vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 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 2025-08-23 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Experian removed my credit cards from my credit report. Every time I dispute a mistake they make the removed the card from my account entirely. I call and they tell me my banks removed the account. My bank said they didn't not and can not remove any information from Experian 's system. I filed a complaint on XX/XX/XXXX initially. Then again in XX/XX/XXXX. The account is my XXXX XXXX XXXX  credit card ending in XXXX. I had that XXXX XXXX XXXX  account since XXXX. The account was on my report since XXXX but when I file a complaint because they were reporting incorrect balance, Experian deleted the card from my Experian report which affect my credit score with Experian. Experian is not representing my credit information accurately because they have removed a open and currently active credit card from my account. This card is on my XXXX  and XXXX  credit reports with all the correct information. My bank, XXXX, has sent multiple Letters of Assertion to Experian to have them restore my credit account to their reporting system but Experian failed to add the information sent by the bank. Experian has not added the information to my credit report. My banks said they never authorized Experian to remove any of my information. They number to the XXXX XXXX for XXXX XXXX XXXX is ( XXXX ) XXXX. I, XXXX XXXX, authorized the submission of this complaint and I am requesting assistance from the Consumer Financial Protection Bureau to, please, help resolve this matter. I did contact Experian several time regarding this matter. My concern and issue is the inaccurate credit information on my Experian credit report. Missing information from a credit report affects credit rating tremendously. I would like Experian to restore the XXXX XXXX Unlimited credit card account back to my Experian report so that my information in the system is accurate, please. I have attached the noticed from Experian when they deleted my account and a new notice from XXXX XXXX  asking Experian add this account to my personal credit report. I should have a total of 5 XXXX accounts listed on my Experian report. There are only 4 accounts because Experian deleted one. 
thank you kindly 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 2025-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
A fraudulent XXXX XXXX account in the amount of {$490.00} was reported on my credit file ( reported XX/XX/2025 ). I never applied for, opened, or authorized this account. I requested validation and proof of contract, but none was provided. Under FCRA 605B and 623, this account must be deleted as identity theft information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-08-23 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: FL

Complaint narrative:
I am filing a complaint to formally dispute the accuracy, completeness, and legality of certain information currently being reported on my credit file. After reviewing my credit reports, I found multiple charge-off accounts, collection accounts, and inquiries that either lack proper documentation, were reported in violation of federal law, or are the result of identity theft.

First, I request the deletion of the following charge-off accounts, as no IRS Form 1099-C has ever been issued for cancellation of debt in amounts exceeding {$600.00}, rendering these entries unverifiable and unlawful : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Balance Owed : {$17000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Balance Owed : {$19000.00} Furthermore, I request the removal of the following collection accounts, as they are the result of identity theft and must be blocked from my credit report in compliance with FCRA 605B / 15 U.S.C. 1681c-2, which requires credit reporting agencies to block reporting of information resulting from identity theft when a proper identity theft report is provided : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$5300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$6600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$5300.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$9400.00} Lastly, I dispute the following inquiries, as they do not meet the requirements of permissible purpose under FCRA 604 ( a ) / 15 U.S.C. 1681b ( a ) and may constitute a violation of FCRA 619 / 15 U.S.C. 1681q if obtained under false pretenses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with FCRA 611 ( a ) / 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation of these items. If the furnishers of this information can not provide verified, accurate, and complete documentation, these accounts and inquiries must be deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a complaint to formally dispute the accuracy, completeness, and legality of certain information currently being reported on my credit file. After reviewing my credit reports, I found multiple charge-off accounts, collection accounts, and inquiries that either lack proper documentation, were reported in violation of federal law, or are the result of identity theft.

First, I request the deletion of the following charge-off accounts, as no IRS Form 1099-C has ever been issued for cancellation of debt in amounts exceeding {$600.00}, rendering these entries unverifiable and unlawful : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Balance Owed : {$17000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Balance Owed : {$19000.00} Furthermore, I request the removal of the following collection accounts, as they are the result of identity theft and must be blocked from my credit report in compliance with FCRA 605B / 15 U.S.C. 1681c-2, which requires credit reporting agencies to block reporting of information resulting from identity theft when a proper identity theft report is provided : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$5300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$6600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$5300.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$9400.00} Lastly, I dispute the following inquiries, as they do not meet the requirements of permissible purpose under FCRA 604 ( a ) / 15 U.S.C. 1681b ( a ) and may constitute a violation of FCRA 619 / 15 U.S.C. 1681q if obtained under false pretenses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with FCRA 611 ( a ) / 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation of these items. If the furnishers of this information can not provide verified, accurate, and complete documentation, these accounts and inquiries must be deleted from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-08-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Opportunity Financial, LLC
State: RI

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX Opportunity Financial , LLC ( OppLoans ) and their collection agency, XXXX, regarding a personal loan. 

Details : Loan originated : XX/XX/year> Loan amount : {$1700.00} Creditor : XXXX XXXX XXXX  ( serviced by OppLoans ) Collection agency : XXXX Account ending in : XXXX Issues : XXXX. Usurious Interest Rate ( XXXX  % XXXX ) : The loan agreement states an XXXX of approximately XXXX  %, which is far in excess of XXXX XXXX statutory maximum of XXXX  % XXXX ( XXXX XXXX XXXX XXXXXXXX ). Under XXXX XXXX law, such loans are void and unenforceable.

2. Incorrect Payment Records : My account summary from the collector claims I paid {$0.00}, but I made multiple payments through XX/XX/year>. They have not properly credited my payments.

3. Failure to Provide Verification : I requested verification of the debt as permitted under the Fair Debt Collection Practices Act ( FDCPA ). Instead of providing documentation ( signed loan agreement, itemized payment history, balance calculation ), the collector merely directed me to log in to a portal, which does not satisfy verification requirements.

4. Continued Collection Without Validation : Despite not providing proper documentation, the collection agency has continued attempting to collect, which violates the FDCPA. 

Requested Resolution : Stop all collection activity until the debt is properly verified. 
Correct the payment records to reflect amounts I actually paid. 
Investigate the usurious interest rate and determine whether this loan is enforceable under Rhode Island law. 
Require the lender and collection agency to cease unlawful practices and provide restitution if applicable. 

Attachments ( if allowed by CFPB system ) : Promissory Note showing XXXX  % APR. 
Account history screenshot showing {$0.00} paid. 

Thank you for your assistance in resolving this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

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 reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. 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 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 2025-08-23 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: Experian Information Solutions Inc.
State: AZ

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 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 2025-08-23 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: FIRST PORTFOLIO SERVICING INC
State: WA

Complaint narrative:
b'Subject: Revvi Card  Ongoing Violation of Regulation Z During Fraud Dispute (CFPB Case XXXX)\n\nThis is a follow-up and escalation to CFPB Complaint XXXX Although the CFPB sent the original complaint to Revvi on XXXX XXXX XXXX, the company has continued to violate Regulation Z and the Truth in Lending Act (TILA) by applying interest, demanding payment, and failing to resolve the open dispute.\n\nRevvi continues to send text messages and emails demanding payment, despite the formal dispute being lodged and under CFPB review.\n\t\tTheir justification that the charges were made within my state does not satisfy the legal burden of proving authorization under Regulation Z, which requires actual consent, not geographic proximity.\n\t\tRevvis investigation was clearly inadequate. No digital wallet was used, and the purchasesmany at gas stations, casinos, bars, and local restaurantsdo not match my activity or behavior.\n\nThis company is actively violating federal law by continuing to charge and pursue collections during an open dispute. I ask that this complaint be escalated, and I am preparing complaints for the OCC, Washington State Attorney General, and FTC.\n\nThank you for reviewing this follow-up.\n\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
Dear CFPB, / CREDIT COLLECTION SERVICES XXXX XXXX XXXX CO XXXX XXXXXXXX XXXX XXXX  : I am filing a complaint regarding a debt collection account that appears on my credit report without my knowledge or consent. I have no relationship with the company reporting this debt and was never notified or contracted with the original creditor. I dispute the validity of the alleged debt and formally request an investigation. 
Under my rights granted by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I have demanded full validation of the debt, including : - [ x ] Full Itemized Statement shows how the balance was calculated - [ x ] Forward Flow Agreement proves debt was legitimately transferred to collector - [ x ] Chain of Title / Assignment Documents shows proper legal transfer of debt ownership - [ x ] Payment History Records verifies payments made or missed - [ x ] Validation Notice per FDCPA 15 USC 1692g proof they sent me proper notice - [ x ] Notice of Default or Intent to Collect proof of communication as required by law - [ x ] Proof of Statute of Limitations confirms the debt is still legally collectible - [ x ] Credit Reporting Agreement agreement allowing them to report to bureaus - [ x ] Documentation of Dispute Investigations proof they investigated my previous dispute under FCRA 15 USC 1681i If these can not be provided, the debt is unverifiable and must be deleted. Continuing to report an unverified, disputed debt violates FCRA 1681e ( b ), 1681s-2 ( b ) and may result in liability under FCRA 1681n and FDCPA 1692k.

Furthermore, I submitted a cease and desist notice under FDCPA 805 ( c ) / 15 U.S. Code 1692c ( c ). Any continued contact without proper validation is considered harassment and a violation of federal law.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: Experian Information Solutions Inc.
State: OH

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 XXXX 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 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 2025-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Chase is engaged in banking fraud. They continue to charge me excessive fees to steal my deposits. I have my paycheck deposited into my savings account weekly to cover expenses when I use my debit card but instead of Chase taking the money directly from my savings they charge me {$34.00} allegedly because I do not have funds but I do. This fee is excessive because it takes my money for transactions I can cover. They always respond stating the fee is for insufficient funds but the funds are available! I really do not want to change banks because Chase has been great but I can not understand how they charge so much when I have the money to cover these expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear TransUnion, I'm writing for dispute an unauthorized inquiry on my credit report, the inquiry was made without my authorization. I request to delete this inquiry immediately. Under The Fair Credit Report Act, the inquiries must be made with my previous authorization. In case that don't have my authorization. TRANSUNION MUST DELETED THIS INQUIRY OF MY CREDIT REPORT IMMENDIATELY. The inquiry is : ( LIGHTSTREAM - 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 2025-08-23 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: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation