vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681, Section 602, I have the right to privacy. Additionally, 15 USC 1681, Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written authorization. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

This submission adds supporting documentation for my previous complaint [ CFPB Complaint ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding inaccurate late payments reported on my federal student loans and credit card. The documentation demonstrates my accounts were XXXX ( Paid As Agreed, Never XXXX ) and supports removal or correction of these inaccurate entries. 

The reporting of multiple late payments on my federal student loans by Experian is not reflected in TransUnion reports, demonstrating a discrepancy that raises serious questions about the accuracy and verifiability of this information under 15 USC 1681i ( a ). The credit bureau must be able to verify all reported information with the original source. 

I request Experian to provide verifiable documentation confirming the XXXX, XXXX, and XXXX delinquencies reported on my Dept of EdXXXX accounts in XXXX, XXXX, and XX/XX/XXXX. If Experian can not provide this verification, these items must be permanently removed from my credit report under 15 USC 1681i ( a ) ( 5 ). 

I also dispute the reporting of a XXXX late payment in XX/XX/XXXX on my Capital One credit card account, which is now closed. According to my records, all payments were made on time and the account should reflect XXXX ( Paid As Agreed, Never Late ) status. Reporting this closed account as late constitutes inaccurate information in violation of 15 USC 1681e ( b ), which requires maximum accuracy of credit reporting. I request that this inaccurate late payment be investigated, corrected, or removed and that written confirmation of the corrected status be provided to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I created a new TD Bank account, and a debit card was mailed to me, but I never received it. On XX/XX/year>, at around XXXX XXXX, while I was at the XXXX XXXX Library, I received a notification by app and email that someone had withdrawn {$700.00} using my TD Bank debit card, which I never received. I immediately locked the card, and shortly after, another unauthorized attempt for {$420.00} at XXXX XXXX XXXX was declined because the card was locked. 

I then canceled the card and filed a dispute with TD Bank. I also filed a police report with the XXXX XXXX Precinct ( case number XXXX ) and attached it in my dispute claim with the bank. I never authorized anyone to access or use my account, and I did not share my information with anyone. This was a new checking account funded with {$1000.00}, and I had never used the debit card since it was still in transit and never arrived.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ACIMA CREDIT, LLC
State: MD

Complaint narrative:
writing to report an unauthorized transaction that recently appeared on my checking account statement. XX/XX/year> A charge of {$1600.00} was posted with the reference number XXXX, associated with XXXX XXXX XXXX '. 
I did not make this purchase, nor did I authorize this transaction in any way. This charge was not initiated by me. 
I request an immediate investigation into this matter and the prompt reversal of this unauthorized charge. 

Please provide an update on the steps being taken to resolve this issue and confirm when I can expect the full refund to be processed. 

Thank you for your urgent attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: GA

Complaint narrative:
I have no connection to the mentioned creditors and did not initiate this inquiry. I request its prompt removal from my 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 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: WI

Complaint narrative:
I attempted to use my card at dollar tree for {$9.00}, the transaction was declined. I called Concora Credit to see why my transaction was declined and they said it was because the merchant XXXX XXXX was considered high risk. Upon further research declining transactions, and providing a reason that the merchant is deemed high risk is a common tactic used by Concora Credit to reduce the number of places and the balance that can be spent on the card. Places like XXXXXXXX XXXX XXXX XXXX all declined and I have available finds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TD BANK US HOLDING COMPANY
State: IN

Complaint narrative:
On XX/XX/XXXX I was served with a claim by td bank for XXXX XXXX an amount that is currently being negotiated by a debt management company achieve debt management this debt was put into the program on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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:
These are inaccurate items. They show as late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: TX

Complaint narrative:
Hello, I previously submitted documentation to all three credit bureaus regarding several unauthorized accounts and credit inquiries that are appearing on my credit reports. Despite my written requests and supporting evidence, none of the bureaus have responded or taken corrective action. These accounts and inquiries were not authorized by me, nor do they provide any personal or financial benefit. They are negatively impacting my credit profile and overall financial stability. 
I belive the credit bureaus have violated my rights under the ( FCRA ) by failing to investigate disputed information within the required thirty-day timeframe, failing to verify permissible purpose for the inquiries, and failing to provide written results of a reinvestigation. Additionally, under section 605B of the FCRA law any information resulting from identity theft should be blocked within 4 business days of receipt of proper documentation which has not been done as of today! 
I have attached copies of the letters I sent to each bureau. The accounts and inquiries remain on my reports, and I have not received any acknowledgment or investigation results. I am requesting the CFPBs assistance to ensure the credit bureaus comply with the FCRA and immediately remove all unauthorized accounts and inquiries from my credit reports.

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 2025-10-31 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:
To Whom It May Concern, I am submitting this complaint because my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) have been violated by the inclusion of inaccurate personal information, false account reporting, and unauthorized inquiries on my credit file. Despite prior disputes and clear evidence of inaccuracies, these items remain uncorrected, causing significant harm to my credit reputation and financial stability. The bureaus and furnishers are required under FCRA 602 ( A ) and 611 to maintain maximum accuracy and to conduct reasonable investigations, which they have failed to do. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXX Balance : {$620.00} Date Opened : XX/XX/XXXX Collection * * This account remains unverifiable as no signed contract, billing statement, or proof of ownership has ever been provided which violates FCRA 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( A ) for failure to report with maximum possible accuracy ; therefore, it must be deleted immediately for being unsubstantiated and illegally reported. 

XXXX XXXX Date : XX/XX/XXXX This inquiry was made without my authorization or a permissible purpose under FCRA 604 ( a ) and constitutes unauthorized access to my credit file ; it must be removed at once for violating 15 U.S.C. 1681b ( f ). 

XXXX XXXX  Date : XX/XX/XXXX This inquiry was made without my consent or legitimate business purpose and violates FCRA 604 ( a ) ( 2 ) and 607 ( a ) ; since no proof of authorization exists, it must be deleted immediately as unlawful access to my consumer report. 

I am demanding that all inaccurate information be permanently deleted from my credit reports, including the wrong address, the false charge-off, the unverifiable collection, and the unauthorized inquiry. Furthermore, I request a full investigation into these violations and that proper corrective actions be taken against the furnishers and credit bureaus involved for their negligence and failure to comply with federal law. Under FCRA 616 and 617, willful or negligent noncompliance entitles consumers to damages, and I reserve the right to pursue such remedies if this matter is not resolved.

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 2025-10-31 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Army and Air Force Exchange Service
State: TX

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 


I am submitting this statement in connection with my ongoing dispute regarding inaccurate information being reported about Account # XXXX. I have already sent a formal written dispute to the furnisher, requesting verification or deletion of the inaccurate data in compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, I referenced 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know or should know is inaccurate, and 15 U.S.C. 1681s-2 ( b ), which mandates a reasonable investigation upon receiving notice of a dispute. I also cited 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which requires the deletion or modification of unverifiable information. 

MILITARY STAR 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 2025-10-31 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: MI

Complaint narrative:
Im sick of tired of the credit bureaus keep keeping inaccurate data on my credit reports, for example the XXXXXXXX XXXX has wrong personal information they have on their records, email addresses to phone numbers ect, tells me that they failed the fair credit reporting law! Ive disputed some items on all three of my credit reports, only TransUnion and Experian kept coming back as verified, which these third party collections agencies purchased the debt from the lenders,

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 2025-10-31 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: MI

Complaint narrative:
Im sick of tired of the credit bureaus keep keeping inaccurate data on my credit reports, for example the XXXXXXXX XXXX has wrong personal information they have on their records, email addresses to phone numbers ect, tells me that they failed the fair credit reporting law! Ive disputed some items on all three of my credit reports, only TransUnion and Experian kept coming back as verified, which these third party collections agencies purchased the debt from the lenders,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am submitting this statement to formally request the Consumer Financial Protection Bureaus assistance regarding the inaccurate late payment reporting for my MILITARY STAR account ( XXXX ) currently appearing on my Experian credit file. I have already filed a formal dispute directly with Experian and the furnisher, explaining that the late payment entries are incorrect and are the result of internal reporting or transmission errors by the creditornot from any actual delinquency or missed payment on my part. 

Under the Fair Credit Reporting Act ( FCRA ) 1681i, Experian is required to conduct a reasonable reinvestigation of any disputed information and to delete or correct any entry that is inaccurate, incomplete, or unverifiable. Additionally, under 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. Despite my compliance with the proper dispute procedures, the inaccurate late payment entries remain on my credit report, which demonstrates a failure by the parties involved to uphold their statutory obligations.

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 2025-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
I purchased a XXXX XXXXXXXX XXXX through XXXX in late XX/XX/XXXX, financed by Bridgecrest Credit Company. Within 60 days, the vehicle began having serious mechanical issues and was towed to XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX. The dealership confirmed that repairs were needed but said they could not begin until I paid {$1300.00}, which I could not afford immediately due to financial hardship. 

While the car was still at the dealership awaiting repair, Bridgecrest repossessed the vehicle without giving me any notice or opportunity to make payment arrangements. I called Bridgecrest several times to explain my situation and request hardship assistance or a payment plan, but they told me they do not offer hardship programs and refused to help. 

Now my car is sitting in an impound lot, accumulating daily storage fees, and Bridgecrest has not provided clear instructions for reinstatement or a payoff breakdown. The manager I spoke with was extremely rude and dismissive when I explained that I rely on this vehicle to care for my children with XXXX and attend medical appointments. 

I am requesting an investigation into the repossession and the companys refusal to work with me on payment relief despite the short ownership period, documented hardship, and ongoing mechanical issues under dealership care.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am submitting this statement to formally request the XXXX XXXX XXXX XXXX assistance regarding the inaccurate late payment reporting for my MILITARY STAR account ( XXXX ) currently appearing on my Equifax credit file. I have already filed a formal dispute directly with Equifax and the furnisher, explaining that the late payment entries are incorrect and are the result of internal reporting or transmission errors by the creditornot from any actual delinquency or missed payment on my part. 

Under the Fair Credit Reporting Act ( FCRA ) 1681i, Equifax is required to conduct a reasonable reinvestigation of any disputed information and to delete or correct any entry that is inaccurate, incomplete, or unverifiable. Additionally, under 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. Despite my compliance with the proper dispute procedures, the inaccurate late payment entries remain on my credit report, which demonstrates a failure by the parties involved to uphold their statutory obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-10-31 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: MI

Complaint narrative:
Im sick of tired of the credit bureaus keep keeping inaccurate data on my credit reports, for example the XXXXXXXX XXXX has wrong personal information they have on their records, email addresses to phone numbers ect, tells me that they failed the fair credit reporting law! Ive disputed some items on all three of my credit reports, only TransUnion and Experian kept coming back as verified, which these third party collections agencies purchased the debt from the lenders,

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