vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 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: HI

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-10-31 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: AZ

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please check the attached files ; the inquiries were made unexpectedly and could be unverified.

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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
XXXX  continues to report a collection that was denied in court ( XXXX XXXX. XXXX ). The court ruled there was no money owed, yet XXXX  verified the debt without reviewing my evidence. 

This account was previously disputed. I am submitting evidence an official court record ( XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX ) showing that the landlords claim for Money Owed was DENIED on XX/XX/year>. 

The collection agencys verification relies only on a lease agreement, which does not overrule the courts decision. This makes the account inaccurate and unverifiable under FCRA 611. 

Please conduct a manual reinvestigation and delete the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution 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 2025-10-31 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:
Please review the attached materials ; the inquiries appeared unexpectedly and might not be authorized.

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 2025-10-31 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: LA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
I appreciate the {$500.00} credit Avant added to my account but again, Avant flagged my transaction as fraudulent, they should have sent me an email asking me if this was a valid charge or not not assume and then put a provisional credit on my account and then turn around and now you want me to be financially responsible for something that I DID NOT ask you to do. This company can not make consumers responsible for a stagnant decision. That was a stagnant decision that Avant made and they need to take full responsibility. I only should have a balance of {$800.00}. This was my balance before they added all those improper fees on my account because thats when my payment of {$350.00} was made. And thats all I am obligated to. I am not agreeing to a balance of XXXX. This should be a learning opportunity for them, because you just cant handle consumers in any way you feel. The consumer has rights as well. Again Avant needs to put my account back to the balance of {$800.00} before they decided to be dishonourable to me. Because I did not ask for any of this. I will continue to dispute this matter until they do right by me, thats my feedback and I have also notified the BBB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.T.R. Financial Services, Inc.
State: KY

Complaint narrative:
In XX/XX/year>, I received a collection letter from RTR Financial Services claiming I owed toll fees from the Florida Department of Transportation ( FDOT/XXXX  ). 

On XXXX [ insert exact date you mailed it ], I sent RTR a certified letter requesting debt validation under the Fair Debt Collection Practices Act ( FDCPA ). I also submitted a copy of this dispute through their online form. 

RTR responded by sending the same Toll Enforcement Invoice from FDOT twice. The photo on the invoice does not clearly show the vehicles license plate, and there is no evidence linking the vehicle or the toll charges to me. 

I sent a proper validation request asking for documentation proving that I am the owner or driver of the vehicle and legally responsible for these tolls. RTR has failed to provide this information. 

I also submitted a formal dispute directly to XXXX/FDOT ( Invoice # XXXX, Plate XXXX ), and that dispute is currently under review. 

Despite this, RTR continues to send me the same letter with no additional evidence. I am concerned that they may report this disputed debt to credit bureaus even though it has not been validated. 

I am requesting that the CFPB require RTR Financial Services to stop all collection activity and remove this account from their records since they have not provided proper validation of the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLAND CREDIT MANAGEMENT ( XXXX XXXX XXXX XXXX ) Inaccurate Information : Duplicate entries under varying names, inconsistent dates of last activity, and status listed as Charge Off without proof.

Violations : FCRA 623 ( a ) ( 1 ) ( A ) Inaccurate and incomplete information furnished.

FCRA 605 ( c ) Improper re-aging to extend reporting period.

FDCPA 807 ( 2 ) ( A ) False representation of debt status.

Violations : 5

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2025-10-31 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/year>, I submitted a {$500.00} payment toward my ComenityXXXX Credit Card account. The following day, on or around XX/XX/XXXX, I contacted Comenity to discuss a settlement agreement for the remaining balance. During that call, the representative confirmed an arrangement consisting of three monthly payments of {$300.00} each, to be completed by XX/XX/year>, in order to settle the account in full. These payments were to be automatically withdrawn from my checking account on the XXXX of each month, beginning XX/XX/XXXX. 

Approximately XXXX weeks later, on XX/XX/XXXX, I received a notice indicating that the entire account balance ( {$1500.00} ) had been sold to a collection agency. Despite this, Comenity continued to withdraw the agreed-upon {$300.00} payment from my checking account, even as I began receiving calls and letters from the collection agency, including threats of legal action.

This situation represents a serious discrepancy and potential bad faith on the part of Comenity. The bank entered into a settlement agreement, rescinded it without cause or notice, and continued to collect payment under the original terms, after the account had already been sold to collections.

When I called for clarification, the first representative I spoke with was dismissive and raised their voice. The second representative, however, acknowledged the inconsistencies and confirmed that she could see records supporting my claims. She submitted an investigation request on my behalf.

Two weeks later, I received a written response from Comenity stating only that I should contact the collection agency, without any explanation or resolution regarding the settlement agreement, continued withdrawals, or mishandling of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
XX/XX/year>. Capitol One closed one of my checking accounts and one of my savings accounts. Then, mailed check that will take 7 days to receive!! This will take over two weeks to straighten out!

One of these accounts have over 50 automatic transactions per month, meaning I will have late payments, credit report stipulations, and other losses in place. 
I currently have a purchase agreement in place for almost XXXX XXXX dollars which will surely be lost, because funds arent available and surely there will be newly reported late payments.

30yrs Ive been banking w Capitol One, and for last 12 yrs Ive been using these accounts exactly they way Im using them now. I really cant believe a company like Capitol One doesnt have a better policy in place. They have created a nightmare for me over next month, while I try to work all this out!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I filed a Trip Cancellation claim under the XXXX travel insurance benefit offered through my Barclays credit card. My claim ( No. XXXX ) was denied by XXXX, the insurer, because the loss involved a non-refundable hotel booking rather than common carrier costs. I had to cancel my trip under a mandatory doctors no-travel order for a contagious illness and provided full medical documentation. The policy language is confusing and misleading. The benefit is titled Trip Cancellation, which any reasonable cardholder would read as covering prepaid travel expenses when illness prevents travel. Nowhere in the Guide to Benefits does it clearly say that lodging is excluded. The exclusion appears only deep in the XXXX Policys technical definitions, which are not accessible or clear to consumers. As a result, I lost {$980.00} that I reasonably believed was covered. Barclays and XXXX directed me to XXXX, and XXXX XXXX team acknowledged the complexity of the wording but still refused to assist.

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 2025-10-31 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: MI

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-10-31 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
My credit card was used without my authorization with XXXX XXXX. I have no clue who it was and I didn't not authorize any transactions

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-31 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: Second Alliance, Inc.
State: AZ

Complaint narrative:
I am filing this complaint because SECOND ALLIANCE INC is reporting inaccurate and unverified information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

I previously sent a credit dispute letter to the credit reporting agencies regarding this account. In response, the credit bureaus stated that SECOND ALLIANCE INC claimed the debt was verified. However, no documentation or evidence was provided to either the credit bureaus or myself. This response does not meet the verification standards required to continue collection or credit reporting activity. Under 15 U.S.C. 1692g ( b ) of the FDCPA, proper verification must include : A copy of the original signed contract or agreement bearing my signature with XXXX ; Proof of ownership or assignment, such as a bill of sale or assignment agreement showing the legal transfer of the specific debt ; A full account history, including all payments, charges, and fees applied to the alleged account ; and Validation that the amount claimed is accurate and has not been inflated or altered after transfer.

SECOND ALLIANCE INC provided none of the above documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jim Bottin Enterprises, Inc
State: FL

Complaint narrative:
This is a follow-up to my previous CFPB complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> ). Despite that filing and my written debt-validation request, the company has now resumed collection attempts, as shown in the attached email dated XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: CO

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please confirm this entrys details ; its late and may have a mistake.

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 2025-10-31 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: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with explanation