vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
My due date is on the XXXX and on the XXXX of every month on 2 of my credit cards. I paid them on that date and they charged me late fees any ways even tho its my due date and I wasnt late on them. I asked why was I getting charged they said cause it was XXXX XXXX. Shouldnt matter what time the payment is made as long as its paid that day before XXXX XXXX. Plus charging out righteous interest on me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
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 2025-12-18 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 submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-12-18 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: TX

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 explanation
Consumer complaint received 2025-12-18 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: NC

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-12-18 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: TX

Complaint narrative:
I dont have any ties to these accounts and didnt approve them. Please take a closer look and delete them. Proof is attached.

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 2025-12-18 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 am submitting this complaint as a consumer who is actively working to ensure the accuracy of my Equifax credit report. After carefully reviewing my report, I identified several charged-off accounts and inquiries that appear inaccurate, inconsistent, or unverifiable. 

* * Charged-Off Accounts in Dispute XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX, opened XX/XX/XXXX, balance {$640.00} XXXX XXXX XXXX XXXX Account # XXXX, opened XX/XX/XXXX, balance {$400.00} XXXX XXXX XXXX  Account # XXXX, opened XX/XX/XXXX, balance {$1400.00} XXXX XXXX XXXX XXXX  Account # XXXX, opened XX/XX/XXXX, balance {$0.00} XXXX XXXX XXXX XXXX  Account XXXX XXXX, opened XX/XX/XXXX, balance {$0.00} XXXX XXXX XXXX XXXX  Account # XXXX, opened XX/XX/XXXX, balance {$640.00} I am requesting full verification of ownership, balances, account status, and reporting accuracy. If these accounts can not be fully verified, I request they be removed from my Equifax credit report. 

* * Hard Inquiries in Dispute * * I do not recall authorizing the following inquiries : XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please conduct a complete reinvestigation in accordance with the Fair Credit Reporting Act and remove any information that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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:
I am submitting this complaint as a consumer who is working to correct inaccurate information on my TransUnion credit report. 

Upon review, I identified the following charged-off account and inquiries that I believe are inaccurate, incomplete, or not properly verified : * * Charged-Off Account in Dispute : * * * XXXX  Account # XXXX ( Opened XX/XX/XXXX, Balance {$0.00} ) This account is reported as charged off despite reflecting a XXXX balance. I am disputing the accuracy of the reporting status and requesting verification that this information is complete and compliant with the Fair Credit Reporting Act. 

* * Inquiries in Dispute : * * * XXXX XXXX XX/XX/XXXX * XXXX XXXX XXXX XXXX XX/XX/XXXX I do not recall authorizing these inquiries and request documentation showing permissible purpose. 

I respectfully request that TransUnion conduct a full reinvestigation of all disputed items. If the information can not be fully verified, I request that it be removed from my credit report in accordance with federal 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 2025-12-18 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: TX

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 2025-12-18 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:
I am submitting this complaint to formally request the immediate blocking and deletion of fraudulent information currently appearing on my credit report, in accordance with 15 U.S.C. Section 1681c-2 of the Fair Credit Reporting Act ( FCRA ).

Despite multiple prior disputes and the supporting documentation already provided, this account continues to be reported, which constitutes a violation of federal law.

Enclosed is a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC Report Number : XXXX ) as evidence of identity theft. 
Pursuant to 15 U.S.C. Section 1681c-2, once an identity theft report is received, a credit reporting agency is required to block the disputed information within four ( 4 ) business days. This obligation has not been met. 
The account that must be blocked and removed immediately is : XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX This account does not belong to me and is the direct result of identity theft. Other credit reporting agencies have already deleted this account after being unable to verify its legitimacy. Additionally, the furnisher has failed to provide any signed agreement or verifiable documentation for more than 60 days, confirming that this account can not be validated. 
Nevertheless, TRANSUNION continues to report this account, knowingly allowing inaccurate and harmful information to remain on my credit file. 
This ongoing failure to remove the fraudulent account has resulted in significant financial and personal harm, including credit denials and the inability to pursue essential financial goals such as home ownership. 
I respectfully request that the Consumer Financial Protection Bureau review this matter and ensure compliance with federal law by requiring that this fraudulent account be blocked or removed immediately, and that confirmation of such action be provided.

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 2025-12-18 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: OH

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 2025-12-18 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: CA

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 2025-12-18 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 am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX  Account Number : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am filing this complaint because one or more accounts on my credit reports are being reported with material inaccuracies and inconsistencies across the three major credit reporting agencies. The main account ( s ) in dispute are : Account Name : XXXX, Account Number : XXXX After carefully reviewing my credit reports from all three bureaus, I identified clear discrepancies in how this account is being reported ( balance, dates, status, payment history, and/or other critical fields ). The information is not the same across all three reports and, in some cases, appears incomplete or conflicting. I have attached copies highlighting these differences. 
As a consumer, I understand that under the Fair Credit Reporting Act ( FCRA ), I have the right to a report that is accurate, complete, and verifiable. Sections 607 ( b ) and 611 ( a ) ( 15 U.S.C. 1681e ( b ) and 1681i ) require the credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy and to conduct a meaningful reinvestigation when I dispute an item. Section 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ) prohibits furnishers from reporting information they know or should know is inaccurate. 
I have already disputed this account directly with the credit bureau and provided documentation showing the inconsistencies. However, the bureau appears to have relied on automated verification rather than obtaining and reviewing the original, underlying documentation from the furnisher. The reporting remains inconsistent and, in my view, not fully verified as required by law. 
Because of this, my credit file does not reflect a fair and accurate picture of my credit history. This can affect my ability to obtain credit on fair terms, may increase my cost of borrowing, and creates unnecessary risk and confusion for any lender who reviews my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: DE

Complaint narrative:
I am submitting this complaint to formally dispute inaccurate information being reported on my consumer credit report by XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) regarding the following account : Creditor : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/year>XXXX  High Balance : {$1500.00} Issue : Late Payment reported The late payment notation currently appearing on this account is inaccurate and does not reflect my true payment history. I have never made a late payment on this account, and the reporting of any delinquency is incorrect. 

This erroneous information violates the Fair Credit Reporting Act ( FCRA ), which requires furnishers to report information that is complete, accurate, and verifiable. If XXXXXXXX XXXX XXXXXXXX can not provide documented proof that a late payment actually occurred, this negative payment history must be corrected immediately. 

I am requesting that the CFPB investigate this matter and require XXXX XXXX XXXX to : Conduct a proper and lawful reinvestigation of this account, and Correct the inaccurate late payment history to accurately reflect my on-time payment record. 

Please note that this request is for correction of inaccurate reporting, not deletion of a valid account. I expect all consumer reporting agencies to be updated accordingly once this inaccuracy is resolved. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: PA

Complaint narrative:
I am filing this complaint as a victim of identity theft regarding a XXXX XXXX XXXX XXXXXXXX XXXX XXXX that is inaccurately reported on my credit file. 

This account was not opened, authorized, or knowingly used by me. My actual Social Security number and personal identifying information were compromised and used fraudulently without my knowledge or consent. 

According to my XXXX  credit report dated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX reports an auto loan opened on XX/XX/XXXX, with a current reported balance of {$29000.00}, a past-due amount of {$6700.00}, and an involuntary repossession reported in XX/XX/XXXX. The account lists a date of first delinquency of XX/XX/XXXX. 

I did not apply for this loan, did not sign any financing documents, did not take possession of or insure the vehicle, and did not authorize XXXX XXXX XXXX XXXX or any third party to open or manage this account. Any payment history associated with this account was not knowingly or intentionally made by me and is the result of identity theft. 

Despite disputes, XXXX XXXX XXXX XXXX continues to report this account as valid, including a repossession and severe delinquency. This reporting is inaccurate under the Fair Credit Reporting Act ( FCRA ) and has caused substantial harm to my credit, housing opportunities, and ability to conduct business. 

I am requesting CFPB assistance to require XXXX XXXX XXXX XXXX to conduct a proper investigation, remove this fraudulent auto loan and all related negative reporting from my credit files, and provide written confirmation that I have no financial responsibility or liability for this account. 

I am prepared to provide supporting documentation, including my credit report and identity theft affidavit.

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 2025-12-18 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:
I am filing this complaint as a victim of identity theft regarding a XXXXXXXX XXXX XXXX XXXX XXXX XXXX that is inaccurately reported on my credit file. 

This account was not opened, authorized, or knowingly used by me. My actual Social Security number and personal identifying information were compromised and used fraudulently without my knowledge or consent. 

According to my Equifax credit report dated XX/XX/XXXX, XXXX XXXX XXXX XXXX reports an auto loan opened on XX/XX/XXXX, with a current reported balance of {$29000.00}, a past-due amount of {$6700.00}, and an involuntary repossession reported in XX/XX/XXXX. The account lists a date of first delinquency of XX/XX/XXXX. 

I did not apply for this loan, did not sign any financing documents, did not take possession of or insure the vehicle, and did not authorize XXXX XXXX XXXX XXXX or any third party to open or manage this account. Any payment history associated with this account was not knowingly or intentionally made by me and is the result of identity theft. 

Despite disputes, XXXX XXXX XXXX XXXX continues to report this account as valid, including a repossession and severe delinquency. This reporting is inaccurate under the Fair Credit Reporting Act ( FCRA ) and has caused substantial harm to my credit, housing opportunities, and ability to conduct business. 

I am requesting CFPB assistance to require XXXX XXXX XXXX XXXX to conduct a proper investigation, remove this fraudulent auto loan and all related negative reporting from my credit files, and provide written confirmation that I have no financial responsibility or liability for this account. 

I am prepared to provide supporting documentation, including my credit report and identity theft affidavit.

Company response to consumer: Closed with explanation