vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 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: MS

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

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

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is
inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Both XXXX  and Equifax are currently reporting a paid repossession from XXXX XXXX  ( account number XXXXXXXX XXXX XXXX opened XX/XX/year> ) with a balance of {$0.00}. I am formally disputing this entry on both reports as misleading, outdated, and harmful under the standards required by the Fair Credit Reporting Act ( FCRA ). While the vehicle associated with this account may have been repossessed, the debt has since been fully satisfied, yet both credit bureaus continue to reflect this account with derogatory status codes that suggest unresolved delinquency or financial risk.

This entry is not being reported with sufficient context. Reporting a repossession with a XXXX balancewithout reflecting that the account has been resolved or closed in good standingresults in a misleading and materially damaging credit profile. Under 15 U.S.C. 1681e ( b ), credit bureaus are required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. A paid repossession, especially one with no remaining financial obligation, should not continue to be categorized as derogatory without context or clarification that the debt has been resolved in full.

The presence of this item has caused concrete harm to my financial well-being. I have experienced denials of new credit, increased interest rates, and reputational damageall due to the presence of a status that inaccurately implies ongoing delinquency. I have attempted to resolve this through normal dispute channels, but XXXX  and Equifax have not corrected or updated the information to reflect the true and accurate condition of the account : paid, closed, and no longer in collections or active default. 

The continued derogatory classification, despite a XXXX balance, amounts to unfair reporting and a violation of the FCRAs accuracy provisions. Additionally, 15 U.S.C. 1681i ( a ) requires the credit bureaus to conduct a proper reinvestigation of any disputed item, which they have failed to do in this case. They have not provided any documentation or verification from XXXX XXXX substantiating why this account should continue to be listed as a negative item post-resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am a victim of identity theft. I have provided capital one with the identity theft report multiple times in which capital one is still violating my consumer rights as of today. Capital one has came up with a XXXX stalling tactics, like saying they don't believe it's me filing the complaint, they need to verify my identity and a list of other excuses to violate the FCRA. I will not dummy down my complaint so that XXXX  can continue to violate both state and federal laws. The last complaint I filed I just wanted the fraudulent account removed from my credit report, but Now I want justice. I have attached my identity again for the 9th time. I'm reserving my right to sue in federal court. I am following up with the CFPB also to demand that capital one be held accountable due to the severity of pain and emotional XXXX  this has caused me. Once again just to be clear to prevent further stalling tactics from capital one! This is not a third party, nobody has access to my CFPB portal. THIS account is disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Received call from Chase fraud dept. that a new account was being opened in my name in XXXX, TX when I live in XXXX XXXX, GA. They turned down the new account and gave me reference # XXXX. They then transferred me to CFPB and gave me reference # XXXX. During this conversation they asked to confirm the expiration dates on each of my credit cards. I let them know I would be following up online.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The capital one XXXXXXXX XXXX XXXX perks for the travel lounges just changed. This is a big reason why we have the card. They are allowing only the primary user to have access. No guests are allowed. I understand that they can let every one that is and XXXX have two guests. But the primary holder should still be able to have two guests. Ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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 was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
On XX/XX/scrub> 2024, I purchased a XXXX XXXX from XXXX. They were running a promotion that you would receive a {$150.00} gift card for any purchase over {$200.00}. I purchased a XXXX XXXX. I selected the option of installment payments for 0 % interest through Goldman Sach. I later saw that I was being charged two separate installments, one for the XXXX, XXXX a month and a separate installment for the " Gift Card '' of XXXX a month. When I initally called they said " Your not actually being charaged ''. 

At any rate, now that I'm closer to paying off the XXXX, I wanted to purchase an XXXX thinking I could use the {$150.00} Gift Card. I can not. I am told that the {$150.00} was deducted from the purchase price of the XXXX and again was told " You're not paying for the gift card '' even though my account shows a separate line item for directing that payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: MO

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

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 2025-06-13 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: MO

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: TN

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 reporting agency, 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 Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX TN XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$750.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$330.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$360.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$340.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$64.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$930.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$860.00} INQUIRIES : XXXX Date XXXX XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : 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 explanation
Consumer complaint received 2025-06-13 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This complaint concerns a {$750.00} collection being reported by LVNV Funding LLC for a utility account originally with XXXX XXXX XXXX. While a contract was provided, I am disputing this tradeline on the following legal and procedural grounds : LVNV Funding has not provided a complete chain of title from XXXX to themselves, nor have they submitted legal proof they have the right to collect or report this debt under federal or state law. 

The debt includes amounts that may not be contractually owed or legally collectible under FDCPA 15 U.S.C. 1692f ( 1 ).

Utility debts are subject to state utility commission oversight, and there is no proof that this debt was legally sold, transferred, or approved for resale to third-party collectors.

This account is marked as disputed, but is still being reported as past due. FCRA 623 ( b ) requires accurate updates once a consumer has disputed. No such update has been made.

I am demanding the immediate deletion of this account due to the unverified legal standing of the current furnisher, insufficient documentation, and potential violations of federal debt collection and reporting laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: 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 reporting agency, 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 XXXXXXXX XXXX XXXX XXXX  CA XXXX ACCOUNTS : XXXX. XXXX - Account Number : XXXX XXXX XXXX, Date Opened : XXXX, Balance : $ XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX, Balance : $ XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : $ XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : $ XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX, Balance : $ XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : $ XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX, Balance : $ XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : $ 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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are fraudulent inquiries on my report applications made in my name that I neither authorized nor applied for and it might've been done online without my knowledge. These companies accessed my credit report without my consent, further impacting my credit standing. Despite contacting the credit bureau and being assured that these inquiries would be removed, they remain on my report, causing me ongoing stress and anxiety.

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 2025-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I had a PayPal account that was limited for 180 days. After this period ended, I was told I would be able to withdraw my remaining balance. However, after 180 days passed, PayPal closed my account permanently and seized {$200.00} from my balance without any valid reason or explanation. I contacted support and was told to wait longer, and then they removed access entirely. I have no disputes or unresolved issues on my account. I believe this is an unfair seizure of funds, and I want my money returned.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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:
I am writing to formally dispute the recent reinsertion of a previously deleted account from my credit report. The account in question is related to XXXXXXXX XXXX XXXX XXXX XXXXXXXX, which was removed after a successful dispute. It has now reappeared on my credit report without proper notice or justification.

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 2025-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Dear CFPB : I am formally disputing a collection account reported by XXXX XXXX XXXXXXXX XXXX regarding an alleged debt originally from Synchrony Bank ( Account # XXXX ). I have no knowledge of this debt, no agreement with Synchrony Bank XXXX XXXX XXXX, and no documentation has been provided to validate the account. 

Pursuant to 15 U.S.C. 1692g ( b ) ( FDCPA ) and 15 U.S.C. 1681 et seq. ( FCRA ), I have requested : A signed contract or original application; A full itemized statement of the debt ; Legal proof of assignment or purchase ; The Forward Flow Agreement ( FFA ) between Synchrony Bank and XXXX XXXX, which often disclaims account-level accuracy ; Proof that XXXX XXXX is licensed to collect debt in my state. 

Despite this, XXXX XXXX continues to report a {$3800.00} collection account with no validation or documentation. This violates : FCRA 1681e ( b ) : failure to ensure maximum possible accuracy ; FCRA 1681s-2 ( b ) : failure to investigate and update disputed tradeline ; FDCPA 1692g ( b ) : failure to validate the debt or cease collection ; FDCPA 1692k : civil liability for continued unlawful collection and reporting. 

This is supported by case law including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), which affirm a consumers right to proper reinvestigation and verification.

This also serves as a cease and desist under FDCPA 805 ( c ). If validation is not fully provided within 30 days, I demand immediate deletion of this tradeline from all CRAs and confirmation that collection efforts have ceased.

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