vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
I made an online purchase on XX/XX/XXXX and picked up shortly thereafter in store. Waited during XXXX for statement from Kohls to schedule the payment. Decided to schedule a {$70.00} payment through my bank to at least have something for the month. Got notification around XX/XX/XXXX ( via postcard, XXXX XXXX XXXX screenshot ) that the account was to be transferred to Capital One. Never got a notification when that was going to happen exactly or when new account is ready. In XX/XX/XXXX, got call from bank saying the check was returned. At this time, I still got no info on a new account number or where to send payments. XX/XX/XXXX, I got a new card in the mail but still no statement. I can not send payments if I don't know where to send them to. XX/XX/XXXX received first statement with new account information and was able to sign in online with the information on XX/XX/XXXX. That is when I discovered there was late fees charged. I called and asked them to reverse the 2 charges ( {$29.00} & {$40.00} ) since I could not make a payment until now since I did not know what the account info was plus they refused the payment from earlier. I was told that the {$40.00} one has been reversed but the {$29.00} one is locked out and no one can change that. This is very deceptive tactics to migrate consumers to a new account numbers and then charge late fees on the basis of not sending out the new information. 

Attached documents are the last 3 statements ( XXXX shows a different account number while XXXX & XXXX show new one, never received XXXX statement ) plus a screenshot of what the Capital One website shows for transaction details. I was actually surprised to see the XXXX statement on the website since that is from the old site.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-28 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: SC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-04-28 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:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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

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 2025-04-28 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: AK

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 








Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX

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 2025-04-28 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: CT

Complaint narrative:
All of my credit card companies have reported my accounts late and also some of them closed my accounts without sending notice i habe called them to please verify when i paid late and they did not send me a report through mail they just demanded payment. i always pay ontime and also set up automatic payments so i dont have this problem. i have paid for my credit report and i found alot of innacuracies and in total 32 late payments but i always pay on time i habe called the credit bureaus as well and they are no help i have files complaints to better business bureus as well i wish for my late payments to be removed and also closed credit card accounts that were closed without my knowledge to be removed and also the late payments on them. according to U.S LAW ( CODE 15 SECTION 1681E ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: TX

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Transunion is not conducting a full and as Complete investigation on XXXX XXXXXXXX XXXX  is fraud account please see FTC Report

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 2025-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

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 2025-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK
State: CO

Complaint narrative:
In late XXXX, I proactively contacted Discover to request the closure of my credit card account and to negotiate a realistic repayment plan, as I fully intended to pay my outstanding balance. Despite my good-faith efforts, Discover refused to close the account or offer any workable repayment options. As a result, my balance ballooned from approximately {$8000.00} to almost {$12000.00} due to continued interest and penalties. 

In XX/XX/XXXX, I contacted Discover again in writing to negotiate a settlement to resolve the charge-off and to verify whether Discover still owned the debt. Discover responded in writing, confirming they continued to own the account and had not sold it to a third party. 

However, when I contacted Discover again by phone on XX/XX/XXXX, I was informed that Discover could no longer access my account, refused to escalate my call to a supervisor, and directed me to their third-party " attorney '' team, XXXX & XXXX XXXX for any resolution. The Discover representative could not verify whether Discover still owned the debt or explain why Discover continued to report the account on my credit report. 

I then attempted to work with XXXX XXXX XXXX, but they have also failed to validate the debt, despite my written request sent on XX/XX/XXXX. To date, I have received no verification, no settlement offers, and no proof that either party has the legal right to collect or continue reporting the debt. 

This unresolved situation has caused substantial damage to my credit standing, resulted in repeated rental application denials, and placed my housing stability and employment at risk despite my documented and repeated good-faith efforts to resolve the debt responsibly since late XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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 am disputing the late payment reported for XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, which has been listed with a past due amount of {$0.00} on my credit report across Equifax. This is an obvious clerical error, as a balance of {$0.00} can not possibly reflect a legitimate late payment. This inaccuracy is a direct violation of 15 USC 1666b, which requires that creditors report accurate payment histories. The failure to correct this entry is damaging my credit score, and you have failed to take appropriate action despite previous attempts to resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I have followed multiple disputes because of the inaccurate information. I submitted one in XXXX 2024 and filed a complaint on CFPB XXXX/2024. XXXXXXXX XXXX has fraudulently reporting inaccurate information that has cost me to have higher interest rates. This weekend I was going through paperwork and found a letter from the company they stated bought it. It was dated XX/XX/XXXX. Three years prior to the date they showed my account was open. They consistently have said the reporting information is accurate when it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX & TransUnion credit report on XXXX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 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 2025-04-28 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: AK

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 






XXXX  Account Number : XXXX Inquiry 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 non-monetary relief
Consumer complaint received 2025-04-28 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 listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: AR

Complaint narrative:
My report shows certain inquiries that do not appear to meet the requirement of permissible purpose as outlined in 15 USC 1681b. I believe these inquiries were unintended, and I am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: TX

Complaint narrative:
I am filing this complaint against Experian and Equifax because both companies are refusing to remove inaccurate and unverifiable information from my credit reports, despite having received multiple disputes and clear evidence that the account in question is invalid. 

The information they are reporting stems from XXXX XXXX XXXX ( XXXX ), a debt collector that failed to comply with federal law. XXXX did not provide me with the required written notice of the alleged debt and my right to dispute it under 15 U.S.C. 1692g of the FDCPA. The only communication I received from XXXX was an email on XX/XX/XXXX, stating they would soon report negative information to the credit bureaus. 

In response, I immediately sent a debt validation letter on XX/XX/XXXX, and later a cease and desist letter on XX/XX/XXXX, via certified mail with return receipt. XXXX ignored both communications and failed to provide proper validation of the debt. Instead, they only sent a lease and move-out statement, which does not demonstrate that XXXX has the legal authority to collect the debt or that I owe the alleged amount to them. 

Despite providing this information and documentation to Experian and Equifax in my disputes, both bureaus have repeatedly refused to delete the account. They have verified the information without properly investigating whether the reporting debt collector has complied with the law or whether the debt is legally valid and collectible. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), Experian and Equifax are required to conduct a reasonable investigation into any disputed information and delete any data that can not be verified. By continuing to report this inaccurate and unvalidated debt, they are violating their obligations under federal law and causing ongoing harm to my credit standing and financial wellbeing.

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 2025-04-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: MMG Law Group, PLLC
State: MI

Complaint narrative:
MMG Law Group is sending me a bill for {$1500.00}. The acct # : XXXX. They advised it was for a loan I took with XXXX XXXX XXXX in XXXX of XXXX. I never took this loan and I advised them I have never here as of XXXX XXXX XXXX. I requested a signed contract but instead I received a payout notice. The notice states fund were deposited on XX/XX/XXXX, but the loan defaulted on XX/XX/XXXX. My bank account closed in XXXX of XXXX, the bank confirmed no deposits were made in XXXX of XXXX. I filed bankruptcy in XXXX, and it wasnt discharged until XXXX. XXXX XXXX  wasnt one of the creditors from my bankruptcy. My Attorney believes XXXX XXXX XXXX purchased the old debt, and MMG is trying to collect on their behalf. I have never taken a loan or receive funds from XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
In XXXX  2025, I reported an unauthorized transaction on my Apple Card ( issued by Goldman Sachs ) in the amount of {$370.00} from XXXX XXXX. I provided supporting documentation promptly. 

Despite multiple communications, promised updates, and escalations, Goldman Sachs has failed to resolve the dispute over four months later. I have been repeatedly assured of follow-up that did not occur. 

The dispute was denied without explanation. Most recently, I was promised a call back within one business day that call did not occur. Today ( XXXX XXXX, 2025 ), I was again told it could take up to 10 additional business days, despite providing new documentation from XXXX confirming no record of the charge. 

As a responsible cardholder with over {$100000.00} in spending history with Goldman Sachs ( in less than 2 years ) and a perfect payment record, I find the handling of this case unacceptable. I am seeking a full reversal of the unauthorized charge and a written explanation regarding the mishandling of my dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Driveway Finance Corporation
State: CA

Complaint narrative:
I paid off my auto loan over 30 days ago and XXXX company is still holding a credit balance in my favor for {$45.00} I have called several times and practically they have ignored me

Company response to consumer: Closed with explanation