vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 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: MI

Complaint narrative:
The auto pay wasnt properly set up on the account and they charge late fees and interest charges to the account. I called in and the representative said when the payment posted that I paid in full to call back and they would credit the late fee I called back and they said they they wouldnt be able to do that. Its an automated system and the system wouldnt let them do it. I asked to speak to a supervisor he said thats the highest level you can go and theres nothing you can do I told him do you want me to lose them as a customer? He said they would hate to lose me as a customer, but theres nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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 submitted formal disputes regarding inaccurate reporting for XXXX XXXX XXXX XXXX ( charge-off with inflated utilization ) and XXXX XXXX XXXX  ( 60-day late status on a paid-off loan ). All three credit bureaus failed to provide verifiable documentation or proper reinvestigation under 15 U.S.C. 1681i. These items remain inaccurate and are damaging my credit history despite multiple good-faith requests for verification.

I am requesting CFPB assistance to compel Experian, Equifax, and TransUnion to ( 1 ) provide documented proof of verificationsigned contracts, payment ledgers, and charge-off validationor ( 2 ) delete the unverifiable entries.

Citations : FCRA 1681e ( b ) duty to ensure maximum possible accuracy FCRA 1681i reinvestigation procedures FCRA 1681s-2 duties of furnishers to provide accurate information

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 2025-11-12 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: VI

Complaint narrative:
Dear Consumer Financial Protection Bureau, My name is XXXX XXXX XXXX, and I am writing to formally request the CFPBs immediate intervention to compel TransUnion, LLC to comply with the Fair Credit Reporting Act ( FCRA ) and remove inaccurate, closed, and unauthorized items from my credit report.

Despite my submission of a Form 605C ( Self-Attestation of XXXX XXXX ) and supporting identification documents, TransUnion has failed to delete the accounts and inquiries that are clearly unlawful under 15 U.S.C. 1681b, 1681c, and 1681i.

Additionally, as a victim of TransUnions confirmed data breach, my personal and financial information has been compromised, resulting in unauthorized inquiries and continued publication of false or obsolete data. This violates the FCRAs duty to ensure maximum possible accuracy ( 1681e ( b ) ) and maintain secure consumer data.

I have already issued a formal Affidavit and Dispute Notice to TransUnion ( copy attached ), identifying the following items for immediate deletion : Negative / Closed Accounts : XXXX XXXX  ( multiple accounts Needs Attention ) XXXX XXXX  XXXX XXXX XXXX DPT Treasury XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Credit Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accoun

ts and inquiries remain on my TransUnion file even after I provided full legal documentation. Their refusal to act constitutes willful noncompliance, as recognized in Safeco Ins. Co. of America v. Burr, 551 U.S. 47 ( 2007 ), and Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ). I respectfully request that the CFPB compel TransUnion to : 1. Immediately remove all listed accounts and inquiries under 1681i ( a ) ( 1 ) and 1681c-3 ; 2. Provide written verification of deletion within 4 business days ; and 3. Confirm compliance with the consumer protection requirements for verified
victims of XXXX XXXX. 

Attached are copies of my Affidavit, 605C documentation, identification, and dispute letter for your review and record.

Thank you for your time and immediate attention to this urgent matter. I trust the CFPB will act to ensure TransUnions full compliance with federal law and consumer protection standards. 

Sincerely, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX VI XXXX Email : XXXX Phone : ( 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 2025-11-12 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-11-12 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: NJ

Complaint narrative:
I hope this letter finds you well. I am writing to request your assistance in updating specific accounts listed on my credit report. Upon review, I discovered certain information that appears to be outdated or inaccurate. I respectfully request that my credit file be updated to ensure it accurately reflects my current and verified financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am submitting this complaint because the consumer reporting agency has reported several hard inquiries on my credit file that I did not initiate, authorize, or consent to. This action constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ), as well as 15 U.S.C. 1681g ( a ) ( 5 ). These provisions prohibit the inclusion of inquiries not initiated by the consumer unless there is prior written authorization or the inquiry is connected to a firm offer of credit.

At no time did I grant permission for these inquiries, nor did I authorize any third party to obtain my credit information. The continued reporting of these unauthorized inquiries, absent verifiable proof of a permissible purposesuch as a copy of my signed authorizationconstitutes a violation of federal law and must be corrected immediately.

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 2025-11-12 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: FL

Complaint narrative:
The consumer reporting agency has failed to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by neglecting to properly verify the accuracy and completeness of the information contained in my credit file. Despite my formal request for a thorough reinvestigation of all items reported, the bureau has either failed to provide sufficient verification or continues to report information that remains unverified. This failure constitutes a direct violation of my rights under federal law and raises serious concerns about the accuracy, integrity, and reliability of the information being reported in my consumer file.

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 2025-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
Accounts in Dispute ( Fraudulent ) Account Ending XXXX Charged-off XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charged-off / sold Sold to Midland Credit Management Summary of the Problem - Identity Theft : My personal information was stolen and used to open multiple XXXX  XXXX XXXX accounts without my knowledge or consent. Fraudsters also opened bank accounts in my name to make initial payments, then stopped paying after credit limits were increased. 

- Bureau Disputes Ignored : I filed disputes with XXXX XXXX XXXX XXXX  Each bureau confirmed forwarding my disputes and supporting documentation ( FTC IdentityTheft Report & police report ) to XXXX XXXX. XXXX XXXX verified the accounts as accurate without providing any proof of my liability. 

- Illegal Sale of Debt : XXXX XXXX subsequently sold or assigned the chargedoff accounts to thirdparty collectors despite being on notice that the debts were disputed as fraudulent. 

- Refusal to Investigate : XXXX XXXX has refused to provide account applications, transaction records, or any fraud investigation results, contrary to FCRA requirements. 

- Ongoing Harm : The fraudulent tradelines remain on my credit reports, lowering my score, triggering credit denials, and causing significant emotional and financial distress. 

Alleged Violations - FCRA 623 ( b ) / 15U.S.C. 1681s2 ( b ) Failure to conduct a reasonable reinvestigation after notice of identitytheft dispute.

- FCRA 605B / 15U.S.C. 1681c2 Failure to block fraudulent information after receiving an identitytheft report.

- FCRA 609 ( e ) / 15U.S.C. 1681g ( e ) Failure to provide records related to fraudulent accounts to the victim. 

- FCRA 623 ( a ) ( 6 ) Furnishing information after notice from consumer reporting agency of identitytheftrelated dispute.

- GrammLeachBliley Act ( 12C.F.R. Pt1016 ) Failure to protect consumer data, enabling identity theft. 

- Nevada Identity Theft Statutes ( XXXX etseq. ) Negligent enabling or failure to correct identity theft affecting a Nevada resident. 

Harm Suffered - Credit Denials & Higher Rates on autoloan and mortgage inquiries. 

- OutofPocket Costs for credit monitoring, fraud alerts, certifiedmail disputes. 

- Time & Emotional Distress from ongoing collection calls and damage to reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: PA

Complaint narrative:
I am feeling completely overwhelmed because those inaccurate accounts continue to show up on my credit report. I am begging for someone to go over the attached documents carefully and fix this once and for all so I can have peace of mind 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 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
I pulled my credit reports in XXXX and noticed that there are numerous collection accounts on my credit report. I noticed on this collection they are reporting a couple different companies for the same account. On XX/XX/year> I sent a debt validation letter to XXXX XXXX XXXX which is the company reporting negative items on my credit report. I sent letter certified mail and they received it on XX/XX/year>. Then as I was going through other credit reports noticed for same account another collection agency reporting on same account again but this time for LVNV Funding LLC. I sent a debt Validation letter via certified mail to them on XX/XX/year> as well wanting validation of this debt. On XX/XX/year> all of a sudden I get a letter from a Resurgent Capital Services stating they manage LVNV funding LLC and have initiated review of inquiry they recently received. I am not sure where they are coming from all of a sudden. So now I have XXXX companies reporting on my credit bureaus. This account sold numerous times. On XX/XX/year> I received letter again from Resurgent stating they have enclosed the account summary which provides verification of debt. I specifically stated in my debt Validation letters Validation of debt NOT verification of debt. So they are not sending me what I am by law legally able to get. They then also sent a statement. On XX/XX/year> I sent a follow-up Debt Validation request now to Resurgent stating that a statement does not constitute sufficient validation of alleged debt and again asking them for specific items to validate not verify the debt. On XX/XX/year> I got a letter from XXXX ( For same account again ) stating they are sending me copy of application and all monthly billing statements. No where in my letters did I ask for monthly billing statements. The supposide application they sent me was a SCREEN SHOT of name address, econsent, et cetera that shows no bearing of signature on it from me. On XX/XX/year> XXXX again sent me another letter with another account summary which again they state provides verification of debt. I don't want verification of debt I specifically said VALIDATION OF DEBT. And again, they sent me another XXXX statement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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:
The consumer reporting agency has failed to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by neglecting to properly verify the accuracy and completeness of the information contained in my credit file. Despite my formal request for a thorough reinvestigation of all items reported, the bureau has either failed to provide sufficient verification or continues to report information that remains unverified. This failure constitutes a direct violation of my rights under federal law and raises serious concerns about the accuracy, integrity, and reliability of the information being reported in my consumer file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: NY

Complaint narrative:
I hope this letter finds you well. I am writing to request your assistance in updating specific accounts listed on my credit report. Upon review, I discovered certain information that appears to be outdated or inaccurate. I respectfully request that my credit file be updated to ensure it accurately reflects my current and verified financial information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
On XX/XX/year>, I bought a XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It was financed through Credit Acceptance. I had a warranty on the car. Three days after getting the car, it stopped. It kept stopping. XXXX XXXX said I had not driven the car enough. Shortly after that, the motor blew up. It was smoking and seemed to be burning up. XXXX towed it to XXXX 's XXXX XXXX XXXX. A few days later, XXXX XXXX called me and said my car was ready. After taking the car home, it broke down again the next day. My nephew came to help me and he realized that XXXX XXXX had given me a different car altogether, without my knowledge. I took it back and asked him for a refund because he was refusing to honor the warranty. He took the car back but has refused to close out the sale or give me any money back. Credit Acceptance is still trying to collect money from my account. I have asked them to stop. They have refused. I told them XXXX XXXX has the car. They said he has not closed out the deal. I do not know what to do.

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 2025-11-12 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2025-11-12 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2025-11-12 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: Possible Financial Inc
State: TX

Complaint narrative:
I am submitting this complaint regarding an inaccurately reported charge-off account by POSSIBLE FINANCIAL INC XXXX Account ending in XXXXXXXX XXXX XXXX XXXX  ), showing a high balance of {$50.00} and a date opened of XX/XX/year>. 

I have no knowledge of this account and have never opened, authorized, or maintained any account with POSSIBLE FINANCIAL INC. The reporting of this alleged charge-off is false, misleading, and unverifiable, resulting in an unjustified negative mark on my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, furnishers of information must report only accurate and verifiable information. Reporting a charge-off account that can not be substantiated is a violation of both the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, which prohibits false or deceptive reporting practices.

I have previously disputed this account with the credit bureaus ; however, it continues to appear without any valid verification or supporting documentation. I am therefore escalating this matter to the Consumer Financial Protection Bureau ( CFPB ) for investigation and enforcement action.

Requested Action : I respectfully request that POSSIBLE FINANCIAL INC provide complete and verifiable documentation proving the validity of this alleged account, including the original application, signed agreement, and payment records. If no such documentation exists, I request the immediate and permanent deletion of this charge-off account from all credit reporting agencies.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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 filing this complaint because my credit report with Equifax contains a fraudulent charge-off account that I did not authorize, open, or provide. 

My report shows a charge-off account reported by XXXX XXXX XXXX XXXX XXXX opened on XX/XX/year>, with a balance of {$0.00}. 
I did not open this account, authorize it, apply for it, nor have any knowledge of it. Its presence on my credit report is harming my creditworthiness and is a direct violation of my consumer rights.

Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) Equifax is required to maintain maximum possible accuracy in the information it reports. 

15 U.S.C. 1681i ( a ) ( 5 ) Any unverifiable or inaccurate information must be permanently deleted.

15 U.S.C. 1681s-2 The furnisher is prohibited from reporting false, unverified, or inaccurate information.

FDCPA 1692e Prohibits false, misleading, or deceptive representations of alleged debts. 

I am demanding the immediate investigation and permanent deletion of the fraudulent charge-off account reported by XXXX XXXX  from my Equifax credit report. 

Any failure to remove this inaccurate and fraudulent information will be considered willful noncompliance with federal law, and I reserve my right to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the State Attorney General, and pursue all remedies available under 15 U.S.C. 1681n and 1681o. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief