vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NCB Management Services Inc.
State: CO

Complaint narrative:
I am filing this complaint regarding continued inaccurate and unlawful credit reporting by XXXX XXXX XXXX and NCB, as well as by the credit reporting agencies XXXX XXXX XXXX XXXX 

This matter concerns an auto loan for a XXXX vehicle originally financed through XXXX XXXX and now associated with the XXXXXXXX XXXX XXXX XXXX administered by XXXX XXXX XXXX. I am an identified class member in that litigation, and the account in question is directly covered under that settlement. 

Because this account is part of an active class action lawsuit, it is legally contested and unenforceable until the litigation and settlement process are resolved. I have already provided the credit bureaus and the furnishers with complete notice of this fact, along with the name of the legal administrator and contact information for verification. Therefore, any continued reporting of this account as valid, collectible, or undisputed is a clear violation of the Fair Credit Reporting Act ( FCRA ) and must cease immediately. 

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting any information they know or have reason to believe is inaccurate. Once a furnisher has been notified of a dispute involving ongoing litigation, it no longer has any lawful basis to continue reporting the debt as valid or verified. 

Furthermore, under 1681e ( b ), credit reporting agencies have an affirmative duty to ensure maximum possible accuracy of information they publish. Reporting a debt that is subject to active court litigationwithout marking it as disputed or removing itconstitutes a knowing violation of that duty. 

This is not a request for reinvestigation. The investigation has already been conducted, the facts are documented, and the account remains in legal dispute under an active class action lawsuit. The continued reporting of this debt is an unlawful act of publication of false information in violation of FCRA 1681e ( b ) and 1681s-2, and it exposes both the furnisher and the credit reporting agencies to civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC
State: TX

Complaint narrative:
Per my credit the loan is labeled as profit loss or charged off so they took a tax break yet I've yet to receive my 1099c in order to file as income. Per the law this should have been provided considering this company filed it on there taxes. This is grounds for an lawsuit for statutory damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/year> I made payment to a vendor for services provided. I thought I double charged the vendor. At this point I submitted a dispute claim for {$310.00}. A few days later I discovered that I was not actually double charged. At that time I contacted Bank of America on XX/XX/year> to cancel the dispute. The dispute was cancelled, and the provisional credit was removed and the charge of {$310.00} was put back on to my credit card. Since that time the vendor ( not the third-party XXXX ) has not received the funding. It has been over two months, and I have been getting complete runaround when I contacted Bank of America. As recently as XX/XX/year> I was told in a phone call with Bank of America that the payment was missed and not processed as it should have been, I was then told that a Cure Form was submitted to XXXX and that XXXX was to get the funds in 3 to 5 business days. This has NOT occurred. The {$310.00} has been charged to my credit card and the vendor nor the third party in XXXX has received the funds. Thus, the fund for some reason is still being held with Bank of America.

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 2025-10-30 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the 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 explanation
Consumer complaint received 2025-10-30 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-10-30 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: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
CAPITAL ONE  XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX ACCOUNT # XXXX XXXX XXXX XXXX I was never 30-days late and requested a correction from Capital One for the XX/XX/2025 late payment. 

PLEASE DELETE THE XX/XX/2025 XXXX LATE PAYMENT ACCORDINGLY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: OH

Complaint narrative:
I am writing pursuant to 15 U.S.C. 1681i and 15 U.S.C. 1681c-2, which grants consumers the right to dispute and remove inaccurate or fraudulent items from their credit reports. I have identified hard inquiries on my credit report that were made without my knowledge or expressed written consent. These inquiries are unauthorized and constitute identity theft as defined under federal law. As a result, I request the immediate deletion of the following unauthorized hard inquiries from my credit report as they are a violation of permissible purposes outlined in the FCRA : 1. Identity Theft XXXX  Account Number : XXXX This account is not mine, I never opened this account, I am a victim of identity theft. I have included an FTC report. Please investigate and remove this from my credit report. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX This account is not mine, I never opened this account, I am a victim of identity theft. I have included an FTC report. Please investigate and remove this from my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This account is not mine, I never opened this account, I am a victim of identity theft. I have included an FTC report. Please investigate and remove this 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 2025-10-30 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX 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
Consumer complaint received 2025-10-30 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX 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
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
i sent off letters with affidavits i will upload as well stating issues and verifying identity documents wanting the removal of items off of the report. and they have not done so I'm coming to you hoping you are a driving force in expeditious removal.

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
i sent off letters with affidavits i will upload as well stating issues and verifying identity documents wanting the removal of items off of the report. and they have not done so I'm coming to you hoping you are a driving force in expeditious removal.

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 2025-10-30 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:
Per my credit the loan is labeled as profit loss or charged off so they took a tax break yet I've yet to receive my 1099c in order to file as income. Per the law this should have been provided considering this company filed it on there taxes. This is grounds for an lawsuit for statutory damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: TX

Complaint narrative:
Per my credit the loan is labeled as profit loss or charged off so they took a tax break yet I've yet to receive my 1099c in order to file as income. Per the law this should have been provided considering this company filed it on there taxes. This is grounds for an lawsuit for statutory damages.

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 2025-10-30 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: Experian Information Solutions Inc.
State: IN

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 2025-10-30 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: FL

Complaint narrative:
My accounts were consistently payed! I possess an excellent payment record, and all payments were arranged on autopay. The transaction was handled incorrectly on their side, which is the reason for this late payment being reported. 

I request the update of the reported late payment. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Global Lending Services LLC
State: MA

Complaint narrative:
Description of the Problem : I am filing a complaint regarding a deceptive auto loan origination involving XXXX XXXX XXXX XXXX XXXX ( dealership ) and Global Lending Services ( lender ). I believed I was co-signing for my sisters vehicle purchase, but the dealership listed me as the primary borrower without my knowledge or consent. This was never disclosed to either of us at the time of signing. 

We first discovered the error in XX/XX/year>, when Global Lending Services sent a payment extension agreement that required my signature as the Borrower and listed my XXXX  as the Co-Borrower. This is the XXXX  time the incorrect borrower assignment was visible to us. Before this, we had no indication that the dealership changed our roles. 

This misrepresentation has now placed me at risk for negative credit reporting under my name, even though I never agreed to be the primary borrower. The loan was originated under false information. 

What I am requesting : A complete investigation into the dealerships misrepresentation of borrower/co-borrower roles Verification of all signed documents and disclosures Suspension of negative credit XXXX XXXX XXXX XXXX of borrower assignment OR removal of the account from my credit reports Written confirmation of the findings Supporting documents available : Extension agreement showing incorrect borrower assignment Timeline of events Massachusetts Attorney General complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This account does not belong to me and is being reported incorrectly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I purchased and financed a vehicle through the dealership, which was represented as inspected and road-ready. After purchase, the engine failed due to oil starvation and internal damage. Upon review, I discovered that the required Pre-Delivery Inspection ( PDI ) was never completedrecords show 0 labor hours. This means the vehicle was sold in an unsafe and unverified condition. My insurance company XXXX XXXX XXXX ) denied the claim, confirming the loss was mechanical, not related to driver negligence or an accident. I am now paying on a loan for a vehicle that was defective at the time of sale. I requested the dealership provide proof of the PDI and related service documents, but they have not provided them. I have also filed with the XXXX, XXXX XXXX, and the Georgia Attorney General. I am asking that the lender and dealership address the misrepresentation, correct the sale record, and provide financial or warranty relief. 

Exhibit : XXXX ( XXXX KB ) Remove -- Proof PDI was never complete. Please take a look at the labor hours Exhibit : XXXX -- Brought the vehicle in for new tires and wanted to make sure it would be safe for long travel. Got a multipoint inspection and dealership never looked at the oil and now claims that oil is not looked at during a multipoint inspection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Synchrony Bank refusing to return credit balance refund. I am filing a complaint regarding Synchrony Bank. I had an overpayment/credit balance on my closed account ( account ending in XXXX ). I requested a refund of the credit balance multiple times by phone, The last call was the XXXX on XXXX, and Synchrony representatives assured me that a refund check had been processed and mailed. Nothing was received.

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-10-30 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: VA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: 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