vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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: IL

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 2025-06-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NM

Complaint narrative:
On XX/XX/XXXX, I paid my total account balance of {$520.00}, XXXX full weeks before the due date of XX/XX/XXXX. According to the company 's email response to my inquiry about additional interest and late fees, " We provide this grace period from the billing date through the due date ( at least XXXX days after the close of the billing cycle ), as long as you pay off the balance in full. '' Based on this explanation, I should not have been charged any additional interest or fees after that payment in full. However, I was charged the following ( a snapshot of my account charges from their website ) : XX/XX/XXXX PAYMENT - THANK YOU - {$12.00} XX/XX/XXXX MINIMUM INTEREST CHARGE {$2.00} XX/XX/XXXX LATE FEE {$12.00} XX/XX/XXXX MINIMUM INTEREST CHARGE {$2.00} XX/XX/XXXX LATE FEE {$5.00} XX/XX/XXXX Interest Charge on Purchases {$5.00} XX/XX/XXXX PAYMENT - THANK YOU - {$520.00} As you can see, I paid {$12.00} on XX/XX/XXXX. As of today, XX/XX/XXXX, my account is now showing a balance due of {$14.00}. 
In addition, this account was closed by Comenity on XX/XX/XXXX due to a break between XXXX and XXXX XXXX, no fault of mine, so I have not been able to make any purchases using this card since then. 
I have attached a copy of email dialogue between myself and customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: GA

Complaint narrative:
I am submitting this complaint against Equifax due to their repeated and unlawful failure to remove fraudulent and inaccurately reported accounts from my credit report despite my submission of an official FTC Identity Theft Report and all supporting documentation required by law. They also have prohibited me from disputing these accounts through their online services. 

The following accounts are being falsely reported and should have already been permanently removed : XXXX. A false collection account from XXXX XXXX XXXX, which I do not owe and never authorized. 
XXXX. XXXX fraudulent accounts listed as : XXXX XXXX XXXX XXXX ( which is improperly listed XXXX on my credit report ) All of the above accounts were opened without my knowledge or consent and are a direct result of identity theft. I have taken every legally required step to inform Equifax, including : Filing an FTC Identity Theft Report Providing a government-issued photo ID Submitting a signed Identity Theft Affidavit Sending in written disputes and supporting documentation multiple times Despite this, Equifax has violated my rights under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX Code XXXX, by refusing to properly investigate and remove this fraudulent information. Specifically, Equifax is in violation of : XXXX XXXX Code XXXX Failure to conduct a reasonable reinvestigation after receiving notice of a dispute XXXX XXXX Code XXXX Failure to block fraudulent information after receiving valid identity theft documentation XXXX XXXX Code XXXX ( b ) Failure to correct and delete inaccurate information provided by furnishers XXXX XXXX Code XXXX ( b ) Failure to maintain maximum possible accuracy of consumer information These violations have caused significant and ongoing harm to my credit standing, emotional distress, and have interfered with my ability to access fair financial opportunities. 

I am requesting that the CFPB : Investigate Equifaxs handling of this matter Compel Equifax to permanently remove : The XXXX XXXX XXXX collection account The XXXX Bank account Both instances of the XXXXXXXX XXXX account Ensure that Equifax provides written confirmation of these removals Equifaxs continued negligence entitles me to remedies under XXXX XXXX Code XXXX and XXXX, which provide for damages in cases of willful and negligent noncompliance. 

Thank you for your attention to this serious matter. I am requesting a prompt investigation and resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: Carvana Group, LLC
State: NY

Complaint narrative:
Dear [ Credit Bureau Name ], I am writing to dispute the following item ( s ) on my credit report. I have reviewed my credit report and found inaccurate information that I request be corrected or removed under the Fair Credit Reporting Act.

The item ( s ) I am disputing are listed below : Disputed Item : [ Creditor or Account Name ] Account Number : [ Account Number ] Reason for Dispute : [ Example : This account does not belong to me/ The payment status is incorrect/ This account was paid in full/ I never made a late payment, etc. ] Please find attached copies of documents supporting my position ( e.g., payment records, account statements, letters from the creditor ). I am requesting that this information be investigated and corrected or removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My Capital One credit card was restricted due to missed payments during a period of financial hardship. I accept full responsibility for that. 

As of XX/XX/year>, I have paid the entire balance in full, and the account now reflects a {$0.00} balance. I contacted Capital One to request that the account be reinstated so I can continue using it responsibly. 

However, I was told the account would remain restricted with no clear path to reinstatement, even after being paid off in full. I believe this is unreasonable, especially since Ive corrected the issue and shown good faith. 

Im requesting that Capital One lift the restriction or convert the account into an active, usable product. The account has a {$15000.00} limit, and Id like to preserve my available credit, positive history, and move forward in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint in response to Experians ongoing publication of inaccurate personal information on my credit file, specifically related to my address history. Experian is currently reporting an incorrect current address and a misrepresented previous address, both of which need to be corrected immediately. 

My only and current address is XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX. Despite this, Experian is currently listing XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX as my current address with a reported date of XX/XX/XXXX. This is not and has never been my address, and I did not provide it on any application or authorize it to be associated with my credit profile. 

Additionally, Experian is mislabeling my correct current address XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX as a previous address, formatted as XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX, with a reported date of XX/XX/XXXX. This address is not a former residence ; it is my only legal and current address. XXXX it as previous creates confusion and misrepresents my actual living situation to lenders and other entities that rely on my Experian credit report. 

I am not alleging identity theft, and I do not consent to the placement of a fraud alert. These inaccuracies are the result of poor verification procedures or careless data reporting, and they have already created issues in my ability to confirm my identity in various credit-related processes. 

Experian is required under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), to maintain information on my credit report with maximum possible accuracy. Experian is also obligated under 15 U.S.C. 1681i to reinvestigate and correct any disputed information that can not be verified. To date, I have not received any documentation from Experian proving that the incorrect address at XXXX XXXX XXXX XXXX XXXX XXXX was ever legitimately associated with me, nor any justification for misclassifying my current address as previous.

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 2025-06-26 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:
This is my fourth request for details of the procedure you followed when investigating.I sent you a several request for these accounts that I found fraudulent, but you didn\'t look into them all. You know, I researched the legislation and my consumer rights, and the Fair Credit Reporting Act states that a consumer has the right to ask for an explanation of the process used to determine the accuracy and completeness of disputed information. Additionally, it specifies that the credit bureau must respond to the consumer\ 's request for a report of such investigations within 15 days. Where is it? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Request for Debt Validation To Whom It May Concern, I am writing in response to a [ letter/phone call ] received on [ insert date ] regarding an alleged debt. Please be advised that I am requesting validation of this debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide me with the following : 1. The name and address of the original creditor. 
2. The amount of the alleged debt, including a breakdown of any interest, fees, or other charges.

3. Proof that I am legally obligated to pay the debt, such as a copy of the signed agreement.

4. Documentation that your agency is legally authorized to collect this debt in my state. 

I request that all communication be in writing. Furthermore, until this debt is validated, you must cease all collection activities, including reporting this debt to any credit reporting agencies. 

Please consider this a formal dispute of the alleged debt. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$100.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$750.00} INQUIRIES : XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Companies involved : Equifax, Transunion, Experian NOTICE TO PRINCIPAL IS NOTICE TO AGENT ; NOTICE TO AGENT IS NOTICE TO PRINCIPAL I have tried several times to retrieve all 3 of my credit reports. I have tried online and through the phone. The issue I keep running into is that while I fill out all of the information online I still do not get my credit reports. The pages always go blank and I am not able to view or download my reports. This is keeping me from accessing important personal information. I would like each company to send me a full credit report by email and by US mail.

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Companies involved : Equifax, Transunion, Experian NOTICE TO PRINCIPAL IS NOTICE TO AGENT ; NOTICE TO AGENT IS NOTICE TO PRINCIPAL I have tried several times to retrieve all 3 of my credit reports. I have tried online and through the phone. The issue I keep running into is that while I fill out all of the information online I still do not get my credit reports. The pages always go blank and I am not able to view or download my reports. This is keeping me from accessing important personal information. I would like each company to send me a full credit report by email and by US mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX - XXXX ] Account Number : [ 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 2025-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: MO

Complaint narrative:
I opened the account that was a secured card and gave my deposit. The bank returned my payment twice because they thought it was fraud I had contacted the credit card company about this each time it had happened to make sure nothing would happen. Once my full payment had gone threw the closed the account and are know telling me that I can't have my deposit back tell it goes threw two billing cycles even though nothing is owed on the account and the account is no longer open and can't be used. I have talked with them multiple times trying to resolve the issues but have gotten nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a XXXX of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: FL

Complaint narrative:
I am disputing an Equifax-reported collection account from XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX  ) for {$18000.00}, which is still reported as open and active. 

However, my official XXXX report from XXXX shows that this same account was closed as of XX/XX/year>, with updated pay status and dispute notation under FCRA. 

Equifax has failed to ensure that this accounts information is accurate, up to date, and consistent across all credit bureaus, violating FCRA 607 ( b ) and Metro 2 reporting guidelines. These require data furnishers and CRAs to maintain uniform reporting standards, especially when a material change such as account closure is verified by another national CRA.

This discrepancy unfairly harms my creditworthiness and score and suggests a failure in proper data validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: Nelnet, Inc.
State: CA

Complaint narrative:
I submitted a written dispute to XXXX XXXX XXXX XXXX on XX/XX/year>, with full supporting documentation. The 30-day deadline passed on XX/XX/XXXX, and the agency failed to correct or respond meaningfully. 

XXXX  failed to remove a Department of Education collection account that exceeds FCRA reporting limits and has not been validated. 

XXXX responded with a duplicate copy of my report but did not address or complete the dispute. 

I am requesting full removal of the inaccurate or unverified information per FCRA 611 and 605 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I was misled by a company called XXXX XXXX XXXX that advertised I would be paid to play a XXXX game. This was on XX/XX/XXXX ( in two amounts.1. {$15.00} & 2. {$25.00} ) at that time I also deleted my account with them from my phone. Instead, they charged me through PayPal without my informed consent. I never received or agreed to any billing agreement from this company. After the charge, I contacted PayPal, who confirmed the automatic payment was canceled but a second charge was still processed ( XX/XX/XXXX, again 1 {$15.00} & 2. {$25.00} ), and my bank account was overdrawn. I submitted documentation to PayPal, including proof of cancellation and transaction details, but they denied my claim and closed the case ( XX/XX/XXXX ) without offering a fair appeal. Now Im left with a negative balance of - {$40.00} on my PayPal account for a transaction I did not knowingly authorize.

Company response to consumer: Closed with explanation