vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX, Date of Birth : XX/XX/year>. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX BALANCE : {$3800.00}, XXXX XXXX XXXX XXXX XXXX XXXX BALANCE : {$770.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCE : {$1600.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
YOUR COMPLAINT I am in disagreement with the account listed below, which still appears on my credit report, even after your investigation. I would like these items immediately re-investigated. The inaccuracies are injurious to my credit score. In accordance to the fair credit reporting act law 91-56 Title VI Section 61, please provide the names, the addresses, and individual whom I verify this with above, so I may follow up. Please send my credit report after your investigation. XXXX XXXX XXXX LVNV Funding LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Back in XXXX of this year my wife XXXX and I checked into an extended stay hotel in XXXX, Mississippi. We paid about {$1100.00} for one month. The hotel would not fix what we reported that was wrong with our room and the hotel was not properly maintained so my wife gave them a bad review on XXXX and later we were called into the office and the General Manager scolded us for not coming to her first and addressing the issues. She treated my wife like a child and when we left she tried calling the room phone but we didn't answer and when that didn't work out she called my wife 's cell phone and attempted to continue the argument and when my wife hung up on her she came to the room and I went outside and she advised me that we wouldn't be able to renew our stay the following month and we would not be allowed to receive mail or packages anymore. I have proof that she stole a package from me and she blocked me from getting my work equipment that I needed to do my remote job. We found a private room to rent and moved out around XX/XX/XXXX. My wife filed a dispute on the charge for the room and Capital One if I remember correctly, denied our request for a refund on the whole amount so I believe they agreed to give us a provisional credit for the last week that we weren't at the hotel. Then they took back the provisional credit and ruled against us on the dispute. They sided with the hotel despite our experience there and despite the fact that the hotel did not live up to its obligation to us and despite false advertising on their website which originally lead to us booking a room there. We were recently able to get them to reopen the dispute and I sent a bunch of pictures and other documentation and they said they never received it and when my wife called them the last time they said that the merchant would also have to agree to a refund before they could approve the dispute.Of course the hotel didn't agree to it so Capital One made our joint checking account over {$240.00} negative. And they won't reopen the dispute or take into consideration our experience at the hotel and the fact that the hotel did not provide the services as advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I am following up with your response to my several existing disputes. You stated that although the account was closed in XX/XX/XXXX, it was charged off and reported in XX/XX/XXXX, and therefore the reporting period is based on that date. 

This explanation is inconsistent with both the Fair Credit Reporting Act ( FCRA ) and your own records : Under the FCRA, the seven-year reporting period runs 180 days after the Date of First Delinquency ( DOFD ) not from the date the account was reported or charged off. 

My account statement for the period XX/XX/XXXX XX/XX/XXXX ( that you provided to myself and CFPB ) clearly shows the account as past due. From that point forward, the account was never brought fully current. 

This establishes the DOFD as XX/XX/XXXX. Adding the XXXX period required under 605 ( c ), the reporting period began XX/XX/XXXX. 

Therefore, the accounts negative information must be removed no later than XX/XX/XXXX. 

By tying the reporting period to XX/XX/XXXX instead of the actual DOFD, Barclays is effectively re-aging the account, which is a violation of the FCRA. 

Accordingly, I request that you : The account be removed early or corrected immediately, and that the credit bureaus be instructed to reflect the proper removal date. 

Correct the DOFD being furnished to the credit bureaus to reflect XX/XX/XXXX. 

Update or instruct the credit bureaus to update the accounts removal date accordingly ( XX/XX/XXXX ). 

Provide written confirmation of these corrections. 

If you are unable to demonstrate, with supporting documentation, that the account was fully brought current after XX/XX/XXXX, then under the FCRA you must correct the reporting 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 2025-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TX

Complaint narrative:
I was charged for the wrong service and chime denied my dispute this is not right and I need my funds back immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: CA

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$470.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$630.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of 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 2025-09-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
One of the companies I entrusted with my credit card information abused that trust and began attempting to charge me for damages that I did not cause. I formally disputed the alleged debt in writing and filed a lawsuit in California XXXX XXXX XXXX to protect my rights. Despite being aware of the pending legal case, the company unlawfully charged my credit card. I then filed a formal dispute with Bank of America, requesting a chargeback on the grounds that I did not agree to the charge and that it was made during active litigation. Bank of America denied my dispute, even though I submitted extensive evidence, including court documents, the hearing date, and a timeline of communication clearly showing that the charge occurred while the case was open. Any attempt to collect this amount, either directly or through third parties, prior to a final judgment constitutes a violation of : - The Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ) - Californias Rosenthal Fair Debt Collection Practices Act ( Civil Code 1788.17 ) - California Business and Professions Code 17200 Unfair or deceptive business practices- California Code of Civil Procedure 116.110 and 116.223 ( Small Claims Act ) I am requesting that Bank of America : 1. Reevaluate my dispute at the executive level ; 2. Freeze the disputed amount until the court has issued a ruling ; 3. Reinstate the provisional credit or reverse the charge ; 4. Provide a written explanation of how the dispute was reviewed and why the charge was enforced despite being legally contested. Please review my complaint and take appropriate action to enforce consumer protections and hold the company and bank accountable. I attached documents from the court, which show the date of filing the application and setting the hearing, and then it is clear that the transaction was completed after I went to court for the purpose of pressure.

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 2025-09-12 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: MD

Complaint narrative:
We disputed a charge on a card because we did not received the services as they were described. We paid for an all inclusive package at the XXXX XXXX XXXX XXXX in XXXX XXXX for our anniversary, XXXX. We paid for the luxury Oceanfront balcony room to enjoy just that, the balcony. Our Balcony was under construction our entire stay and we were never informed. We asked for another room and was told none were available. We requested a refund in person and in writing. We were only offered a 2 night standard room stay at one of their international resorts on a later date. This would cost us more money and wouldn't make up for what we had spent. Capital One initially stated our dispute was resolved in our favor and then 2 weeks later stated we had to pay. We were told there was nothing else they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: TX

Complaint narrative:
This letter serves as a formal data breach notification regarding the inaccurate reporting of the following account on my Experian credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$480000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$540.00} XXXX BANK XXXXXXXX XXXX XXXX XXXX XXXX XXXX  * {$460.00} DEPTEDXXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4000.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$7800.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4600.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6300.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8300.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2400.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6200.00} Upon review, I discovered significant data inconsistencies : The account is reported as late despite being closed/paid/current. 
The balance reported conflicts with the actual account status. 
Dates of delinquency are inaccurate and do not align with the creditors records. 
This misreporting violates FCRA 1681e ( b ) and 1681i, as it constitutes a breach of the accuracy and integrity of my personal data.

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 2025-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: NE

Complaint narrative:
I overpay my auto loan every payment cycle to pay off this loan early. So I'm paying ahead. I noticed though that every extra payment I make they still charge interest. I got annoyed called the company. Asked how do I make my extra payments hit principal only. 

Company said that I need to either do it over the phone or send it via a letter- NOT POSSIBLE ONLINE. So every payment from XX/XX/XXXX - XX/XX/XXXX they've been taking extra interest from me- {$900.00} in sneaky interest that they never warned me about. Never said once that if I pay extra or ahead I still pay interest. In fact dealership said I can pay this off early and save interest. Sneaky all around. 

So, finally after I become aware I tell customer service rep I'll pay it over the phone. They said they'll charge me. I said that's leach behavior but fine. Paid {$320.00} online to go directly to principle. Payment processed on XX/XX/XXXX. 

I check after this is done - THEY STILL CHARGED MY INTEREST! Only {$260.00} went to principal and {$58.00} went to interest. The customer service rep didn't follow through and I still got charged interest. 

I'm trying to resolve this through them but it's not looking good. They keep stringing me along. Need CFPB to make them change their website so I can make direct principal 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 2025-09-12 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: GA

Complaint narrative:
I am disputing the reporting of unauthorized and inaccurate accounts on my credit file. I never opened or authorized these accounts, nor was I ever notified when they were added. The reporting is inconsistent across the three credit bureaus, which violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) requiring agencies to maintain maximum possible accuracy.

This also constitutes a violation of 15 U.S.C. 1681i, which requires disputed information to be investigated and either corrected or removed within 30 days, and 15 U.S.C. 1681g, which guarantees consumers accurate and complete disclosures of their credit file.

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 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: MS

Complaint narrative:
SPRING OAKS CAPITAL LL is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRING OAKS CAPITAL LL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I recently discovered that someone used my identity to open credit accounts and incur debt without my consent. I was out of the country studying until late 2022, and when I returned, I found myself responsible for debts I did not create. This has negatively affected my credit score, and I continue to receive notices claiming I am responsible. 

I am requesting urgent assistance to investigate this matter, remove fraudulent accounts from my record, and restore my credit. I can provide documentation to support my claim. 

Thank you for your attention and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I make my payments online but i started having problems doing it so i called well they said they couldn't verify me so I couldn't talk to anyone. After then third month of this happening I finally got to talk to someone and they explained I need to send my drivers license. I did that and didn't hear anything back. They then repossed my truck and now they are saying in order for me to get it back I have to pay {$4000.00} and I do not have that

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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX -Account sold to a debt buyer {$4400.00} Individual account I never did business with these people ( 15.U.S.1601 ) - {$930.00} Individual Account 15U.S.code 1601 - {$600.00} debt buyer ( XXXX5 U.S.Code1692-C Never did business with these people or Company XXXX {$2700.00} Debt buyer Account XX/XX/XXXX ( 15 U.S. Code ( 1601 ) -Charge -off XX/XX/XXXX debt buyer and Charge -off ( 15 U.S. Code 1601 ) each of these accounts or a violation of 605 c. Also all of these Hard inquiries on my credit report is a violation of 15 U.S.C 1681C-2 which mandates the removal IMMEDIATELY of all hard inquiries and Complaints above. Equifax was Breach and they sent me a check details that my file was breach I want all negative and hard inquiries remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT.

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 2025-09-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Re : Request for Account Information Account Number : CAP ONE - XXXX * * * * Whom It May Concern I am writing to formally request a complete record of the following information regarding the above-referenced account, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws : 1. Date the account was opened 2. Date the account was closed ( if applicable ) 3. Date the account was sold or transferred ( if applicable ) 4. Date the account was charged-off ( if applicable ) 5. Date of first delinquency reported 6. Date of last payment received XXXX. Current balance and balance at the time of charge-off ( if applicable )

Company response to consumer: Closed with explanation