vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/XXXX through XX/XX/XXXX. {$3100.00} balance. No have asked numerous times to remove the late payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Finance Company, LLC
State: TX

Complaint narrative:
XX/XX/XXXX through XX/XX/XXXX. {$3100.00} balance. No have asked numerous times to remove the late payment history

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 2025-05-03 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: GA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. XXXXi ( XXXX ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-05-03 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: MI

Complaint narrative:
I am filing this complaint to dispute an account on my credit report that I firmly believe contains inaccurate and incomplete information. Despite submitting multiple disputes, the issue has not been corrected, and there is no indication that a proper or thorough investigation has been conducted. 

This unresolved matter has become a serious source of emotional strain and is now impacting my daily well-being. The continued lack of resolution is both frustrating and discouraging. 

I want to emphasize that this is a legitimate dispute, supported by proper documentation. I am not requesting canned responses or template replies. A third-party service, authorized by me, has submitted this dispute on my behalf, along with all necessary identification documents to ensure it can be addressed without delay. 

Thank you for your time and prompt attention to 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 2025-05-03 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: MI

Complaint narrative:
I am filing this complaint to dispute an account on my credit report that I firmly believe contains inaccurate and incomplete information. Despite submitting multiple disputes, the issue has not been corrected, and there is no indication that a proper or thorough investigation has been conducted. 

This unresolved matter has become a serious source of emotional strain and is now impacting my daily well-being. The continued lack of resolution is both frustrating and discouraging. 

I want to emphasize that this is a legitimate dispute, supported by proper documentation. I am not requesting canned responses or template replies. A third-party service, authorized by me, has submitted this dispute on my behalf, along with all necessary identification documents to ensure it can be addressed without delay. 

Thank you for your time and prompt attention to 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 non-monetary relief
Consumer complaint received 2025-05-03 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: MA

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-05-03 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: FL

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: TX

Complaint narrative:
I disputed multiple inaccurate and unverifiable accounts with TransUnion under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance standards. These accounts included XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I requested validation and documentation including contracts, billing records, proof of permissible purpose, and chain of custody for debt buyer accounts, as required by 15 U.S.C. 1681i and 1681e ( b ). TransUnion failed to provide any of this documentation and continued to report the accounts as accurate, despite discrepancies in dates, balances, account types, and payment histories. 

Many accounts were reporting with incomplete or conflicting fields such as {$0.00} credit limits, no payment terms, false open statuses, or duplicated entries. Some were reporting as open collections when they were closed, paid, or unverifiable. I clearly explained these issues and gave TransUnion time to correct them, but they failed to resolve or investigate in good faith. 

This lack of reasonable investigation and continued reporting of disputed, inaccurate, and incomplete data violates my rights under the FCRA and harms my credit score unfairly.

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 2025-05-03 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: TN

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 2025-05-03 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:
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 2025-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened a Capital One XXXX card with the intent of earning the welcome bonus. While I was actively working toward the minimum spend, my account was frozen due XXXX Capital One flagging " suspicious activity '' which occurred because I was traveling internationally in the XXXX. 

After the welcome bonus period had closed, I contacted Capital One XXXX spoke with a supervisor, who clearly told me the welcome bonus could be reinstated for the remaining weeks of the offer period since my account was frozen if I submitted my bank statements. At the time, I had limited access XXXX my banking documents but confirmed I would submit them once I returned. 

Later, I was told that the account would be closed in XXXX days, so I assumed the card would be shut down XXXX discontinued use. A few months later, I discovered that not only was the account still open, but I had been charged the {$95.00} annual fee with no prior notice or communication about the account remaining active... 

Now that Ive returned XXXX  have access XXXX  my documents, Ive reached out XXXX  resolve the issue and fulfill the bonus requirement but Capital One is now refusing XXXX honor the supervisors prior promise, and will not offer any resolution. 

I am requesting that Capital One either : Reinstate the welcome bonus as originally promised XXXX Provide a goodwill adjustment ( bonus miles or a statement credit ) XXXX  resolve the situation in light of the inconsistent communication, prior promise, and overall mishandling of the account. 

Despite multiple calls XXXX  escalation attempts, I was told there is no further resolution available which is why Im filing this formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: FL

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 2025-05-03 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: FL

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
Consumer complaint received 2025-05-03 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: MI

Complaint narrative:
I am filing this complaint to dispute an account on my credit report that I firmly believe contains inaccurate and incomplete information. Despite submitting multiple disputes, the issue has not been corrected, and there is no indication that a proper or thorough investigation has been conducted. 

This unresolved matter has become a serious source of emotional strain and is now impacting my daily well-being. The continued lack of resolution is both frustrating and discouraging. 

I want to emphasize that this is a legitimate dispute, supported by proper documentation. I am not requesting canned responses or template replies. A third-party service, authorized by me, has submitted this dispute on my behalf, along with all necessary identification documents to ensure it can be addressed without delay. 

Thank you for your time and prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I have been locked out of my account twice over the last couple of years without a valid reason, other than security verifications. 
The first time I was locked out of my banking accounts was on a XXXX. I spent several hours ( approx XXXX hours total ) over a couple of days ( XXXX ) attempting to regain total access to my account. I was eventually able to access it the following XXXX Reasons were never given for why the account was locked, and I was only told the prolonged wait for resolution was due to " USAA cutting back on security staffing. " The most recent incident occurred today, XXXX XXXX XXXX XXXX XXXX. I was locked out of my account and spent a couple of hours making multiple phone calls. The second to last USAA representative told me to upload a copy of my driver 's license and that I should expect a call back in XXXX business days ( in other words, XXXX XXXX XXXX XXXX XXXX. I called back that same evening ( Friday ) and spoke with a security representative who asked numerous questions about my transactions across all my accounts for the past XXXX months, as well as inquiries regarding my travel over the last 90 days, including travel during which I did not use my banking card or provide related information. 
After an hour call with the security representative, I was told there were no security concerns on my account or profiles and that she would unlock my account. Once again, USAA refused to disclose why I was locked out of my account, stating that they could not provide that information for security reasons.

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 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-05-03 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:
I am to dispute the accuracy and completeness of the payment history associated with the accounts listed below. The records reflect several inaccuracies that appear to qualify as billing errors under 15 USC 1666 ( b ). To my knowledge, I have not been late on any of these accounts, and I respectfully request that the payment history be corrected to show all payments as made on time. This matter has become increasingly distressing. 

Please note that I am submitting this dispute personally, with no third-party involvement. I respectfully urge you to conduct a thorough and impartial review of this issue without further delay. 

Thank you for your attention and understanding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FORD MOTOR CREDIT CO.
State: MS

Complaint narrative:
I have made previous attempts to fix these issues directly with them and They are violating my rights. I'm asking for the account to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( XXXX ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( XXXX ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4500.00} Date Opened : XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation