vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Penn Credit Corporation

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX, phone number from XXXX XXXX, XXXX XXXX XXXX XXXX, used Deceptive tactics and didn't confirm who she was with, until I stated my name, She abused her authority and never sent validation requesting that I pay IMMEDIATELY ALL AMOUNT IF {$500.00}. from XXXX XXXX. 
I gave her my card number, to pay XXXX a month for XXXX  months, but will refuse to pay, as this XXXX.abused my cfpb rights at work. At XXXX p.m. 
I called her supervisor and told her I will meet her in court. As I intend to counter sue XXXX XXXX  in court for. NOT, sending proof of validation. A chain of title of said debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I entered a payment program proposal with capital one for my quicksilver one credit card after reaching out to them, were we agreed on a monthly payment of {$48.00} XXXX then recieved a letter dated on XX/XX/XXXX underlining details of such agreement, it states it XXXX take up to XXXX  days, it also states that once the XXXX of 7.4 % is reflected on my statment to begin making {$48.00} dollar payment, yet in the statements I keep recieving the request minimum payment due is for the full amount of {$590.00}. Last month I called to clarify this and they requested a payment of {$83.00} dollars to avoid my account going into delinquency, while causing alot of finanicial distress and anxiety that capital one might charge off my card if I dont pay the XXXX dollars they demand so I wnet ahead and paid them. I asked for clarification on why the new minimum payment hasnt been reflected as the agreement of the program states, the representative replied that it takes 1 to 2 billing cycles. This week I recieved my most recent billing statement and it still requests the full minimum payment amount of XXXX while having the new apr of 7.4 % yet they have failed to update the new minimum payment we agreed on of {$48.00}. I believe Capital one is acting in bad faith to our agreement when it comes to the minimum payment we both agreed upon in the payment program, and to get me to fail the minimum payment so they can be able to just charge off the account, because, as they state in the letter they sent me " your account will be subject to charge off at any level of delinquency '', Therefore I would like to file a formal complaint on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-08-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Uprova Credit, LLC
State: NV

Complaint narrative:
On XX/XX/year>, I took out a payday loan from Uprova for {$1200.00}. 
Between XX/XX/year>, and XX/XX/year>, I made ten scheduled payments of {$320.00} each, totaling {$3200.00}. 

In total, I have already paid $ XXXXnearly three times the original loan amountyet Uprova has informed me that I still have a remaining balance. 

I have attempted to resolve this matter by requesting a written or email-based payoff settlement, but Uprova has refused to communicate through email or provide a clear payoff amount. They insist on using phone-only communication. 

Due to the nature of my federal job at a remote desert security site, I am often unable to make or receive phone calls during business hours. Written or email communication is the only practical and secure method for me to discuss account matters, and it also ensures a documented record. 

I am willing to pay a reasonable amount to settle the loan in full immediately, but the company has not been cooperative in providing a fair and transparent payoff figure. 

I believe the remaining balance includes excessive or unexpected fees and interest, and I am requesting CFPBs assistance to obtain a fair payoff amount and to require that settlement communications be conducted in writing. 

Uploaded documents include : My full payment history showing that I have paid far more than the original loan amount of {$1200.00}, yet Uprova continues to claim a remaining balance. 
Email correspondence where I repeatedly requested a written payoff or settlement amount due to my federal jobs restricted phone access, but Uprova refused to provide written terms and insisted on phone-only negotiation. 
These demonstrate my good-faith efforts and the companys refusal to accommodate reasonable communication needs.

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 2025-08-14 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: PA

Complaint narrative:
I am the victim of identity theft. The following accounts were fraudulently opened in my name without my authorization and are being reported on my credit file in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2.

I have never applied for, opened, or used these accounts. I have provided the credit bureaus with a police/FTC Identity Theft Report and requested removal under FCRA 605B. Despite my dispute, the accounts remain, and the furnishers have failed to comply with Metro 2 reporting standards and the FCRA by continuing to report inaccurate and unverifiable 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 2025-08-14 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I believe there are collection accounts on my credit report that contain incorrect information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a fully accurate credit report. I request that these entries be reviewed, and if they can not be verified as accurate, they must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-08-14 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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:
I am submitting this formal complaint to the Consumer Financial Protection Bureau regarding multiple inaccuracies, unauthorized items, and reporting violations on my consumer credit report. These items are causing significant harm to my creditworthiness, financial opportunities, and overall reputation. I am requesting a thorough investigation, deletion of all inaccurate data, and immediate compliance with the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other applicable laws. The credit bureaus and furnishers are legally obligated to ensure the maximum possible accuracy of the information they report, yet these items remain despite prior disputes and clear evidence of inaccuracy, non-verification, or improper reporting. Below I am listing each disputed item with specific legal violations and supporting explanation for removal. 
ACCOUNT XXXX XXXX XXXX XXXX  High Balance {$870.00} Date Opened XX/XX/year> Late Payment * * Law : FCRA 607 ( b ), 611 ( a ), 15 U.S.C. 1681s-2 You must maintain maximum possible accuracy and can not continue reporting unverifiable derogatory information Issue : Late payment reporting is inaccurate and unsupported by verifiable payment history from the original creditor Story : I have requested proof of alleged late payments including billing statements and payment histories, none have been provided, this accounts payment history is misreported and harmful to my creditworthiness, I demand deletion or correction to Paid as Agreed I am demanding the immediate deletion of all inaccurate addresses, unverifiable accounts, and unauthorized inquiries listed above. The credit bureaus and furnishers have failed to provide proper documentation despite their legal obligations under FCRA and FDCPA. If they can not produce original signed contracts, complete payment records, or proof of permissible purpose for each inquiry, these items must be deleted. These inaccuracies are causing me severe harm, including denial of credit, higher interest rates, and reputational damage. I request the CFPB to take enforcement action to ensure compliance and hold the reporting agencies and furnishers accountable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-08-14 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Services Group, Inc. d/b/a ConServe
State: MS

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that CONSERVE absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 

Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the CFPBs Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 

The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. 
Please delete immediately from the three credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
To Whom It May Concern : I am filing a complaint against XXXX XXXX XXXX and its financing partner Concora Credit for deceptive and unfair business practices related to my store credit card account. 

Summary of Issue : In XX/XX/XXXX and XXXX XXXX, I purchased furniture totaling {$3100.00} using the XXXXXXXX XXXX XXXX credit card, which offered special promotional financing with a deferred interest period. 

I enrolled in autopay to ensure on-time payments. 

Without any SMS, phone call, or proactive email notification, my promotional financing expired, triggering retroactive interest at 34.9 % APR, resulting in an immediate {$710.00} interest charge in XX/XX/XXXX, followed by ongoing monthly interest. 

Between XX/XX/XXXX and XX/XX/XXXX, I have been charged {$1200.00} in interest and {$120.00} in fees, totaling {$1300.00} in extra charges over 42 % more than the original furniture price. 

The card issuers technology limitations prevented me from linking the account to widely used finance tracking tools ( XXXX XXXX, XXXX, etc. ), making real-time monitoring impossible. 

This lack of transparency and absence of clear reminders constitutes an unfair surprise billing practice and violates the reasonable expectations of a consumer acting in good faith. 

Why This is Deceptive or Unfair : Promotional expiration dates were buried deep in paper statements without proactive notice. 

No SMS, call, or email alert was provided despite the severity of the financial impact. 

Account design lacks integration with modern tracking apps, hindering timely awareness of critical deadlines. 

Such practices create a gotcha billing scenario, especially for busy working professionals who rely on autopay to manage obligations. 

Requested Resolution : Full refund of all interest and fees charged after the promotional period expired. 

Written confirmation that no further retroactive interest will be applied in the future. 

Implementation of mandatory SMS/email alerts for promotional expirations. 

Supporting Documents : Copies of monthly statements showing charges, promotional purchase dates, and retroactive interest application. 

Transaction history highlighting original furniture cost vs. additional charges. 

Contact Information : Name : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : XXXX ( XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX Email : XXXX I request prompt review and resolution of this matter. I am prepared to pursue this matter through all appropriate regulatory and consumer protection channels to ensure a fair resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation