vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing a reported late payment that does not reflect my actual payment history. I have consistently submitted all payments on time, and this entry is a clear error. The false reporting has caused undue harm to my credit profile and is misleading potential lenders.

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 2025-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my account ending in XXXX, that are inaccurate and are not properly verified. I have disputed this directly with the credit bureaus and the furniture but the late payments remain without proper validation or documentation. Under 15 USC 1681 S2A, a furnitures must report accurate information under 15 USC 1681 I, the credit bureaus must preform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative reporting.

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 2025-08-21 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: CA

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

1681c2 ) that you, the Experian 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 XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX AUTO Date : XX/XX/XXXX XXXX CARD Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} 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, 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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I don't recall exactly the time frame of when I voluntarily turned my car in due to being laid off from work due to covid. In XXXX  I believe it was XXXX I came to my attention that the cares Act had stated that these leasing companies had to mark on my Credit Bureau reports that it was either covid related or natural disaster I spoke to them on several occasions and they said they would take care of it and has never been done and XXXX points was removed from my score at that time. It Still Remains on my credit report without the statement also XXXX XXXX which was the financing company for the car is listed as me owing {$12000.00} something dollars and then a creditor who purchased the leasing or loan from XXXX also has listed meowing almost {$5000.00} for the same exact thing I have disputed this online several times and spoke with the credit bureaus and I've got nowhere. I feel that I did the right thing I get that I owe them money but for them to not do what the government stated the leasing companies needed to do is follow the cares Act of 2020 I feel that XXXX points off my score was completely 100 % unfair to me especially during the times of covid losing my job losing family members to death it's just really very upsetting and I've not been able to do anything about it because I had been taken care of my mom for the past 3 years who had XXXX who just passed recently so now I'm trying to work on XXXX and important things that I put aside

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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I don't recall exactly the time frame of when I voluntarily turned my car in due to being laid off from work due to covid. In XXXX  I believe it was XXXX I came to my attention that the cares Act had stated that these leasing companies had to mark on my Credit Bureau reports that it was either covid related or natural disaster I spoke to them on several occasions and they said they would take care of it and has never been done and XXXX points was removed from my score at that time. It Still Remains on my credit report without the statement also XXXX XXXX which was the financing company for the car is listed as me owing {$12000.00} something dollars and then a creditor who purchased the leasing or loan from XXXX also has listed meowing almost {$5000.00} for the same exact thing I have disputed this online several times and spoke with the credit bureaus and I've got nowhere. I feel that I did the right thing I get that I owe them money but for them to not do what the government stated the leasing companies needed to do is follow the cares Act of 2020 I feel that XXXX points off my score was completely 100 % unfair to me especially during the times of covid losing my job losing family members to death it's just really very upsetting and I've not been able to do anything about it because I had been taken care of my mom for the past 3 years who had XXXX who just passed recently so now I'm trying to work on XXXX and important things that I put aside

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: PA

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 2025-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am the president of the board of directors of my church. I tried to close a credit card account that a former staff member opened for the church with capital one. The supervisor there informed me that I could not cancel the account and only the former staff member who opened the account can close it. As that person is no longer an employee they are not available to do so. We have received charges because we can not close the account and we want to be able to close it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: FL

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 explanation
Consumer complaint received 2025-08-21 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: TX

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

1681c2 ) that you, the Experian 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 : ACCOUNTS : XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} 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, 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 2025-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
This complaint is a continuation of my prior CFPB complaint, Case # XXXX which was closed after Resurgent Capital Services submitted a response.

Despite their response, Resurgent has not provided proper debt validation under the Fair Debt Collection Practices Act ( FDCPA ) and New York law. 
On XX/XX/year>, and XX/XX/year>, I requested validation in writing by email and U.S. Mail.

I specifically requested : ( 1 ) the original signed contract/application, and ( 2 ) a complete account history showing all charges, payments, fees, and interest. 
On XX/XX/year>, Resurgent claimed they had enclosed the signed contract/application, but no such document was provided. Instead, I only received a few billing statements and a self-prepared account summary. 
This does not meet validation requirements because billing statements do not prove ownership or accuracy of the balance. 

Meanwhile, LVNV continues to report this account to the credit bureaus as valid. Reporting unverifiable information while the debt remains in dispute may violate both the FDCPA and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I became aware of a collection account on my credit report that I believe is inaccurate and improperly reported. Upon discovery, I promptly initiated multiple disputes with the collection agency and credit bureaus to request validation of the debt. Despite these repeated efforts, the collection agency has failed to provide the legally required documentation, such as a detailed account statement, proof of debt ownership, or evidence that the debt is valid and mine. 
Instead of a proper response, I have received vague, non-responsive communications that do not address the issues I raised. The account continues to be listed on my credit report with inaccurate balances, dates, and status information, which is misleading and inconsistent with Metro 2 compliance standards.

This failure to substantiate the debt and correct the reporting after multiple dispute attempts violates my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other relevant federal statutes. The continued presence of this unverified collection is adversely affecting my creditworthiness and financial wellbeing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
Golden 1 Credit Union has frozen my accounts without any fraud, legal reason, or explanation. A representative asked me several times if I wanted to freeze my account ; I clearly said no, and she assured me it would not be frozen. The next day, my account was frozen. Two days later, my other account was also frozen. Recently, they locked my mobile banking account, completely blocking me from accessing my funds or managing my money. 

I have contacted Golden 1 multiple times, but their representatives refuse to provide any information or timeline for resolution, stating they can not tell me anything. This lack of access is causing significant financial hardship and is improper, as no legitimate reason exists for these restrictions. 

I am requesting XXXX intervention to ensure my accounts are immediately unfrozen and that I have full access to my funds and mobile banking services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I called Chase bank, explained my situation. Inquired if my payment could be lowered or put on forbearance. They refused.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: DISCOVER BANK
State: TN

Complaint narrative:
A few months ato, I opened a Discover XXXX XXXX  account. I made a mistake in the XXXX information I provided them to fund the account. Shortly thereafter, I got notified that my account was being closed due to a " business decision ''. I have never received any other reason why the account was closed. There is no action that I can take to rectify the situation and convice discover that I am not a security risk and would be a good customer. I have tried since to open an account on several different occasions and have not been able to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
On Saturday, XXXX, XXXX 2025, I made a {$3300.00} payment at XXXX through XXXX using my XXXX card. This payment was intended for my U.S. Bank auto loan. However, XXXX processed the payment under U.S. Bank Commercial Loan Services instead . I told them that I wanted this to be a XXXX XXXX  payment and I was not informed check free pay will be used. 

U.S. Bank Auto Loan confirmed they can not accept the payment and that the funds will not apply to my loan. I contacted XXXX, who stated the payment was already processed and sent to U.S. Bank Commercial Loan Services. U.S. Bank Commercial Loan Services has acknowledged they can not apply it and said it must be rejected back. I called Check Free Pay right now who confirmed that US Bank Commercial Loan Services received the payment and it has posted in an unknown account. 

As of now, my {$3300.00} is stuck in limbo. I have a receipt and reference number, but no clear resolution or timeline for when my money will be returned. This error has left me at risk of a late auto loan payment and financial hardship.

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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: NY

Complaint narrative:
I am disputing inaccurate collection accounts on my TransUnion credit file. XXXX XXXX XXXX and XXXX XXXX XXXX are reporting accounts that do not belong to me. XXXX XXXX has already provided written confirmation that at least two of these accounts are not mine. Please remove all of these accounts from my credit file 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 non-monetary relief