vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-14 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: CA

Complaint narrative:
Equifax credit bureau is reporting a late payment with XXXXXXXX XXXX ( auto loan ) for the month of XX/XX/year>. This is incorrect. This payment was made on XX/XX/year> reference number XXXX. I am requesting that this be corrected and marked as paid on time and remove the 30 day late across all 3 credit bureaus ( Equifax, Experian, and Transunion ).

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 2025-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: B9, Inc.
State: ID

Complaint narrative:
I have to processing charges on my account for a XXXX order. XXXX and XX/XX/XXXX. My account says " processing, waiting for final amount to to post '' my final amount posted 10 days ago and they still have 2 amount processing. One is in the amount of XXXX and the other XXXX. This has put my family in a financial hardship. B9 says I have to wait until XX/XX/XXXX for processing, I dont understand this because all it says is waiting for final amount to post and it has. They will not help me or give me a reason why.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are multiple incorrect and outdated addresses appearing on my credit report. I only have ONE current address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 
I have requested these inaccurate addresses to be removed, but they remain on my report. These incorrect addresses are causing inaccurate reporting and potential file-mixing. I am requesting that ALL outdated or incorrect addresses be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are multiple incorrect and outdated addresses appearing on my credit report. I only have ONE current address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 
I have requested these inaccurate addresses to be removed, but they remain on my report. These incorrect addresses are causing inaccurate reporting and potential file-mixing. I am requesting that ALL outdated or incorrect addresses be deleted 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 explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or misleading advertising or marketing — 
Company: MoneyLion Inc.
State: PA

Complaint narrative:
I received an email from MoneyLion stating that there was a repayment failure for a previous loan. I went to another site to take out a loan to repay it and fount that there was no such repayment from MoneyLion. This was incredibly deceptive.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
debt collection company claims that i owe {$1200.00}.

A proof of claim was sent ( PRA ). they are now trying to shift the burden of proof on me.

FAILED TO PROVIDE A SUBSTANTIVE OR LEGALLY SUFFICIENT RESPONSE TO MY IDENTITY THEFT PROOF OF CLAIM. INSTEAD OF ADDRESSING THE MERITS OF MY FILING, PRA TRANSMITTED A GENERIC INSTRUCTIONS REGARDING THE INITIATION OF AN IDENTITY THEFT DISPUTE. SUCH CORRESPONDENCE DOES NOT CONSTITUTE A RESPONSE OR REBUTTAL

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 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: FL

Complaint narrative:
This letter is formal written notice that the account ( s ) below were opened or used fraudulently and without my authorization. Your company issued credit using my compromised personal information, constituting an unauthorized extension of credit under the Fair Credit Reporting Act ( FCRA ). Effective immediately, you are directed to cease all communication with me regarding this account ; cease furnishing, verifying, or reporting this account to any consumer reporting agency ; and block and delete all information associated with this fraudulent account from your internal systems and all third-party databases within four ( 4 ) business days of receiving this notice, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). You must also notify all consumer reporting agencies ( Experian, Equifax, and TransUnion ) that this account has been determined to be fraudulent and must be deleted and suppressed from future reporting, consistent with FCRA 623 ( a ) ( 2 ).

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 2025-12-14 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: NJ

Complaint narrative:
XXXX XXXX XXXX has continued to report an inaccurate amount of {$3000.00}, which they transferred from XXXX  to TransUnion. They first sold the debt to XXXX XXXX XXXX, and when I disputed it with TransUnion, the agency confirmed the debt as accurate, without providing any evidence of how they verified the account. XXXX XXXX XXXX, a XXXX XXXX company, has a branch in New Jersey and operates as a XXXX  with terrible management. The city of XXXX, along with the XXXX  XXXX XXXX XXXX ( XXXX ), canceled their operation with tenants due to issues like a broken sewer, sanitation problems, a flooded basement with rats, and spilled chemicals. At the time, the New Jersey XXXX  XXXX XXXX XXXX was covering my rent at XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. Because they abused the living conditions and broke laws, they also cancelled my tenancy with them. I don't owe them any money at the time. I also uploaded pictures and evidence of the building. I kindly request that XXXX XXXX XXXX and TransUnion remove this amount from my credit report and any other reporting, as it is inaccurate and false.

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 2025-12-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital one overcharging our account and a pass I had a a business account and my credit card account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: CA

Complaint narrative:
Equifax credit bureau is reporting a late payment with XXXXXXXX XXXX ( auto loan ) for the month of XX/XX/year>. This is incorrect. This payment was made on XX/XX/year> reference number XXXX. I am requesting that this be corrected and marked as paid on time and remove the 30 day late across all 3 credit bureaus ( Equifax, Experian, and Transunion ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: NJ

Complaint narrative:
recently reviewed my credit report and noticed an account that was not reporting accurately. I had late payments reported on an account that was, in fact, paid on time. Consumer reporting agencies are required to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint showing the following dates : ( XX/XX/year> ). 

I am now requesting that you investigate this account and update the payments to paid immediately. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 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: NJ

Complaint narrative:
recently reviewed my credit report and noticed an account that was not reporting accurately. I had late payments reported on an account that was, in fact, paid on time. Consumer reporting agencies are required to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint showing the following dates : ( XX/XX/year> ). 

I am now requesting that you investigate this account and update the payments to paid immediately. Thank you.

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 2025-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XXXX, XXXX I paid bill online to Bread Finacials credit card due date on XX/XX/2025 from my XXXX XXXX checking account which screen shot i provided to the secured website message. The fee post on my account on XX/XX/2025 {$30.00} ( late fee ) and i called the agent service and he said that only ( {$15.00} ) can be waived. and then later on he said that if I promised to continue use the credit card he will waive all the fee ( {$30.00} ). so later that day, i send the secured message with images support that i did not pay late which was did not show the time stamp to prove that i pay on time. The fee was waived only {$15.00}. later i can submit another images with time stamp that was XX/XX/2025.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-14 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: TX

Complaint narrative:
I have reached out numerous times to my disbelief and discuss and discouragement with Equifax regarding negative accounts which are completely fraudulent due to identity, theft, and multiple Equifax data breaches as well as Transunion as well as Experian and their numerous data breaches and the identity theft that is taken place. I have struggled with this identity theft over the last three years, trying to replace the pieces of my life, during this period of time I have begin a journey on understanding the fair credit reporting act as well as the fair debt collection practices act, and in that I see numerous violations do and committed egregiously by Equifax and Transunion. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is my final warning. I asked that the consumer financial protection bureau do everything in his power to help me to eradicate These fraudulent and misled issues with my data by Equifax and Transunion, the other perpetrators, XXXX sage stream and invoice data solutions. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I am not a ( Credit Repair company. ) I am not a ( XXXX XXXX consultant. ) I am very well-versed in the laws and Ive given sworn testimony to this that the. VIOLATIONS FCRA/ Fair Debt Collection Practices Act ) ) -15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b -Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm- leach-Bliley Act.Im requesting under the 15 USC 1681B c-2 that information that has been procured from identity theft be blocked completely blocked. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is also a ( CEASE and DESIST ) of, the fraudulent accounts to being reported and any reporting is as such as collection activities. This is my second CFPB complaint with Equifax about the accounts ( Under 15 U.S. Code 1605 ( a ), if a finance charge was included, there should be no late payments on this account.15USC 1681a ( 2 ) ( I ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section ( 1681s3 ) of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report INQUIRES ) EQUIFAX, EXPERIAN AND TRANSUNION-

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: AL

Complaint narrative:
I am submitting this complaint against Hunter Warfield , Inc. for attempting to collect and/or report a debt that is legally unenforceable and inaccurate due to state and federal XXXX XXXXXXXX protections. 
The alleged debt arises from a housing tenancy impacted by documented XXXX XXXX. Under Alabama XXXX XXXX, victims of XXXX XXXXXXXX are legally protected from continued lease liability when the tenancy is affected by abuse. Any attempt to collect, assign, or report a debt under these circumstances violates Alabama law. 
Despite these protections, Hunter Warfield has continued collection efforts and/or credit reporting, causing financial harm and distress.

Federal Law Violations Hunter Warfields actions violate multiple federal consumer protection statutes, including : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 1692e Misrepresentation of the legal status of a debt 1692f Unfair and unconscionable collection practices 1692g Failure to cease collection activity after dispute Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 1681s-2 ( a ) Furnishing inaccurate or misleading information 1681s-2 ( b ) Failure to conduct a reasonable investigation after dispute Reporting a debt that is legally unenforceable constitutes inaccurate reporting Violence Against Women Act ( VAWA ), 34 U.S.C. 12491 Federal law recognizes economic and housing-related abuse as forms of domestic violence and seeks to protect survivors from further financial harm.

Harm Caused Unlawful collection attempts Potential or actual credit reporting of inaccurate information Financial and emotional distress caused by pursuing a debt barred by law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: NY

Complaint narrative:
XXXX had a glitch on my card where it decline and refunded my credit card XXXX times on XX/XX/XXXX, putting me into XXXX on my balance. Then, I assume XXXX tried to revert the refunds and charge my XXXX times but in addition of extra {$1200.00}. Capital One attempted a dispute the balance for the extra {$1200.00} but only disputed {$1000.00}, leaving an incorrect balance of about {$400.00} instead of the correct ~ $ XXXX.I have contacted customer support multiple times and was repeatedly transferred without resolution. I am requesting correction of the balance, restoration of provisional credit, and waiver of interest/fees during the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southwest Credit Systems, L.P.
State: DE

Complaint narrative:
Southwest Credit Systems , L.P. reported a collection account to my credit for an alleged Comcast balance that included a {$210.00} early termination fee that I never agreed to, never authorized, and never triggered.

I disputed the debt and requested validation, specifically challenging the legitimacy of the termination fee and Southwest Credit Systems authority to collect it. Southwest Credit Systems failed to provide proper validation and subsequently removed the account from my credit report.

Removal of the account following dispute demonstrates that the debt could not be substantiated. Despite this, the account was furnished to the credit bureaus prior to completing a reasonable investigation or ensuring the accuracy of the information.

Reporting an unverified debt even temporarily causes real credit harm and violates the obligation to ensure maximum possible accuracy before furnishing information.

I am requesting : Written confirmation of the documentation relied upon to report this account Copies of any validation materials allegedly supporting the debt Confirmation that the account will not be reinserted, transferred, or resold Documentation of the investigation that resulted in removal This complaint is submitted to document improper credit reporting and unlawful collection activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Delete and Remove Charge-Off - Stellantis Financial Services Account number XXXX, the car was stolen on XX/XX/year> and a police report was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: GA

Complaint narrative:
Delete and Remove Charge-Off - Stellantis Financial Services Account number XXXX, the car was stolen on XX/XX/year> and a police report was made.

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 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Maximus Federal Services, Inc.
State: MN

Complaint narrative:
I submitted an initial fraud report on XX/XX/year>, due to unknown accounts and inquiries for which I neither authorized nor had knowledge. I have been trying to place a security block and freeze on my account, and I have attempted to block specific items on my report. Although I have submitted numerous FTC reports and CFPB complaints this year, the CRAs continue to verify the accounts, refuse to block the information, and fail to conduct appropriate verification. In XXXX of XXXX XXXX XXXX XXXX XXXX  marked XXXX of my student loan accounts as 120 days past due. I was not informed of my school loan servicer, and I was still enrolled in school during that time. However, Aidvantage stated that I was required to repay my student loans and that I was 120 days past due. Aidvantage did not notify me that they were my student loan servicer until XXXX of XXXX, via email. In XXXX, I was also informed that my Social Security number was involved in XXXX data breaches, including Equifax, prompting me to place a credit freeze and send letters to the CRAs to block access to my information. I went to the police and filed a police report, and filed numerous FTC reports for the items I did not recognize on my report. I notified all of my creditors including Aidvantage and they continue to state I had to submit my information to them. The only response would be the same letter, requiring additional documentation regarding my identity, which has been submitted. I continued to receive the same treatment from the CRAs as well. It didn't matter how often I sent the documentation or where I sent it ; they continued to demand additional verification methods over the past year. I have learned is that the FTC reports are primarily ignored by the CRAs, who continue to report what they want, regardless of whether it violates the law, and this is detrimental to people 's lives.I have repeatedly submitted a new FTC report, but the agencies treat it as a dispute rather than identity theft. They are to block the items identified by the consumer as identity theft. Instead, they make their own decisions about what to include in the consumer report. I have received numerous letters from each agency stating they are unable to provide a block, and I will proceed with arbitration with all three agencies if I do not receive a remedy for this situation.

Company response to consumer: Closed with explanation