vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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: MS

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 2025-11-13 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: NC

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 that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: AL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Starmark Financial LLC
State: TX

Complaint narrative:
Someone was able to fraudulently access my account and got funds without my knowledge. when i did find out i immediately got account closed. however that loan was found in my credit report which myself did not authorize.

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 2025-11-13 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: NJ

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: CA

Complaint narrative:
Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Date Opened ( Reported ) : XX/XX/year> Balance : {$970.00} To Whom It May Concern, I am writing to dispute the above referenced collection account as fraudulent, inaccurate, and not authorized by me in any way. I have never opened an account, received services, signed any contract, or conducted any business with XXXX XXXX XXXX or with any original creditor they claim to represent. 
This account does not belong to me and appears to be the result of identity theft or incorrect data reporting. 

They claim that I have a phone number related to them, but my phone number is XXXX prior to that number it was XXXX my email address is XXXX, XXXX or XXXX ( connected To Equifax )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
Pay Pal permanently limited my account. I'm related to a President XXXX XXXX suspect wrongful doing. At one point my thought were even controlled, and I think my XXXXXXXX XXXX XXXX XXXX XXXX id also like to take legal action against XXXX for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One Bank is denying dispute without just cause or proper investigation and communication. 

Below are attached emails to capital one that once claimed they didnt received. Which then changed to not enough information or information not received in time. Which then changed to not submitted in proper time. 

I have a recorded call from today XX/XX/XXXX with another attempt to have bank investigate properly but wouldnt. Stated they would escalate it. 


Sent from my XXXX Begin forwarded message : From : XXXX XXXX XXXX Date : XX/XX/XXXX at XXXX EDT To : XXXX Subject : Claim XXXX XXXXXXXX Information Needed : The amount of credit you feel you're due ( if you received partial merchandise/services, we can't dispute the full amount ) - Full Amount {$260.00} Details of your return or attempt to return the merchandise, including tracking numbers if shipped Latest attempt was XXXX spoke with store manager XXXX. item is considered clearance and cant be returned, exchanged, nor can a refund be given I attempted on XX/XX/XXXX, I Spoke with store representative and was told item couldnt be exchanged. To contact customer service. 
XX/XX/XXXX, contact customer service. Customer service instructs me to return to store. Store will be instructed to call and get specific instructions to issue exchange. 
Attempted exchange at different location on XX/XX/XXXX, same result. No refund, exchange, or return available. 
Specific details explaining how the merchandise or service was different from what you expected to receive Item is faulty. Item is a high end gaming controller. Not only is the item bulky making extended gaming difficult. The directional pad input was highly inconsistent based on what device described as. Response time for device was no faster than a regular controller but was described and marketing as higher standard. 
Specific details explaining what was wrong with your purchase Item is faulty. Item is a high end gaming controller. Not only is the item bulky making extended gaming difficult. The directional pad input was highly inconsistent based on what device described as. Response time for device was no faster than a regular controller but was described and marketing as higher standard. 

Sent from my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OZK
State: AR

Complaint narrative:
Dear CFPB Representative, I am requesting that my complaint against Bank OZK be reopened for further review. The banks investigation was incomplete and did not follow the requirements of Regulation E ( 12 CFR 1005.11 ). 
Bank OZK denied my dispute related to XXXX XXXX transactions without ever requesting or reviewing the evidence I have of misleading and deceptive marketing practices used by the merchant. This documentation is material to determining whether the transactions were truly authorized. 
The banks response focused only on whether I entered the transactions, but not on whether my consent was obtained under misleading or deceptive circumstances. This is a crucial part of the dispute and directly impacts the authorization validity. 
I am attaching ( or have attached ) the evidence that I previously attempted to provide to the bank, including screenshots and promotional materials from XXXX XXXX that show false or misleading inducements to make purchases. 
Please have the CFPB require Bank OZK to reopen and complete a proper investigation that includes reviewing this evidence. I respectfully request that this matter not be closed as a duplicate because it concerns new information and a failure to comply with federal investigation standards. The last attachment is their response to my original complain. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: TX

Complaint narrative:
to report Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not consent to the furnishing or reporting of the following items : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion Despite my lawful request, you have continued collection activities without furnishing the required verification or providing documentation such as a judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: LA

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-11-13 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:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
XX/XX/year> Application for car loan information was fraudulently entered from dealership. 
Saleswomen forcefully made the decision to give me the car without offering any other options. Overall experience was rushed, not throughly explained and income given was not income verified to receive loan. Loan company doesn't offer any relief options for lower payments. I put in a inquiry for the car through online and was misquoted on actual price from advertisement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: SC

Complaint narrative:
I want the CFPB to compel the bureau to delete unverifiable accounts, inquiries and personal information and provide documentation proving their investigation method.

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 2025-11-13 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: SC

Complaint narrative:
I want the CFPB to compel the bureau to delete unverifiable accounts, inquiries and personal information and provide documentation proving their investigation method.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I used care credit to pay for some dental work. A week or so after the charge was put on the card care credit up and reduced my limit for no justified reason and without any explanation putting my account roughly {$1000.00} over my limit impacting my credit score negatively and making nearly impossible to pay off due to their ridiculous interest charges, card fees, etc. Im am being charged more in fees than the minimum monthly payment which does not seem right. I continued to make my payments on time and had signed up for the payment insurance as well but when I reached out to see about closing my account and making reduced payments do to extenuating circumstances ( unforeseen health issues which impacted work ) was told there was nothing they are willing to do. XXXX of a scam theyre running knowing customers are using their services in time of need. Talk about taking advantage of consumers.

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 2025-11-13 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: TN

Complaint narrative:
I am writing to formally dispute the following information on my credit report. As a consumer seeking to improve my creditworthiness, I request that the items listed below be thoroughly investigated and corrected as necessary. 

Inquiries : XXXX XXXX XXXX, XX/XX/year>

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 2025-11-13 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:
This is a follow-up complaint regarding [ Experian / XXXX XXXX XXXX  ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX vXXXX XXXX ( XXXX ), XXXX ( XXXX ), and XXXX v. XXXX ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : CHARGE OFF : 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 explanation
Consumer complaint received 2025-11-13 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: PA

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: IA

Complaint narrative:
My Discover credit card was frozen, and I was sufficiently notified of the new charge that I was not expecting. While the account was frozen, a charge unexpectedly posted. 

As soon as I discovered the charge and the balance, I paid it immediately. 

Despite this, Discover reported a late payment to the credit bureaus. This late payment is inaccurate because : 1. The account was frozen, and I was not anticipating any charges to hit the account.

2. The delinquency resulted from account handling errors outside my control.

3. I paid the balance immediately upon learning of it.

I disputed the reporting with XXXX, but they did not remove the late payment. I am requesting that Discover correct the reporting and update the tradeline to show no late payment, since the information being furnished is not accurate under FCRA standards. 

Please investigate this matter and provide correction of the inaccurate reporting. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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 am submitting this formal dispute statement to the Consumer Financial Protection Bureau ( CFPB ) to address the inaccurate and incomplete reporting of my credit accounts by the credit bureaus ( XXXX Experian, and XXXX ). After reviewing my credit reports, I have identified multiple discrepancies, including charged-off accounts, late payments, and inquiries that do not accurately reflect my credit history. 
XXXX. Charged-Off Accounts : Experian ( EX ) : XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$29000.00} XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$14000.00} XXXXXXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$10000.00} XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$4000.00} XXXXXXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$10000.00} XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$3600.00} XXXX. Inquiries in Dispute : Experian ( EX ) : XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX XXXX XXXX XXXXXXXX Date Open : XX/XX/XXXX XXXX XXXX  Date Open : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Date Open : XX/XX/XXXX XXXX XXXX Date Open : XX/XX/XXXX XXXX XXXX XXXX  Date Open : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX XXXX XXXX Late Payments in Dispute : Experian ( EX ) : XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX 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