vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This account was fully paid, yet it continues to display late payment notations.

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 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: IL

Complaint narrative:
This is about my Discover Card. My payment due date was the 2nd of every month. I always paid by phone from my checking account so there's no mail delays I called on the end of XXXX and paid off the balance that was stated on the phone.My bank shows the money was received XX/XX/year> before the due date of the XXXX of XXXX. They said I had a cashback rewards of {$120.00}. I called today, XX/XX/year> to ask them to send me a check for that amount since my balance was paid off. They told me they don't send checks with your cash back rewards that I could apply it to the bill or get a gift card. They also told me I still owed {$100.00} .How could I still owe when I paid the balance off before the due date and they had the money before that date? I don't think I need that XXXX. And so I just applied my so called cash back bonus rewards so I feel totally ripped off. 
I understand that you shouldn't receive your cash back while carrying a balance but mine was paid off. I don't know where that XXXX came from I paid the exact amount that was stated on the phone. No more interest should have accumulated since that amount was paid

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Malen & Associates, p.c.
State: NY

Complaint narrative:
XX/XX/XXXX, I received a notice from Malen and associates that they were attempting to collect a debt and filed a suit in court that has now been discontinued. Not only was I not served any documents about the initial suit despite them clearly having my address, I was also denied the verification documents Ive been requesting from XXXX XXXX  for said debt for 2 years prior. This constitutes deceptive and unfair practices, depriving me of my right to due process under the 14th amendment, as well as the fair credit reporting acts 15 U.S.C. 1692e ( 2 ) ( A ), 15 U.S.C. 1692e ( 10 ), and 15 U.S.C. 1692f. Due to this deceptive and unfair litigation conduct, I request immediate removal of the account from all credit bureaus and formal investigation of these abusive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: AZ

Complaint narrative:
I am formally disputing the accuracy and validity of a Charge-Off account currently reporting on my credit file. After a thorough review of my credit report, I have found this account to be inaccurate, incomplete, and unverifiable under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Pursuant to FCRA 602 ( A ) and 611 ( 15 U.S.C. 1681i ), I am exercising my right to dispute any information that is being reported inaccurately or can not be verified. The creditor in question has failed to provide documented proof validating the alleged debt, including a signed contract or any evidence of ownership or authorization.

Under FCRA 609 ( a ) ( 1 ), I have the right to full disclosure of all information the credit bureau has on file regarding this account, and under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting inaccurate or unverifiable data to consumer reporting agencies. Continuing to report unverifiable or erroneous information constitutes willful noncompliance and a direct violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: NV

Complaint narrative:
On XX/XX/year> I was in process of looking for a new apartment and unfortunately encountered XXXX  XXXX, was toured by XXXX of their student employees and really liked the place and when was asked about when I was thinking of moving in, I specifically told her I needed a unit by the first of XXXX that same year, she said they dont normally dont get people moving in at that time but said they do have a lot of move outs around this time and would note that she should give me a early move in addendum when an available XXXX unit was ready, I was thrilled and said I would move in, the leased came in and I saw the move in was not the first of XXXX but the XXXX, so I didnt signed it at first and called them to ask if I would still be giving the early move in addendum. The worker on the line didnt understand the situation and asked if I was okay with waiting for a call back to ask her manager about the situation I said yes. Didnt get any call back so I called again in XXXX because the complex was sending me a lot of emails telling to hurry up and sign the lease to secure my unit, I was XXXX  with the thought loosing it so I called again and asked about the situation and if I can still move in on the first of XXXX, the lady on the phone said she wasnt sure but assured me that if I signed the lease that she would put on the notes of my account that I was requesting a early move in addendum for the first of XXXX and told me that everything should be fine now, so I signed it. Didnt get any early move in addendum letter on my account portal and it was already XXXX, at this point I called again and just asked to speak with the manager at this point, I explained the situation to her and she told me that unfortunately since I already signed it that I would still have to pay the lease term amount or be subject to have this be sent to collections which it did, I was trying to explain to her that her staff gave me inaccurate information and lied to me but she informed that since my signature was already in the lease that there was nothing she cant do. I have since been trying to dispute this for months with no luck, I have spoken to both the debt collector PROCOLLECT and the original creditor XXXX  XXXX, asking for accuracy and proof of documentation which they have not been provided, but XXXX  XXXX decided to change the original amount from XXXX to XXXX from what they said backfilling which further proves my disputes that the original debt is inaccurate and that the current amount lacks transparency and validation. They are both in violation of FCRA because of this since I have also sent them certified debt validation letters and Debt accuracy which they both have failed to do so.

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 2025-11-13 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, 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 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are late payment records on my credit report that I believe are incorrect. In accordance with 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, my credit file must include only information that is accurate, complete, and verifiable. I am therefore asking that these late payment entries be investigated and verified, and if they can not be substantiated, that they be promptly corrected or deleted.

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 2025-11-13 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: TN

Complaint narrative:
On XX/XX/year>, I disputed a {$3600.00} XXXX XXXX XXXX account with TransUnion. The debt was never fully validated by the furnisher, and I provided supporting documents showing incomplete verification. On XX/XX/year>, TransUnion closed the dispute as Verified as Accurate without providing documentation or describing the procedures used to verify the account. This appears to violate the Fair Credit Reporting Act 15 USC 1681i, which requires a reasonable reinvestigation and disclosure of verification methods upon request. I request that TransUnion reinvestigate and provide a written description of the verification procedures and evidence used to confirm the 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
Consumer complaint received 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
My Bank of America account was unexpectedly closed even though I have never had any fraud activity, negative balance, or disputes. When I contacted the bank, they told me the closure was related to risk decisions, but refused to provide any explanation and repeatedly said they can not disclose the reason. 

I was also told that the closure was connected to another person in my household who had a fraud claim even though I was not involved in that situation in any way. The bank refused to give any details or allow me to understand or dispute the decision. 

I believe this is an unfair and incorrect closure of my personal account, based solely on my address rather than my own banking behavior. I am requesting CFPB assistance to review this and correct any mistaken risk classification.

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THEY ARE CONTINUING TO SHOW THESE INQUIRIES ON MY CREDIT REPORT EVEN AFTER BEING NOTIFIED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I live in XXXX North Carolina on XX/XX/XXXX of XXXX  I had multiple charges of around {$5500.00}. put on my Bank of America credit card in XXXX Tennessee which is XXXX hours away. I have the only card and there are no other authorized users. Bank of America says I am responsible for these charges because someone supposedly used my card. Also I used the card in XXXX North Carolina on the same date at a XXXX XXXX  so how could I use the card the same day XXXX hours away.

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 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report lists late payment entries that I believe are incorrect. Pursuant to 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, my report must reflect only information that is accurate, complete, and verifiable. I am requesting that these late payment entries be investigated, and if they can not be verified, that they be corrected or deleted.

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 2025-11-13 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: GA

Complaint narrative:
I am extremely frustrated to see that inaccurate late payments are still appearing on my credit report this morning, and I can not understand why. The inaccurate late payments were not removed even after refreshing my browser. I need this issue resolved immediately, and I am asking that the documents I have sent be reviewed carefully so I can finally stop worrying about 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 2025-11-13 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
In XX/XX/XXXX, I was urgently contacted by OneMain Financial and told I needed to re-sign loan documents because my vehicles title had not been changed to OneMain. I was pressured to refinance and was told I could increase my loan amount since it was close to XXXX. I was rushed through signing and was not fully informed that this would be a new loan with higher interest and total payments. 

Since that refinance, I have made consistent payments totaling {$19000.00}, which already exceeds the Total of Payments ( {$19000.00} ) disclosed in my XXXX loan contract. Despite this, OneMain refuses to release my vehicle title or mark the account as paid in full. 

My vehicle ( a XXXX XXXX XXXX ) is now inoperable. It has been cited for abandoned-vehicle violations and is at risk of being towed, yet OneMain will not release the title, preventing me from moving or disposing of it. I have repeatedly requested that all collection calls stop, but I still receive multiple calls daily, often from different numbers. The calls continue even after written requests to cease, causing significant XXXX XXXX XXXX. 

I also discovered that OneMain misapplied deferments so that no principal reduction occurred during those months, increasing my cost of credit beyond the contract disclosure. Their handling of my payments and deferments appears to violate the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ), California Financial Code 22320.5, and the Rosenthal Fair Debt Collection Practices Act ( Cal. Civ. Code 1788.11 & 1788.17 ). 

I submitted a Formal Demand and Restitution Notice to OneMains Compliance Department, copied to the California DFPI and the CFPB, demanding : Immediate lien release and title delivery ( within XXXX hours ) Correction of my account to Paid in Full Refund of {$1500.00} for overpayment, misapplied interest, and add-on products Removal of all negative credit reporting Cessation of collection calls I request CFPB assistance to ensure OneMain promptly releases my title, refunds the overpaid funds, and corrects all related credit and collection issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am disputing the National Credit Systems collection for {$300.00}. Its been well over 60 days since I first sent my dispute and validation request and I have not received any documentation from the collector or any of the credit bureaus. 
Each bureau even reports this account differently : the dates of last activity and date reported are inconsistent XXXX  lists XX/XX/XXXX, XXXX  XX/XX/XXXX, and XXXX  XX/XX/XXXX Those differences alone violate FCRA 607 ( b ), 623 ( a ) ( b ) and XXXX XXXX reporting standards requiring maximum possible accuracy. 
Under the FDCPA 809 ( b ) ( 15 U.S.C. 1692g ( b ) ), you must stop collection until you validate the debt. Instead, youve continued reporting inaccurate data. I mailed my disputes certified, so claiming you never received them is false. Sending me a copy of my credit report is not validation, and stating that I have a third party working on my credit is not verification either.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit report lists late payment entries that I believe are incorrect. Pursuant to 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, my report must reflect only information that is accurate, complete, and verifiable. I am requesting that these late payment entries be investigated, and if they can not be verified, that they be corrected or deleted.

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 2025-11-13 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: DE

Complaint narrative:
I am extremely frustrated because I still see inaccurate late payments on my credit report this morning, and I have no idea why they are still there. The inaccurate late payments were not removed even after I refreshed my browser, so I urgently ask that the documents I sent be reviewed carefully so I can finally stop worrying about this.

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 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am disputing a {$25.00} late fee on my Capital One XXXX card. The payment was set up as an auto-draft with another Capital One credit card on XX/XX/XXXX. Due to a processing error, XXXX card was paid but the XXXX card was not. As soon as I noticed, I immediately made the payment through the app on XX/XX/XXXX. 

When I first called on XX/XX/XXXX, a representative confirmed no fee had posted, added notes to my account, and advised me to call back if a fee appeared. Once the fee posted, I requested a courtesy waiver based on my prompt payment, prior notes, and long-standing history of on-time payments. My request was denied, even though I acted in good faith and followed instructions. I ask the OCC to review this matter and encourage Capital One to reverse the fee.

Company response to consumer: Closed with explanation