vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX. XXXX : XX/XX/XXXX. Social : XXXX. My phone number : ( XXXX ) XXXX. I called experian smart money digital checking on XX/XX/XXXX, on or around XXXXXXXX XXXX XXXXXXXX. I spoke to a supervisor in the XXXX named " XXXX. '' I told him I don't have an experian debit card and I don't have a smart money digital checking account. I told him to warm transfer me to a membership agent because I can not log into my membership. XXXX refused to warm transfer me, argued with me, and instead, transferred back to the queue to Experian 's debit card department. This caused an undue delay. This is egregious. I was on the call for an hour to do something simple : warm transfer to membership. I already have the toll free number to membership ; the XXXX disconnects on me and I'm unable to get to an agent. Please reprimand XXXX, and downgrade my experian membership to the free version forthwith. Otherwise, I will file a valid complaint with my OAG. I attached hereto, a screenshot of how long it took to transfer me : XXXX hour! And I still was not transferred to a live membership agent. This is not a dispute request. Do not file a dispute. This is not a request for a copy of my credit report. Do not send a credit report.

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 2025-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
What happened : I disputed fraudulent charges on my Capital One account before closing it and paying my balance in full. XXXX identical charges for XXXX XXXX  each. A XXXX XXXX XXXX XXXX XXXX XXXX and more. These unauthorized charges allowed by Capital One are hundreds above my credit limit of XXXX XXXX Amounts I do not have the ability to authorize under the cardholder agreement. 

My account showed a {$0.00} balance post closure. Months later, Capital One reinstated XXXX of those same fraudulent charges and began reporting 30-day and 60-day late payments to the credit bureaus. They refuse to reopen the fraudulent cases and insist I speak with the merchant that has already admitted to having no record or receipts of the charges. 

Because these charges were disputed and unauthorized, the late payment reporting is inaccurate and damaging. My credit score has dropped by over XXXX points since. 

Why this is a violation : Fair Credit Billing Act ( FCBA ) : I am not liable for unauthorized charges. 
Fair Credit Reporting Act ( FCRA Section 623 ( a ) ( 1 ) ( A ) ) : Capital One is furnishing information they know or should know is false by reporting these late payments. 
Breech of cardholder agreement/ Systemic negligence : Capital One allowed charges hundreds of dollars above my credit limit prior to closure, breeching cardholder agreement and subsequently failing to protect my account against fraud. 

What I want : Remove all fraudulent charges from my account balance. 
Remove all associated 30, 60, and 90-day late payments from all credit bureaus. 
Confirm in writing that my account was closed at a {$0.00} balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-30 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: PA

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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 2025-07-30 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: CA

Complaint narrative:
these negative items need to all be removed from my creit reports

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 2025-07-30 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:
these negative items need to all be removed from my creit reports

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
I submitted a timely Validation of Debt request to CREDIT COLLECTION SERVICES regarding Account Number : XXXXXXXX XXXX XXXX XXXX XXXX for the alleged balance of {$270.00} under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In that request, I specifically asked for proof of ownership of the alleged debt, a valid purchase agreement for the portfolio containing my account, a complete and unbroken chain of title from the original creditor to the debt collector, and a copy of their state bond or license required to collect in my state. 
Despite this request, CREDIT COLLECTION SERVICES failed to provide any of these critical documents. They continue to report negative information to the credit bureaus and attempt to collect on a debt they can not legally prove they own or are authorized to collect.

By furnishing derogatory credit information without proof of ownership or proper documentation, they are in violation of 15 U.S.C. 1692e of the FDCPA and may also be violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for reporting unverifiable or inaccurate information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
In XX/XX/year>, a XXXX sales rep came to my door to offer alarm security services. I decided to move forward with their alarm services. He was completing the application on his tablet/ipad. First, he said I would not be charged for any equipment and only for monthly alarm monitoring. Secondly, he asked for my social security number and said it would not be used to run or start a line of credit but just a part of their process in establishing an account. 

Without my knowledge a line of credit for {$4000.00} was opened in my name with no explanation of charges. Originally I was paying the account to keep my XXXX credit score in good standing, until I could figure out how to dispute it, considering I was getting no progress disputing it through XXXX and Fortiva. Earlier this year my debit card used for paying the account had a hold on it and Fortiva was unable to use my debit card any longer for payment. As a result of the fraud and no additional payments, they put my account in collections. 

I made several attempts to inquire about the {$4000.00} charge and to dispute the charge with XXXX and Fortiva to no avail. 

I pay all of my bills on time without hesitation. However, XXXX fraudulently opened this account in my name and I want to report them, dispute it, and have it removed from my credit report and to be fully reimbursed for the payments I made towards the fraudulent account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
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 2025-07-30 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 am submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownershipXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$490.00} XXXX XXXXXXXX * Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * Balance Owed : {$11000.00} XXXX XXXX XXXX * Balance Owed : {$5700.00} XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-07-30 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 am submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownershipXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$490.00} XXXX XXXXXXXX * Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * Balance Owed : {$11000.00} XXXX XXXX XXXX * Balance Owed : {$5700.00} XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-07-30 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: AR

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have asked the CRAs for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 
Please find attached a copy of my ID, the FTC complaint, a copy of a data breach report showing my information being exposed in a national data breach and a validation of a debt letter.

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 2025-07-30 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX Date : XX/XX/year> To : Experian XXXX XXXX XXXX, XXXX, TX XXXX Subject : Formal Dispute of Unauthorized Account Reporting Violation of 15 U.S.C. 1681b Dear Experian, I am writing to formally dispute an entry currently appearing on my credit report under the name LVNV Funding LLC/FingerHut associated with Account Number XXXX. 

Under 15 U.S. Code 1681b, a consumer reporting agency may only furnish a consumer report with the written consent of the consumer, unless otherwise permitted by law. I am asserting that I never gave FingerHut or any associated third-party debt collector ( including LVNV Funding LLC or TrueAccord ) written consent to access or furnish any information regarding me to any consumer reporting agency. 

Accordingly, I request that you : XXXX. Provide me with proof of written consent that FingerHut ( or its agents ) claims to have to report or obtain my credit information. 
XXXX. If such proof can not be provided, I demand that this account be immediately removed from my credit report pursuant to the protections granted to me under the Fair Credit Reporting Act. 
XXXX. Send me written confirmation of the outcome of your investigation within 30 days, as required by law. 

Please find a copy of my government-issued ID and proof of address enclosed for verification purposes. 

If this matter is not resolved within the statutory time frame, I am prepared to escalate this issue by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider legal action to enforce my rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: FL

Complaint narrative:
Experian is inaccurately reporting a charged-off XXXX XXXX XXXXXXXX account that is time-barred under XXXX XXXX XXXXXXXX, potentially canceled via IRS Form XXXX, and has not been properly verified despite multiple disputes. This account should no longer be legally reported or collected on, but Experian continues to report it, violating the Fair Credit Reporting Act ( FCRA ).

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 2025-07-30 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: CA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

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 2025-07-30 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: CA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
TransUnion erased a XXXX  off my credit report as of XX/XX/XXXX. Then on XX/XX/XXXX, they randomly added it back. This is a violation of my rights. Its a violation of the FCRA. Credit bureaus are supposed to provide notification to consumers within XXXX business days. I never received anything from them stating it would be reinserted.

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 2025-07-30 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: VA

Complaint narrative:
My name is XXXX XXXX. My Social Security Number is XXXX. My Date of Birth is XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account opened at XXXX on XX/XX/XXXX, an account opened at XXXX XXXX on XX/XX/XXXX, an account opened at XXXX XXXX  on XX/XX/XXXX, an account opened at XXXX on XX/XX/XXXX, an account opened at XXXX on XX/XX/XXXX, an account opened at XXXX XXXX on XX/XX/XXXX, an account opened at XXXX XXXX XXXX on XX/XX/XXXX, an account opened at XXXX XXXX XXXX on XX/XX/XXXX, an account opened at XXXX XXXX on XX/XX/XXXX, an account opened at XXXX XXXX XXXX on XX/XX/XXXX, an account opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXX, an account opened at XXXX XXXX XXXX on XX/XX/XXXX, an account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX, an account opened at XXXX XXXX on XX/XX/XXXX, an account opened at XXXX XXXX on XX/XX/XXXX, an account opened at XXXX XXXX XXXX on XX/XX/XXXX XXXX an account opened at XXXX XXXX on XX/XX/XXXX, an account opened at XXXX XXXX XXXX on XX/XX/XXXX, an account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an account opened at XXXX on XX/XX/XXXX under the account number XXXX, an account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an account opened at XXXX  on XX/XX/XXXX under the account number XXXX, an account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and an account opened at XXXX XXXX XX/XX/XXXX under the account number XXXX. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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