vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to formally dispute and document a serious issue involving a returned payment, miscommunication by Capital One representatives, and lack of notification regarding my account status. 

In XX/XX/year>, I made a balance transfer of approximately {$350.00} to pay down a closed Capital One credit card account, with a remaining balance of about {$400.00}. On or around XX/XX/year>, Capital One initiated an autopay transaction from my bank account for the remaining {$400.00}. 

Shortly after the transaction, I contacted Capital One to confirm the payment. I was told by three different representatives that the payment had been received and was non-refundable. Based on this information, I reasonably assumed that my account was paid off in full. 

However, in XX/XX/year>, I began receiving warnings that my account was delinquent and would be sent to collections due to non-payment. Upon further investigation, I was told that the XXXX autopay never went through. This directly contradicts what I was told by Capital One months earlier. 

I reviewed my bank statements and confirmed the following : The {$400.00} payment was initially withdrawn from my account. 
However, the funds were returned and quietly deposited into my savings account, which has withdrawal restrictions. 
I was never notified by Capital One or my bank that the payment had been reversed or returned. 
No formal notice was sent about this returned payment at any point. 

Because of this breakdown in communication and the misleading information I received, I was unaware of the unpaid balance and did not knowingly neglect payment. I made a good faith effort to resolve the account months ago and was assured the issue had been resolved. 






I have records from both Capital One and my bank, including transaction dates and statements, to support this timeline. Please treat this issue with urgency and provide a written response confirming next steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: DC

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: DC

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2025-07-21 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: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
I am disputing a collection account from Lockhart Morris & Montgomery reporting on my credit file. The account shows the collector as both the collection agency and original creditor. I do not recognize this debt, and I have not received a validation notice or proof of the debt. I believe this violates the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. I am requesting a full investigation and that the account be removed unless verified. 
Account balance : {$480.00} Reported date : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name of company : Lockhart Morris & Montgomery

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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 don't agree with the account listed below which still appears on my credit report even after your investigation. I would like this account immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

Furthermore, inn accordance with the Fair Credit Reporting Act, Public law 91-506, TitleVI, Section 611, Subsection A-D, please provide the nnames and business addresses of each individual with whom you verified the above so that I may follow up.

Please forward me an updated credit report after you have completed your investigation and corrections.

Your cooperation and prompt attention are greatly appreciated. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Checkr, Inc
State: OH

Complaint narrative:
XX/XX/XXXX. CHECKR ran my background for XXXX XXXX and reported a criminal report. I have since fixed this with the local court and reapplied. I am still being denied due to an inaccurate or not updated report as of XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: OH

Complaint narrative:
I am a victim of identity theft. Auto loans were fraudulently opened in my name without my knowledge or permission with XXXX XXXX XXXX and XXXX XXXX XXXX. I did not apply for, authorize, or receive any vehicle or financing from either company. Despite this, these companies reported these accounts to the credit bureaus, and in some cases, repossession entries have been added to my credit file. 

On or around XX/XX/year>, I discovered these fraudulent accounts and began disputing them with the credit reporting agenciesEquifax, Experian, and TransUnion. I also notified the companies directly, demanding verification and removal under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I submitted written disputes, including identity theft affidavits, and requested that these accounts be blocked, deleted, and no longer reported under 15 U.S.C. 1681c-2. 

Despite these efforts, the companies continue to report the accounts as valid, and no investigation results have been provided. Their failure to act is causing damage to my credit and emotional distress and violates federal identity theft protections.

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 2025-07-20 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I bought a couch on credit at the furniture store XXXX XXXX. As advertised, there was an interest free payment plan, if I signed up for their credit card through Synchrony Bank. Given all communication was electronic, I mistakingly didn't read all details of the agreement. In XXXX of 2025, my account balance was increased >~ {$2000.00} for expired promotions and interest charges. This took a balance of ~ {$2900.00} to > {$5000.00} overnight, with additional promotions expiring in XXXX. 

I am now forced to find {$5000.00} to pay this company off. I think it's next to criminal to bury details in electronic communications and not give consumers ample warning that their product is NOT an interest free payment plan. If I don't pay this company off in the next XXXX  days, I will have an even larger bill. 

What should have been advertised to me is their schedule for interest promotion expirations. They lack transparency and goodwill towards consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-21 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: PR

Complaint narrative:
PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXXXXXX XXXX Account number : XXXX -XXXX XXXX Account number : XXXX -XXXX XXXX XXXX XXXXXXXX Opened on XX/XX/year> PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : XXXX XXXX Account number : XXXX -XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Opened on XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding is on my credit report again for the same amount. I do believe that it is a duplicate because it is in the same amount of {$320.00} and it has the same account number. it was still put on my bureau without my authorization. it has reported on my credit report negatively twice and lowered my score. it should not be on my credit report. it has causes me not to be able to get what i need to get due to the score being dropped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Here is the Portfolio Recovery Credit Discrepancies Chart, designed to align with a professional dispute or court submission. It outlines each accounts issues, legal violations, and the exact corrective actions requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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:
Im writing to dispute the XXXX XXXX XXXX XXXX  account listed on my credit report. This account is being reported with multiple inaccuracies that violate the Fair Credit Reporting Act ( FCRA ), specifically 1681i and 1681s-2, and also fail to meet XXXX XXXX XXXX reporting guidelines. 

The same account shows different last activity dates XXXX XXXX across all three bureaus : - TransUnion : XX/XX/2025 - Equifax : XX/XX/2025 - Experian : XX/XX/2025 These discrepancies make it impossible to verify when the account was last active and raise concerns about data accuracy. 

Multiple months of charge-offs are being reported repeatedly from XX/XX/2025 through at least XX/XX/2025. This is a direct violation of FCRA and XXXX XXXX guidance. A charge-off is a one-time accounting event it should not be listed month after month as if it occurred repeatedly. 

Payment history is inconsistent across bureaus : - TransUnion reports no history available - Equifax shows 79 % on-time payments- Experian shows 84 % on-time payments Because of these serious and provable errors, I am requesting that you delete this account entirely from my credit report. The reporting is not only inaccurate and misleading, but legally noncompliant. 

Sincerely, 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 2025-07-20 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:
Im writing to dispute the XXXX XXXX XXXX XXXX  account listed on my credit report. This account is being reported with multiple inaccuracies that violate the Fair Credit Reporting Act ( FCRA ), specifically 1681i and 1681s-2, and also fail to meet XXXX XXXX XXXX reporting guidelines. 

The same account shows different last activity dates XXXX XXXX across all three bureaus : - TransUnion : XX/XX/2025 - Equifax : XX/XX/2025 - Experian : XX/XX/2025 These discrepancies make it impossible to verify when the account was last active and raise concerns about data accuracy. 

Multiple months of charge-offs are being reported repeatedly from XX/XX/2025 through at least XX/XX/2025. This is a direct violation of FCRA and XXXX XXXX guidance. A charge-off is a one-time accounting event it should not be listed month after month as if it occurred repeatedly. 

Payment history is inconsistent across bureaus : - TransUnion reports no history available - Equifax shows 79 % on-time payments- Experian shows 84 % on-time payments Because of these serious and provable errors, I am requesting that you delete this account entirely from my credit report. The reporting is not only inaccurate and misleading, but legally noncompliant. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX Date : XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Request for Investigation and Deletion of Unverifiable Information Under the Fair Credit Reporting Act To Whom It May Concern : This letter is a formal request made pursuant to the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) for TransUnion to conduct a complete investigation of all information contained in my credit file that can not be verified as accurate and timely. 

I am exercising my rights under the FCRA to dispute certain items in my credit file. At this time, I am not specifying which items I believe to be inaccurate ; however, I am requesting that TransUnion conduct a full reinvestigation of all data associated with my file, and delete or correct any information that is found to be unverifiable, inaccurate, incomplete, outdated, or otherwise fails to comply with federal consumer reporting requirements. 

In accordance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to complete your reinvestigation within 30 days from the date of receipt of this dispute. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), if the disputed information can not be verified, it must be promptly deleted from my credit file. 

Please mail me the results of your reinvestigation and a free updated copy of my credit report as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( ii ).

I trust TransUnion will take this request seriously and act in accordance with the law. If you fail to comply with your legal obligations, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-07-20 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 because the XXXX XXXX XXXX XXXX XXXXXXXX on my credit report is being reported as a charge-off every month for an extended period of time - especially on Experian. Also each entry has a different charge-off date ( XX/XX/year>2025 ; XX/XX/scrub> 2025 ; and XX/XX/year>2025 ). 

This is not only confusing its inaccurate and misleading. A charge-off is a one time event, not something that can be reported over and over again like it keeps happening. 

This kind of reporting goes against XXXX XXXX credit reporting guidelines and the Fair Credit Reporting Act. It also doesn't follow what the CFPB says is fair and accurate credit reporting. 

Because of this, Im asking that this XXXX account be removed from my credit report completely. 

Please investigate this within the 30 days allowed by law and send me written confirmation of the deletion, along with an updated copy of my credit report. 

Thank you for your help in this matter, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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 because the XXXX XXXX XXXX XXXX XXXXXXXX on my credit report is being reported as a charge-off every month for an extended period of time - especially on Experian. Also each entry has a different charge-off date ( XX/XX/year>2025 ; XX/XX/scrub> 2025 ; and XX/XX/year>2025 ). 

This is not only confusing its inaccurate and misleading. A charge-off is a one time event, not something that can be reported over and over again like it keeps happening. 

This kind of reporting goes against XXXX XXXX credit reporting guidelines and the Fair Credit Reporting Act. It also doesn't follow what the CFPB says is fair and accurate credit reporting. 

Because of this, Im asking that this XXXX account be removed from my credit report completely. 

Please investigate this within the 30 days allowed by law and send me written confirmation of the deletion, along with an updated copy of my credit report. 

Thank you for your help in this matter, 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 2025-07-20 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:
There is an account and four unauthorized inquiries reported on my credit file, which needs to be removed based on the letters from the actual creditors. I have contacted all of creditors listed in this complaint have gotten everything straighten out, which results in removal of the account and inquiries from my credit file. The following accounts are unauthorized : XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX, Balance : {$170000.00}. 
-Inquiry 1 : XXXX Inquiry Date : XX/XX/XXXX -Inquiry 2 : XXXX XXXX- Inquiry Date : XX/XX/XXXX -Inquiry 3 : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Inquiry 4 : XXXX- Inquiry 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 2025-07-20 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: AZ

Complaint narrative:
My name is XXXX XXXX XXXX, and I am filing this complaint against Experian, one of the three major credit reporting agencies, for repeated violations of the Fair Credit Reporting Act ( FCRA ) that have caused me financial harm and mental distress. 
Nature of Complaint : On multiple occasions, I have formally disputed several negative and inaccurate items on my Experian credit report, including : Multiple accounts from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, and XXXX XXXX, all marked as potentially negative without proper verification. 

Several hard inquiries ( from XXXX XXXX, XXXX XXXX and XXXX XXXX ) that were not authorized by me and remain on my report without my written consent or any documentation showing permissible purpose. 

Experian has failed to verify these items according to FCRA 611 and refuses to provide proper documentation under 609 ( a ) ( 1 ). Despite my direct, written disputes : They continue to report unverifiable accounts They have not provided supporting evidence They have not removed or blocked these harmful entries They have violated 604 ( a ) ( 3 ) by allowing third parties to pull my credit without proper legal basis Violations Cited : FCRA 602 ( a ) : Experian is reporting unfair and inaccurate information FCRA 604 ( a ) ( 3 ) : Inquiries were made without documented authorization FCRA 609 ( a ) ( 1 ) : Experian failed to provide complete documentation as requested FCRA 611 ( a ) : Items remain unverified and are still being reported FCRA 605B ( c ) : Experian failed to block unverifiable accounts pending deletion These accounts and inquiries are destroying my credit score and preventing me from securing fair credit opportunities.

Relief Requested : I am respectfully requesting the CFPB to : Open an investigation into Experian
s handling of my dispute ( s ) Demand deletion of all unverified and unauthorized items Enforce compliance with FCRA deadlines and documentation requirements Impose fines and penalties for Experians negligence and willful noncompliance Ensure Experian blocks all negative items until fully validated with supporting documentation

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 2025-07-20 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: MO

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XX/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