vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 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: CA

Complaint narrative:
I am filing this complaint with the Consumer Financial Protection Bureau because my credit report contains multiple inaccurate, unverified, and damaging items that violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These items are harming my financial credibility, lowering my credit score, and preventing me from obtaining fair access to credit opportunities. I have outlined each issue below with the related law violations and the impact it has caused me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$62000.00} Date Opened : XX/XX/2022 Charge Off * * Issue : This account is being reported as a charge-off, which is damaging and inaccurate. The balance and reporting status are not being updated in compliance with accuracy standards.

Law : FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or should know is inaccurate. FDCPA 807 ( 8 ) also p
rohibits the false representation of the character, amount, or legal status of a debt.

Story : Reporting this account as a charge-off has unfairly destroyed my creditworthiness. I have attempted to seek clarification and documentation from the furnisher, but they failed to provide complete validation of the alleged debt. Without accurate validation, the continued reporting of this account is unlawful. Because of this accounts status, I have been denied housing, auto financing, and even basic lines of credit. This false charge-off paints me as irresponsible when in reality the creditor has failed to meet their legal obligation to report truthfully and fairly. 
Conclusion : These wrong addresses, false charge-off, unvalidated collection, and unauthorized inquiry collectively show a pattern of noncompliance with federal consumer protection laws. The damage includes loss of financial opportunities, higher interest rates, emotional stress, and reputational harm. I am requesting that the CFPB investigate these violations and require the credit reporting agencies and furnishers involved to remove or correct the inaccurate and harmful information.

Relief Requested : Permanent removal of the wrong addresses. 
Correction or deletion of the XXXX XXXX charge-off. 
Deletion of the XXXX XXXX collection account without proper validation. 
Removal of the unauthorized XXXX inquiry. 
XXXX that my credit file is updated to reflect only accurate and verified information in compliance with FCRA and FDCPA.

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I am writing to formally dispute and bring to your attention certain inaccuracies in my credit report. These errors are not trivial and continue to have a significant negative impact on my financial well-being and overall peace of mind.

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 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
I received an upgrade offer from capital one. Please see attached email. I called to discuss offer with a supervisor on XX/XX/year> at approximately XXXXXXXX XXXX Supervisor told me there is no such offer. I asked her multiple times could I speak to higher up management and she told me she is the highest person that I could talk to and that this is not a valid offer. She also stated call was being recorded and capital one will not honor this offer. Her name was XXXX employee number is XXXX. I am very disappointed in the quality of service I received. I am even more disappointed in capital one sending out non valid offers. This should be against the law to lure customers into upgrading with non valid offers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRSTBANK
State: CO

Complaint narrative:
Regarding the First Bank on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; also regarding employee XXXX XXXX bank manager. 

When I opened my checking account I told them I had a history with overdraft and I did not want overdraft. I told them when the money or bills run out shut it off and let me handle it. That was the deal and distinctly remember because I had a history with it ; it was for my protection. It worked earlier also.

I check my online bank account every morning. On XX/XX/XXXX Monday I had {$49.00} dollars in my checking account. I saved this for my phone bill which for some weird reason did not charge me for my phone, which I had preserved with the pre-budgeted {$49.00} dollars, until the morning of the XXXX when I received the overdraft red balance for minus XXXX XXXXXXXX. 

Because I did not have a telephone to call the bank with I walked across the street to the bank. I informed a teller of the problem and the manager came over to me and said nothing but printed off a sheet of paper and said you agreed to overdraft And this can not be paid back or questioned because it was paid out on XX/XX/XXXX. Then as I was leaving he offered me his card saying loudly I am XXXX XXXX, Bank Manager. Then he was yelling something else and I left.

It took me five days to get a phone to conduct urgent waiting business with which I hoped to change my economy.

The fact is that the {$49.00} dollars I had budgeted was there on the morning of the XXXX and I could have walked across the street to the car automated bank machine and withdrew it but I had left it in there with the knowledge I had protection form overdraft and that was changed without my knowledge and the fact that he lied as you should be able to see the online information for me on the XXXX still showed the {$49.00} dollars ; he lied and I paid for it. 

I want you to fix my overdraft as soon as you get this and I want my account returned to the {$49.00} dollars that it was on XX/XX/year> ; and reverse the overdraft of {$94.00} now on my account.

NOTE : This is a copy of the problem I sent to them when exhausting my options and remedies offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sterling Credit Corp.
State: WI

Complaint narrative:
I have and active open dispute against company. The company failed to investigate. I also reported them to CFPB # XXXX against Stearling Credit Corp Acct # XXXX XXXX XXXX on XX/XX/scrub>/2024 they never responded. 

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it.

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the XXXX XXXX ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that Sterling Credit Corp did not have my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a XXXX, and I do not use online banking or smartphone apps. I rely entirely on paper bank statements that are mailed to me. Unfortunately, I had not been receiving statements for my Bank of America savings account. Because of that, I had no way of knowing that funds were being withdrawn. However, on XX/XX/XXXX, when I went to the bank to withdraw money for the purchase of a car, I was told by the bank teller, that my balance was less than {$8.00}. My balance should have been almost {$130000.00}. 
I immediately reported this to a bank employee and completed the required paperwork to submit a claim. On XX/XX/XXXX, I returned to the bank to follow up and was connected to their fraud department. To my dismay, I was told my case had already been closed and my claim deniedwithout any explanation. I reminded the representative that I had reported the issue as soon as I became aware of it, and explained again that I do not use online banking and had no idea that someone ( apparently in Tennessee ) had been withdrawing money from my account nearly every day. While the representative said they would re-consider my claim, I left with the impression that no real reconsideration would occur. 
This loss represents my entire life savings, and I am devastated. With the help of a friend, I reported this incident to the FBI online, but I have not received any response. I am asking for your assistance to investigate this matter and to ensure that my savings are restored. 
Thank you for your time and attention.

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 2025-08-22 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am requesting your help to review accounts from these companies that are inaccurately reporting late payments. My credit report shows certain accounts marked as late, which is incorrect. There should be no late payment remarksplease remove them and update each account to the agreed positive status. Furthermore, one account is being wrongly shown as delinquentit needs to be formally disputed and corrected to reflect no late payments.

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 2025-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I tried to close my PayPal account. The online website continually puts me an infinite loop. The site states the site is governed by a Regenerative AI. When I tried to message PayPal, the AI put me in " Search ''. I have tried at least XXXX times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: AL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I had a full pay off amount for my loan. I payed that amount in full then a month later they charged me another XXXX dollars of interest after I payed the full sum of over {$4000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-22 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: TX

Complaint narrative:
Upon reviewing my credit files, I have identified multiple inaccuracies regarding the way XXXX XXXX  is reporting my account to the credit bureaus. Specifically : The account number reported as XXXXXXXX XXXX XXXX  is inaccurate * *, as my actual account number does not contain asterisks. 

Date opened is listed as XX/XX/XXXX on XXXX but XX/XX/XXXX on Equifax and XXXX 

High credit limit is reported as {$34.00} on XXXX XXXX XXXX, but {$600.00} on Equifax. 

Credit limit is shown as {$600.00} on XXXX XXXX XXXX, but {$0.00} on Equifax. 

Last reported date shows XX/XX/XXXX on XXXX XXXX XXXX but XX/XX/XXXX on Equifax. 

Date last active differs across all three bureaus. 

Date last payment is XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  but XX/XX/XXXX for Equifax. 

Payment history discrepancies : Most months indicate paid on time, yet there are no payments reported for XX/XX/XXXX and XX/XX/XXXX on Equifax, and none for XXXX and XX/XX/XXXX on XXXX XXXX XXXX 

XXXX XXXX XXXX show a 30-day late for XX/XX/XXXX, while Equifax does not report any late payment for that month. 

These discrepancies demonstrate a clear failure to report accurate and complete information across all credit bureaus. This inaccurate reporting is highly damaging to my creditworthiness and negatively impacts my ability to obtain credit from lenders. 

As required under 15 U.S. Code 1681e ( b ) : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

The current reporting of this account does not meet the standard of maximum possible accuracy. Therefore, I am formally requesting that this account be removed entirely from my credit file to correct these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
This company has me down for a repossession on two vehicles. I have called and asked for statements. They were not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: HI

Complaint narrative:
In XX/XX/year> I discovered two federal student loans on my credit report that I never applied for. The loans, totaling about {$4800.00}, were serviced by XXXX. This was identity theft as I use the XXXX XXXX XXXX for my education and did not need or request federal loans. 

I filed both an FTC Identity Theft Report ( Report # XXXX ) and a police report, and I gave XXXX all of this documentation along with proof of my identity. Instead of removing the fraudulent account, XXXX said they were unable to conclusively determine fraud because of missing school records. 

That excuse does not follow the law. Under the Fair Credit Reporting Act ( FCRA 605B ), once a valid identity theft report is submitted, credit bureaus and furnishers must block fraudulent tradelines within 4 business days. XXXX reviewed the same evidence and permanently deleted this XXXX account from my credit file. However, Experian and XXXX  are still reporting it because XXXX continues to furnish the information. 

I am asking the CFPB to ensure XXXX complies with federal law and to require all credit bureaus to remove this fraudulent account permanently.

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 2025-08-22 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: HI

Complaint narrative:
In XX/XX/year> I discovered two federal student loans on my credit report that I never applied for. The loans, totaling about {$4800.00}, were serviced by XXXX. This was identity theft as I use the XXXX XXXX XXXX for my education and did not need or request federal loans. 

I filed both an FTC Identity Theft Report ( Report # XXXX ) and a police report, and I gave XXXX all of this documentation along with proof of my identity. Instead of removing the fraudulent account, XXXX said they were unable to conclusively determine fraud because of missing school records. 

That excuse does not follow the law. Under the Fair Credit Reporting Act ( FCRA 605B ), once a valid identity theft report is submitted, credit bureaus and furnishers must block fraudulent tradelines within 4 business days. XXXX reviewed the same evidence and permanently deleted this XXXX account from my credit file. However, XXXX  and TransUnion are still reporting it because XXXX continues to furnish the information. 

I am asking the CFPB to ensure Aidvantage complies with federal law and to require all credit bureaus to remove this fraudulent account permanently.

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 2025-08-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : 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  These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report XXXX I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, 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
Consumer complaint received 2025-08-22 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: FL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-22 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: FL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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