vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 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: NC

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts : DEPT OF EDUCATION/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00} DEPT OF EDUCATION/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00} DEPT OF EDUCATION/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} DEPT OF EDUCATION/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$640.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$740.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} Inquiries : XXXX XXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX Account Number : 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 2025-12-23 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year>, I spoke with a XXXX representative by phone to set up a business account. During that call, I repeatedly asked whether I would be charged during the trial period and was told I would not be charged and could cancel if I did not wish to continue. 

I canceled the account on XX/XX/year>, approximately 14 days after signup, well within the advertised 30-day trial period. 

Despite canceling early, multiple charges were processed to my debit card, including {$59.00}, {$23.00}, and {$210.00}. 

On XX/XX/year>, I contacted XXXX by phone to address the charges. XXXX stated that my account had been open since XXXX, which is incorrect. I explained that the account was opened on XX/XX/XXXX and canceled on XX/XX/XXXX. XXXX told me that nothing could be done, despite the early cancellation. 

I attempted to resolve the issue in writing. I emailed XXXX on XX/XX/year>, and again on XX/XX/year>, requesting a copy or transcript of the recorded phone call from XX/XX/year>, as well as any internal account notes related to billing, trial terms, and cancellation. XXXX has not provided the requested documentation or any written response and continues to direct me to phone support only. 

I disputed the charges with Truist Bank. Truist closed the dispute as a merchant dispute without addressing the documented misrepresentation, conflicting account dates, early cancellation, or the merchants refusal to provide documentation. I am requesting that this matter be reopened and properly reviewed under Regulation E.

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 monetary relief
Consumer complaint received 2025-12-23 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 credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-12-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TN

Complaint narrative:
I am an elderly XXXX  writing to report an ongoing issue with a debt that does not belong to me. I have been receiving collection letters regarding a debt in the amount of {$4400.00}. The current creditor listed is Jefferson Capital Systems LLC, and the debt is described as a XXXX XXXX account. I have never had XXXX XXXX at any point in my life. This debt is not mine. I have attempted to contact Jefferson Capital Systems multiple times to resolve this issue but with not having great hearing I have my son help me communicate with them. Each time, We are unable to obtain any meaningful information. I am repeatedly asked to provide the last four digits of my Social Security number, which I do not understand the importance of this, especially since I am disputing that this account does not belong to me. Without providing this information, they refuse to give any details or assistance. Additionally, the collection letters are addressed to XXXX XXXX XXXX, while my name is XXXX XXXX XXXX. This is incorrect identification. This is not the first time I have received these letters.This is now the third time I have been contacted about this same debt, despite my previous efforts to dispute it. The second time I received a letter, my son contacted XXXX XXXX directly, and we were informed that I owe nothing and do not have an account with them. After that call, the collection letters from Jefferson Capital Systems stopped for a period of time, but they have now started again. I am requesting that this matter be properly investigated, that the companies involved correct their records, and that I stop receiving collection attempts for a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: OneMain Finance Corporation
State: FL

Complaint narrative:
ONEMAIN is reporting an account as charged off while simultaneously reporting an active past-due balance of {$2800.00} and continuing to update the account monthly as delinquent. A charge-off is a final accounting event and should not be reported as an actively past-due account unless the debt has been legally re-aged or transferred and accurately disclosed. This creates a misleading and inaccurate credit history. 

This reporting falsely inflates the severity and recency of delinquency and does not reflect the true legal status of the account. 

Account is marked charged off but continues to report : A current balance Ongoing monthly charge-off notations A charge-off is an accounting event, not an active debt cycle. 
Once charged off, the balance can not legally update as past due monthly unless re-aged or sold and properly reported. 

Violations FCRA 623 ( a ) ( 1 ) ( A ) Reporting inaccurate information FCRA 623 ( a ) ( 5 ) Improper re-aging of delinquency FCRA 1681c ( a ) ( 4 ) Inaccurate delinquency timeline FCRA 607 ( b ) Failure to maintain maximum possible accuracy Improper re-aging and continuous reporting of a charged-off account with an active past-due balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I noticed some unauthorized inquiries on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: AZ

Complaint narrative:
On XX/XX/year>, a charge of {$1800.00} posted to my Capital One Spark Cash credit card for a purchase from XXXX. The merchant failed to deliver the product as advertised. I received only an empty XXXX XXXX and did not receive the XXXX XXXX XXXX that were the primary component of the purchase. 

I filed a dispute with Capital One under Merchandise Not As Described/ Not Delivered and provided extensive supporting documentation, including product listings, photographs, and written email correspondence from the merchant. In those emails, the merchant explicitly confirmed in writing that they intercepted the XXXX shipment, still had the XXXX XXXX in their possession, and acknowledged that a refund for the undelivered portion was owed. 

Capital One issued a temporary credit for the full amount while the investigation was pending. However, despite the merchants written admissions and the evidence I submitted, Capital One has repeatedly requested additional documentation and has not clearly explained how the evidence already provided was evaluated or why it was deemed insufficient. 

I submitted a detailed written statement, a timeline of events, and consolidated email correspondence showing that : The merchant never delivered the XXXX XXXX, The merchant admitted they withheld the goods, The merchant acknowledged a refund was owed but never processed it. 

Despite this, Capital One has indicated that the temporary credit may be reversed if additional documentation is not provided, even though the merchants own statements confirm non-delivery and failure to refund. 

I believe Capital One has failed to properly review and weigh the evidence provided, including direct admissions from the merchant, and has not handled the dispute in a fair or reasonable manner under applicable consumer protections. I am seeking an appropriate review of Capital Ones dispute investigation process and a permanent credit for the undelivered portion of the charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-23 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of 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 2025-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I was notified by my employer that I was having my wages garnished by debt collector and I was never notified that I had a court date to be sued. There are multiple consumer violations of the FDCPA. 

Validation Notice : While a notice isn't required before the lawsuit is filed, the debt collector is generally required to provide debt validation information within five days of their initial communication ( which might be the lawsuit papers themselves ). You have the right to dispute the debt within 30 days of receiving this notice. 

FDCPA Violations : The FDCPA protects you from unfair practices. If a debt collector files a lawsuit in a county where you don't live, for example, that is a potential violation. 

Provide proof of summons sent to consumer as required by Louisiana law and consumer law prior to the date of court granting favor for debt collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: NY

Complaint narrative:
I am filing this complaint because multiple accounts are appearing on my credit report that are completely unknown to me. These accounts are being reported under my name without my authorization or awareness, and I have never opened, managed, or benefited from them. This is entirely unacceptable and results in inaccurate and misleading information being associated with my credit profile. I take my financial reputation very seriously, and the presence of these unknown accounts has caused significant concern and distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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:
Charged-Off / Collection Accounts in Dispute I dispute the following accounts as reported on my Experian credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts appear inaccurate, duplicated, or inconsistently reported. I request Experian verify ownership, balances, dates, and reporting compliance. Any unverifiable account should be corrected or deleted. 

Inquiries in Dispute I dispute the following inquiries and request documentation showing permissible purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payments in Dispute I dispute the late payment reporting on : 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 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 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Capital One 's online transactions page shows my payment of {$320.00} XX/XX/XXXX. See attached. Today, XX/XX/year>, Capitol One has reported me as being 30 days late on my payment with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: FL

Complaint narrative:
Subject : Dispute of Inaccurate Credit Reporting XXXX Bank XXXX XXXX XXXX Dear CFPB, I am filing a formal complaint regarding inaccurate reporting of my XXXX Bank XXXX XXXX XXXX account ( TransUnion : XXXXXXXX XXXX XXXX XXXX XXXX Experian : XXXX, Equifax : XXXX ). 

The following inconsistencies exist across the credit reporting agencies : Balance and last payment : TransUnion reports {$19.00} and last payment {$210.00} ( XX/XX/year> ) ; Experian reports {$0.00} and last payment {$19.00} ( XX/XX/year> ) ; Equifax reports {$0.00} and last payment {$19.00} ( XX/XX/year> ). These discrepancies are materially inaccurate. 

Account status : TransUnion : Current ; Experian : Open ; Equifax : Pays account as agreed. Inconsistent status can negatively affect my credit score. 

Credit limit : TransUnion shows fluctuating historical limits ( {$1400.00} {$300.00} {$200.00} ), whereas Experian and Equifax report {$200.00}. This inconsistency is misleading. 

Prior dispute : TransUnion indicates Completed investigation consumer disagreed, but errors remain uncorrected despite evidence. Equifax indicates reinvestigation in progress, yet the inaccuracies persist. 

Requested Resolution : Immediate correction of all inaccurate information across all bureaus.

Verification of account details with XXXX Bank ; removal of unverifiable or inconsistent data. 

Written confirmation of corrections or deletions made. 

These reporting errors violate the Fair Credit Reporting Act ( FCRA ), and I request CFPB intervention to ensure compliance and protection of my consumer rights. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: DC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Last XXXX or XXXX, I opened chase pay in 4 accounts for small purchases and enrolled in auto-pay. 
-In around XXXX or XXXX, when going through my account, I noticed that I had unpaid balances for some reason and immediately paid them off. 
-I 'm not sure how this came to be as I was enrolled in autopay and the payments went through for the first few months, then randomly stopped - and I never received a single alert -Fast forward to XX/XX/XXXX, my credit score dropped XXXX points out of no where. Come to find out, I was reported 6 months later for late payments from BNPL that were supposed to be auto-pay and I was never notified otherwise. 
- I have called chase on several occasions and they can not connect me to the BNPL ( chase pay in 4 department ) that reported this. 
-I have NEVER had a late payment in my life and am asking that these be forgiven and removed from my record as it is not an accurate depiction of my history. 
-This has brought my credit score from a XXXX to a XXXX and I never would've considered chase pay in 4 if I knew this was even a possibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: NM

Complaint narrative:
THE LATE PAYMENT REPORTED ON MY ACCOUNT IS INACCURATE AND DOES NOT REFLECT MY CONSISTENT HISTORY OF ON-TIME PAYMENTS. I REQUEST THAT THIS LATE PAYMENT BE REMOVED AND THAT MY ACCOUNT BE UPDATED TO SHOW CORRECT AND ACCURATE INFORMATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: NC

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-12-23 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: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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