vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am writing to you today regarding XXXX accounts I had with your company, a XXXX XXXX and a XXXX XXXX. I have contacted your company and disputed this account repeatedly so the correct information is displayed, yet gave not received a proper response. 

I was alerted when I checked my account statement for XX/XX/XXXX that my accounts were closed by your company. They were closed even though I never had any late payments on either account, I regularly used the cards, and they were in good standing. My accounts were closed without warning. 

I am first writing to ask why my accounts were closed. If the account was closed by your company without warning and I was never give the opportunity to make arrangements to pay the remaining balance, your company can not legally continue to report a monthly balance nor assess late fees. I have nothing in writing from your company. 

Second, the last payment date for both accounts was posted on XX/XX/XXXX. I had originally setup a payment plan on XX/XX/XXXX, but I cancelled both payments on your portal before they processed. So your company is reporting inaccurate information by stating the last payment date was on XX/XX/XXXX. This is illegally extending the time this will show on my credit report. An agent I spoke with on XX/XX/XXXX stated that the payment was still processed and was returned. He stated he was unable to provide with me proof of this. Proof I have been asking your company for multiple times through CFPB complaints and it never being provided. 

Third, why since your company closed these accounts is your company assessing me late fees and still reporting balances? Since both accounts are charged off and closed, your company should not be reporting derogatory information each month, especially since I have repeatedly stated it is incorrect information. 

Fourth, an agent I spoke with on XXXX XXXX, XXXX, stated that both accounts had been sold to a collection agency. He spoke the name really fast and refused to repeat that information. Since the account was sold to collections, your company is violating the law by reporting a balance and continuing to report inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-12-08 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: TX

Complaint narrative:
I HAVE NEVER BEEN LATE ON THE ACCOUNTS LISTED AS DELINQUENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I was in a car accident and I was sent {$300.00} to retrieve a new car seat for my toddler. It was sent to me via XXXX 

I dont use the app frequently. After I received the payment, I attempted to transfer to my bank account and XXXX  emailed me asking for my Drivers License, Im unsure why. I sent a photo of my drivers license and I was emailed back that my account was XXXX XXXX and the money would be held for 180 days? No explanation was given aside from I violated user agreement? When all I did was receive a payment which the app is used for?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) 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 XXXX 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. 


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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: MO

Complaint narrative:
I disputed incorrect information on my credit report, but the credit bureau said my disputes came from a third party, which is not true. I personally sent the disputes myself. I even called to confirm it was me, but they still refused to process them. 
I spent money mailing my letters and included documents to prove my identity. Its unfair that they didnt investigate properly. I just want my disputes handled correctly as required by 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 2025-12-08 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: ME

Complaint narrative:
I am demanding the immediate removal of several fraudulent credit inquiries that appear on my credit report. These inquiries were made without my knowledge, without my consent, and with absolutely no permissible purpose. I did not authorize them period. 

This is a clear case of identity theft. I have never had any dealings with the companies that pulled these inquiries, nor did I apply for credit with them. I discovered them only after reviewing my credit report, and I was shocked to see that someone had accessed my credit file without my permission. 

Under 15 U.S. Code 1681c-2, I have the legal right to request the blocking and removal of any item on my credit report that is the result of identity theft. Thats exactly what Im doing here. These inquiries are not just errors they are fraudulent, and they have no business being associated with my name or my credit history.

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 2025-12-08 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: CT

Complaint narrative:
My name is XXXX XXXX XXXX here is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-12-08 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: NV

Complaint narrative:
On XX/XX/year>, a {$9500.00} charge was posted to my Discover account by XXXX * XXXX XXXX  ( XXXX XXXX XXXX ) for a trading software purchase. 

Discover Bank Wrongfully Denied Valid {$9500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/year>, XXXX Algorithmics ' salesperson XXXX XXXX promised me XXXX % monthly returns on my investments, and requiring only 5 min of my time daily, during his sales call on XXXX, and via XXXX ( see attached Exhibit 1 ) if I purchased their trading software for {$9500.00}. Based on these written guarantees, I authorized the charge on XX/XX/XXXX, which was posted on XX/XX/XXXX. 

The product failed completely : it produced significant losses, not profits, and required XXXX hours daily commitment instead of the promised " 5 minutes. '' The merchant 's " XXXX + XXXX Account XXXX '' was significantly not as described to the point I had to stop using it completely in order to avoid further losses. 

The merchant 's Terms of Service - including their " all sales final '' and " no guarantees '' policies- were never presented to me before purchase, and I was never required to even acknowledge them. As such, these terms can not be enforced against me, especially when they directly contradict the specific promises made during the sales process. 

I disputed this charge with Discover on XX/XX/year> under " Not as Described. '' Discover initially credited me but later reversed it after receiving the merchant 's response ( see Exhibit 8 ). I prepared detailed rebuttal package with more evidences on XX/XX/year>, and sent it t Discover on XX/XX/year> ( see attached package ). 

Discover 's Response on XX/XX/year> ( see Exhibit 8 ) : They sent a generic denial letter dated the same day of receiving my comprehensive rebuttal. 

I then called Discover on XX/XX/year> with request to explain the denial reasons, and they replied that they don't have legal rights to reverse transaction, and they can not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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:
Please review the provided materials ; the questions arrived unexpectedly and may not be authorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
They sent a " final notice '' letter, on or about XX/XX/year> from Midland Credit Management, stating that they plan to have an attorney review the debt. They are claiming that possible outcomes could be, obtaining a lien against qualifying property. Garnish my wages or bank accounts. Or obtain information about my assets, possibly by a subpoena to appear in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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 have no involvement with these accounts and request their removal within 15 days under USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: TX

Complaint narrative:
When I reviewed my credit report, I found several negative accounts that are being reported inaccurately and without proper validation. My file shows late-payment reporting from XXXX XXXX XXXX on an auto loan, but the company has never provided billing statements, payment ledgers, or due-date documentation to support the alleged delinquencies. There is also a secured loan from XXXX XXXX that contains years of repeated charge-off codes, missing data, inconsistent reporting across multiple years, and no verification of the date of first delinquency or charge-off calculation. In addition, I found multiple collection accounts from XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. These companies have not provided chain-of-title documentation, itemized statements, original creditor records, proof of assignment, or any documentation validating liability for the balances they are reporting. Even after disputes, the credit bureau marked these items as verified, despite none of the furnishers producing the required validation. These inaccurate and unverified entries are harming my credit score and affecting my ability to obtain fair credit opportunities.

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 2025-12-08 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 Experian 's continued 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 ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). 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 FACTA Title I, Section 151, 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 GLBA 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 2025-12-08 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: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
Carrington Mortgage is furnishing an obsolete and inaccurate special comment code on my credit reports that reads : Loan Modified Under A Federal Government Plan. 

My COVID-era modification ended years ago in 2022. The mortgage is fully current with no delinquencies. No federal plan, program, or forbearance is active on my account. 

I have disputed this multiple times with XXXX, XXXX, and XXXX. Each time, the bureaus report that Carrington VERIFIED the remark as accurate. 

This remark is not accurate. 
It is outdated, misleading, and is causing automated denials from multiple prime lenders, including XXXX XXXX and XXXX. 

Carrington is violating FCRA 623 by : 1. Furnishing information that is no longer accurate or complete 2. Refusing to investigate and correct the outdated remark 3. Continuing to re-report the obsolete special comment each month 4. Blocking my ability to obtain credit due to inaccurate reporting I am requesting that the CFPB require Carrington to : Remove the Loan Modified Under A Federal Government Plan comment Remove all modification/CARES Act/loss mitigation codes Submit an AUD deleting the remark with all three credit bureaus Provide written confirmation of correction Cease re-furnishing this obsolete remark in monthly reporting Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Firstsource Business Process Services, LLC
State: IN

Complaint narrative:
This is a continuation and escalation of CFPB XXXXXXXX XXXX XXXXXXXX The original complaint was closed without resolving the central issue : The company is attempting to collect a debt beyond the only written terms they provided.

Their system showed : 1 monthly payments of {$250.00}.

The dashboard displayed : One scheduled payment No remaining balance No future payments No disclosure of additional payment requirements I made the {$250.00} payment and it was accepted. 

Afterward, XXXX XXXX XXXX XXXX claimed I owe multiple payments, but they will not produce : The alleged settlement agreement A payment schedule A contract showing multiple payments Proof I agreed to additional terms Copies of their claimed communication Because no contract exists supporting their claim, they are attempting to collect debt that is not owed. 

This violates : 15 U.S.C. 1692g ( failure to validate debt ) 15 U.S.C. 1692e ( misrepresentation of debt ) The FTC redirected this matter to CFPB jurisdiction. 
Indiana Attorney General and Indiana XXXX complaints are pending. 

I am requesting supervisory review requiring : 1. Production of the alleged multi-payment settlement agreement ; OR 2. Immediate correction of the account to Paid in Full / {$0.00} balance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX - XXXX INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-12-08 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: WA

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 response to consumer: Closed with non-monetary relief