vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
CFPB Complaint Statement Complainant : XXXX XXXX XXXX of Birth : XX/XX/year> SSN ( Last XXXX ) : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Subject : Disputing Inaccurate Late Payment History Billing Error Under 15 U.S.C. 1666 ( b ) I am filing this complaint to dispute inaccurate and potentially unlawful late payment notations reported on my credit report. After reviewing my credit file, I found errors in the payment history for XXXX open accounts reported by XXXX XXXX XXXX. 

I believe these are billing errors as defined under 15 U.S.C. 1666 ( b ) of the Fair Credit Billing Act. Specifically : 1666 ( b ) ( 4 ) : The creditor failed to properly reflect a payment or credit on my statement.

1666 ( b ) ( 5 ) : There appears to be a computation or accounting error on the statements. 

Furthermore, I did not receive a billing statement at least XXXX XXXX  before the due date, which is a legal requirement. Without timely notice, I should not be held responsible for any alleged late payments. 

Disputed Items XXXX CHILD XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX  ( Reported Late Payment Open Account ) XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX ( Reported Late Payment Open Account )

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American First Finance, Inc.
State: IN

Complaint narrative:
XXXX is reporting a late payment for American first finance account. I disputed this before and it was taken off and some how got back on there. This is effecting my credit report. I have attached my payment history history yet again along with my first dispute that was approved and another dispute I did that was denied. This is reporting on my Transunion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: NY

Complaint narrative:
Unfortunately, I'm a victim of the Equifax Data breach and several unauthorized accounts are reporting to my profile. This situation is very inconvenient and having negative effects on my life. Please delete and block these accounts from my profile.

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft and submitted a valid FCRA 605B dispute to Experian. XXXX XXXX XXXX was removed from my credit file as a result. On XX/XX/year>2025, the account was reinserted without my authorization and without written notice within 5 business days, which violates FCRA Section 611 ( a ) ( 5 ) ( B ). I mailed a reinsertion violation letter and attached supporting documentation ( including my FTC Identity Theft Report, proof of address, and ID ). 

I am requesting the immediate removal of the XXXX XXXX account and an investigation into how and why it was reinserted in violation of 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 2025-06-13 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: NV

Complaint narrative:
I hope this complaint finds you well. I would like to follow up on the complaints I sent to your attention regarding certain items on my credit report. 
As of today, I have not received any communication or updates regarding the resolution of the disputes I sent to the bureaus. I understand that the investigation process takes time, but I would like to inquire about the current status and any progress made in resolving the issues outlined in my previous communication. 
The following are the items that I would like to be removed from my credit file. 
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 XXXXXX/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 2025-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Vehicle Overvaluation : I was sold a car for {$16000.00} that is worth only around {$5000.00} according to current vehicle valuations. 

Misrepresentation of Loan Terms : I was not told this was a 72-month loan or that it would accrue daily interest, making it nearly impossible to pay off early.

Unfair Loan Structure : After paying over {$3000.00}, my balance has increased. Capital One now claims I still owe {$16000.00}, with a principal balance of {$16000.00}. This shows that nearly all payments are being applied to interest, not principal.

Forged Electronic Signature : My e-signature has been used without my permission on at least one document, which I have in my possession. It was taken from a non-loan-related document I signed earlier and reused deceptively.

Failure to Disclose Information and Promises Not Honored : I was misled into thinking the car was in perfect condition. After repeated issues, the dealership failed to repair the car as promised and ignored my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc.
State: IL

Complaint narrative:
Minnesota Notice : This collection agency is licensed by the Minnesota Department XXXX XXXX. If you feel that your concerns have not been addressed, please contact us and allow us the opportunity to try and address your concerns. Or, you have the option to address any concerns with the Minnesota Attorney XXXX office, which can be reached at XXXX or XXXX, or by email at : XXXX or online at XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: NJ

Complaint narrative:
This complaint serves as a formal demand for compliance with the Fair Credit Reporting Act ( FCRA ) regarding the handling of my credit report. I have requested these accounts listed below to removed from my credit report due to identity theft. This is my several attempt to resolve this matter. The previous letters have come with XXXX compliance. Your failure to provide verifiable proof and your reliance on generic, non-substantive responses violate federal law and my consumer rights. I will not tolerate these deliberate evasions. 

Despite my repeated disputes, your agency has failed to provide legally required documentation proving the validity of the reported information. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute, you are legally required to conduct a meaningful investigation and provide substantive evidence verifying the accuracy of the disputed accounts. Your boilerplate responses do not meet this legal standard, and your continued negligence constitutes a blatant violation of federal law.

Furthermore, under 15 U.S. Code 1681e ( b ), you are required to maintain maximum possible accuracy in consumer credit reports. Your continued reporting of unverified and inaccurate information, despite my multiple disputes, demonstrates reckless disregard for the law and my rights.

You have 30 days from the date of this letter to provide the following : 1.Actual verification of the disputed accounts, including original documentation from the data furnisher proving the validity of the debtnot generic statements from the creditor or data furnisher.

2.A detailed explanation of the investigation conducted, including the specific steps taken to verify the accuracy of the information.

3.The names, contact information, and job titles of the individuals who handled my dispute.

4.A statement confirming removal of any information that can not be fully verified as per 15 U.S. Code 1681i ( a ) ( 5 ).

Failure to comply will result in immediate legal action. I am fully prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will explore all legal avenues, including but not limited to, filing a lawsuit for willful noncompliance under 15 U.S. Code 1681n, which entitles me to statutory damages, punitive damages, attorney fees, and costs.

These accounts do not belong to me, as they are fraudulent. The banks have agreed to remove these accounts from my records. Im confused why you still feel theyre reporting accurately. Please see these accounts are fully investigated and VERIFIABLE PROOF IS FORWARED TO ME. 

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I kindly request the Consumer Financial Protection Bureau ( CFPB ) to assist me in the removal of unauthorized and fraudulent items from my credit file, which were opened without my consent. Your support in rectifying these fraudulent entries would significantly enhance the accuracy of my credit report. I appreciate your assistance and hope that, with your help, the fraudulent items will be permanently removed in the next update. Thank you for your attention to this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$250.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$11000.00} XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-06-13 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: IN

Complaint narrative:
I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name 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 XXXXXX/XX/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 2025-06-13 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:
This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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:
CFPB Complaint Statement Complainant : XXXX XXXX XXXX of Birth : XX/XX/XXXX Last XXXX of XXXX : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Subject : XXXX XXXX XXXX and Failure to Comply with FCRA Obligations I am submitting this formal complaint regarding inaccurate, outdated, and unverifiable information appearing on my credit report, which I obtained from XXXX. These errors violate the Fair Credit Reporting Act ( FCRA ) and require immediate attention and resolution by the XXXX XXXX XXXX. 

Disputed Items Inaccurate Personal Information Name : XXXX XXXX ( Incorrect variation ) Name : XXXX XXXX ( Incorrect or unrelated ) Date of Birth : XXXX ( Incorrectly listed or formatted ) Unauthorized Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( XXXX did not authorize these inquiries and request their immediate removal. ) Negative Accounts that Are Inaccurate or Unverifiable XXXX XXXX XXXX Collection ( Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A Collection ( Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Acct # 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 Violations of the FCRA The credit bureau has XXXX to comply with its obligations under the following provisions of the Fair Credit Reporting Act : 15 U.S.C. 1681e ( b ) : To follow reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 1 ) : To conduct a full, good-faith reinvestigation of each disputed item.

15 U.S.C. 1681i ( a ) ( 5 ) : To delete or correct information that can not be verified.

15 U.S.C. 1681i ( a ) ( 7 ) : To provide a full method of verification upon request. 

15 U.S.C. 1681g : To furnish a complete consumer file disclosure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: Comerica
State: OH

Complaint narrative:
On XX/XX/XXXX 2025 I called XXXX they told me to call XXXX XXXX about the card about benefits I hadn't received, XXXX say they sent information to XXXX XXXX on XX/XX/XXXX25, I did get payment expected date XX/XX/XXXX/25, XXXX came no check I called XX/XX/XXXX these people had did nothing when XXXX office sent information on XXXX/25.so they sent me a card XXXX  balance?? I called they said that was another benefit card, I called XXXX they said there is no other benefit card on file for me, but they sent the card with XXXX balance even after telling me the amount on my card.so I had to pay expedited fee they were to pay they did. now I am late with fees on fixed income these cards are a rip off all bills on time hadn't been late until now. I had paper check I don't know why XXXX did this account when in notes they said I did decline. The problem today I called 15 times they had me on hold all day hanging up telling me I can't use my card when I just received yesterday used to day now I can't use it to pay other bills they locked my card telling me now I need ID but the XXXX office gave them all info and I as well over the phone. So I wanted to remove funds bc I had problems and just got the card XX/XX/XXXX/25, I will find a bank and use instead XXXX put me on it I asked them why? then info shifted to XXXX XXXX and they ignored or was trying to scam me out my funds had I not called on XX/XX/XXXX also a different card they sent me telling me it another benefit, lied no other benefits XXXX says when only XXXX know of a the benefit distribution and to what card. There are more than one.i want to take monies off and close accounts I will go elsewhere. I will contact XXXX office as well. Just got this card ( XXXX ) Yesterday used this morning now I cant.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing in direct response to the recent correspondence from Experian indicating that a previously submitted dispute under my name was flagged as suspicious and possibly not initiated by me. I want to make it explicitly clear that I am the rightful consumer who initiated that dispute, and I take full ownership and responsibility for the submission. It is unfortunate that my valid attempt to correct inaccuracies on my credit report was deemed questionable, but I understand that Experian has security measures in place to protect consumers from fraudulent activity.

That said, I wish to clarify without any ambiguity that the dispute was sent by me in good faith, with the intention of correcting erroneous information on my file. I am now resubmitting my dispute formally and directly, along with all of the necessary identifying documentationsuch as my full name, Social Security Number, date of birth, and current addressto eliminate any doubt about the authenticity of this 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 2025-06-13 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: GA

Complaint narrative:
RECENTLY, I HAVE REVIEWED MY CONSUMER REPORT AND NOTICED THAT YOU ARE ALLEGING THE FOLLOWING ACCOUNTS ARE REPORTING inaccuracies and WITHOUT HAVING FURNISHED ANY SUBSTANTIAL PROOFS OR EVIDENCE OF YOUR CLAIM. ACCORDING TO FEDERAL LAW, IN ORDER FOR YOU TO REPORT THIS ACCOUNT YOU WOULD HAVE AHD TO VERIFY AND VALIDATE ALL ALLEGED DEBT. AS OF TODAY THE ACCOUNTS HAVE NOT BEEN VALIDATED. AS A RESULT OF THIS THEY MUST IMMEDIATELY BE REMOVED FROM MY REPORT AS I DO CHALLENGE THEIR VALIDITY. PURSUANT 15 USC 1681B.

Reporting outdated information Reporting false information Accidentally mixing your files with another consumer Failure to notify a creditor about a debt dispute.

Failure to correct false information.

Failure to notify other credit reporting agencies about a debt dispute.

Privacy Violations Failure to notify you about negative credit information.

A user of your information fails to notify you about a negative decision based on your credit report.

Failure to notify you of your right to obtain a free credit report.

Failure to notify you of the results of an investigation into a debt dispute.

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 2025-06-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
RECENTLY, I HAVE REVIEWED MY CONSUMER REPORT AND NOTICED THAT YOU ARE ALLEGING THE FOLLOWING ACCOUNTS ARE REPORTING inaccuracies and WITHOUT HAVING FURNISHED ANY SUBSTANTIAL PROOFS OR EVIDENCE OF YOUR CLAIM. ACCORDING TO FEDERAL LAW, IN ORDER FOR YOU TO REPORT THIS ACCOUNT YOU WOULD HAVE AHD TO VERIFY AND VALIDATE ALL ALLEGED DEBT. AS OF TODAY THE ACCOUNTS HAVE NOT BEEN VALIDATED. AS A RESULT OF THIS THEY MUST IMMEDIATELY BE REMOVED FROM MY REPORT AS I DO CHALLENGE THEIR VALIDITY. PURSUANT 15 USC 1681B.

Reporting outdated information Reporting false information Accidentally mixing your files with another consumer Failure to notify a creditor about a debt dispute.

Failure to correct false information.

Failure to notify other credit reporting agencies about a debt dispute.

Privacy Violations Failure to notify you about negative credit information.

A user of your information fails to notify you about a negative decision based on your credit report.

Failure to notify you of your right to obtain a free credit report.

Failure to notify you of the results of an investigation into a debt dispute.

Company response to consumer: Closed with explanation