vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank of America prepaid debit card services. They were a total of XXXX unauthorized transactions. They were numerous accounts and when I called reported to them they refused to refund the money .. and they didnt do and investigation. They also didnt freeze the account.

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 2025-11-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: AL

Complaint narrative:
One main financial i called and made them aware months ago that I was unemployed and not receiving unemployment and I won't be able to make payments. The staff said well have the unemployment option that you have to pay for on top of your already payments to cover until you get a job. I told them I couldnt afford that on top of the payments. They said oh well we will continue to call you every day all day until you get your payments up and dont make us have to go a further step and report you and take your money. I said I dont have any to take and you cant take what I dont have.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am submitting this as my fourth formal dispute regarding the inaccurate and misleading reporting of the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00} tied up to open accounts, deleted on XXXX, Date of Last Activity : XX/XX/year>XXXX XXXX XXXX appearing on my Experian and TransUnion credit file. Despite several prior disputes, Experian and TransUnion has continued to report this account without providing any verifiable documentation, clear explanation, or reasonable evidence supporting the way it is currently coded. 
The continuation of this unverified and inconsistent information raises serious accuracy concerns and violates multiple sections of 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 2025-11-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
To Consumer Financial Protection Bureau I am filing this complaint because several furnishers and credit bureaus continue to report information about me that is inaccurate, unverified, misleading, and completely against the Fair Credit Reporting Act ( FCRA ) and FDCPA. I have never missed a lawful payment knowingly, false. Any charge-off or collection account listed are unknown to me and were never authorized. This error continue to damage my credit and violate federal law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance Owed : {$3200.00} Chargeoff * * I have no knowledge of this account, it was never authorized by me, and you are reporting it without proper verification. FCRA 602 ( A ), 607 ( B ), and 611 ( A ) require deletion of any account that can not be proven as mine or can not be validated with proper documentation. This must be permanently deleted.

I request CFPB to enforce correction, removal, and full reinvestigation of all inaccurate, unauthorized, and harmful information as this violations continue to cause damage to my credit and financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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 really frustrated to see that an unauthorized inquiry is still appearing on my credit report and I can not understand why it has not been taken out. Even after refreshing my browser, it remains there, which is very stressful. I urgently ask that the documents I submitted be reviewed carefully so I can finally stop worrying about this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: NY

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
On XX/XX/XXXXXXXX XXXX I man came up to my apartment door, I do not know how he got in because we have a security system. He came and repeatedly knocked on my door, I asked him to identify himself and he wouldnt, so i asked him to leave repeatedly and he said no and stood by my door. I called the police, and they made him leave. This was a terrifying situation. I told the company about this and nothing was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: PA

Complaint narrative:
I am submitting to formally dispute inaccurate charge-off information appearing on my Equifax, Experian and TransUnion credit report and request a thorough reinvestigation under the Fair Credit Reporting Act ( FCRA ). My credit file currently contains reporting that is inconsistent with my verified account records and misrepresents my payment history. 

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 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 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 Furthermore, the misreporting charge-off accounts has a significant negative impact on my creditworthiness and mischaracterizes my credit history. FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) obligates credit reporting agencies to maintain procedures to ensure the maximum possible accuracy of all information reported. 
Reporting charge-offs clearly violates this requirement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: CA

Complaint narrative:
I am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Enclosed are supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: FL

Complaint narrative:
There is an inaccurate account on my consumer report. I've listed in my letter the account that was opened fraudulently. 


FRAUDULENT ACCOUNT : XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
PayPal did not follow its own Buyer Protection procedures by closing a dispute without giving me a chance to submit evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
XXXX ( XXXXXXXX XXXX XXXX Continental Finance ) continues to ignore my documented hardship and is adding new fees and inflating my balance without providing any written assistance. I submitted a hardship request and financial information weeks ago, and they never reviewed it, never responded in writing, and continued stacking late fees and interest. 

Their system is dysfunctional and does not give accurate access to my account. Instead of providing written help, they send canned call us messages and refuse to address anything I asked. I requested written communication only, but they continue to ignore that, give template responses, and avoid providing any real information in writing. 

XXXX is escalating my balance and minimum payment even though they know I am in a hardship and have been trying to resolve the issue. They did not acknowledge my hardship request, did not pause fees, and did not give any written explanation of the charges they continue to add. Their conduct shows bad faith and intentional avoidance of written communication so they do not have to explain their actions.

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 2025-11-20 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX  # XXXX XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX {$8700.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-20 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: Experian Information Solutions Inc.
State: SC

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 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 2025-11-20 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: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-20 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:
I am formally and unconditionally disputing the transaction with Sonic Car Rental in XXXX, FL in the amount of {$1500.00}, rebilled to my account on XX/XX/year>. 

At the time of rental, the merchant coerced me into purchasing additional insurance that I neither wanted nor needed. I was explicitly covered under my Capital One credit cards collision damage waiver and declined any duplicate coverage. Despite this, Sonic Car Rental refused to release the vehicle unless I purchased their in-house insurance. This practice is against industry norms and constitutes a forced sale under duress. 

I paid for the rental with my Capital One Venture Card, relying on its included insurance benefits. The merchants refusal to provide the vehicle without the unnecessary insurance deprived me of my contractual right to use the cards coverage and violated fair-dealing standards. 

To summarize : The merchant refused to honor the rental reservation unless I purchased redundant coverage. 
I was not given the option to decline or proceed without this forced charge. 
I disputed this directly with XXXX XXXX XXXX, and they refused to refund or provide documentation of the rental absent the insurance fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: VA

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-11-20 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: VA

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: FL

Complaint narrative:
Collection Dispute, Privacy Rights & Cease Communication Letter ( 15 U.S.C. 1692c ( c ) & 15 U.S.C. 6802 ) XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date : XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Dispute of Collection Account, Cease Communication, and Privacy Rights Pursuant to 15 U.S.C. 1692c ( c ), 15 U.S.C. 6802, and My Rights Under the FCRA To Whom It May Concern : I am writing to formally dispute the collection account listed below on my TransUnion credit file. This letter also serves as a cease communication notice under 15 U.S.C. 1692c ( c ) and an assertion of my privacy rights under 15 U.S.C. 6802. 

Account Information Collection Agency : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX Reason for Dispute The account information being reported is inaccurate and improper, and I am disputing its presence on my credit report.

Cease Communication 15 U.S.C. 1692c ( c ) Under federal law, I am demanding that all communication regarding this alleged debt cease immediately.

Any further contact would violate the Fair Debt Collection Practices Act.

Financial Privacy Rights 15 U.S.C. 6802 Under 15 U.S.C. 6802, you and any data furnishers are prohibited from disclosing, distributing, or sharing my nonpublic personal information without lawful purpose or consent. 
I am formally asserting these rights and require full compliance with federal privacy protections. 



Requested Action I am demanding that TransUnion : 1. Delete this collection account from my credit report immediately.

2. Ensure no further communication is made by any collector regarding this account.

3. Ensure no unauthorized sharing or usage of my personal or financial information under 15 U.S.C. 6802.

4. Provide an updated credit report reflecting the deletion of this account. 

Please respond in writing only. I am keeping detailed records of all correspondence. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX # XXXX XX/XX/year> -- {$3700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: TN

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report 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 explanation
Consumer complaint received 2025-11-20 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: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please delete the negative account information immediately in accordance with 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