vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 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:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX  XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the XXXX XXXX XXXX XXXX XXXX XXXX ) and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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 2025-09-09 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. XXXX XXXX XXXX. 
XXXX ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$860.00} These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the XXXX  inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and XXXX  inquiries as reported. The aforementioned accounts, collections and XXXX  inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and XXXX  inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and XXXX  inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-09 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: GA

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Good evening, I appreciate your consideration in helping to resolve this issue. I recently XXXX  in the XXXX  and received my first check in paper form because the government did not have my information for direct deposit. I brought this federal check to my local XXXX XXXX branch to deposit it into my account, and I was told that they would need to verify the check to clear it. At the time I was told by the teller that I could have someone from the XXXX to verify it over the phone so I was intending to have someone call the bank to verify my check. When I called back I was told that it could not be verified over the phone and that it could take until the beginning of XXXX for them to verify a {$600.00} check so that it could go into my account because of their policy. I followed up with this a week later and now I am being told that it could take up until the end of XXXX for them to verify my check. 

I feel that it should not take over a month to verify a check from the federal government, and I am needing my check to pay for medical insurance for my family. I do not feel that this is proper treatment for the XXXX XXXX, and I would appreciate your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Arapahoe Motors
State: CO

Complaint narrative:
On XX/XX/XXXX, I applied for an auto loan with Schomp BMW in XXXX XXXX, CO. They advertised on their websites a 2.99 % financing rate for new cars. When they pulled my credit report, my XXXX XXXX was XXXX. However, they initially offered me a 4.99 % rate instead of the 2.99 %. I asked why I wasn't getting the 2.99 %, and they informed me that the best they could do was 3.99 % without any explanation. I was expecting an adverse action letter detailing the reason I did not qualify for the advertised rate of 2.99 % and they did not provide such a letter. I later provided them with a complain regarding various issues I experienced purchasing the automobile from them, and they still have not responded to those matters either.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-09 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 ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) 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 2025-09-09 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. XXXX XXXX XXXX. 
XXXX ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX - Account Number : XXXXXXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00} These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the XXXX  inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and XXXX  inquiries as reported. The aforementioned accounts, collections and XXXX  inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and XXXX  inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and XXXX  inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: OH

Complaint narrative:
Experian is the only agency listing this collection, and their investigation process is an immediate turn around! Maybe 2 or 3 business days later and the investigation is labeled as " completed ''. Additional information is not provided as requested. Previous dispute explanation from Experian never directly addressed the issue being argued either. I request that XXXX XXXX XXXX supply the purchase information and never receive any additional information. Experian is not accurately reporting this supposed collection and it is creating a negative credit for me personally.

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 2025-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX  claiming to be acting on behalf of a collection agency has been harassing me and my aunt with phone calls saying they will sue me for an unpaid debt from HSBC from XXXX. They are called XXXX XXXX and say they are located at XXXX XXXX XXXX XXXX phone number XXXX. They also said they have all my debt information from everything I owe including a past phone bill. 

They are threatening me with legal action. 

I know for a fact these are scammers as there is no XXXX XXXX online or located at That address. However I am concerned how he has all my information regarding all my debt. He said : We know it all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: French Financial, Inc.
State: TX

Complaint narrative:
Dear CFPB, I am submitting this complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 regarding inaccurate and misleading reporting on my XXXX  credit report. The account in question is listed as : Creditor : XXXX XXXX Account Type : Installment Date Opened : XX/XX/2022 XXXX  Report Reference : [ Insert Report # or Account # ] Disputed Inaccuracies : Balance Reporting Error The original balance is listed as {$200.00}, yet the reported current balance is {$310.00}, which exceeds the original loan and does not reconcile with the stated past due amount of {$160.00}. XXXX XXXX XXXX The account is marked as " XXXX '' while simultaneously reporting " XXXX  days past due '' as of XX/XX/2022. An account can not legally remain open and continue to accrue charges if it has been charged-off, sold, or otherwise terminated. Inaccurate Payment History The payment summary reflects XXXX, XXXX, and XXXX delinquencies within XXXX months of the account opening. This timeline is inconsistent with normal billing cycles and appears erroneous. These reporting errors violate my rights under the FCRA 1681e ( b ) ( failure to maintain maximum possible accuracy ) and FCRA 1681i ( failure to correct or delete inaccurate information after a dispute ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have been attempting to resolve the outstanding balance related to my XXXX credit card since the onset of the COVID-19 pandemic. Throughout this period, I was repeatedly provided with incorrect balance information and was assured on multiple occasions that my account would be properly updated to reflect my calls, complaints, and requests for correction. 

Despite my consistent efforts to resolve the matter in good faith, the account was not corrected as promised. Payments that were made were not properly reflected and after more than 10 years of positive payment history with XXXX ( personal loans & credit card ), my credit card was unexpectedly cancelled. Following numerous complaints and escalation to the head office, the balance was ultimately discharged. 

I made continuous, documented attempts to resolve the account responsibly and that the cancellation and discharge occurred only after XXXX failed to address the issues I reported. 

This inaccurate information is causing me to be unable to qualify for a refinance loan to consolidate debt.

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 2025-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX, XXXX for engaging in unlawful debt collection practices and for what I believe are willful violations of the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S.C. 1692 et seq.

Summary of Events : 1. I recently received a letter from XXXX XXXX XXXX at my residence regarding an alleged debt. 
XXXX. XXXX XXXX failed to provide proper validation of the debt, yet continues to send threatening correspondence and has submitted filings to the court to pursue collection.

3. The account in question was previously deleted from my credit reports, and XXXX has not demonstrated legal ownership or assignment rights to collect. 
XXXX. XXXX XXXX conduct appears harassing, deceptive, and in bad faith, particularly because they are attempting to collect without verifying the debt as required by federal law.

5. Account was closed due a previous filing with CFPB.

FDCPA Violations Include, But Are Not Limited To : 1692g ( b ) : Failing to cease collection until providing proper debt validation.

1692e ( 2 ) : Misrepresenting the legal status and amount of the alleged debt.

1692e ( 5 ) : Threatening legal action without intent or legal basis.

1692e ( 10 ) : Using false, deceptive, or misleading representations in connection with debt collection.

1692d : Engaging in conduct intended to harass, oppress, or abuse by continuing collection efforts without documentation. 

Requested Actions by CFPB : XXXX XXXX XXXX XXXX, XXXX to provide full written validation of the alleged debt, including : 1. A copy of the original signed contract.

2. Complete payment history.

3. Proof of assignment or ownership of the debt. 
XXXX XXXX XXXX to cease all collection activity, including any court filings, until proper validation is provided. 
Investigate XXXX XXXX collection practices to determine whether they are systematically violating consumer protection laws.

As Im currently under duress from their improper practices, I have obtained a lawyer to represent me in this case. 

I am requesting a formal response from XXXX XXXX XXXX, XXXX within the CFPBs resolution process. If XXXX XXXX can not validate this alleged debt, I expect their claims, filings, and any negative credit reporting to be withdrawn immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: DC

Complaint narrative:
Privacy and Confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Accounts need to be removed from 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 non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am the guarantor on an apartment ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) for my daughter XXXX XXXX and her roommate XXXX XXXX. They decided to move out early and I discussed with the apartment ahead of time, and all was good as notice provided appropriately. They moved out XXXX. I called the apartment as did XXXX multiple times and the apartment said the final ledger was not ready and not to worry. I was concerned because I work in finance and have seen all too often this situation- I have a perfect credit score, and it is important to me to keep that and pay everything immediately. Finally, towards the end of XXXX the apartment told me the balance, and I went XX/XX/XXXX to the bank to get a cashier 's check and mailed the apartment the final amount. They confirmed paid in full. 

In XXXX XXXX received a strange text from debt collection. I called the apartment, and they confirmed it was an error. Also email attached. The apartment sent me a letter and ledger showing it was paid in full. They are not helping to fix their error and remove from collections or credit. 

Today, XX/XX/year>, I received a credit alert, attached, showing this amount hit my credit through National Credit System debt collection. My credit score has been around XXXX and now shows in the XXXX because of this. I called NCS and the rep is at lunch. I called back hours later and still at lunch. I asked for her boss, and they said she is at lunch. This was around XXXX EST. The person on the phone was very dismissive and would not even confirm the company website address or provide an alternative email or phone number. I emailed the company and left a voicemail with XXXX the rep and XXXX her boss.

The apartment and NCS information are on the attached docs. I need this removed from collections and ALL credit bureaus immediately. I also need my score corrected immediately.

Company response to consumer: Closed with explanation