vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am filing a complaint against TransUnion, Experian, and Equifax for refusing to correct or remove an inaccurate dismissed XXXX  XXXX bankruptcy record from my credit reports. 

I formally disputed this public record with all three credit bureaus, explaining that the bankruptcy was dismissed and not discharged meaning no debts were eliminated, and I was not declared legally bankrupt. 

Despite this, the record continues to be reported inaccurately, without proper clarification of the outcome. 

The listing contains incomplete or misleading information such as : - Information Not Available in critical fields - An incorrect amount listed as - {$1.00} - No court dismissal date or updated status explanation This violates my rights under the Fair Credit Reporting Act ( FCRA ) 607 ( b ) and 611, which require that information be complete, accurate, and verifiable. If the public record can not be fully verified and updated to reflect the dismissal accurately, it must be deleted. 

All three bureaus responded to my disputes by verifying the record without correcting the errors or providing any detailed court verification.

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 2025-06-15 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: Exeter Finance, LLC.
State: DC

Complaint narrative:
I recently notice after viewing my consumer report inaccurate, unauthorized, incorrect information XXXX account is reported as a charge-off, but it appears to misrepresent canceled or forgiven debt as income. Under FCRA 602 ( a ), 607 ( b ), and 623 ( a ) ( 1 ) ( A ), this reporting is inaccurate and misleading.

Additionally, under IRS Code 61 ( a ) ( 12 ), discharged debt is considered income for tax purposes only and is not appropriate for credit report inclusion. Please remove or correct this entry to reflect only accurate charge-off status without implying income.Under 15 U.S.C. 1681, 1681i ( a ), 1681n, 1681o, and 1681s-2 ( a ) ( 1 ) ( A ), the Fair Credit Reporting Act mandates that furnishers must report only accurate information and promptly reinvestigate any consumer disputes. Failure to comply with these duties can result in civil liability, including actual and statutory damages. Specifically, 1681i ( a ) requires consumer reporting agencies to reinvestigate disputed information within 30 days, while 1681s-2 ( a ) ( 1 ) ( A ) prohibits reporting information known to be inaccurate. Violations may subject the responsible parties to penalties under 1681n and 1681o.Under 15 U.S.C. 6802, consumers have the right to opt out of the sharing of their nonpublic personal information by financial institutions with non-affiliated third parties. This provision empowers consumers to protect their privacy and control how their personal financial information is disclosed. I hereby exercise my right under this law to opt out of any such information sharing. 

I am requesting an immediate reinvestigation and correction under the FCRA. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: OH

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 : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  ] Account Number 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 2025-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: SC

Complaint narrative:
My rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

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 2025-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
Spring Oaks Capital is reporting XXXX collection accounts on my credit report for XXXX XXXX  and XXXX  XXXX XXXX. I did not open these accounts they are fraudulent. I filed an identity theft report with the FTC and disputed the accounts with XXXX  and XXXX, but they remain. I also mailed Spring Oaks Capital written requests for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), and they failed to provide any documentation or response. They are continuing to report these accounts without proper validation, in violation of the FDCPA and FCRA. I am requesting the immediate removal of these accounts and investigation into Spring Oaks Capitals reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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:
Please refer to the attachments pertaining to the Equifax data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I paid almost XXXX included with repossession i lost my job that same month the day after i got it from the impoud they moved it all the way to XXXX trying to sale it they knew after i paid the next day the car note was due, they did nothing to help move my payments! 
My husband who is on there with me is XXXX  They didn't lower payments or try to help they rely on a system and then tells me that they can't do anything about it i HAVE XXXXXXXX XXXX XXXX i put everything into this car and all i asked for is affordable payments and they won't help at all this company has had me paying interest for two years robbing me and now they won't even hellllp me at all they need to investigate the department for helping real people with real problems!!! I need help. Now they are trying to reposess my car again acct XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : - Creditor Name : [ XXXX XXXX XXXXXXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX  ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX XXXX - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX ] XXXX Account Number : [ XXXX ] - Reason for dispute : [ account not mine ]

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 2025-06-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
On or about XX/XX/year>, Affirm accepted a {$20.00} payment over the phone on a loan that, according to their representatives, was already charged off. I was not informed during the call that the account was considered closed or inactive, and no written confirmation or explanation was provided afterward. 

After the payment was processed, Affirm claimed the account was no longer active and had been charged off. If that is the case, then they should not have accepted payment unless they still owned the debt. To date, I have not received : Written confirmation of the charge-off date Documentation showing Affirm still owns the debt A clear explanation of where my {$20.00} payment was applied I have made multiple attempts to get this information but have received no response. I believe this is a violation of the Fair Credit Reporting Act ( FCRA ) and/or the Fair Debt Collection Practices Act ( FDCPA ), particularly regarding transparency in debt servicing and fair treatment of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$250.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$590.00} XXXX/XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4100.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$890.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7700.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: NY

Complaint narrative:
Hi my name is XXXX XXXX XXXX who resides at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX a nd i am writing this report because there are several unauthorized accounts negatively impacting my credit profile. I recently pulled my credit report and i see these accounts that i did not provide for signature for. I have tried to resolve these with the credit agencies ( TRANSUNION, EXPERIAN, EQUIFAX ) but they refuse to help. Please i need help as i am asking for these accounts to be investigated and removed from my credit report. I have listed them below. Also the inaccurate name and address on my report. This will be listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please change update to XXXX XXXX XXXX Wrong Addresses with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please have these changed and updated to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need to have deleted will be attached in a XXXX  XXXX. I have several accounts that I DID NOT apply for listed on my credit report. My information was exposed in the XXXX  Data Breach and as a result someone opened up several fraudulent accounts in my name. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the report. According to FCRA 6058B this information must be blocked within 4 days. XXXX  has been slow in responding to my request via postal mail so now I'm involving the CFPB. This inaccurate information is causing me lots of stress and discomfort and embarrassment.

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 2025-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against American Express regarding the handling of my credit card account. Despite numerous attempts to work with their customer service and hardship departments, American Express has failed to resolve the matter in a fair and reasonable manner. 

Summary of Issue I was enrolled in a 0 % APR promotional offer on my American Express credit card, intended to last for 12 months. Unfortunately, due to a medical emergency involving my sonwho is undergoing XXXX treatmentI inadvertently missed a single payment by XXXX day. I paid it immediately after realizing the error and explained the situation to American Express representatives as soon as they contacted me. 

Despite this, American Express removed the promotional rate without notifying me and applied a high interest charge at a rate of 29.99 %. When I noticed the change, I immediately reached out to explain the circumstances and requested that they reinstate the promotional rate or at the very least work with me to establish a hardship plan with a more reasonable interest rate. 

Efforts Made I spoke with multiple American Express representatives and explained my situation in full detail. 

I requested compassion and flexibility given the extenuating medical circumstances and good payment history. 

I asked for a hardship or payment plan that would allow me to repay the balance at a lower rate ( such as 6.99 % ) rather than 29.99 %. 

I was told multiple times that someone from the credit or hardship department would call me back. That follow-up never occurred. 

I was eventually told that I might qualify for a financial relief program, but no terms were provided, and I received no official offer or enrollment information. 

I escalated the matter anndwas told, I would receive a response and plan in XXXX  days. I was in contact multiple times and each time I get the same run around. You don't qualify for anything etc. Try gaining 2 days. This has been going on since XX/XX/XXXX and im still getting nowhere with them. 
As of today, American Express has not offered any resolution. The high interest charges remain in place, and I have not received a proper review of my case or any meaningful assistance, despite multiple good-faith efforts to resolve it directly with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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:
i received a call from social security stating that my identity had been stolen and that it seems they were using my information to rent cars, purchase hotel rooms and were engaging in transporting narcotics in the XXXX area. they confirm to me that they are drug XXXX  's. And that my personnel information was probably purchased on the dark web. Social security and IRS are not sure how long they have been using my 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 2025-06-15 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc.
State: CA

Complaint narrative:
On XX/XX/year> I sent a letter certified mail asking for a validation of this debt. I asked for the master promissory note and any other original documents having my signature. 
I also asked for the chain of custody. 
I have not received any response in regards to my requests. I called nelnet on XX/XX/year> and was told that the information i requested was not available and I should seek legal assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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:
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 : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number XXXX [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: CITIBANK, N.A.
State: MS

Complaint narrative:
In XX/XX/2025 A company XXXX charged my card without authorization in the amount of XXXX I am requesting an investigation into Citi Cards for failing to properly address and resolve an unauthorized charge on my credit card, despite clear documentation and repeated attempts to dispute it. 

I have both emails and text messages confirming that the merchant did not have my permission to charge my card. I immediately provided this evidence to Citi, along with a request to cancel the card to prevent any further unauthorized transactions. I also flagged the charge as unauthorized. 

Despite my proactive efforts, Citi failed to act promptly or appropriately : Nearly XXXX months passed with no resolution. 
On XX/XX/XXXX, the fraud department finally informed me that I had been routed to the wrong department all along and redirected me to billing disputes. 
The billing dispute department then claimed they could not help me. 
Later that same day, Citi reversed course and told me they could handle the issue and that I wouldnt have to worry about the transaction anymore. 
On XX/XX/XXXX, Citi again pushed me back to billing disputes, claiming the case could be reopenedbut only now, after significant delay and confusion. 

Citis internal miscommunication and failure to escalate this matter properly have cost me time, created unnecessary stress, and left me unprotected from unauthorized charges. I am asking the CFPB to investigate Citis handling of my dispute and hold them accountable for their mishandling of what should have been a straight forward case.

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 2025-06-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Open date : XX/XX/XXXX Closed date : XX/XX/XXXX Last payment : XX/XX/XXXX Credit Limit {$1800.00} Open date : XX/XX/XXXX Closed date : XX/XX/XXXX Last Payment XX/XX/XXXX Credit Limit {$750.00} Capital one account has been paid in full, and the account is still showing up on my credit report. I will like this account and all derogatory marks removed from my credit report in full.

Company response to consumer: Closed with explanation