vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
To Whom It May Concern : My name is XXXX XXXX, and I am submitting this formal complaint and request for investigation regarding an inaccurate and unverifiable account that is being reported on my credit file by XXXX XXXX XXXX ( XXXX ), allegedly on behalf of LVNV on behalf of XXXX XXXX XXXX XXXX I am writing under the authority of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. This account is inaccurate, incomplete, and can not be verified, and therefore should not be appearing on my credit report. 
I have previously requested validation of this alleged debt from XXXX, but they have failed to provide any documentation proving that I owe this balance or that proper notice was given. According to 15 U.S.C. 1692g, debt collectors must provide verification of a debt upon request before any further collection or credit reporting activity. Because no verification has been provided, the continued reporting of this account violates both the FCRA and FDCPA.

Under FCRA 611 ( 15 U.S.C. 1681i ), I am disputing the accuracy of this account and requesting that the CFPB investigate this matter. XXXX XXXX XXXX, as a data furnisher, is legally required under FCRA 623 ( b ) to investigate disputed information and to correct or delete any data that can not be verified. Since this account can not be substantiated, I am requesting its immediate removal from all credit reporting agencies, including XXXX, XXXX, and XXXX. 
Furthermore, continued reporting of this unverified item may constitute willful noncompliance under 15 U.S.C. 1681n and could be considered an unfair, deceptive, or abusive act or practice ( UDAAP ) under the Consumer Financial Protection Act, 12 U.S.C. 5531.

I respectfully request that the CFPB : Investigate this matter thoroughly with XXXX XXXX XXXX and XXXX XXXX. 
Require the removal of this unverifiable and inaccurate item from my credit reports.

Provide me with written confirmation once the investigation is completed and the correction is made.

I appreciate your prompt attention to this issue. I am exercising my full rights under the FCRA and FDCPA, and I look forward to confirmation that this inaccurate account has been deleted to restore the accuracy of my credit file.

Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: NY

Complaint narrative:
I sent a notarized copy of my identity theft affidavit and dispute letter to all three credit bureaus approximately 30 days ago. To date, I have not received any response, which is a willful violation of federal law under FCRA 611 ( 15 U.S.C. 1681i )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: NV

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
My accounts were closed XX/XX/year> and ive been calling capital one talking to all different departments talking to supervisors and managers and no one can give me a answer or a time frame to when my funds will be released

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-04 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: NJ

Complaint narrative:
I filed a dispute with Equifax regarding a XXXX XXXX XXXX, XXXX. credit card account that is being reported inaccurately across all three credit bureaus ( Equifax, XXXX, and XXXX  ). After the dispute was completed, the account now shows a {$0.00} balance for every month, yet it still lists a {$2700.00} past due amount and a charged off status. These fields directly contradict each other, a {$0.00} balance indicates no remaining debt. Equifax closed the investigation on XX/XX/XXXX and marked the item updated and verified as accurate, but no documentation or explanation was provided. Additionally, the past due balance is still payable through the XXXX XXXX app, which even shows a new statement date of XX/XX/XXXX, despite the account being reported as charged off in either XXXX or XX/XX/XXXX ( conflicting dates ). Multiple inconsistencies remain among the bureaus, including differing dates of first delinquency ( DOFD ), last payment dates, account update dates, and charge-off reporting. This tradeline continues to display conflicting and unverifiable information, which misrepresents the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: GA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: MS

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 2025-11-04 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: MS

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 explanation
Consumer complaint received 2025-11-04 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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 following accounts on my Experian credit report. The listed accounts appear as charged off, but I believe that there are inaccuracies and incomplete reporting for these items. 

Charged Off Accounts : XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$540.00} XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$110.00} XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$9300.00} XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/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 explanation
Consumer complaint received 2025-11-04 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: CA

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: OH

Complaint narrative:
I am disputing several accounts, inquiries, and late payments on my Experian credit report that I believe to be inaccurate, incomplete, or improperly reported according to FCRA regulations. Please investigate these items in accordance with the law.

Charged Off Accounts : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$960.00} Dispute : This account is inaccurately reported. I dispute this account as charged off, as the details provided do not reflect accurate reporting or resolution per FCRA guidelines. 

Inquiries : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute : This inquiry is invalid, and I request a verification or removal per FCRA guidelines. 

XXXX Date of Inquiry : XX/XX/XXXX Dispute : This inquiry is invalid, and I request a verification or removal. 

XXXX XXXX  Date of Inquiry : XX/XX/XXXX Dispute : This inquiry is invalid, and I request a verification or removal. 

XXXX XXXX  Date of Inquiry : XX/XX/XXXX Dispute : This inquiry is invalid, and I request a verification or removal. 

XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute : This inquiry is invalid, and I request a verification or removal. 

Late Payments : XXXX XXXX XXXX Account Number : XXXX  Dispute : This late payment is inaccurately reported, and I request the investigation and removal of the inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: CBC Companies, Inc.
State: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my XXXX credit report. Based on my recent credit report dated XX/XX/XXXX, I noticed that the same creditor, XXXX XXXX XXXX, is being reported twice with different open dates and balances. 
Additionally, I do not recognize these accounts and believe they do not belong to me. The accounts in question are listed as follows : XXXX. XXXX XXXX XXXX Opened XX/XX/XXXX {$700.00} XXXX. XXXX XXXX XXXX Opened XX/XX/XXXX {$460.00} This appears to be a case of duplicate reporting and/or identity error. I am requesting that you investigate and remove any incorrect or duplicate entries related to these accounts from my credit file immediately. Please conduct a full investigation and provide written confirmation once this matter is resolved. I have attached a copy of my identification and proof of address for verification purposes

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I opened a CareCredit account under my name, XXXX XXXX, in XX/XX/XXXX at my veterinarians office after my dog was attacked and needed emergency care. The bill was over {$8000.00}. The vet told me there was a no interest for one year promotion, and that CareCredit would help me pay the balance. There was no clear explanation that interest was deferred and would be charged retroactively if the balance was not fully paid off. 

I was approved for {$6600.00} and paid {$2000.00} out of pocket, then used the CareCredit for the remaining cost. I set up automatic payments of {$150.00} per month, believing I was meeting the requirements to avoid interest. I consistently paid every month and these payments brought my balance down to {$4500.00} by XX/XX/XXXX. 

When the promotion period ended, CareCredit suddenly charged {$2400.00} in interest, increasing my balance to {$6800.00}. This erased nearly all the payments I made and left me essentially back at the beginning. This practice feels deceptive and predatory, especially because I was told no interest for one year not that interest would accumulate and be charged in full if I didnt pay the entire amount off. 

I called CareCredit and explained that I was misled, that I took this financing only because it was an emergency situation to save my dogs life, and that I have limited income and children to support. I explained that I have always stayed current on my accounts, and I only used this card because it was presented as my only option at the vet. Despite this, CareCredit refused to help me and repeatedly told me, thats the agreement, without offering any solutions, adjustments, or goodwill relief. 

This situation has created significant financial hardship and emotional distress. I feel CareCredit failed to properly disclose how the promotion worked and took advantage of an emergency situation. Their practices are misleading and result in consumers being charged retroactive interest despite making consistent payments. I am requesting that the deferred interest be removed and that CareCredit honor the no-interest terms I was told at the vets office.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: AZ

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