vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 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: CA

Complaint narrative:
This complaint serves as my formal dispute of the accuracy and/or completeness of information contained in my consumer report. Pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), I am exercising my right to request a detailed description of the reinvestigation procedure your agency conducted in response to my dispute. 

I recently noticed that an item previously deleted from my credit report has been reinserted : Account name XXXX XXXXXXXX / Account number XXXX Account type Credit card / Date opened XX/XX/year> Under 15 U.S. Code 1681i ( a ) ( 5 ) ( B ), I am requesting the following : " A copy of the furnisher 's certification that the information is complete and accurate. '' " The name, address, and phone number of the furnisher that reinserted the item. '' " The date the item was reinserted. '' " Proof that I was notified within 5 business days of the reinsertion, as required by law. '' As required by law, this information must be provided to me within 15 days of this request to remain in compliance with federal regulations. Failure to comply constitutes a willful violation of the FCRA and may result in legal action. I expect a prompt response in accordance with your statutory obligations.

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
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. 


XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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:
Im beyond frustrated with the continued presence of false, damaging information on my credit report. These aren't minor oversights or accidental typosthey are substantial and harmful misrepresentations that continue to sabotage my financial progress and personal stability. Ive gone through the formal dispute process in good faith, hoping the issues would be corrected responsibly, only to be met with silence and negligence. The failure to properly investigate and resolve these errors has left me feeling ignored, disrespected, and financially punished for mistakes I did not make. As a consumer, I have a legal right under the Fair Credit Reporting Act to a credit file that is completely accurate and substantiated by real, verifiable documentation. It is not my job to chase down proofIve done my part.

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 2025-12-18 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MARINER FINANCE, LLC
State: AL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX AL XXXX Date : XX/XX/year> Via Certified Mail Return Receipt Requested Mariner Finance [ Address exactly as shown on your credit report ] Re : Demand for Deletion Account No. XXXX To Whom It May Concern, I am formally disputing the accuracy, completeness, and legal compliance of the above-referenced account as it is currently reported to the consumer reporting agencies. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers of information are required to report information that is complete, accurate, and verifiable, and to conduct a reasonable investigation upon notice of dispute. 

Despite a prior dispute, this account continues to be reported without sufficient documentation establishing : 1. My legal obligation for the alleged debt 2. The full chain of custody and authority to report 3. Compliance with notice requirements under applicable law 4. Accuracy of balance, status, and reporting dates Because you have failed to provide competent evidence validating the account and its reporting, the continued furnishing of this tradeline constitutes unverifiable and inaccurate reporting under the FCRA. 

Accordingly, I hereby demand that you : Delete this account in its entirety from all consumer reporting agencies, including but not limited to XXXX XXXX XXXX XXXX. 

If you are unable to fully substantiate this account with proper documentation, you are required by law to cease reporting and delete the tradeline. 

Please note : This is not a refusal to pay. 
This is not an acknowledgment of liability. 
This is a demand for lawful compliance. 

Failure to delete this account or continued reporting without proper verification may result in complaints filed with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) My State Attorney General Civil remedies under the FCRA and FDCPA Please provide written confirmation of deletion within 30 days. 

Sincerely, Your Signature XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: OK

Complaint narrative:
I have disputed this account multiple times with the credit reporting agencies. Despite these disputes, the account continues to be verified without TSI providing competent validation or documentation sufficient to establish my personal responsibility for the debt.

Specifically, I have not been provided with : A copy of any signed service agreement with XXXX XXXX XXXX itemized final billing statement explaining the balance Documentation of equipment charges, including serial numbers Proof that proper notice and billing were sent to my correct address TSI continues to report this account as accurate without demonstrating that a reasonable investigation was conducted after my repeated disputes. This raises concerns regarding compliance with the Fair Credit Reporting Acts requirement that information furnished to consumer reporting agencies be complete and accurate, and that disputes be reasonably investigated.

I am requesting that TSI either : XXXX. Provide full and competent documentation substantiating this account and my responsibility for the alleged balance, or XXXX. Cease reporting this account to the credit bureaus and remove it from my credit reports. 

I am not refusing to resolve legitimate obligations ; however, continued reporting without proper validation or reasonable investigation is inaccurate and harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: PA

Complaint narrative:
There is a collections account on my credit report with all 3 credit bureaus. I disputed it with all 3, providing proof that I was incarcerated at the time the account was created. XXXX  quickly deleted it off of my credit file, transunion and equifax refused, they ignored my government issued proof of incarceration and denied the dispute. It is physically impossible for this account to be mine as I was incarcerated. I ask that this be actually investigated and promptly 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 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/year>, I received my credit report from XXXX. I was checking my credit report and noticed my credit score went down by more than XXXX points. I was so confused because I made my payments on time and my credit score has never dropped that much. As I was checking, I saw that I got an alert saying I opened a new account in Capital One. I don't have any accounts associated with Capital One. I saw that I had a balance of {$1900.00} and that this account was opened on XX/XX/year>. I never applied for a credit card at Capital One before and I had no knowledge of one being opened until I got my report from XXXX. I don't know the card number or the account number associated with Capital One. Someone stole my identity and used my information to open that account and made unauthorized transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: SD

Complaint narrative:
I received a first past due letter from XXXX with bare information regarding a past due balance. There was no balance information or payment amount. When phoning them they would not disclose any information unless I provided my social security number and I would not disclose this as they would not provide or verify any information. I have received two past due letters and have received phone calls and because I will not provide my social security XXXX  they will not provide any details. There is now a past due {$10000.00} unsecured loan on my XXXX XXXX monitoring for transunion with two diliquent payments and the loan originating in XX/XX/year>. I did not take an unsecured loan out with XXXX and have not received a billing statement only a past due letter with no amount due. The only way I know it's a {$10000.00} unsecured loan is from the dispute I filed with 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 2025-12-18 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: SD

Complaint narrative:
I received a first past due letter from XXXX with bare information regarding a past due balance. There was no balance information or payment amount. When phoning them they would not disclose any information unless I provided my social security number and I would not disclose this as they would not provide or verify any information. I have received two past due letters and have received phone calls and because I will not provide my social security XXXX  they will not provide any details. There is now a past due {$10000.00} unsecured loan on my XXXX XXXX monitoring for transunion with two diliquent payments and the loan originating in XX/XX/year>. I did not take an unsecured loan out with XXXX and have not received a billing statement only a past due letter with no amount due. The only way I know it's a {$10000.00} unsecured loan is from the dispute I filed with XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Professionals, Inc.
State: TX

Complaint narrative:
Consumer Complaint to the CFPB Company : Collection Professionals , Inc . 
Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Complaint Summary I am filing this complaint because Collection Professionals, Inc. failed to respond to a certified written dispute and continues to report or attempt to collect an incorrect and inconsistent debt amount. I am requesting removal of this account from my credit reports due to lack of verification and failure to comply with federal law. 

Detailed Statement On XX/XX/2025, I sent Collection Professionals , Inc. a formal written dispute via certified mail ( return receipt requested ) regarding an alleged debt related to XXXX XXXX 

The collection agency claims that I owe {$2400.00}, however the ledger they themselves provided shows a balance of only {$1100.00}. This is a material discrepancy. I disputed the amount in writing and demanded a reconciliation explaining how the balance allegedly increased. 

Despite receiving my certified dispute letter, Collection Professionals , Inc. never responded. They did not provide additional documentation, did not reconcile the balance discrepancy, and did not explain or justify the higher amount they are demanding. 

Violations and Concerns I believe Collection Professionals , Inc. violated multiple federal consumer protection laws, including : FDCPA 1692g ( b ) failure to cease collection and provide proper validation after a timely written dispute FDCPA 1692e misrepresentation of the amount of the debt FDCPA 1692f unfair or unconscionable collection practices Regulation F ( 12 C.F.R. Part 1006 ) false or misleading representations and failure to provide clear, accurate validation Demanding {$2400.00} while maintaining internal records showing {$1100.00} is misleading and unsupported. Failing to respond to a certified dispute further demonstrates a lack of reasonable investigation. 

If this account is being reported to the credit bureaus, such reporting is inaccurate, unverified, and incomplete, and therefore violates the Fair Credit Reporting Act ( FCRA ) as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
A debt for the amount of {$2900.00} has been reporting inaccurately to my credit for the past XXXX  years? It's harming my credit.I need it.Removed, it has nothing to do with me.

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 2025-12-18 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:
I dispute this record in its entirety, as it is inaccurate and the result of identity theft and/or other fraudulent activity. After a careful review of the information reported, I can state with certainty that I was not involved in the events or transactions described. The use of my personal identifying information in this matter was unauthorized and appears to be fraudulent. 

I have taken, and will continue to take, appropriate steps to address this matter with the relevant authorities, including the filing of an identity theft report. I respectfully request your prompt assistance in investigating this matter and removing this fraudulent record from any public or consumer reporting files in which it appears.

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 2025-12-18 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: NC

Complaint narrative:
I sent a police report, FTC report and my license to Experian, TransUnion, and equifax. I am filing this myself. I am a victim of identity theft.

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 2025-12-18 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: AL

Complaint narrative:
Filed a PayPal dispute on XX/XX/year> for software that was purchased. I reached out to the vendor about the software lock to XXXX XXXX  device. 

The vendor doesnt mention this upfront that all their software is locked to XXXX device at a time. Its literally XXXX partitioning software. 

How can you reasonably use software locked to one device? 

On XX/XX/year>, XXXX sided in favor of the seller with no provided information. Hence, I changed the dispute to reference the merchants 30 day money back guarantee. Again PayPal sided with Seller once again with no documentation provided. PayPal is enabling scammers to runoff with customer funds for whats tantamount to a scam.

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 2025-12-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: UPGRADE, INC.
State: TX

Complaint narrative:
[ Subject : Adverse-action notice and FCRA/ECOA noncompliance missing credit-score model & contradictory CRA language ( Upgrade, Inc. c/o XXXX XXXX XXXX  ) XXXX XXXX Summary of complaint ( facts ) : ] On XX/XX/year> I received an adverse action/credit score disclosure ( attached ) regarding my Personal Credit Line application. The notice discloses a numerical credit score ( 693 ) and the score date ( XXXX ) but does not identify the credit-score model or issuer used ( for example, XXXX XXXX or XXXX XXXX XXXX, which is required under the Fair Credit Reporting Act ( 15 U.S.C. 1681m ) and Regulation V. The notice also contains internally contradictory language that states the consumer reporting agency played no part in our decision while elsewhere saying the creditor obtained your credit score from this consumer reporting agency and used it, which is misleading and prevents me from understanding how my application was evaluated. The notice further blurs who the decision-maker is between Upgrade, Inc. and XXXX XXXX XXXX  XXXX A copy of my certified demand for corrective action ( delivered XXXX XXXX, 2025 ) is attached. 

[ Legal basis : ] The companys notice fails to provide the required credit-score model identification and contains misleading/contradictory statements, in violation of the FCRA ( 15 U.S.C. 1681m ) / Regulation V ( 12 C.F.R. part 1022 ) and the ECOA / Regulation B ( 12 C.F.R. part 1002 ) adverse-action notice requirements. I am attaching a copy of the deficient notice and proof of my demand sent by certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing a complaint against Capital Onecredit card for fraud and false advertising. I received an offer for a credit card that clearly stated I would receive {$300.00} cash back after spending {$500.00} in purchases within 3 months of account opening, and also 0 % APR until XX/XX/year>. 

Based on this offer, I accepted the card and opened the account. Within the first month, I spent over {$1000.00}, well above the required amount. However, I never received the {$300.00} cash back. On top of that, the company began charging me interest, even though I was not supposed to be charged any interest until XX/XX/year>. 

I contacted the credit card company and filed a complaint. They told me they would look into it, but later informed me that I do not qualify for any of the offers, even though those were the exact offers I was presented with and accepted. They also stated that their decision was final and that there was nothing I could do. 

This is misleading, unfair, and constitutes fraud and false advertising. I also have proof, including a picture of the original offer that I received and accepted.

Company response to consumer: Closed with explanation