vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 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: TX

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: TX

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: MO

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA XXXX ( XXXX U.S.C. XXXX ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX  Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: VA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a XXXX XXXX  credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Netspend Corporation
State: NC

Complaint narrative:
Netspend was offering a {$200.00} bonus when you open a Netspend XXXX XXXX or Netspend XXXX  Account and complete the following requirements : - Activate card - Enroll in Direct Deposit and receive Direct Deposits totaling {$400.00} or more within XXXX  days of acquiring the account To qualify for this offer, ( XXXX ) you must acquire a new Netspend XXXX XXXX or Netspend XXXX  Account, activate the Card or register the Account, and pass required identity verification between XX/XX/XXXX and XX/XX/XXXX and ( XXXX ) enroll in Direct Deposit and receive Direct Deposits totaling {$400.00} or more within XXXX  days of acquiring the account. 
The qualifying incentive credit will be applied to your account within XXXX business days after the qualifying direct deposit activity. 

I completed all the requirements ( {$400.00} direct deposit on XX/XX/XXXX and activated card ) more than XXXX business days ago but still have received the {$200.00} bonus.

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 2025-07-30 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: WI

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 XXXX XXXX XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 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 2025-07-30 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: IL

Complaint narrative:
I have been disputing an item of my credit report for over XXXX XXXX  and the credit bureau has not provided a resolution or removed the item for a collection account from credit control services., This account is not mine and I was a victim of identity theft. This is a violation of my consumers right if this account is removed, I will proceed with filing a lawsuit against the credit bureaus.

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 2025-07-30 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: IL

Complaint narrative:
I have been disputing an item of my credit report for over XXXX XXXX  and the credit bureau has not provided a resolution or removed the item for a collection account from credit control services., This account is not mine and I was a victim of identity theft. This is a violation of my consumers right if this account is removed, I will proceed with filing a lawsuit against the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am submitting a formal complaint regarding a XXXX fraud dispute that was denied by my bank twice, despite substantial evidence of deception and non-delivery. 

On XX/XX/year>, I made a {$300.00} payment via XXXX to an individual named XXXX XXXX at phone number ( XXXX ) XXXX. This payment was made for the purchase of XXXX XXXX  concert tickets from a person using the email XXXX, who contacted me through XXXXXXXX XXXX XXXXXXXX On XX/XX/year>, I submitted a fraud claim to my Capital One explaining that the seller had failed to deliver the tickets and had become unresponsive after receiving the payment. Despite escalating the matter and providing all requested documentation, my claim was denied twice. 

I am now requesting the Consumer Financial Protection Bureaus assistance in reviewing this matter, as I believe this falls under the scope of fraudulently induced transactions protected by Regulation E. 

Here is the exact message I submitted to the bank with my second escalation : Im writing in reference to the denied XXXX fraud claim I submitted on XX/XX/year>, regarding a {$300.00} payment I made via XXXX on XX/XX/year>, to XXXX XXXX at phone number ( XXXX ) XXXX. 

This payment was for the purchase of XXXX XXXX concert tickets from a person using the email XXXX. I am now submitting additional evidence that this transaction was fraudulent and that the recipient has not delivered the promised goods nor returned my money. 

Attached you will find : Screenshots of the full conversation before, during, and after the transaction. 
Proof that the seller confirmed the XXXX number was correct. 
Evidence that the tickets were never delivered. 
The sellers changing story, refusal to refund, and acknowledgment that they received the funds. 
Final messages where they blame me for their mistake and offer to return only part of the funds. 

The transaction was clearly deceptive and fraudulent, and Im requesting that this claim be escalated for further review. I respectfully request this decision be reconsidered based on the substantial evidence provided. 

I believe my bank failed to properly investigate the fraud and did not uphold its responsibilities under Regulation E and CFPB guidance regarding XXXX and XXXX payment fraud. I acted in good faith, reported the fraud immediately, and provided extensive evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: LA

Complaint narrative:
This is a formal notice and escalation regarding my previous complaint filed against Equifax on the Consumer Financial Protection Bureau platform, and through written dispute channels under the Fair Credit Reporting Act ( FCRA ). As of today, Equifax has failed to respond within the required 30-day dispute timeline, and has also exceeded the 15-day CFPB response window, which constitutes a willful noncompliance with federal consumer protection laws. 

Despite receiving my original dispute, Equifax has : Failed to respond or provide any written reinvestigation results within 30 days under FCRA 1681i ( a ) ( 1 ) ( A ) Failed to verify or correct the disputed accounts, which are neither accurate nor properly authorized to be reported Reinserted accounts that were previously removed, in violation of FCRA 1681i ( a ) ( 5 ) ( B ), which requires consumer notice and certification from the furnisher prior to reinsertion The following items remain unresolved and are being reported in error XXXX XXXX XXXX XXXX XXXX Conflicting balances across bureaus and no signed documentation. 

XXXX. XXXX XXXX XXXX validation, agreement, or billing history provided. 

XXXX XXXX XXXX supporting records or breakdown for alleged utility debt. 

XXXX XXXX XXXX XXXX XXXX inaccurate student loan tradelines with no disbursement or promissory notes ; XXXX failed to respond to validation requests. 

XXXX XXXX  XXXX XXXX XXXX XXXX reporting status, showing both charged off and open simultaneously. 

XXXX XXXX XXXXXXXX XXXX Still reporting balances on accounts XXXXXXXX XXXX XXXX XXXX XXXX 

XXXX  XXXX XXXX  XXXX record was obtained through a XXXX vendor, not the court itself, which has never authorized credit bureaus to report this information. This is unverifiable and should be deleted under FCRA 1681e ( b ) and 1681i.

I remind Equifax that under the law : Any account that can not be verified must be deleted ( FCRA 1681i ( a ) ( 5 ) ) Reinserted accounts require written notice within 5 business days ( FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ) ) No data may be reported if the bureau lacks a reasonable procedure to ensure accuracy ( FCRA 1681e ( b ) ) Furthermore, I have provided documented proof that these accounts were previously removed from other bureaus and Equifax itself, confirming they are unverifiable and unlawfully reinserted.

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 2025-07-30 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: VA

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 TILA 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 Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), 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 2025-07-30 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: NV

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-30 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: NV

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: TN

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-30 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: TN

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: CA

Complaint narrative:
I took out a {$1000.00} loan from XXXX Loans in XXXX XXXX. As of now, just over XXXX months later, my current balance has more than doubled to $ XXXX stated interest rate is 699.9998 % APR, which I believe is predatory and far exceeds the usury limits allowed by my state. 

I was not clearly informed of the total cost of the loan or the amount I would owe over time. I believe this loan is both deceptive and unfair, and that the terms were not clearly explained before funds were disbursed. The loan terms were not clearly explained at the time I accepted it, and the cost of repayment appears disproportionate to the original amount borrowed. I am seeking assistance to understand whether this loan structure complies with consumer lending protections. 

XXXX XXXX  claims to be a tribal lender, and the loan agreement appears to waive consumer protections under state law. I believe this loan is potentially unenforceable in my state due to the excessive APR. 

I am seeking a full investigation, a freeze on the account while it is reviewed, and a refund or recalculation of the balance owed under a legal and fair interest rate. 

I am also concerned that the loan violates the Truth in Lending Act ( XXXX ) and the XXXX XXXX due to lack of transparency and unfair loan practices.

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