vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I dispute the following accounts reported by Equifax. I believe these entries are inaccurate, as they may involve multiple reporting errors, incomplete records, or discrepancies with account details. I request that these be verified and removed if they can not be accurately verified. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am disputing the following accounts with TransUnion, as these items are not accurate and need to be corrected in accordance with the Fair Credit Reporting Act. 

Charged Off Accounts XXXX XXXX  XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$11000.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$1000.00} Inquiries XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Late Payment Accounts XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
this letter was sent to remove and delete all negative items from my credit report do too unverifiable information and provide the IRS Form 1099C as stated in XXXX XXXX XXXX : XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXXXXXX SSN : XXXX DOB : XX/XX/XXXX Re : Formal Dispute of Inaccurate/Unverified Information under FCRA 609, 611, 623 Dear Experian, I am formally disputing the following inaccurate, unverifiable, or misleading information contained in my credit file. Under the Fair Credit Reporting Act ( FCRA ), including 609, 611, and 623, as well as Consumer Financial Protection Bureau ( CFPB ) regulations, you are required to ensure the maximum possible accuracy of my credit report. 
The following accounts, inquiries, and personal information are in violation of federal law and must be immediately investigated and deleted if unverifiable : - XXXX  XXXX Charged Off ( {$11000.00} ) - XXXX XXXX  Charged Off ( {$10000.00} ) - XXXX XXXX Charged Off ( {$13000.00} ) - XXXX  XXXX ( XX/XX/XXXX ) {$250.00} Past Due, Open Account - XXXX XXXX XXXXXXXX XXXX XXXX Reported inconsistently despite deferment - Unauthorized Hard Inquiries XXXX XXXXXXXX XXXX XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX ) - Remove all outdated/incorrect previous addresses and employment history from my file These items are inaccurate and/or reported inconsistently across bureaus. If you can not verify them with documented evidence from the original creditor or source, they must be deleted from my file within XXXX days, as mandated by FCRA 611 ( a ) ( 1 ) ( A ). Failure to comply will leave me no choice but to escalate this matter to the CFPB, FTC, and my State Attorney General for enforcement. 
This letter serves as my demand for compliance with federal law. Please provide me with the results of your reinvestigation within the statutory timeframe. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Aqua Finance, Inc.
State: UT

Complaint narrative:
In XX/XX/year> we had incorrect, lesser quality windows installed than we were contracted for. The XXXX of XXXX windows we did want the lesser quality, they gave us the premium windows. So XXXX windows were we were overcharged for and both companies, XXXX and Aqua Finance, refuse responsibility and deny us any resolution. We were under the impression there would be no third parties to begin with and when signing the contract with XXXX I told our sales person I wasn't able to see the form I was Docusigning for, but she pushed me to sign anyways stating it was what we agreed upon in person. Our copies still verify we received different product than what was agreed upon. We had the charges dismissed via bankruptcy but a lien survived on the property. I believe this lien is fraudulent. I spoke with both XXXX 's property manager 's supervisor and Aqua Finance 's claims/legal department and neither could work towards a resolution. We are now trying to sell our home and will barely break even on the sale with this lien in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am filing a complaint against Capital One for failing to properly investigate a billing dispute originally caused by XXXX system errors. I purchased concert tickets on XX/XX/year>, for {$830.00} on my Capital One card and resold them through XXXX. XXXX later claimed they issued a {$910.00} payout to my XXXX account on XX/XX/year>, but XXXX statements show no such payout. XXXX had previously admitted to me in XX/XX/year> that a duplicate listing was auto-created by their system, which led to contradictory messaging and an improper cancellation charge. I called XXXX twice, and their representatives instructed me to disregard emails demanding the tickets, but they later forced me into canceling the duplicate listing under pressure and warning of penalties. 

On XX/XX/year>, I participated in a recorded call with Capital One and XXXX. XXXX confirmed there was no refund, but Capital One still refused to reopen the dispute and mishandled the escalation. XXXX technical errors created false payout information, and Capital One relied on that incorrect data to deny my dispute. I am requesting that the CFPB require Capital One to reopen the dispute, review the evidence and recorded calls, and credit the {$910.00} that XXXX never paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit rating has stayed at the same low level for years. Never changing a single point. Every report says this is due to not having revolving credit. I told them Ive had my XXXX account with XXXX XXXX  for almost 2 decades and they said XXXX did no longer report to them. I called XXXX about 6 weeks ago and they said an oversight but were reporting to the three credit bureaus now. This account has about a $ XXXX limit with an impeccable history - never a late ; if anything, a credit balance and yet, EQUIFAX STILL claims I have no revolving credit. This is infuriating after all these years and my rating has been damaged due to their negligence. Theres no excuse for this not being corrected by all three bureaus, especially after specifically advising EQUIFAX on the phone of the accounts existence. Their online website makes it impossible to file a protest - I think intentionally. Look at their website and see where one could file a complaint as outlined here.

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 2025-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Family Member used Zelle send money from XXXX XXXX account : XXXX XXXX XXXX, to Zelle XXXX XXXX XXXXXXXX XXXX times : see below XXXX from XXXX XXXX account send {$3500.00} to BOA XXXX XXXX XXXX XXXX  send an email to XXXX XXXX send you {$3500.00} XXXX XXXX XXXX XXXX  XXXX  Transaction number : XXXX XXXX -- XXXX From XXXX XXXX account send {$1500.00} to XXXX  XXXX XXXX XXXX XXXX  send a email to XXXX : XXXX send you {$1500.00} XX/XX/XXXX XXXX Chase Transaction number : XXXX XXXX never get this money, XXXX deducted {$5000.00} from GWG account, Money disappeared, we called Zelle, call XXXX, called XXXX, XXXX  said this money never delivered, we don't have you money you need contact Zelle, we called Zelle, they said we never touch your money, you need call chase or boa, XXXX said you let us send the money, you money is gone, XXXX send to boa, you need call them, don't call us any more. we been called everyday, the {$5000.00} disappeared, GWG chase bank deducted {$3500.00} on XX/XX/XXXX and {$1500.00} on XX/XX/XXXX, {$5000.00} the Money just gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
XXXX, at One Main Financial, number XXXX, which I got a loan from and are only a few days late on a payment, calls repeatedly while I'm at work and it goes to spam. 

XXXX then got my work bosses personal cell phone number ( XXXX XXXX ) and left him a voice message, asking for me and her number. That is illegal and she has no permission to contact my boss, I have the audio recording from him which is attached

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
I received a call from Harris and Harris, asking for me, I hung up and called back. I was confused on what collection agency and what debt was owed. As I havent received anything in the mail. When I called back I requested a written letter, most commonly referred to as " Debt Validation Request '', she refused. Saying I had already received letters, that it has already escalated, and refused when I asked her to send it again. Realizing she doesn't have my mailing address. I hung up after she refused and be came angry by repetitive request stating by law I have the right to ask for this letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: DE

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: DE

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing this complaint because Experian and TransUnion are reporting false and inaccurate information on my credit report that is causing serious harm to my credit standing and recent personal statements. The account being reported is XXXX XXXX XXXX, listed as a XXXX XXXX. 

This account is not mine, and I have no knowledge or connection with it. It appears to belong to someone else with the same or a similar name. This situation falls under identity confusion, which should have been verified and corrected through a proper investigation under the Fair Credit Reporting Act ( FCRA ) Section 611 Reinvestigation of Disputed Information.

I have already disputed this account directly with both Experian and TransUnion. However, despite my good-faith efforts, both bureaus have failed to conduct a reasonable investigation and continue to report this false account. This is a direct violation of FCRA Section 607 ( b ), which requires that credit reporting agencies maintain maximum possible accuracy in the information they 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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Central Portfolio Control Inc.
State: AR

Complaint narrative:
I am disputing a collection account reported by Central Portfolio Control for an alleged balance of {$880.00}, originally with XXXX XXXX XXXX XXXX. I have never received proper validation or documentation proving this debt is legitimate or that Central Portfolio Control has the legal right to collect it.

I requested verification and documentation, including the assignment contract or bill of sale from the original creditor, account-level documentation ( signed contracts, billing statements, and charge-off details ), proof of licensing and bonding to collect in my state, and a full breakdown of how the balance was calculated.

As of today, no valid documentation has been provided. Without this information, I believe this debt may be inaccurate, incomplete, or improperly reported. I am requesting that Central Portfolio Control provide full validation or remove this collection from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The information reported under this entry does not accurately represent my financial behavior. Please correct this discrepancy in my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this dispute to the Consumer Financial Protection Bureau ( CFPB ) to request a review and resolution of several inaccuracies and reporting issues in my credit file. The accounts listed below are in dispute, and I request that all necessary corrections be made to ensure my credit report is accurate and compliant with the Fair Credit Reporting Act ( FCRA ). 

Charged Off : XXXXXXXX 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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