vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 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: CA

Complaint narrative:
I need to clearly state that this complaint is not a mistake. Multiple accounts on my credit report are being reported inaccurately and are not maintained with the maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). These errors have continued to appear despite my efforts to address them and have caused ongoing harm to my credit profile and personal well-being. The continued reporting of inaccurate information is unacceptable and has had a negative impact on my financial stability during an already difficult time.

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am disputing accounts on my credit report that I did not open and am not associated with. I am requesting that these accounts be removed.

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 2025-12-22 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:
I am submitting this complaint against the credit reporting agencies regarding their failure to comply with the Fair Credit Reporting Act ( FCRA ) in connection with the following account : Account Name : Portfolio Recovery Associates Account Number : XXXX * * * * Balance : {$1000.00} I have submitted multiple disputes regarding this account, identifying inaccuracies, inconsistencies, and improper re-reporting. Despite these disputes, the credit bureaus failed to conduct a reasonable investigation as required under FCRA 611 ( a ) ( 1 ) ( A ) and continued to report the account without correcting or substantiating the disputed information. 

Furthermore, this account has been removed and subsequently reinserted without proper certification of accuracy or the required written notice to me, in direct violation of FCRA 611 ( a ) ( 5 ). This pattern demonstrates a failure to maintain reasonable procedures to assure maximum possible accuracy, as required under FCRA 607 ( b ).

By continuing to report this account without proper verification and disregarding valid disputes, the credit bureaus are enabling abusive and misleading reporting practices that conflict with the FCRA and undermine the consumer protections reinforced under Regulation F. 

As a Florida consumer, I believe these actions also constitute unfair and deceptive practices under the Florida Deceptive and Unfair Trade Practices Act ( XXXX ). 

I respectfully request that the CFPB investigate the credit reporting agencies handling of this account and require immediate correction or permanent removal if the information can not be fully verified. I am pursuing resolution through all available legal and regulatory channels until this matter is fully resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
eBay Mastercard is REFUSING to allow me to re-dispute a charge on my account ( for {$130.00} ). Their pathetic and hapless customer support is blatantly and maliciously lying to me when asked why I can not file a re-dispute. They claim to say that there already is an active dispute yet when signing into my account, this is clearly false and I am still being charged unfairly. 

I am unable to outright re-dispute on the website, forcing me to deal with " support '' either by chat or phone and worse, even at the " supervisor '' level, these clowns are all outsourced and speak broken XXXX. They have no sense of professionalism, no sense of accountability, and no sense of helpfulness AT ALL!!!! 

I feel like I am backed into a wall. XXXX XXXX XXXX  OWN website says that I am recommended " to include documentation that shows the correct amount and purchase details, such as a sales receipt or invoice, emails or screenshots of confirmation pages, and correspondence with the merchant, '' which I DID the XXXX  time. 

The XXXX  attempt, which I have more to show, I can't EVEN do because the card REFUSES to let me to re-dispute!!! I am essentially forced to pay the entire amount I am disputing to avoid a " late fee. '' TOTAL 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 2025-12-22 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: KEYCORP
State: IL

Complaint narrative:
I got a letter from Key Bank regarding my pre paid card that was issued out during XXXX. They stated in the letter that I will be getting charged {$10.00} per month for inactivity. I have not used that card for over XXXX  years. I tried calling the number on the letter, was on hold for XXXX hours nobody ever picked up the phone. Called their regular customer service line, a representative answered within XXXX minutes. I asked them to close out my card/account, they said that they are unable to do so because I must speak with the correct department. I called the XXXX department, was on hold for XXXX hours and nobody answers the phone. There is no way for me to de activate or delete my card online. Please stop this abuse from this financial intuition. I asked the representative to pass my information to the right department so they can contact me ; they said that's not possible. I have no way of reaching these people as they will not answer their phones. HELP!!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my creditreport.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: NC

Complaint narrative:
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 2025-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Netspend Corporation
State: CA

Complaint narrative:
I have an account with netspend that was closed a while back. My account was closed due to a dispute I made about XXXX XXXX which made my account into a negative balance of XXXX dollars. I recently received an email from XXXX XXXX about some transactions from my card that was used to transfer money to XXXX XXXX which is my netspend card. They want my bank statements because some transactions on my account were made twice through the months on XX/XX/year> and XX/XX/year>. I contacted netspend to ask them for my bank statements and was told that they could not send them to me due to my account being closed. I must add my account was closed due to XXXX XXXX transactions in which I disputed and now XXXX XXXX is saying that these disputes were actually correct so my account was closed for no reason and I dont feel as if it was properly disputed. The account number for the netspend account is XXXX. I am making a compliant once again about me trying to get access to my bank statements from netspend and them denying me access to my statements. XXXX XXXX says I have XXXX days to send them my statements so that I can get my account corrected and get the money I am owed back to my account on XXXX XXXX. Thank you for reading My new phone number is 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 2025-12-22 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 need to clearly state that this complaint is not a mistake. Multiple accounts on my credit report are being reported inaccurately and are not maintained with the maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). These errors have continued to appear despite my efforts to address them and have caused ongoing harm to my credit profile and personal well-being. The continued reporting of inaccurate information is unacceptable and has had a negative impact on my financial stability during an already difficult time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: RI

Complaint narrative:
Dispute of Late Payment Reporting XXXX XXXX  Account No. XXXX To Whom It May Concern, I am writing to formally dispute the reporting of a late payment on the above-referenced account. This dispute is made pursuant to the Truth in Lending Act, specifically 15 U.S. Code 1666b - Timing of Payments.

Under 15 U.S.C. 1666b ( a ), a creditor may not treat a payment as late if it is received by the creditor on or before the due date at the location designated by the creditor for receipt of payments.

My payment for the billing cycle in question was submitted in accordance with the terms provided by your company and was received on or before the due date. 
Despite this, your company has reported the payment as late, which constitutes inaccurate reporting and a violation of federal law. Any adverse reporting based on this error is improper and must be corrected. 
Accordingly, I request that you : 1. Conduct a reasonable investigation into this matter ; 2. Correct or remove the late payment notation from my account records ; and 3. Update all consumer reporting agencies to which you have furnished this inaccurate information.

Please provide written confirmation once the correction has been made. If you are unable to substantiate that the payment was late under 15 U.S.C. 1666b, continued reporting of this derogatory information may subject your company to liability under applicable federal law. 
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 non-monetary relief
Consumer complaint received 2025-12-22 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: RI

Complaint narrative:
Dispute of Late Payment Reporting -XXXX XXXX Account No. XXXX To Whom It May Concern, I am writing to formally dispute the reporting of a late payment on the above-referenced account. This dispute is made pursuant to the Truth in Lending Act, specifically 15 U.S. Code 1666b - Timing of Payments.

Under 15 U.S.C. 1666b ( a ), a creditor may not treat a payment as late if it is received by the creditor on or before the due date at the location designated by the creditor for receipt of payments.

My payment for the billing cycle in question was submitted in accordance with the terms provided by your company and was received on or before the due date. 
Despite this, your company has reported the payment as late, which constitutes inaccurate reporting and a violation of federal law. Any adverse reporting based on this error is improper and must be corrected. 
Accordingly, I request that you : 1. Conduct a reasonable investigation into this matter ; 2. Correct or remove the late payment notation from my account records ; and 3. Update all consumer reporting agencies to which you have furnished this inaccurate information.

Please provide written confirmation once the correction has been made. If you are unable to substantiate that the payment was late under 15 U.S.C. 1666b, continued reporting of this derogatory information may subject your company to liability under applicable federal law. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
At the end of XX/XX/XXXX, I requested a new AAA card from Comenity Capital Bank aka Bread Financial as I misplaced the card. I never received a new card. As i used a store credit card from the same bank in early XXXX that was declined I discovered XXXX left a message on line regarding fraud was suspected. There were no charges on the card that were fraudulent and all charges were paid. I called the company several times regarding these accounts and the status. I was told that the new credit card was returned but was not told why it was returned and then another person told me that it was not because the credit card was not returned but it was activated. I have been living at my current address since XXXX. I was told to send them a copy of my driver 's license and a bank statement as I did not have a utility bill in my name as I am married which I sent them on XXXX XXXX, XXXX by email. I received a letter in the mail Monday XX/XX/XXXX stating the account was closed due to incomplete or missing documentation but when I called the company could not give me any specific information about what was incomplete or missing and could not tell me why no one contacted me regarding the information. 

This company is very unhelpful and evasive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: MI

Complaint narrative:
I got behind, so I made an agreement and fulfilled my obligation. The following month I made a payment above the minimum amount, on time. Then they charged me with a late fee, with the interest charge, that exceeded my balance, and I was charged another fee,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-22 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: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX & TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish 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.

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 2025-12-22 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: WV

Complaint narrative:
Some inquiries in my credit report that i didnt recognized. 
* TransUnion : XXXXXXXX XXXX ( finance ) ( XX/XX/XXXX ) -XXXX XXXX ( Bank ) ( XX/XX/XXXX ) * EQUIFAX : XXXX XXXX XXXX XXXX  XXXX ( XXXX XXXX ) -XXXXXXXX XXXX ( XX/XX/XXXX ) -XXXX XXXX XXXX  ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my creditreport.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: FL

Complaint narrative:
Starting on XX/XX/year> : XXXX. I reached out to XXXX XXXX XXXX to dispute debt that was not mine, as listed by FL XXXX XXXX XXXX XXXX MD. They could not validate the debt, but insisted I paid it regardless. Clearly fraud/identity fraud. Called original clinic, they confirmed I was NEVER a patient + that they do not use this collection agency. 

XXXX. I escalated with The Pa Office of Attorney General who began investigating this company for fraud as they received other similar complaints. 

XXXX. I disputed with Equifax. They could not validate fake debt, it was closed. 

XXXX. A year later, they have resold the fake collection account to National Recovery Agency, and am now being harassed with calls again for a debt that is not mine and that they can not prove. Which they were provided written notice of! 

XXXX. I also contacted the original creditor and they said I was never a client of theirs, and nor is either of these companies XXXX of their collection agencies!! 

I will be escalating with a law firm for harassment and damages. Wasting my time and that of many others with fraud. This is * not * an accident, they have made up a false debt to collect and harass many individuals.

Company response to consumer: Closed with explanation