vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had a Capital One credit card and used it as a credit builder for about a year or so. XXXX dollars would come out of my account once a month from them to help build my credit. I never had issues with not paying or anything until XXXX month, the payment went through but then they immediately refunded it. I didnt know they did that and I also didnt know they completely locked my account without warning at the same time. They then tried charging me for what I owed as well as a late fee and have been racking onto that charge ever since every month. I feel it is unfair for them to overcharge me for something that is their mistake. They were not supposed to refund me so this is completely their fault. My ultimate goal is to get rid of the late fees and interest and pay what was owed originally that they refunded me for. So basically, they refunded what normally got automatically taken out of my account and then charged me a late fee a month later acting like I purposely never paid. Its just been snowballing from there. I have contacted them XXXX different times and they all tell me theres nothing I can do and that I just have to pay it. I even talked to a supervisor. I have about XXXX dollars worth of interest and late fees because of this. This is absolutely WRECKED my credit score because of this borderline fraudulent company. Im tired of this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This letter serves as my formal and final warning regarding your unlawful reinsertion of previously deleted account into my credit file, in clear and repeated violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 
XXXX ( a ) ( XXXX ). I disputed these accounts on XX/XX/year>2025 and they were rightfully removed by XX/XX/year>2025. However, without providing the statutorily required notice and certifications, Experian reinserted the same fraudulent data, violating the clear mandates of the FCRA. YOU HAVE BEEN SUED FOR THIS BEFORE. This isnt your first time, and unfortunately, I am not your only victim. 
Experian has already faced multiple lawsuits across various jurisdictions for the same misconduct reinserting disputed and previously deleted accounts without notice, without certification from the furnisher, and without compliance with required reinvestigation procedures. Despite judicial rulings and consent decrees, you continue to repeat the same noncompliant, damaging actions against consumers including me. Your pattern of negligence, disregard, and willful misconduct is not only a blatant violation of federal law, but it also inflicts measurable emotional and financial harm on innocent consumers like myself. 
DEMAND FOR COMPLIANCE I hereby demand the immediate and permanent deletion of the above-mentioned fraudulent accounts. You are also required to issue written confirmation of this deletion within XXXX ( XXXX ) business days from the date of receipt of this letter. If this matter is not resolved immediately and fully, I will be left with no choice but to pursue legal action for : - Willful violations of the FCRA - Emotional distress and reputational harm - Punitive damages as permitted under 15 U.S.C.XX/XX/XXXXn

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 2025-11-27 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: NJ

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my 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 2025-11-27 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: NJ

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my 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 2025-11-27 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: NY

Complaint narrative:
Been Disputing This Charge Since XXXX of XXXX  Numerous Times, Seller provided a tracking number that shows it was delivered XXXX XXXXXXXX signed on my behalf and left the package. i never received it or signed for it. Attached Multiple Copies of conversation between me and seller with no response, complaint filed with XXXX XXXX a copy of letter signed by myself with my signature on it. Synchrony Bank Keeps Denying & replying with seller provided tracking number of item being delivered. 
i never signed for package or received the package tried numerous times to talk to them on phone they advise someone from corporate is looking into it & they will call you within XXXX Hours & they never call or follow up. 

attached is a copy sent to prior complaint with my signature on it for proof of signature for comparison

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 monetary relief
Consumer complaint received 2025-11-27 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:
This is a follow-up complaint regarding XXXX XXXX  XXXX reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( XXXX ), Truth in Lending Act ( TILA ), and the XXXX XXXX ( XXXX  ). Despite my previous disputes, the same problem remains unresolved. Experian repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ). 
Under XXXX XXXX XXXX, XXXX XXXX, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the XXXX imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data. 
Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Experian to potential regulatory and civil liability.

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am extremely upset to see that an unauthorized inquiry is still on my credit report today. It did not disappear even after I refreshed the page, and I am demanding that the documents I provided be inspected right away so I can finally stop stressing over this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX # XXXX -- Balance : {$2900.00} - Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX # XXXX -- Balance : {$1100.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX -- Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX # XXXX - Date Opened : XX/XX/XXXX XXXX # XXXX -- Balance : {$5200.00} - Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: DISCOVER BANK
State: IA

Complaint narrative:
In XX/XX/year>2025, I booked a XXXX through XXXX with XXXX for a confirmed total of {$870.00}. At pickup in XXXX XXXX, XXXX required proof of insurance, but this requirement was not disclosed during booking. Because of the time zone difference, my insurer was closed. 

The XXXX agent told me coverage would be {$79.00}, but did not disclose this was {$79.00} per day. When I questioned the total ( which appeared right before inserting my card ), I was told my only alternative was to downgrade to a minivan, which would not meet my familys needs. I signed under pressure based on misrepresented pricing. 

XXXX charged me {$1500.00}, nearly double my confirmed price. They later issued a {$120.00} courtesy refund, but refused to refund the remaining {$690.00}. 

I disputed this with Discover and submitted documentation. Discover informed me that XXXX did not respond to their request for information, yet the dispute was still denied. 

I also filed complaints with theXX/XX/XXXX ( closed as Unresolved ) and the XX/XX/XXXXAttorney General. I am seeking resolution because the overcharge resulted from misrepresentation, lack of disclosure, and unfair pressure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am disputing the late payment reporting related to the following account : Creditor : XXXX XXXX XXXX  Worst Payment Status : 6089 days late Times Late : 130, 160 Status : Open Type : Secured Credit Card The reporting is not in compliance with the FCRA, specifically 602 ( A ) and 607 ( b ), which require accuracy and proper maintenance of consumer data. I have not been provided with any documentation proving these alleged delinquencies. 

I request a full reinvestigation. If the furnisher can not produce verifiable evidence ( billing statements, payment history, delinquency notices ), these late marks must be deleted immediately.

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 2025-11-27 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: TX

Complaint narrative:
A company called XXXX XXXX XXXX has a collection account on me that is not my account and refuses to provide proof of Debt and Account Information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: MA

Complaint narrative:
I got car loan though Credit Acceptance in which i recently discovered the vehicle had a rollback odometer. I informed them, they closed my account and then reopen it without my consent and they are trying to charge me late fee even though i received a letter stating to no linger make payments. Now they claim the Mileage of my vehicle is correct even though i sent proof of the fraud i can send proof of my carfax report if you guys request it

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 monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
In XX/XX/year>, XXXX XXXX property taxes became delinquent and were referred to XXXX, a collection law firm. I did not receive clear notice from XXXX XXXX about my right under state law to enter a payment plan before referral. When I attempted to call XXXX, their phone system disconnected every time, preventing me from arranging payment or speaking with anyone. 

Without giving me a meaningful opportunity to resolve the tax bill directly with XXXX XXXX, Rocket Mortgage advanced escrow funds and paid the full delinquent tax amount, including approximately {$4000.00} in XXXX attorney/collection fees. I was not properly notified in advance in a way that would have allowed me to address the issue myself. 

As a result of this involuntary disbursement, Rocket Mortgage performed an escrow recalculation that increased my monthly mortgage payment from approximately {$5000.00} to approximately {$8000.00} starting in XX/XX/year>. This sudden increase is unmanageable and has made the XXXX payment unpayable. This payment shock was caused entirely by XXXX XXXX  actions, not by any failure on my part to communicate or pay. 

This situation has created immediate financial hardship and puts me at risk of delinquency and negative credit reporting, even though the underlying issue was not caused by me. I have already sent Rocket Mortgage a formal Notice of Error ( RESPA ) and Request for Information disputing the unauthorized disbursement, the excessive third-party fees, the escrow recalculation, and the lack of proper notice. 

Given that Rocket Mortgages actions have made the mortgage temporarily unaffordable and could damage my credit, I am requesting that Rocket Mortgage : Reevaluate and correct the escrow disbursement Remove any improperly added attorney/collection fees Provide a corrected escrow analysis Offer temporary payment relief or an affordable arrangement for the escrow shortage And refrain from any negative credit reporting while this dispute is under review My inability to pay the higher XXXX payment is a direct result of Rocket Mortgages unilateral actions, not financial irresponsibility on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: GA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX  XXXX -- Balance : {$1700.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX -- Balance : {$1000.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX -- Balance : {$19000.00} - Date Opened : XX/XX/XXXX XXXX XXXX  XXXX -- Balance : {$4800.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX -- Balance : {$4100.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX -- Balance : {$110.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX 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 2025-11-27 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS XXXX XXXX XXXXXXXXXXXX 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 explanation
Consumer complaint received 2025-11-27 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
A daddy settlement on XXXX  more than XXXX deposited into my savings account never received their interest for having my money there right away maybe a year later all my money disappear out of my checking account before that periodically they were stealing money out of my account no I'm justifiable reason why they would overcharge me overdraft fees bogus charges then Frozen account then no access to my online banking until they originally close my checking account with no justifiable reason and now they're paying people they were affected for being a customer of Wells Fargo banking but I haven't got no letter or anything or anything

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 2025-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
On XX/XX/year> XXXX charged my bank {$29.00} and closed my account the same day I contacted them too send me my money they took from me they responded saying send them a statement showing these charges I sent them the statement over email and now they refuse too address everytime I bring it up too them this have been going on for 10 months constantly trying too get them too repay and they refuse

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within XXXX  days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: IA

Complaint narrative:
I recently checked my credit report and noticed multiple fraudulent accounts reporting improperly they do not belong to me and need to be deleted Immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: NJ

Complaint narrative:
I am reporting Equifax for unlawfully furnishing and reporting a XXXX  XXXX XXXX  CREDIT CARD account on my personal consumer report, even though this obligation is strictly a business/commercial account and does not fall under the scope of consumer reporting under FCRA 603 ( c ) and 603 ( d ) Equifax reported this account with derogatory statuses, including late payments, high balances, and charge-offs, despite it being clearly labeled as a business/commercial revolving account, which creates no consumer liability and carries no permissible purpose for consumer reporting under FCRA 604 Equifax has therefore violated FCRA 607 ( b ) by failing to maintain maximum possible accuracy and FCRA 611 by failing to obtain verifiable evidence of consumer liabilitywhich XXXX XXXX can not provide because no consumer contract, personal guarantee, or consumer credit application exists for this commercial account. XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief