vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 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: GA

Complaint narrative:
I am submitting this formal complaint against Transunion for multiple violations of the Fair Credit Reporting Act ( FCRA ) in connection with fraudulent accounts that remain on my credit report despite my repeated disputes and submission of legally sufficient documentation. The account in question XXXX XXXX XXXX  * was opened fraudulently and are the result of identity theft. I provided Transunion with a government-issued ID, proof of address, an FTC Identity Theft Report, and a signed statement under penalty of perjury, all of which satisfy the requirements under FCRA 605B . Despite this, Transunion failed to block the fraudulent information within four business days, as required by law. Furthermore, Transunion has violated FCRA 611 ( a ) by failing to conduct a proper reinvestigation of my dispute within the 30-day statutory window. I also requested full disclosure of all information used to verify the disputed account, as permitted under FCRA 609 ( a ) ( 1 ) ( A ), but Transunion has not provided this information. These failures constitute both negligent and willful noncompliance with the FCRA, entitling me to damages under 616 and 617.

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 2025-08-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have been trying to dispute this account but apparently I keep getting denied a fair try. I have disputed this account in past but now it just comes back as dupitcate. I have not got a response from the first dispute. 
transition deleted account XXXX XXXX XXXX still report. but have different data reporting further violating my rights I THOUGHT THE CFPB WAS TO HELP ME. 
HOW ARE U PROTECTING MY RIGHTS AND PRIVACY???

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Fuel Capital Group
State: CA

Complaint narrative:
My XXXX  use my document like my XXXX  or XXXX  security number he use my all documents he apply everything because I am XXXX  and XXXX XXXX and my wife coming my life and she notice everything and kicked out my home and later my XXXX  rob me because my wife kicked out for my apartment I dont know amount he use my bank acount and dopsite fake check

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: SC

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: CA

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) because my consumer report contains multiple inaccurate addresses, accounts, late payments, charge-offs, collections, and unauthorized inquiries. These errors are seriously damaging my creditworthiness, preventing me from obtaining fair financial opportunities, housing, and employment. I have disputed these items with the credit reporting agencies, but they remain on my report in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I respectfully request that the CFPB step in to enforce my rights and ensure that the credit bureaus and furnishers comply with the law. 

Address : XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Law Issue : Under FCRA 1681i ( a ), credit bureaus must conduct a reasonable reinvestigation of disputed information to ensure accuracy. Listing incorrect addresses constitutes inaccurate reporting. 
Story : I have never resided at this address. Its presence on my credit report is false and has caused confusion with creditors and potential lenders. The inclusion of this address is misleading and could negatively impact my ability to obtain credit. I request immediate verification and removal from my credit report. 

Account : XXXX XXXX XXXX * Date Opened : XX/XX/year> Balance Owed : {$3400.00} Type : Collection Law Issue : Under FCRA 1681i ( a ) and 1681e ( b ), furnishers and credit bureaus must ensure all reported information is complete and accurate. Collections must be validated before reporting.

Story : This collection account does not belong to me. I have never signed any contract, received any services, or authorized this account. I have not been contacted by the collector prior to reporting. Its presence on my credit report is false, misleading, and damaging to my credit score. I request full validation of this account, and if unverifiable, I demand immediate deletion. 

I am asking the Consumer Financial Protection Bureau ( CFPB ) to investigate these violations and require the credit reporting agencies and furnishers to comply with the Fair Credit Reporting Act and Fair Debt Collection Practices Act. The inaccurate addresses, unverifiable accounts, and unauthorized inquiries must be corrected or deleted immediately. These errors are causing me real financial harm, and I rely on the CFPB to enforce my rights under federal law and hold the responsible parties accountable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Karma, LLC
State: CA

Complaint narrative:
Credit Karma misreported my income as {$16000.00} instead of $ XXXX. Because of this, I was denied XXXX credit cards, received XXXX hard inquiries on my credit report, and lost a {$50.00} promotional guarantee. I contacted Credit Karma but they did not resolve the issue. I request correction of my income, removal of the XXXX inquiries, and enforcement of the {$50.00} guarantee.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : XXXX/DOFED XXXX Balance : {$0.00} XXXX/DOFED XXXX Balance : {$0.00} XXXX/DOFED XXXX Balance : {$0.00} XXXX/DOFED XXXX Balance : {$0.00} XXXX/DOFED XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2025-08-19 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX XXXX  it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-08-19 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: CA

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) because my consumer report contains multiple inaccurate addresses, accounts, late payments, charge-offs, collections, and unauthorized inquiries. These errors are seriously damaging my creditworthiness, preventing me from obtaining fair financial opportunities, housing, and employment. I have disputed these items with the credit reporting agencies, but they remain on my report in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I respectfully request that the CFPB step in to enforce my rights and ensure that the credit bureaus and furnishers comply with the law. 

Account : XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3400.00} Type : Collection Law Issue : Under FCRA 1681i ( a ) and 1681e ( b ), furnishers and credit bureaus must ensure all reported information is complete and accurate. Collections must be validated before reporting. 
Story : This collection account does not belong to me. I have never signed any contract, received any services, or authorized this account. I have not been contacted by the collector prior to reporting. Its presence on my credit report is false, misleading, and damaging to my credit score. I request full validation of this account, and if unverifiable, I demand immediate deletion.

Inquiry : XXXX XXXX Date : XX/XX/XXXXXXXX  Law Issue : Under FCRA 604, credit reports can only include inquiries authorized by the consumer. Unauthorized inquiries violate this law. 
Story : I did not authorize this inquiry. This hard inquiry is unauthorized and has negatively impacted my credit score. I request verification of consent. If verification can not be provided, I demand the immediate deletion of this inquiry from my credit report.

I am asking the Consumer Financial Protection Bureau ( CFPB ) to investigate these violations and require the credit reporting agencies and furnishers to comply with the Fair Credit Reporting Act and Fair Debt Collection Practices Act. The inaccurate addresses, unverifiable accounts, and unauthorized inquiries must be corrected or deleted immediately. These errors are causing me real financial harm, and I rely on the CFPB to enforce my rights under federal law and hold the responsible parties accountable.

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 2025-08-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing a formal complaint regarding a XXXX  XXXX bankruptcy that is being reported on my credit file. This information has been disputed with Experian, Equifax, and TransUnion. Despite my disputes, the bureaus continue to verify the bankruptcy without providing the required Method of Verification under FCRA 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

I requested the following : A description of the procedure used to verify the bankruptcy, The name, address, and phone number of the furnisher of the information, and All documentation obtained during their investigation. 

The bureaus failed to provide this information. Since bankruptcy courts do not furnish data directly to credit bureaus, this reporting is inaccurate and unverifiable at its source. Their refusal to provide verification violates the Fair Credit Reporting Act and has caused ongoing financial harm to 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 2025-08-19 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:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : XXXX/DOFED XXXX Balance : {$0.00} XXXX/DOFED XXXX Balance : {$0.00} XXXX/DOFED XXXX Balance : {$0.00} XXXX/DOFED XXXX Balance : {$0.00} XXXX/DOFED XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This letter serves as a formal dispute of a fraudulent account that has been mistakenly attributed to me. I have never had any connection with this account, nor have I authorized its creation. Its inclusion on my credit report is an error that must be corrected without delay.

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 2025-08-19 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: TX

Complaint narrative:
My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX  XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
I have asked the company that purchased this debt to discharge it as i did not authorize this debt and discharge of debt and stop negative reporting to monitoring bureaus, it was identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-08-19 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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've filed several disputes with XXXX  and the credit bureaus to remove XXXX XXXX XXXX XXXX from my reports from reporting in accurate information. The information that they are reporting on my credit report is different from what's being reported on my chexsystem and therefore pursuant to FCRA rules this reporting must be deleted and can not appear on my credit report or chexsystem report ever again.

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 2025-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I have paid my dues on my original due date or days prior and can prove that I paid .. On the XXXX of every month its drafted to Capitol One then for some reason denied and kicked back to my account when it said insufficient funds so then I send it directly back and goes through. I can prove that I had the money to cover each transaction for Capitol One for that date from my bank. They have charged me Overdraft fees and Late payments everytime of {$25.00} after {$25.00} after {$25.00} and I can't do anything about it, im tired of being screwed by Capitol One when I always keep money in my account and never insufficient funds. Yet they lie and lie and just keep charging my account, taking money... I won't to sue them because I have proof there liars concerning my money and my account... THEY TAKE AND TAKE AND IM FED UP

Company response to consumer: Closed with explanation