vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 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: NC

Complaint narrative:
I am requesting that the CFPB investigate and ensure these items are corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ). 
Disputed Accounts XXXX XXXX  Account # XXXX, XX/XX/XXXX, {$1100.00} XXXX XXXX  Account # XXXX, XX/XX/XXXX, {$390.00} XXXX  Account # XXXX, XX/XX/XXXX, {$0.00} XXXX  Account # XXXX, XX/XX/XXXX, {$2200.00} Summary : The above accounts are reported inaccurately and are not supported by any verifiable documentation from the furnishers. I request that TransUnion investigate and either verify these accounts with complete documentation or delete them if they can not be verified. 

Disputed Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Summary : I did not authorize these inquiries. They were not initiated by me or connected to any credit applications I submitted. Please remove them as unauthorized hard inquiries.

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 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UPGRADE, INC.
State: FL

Complaint narrative:
My checking account with Upgrade Bank was frozen without any explanation or request for documentation. I was not notified in advance, and my funds are currently inaccessible. 

I contacted Upgrade Bank, but they have not provided a reason, timeline, or steps I need to take to resolve the issue. My money is being held without justification or communication. This has caused financial hardship and prevented me from paying bills. 

I am requesting the CFPBs assistance to : - Require Upgrade Bank to provide a written reason for the suspension, - Release my funds or give a clear timeline for resolution, - Provide me with a copy of the Deposit Account Agreement governing this action. 

Account opened with : Upgrade Bank  ( possibly backed by XXXX XXXX XXXX  or XXXX XXXX  ). 
Account freeze date : XX/XX/year> Total funds frozen : {$560.00} Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
Issue : Ignored debt validation request ; refusal to accept reasonable settlement Details : I sent a debt validation request via certified mail on XX/XX/year>. The collector never responded, which is required under the Fair Debt Collection Practices Act ( FDCPA ). 
I attempted to negotiate a settlement for the account. I offered {$100.00}, a reasonable amount considering the debt was likely purchased for pennies on the dollar. 
The collector refused the settlement offer and has insisted on full-balance payment or payment plans I can not afford. 
Their failure to respond to validation requests and refusal to negotiate a reasonable settlement violates my rights under the FDCPA and is causing stress and financial uncertainty. 

Requested Resolution : Provide proper debt validation in writing. 
Respond with the lowest total settlement amount that can be accepted as full and final payment. 
Confirm that once the account is settled, it will be marked Paid in Full and/or removed from all credit reporting agencies. 
Cease any collection attempts until the account is properly validated and a written resolution is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: FL

Complaint narrative:
This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

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 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
I called in asking if I made a payment today would it reflect immediately. The representative reassured me the XXXX times I asked that yes it would reflect IMMEDIATELY. I asked over and over again and I reiterated I needed the balance immediately because I needed to pick up a rental car because its my sons birthday and we were supposed to go to XXXX. I told him I would be using the remaining money on my debit card to process this payment and I needed to be sure that the payment would reflect immediately and even offered to pay with my debit card if that would make it process quicker. He reiterated that yes it would reflect immediately and so when he read the disclosures to confirm payment I said yes if it will show immediately in my balance please proceed. They processed the payment and then said it would take XXXX business days to see it reflect in my account. So, because of this, I lost my XXXX tickets that I paid for, I prepaid for my rental car so Im out an additional {$300.00} that I have to wait to be credited to my account and I paid {$600.00} to them to get a {$350.00} balance opened that they did not open. I spoke with a supervisor and all he said was Im sorry for the misleading information but theres nothing that we can do. This completely ruined my sons birthday and I would have NEVER processed the payment had the representative been truthful and explained that it was going to take a few days to show. It was extremely misleading just to get a payment from me. Then the representative told me he can reverse my payment and transferred me to a supervisor who told me that was also a lie. This Credit card company is a complete scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: VA

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: FL

Complaint narrative:
On XX/XX/year> hard inquiries was posted on XXXX  that I did not give consent to by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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 2025-11-04 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: AR

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-11-04 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: AR

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint against TransUnion and Online Information Services for unlawful reinsertion of a previously deleted collection account and failure to provide proper validation or written notice as required under the Fair Credit Reporting Act ( FCRA ).

The account in question was previously deleted from my TransUnion credit report, yet has now been reinserted without any written notice or certification of accuracy. This violates FCRA 611 ( a ) ( 5 ) ( B ), which clearly requires that a credit bureau : 1. Obtain certification from the furnisher that the information is complete and accurate before reinsertion, and 2. Provide the consumer with written notice of the reinsertion within five ( 5 ) business days.

I never received any such notice or certification from TransUnion. This account is listed as : Creditor : Online Information Services Reported Balance : {$86.00} Last Reported Date : XX/XX/year> In addition, TransUnion has not provided validation of the debt only verification. Under FCRA, and consistent with the Consumer Financial Protection Bureaus guidance, a consumer has the right to demand validation, meaning actual documentary proof such as : A copy of the original signed agreement or service contract, Proof of ownership or legal assignment showing Online Information Services right to collect or report this account, and A full accounting or payment history validating the accuracy of the reported balance.

Until such validation is provided, the account is unsubstantiated and should not be appearing on my consumer report. Reinserting deleted data without proper verification and certification is a willful violation of the FCRA, specifically 611 ( a ) ( 5 ) ( B ), 611 ( a ) ( 6 ) ( B ) ( iii ), 616, and 617.

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 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
regarding prior complaint with poor unsatisfactory resolution causing a cost to customer : original complaint : On XX/XX/XXXX, I requested in the Capital One Mobile app an internal transfer to payment my Capital One Quicksilver credit card with my Capital One savings account. I realized I made it for the wrong amount XXXX vs XXXX after it was paid. I called after I realized on the same day. I had not had even XXXX hours to request it be recalled, cancelled, blocked, stopped, whatever. I was told by customer service it was too late after speaking in multiple calls with the credit card team and the banking team and they referred me back and forth to each more than once ( poor service ). Spoke with XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. They said it was too late. How can that be when it is an internal payment through the app and outside of banking business hours. No consumer rights have been applied and no critical thinking to determine a solution to reverse it as it was less than an hour even when I began calling. Was on hold for too long.- received a letter in usps from Cap One dated XXXX on XXXX. Letter stated a check is being mailed to respond to my request to reverse the transaction. I don't have the check. The funds are not earning interest in my accounts nor have they paid down the credit card balance causing further interest charged. 

Requested a immediate easy reversal within the Capital One bank system. This is a way for my funds to be in limbo and I have no available usage or payment made on the account. This is further jeopardizing a transaction that is in process. I require an immediate contact from Capital One to resolve this issue immediately. This was previously requested. Instead of calling or even emailing me, they text and email me for everything else, including solicitations, they send a letter via usps and then a subsequent check in a separate mailing. It is poor and not good service. I have no reason to keep my accounts with this bank and will consider this in the future. Again, anyone can pick up the phone and this should have been the case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-04 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 disputing the following accounts with Experian for similar reasons. Please review the following accounts : XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$2700.00} Reason for Dispute : I believe this account is inaccurately reported, and the balance needs to be corrected. 

XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$380.00} Reason for Dispute : There appear to be discrepancies in the reporting of this account, and I request that it be reviewed for accuracy. 

XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$15000.00} Reason for Dispute : This account 's balance and payment history may be reported inaccurately, and I believe a correction is necessary.

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 2025-11-04 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: FL

Complaint narrative:
This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-04 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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