vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Complainant : XXXX XXXX Subject : Failure to Mark Account as Disputed and Continued Reporting of Inaccurate Information I, XXXX XXXX, am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) due to continued violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by a data furnisher and the credit reporting bureau. 

After obtaining a recent copy of my credit report, I discovered that multiple inquiries and a charge-off account are still reporting inaccurate and incomplete information. Despite having disputed these items more than 35 days ago, no corrective action has been taken, and most importantly, the disputed charge-off account has not been marked as " in dispute. '' This failure to update the account status violates the following federal statutes : Violated Laws : 15 U.S. Code 1681s2 ( a ) ( 3 ) Requires furnishers to report an account as " disputed '' to credit bureaus after receiving notice of a dispute 15 U.S. Code 1692e ( 8 ) Prohibits debt collectors from communicating disputed credit information without disclosing that the item is disputed Disputed Accounts and Inquiries : Inquiry Furnisher : XXXX XXXX  Date : XX/XX/year> Request : Remove from credit report Inquiry Furnisher : XXXX XXXX Date : XX/XX/year> Request : Remove from credit report Inquiry Furnisher : XXXX XXXX XXXX Date : XX/XX/year> Request : Remove from credit report Inquiry Furnisher : XXXX XXXX XXXX Date : XX/XX/year> Request : Remove from credit report Charge-Off Account Furnisher : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX Issue : Still reporting inaccurately and not marked as disputed Supporting Facts : I have submitted written disputes to both the credit bureau and the furnisher. 

I am attaching my original dispute letter and a copy of my most recent credit report, clearly showing that the account in question is still not marked as disputed.

This omission affects how current and potential lenders or employers may assess my creditworthiness and trustworthiness.

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 2025-06-18 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



List of Unauthorized Inquiries : XXXX XXXX - XXXX XXXX - XXXX XXXX  XXXX - XXXX-05-24 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 a 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 XXXX 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: IL

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

UNAUTHORIZED INQUIRIES : XXXX 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
Consumer complaint received 2025-06-18 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: FL

Complaint narrative:
I have negative items on my credit report. These are fraudulent items and do not belong to me. I have requested that these be removed by experian multiple with no help from them.

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally dispute the continued presence of inaccurate information on my credit report, despite multiple previous attempts to rectify these errors. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and completeness of the information you report. 

These inaccuracies have adversely affected my creditworthiness and have caused undue stress and financial hardship. 

I would like to draw your attention to recent enforcement actions that underscore the importance of accurate credit reporting : The CFPB sued XXXX for failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
XXXXXXXX XXXX was fined nearly {$28.00} XXXX for providing inaccurate, negative information about its customers to credit reporting agencies and for delays in correcting errors. 
XXXX faced a {$23.00} XXXX fine for failures related to tenant screening and security freezes, which included not ensuring the accuracy of rental background checks. 

These cases highlight the serious consequences of non-compliance with the FCRA. 

I am requesting that you : 1. Conduct a thorough and impartial reinvestigation of the disputed items.

2. Delete or correct all inaccurate, incomplete, or unverifiable information.

3. Provide me with a copy of the updated credit report reflecting these changes.

Please be advised that failure to comply with these requests may compel me to seek legal remedies, including filing complaints with the CFPB and pursuing litigation for damages resulting from your non-compliance. 

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 non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
My social security number on my XXXX XXXX XXXX is XXXX year of vehicle is XXXX XXXX date of birth XX/XX/XXXX .my complaint is that Santander usa refused to offer me a two months extension bank supposed to help consumers if there's a disaster. Please reach out to them i even set up a XXXX XXXX because of XXXX XXXX in home .I 'm able to make normal payments after the two months extension

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-18 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XX/XX/year>, I brought my vehicle to XXXX by XXXX, an auto repair shop, and was told that official XXXX XXXX XXXX XXXX be used to replace my brakes. I approved the debit card transaction based solely on this verbal assurance and was charged accordingly. 

Soon after the service, the same braking issue returned. I took my vehicle to a certified XXXX XXXX for a second opinion. Their inspection confirmed that cheap aftermarket brake parts not XXXX had been installed, and they also identified a broken lug bolt on the same wheel. This not only contradicted the service I paid for, but also presented a serious safety hazard. I was overcharged in all actuality. 

I filed a dispute with Capital One and submitted thorough documentation : the dealerships diagnostic report, photos, videos, the original invoice, and a detailed timeline of my limited vehicle usage between services. Despite this, the dispute was denied based on the reasoning that I had authorized the charge. 

To be clear, I only authorized the transaction based on false representation made by XXXX by XXXX. I would not have approved the charge had I known they would install aftermarket parts. This is a clear case of fraudulent misrepresentation, overcharging, and negligent service. 

I also asked Capital One to clarify which documents were reviewed and how they justified denying the dispute despite the evidence. I received no meaningful response to these questions. 

I am requesting that the CFPB formally investigate this matter and require Capital One to re-evaluate their decision. The dispute process failed to consider key facts, and as a result, the merchant, XXXX by XXXX has been allowed to profit from deceptive practices that jeopardized both my finances and my safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: TN

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
I have been declined numerous transactions the last being several days ago for {$9.00} for XXXX. 

Today I was advised that because I did not call the same day to report it I would be declined further transactions. I tried THREE TIMES the day I was declined to call the customer service number and waited more than 15 minutes each call before giving up. 

I can not use the card despite having {$330.00} credit available out of {$400.00}

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 2025-06-18 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: NJ

Complaint narrative:
Hello, my name is XXXX XXXX, and I am submitting this complaint without any influence from any 3rd party company or agency. Please see my attached documentation as it contains my full complaint and request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: NJ

Complaint narrative:
Hello, my name is XXXX XXXX, and I am submitting this complaint without any influence from any 3rd party company or agency. Please see my attached documentation as it contains my full complaint and request.

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 2025-06-18 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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 hope this complait finds you well. I am writing to follow up on the previous complaints I submitted concerning specific items on my credit report. 
To date, I have not received any response or update regarding the resolution of the disputes I submitted to the credit bureaus. While I understand that these investigations can take time, I would appreciate an update on the current status and any progress that has been made toward resolving the matters outlined in my earlier correspondence. 
Below is a list of the items I am requesting to be removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$60.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXXXXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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 hope this complait finds you well. I am writing to follow up on the previous complaints I submitted concerning specific items on my credit report. 
To date, I have not received any response or update regarding the resolution of the disputes I submitted to the credit bureaus. While I understand that these investigations can take time, I would appreciate an update on the current status and any progress that has been made toward resolving the matters outlined in my earlier correspondence. 
Below is a list of the items I am requesting to be removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$60.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXXXXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX 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 non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Conduent Incorporated
State: NV

Complaint narrative:
COMPLAINT XXXX XXXX  [ TX XXXX ] AND ITS AGENT, CONDUENT INC [ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ] ; as JOINT ADMINISTRATORS OF WAY 2 GO PROGRAM FOR DEBIT CARD FOR XXXX  XXXX XXXX XXXX PAYMENTS. 

THESE SCAM ARTISTS OBSTRUCT ALL ATTEMPTS TO ACCESS OR TRANSFER FUNDS TO USER, INCURRING TRANSACTION FEES AND EARNING INTEREST FOR THE BANK AT EXPENSE OF RIGHTFUL OWNER OF THE FUNDS MYSELF. 

NO WAY TO ACCESS ANY CUSTOMER SERVICE OR LIVE AGENTS. INTENTIONALLY DESIGNED TO BLOCK ACCESS TO FUNDS AS DETAILED IN MY COMPLAINT BELOW, ONLY FOUND AN EMAIL THROUGH A THIRD PARTY, NO REPLY. 

XXXX CONDUENT ON BEHALF OF XXXX BANK, ADMIN FOR WAY 2 GO PROGRAM FOR NV XXXX : XXXX. WHY THE XXXX  DID YOU REVERSE THE XXXX TRANSFER OF MY FUNDS TO MY BANK ACCOUNT AT XXXX XXXX XXXX, REVERSING IT ON XXXX?? TRANSFER THE FUNDS AS I DIRECTED YOU TO MY BANK AT ONCE, IMMEDIATELY. " XX/XX/year> XXXX XXXX XXXX XXXX - Cleared + {$7200.00} XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX " XXXX. YOU CRIMINALS AT CONDUENT AND XXXX XXXX  HAVE THOUSANDS OF COMPLAINTS THAT YOU DO EVERYTHING TO OBSTRUCT CARDHOLDERS FROM GETTING THEIR FUNDS, IN THE HOPES THEY WILL DIE OR GIVE UP AND YOU WILL THEN KEEP THEIR FUNDS. YOU HAVE ALREADY WASTED COUNTLESS HOURS OF MY TIME AS YOU HAVE NO USABLE PHONE NUMBER, NO LIVE AGENTS, NO POSTED ADDRESSES OR EMAILS. YOU DO EVERYTHING POSSIBLE TO ENSURE THE FUNDS CAN NOT BE ACCESSED OR REMOVED BY THE USER, AND EVEN THIS EMAIL WAS ONLY OBTAINED BY THIRD PARTY. IT IS AN OBVIOUS SCAM TO OBSTRUCT ACCESS OR REMOVAL OF FUNDS BY THE CARDHOLDER BY CONDUENT, PREYING UPON UNFORTUNATE PEOPLE WHO NEED THE FUNDS ON THE CARD. YOU BELONG IN PRISON. 
3. I AM CONTACTING THE FDIC, COMPTROLLER OF CURRENCIES, CFPB, AND A.G. OFFICES OF NV AND NJ AGAINST BOTH XXXX XXXX  AND CONDUENT OF XXXX XXXX NJ. NEXT I WILL CONTACT THE FBI

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: AL

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible.

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 2025-06-18 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company 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