute within the time frame required by federal law ( generally 30 days ). If this error is not corrected, I am prepared to escalate the matter to the Consumer Financial Protection Bureau ( CFPB ), the Office of the Comptroller of the Currency ( OCC ), and the appropriate state consumer protection agency. 

Thank you for your immediate attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: TX

Complaint narrative:
I have neither authorized this inquiry nor engaged in any discussions with the lender on that date.

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 2025-05-16 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : Inquiries : XXXX XXXX  Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX  Date XX/XX/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 2025-05-16 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute XXXX XXXX XXXX Balance : {$870.00} Open Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$710.00} Open Date XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Open Date XXXX XXXX, XXXX XXXX XXXX XXXX Balance : {$560.00} Open Date XX/XX/XXXX Inquiries : XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I purchased furniture from XXXX XXXX XXXX for {$4200.00} on XX/XX/XXXX and used their store credit card ( managed by Comenity bank ) which gave a XXXX promotional XXXX XXXX APR on this purchase. 

I had setup autopay to pay $ XXXX  monthly to this account. They incorrectly debited my account for the whole balance of {$3800.00} on XX/XX/XXXX. I complained about this and they refunded {$3600.00} ( after deducting {$180.00} I planned to pay for that month ). 

After this, they started charging me a XXXX XXXX interest on this balance since they claim the refund is not considered as part of promotion. They incorrectly charged me {$140.00} so far. Due to this, I had to do a balance transfer from another credit card which cost me {$140.00}. 

The source of this credit is the same purchase I made on XX/XX/XXXX which is under a XXXXXXXX XXXX XXXX XXXX promotional plan. I contacted the Comenity bank multiple times and tried to explain this. Nobody seemed to understand or care about it. They only had a standard answer that this is not under promotional plan now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: GA

Complaint narrative:
I requested my Lexis nexis report XXXX times in the last XXXX year and never received it. Lexis nexis has reported misinformed a previous car accident where someone hit me progressive reported to Lexis nexis That both drivers were at fault in an accident where someone hit me. It has caused my insurance to triple in the last XXXX years Ive requested a copy and I never received it and I requested a copy XXXX times last year. I submitted my drivers license when requested only to receive a letter stating that needed more information and in the letter advised that only have to provide drivers license who I have I want to contact lawyer to do class action lawsuit because I know I cant be the only XXXX getting the run around from Lexis nexis. I want my report that by law I have the right to have

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had a 30 day late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments, I've attached a copy of my report to this complaint on the following dates XX/XX/year>. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt.

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 2025-05-16 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:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had a 30 day late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments, I've attached a copy of my report to this complaint on the following dates XX/XX/year>. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV Funding LLC has violated my rights as a consumer and failed to properly investigate the inaccurate and incomplete information I disputed and they continued to collect on the debt while it was in dispute. They have violated 15 usc 1681s-2b for failure to conduct a proper investigation and considering all relevant information regarding the dispute. If this is not removed from my credit report I plan on taking them to arbitration using the original creditors agreement since I have the right to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX  XXXX XXXX Balance : {$1200.00} Open Date XX/XX/XXXX Inquiries : XXXX XXXXXXXX XXXX XXXX Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: LA

Complaint narrative:
Subject : Request for Blocking and Deletion of Fraudulent Accounts Pursuant to 15 USC 1681c-2 ( a ) I am contacting you as a victim of the Data Breach. Since my information was compromised, I am invoking my rights under 15 USC 1681c-2 ( a ) to request that any fraudulent accounts associated with my identity be permanently blocked and deleted from my credit file. 

Please take the necessary actions to ensure that any unauthorized or fraudulent accounts, as detailed in the accompanying documentation, are blocked and removed from my records. 

Please confirm in writing that my request has been processed and that all fraudulent accounts have been blocked and deleted. If you need further information, you may reach me at the contact information provided above.

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 2025-05-16 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:
I am writing you about the compromising of my social security number due to the Equifax Data breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth. The information listed below, which appears on my Equifax credit report, does not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft. I previously submitted a dispute with these accounts through the CFPB and Equifax responded without actually investigating my claims. 
1. 
XXXX XXXX XXXX Account Number : XX/XX/XXXX2. 
XX/XX/XXXX Account Number : XXXXXX/XX/XXXX 
XXXXXX/XX/XXXX Account Number : XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: TX

Complaint narrative:
Theres a tradeline on my credit report that is not being reported with the maximum possible accuracy, which is a clear violation of the Fair Credit Reporting Act.

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 2025-05-16 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: TX

Complaint narrative:
Theres an inquiry showing on my credit report that I did not authorize in any way. It was done online, without my knowledge or consent, and XXXX telling you now this is fraud.

Company response to consumer: Closed with non-monetary relief