vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 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: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX, XXXX Social Security : XXXX, XXXX this complaint has been filed to request pursuant to 18 U.S. CODE & 1028A AGGRAVATE IDENTITY THEFT that you TransUnions credit report agency, block information appearing on my consumer credit report that is the resulted of identify theft and fraud within XXXX business days of you receiving this complaint. This fraudulent and inaccurate concise of name such as XXXX, XXXX, XXXX. Further, address such as XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX. Ive already sent documentations to removed all this fake address and name that appears under my credit report so now i have to new inquiries that it wasnt initiated it by me or i do not recognize them XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX XXXX accounts have resulted fraudulent hard inquiries and fraudulent items appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts and hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by 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 2025-10-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I disputed a defective item purchase with Capital One on XX/XX/year>. The case was closed and denied due to insufficient documentation despite my having submitted full documentation ( photos, merchant correspondence, and proof of return ). 

I was later told by a Capital One representative, XXXX ( employee ID XXXX ), that my documents were valid and that a credit was pending within XXXX business days. However, minutes later I received another case closed - denied letter. 

The merchant has since provided written confirmation and a screenshot showing their refund attempt was blocked due to the Capital One chargeback, and that they can not issue a refund while the chargeback flag remains in place. Capital One has not reopened my case despite repeated requests.

I am requesting that Capital One either : ( a ) Reopen the dispute under new evidence, or ( b ) Issue a manual billing adjustment for {$120.00}, given that the item was defective and returned. 

I can provide all supporting documentation, including the merchants refund block screenshot and return confirmation, upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LendingPoint Holdings LLC
State: IA

Complaint narrative:
I am disputing the balance LendingPoint claims I owe on my {$10000.00} personal loan. I have already paid well over {$9000.00}, and both XXXX own website and my XXXX XXXX report show the account as XXXX XXXX with a {$0.00} balance. 

Additionally, LendingPoint never reported any of my on-time paymentstotaling over $ XXXX the credit bureaus, which demonstrates unprofessional conduct and reflects poorly on their accounting and reporting practices. 

My Truth-in-Lending disclosure states a {$7500.00} finance charge, which represents projected lifetime interestnot a remaining balance. LendingPoint is now misrepresenting that amount as if its still owed. Their transaction ledger also includes numerous duplicate and contradictory XXXX, XXXX, and Reversal entries. 

I sent a formal dispute requesting a corrected amortization schedule and a pause on collection activity. Instead, they claimed a settlement became void but continued trying to collect. I believe their accounting and reporting practices are inaccurate and misleading. 

XXXX requesting a full investigation, written verification of the correct balance ( {$0.00} ), and cessation of any collection or credit reporting during the review. Thank you : )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
Around XX/XX/year>, Portfolio Recovery began reporting a debt on my credit report that they had never previously contacted me about and I have no knowledge of. They gave me no notice of the debt or that I had a right to dispute it before the reporting began. 

At this time, I have disputed this debt with the credit reporting agencies, resulting in XXXX  removing it but the other two have not. They are reporting this debt as a monthly payment arrangement and reporting late payments, claiming it is both an open account and a closed account, and that it is both a charge off and a collection. 

Attached are current screenshots of my credit reports from XXXX  and XXXX  and the result of my dispute with XXXX  where the reporting was deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Today, XX/XX/15. Synchrony Financial closed my XXXX credit cards I have with them. XXXX XXXX XXXX, XXXX XXXX XXXX, and CareCredit. Their reasoning for closing my accounts is information based on my XXXX  report. And it was a high risk credit closure. I made my payments on time and kept my balances low between all XXXX of my accounts. I think what Synchrony did is very unfair and unethical. And they should be held responsible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: AR

Complaint narrative:
I am submitting this letter as a formal written dispute regarding an inaccurately reported charge-off account on my TransUnion credit report. The account in question contains discrepancies, unverifiable reporting, and inconsistencies that may violate multiple provisions of the Fair Credit Reporting Act ( FCRA ). Under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information and request a reasonable reinvestigation. Additionally, under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy. Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or should know to be inaccurate. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$620.00}

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 2025-10-16 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: GA

Complaint narrative:
Im submitting this complaint regarding Trans Union for repeated and willful violation of the fair credit reporting act specifically 605B and 611 despite my having already filed a police report on XXXX XXXX. 

Under FCRA605B once a consumer submit a police report for identity theft the credit reporting agency must blocked and remove all fraudulent accounts and inquiries within four business days. The accounts included in my police report are Department of Education, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Dear Transunion This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed an FTC complaint ( XXXX XXXXXXXX ), which is attached. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. 
I am 100 % willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to ensure everything is being done to remove these fraudulent accounts from my report. Please be aware all required documentation is within this packet and has been mailed to your agency. 
I demand the following fraudulent accounts and Inquiries be DELETED from my credit report immediately. 
XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report. 
XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  I am writing to formally request the removal of an account that I believe contains misleading and false information, as outlined in the FTC filing. This account violates FDCPA Section 807. Please delete it from my credit report ; otherwise, I will consider pursuing legal action. 
Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate late payment reporting on my credit report. My XXXX  XXXX account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) with a balance of {$440.00} and my XXXX XXXX  account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) with a {$0.00} balance are being reported with late payments as of XX/XX/year>. These notations are incorrect, as all payments were made on time and both accounts are current. Reporting false delinquencies violates FCRA 623 ( a ) ( 1 ) ( A ), which requires furnishers to provide accurate information, and 611 ( a ) ( 1 ) ( A ), which obligates them to verify disputed data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate late payment reporting on my credit report. My XXXX  XXXX account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) with a balance of {$440.00} and my XXXX XXXX  account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) with a {$0.00} balance are being reported with late payments as of XX/XX/year>. These notations are incorrect, as all payments were made on time and both accounts are current. Reporting false delinquencies violates FCRA 623 ( a ) ( 1 ) ( A ), which requires furnishers to provide accurate information, and 611 ( a ) ( 1 ) ( A ), which obligates them to verify disputed data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: FL

Complaint narrative:
I am submitting this complaint regarding several unauthorized credit inquiries on my credit report. My report shows inquiries from XXXX XXXX XXXX on XX/XX/year>, and EQUIFAX MORTGAGE SERVICE, XXXX XXXX XXXX on XX/XX/year> XXXX I did not authorize any of these inquiries, nor did I apply for credit or loans with these companies. Under FCRA 604 ( a ) ( 3 ), a permissible purpose is required for any credit pull, and these inquiries lack such authorization. These unauthorized inquiries have negatively affected my credit score and violate my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: FL

Complaint narrative:
I am submitting this complaint regarding several unauthorized credit inquiries on my credit report. My report shows inquiries from XXXX XXXX XXXX on XX/XX/year>, and EQUIFAX MORTGAGE SERVICE, XXXX XXXX XXXX on XX/XX/year> XXXX I did not authorize any of these inquiries, nor did I apply for credit or loans with these companies. Under FCRA 604 ( a ) ( 3 ), a permissible purpose is required for any credit pull, and these inquiries lack such authorization. These unauthorized inquiries have negatively affected my credit score and violate my privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
Debit transactions are being posted prior to credit transactions especially XXXX. Account is not being updated on a daily basis. A check bounced the same day it was posted with the money in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: NY

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I submitted a formal dispute letter to Equifax on XX/XX/2025, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Equifax has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Equifax has therefore failed to conduct a reasonable reinvestigation as required by law. XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: FL

Complaint narrative:
In accordance with the fair credit reporting the list of accounts below has violated my federally protected consumer rights to privacy and conffidentitality under 15USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX  to be furnished relating to a consumerXXXX XXXX XXXX XXXX XXXX  HARD INQURY I looked at my experian and notice some things are incomplete and not accurate .ACCORDING to the FCRA 15 USC1681E ( b ) whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possilble accuracy and according to 15 USC 1681s-2 no information should be furnished relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 USC 1681B ( A ) ( 1 ) A person should not report any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate to believe

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Lac Courte Oreilles Financial Services II
State: OH

Complaint narrative:
I have used this company several times over the last couple of years because it was fast, easy cash. I always tried to pay it back right away but a couple of times that has been difficult. I'm fairly certain on a loan I paid back a little longer I paid about {$8000.00} for a {$3000.00} loan. Currently, I've borrowed {$3000.00}. I pay approx. {$450.00} biweekly or $ XXXX a month. My payoff balance is still {$3900.00} maybe more. Virtually none of that money goes towards the principle. My paper work says 343 % interest but I would guess even higher than that. I've tried to email but no response as of yet. They did send me an email about a month ago saying my account number changed? It's all very strange. Subsequently in the late month I have also had both of my checking accounts hacked into so I'm beginning to wonder if they are selling my information? It's all very concerning and let me tell you I have already paid these people thousands upon thousands of money over and beyond what I borrowed. This cant. Be legal, right?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submittingto respectfully dispute and request a reinvestigation of inaccurate personal information and credit inquiries currently listed on my credit report. My goal is to ensure that all information in my credit file is accurate, verifiable, and up to date. This request is made under my rights as outlined in the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: VA

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XXXX It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: CA

Complaint narrative:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information hasbeen used to apply for a card. It was really stressful and hurtful to nd out that someone took advantage of my good relationships with banks and applied for cards. I found fraudulent accounts and inquiries on my credit report. Please dispute and remove listed fraudulent credit inquiries from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation