vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 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: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
I have submitted a dispute to XXXX  multiple times and they seem to ignore the issue. The last submittal was XX/XX/year>. 
There is a duplicate collection on my report. I want to payoff the debt but I will not pay until the duplicate is removed. I got a letter from XXXX  all they did was update information about me. Deleted inaccurate personal information but NOT the duplicate charge. I also spoke to a customer service person from Transunion, she understood what I was asking and said she would submit a report. Nothing seems to have come of that. The dispute is {$420.00} in collections, but it is on there twice. Once with XXXX XXXX and the other is Comenity. I will be filling another complaint about these two agencies as I have called to remedy this and they will not until XXXX payoff the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal 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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax falsely stated that I did not provide identity verification. I sent certified letters with my full ID, proof of address, and name change documentation on XX/XX/year>. They ignored my dispute and provided no evidence of verification. This violates FCRA 611 ( a ) ( 1 ) ( A ). I am requesting CFPB intervention to reopen my case and require Equifax to complete a lawful reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a Capital One credit card with a {$300.00} limit. My payment is {$25.00} monthly. My payments are due on the XXXX of the month. A few months I was a little later paying than the XXXX of the month. My mother was in XXXX  in a critical state and she was in the hospital several months in which I stayed with her every night at the hospital. Needless to say, with the critical situation with my mother paying my bill on the XXXX slipped my mind, however, I paid a few days later or several days later XXXX. I was never 30 days late. The company does not give any type of grace period the my automatically charge you a {$40.00} late fee if not received on the XXXX of the month. I contacted the company informing them of the situation but yet the refused to waive the {$40.00} late fees accept for XXXX. They even charged me a {$25.00}. XXXX late fee. I have not missed a payment & I pay on the XXXX but because I did did not pay their late fee, they keep adding late fees and reporting me as late payments to the credit bureaus when I pay on time monthly. They are saying my bill is not {$25.00} but it has always been that until they added all of the {$40.00} fees. I can show where my bill has always been XXXX XXXX  monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
For the past few years, I have been trying to get Capital One to close a fraudulent account opened in my name by an unknown person who stole my identity, to remove that information from all credit reports, to stop attempting to make me pay debt from this fraudulent account, and finally the original application so I can provide it to the police. They will not help me over the phone because I will not give them my social security number due to the identity theft, and I do not have the credit card number because I never opened this account. When I tell them I have an account number pieced together from my credit reports, they say it has to be the credit card number, not the account number. I have sent several letters and my police report regarding this account/identity theft to them. I received back the certified receipts of these letters, but they have never actually responded to me. I will include these letters, my FTC Identity Theft report, and the police report as documents for this complaint. Instead, Capital One has sent debt XXXX after me and somehow got this fraudulent account put back on my credit reports, which had been removed due to the identity theft/police report I provided to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is a formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding multiple unauthorized hard inquiries appearing on my Experian credit file. Upon review, I found several entries that I did not approve, initiate, or authorize. The specific inquiries in question are : XXXX XX/XX/XXXX XXXX Card XX/XX/XXXX XXXX Card XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I have no relationship or credit application history with any of these entities. These inquiries were made without my consent, and thus lack a permissible purpose under 15 U.S.C. 1681b, which strictly prohibits any person or company from accessing a consumers credit report without lawful authorization.

Because I never initiated any transaction or application that would justify these pulls, their appearance constitutes a violation of FCRA 607 ( b ) ( requiring maximum accuracy ) and 611 ( a ) ( requiring deletion of unverifiable data ). These unauthorized entries also breach Metro 2 compliance standards, which require all data furnishers and consumer reporting agencies to maintain verifiable, permission-based records.

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 2025-11-05 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: IL

Complaint narrative:
I am filing a complaint regarding Experians failure to maintain accurate and verifiable information under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX ( Acct. No. XXXXXXXX XXXX XXXX XXXX XXXX  * is listed as a charge-off with a balance greater than the original loan and continues to be updated in XXXX even though the last payment was made in XX/XX/XXXX. This constitutes re-aging and violates FCRA XXXX ( b ) and XXXX ( a ) ( XXXX ). 

XXXX ( Acct. No. XXXXXXXX XXXX XXXX XXXX XXXX  * and XXXX ( Acct. No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  show conflicting data compared to other bureaus and lack original verification. 

Multiple XXXX and Department of Education tradelines appear duplicated, inflating my reported student loan balance. 

Experian also lists unverifiable telecom and insurance self-reported accounts without lender identifiers or payment histories.

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 2025-11-05 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: AZ

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 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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: DC

Complaint narrative:
I am disputing XXXX XXXX XXXX inaccurate reporting of my auto loan account # XXXX. 

Credit Acceptances own correspondence ( dated XX/XX/XXXX, and XX/XX/XXXX ) shows that the final payment on my contract was due XX/XX/XXXX, but they continue to report the account as open and XXXX days past due into XXXX. This contradicts their own contract and violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 and 1681i ) and Metro-2 reporting standards. 

They also claim no payments since XX/XX/XXXX but have not provided the Date of First Delinquency ( DOFD ) they are furnishing to the credit bureaus. I am requesting that they correct or delete the inaccurate tradeline and confirm the actual DOFD they are reporting. 

I have attached my evidence, including Credit Acceptances response packet, my contract showing the maturity date, and a video explaining what happened.

I am requesting that CFPB review this matter and ensure Credit Acceptance updates or deletes this tradeline according to FCRA and Regulation V.

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 2025-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I accepted a payment from a friend who was helping me pay my rent. Upon accepting the payment PayPal requested an upload of my id, bank statement, and proof of residence which I provided. After a review of the documents, and with holding the monies in my PayPal balance and not returning them, permanently closed my account stating that my account was linked up to another PayPal account that had some unresolved issues. The only account that was linked was my landlords because I was trying to put my rent money into his PayPal account. PayPal won't return my money for 120 days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: FL

Complaint narrative:
XXXX XXXX XXXX Account Type : Unsecured Loan Status : Charged Off / Closed Remarks : Consumer disputes this account information ; charged off account Issue : This account continues to report as derogatory despite being disputed and closed. It contains inconsistent payment and closure information. Please re-investigate and delete if unverifiable.

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 2025-11-05 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:
XXXX XXXX XXXX Account Type : Unsecured Loan Status : Charged Off / Closed Remarks : Consumer disputes this account information ; charged off account Issue : This account continues to report as derogatory despite being disputed and closed. It contains inconsistent payment and closure information. Please re-investigate and delete if unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: CA

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section XXXX, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX CARD # XXXX XX/XX/XXXX -- {$20000.00} XXXX CARD # XXXX XX/XX/XXXX -- {$17000.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XX/XX/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 2025-11-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I respectfully request to have this collection account removed from my credit report, which is the result of identity theft. I did not open or authorize this account, and I am not responsible for any debts associated with it. 

I dispute this debt with Credence Resource Management / Account XXXX / $ XXXX opened on XX/XX/year>, I am not liable for it, as there is no signed contract between myself and Credence Resource Management XXXX T Mobile, they have not provided the original agreement as requested. 

I requested removal of debt and it was not removed on XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: American Heritage Lending, LLC
State: GA

Complaint narrative:
This a new complaint to go along with my previous complaint to clarify thats the right company I spoke with Michael.Ammann who seemed disgusted at the very sound of my voice in requesting a full audit to ensure me and my family was treated fairly with no XXXX intent the fact the company lied on record when I notified theme I would be putting a complaint on theme

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Oliphant United, Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting a very large alleged debt of {$17000.00}. This company has : Failed to provide validation Refused to send supporting documents Continued to report and attempt collection This violates : FDCPA 805 ( c ) ( cease collection until validation ) FCRA 623 ( a ) ( must not report unverifiable info ) I request : 1. Immediate validation with supporting documents and original signed agreement.

2. Removal of the account if they can not validate in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-11-05 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: TX

Complaint narrative:
The personal information listed on my credit report is inaccurate and includes addresses that do not belong to me. I am providing the necessary documents as proof, and I am requesting that these incorrect addresses be removed immediately to ensure my report reflects only accurate and current information.

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 2025-11-05 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: TX

Complaint narrative:
The personal information listed on my credit report is inaccurate and includes addresses that do not belong to me. I am providing the necessary documents as proof, and I am requesting that these incorrect addresses be removed immediately to ensure my report reflects only accurate and current information.

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 2025-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My Transunion credit report shows an inquiry on XX/XX/XXXX that was not authorized by XXXX. The request was for XXXX credit card for which I did not apply. Further, the account was requested under the name XXXX XXXX ( which is a name I have not used to open new accounts since XX/XX/XXXX ( due to a legal name change ).

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 2025-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I did not authorize this inquiry and I did not speak with this lender on the date indicated. Accordingly, I respectfully request that you remove this inquiry from my credit report as soon as possible.

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 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST PORTFOLIO SERVICING INC
State: NJ

Complaint narrative:
There are assailants using each of my credit cards. They have the same phone number at a different wireless provider. Or they are spoofing my phone number. I have several credits. The only representatives that I hear on the phone are XXXX, XXXX, XXXX and other XXXX. And I hear the same voices on the phone. These people, XXXX XXXX XXXXXXXX are committing acts that are against the law. I believe that they were hacking and heating my mothers phone.She eventually was XXXX. I have a pending case. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had {$60.00} available at Total and, then, out of no where, {$41.00} was transferred to a stranger.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Absolute Resolutions Corp.
State: SC

Complaint narrative:
The debt collector absolute resolution investors out of Minnesota is attempting to collect the debt for me the plaintiff that lives in South Carolina XXXX XXXX XXXX  South Carolina the debt collector have been time barred. Statute of limitation is 3 years in the beginning of this debt collector was XX/XX/year> clearly the statue of limitation has passed

Company response to consumer: Closed with explanation