vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 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:
I am a victim of a recent data breach, and I have discovered fraudulent accounts on my credit profile. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), kindly block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$380.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$380.00} Inquiries XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL AUTO FINANCIAL, INC.
State: CA

Complaint narrative:
Complaint Against Capital Auto Financial Inc. for Failure to Register Vehicle and Withholding Financial Information Dear Sir/Madam , My name is XXXX XXXX , and I am filing this complaint against Capital Auto Financial Inc. , located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX , for failing to complete the registration process of my vehicle and for withholding financial information related to my account. 

I spoke with their representative XXXX, who assured me that the registration of my vehicle with the DMV was already in process, and that I would receive both via email and physical mail the corresponding DMV case number to track the status directly with the DMV, along with a detailed summary of the payments made to date and the balance of my debt.

To date, I have not received any of these documents despite multiple attempts to contact and follow up. This situation is causing me legal and financial problems because : I can not verify the registration status of my vehicle with the DMV.

I have not received a payment history or updated account balance.

The finance company continues to fail to provide evidence or formal documentation of the processes they claim to have handled.

I believe this company is engaging in negligent and risky practices toward consumers by managing loans without fulfilling their basic obligations regarding information and vehicle registration.

Account Information : Name : XXXX XXXX XXXX XXXX : XXXX Financing contract with Capital Auto Financial Inc.

I request a formal investigation into this finance company and that they be required to immediately provide the requested documentation and complete the vehicle registration as required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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. 

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 XXXXXXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX  - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal, has violated my rights.

I looked at my credit bureau Transunion credit report on May 30,2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

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

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( 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. I kindly request that you block this information from my credit report within four business days

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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the 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 consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: CA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: DISCOVER BANK
State: VA

Complaint narrative:
Purchased 2 sweaters through XXXX for {$56.00} on XX/XX/XXXX, order XXXX, discover case # XXXX. 

Requested refund from XXXX and they stated that I needed to ship to company direct in XXXX, although the package was shipped from XXXX, NY. The cost of shipping was over {$25.00}. The company offered me a 20 % coupon on future purchases. I requested they refund the total cost of the purchase. I also reached out to Discover after the company declined my request. All this information is included in the attachments. Discover reviewed and declined the refund due to 'insufficient informtion ' so I reopened the claim with additional information and it was re-declined for the same reason. Before filing with your agency, I researched and found the discover leadership and mailed a packet out to 7 of the leaders on their website - we just recently received another re-re-decline with the same reason. 

I saw sweater on XXXX  XXXX, and XXXX  XXXX and purchased the sweaters via their website, thinking it would be legit business. However, the advertised product ( XXXX ) were not what I received. The photos showed bulky/knit design but the items recieved were a similar design printed on white/stretch/knitted material. Essentially a bait and switch deal as I stated in my letter to discover leadership. The product quality was that of XXXX products. In fact, my husband did some additional research and discovered the same complaints posted on various websites. 

As a card member for over 35 years, this past year, I filed to disputes, that is referenced in the letter. The first one was for an XXXX purchase where the same bait and switch with the advertising occurred for XXXX XXXX product where they showed the advertised product ( orginial ) but was shipped a generic product from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: MD

Complaint narrative:
Discovering an error indicating a late payment on my account, despite my consistent adherence to payment deadlines, is disheartening. This oversight is generating unnecessary stress, and I urge you to promptly rectify the situation by updating my records accordingly.

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 2025-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: IA

Complaint narrative:
I've paid the debt to the orginal creditor ( XXXX ). I've sent various collectors this debt has went to the bank statements as proof this debt was paid. I've disputed this claim through the credit reporting agencies, however my dispute keeps getting denied even with payment proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint against Experian due to its failure to investigate and respond to a legitimate and fully documented dispute regarding multiple inaccuracies on my credit report. Experians inaction constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ) and raises serious concerns about its adherence to federally mandated consumer protection standards. 
On XX/XX/year>, I sent a detailed dispute letter to Experian via XXXX Certified Mail ( Tracking Number : XXXX ), formally requesting an investigation into the following items : - XXXX XXXX XXXX ( Reference # : XXXX ) - Inaccurate personal information listed on my credit profile - Unauthorized inquiries To ensure proper identity verification, I included all required documentation : A copy of my government-issued photo ID, social security card , recent utility bill reflecting my current address. According to XXXX tracking records, the dispute letter was delivered to Experian on XX/XX/year>. 
As of todaywell over 30 days laterI have received no response, no updates, and no results from Experian regarding the outcome of my dispute. This failure to conduct a reinvestigation and provide a timely response is a direct breach of Experians legal obligations under the FCRA. 
Under the Fair Credit Reporting Act ( FCRA ), Experian is legally obligated to conduct a reasonable investigation and provide the consumer with the results within 30 days of receiving a valid dispute. Experian has failed on all counts. This level of negligence obstructs my ability to maintain an accurate credit report and directly harms my financial standing. Moreover, Experians noncompliance undermines consumer trust and calls into question the bureaus commitment to federal regulations. 
I am attaching a copy of the original dispute letter and XXXX certified mail proof of delivery as evidence of my effort to resolve this matter in good faith.

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 2025-05-30 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: SC

Complaint narrative:
I've tried to submit a dispute with Equifax online and was unable to. so, i wrote a letter requesting the removal of the invalid information. i have provided my correct name address etc. and equifax continues to report mis information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
I am writing to formally dispute the continued reporting of an open balance on an account that has been paid in full. I am enclosing a letter from the creditor confirming the account was satisfied. Despite this, the balance continues to be reported inaccurately on my Experian credit file, more than five years after resolution.

This reporting violates multiple provisions of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : You were required to investigate this dispute and correct or delete the inaccurate information within 30 days.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : You are obligated to delete or correct any entry that is found to be inaccurate or unverifiable.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : The creditor has an ongoing duty not to furnish false or outdated information, including an erroneous balance.

It is clear that this continued misreporting has caused significant harm to my creditworthiness. My credit score has suffered materially as a result of this unresolved error, limiting my access to favorable credit terms and causing reputational and financial injury.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I was recently informed that XXXX XXXX  reported to Chex system a charge off of XXXX back on XX/XX/year> which was not true nor is their any records of why n what it was charged off for. They closed my acct and was suppose to send XXXX check to me which was in my account. I never got this check but indeed my account was closed. 

I was opening a credit union acct how I got knowledge of my information with the false claim of this. Please help get this off my record its false and never happened. Id like this taken off asap because its not a true statement nor is there any proof to this happening

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 2025-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
On XX/XX/year>, I submitted a debt validation request to Spring Oaks Capital via email, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. As of today, they have failed to respond or provide the required documentation to validate the alleged debt.

This lack of response is a violation of the FDCPA. Despite not validating the debt, Spring Oaks Capital has continued to report the account to the credit bureaus and/or pursue collection, which is unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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:
I have never given any credit bureau written consent to report any non public personal information to my credit report. This is a violation of my right for privacy. It is is defamation of my character. I am demanding the accounts listed to be deleted from my credit report immediately Here are the accounts I want to be deleted based on FCRA 650b15 USC 1681c-2 XXXX  XXXX XXXXXXXX XXXX XXXX This is my formal written request for these accounts to be deleted immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: MI

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Service International Corp
State: LA

Complaint narrative:
I am sending this asking for your help to file a formal complaint against CRDT SVC INT regarding an account I have with them XXXXXXXX XXXX XXXX I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : CRDT SVC INT ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with CRDT SVC INT buttonoavail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
This is a follow up to a previous claim I made with CFPB under claim XXXX XXXXXXXX filed on XX/XX/year>. This claim was improperly closed on XX/XX/year> after CFPB apparently received a reply from Truist Bank claiming that it had responded to my initial claim. Unfortunately, I have not received a response ot return of my {$50.00} initial deposit as of today, XX/XX/year>. In my XX/XX/year> claim I filed with CFPB, I made the following claim : In an attempt to open a new checking account, I met with a Truist Bank customer service rep at a local branch XXXX XXXX XXXX XXXX XXXX, XXXX  on XX/XX/year>. XXXX XXXX is XXXX XXXX, introduced herself as XXXX XXXX. After providing legal docs such as XXXX  XXXX and XXXX  card, a checking account was opened. I made a {$50.00} cash deposit before leaving the branch. I received an initial Debit card, a new personalized checkbook, and invitations to open credit card accts with Truist plus other disclosures in the mail. However, later I learned the acct had been locked out as I no longer could access my acct online. Later I received many more documents from " XXXX XXXX XXXX XXXX  '' explaining the acct had been closed permanently. There has been no explanation why the acct was closed. Now, more than a month later, I still have not received a refund for my initial {$50.00} deposit. When I called that same branch and spoke with XXXX XXXX today, she was unable to explain why I had not received a refund and proceeded to hang up the phone. I need my {$50.00} deposit returned and I absolutely reason/reasons for closure.

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