vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 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: NC

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX for issuing a predatory auto loan related to a defective vehicle sold under false pretenses. The APR was excessive and violated N.C.G.S. 24-1.1. The vehicle had repeated unresolved issues qualifying it as a lemon under N.C.G.S. 20-351. 

The dealer and lender engaged in deceptive business practices, violating N.C.G.S. 75-1.1 and 12 U.S.C. 5531 ( Consumer Financial Protection Act ). The dealer and lender were deceptive selling a warranty that was not enforceable, causing me undue distress for payment of repairs that should have been covered under warranty. I request CFPB investigate and enforce corrective action, including removal from all credit reports and cancellation of the contract.

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 2025-05-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There is an unauthorized inquiry on my credit report that I do not recognize or consent to. I did not apply for credit with this company, and its presence is causing significant concern and stress.

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 2025-05-06 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital 1 does not provide clear details regarding payments and unscrupulously charges late fees even though they do not provide transparency regarding due date TIME, only the date, and no where in there online system, even where we click details, does it specify a specific time, only the date. They said it's in the statement, but it is no where in their online platform and that is where we make payments, again even when we click the details button, it does not show the time! TO me that is VERY unscrupulous and criminal intent to avoid their full transparency requirements. They make the DATE visible only, again the time is not transparent, it is purposefully buried, in an egregous effor to obtain late fees. AND, when their online system only gave me an error message, then I had to call and was told it was too late and I'd be charged a late fee, even though it is still the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
Investigation was not properly invested problem was not solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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 requesting the immediate removal of a collection account reporting on my Experian credit file. The account is listed as a cell phone collection opened on XX/XX/year>, with a balance of {$4400.00}. However, the original creditor is not listed, and I have already disputed this account multiple times with Experian. The account continues to report inaccurate, unverifiable, and damaging informationspecifically, a full XXXX red payment history for a closed collection account with no monthly payments. 

Under the Fair Credit Reporting Act ( FCRA ), Experian is required to verify disputed items. I have received no proper verification or documentation to support this reporting. I believe this violates FCRA 611 and 609, and this inaccurate item is now harming my ability to qualify for a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: TX

Complaint narrative:
I am requesting the immediate removal of a collection account reporting on my Experian credit file. The account is listed as a cell phone collection opened on XX/XX/year>, with a balance of {$4400.00}. However, the original creditor is not listed, and I have already disputed this account multiple times with Experian. The account continues to report inaccurate, unverifiable, and damaging informationspecifically, a full XXXX red payment history for a closed collection account with no monthly payments. 

Under the Fair Credit Reporting Act ( FCRA ), Experian is required to verify disputed items. I have received no proper verification or documentation to support this reporting. I believe this violates FCRA 611 and 609, and this inaccurate item is now harming my ability to qualify for a mortgage.

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-05-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Constar Financial Services, LLC
State: TX

Complaint narrative:
XXXX XXXX repossessed by XXXX in XX/XX/year>. Car sold at auction and remaining balance of {$16000.00} on the car. As of XXXX XXXX the XXXX account has been charged off as stated in a letter mailed to me. The account has been sold to XXXX. XXXX will not stop updating the account monthly and refuses to update the account to a {$0.00} balance. This is affecting my creditworthiness tremendously as I am unable to purchase my home. This is reporting on XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: NY

Complaint narrative:
I am filing this complaint due to the continued and unlawful reporting of inaccurate, incomplete, and unverifiable information on my consumer credit report by Equifax. Despite multiple prior disputes and the submission of verified documentationincluding an FTC Identity Theft Report, this company has failed to conduct a lawful reinvestigation or correct/remove the disputed item in violation of federal law. Violations Involved : - FCRA 1681i failure to properly investigate disputed information within 30 days.

- FCRA 1681s-2 ( a ) continued reporting of information known or reasonably known to be inaccurate.

- Regulation V ( 12 CFR 1022.43 ) failure by furnisher to comply with direct dispute obligations. 

This behavior is nearly identical to the misconduct referenced in prior CFPB complaints such as : - CFPB Complaint # XXXX resulted in non-monetary relief and correction of identity theft-related errors. 
- CFPB Complaint # XXXX resulted in successful removal of unverifiable account data following a formal dispute. 

Consumer Harm and Requested Relief : As a direct result of this companys ongoing violations, I have suffered : - Inaccurate credit reporting affecting creditworthiness and financial opportunities. 
- Emotional distress and unnecessary time and effort to correct this issue. 
- Denials or unfavorable terms for financial products due to incorrect reporting. 

XXXX & XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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 accounts 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 to be removed/updated. 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. 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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Park Hill Holdings
State: MO

Complaint narrative:
This is to formally request a copy of my tenant report for my personal records. For the purpose of verifying my identity, I have included copies of relevant identification documents along with this request. Please feel free to send the report to me either via email or by regular mailwhichever is more convenient.

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Today, XX/XX/2025, I called Experian and spoke with their fraud assistance program. After deleting incorrect information from my report, they allowed XXXX XXXX XXXX to report a new collection on my report. I have reported this company before and requested that they are blocked from reporting future information on my credit report. I believe that XXXX XXXX XXXX is illegally using my data to generate false debt to force me to pay. When I had contacted them in the past about other data, they did not have enough legitamate information to tie me to the debt. After removing these accounts, they have now reported a new account that is not mine. They are also are reporting this debt under an incorrect address. 

Also, XXXX  XXXX has 2 accounts posted as charge offs. However, I have contacted this company via mail with a written response to which I have not recevied any word back yet, and called them with their phone number listed on the account, which is disconnected. 

On XX/XX/2025, I spoke with Experians Fraud Department and successfully removed prior inaccurate accounts. However, XXXX XXXX XXXX re-reported a new {$430.00} collection that is fraudulent, unverifiable, and tied to an address I have never lived at. I had previously disputed and had their accounts deleted due to lack of permissible purpose and failure to validate. These accounts have been cell phone accounts and all for high balances. No FCRA-mandated reinsertion notice was provided, violating FCRA 611 ( a ) ( 5 ) ( B ). 

This furnisher is using outdated, false, or illegally obtained data to create synthetic debt, which is a serious breach of FCRA and potentially the Fair Debt Collection Practices Act ( FDCPA ) .I believe XXXX XXXX XXXX is illegally using or misapplying my personal data to fabricate and report synthetic debt in my name. This appears to be an intentional act of coercion, as they are creating illegitimate accounts that appear valid to pressure me into paying debt I do not owe. Their past and current reporting lacks sufficient identifying information, was previously removed, and has now been reinserted without the required FCRA notice. I have filed an FTC Identity Theft Report, attached supporting credit reports, and requested this furnisher be permanently blocked from reporting. 

Additionally, XXXX XXXXXXXX has two charge-offs. I sent dispute letters ( no response ) and the listed phone number is disconnected. The accounts are unverifiable, with no reachable data furnisher, and should be deleted under FCRA obligations to verify disputed information. 

This situation shows systemic violations of consumer protection laws. I request permanent deletion of all affected accounts and that this case be flagged for full review.

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 2025-05-06 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: TN

Complaint narrative:
I am a victim of identity theft. I alerted the credit bureaus to this issue and filed a police report which was provided to them along with a detailed dispute letter. Unfortunately after initially removing the fraudulent items so items have returned to my credit report. I have attached a PDF document to this complaint that contains a new dispute letter along with a copy of my photo ID and the police report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report reflects late payment entries that I believe to be inaccurate. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I kindly request that these entries undergo verification. Should they remain unverified, I ask that they be promptly corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: AZ

Complaint narrative:
I am a victim of identity theft, and I am disputing a fraudulent Vive Financial account balance of {$3700.00} On XX/XX/year>, I mailed a complete identity theft packet to the credit bureaus and XXXX XXXX via certified mail. The packet included : A signed FTC Identity Theft Affidavit A police report A XXXX mail theft reference number A copy of my government-issued ID Proof of my address On XX/XX/year>, Experian marked my dispute as completed, and the Vive Financial account was deleted from my credit report. 

On XX/XX/year>, the account was reinserted into my Experian credit report without any prior notice or required certification, which is a direct violation of FCRA 611 ( a ) ( 5 ) ( B ). The reinsertion appeared with a new dispute in progress status and then was marked dispute completed that same day even though the original dispute had already been resolved. 

After the reinsertion, I located and submitted a forged XXXX agreement showing a completely different name and signature. I sent this forged document to the credit bureau and XXXX XXXX on XX/XX/year>, to further prove the account is fraudulent and was opened without my authorization. 

This illegal reinsertion caused my Experian credit score to drop by XXXX points, despite clear and verified documentation of identity theft. I never received the legally required XXXX reinsertion notice, and I continue to suffer financial harm as a result. 

I am requesting : The permanent deletion of this account A full explanation of who certified the reinsertion and why A reversal of any score damage caused by this fraudulent entry I also submitted a full identity theft packet directly to XXXX XXXX, including my police report, FTC affidavit, and proof of fraud, and I requested that they verify and delete the account. To this day, I have not received any response or acknowledgment from XXXX XXXX regarding my dispute or the documentation I provided. 

Their failure to investigate or respond is unacceptable and violates my rights under the FCRA. I am requesting that Experian permanently delete this account and hold XXXX XXXX accountable for failing to address this matter properly.

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent disputes to bureau 's before, they didnt respond. I want to push through the disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: NC

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX * * * * Balance : {$5400.00} XXXX XXXX  XXXX * * * * Balance : {$4400.00} XXXX XXXX * * * * Balance : {$3300.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX * * * * Balance : {$560.00} XXXX XXXX  XXXX * * * * Balance : {$4600.00} XXXX XXXX * * * * Balance : {$3300.00} XXXX  XXXX * * * * Balance : {$5400.00} XXXX  XXXX * * * * Balance : {$560.00} XXXX XXXX  XXXX * * * * Balance : {$4400.00} XXXX XXXX * * * * Balance : {$3300.00} XXXX  XXXX * * * * Balance : {$5400.00}

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