vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 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: SC

Complaint narrative:
Errors in the report XXXX XXXX XXXX Account shows XXXX balance and XXXX payment due. 
Account closed XXXX XXXX 2022. 
Late marks appear after no obligation existed. 
Status says Paid Closed while listing late marks. 
Payment history conflicts with the lender update date of XXXX XXXX 2022. 
These conflicts break FCRA XXXX USC XXXX ( b ) accuracy rules. 
Data is unverifiable under FCRA XXXX USC XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX Bank is furnishing and reporting inaccurate information to all three Consumer Reporting Agencies regarding my XXXX  XXXX account ending in XXXX. A merchant called XXXX XXXX XXXX withdrew {$830.00} from my account without my authorization or the authorization of my son, XXXX XXXX XXXX who is the authorized user. 

Neither I nor my son ever gave written, verbal, electronic, or portal-based consent for this merchant to store or reuse this payment method. Any time this card was used, it was used one-time only with my permission and was never authorized for recurring billing or storage. Despite this, the merchant repeatedly charged the card and refused to release my sons mail even after services were canceled. The merchant also refused to provide the documentation we requested, including account history, contracts, or proof of authorization. 

On XX/XX/XXXX, my son spoke with the merchant in a recorded call where the representative admitted that the additional charges were automated storage fees generated by their systemnot authorized transactions. On XX/XX/XXXX, my son spoke in a three-way call with both XXXX XXXX Bank and XXXX XXXX, during which both parties were notified that the transaction was disputed and unauthorized. Neither party could provide any signed agreements, IP logs, or proof of authorization. XXXX XXXX Bank still refused to reverse the charge or provide reinvestigation results. 

XXXX XXXX Bank then reported false and inconsistent utilization data to the XXXX XXXX Agencies. Experian is reporting 84.56 % utilization in XXXX section and 85 % in another, with an inaccurate reported balance of {$1300.00} on a {$1600.00} credit limit. This is factually incorrect and has caused significant harm to my XXXX Report, including score drops and credit denials. I have had a positive payment history with this card since XXXX, and this inaccurate reporting is damaging my credit profile. 

I submitted a notarized written dispute to XXXX XXXX Bank ( Formal Notice of Dispute ), which they received, but they still have not provided reinvestigation results within the required time frame under the Fair Credit Reporting Act ( XXXX U.S.C. XXXX and XXXX ( b ) ). The merchant and bank both failed to provide documentation proving authorization, and the account is still being reported inaccurately. 

The mailed dispute was sent by certified mail. Tracking number will be updated in the CFPB portal as soon as XXXX generates it. 

Recordings from XX/XX/XXXX and XX/XX/XXXX are preserved in full and will be produced upon verification or at the time of formal litigation.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Im writing to formally dispute an inaccurate tradeline currently being reported on my credit file. The information being reported is not accurate, and more importantly, it fails to meet the standard of maximum possible accuracy as required by XXXX U.S. Code XXXX ( b ) of the Fair Credit Reporting Act. 

Let me be clear if a tradeline can not be reported with complete and verifiable accuracy, then you are not legally allowed to report it at all. Right now, the way this account is appearing on my credit report is misleading, harmful, and not reflective of my true credit history. Thats unacceptable, and I will not sit back while my credit profile is being damaged by something that shouldnt even be there. 

As a consumer, I am exercising my legal right under federal law to demand that this inaccurate tradeline be removed in full. If you can not ensure that every detail balance, status, dates, payment history, and ownership is correct and fully substantiated, then it must be deleted. Reporting anything less than 100 % accurate information is a direct violation of your obligations under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Dear Sir/Madam, I am disputing several items that are inaccurately reported on my TransUnion credit XXXX. Please find the account details below for your investigation : Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7400.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$170.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$870.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$87.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$65.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$770.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9700.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX & XXXX CREDIT Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$740.00} Inquiries : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX OF XXXX Date : XX/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 non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO.
State: MI

Complaint narrative:
On XX/XX/year>, I received a mailed response from XXXX XXXX regarding my previous CFPB complaint. The envelope and the letter were addressed to an incorrect version of my name, which caused confusion about whether the correspondence was intended for me. The letter mixed a CFPB dispute response with a debt collection demand stating I owed {$55000.00} and asked me to contact Ford to arrange payment. This was unexpected because a CFPB response should be separate from collection activity. The letter was also sent to my XXXX XXXX instead of the address associated with the account. I am filing this new complaint because XXXX  mailed CFPB response appears misleading, misaddressed, and not consistent with standard CFPB communications. I am attaching a copy of the letter and envelope for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: VA

Complaint narrative:
I am formally disputing the following items on my Experian credit report as inaccurate, incomplete, or unverifiable : XXXX. Charged-Off Accounts XXXX, Account # XXXX, Reported Date : XX/XX/year>, Balance : {$13000.00} Please provide validation of this account. If verification can not be provided, I request removal from my credit report. 

XXXX. Inquiries No inquiries listed for dispute.

Please verify all inquiries and remove any unauthorized or unverified inquiries. 

XXXX. Positive Accounts XXXX  XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request verification that these accounts are reporting accurately. Correct or remove any errors. 

XXXX. Late Payments XXXX XXXX, Account # XXXX I dispute the accuracy of this late payment. Please provide documentation proving the late payment. Remove or correct this entry if unverified.

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 2025-11-25 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: PA

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 TILA US Code 1666B 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 ( FCBA ) 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 non-monetary relief
Consumer complaint received 2025-11-25 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: Kikoff Inc.
State: CA

Complaint narrative:
I am disputing the reporting of late payment ( XXXX ) tied to an account that has been closed for some time. After the account was closed, I noticed that derogatory informationspecifically late paymentscontinued to appear on my credit report. This raised immediate concern, as I had fulfilled the account terms, and no new activity should have been reported after closure. 
To resolve this, I submitted several disputes directly to the credit bureaus and the original creditor, asking for a proper review and supporting documentation of the alleged delinquencies. However, instead of receiving concrete evidence or a detailed account history, I was met with generic responses that did not clarify or justify the reporting. 
It is my understanding that once an account is closed, reporting must reflect the final and accurate status as of the date of closure, in accordance with Metro 2 data furnishing standards and the Fair Credit Reporting Act ( FCRA ). Continuing to report late payments after the account has been settled or closedespecially without verificationmisrepresents my credit behavior and damages my financial standing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section XXXX ( XXXX U.S.C. XXXX ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing the following accounts and inquiries reported on my Experian credit report. These entries appear to be inaccurate, incomplete, or improperly reported, and I request they be corrected. 

Charged Off Accounts : XX/XX/XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$330.00} XXXX  Account Number : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX FACTUAL DATA Date : XX/XX/XXXX XXXX XXXX SERVICE Date : XX/XX/XXXX XXXX XXXX  SERVICE Date : XX/XX/XXXX XXXX XXXX SERVICE Date : XX/XX/XXXX XXXX AUTO Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX CO Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX SVC Date : XX/XX/XXXX Late Payment : XXXX XXXX XXXX Account Number : XXXXXXXX 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 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Sent this letter XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. No response. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX Capital One Financial Corporation XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Cease and Desist from Communication Regarding Account # XXXX Dear Capital One Financial Corporation, I am writing to formally request that you cease and desist all communication with me regarding my credit card account number XXXX. This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically under XXXX USC XXXX. 
Please consider this letter as my official notice to terminate all forms of communication with me including, but not limited to, telephone calls, written correspondence, or any other means of communication. 
If you believe I owe any debt, please provide me with a detailed statement of the account and any relevant documentation. If you fail to comply with this request, I will consider further action necessary to protect my rights and ensure compliance with the FDCPA. 
Please send all future correspondence regarding this matter to my address listed above. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: Possible Financial Inc
State: CA

Complaint narrative:
I am disputing the reporting of late payment ( XXXX ) tied to an account that has been closed for some time. After the account was closed, I noticed that derogatory informationspecifically late paymentscontinued to appear on my credit report. This raised immediate concern, as I had fulfilled the account terms, and no new activity should have been reported after closure. 
To resolve this, I submitted several disputes directly to the credit bureaus and the original creditor, asking for a proper review and supporting documentation of the alleged delinquencies. However, instead of receiving concrete evidence or a detailed account history, I was met with generic responses that did not clarify or justify the reporting. 
It is my understanding that once an account is closed, reporting must reflect the final and accurate status as of the date of closure, in accordance with XXXX XXXX data furnishing standards and the Fair Credit Reporting Act ( FCRA ). Continuing to report late payments after the account has been settled or closedespecially without verificationmisrepresents my credit behavior and damages my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
i XXXX XXXX XXXX was a Victim of identity & fraud i ask for transunion to removed the debt as i disputed pursuant to 15 US CODE 1692c,15 US CODE 1692g,15 US CODE 1681 e ( b ) Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer reports no consent is fraud This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only, I can validate this debt. I do not validate this debt. They violated my rights as a consumer and are in a law XXXX XXXX failing to properly investigate my dispute!! the acoounts disputed are : XXXX XXXX XXXX Account # XXXX * * * * XXXX XXXX XXXX Account # XXXX * * XXXX  XXXX * * * *. And for identity verification purposes i do not wish to send any information or disclose any information pursuant to my personal information all on file is my current information. please retain from asking for more personal/private information. also to notify you that XXXX XXXX is a copywritten name and trade mark any person using my name and any derivations of such name is in violation of trademark laws please remove these thing from my credit with in XXXX business days thank you. Also ive been a victim of credit bureau data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
i XXXX XXXX XXXX was a Victim of identity & fraud i ask for transunion to removed the debt as i disputed pursuant to 15 US CODE 1692c,15 US CODE 1692g,15 US CODE 1681 e ( b ) Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer reports no consent is fraud This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only, I can validate this debt. I do not validate this debt. They violated my rights as a consumer and are in a law XXXX XXXX failing to properly investigate my dispute!! the acoounts disputed are : XXXX XXXX XXXX Account # XXXX * * * * XXXX XXXX XXXX Account # XXXX * * XXXX  XXXX * * * *. And for identity verification purposes i do not wish to send any information or disclose any information pursuant to my personal information all on file is my current information. please retain from asking for more personal/private information. also to notify you that XXXX XXXX is a copywritten name and trade mark any person using my name and any derivations of such name is in violation of trademark laws please remove these thing from my credit with in XXXX business days thank you. Also ive been a victim of credit bureau data breach.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I submitted a dispute to TransUnion on XX/XX/XXXX because TransUnion is reporting personal information that violates 1681e ( b ) ( requirement of maximum possible accuracy ). And they sent me a response back under file XXXX  XXXX. I attached the letter below in this compliant. 
I have an official document issued by the U.S. Bankruptcy Court that directly contradicts TransUnions prior verified investigation and proves the reported bankruptcy information is inaccurate and unverifiable. 

Public Record Violation Bankruptcy Reporting TransUnion reports a XXXX XXXX  Bankruptcy dated XX/XX/XXXX. 
Under 15 U.S.C. 1681i ( a ) ( 2 ) and CFPB Bulletin XXXX, TransUnion must verify public record data directly with the court, not with third-party vendors. 
My official court document contradicts TransUnion reporting, meaning : Since they can not provide certified court verification, this bankruptcy must be permanently deleted. This court document has also been sent to TransUnion Certified Mail.

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 2025-11-25 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: MI

Complaint narrative:
I am submitting this formal dispute regarding the accounts listed below, which contain discrepancies or inaccuracies. These accounts need to be thoroughly investigated and corrected. Below are the details of the accounts in dispute, organized by each credit bureau. 
Charged-Off Accounts : 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

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