vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-27 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: IL

Complaint narrative:
I am following up regarding multiple inaccuracies that continue to appear on my credit report, which are negatively impacting my creditworthiness. Despite my prior disputes, these issues have not been corrected, and the reporting agencies have failed to verify the information properly. 
Several addresses listed on my file, including locations on XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX in XXXX, are not associated with me and should not be linked to my credit file. Their continued reporting is confusing and has the potential to connect me to accounts that I do not recognize. 
Additionally, certain accounts continue to be reported inaccurately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts remain listed with derogatory remarks despite having a reported balance of {$0.00}. This representation is misleading and does not accurately reflect my financial history. 
There are also inquiries and accounts appearing on my report that I did not authorize or recognize, including those from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These items raise serious concerns regarding accuracy and authorization.

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 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: P&B Capital Group, LLC
State: SC

Complaint narrative:
Original Creditor : XXXX XXXX XXXX Debt Collector : P & B Capital Group LLC Update : I am updating my complaint to reflect new information regarding this debt and to clarify my dispute. 

The account originated with XXXX XXXX XXXX, was transferred to XXXX XXXX XXXX XXXX, and is now with P & B Capital Group LLC, who is attempting to collect. 

On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX performed some repairs on my XXXXXXXX XXXX XXXX  However, the three engine mounts listed on the lease were never in my possession, never installed, and never returned because the wrong parts were sent to XXXX XXXX XXXX by their supplier. 

On XX/XX/XXXX, I contacted XXXX XXXX XXXX about the missing parts and participated in a 3-way call with XXXX, but the owner of XXXXXXXX XXXX XXXXXXXX did not return calls from XXXX, preventing any account adjustment. 

The vehicle was voluntarily surrendered on XX/XX/XXXX, so no further repairs can be made. 

The balance being collected is inflated and inaccurate because the wrong parts were never installed or returned for credit, and the company failed to cooperate with XXXX. 

I have since formally disputed the debt in writing with P & B Capital Group LLC and requested : Full written validation of the debt, including credits, payments, and account history.

Cease of all collection activity and credit reporting until the dispute is resolved. 

This matter has also been reported to the XXXX XXXX XXXX  ( XXXX  ) with no response from the business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: U.S. BANCORP
State: CA

Complaint narrative:
my car was a total loss, the driver that rear ended me her insurance sent a check for the pay off of my car to us bank, the pay off was {$28000.00}, XXXX  sent them {$30000.00} and some dollars, they received the payoff on XX/XX/XXXX, I did not see on time they had received the pay off so I continue making two payments, one on XX/XX/XXXX and another one on XXXX XXXX for {$1000.00} dollars each, they want to reimburse me only the {$2000.00} dollars but nothing for the difference of the pay off check sent by XXXX  and the pay off amount which is close to another {$2000.00} dollars, they said the pay off was what XXXX sent them and not what I say which is {$28000.00}

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 2025-09-27 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: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Help please 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-09-27 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: WA

Complaint narrative:
I am submitting this follow-up regarding previously reported inaccurate, unauthorized, and potentially fraudulent items on my Experian credit file. Despite my earlier dispute, the following issues remain unresolved : Unauthorized XXXX  XXXX XXXX inquiries The inquiries dated XXXX, XXXX, and XXXX were not authorized by me, nor did I apply for credit with XXXX  XXXX XXXX. Under FCRA 604, a consumer report may only be obtained with a permissible purpose. These inquiries are impermissible and must be removed immediately. 

Incorrect addresses The addresses XXXX XXXX XXXX, XXXX, WA XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, WA XXXX are not associated with me. Reporting these addresses violates FCRA 607 ( b ), which mandates maximum possible accuracy, and FCRA 605B, which requires blocking information resulting from identity theft or mixed files. 

XXXX XXXX account ( Account No. XXXX, Balance {$10000.00} ) This account is inaccurately reported as a charge-off while still showing a balance, which is misleading. Continued reporting without complete verification violates FCRA 607 ( b ), 611, and 623 ( a ) ( 1 ) ( A ). 

XXXX XXXX XXXX collection ( Account No. XXXX, Balance {$2400.00}, Original Creditor : XXXX XXXX ) This account has been previously disputed but remains unvalidated. Its continued reporting is a violation of FCRA 607 ( b ), 611, and 623 ( a ) ( 1 ) ( A ). If this account is the result of identity theft or a mixed file, it must be blocked pursuant to FCRA 605B.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: WA

Complaint narrative:
I am submitting this follow-up regarding previously reported inaccurate, unauthorized, and potentially fraudulent items on my Experian credit file. Despite my earlier dispute, the following issues remain unresolved : Unauthorized XXXX  XXXX XXXX inquiries The inquiries dated XXXX, XXXX, and XXXX were not authorized by me, nor did I apply for credit with XXXX  XXXX XXXX. Under FCRA 604, a consumer report may only be obtained with a permissible purpose. These inquiries are impermissible and must be removed immediately. 

Incorrect addresses The addresses XXXX XXXX XXXX, XXXX, WA XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, WA XXXX are not associated with me. Reporting these addresses violates FCRA 607 ( b ), which mandates maximum possible accuracy, and FCRA 605B, which requires blocking information resulting from identity theft or mixed files. 

XXXX XXXX account ( Account No. XXXX, Balance {$10000.00} ) This account is inaccurately reported as a charge-off while still showing a balance, which is misleading. Continued reporting without complete verification violates FCRA 607 ( b ), 611, and 623 ( a ) ( 1 ) ( A ). 

XXXX XXXX XXXX collection ( Account No. XXXX, Balance {$2400.00}, Original Creditor : XXXX XXXX ) This account has been previously disputed but remains unvalidated. Its continued reporting is a violation of FCRA 607 ( b ), 611, and 623 ( a ) ( 1 ) ( A ). If this account is the result of identity theft or a mixed file, it must be blocked pursuant to FCRA 605B.

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 2025-09-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc.
State: TX

Complaint narrative:
No information was sent to me. The student loan is showing as late, when this is not accurate the loan was never due. It was always deferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Re : Formal Dispute of Inaccurate Credit Reporting XXXX XXXX XXXX. 

To Whom It May Concern : I am writing to formally dispute the accuracy and completeness of the account being reported by XXXX XXXX XXXX on my credit report. This account is unverified. Despite requests, XXXX XXXX XXXX has failed to provide proper validation of this alleged debt as required by law. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681g, I demand that you : Conduct a full reinvestigation of the disputed account. 

Provide me with the method of verification used to confirm the accuracy of this account. 

Furnish all documents used in the verification process, including : The original signed contract or credit agreement bearing my signature. 

The original application used to open the account. 

Full account-level documentation, including statements, itemized charges, interest calculations, and any payment history. 

The complete chain of title showing assignment from the original creditor to XXXX XXXX XXXX, including all Bills of Sale or Contracts of Assignment. 

Any Forward Flow Agreement or similar documentation evidencing legal ownership of the account by XXXX XXXX XXXX. 

Failure to Validate : XXXX XXXX XXXX has not produced any of the above documentation to validate ownership, accuracy, or the legal right to report this account. Furnishing information to a credit bureau without validation is a violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ) ( duty of maximum accuracy ) and deprives me of my rights under the law. 

If XXXX XXXX XXXX can not validate the account, you are required to delete this tradeline from my credit report pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). 

A simple electronic data response ( e-OSCAR ) or generic confirmation from the furnisher is not sufficient for verification under the law. 

I also request a complete and detailed explanation of the procedures used to verify this account, including the name and contact information of the individual or entity who verified it. 

If you fail to provide proper verification and documentation, or continue reporting unverifiable information, it will constitute a willful violation of the FCRA, and I will pursue all available remedies under 15 U.S.C. 1681n and 1681o, including damages, attorneys fees, and costs.

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 2025-09-27 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 Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. CXXXXe XXXX ( XXXX ) and 15 U.S. CXXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXXXXe XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-27 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:
Multiple late payments are showing incorrectly on my credit reports. I requested that my payment be updated to show correctly. They did not provide any proof of the correct information but said my info is correct when it is 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 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached 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 explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached 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 2025-09-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: Veros Credit, LLC
State: CA

Complaint narrative:
I am confused first i was with a finance company called XXXX XXXX and i had asked why hasnt my loan amount gone down if i been having this truck sinces 2022 About to be XXXX years. Now they moved me to one called Veros Credit i asked why did they move me they say it happens. 
my concern is the loan amount hasnt got down much and another is right now i received a text message saying to remove my belongs from truck because its getting repossessed. I've never heard of a finance company that Texts people that they're gon na take the cars away. That doesnt sound legit to me. The reason i been late is because right now iam on XXXX XXXX I had my baby in XX/XX/XXXX and I told them about it I also lost XXXX family members XX/XX/XXXX and XX/XX/XXXX and ever since I was in XXXX  they've been harassing me about the payments every day calling me and everything I feel harassed now today they text me they coming for the car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am submitting this complaint because Equifax is currently not reporting a credit score for me. I have open and active credit accounts that are reported to the other credit bureaus, and I believe this may be an error or omission by Equifax. I request an investigation into why my credit score is missing and that Equifax provide a full update or explanation. Please verify all of my credit data and ensure my file is complete and accurate.

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 2025-09-27 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: Experian Information Solutions Inc.
State: IN

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 2025-09-27 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
Around XX/XX/year>, I applied for the XXXX XXXX XXXX  from capital one with a {$300.00} dollar sign up bonus and a 15 month XXXX XXXX  APR. I was awarded neither. 

I did not see any indication of these in the first bill. Was told that I had not applied for that offer. This is blatantly not true as this is the default offer currently. It was indicated to me that I had applied for the good credit instead of excellent credit. My XXXX XXXX when I applied was over XXXX. 

Capital One was unwilling to help fix the situation even though I brought it to their attention as soon as I could have.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 non-monetary relief
Consumer complaint received 2025-09-27 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
XXXX XXXX XXXX this period : XXXX New Cardmember Bonus XXXX earned XXXX XXXX XXXXXXXX XXXX Bonus Miles Congratulations! 
XXXX earned your new cardmember bonus! 

XXXX miles earned after spending promotion from the new card! It was posted in statement. 


But it NEVER is deposited into the airline account.

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