vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: WA

Complaint narrative:
I applied to Indigo XXXX on XX/XX/year>. The card never arrived, so I attempted to request XXXX on XX/XX/year>. The card never arrived, again, so I accessed the Indigo login page ( https : //indigo.myfinancialservice.com/ ) and clicked on Replace Card on XX/XX/year>. The card finally arrived on XX/XX/year>, I followed the instructions to Activate Card, and the second I did, the option to Activate Card disappeared from the page and it said the card has been blocked by my bank. I called Concora Credit Customer Service ( XXXX ), explained the situation, and they said the bank had placed a lock on my card and I needed to prove my identify by uploading some documents to a website URL ( upload.concordcredit.com ). During the phone call, the customer representative all of the sudden alleged that my account presented a {$500.00} transaction made from XXXX, Texas on today, XX/XX/year>. I explained to the customer rep how it didn't make any sense that the card would've been used if it hasn't been activated, plus it had a lock from the bank. The customer rep said they would transfer me so another department can issue a new card for me and we can " dispute the {$500.00} claim ''. The entire thing didn't make any sense to me, so I ended the call right there. Unfortunately, I had already uploaded my driver 's license to the website they had directed me to, and this presents a huge concern for me since I'm worried they might try to steal my identity. I also logged back into my Indigo XXXX account to check if it the {$500.00} charge was true, or if I could see it at all, and the Account number had changed. This is extremely terrifying. I found this offer under XXXX, just trying to build my credit, and now I might have my identity stolen. How did we let this happen???

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: ND

Complaint narrative:
The late payment remark on my credit report is negatively affecting my FICO score, and I am requesting its removal to ensure that my credit profile accurately reflects my financial responsibility. Since payment history makes up approximately 35 % of my FICO score, it plays a critical role in determining my creditworthiness. Even a single late payment can lead to a significant decrease in my score, particularly if I have previously maintained a strong record of timely payments.

This incorrect late payment is unfairly impacting my ability to access financial opportunities, including loan approvals and competitive interest rates. Because lenders and financial institutions heavily rely on FICO scores when assessing risk, this erroneous remark could result in increased borrowing costs or even credit denials. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to dispute inaccurate or unverified information on my credit report. If this late payment can not be substantiated or is found to be incorrect, it must be removed immediately. Additionally, I am requesting a goodwill adjustment from the creditor, as my history of responsible financial management demonstrates that this late payment does not accurately reflect my reliability.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: IL

Complaint narrative:
I am asking for your help to investigate these accounts from companies that are inaccurately reporting late payments. After reviewing my credit report, I found that certain accounts show late payments which are incorrect. These accounts should not have any late payment remarks. Please remove these remarks and update the accounts to show positive status as agreed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: NY

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: NM

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: NM

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP
State: ID

Complaint narrative:
I have alot of debt to us bank, but about XXXX of it is overdraft fees. I asked if they could reduce that cost even just a little bit because their fees are XXXX dollars. I have always paid them back but suddenly for no apparent reason they cut off my overdraft, which I desperately needed at the time due to a medical condition. So at that point I stopped my direct deposit and routed my checks to another a count and then I couldn't get cought up. I begged all of their customer service reps to even try to go to a XXXX or anything And they just say I owe what I owe and there is nothing they can do about it Now they call XXXX times a day sometimes to collect my debt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: Credit Control, LLC
State: NY

Complaint narrative:
I am writing to file a formal complaint against CREDIT CONTROL , LLC for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ).

According to law 15 U.S.C. 1692c ( c ), you have violated my rights by in lawful communications., If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication. 
They are required to stop further communication except to inform me of legal action or to confirm that collection efforts have ended. 

Despite this, CREDIT CONTROL , LLC continued to contact me about this debt by placing it on my credit report. Please remove this collection from my credit report immediately. Again, Accor to law 15 U.S.C. 1692c ( c ), CREDIT CONTROL , LLC have violated my rights by unlawful communication. Please remove this collection off my credit report. Thank you.

These ongoing contacts are not only inappropriate, but they are also illegal under federal law. I respectfully request that the CFPB investigate this matter and take appropriate action to hold CREDIT CONTROL , LLC accountable. 

Thank you for your time and attention to this issue. Please contact me if any further information is required.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: NH

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 # XXXX  XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: IL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ).

This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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:
I submitted a formal dispute to Experian XXXX Equifax regarding a collection account that is being reported by XXXX XXXX XXXX, XXXX, portfolio recovery and another portfolio recovery and XXXX XXXX. 

Experian and Equifax verified the account based solely on the debt collectors certification without requiring the collector to provide actual proof such as : A signed contract bearing my signature. 
A complete itemization of the alleged debt. 
Legal documentation proving chain of assignment to the collector. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), Experian is required to conduct a reasonable reinvestigation of disputed information. Simply accepting the debt collectors unsubstantiated certification without reviewing supporting documentation does not meet this legal standard. 

I also submitted a written validation request directly to the debt collector, who failed to provide any proper validation. I SENT THESE DOCUMENTS TO EXPERIAN AS WELL. Despite this, Experian continues to report this disputed and unvalidated 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 2025-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I agreed to a settlement with Capital One to pay XXXX towards a charged off credit card, the remaining balance of {$820.00} was to be forgiven and reflected as settled with the credit bureaus. The amount was paid on XX/XX/year>XXXX  out of my checking account with Capital One as a transfer directly to the card being settled. Capital One received that payment, shows that it was posted, but is still showing on my credit reporting as Charged-Off with a total due of {$820.00}. The account has been disputed with Capital One and through the credit bureaus, and Capital One completed that dispute without making updates and instead added additional CO months to the report, negatively effecting my credit for the last 3 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: ND

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RoundPoint Mortgage Servicing LLC
State: SC

Complaint narrative:
We were approved for payment forbearance XXXX - XX/XX/year>XXXX  and accepted mortgage deferral on XX/XX/year>XXXX  in a phone call ( the only option ), following the forbearance. The deferral was accepted on our behalf before the final decision deadline of XX/XX/XXXX. Despite this, the mortgage servicer failed to update their system to reflect the deferral and instead reported us as 110 days late to the credit bureaus, which caused a XXXX drop in my credit score. 

On a recorded call dated XX/XX/year>, a representative from the company acknowledged and admitted fault for not updating our account after the deferral was accepted. This error was entirely on the companys side. 

In addition, we made a mortgage payment for XXXX {$2800.00}, along with two separate {$1000.00} payments during the forbearance. All of these payments are now sitting in suspense and have not been applied to our loan. When we call, were told the company is waiting on XXXX XXXX, but its been nearly a month with no resolution or update. They continue to tell us there is nothing they can do about our credit report. It is a snapshot in time and can not be fixed! 

We are current on our mortgage and followed all required steps, yet we are being severely penalized due to the servicers internal failure. This is unfair and damaging to our credit profile and financial stability. 

The entire process we have followed what we were told to do including making the additional payments as we were able during a job loss. Every time we called we were told something different. We were assured multiple times along the way and before entering the forbearance that it would be noted on our report but have no damage to our credit scores. It is now XX/XX/XXXX and we have no solution or answers and I fear come XXXX we will be reported as late again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I attempted to dispute the amounts owed on two different accounts. Now Midland has themselves listed as the original creditor on my credit report and I am not able to dispute the amounts. This has negatively affected my credit score, and I would like these items removed from my credit reports. I paid two previous debts to this company and I do not agree with the amounts currently. How can they buy a debt that was charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX NC XXXX ACCOUNTS : XXXX  - Account Number : AXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$38000.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$00.00}

Company response to consumer: Closed with non-monetary relief