vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 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:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-05 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
account is not mine need to be delete from credit 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 2025-06-05 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: MD

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law.

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-06-05 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: MD

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: TX

Complaint narrative:
These inquiries were not made by me, and I have no relationship with the listed creditors. I kindly request their swift removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: NC

Complaint narrative:
Between May 2930, 2025, I made multiple purchases from XXXX using my Capital One credit card for digital sweepstakes credits, advertised as redeemable for cash or prizes. In each disputed transaction, the credits were never delivered to my account, or were revoked, locked, or made unusable, so I could not redeem or withdraw any value. 

I filed disputes with Capital One, providing all possible documentationscreenshots, payment records, and evidence of non-receipt. Capital One denied these claims, stating I did not provide requested documentation, but they never explained what else was required, nor did they provide any proof from the merchant showing the goods or value were delivered or accessible. 

According to the Fair Credit Billing Act ( 15 U.S. Code 1666 ), the burden of proof is on the merchant/creditor to establish that the goods or services were actually delivered and acceptednot simply charged. Digital goods must be usable and accessible ; locked, revoked, or missing credits do not constitute legal delivery. Capital One failed to investigate properly or to provide documentation that these credits were ever delivered or could be redeemed as promised. 

I am requesting CFPB review and that Capital One be required to reopen these disputes, explain their denial decisions, and provide evidence of delivery or fulfillment as required by law. 

Key points : Digital goods were not delivered, usable, or redeemable. 
Capital One never provided proof of merchant fulfillment.

The burden of proof under 15 U.S. Code 1666 is on the merchant/bank.

I complied with all requests and provided all possible evidence ; no further documentation exists.

Please investigate Capital Ones handling of my disputes for compliance and require them to provide a full executive response. 
Capital One issued multiple responses to my disputes, sometimes for the same transaction, but the outcomes and explanations were inconsistent. In some letters, they stated they were still investigating ; in others, they denied the dispute outright or closed the case with different reasons. This inconsistency makes it impossible for me to know the real status of my claim or how to resolve it. I believe this reflects a failure to properly investigate and communicate as required by law Ive uploaded a few examples but there are XXXX disputes in total handled incorrectly

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Jennifer McCoy, PC
State: TN

Complaint narrative:
On XX/XX/XXXX I recieved a credit alert to my email which stated I had a non medical debt collection from XXXX XXXX XXXX XXXX. Upon contacting XXXX  to dispute the debt I asked them for the address abd contact number come to find out it was actually Jennifer McCoys Law office a corrupt law firm who has a monopoly on rental properties, this crooked calculating malicious attorney never informed me of any alleged debt instead she puts a collection on my account under a DBA. I allege this is a retaliatory attempt to collect on a debt I dont owe. Infact I moved out of one property in XXXX and was never given back my deposit and I also happen to work for the company as a part time leasing agent not only did they steal my deposit they also stole my leasing bonuses and 7 years later they claim I owe a bogus debt. This law firm worked with coving oaks ina previous complaint where this company controls apartments in the KY abd TN area first they conspired to have my last name chsnged in my equifax report abd I had to file more than XXXX complaints to get my last name corrected this law firm refused to let me have a rental verification abd claimed I was discriminatory forward dogs. I recorded the entire conversation with this law firm. I just started an application for a different apartment in XXXX and in XX/XX/XXXX this crooked law firm put a fraudulent collection on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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:
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 non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: MECHANICS BANK
State: OH

Complaint narrative:
Possible unauthorized transfer of auto loan from Mechanics Bank XXXX XXXX XXXX XXXX -- - Dear CFPB, I am writing to file a complaint regarding a vehicle loan that was originally financed through Mechanics Bank. 

I recently found out that my debt was transferred to a company called XXXX XXXX XXXX, but I do not recall authorizing this transfer. I was not properly notified, and I was not made fully aware of this possibility when I signed the original documents. 

After reviewing my loan paperwork, I have concerns that the disclosure about third-party assignment was not clearly explained. Additionally, the dealership where I purchased the vehicle ( XXXX XXXX ) did not clearly inform me about this kind of transfer or provide transparency about the financing terms.

I respectfully request the following : 1. Confirmation that the transfer of my debt was conducted legally and with proper notification.


2. Clarification on whether my personal data was handled according to consumer protection and data privacy laws.

3. An investigation to determine whether there were any unfair or deceptive practices by the lender or the dealership. 



Thank you for your time and assistance. I am willing to provide documentation if needed. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-05 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: MD

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Phone : XXXX Email : XXXX Date : XX/XX/year> To XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Subject : Formal Dispute of Unverifiable Late Payments Violation of 15 U.S. Code 1666b ( Timely Payments ) Dear XXXX XXXX XXXX I am writing to formally dispute the reporting of late payments on my credit file associated with my XXXX account. After reviewing my credit reports, I noticed that you are reporting late payments which I believe to be unverifiable, inaccurate, and in violation of federal law. 

Under 15 U.S. Code 1666b, a payment received by XXXXXXXX XXXX local time on the due date at the specified address or method of payment can not legally be reported as late. Unless you can produce clear and complete documentation verifying that the alleged payments were received after the legal cutoff time on the date due, the negative reporting constitutes an illegal act and must be immediately rectified. 

Additionally, as a data furnisher under the Fair Credit Reporting Act ( FCRA ), you are obligated to report only information that is accurate and verifiable. The continued reporting of these alleged late payments without documentation violates your legal duty to ensure the integrity of credit information. 

I am formally requesting the following : 1. A full investigation into the alleged late payments.

2. Immediate deletion or correction of any unverifiable or inaccurate late payment notations.

3. A written response confirming the outcome of your investigation within 30 days as required by law. 

If this matter is not resolved promptly, I will be forced to escalate the issue by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant regulatory agencies. I also reserve the right to pursue legal action for harm caused by the inaccurate and unlawful reporting. 

Please direct all written correspondence to the mailing address provided above. 

Sincerely, 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 2025-06-05 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: TX

Complaint narrative:
I am the victim of identity theft and recently discovered several unauthorized inquiries on my credit report that I did not initiate. These inquiries appear to be attempts by third parties to access my credit for fraudulent purposes.

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 2025-06-05 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: NC

Complaint narrative:
I have disputed these accounts multiple times only for them to be updated ( continuing to report inaccurate information ) or re aged. With duplicate charge offs reporting from late XXXX, inaccurate information reporting all throughout my credit report. This company has failed to properly investigate these matters, dispute after dispute and continues to report inaccurate information to my credit report further hurting my chances of obtaining credit and violating my rights under the FCRA. 

I have disputed these accounts with the credit bureau and directly with the creditors with my most recent letters sent out today on XX/XX/year>, and I am filing this complaint with the CFPB to assure that the investigation into these matters are properly investigated. 

Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) requires credit reporting agencies to maintain reasonable procedures to ensure the maximum possible accuracy of the information they report.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) requires that information found to be inaccurate or unverifiable be promptly deleted from a consumers file following reinvestigation.

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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