vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 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: FL

Complaint narrative:
Through this letter, I respectfully request your support in reviewing certain negative accounts that appear on my credit report and which I do not recognize. I have attempted to clarify this matter with the entities that, according to the report, submitted this information ; however, they have confirmed that they do not find any records under my name. This situation has caused me great concern, worry, and stress, to the point of affecting my peace of mind and even disrupting my sleep.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: AR

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: WI

Complaint narrative:
I'm writing to formally dispute inaccurate and misleading information being reported on my credit file related to an account that is marked as late which is factually incorrect and a violation of federal law. 

Let me be absolutely clear : this account has always been paid on time and in full, as agreed. I have never missed a payment on this account. The current reporting of late payments is not only damaging but is also legally inaccurate under 15 U.S. Code 1666b, which governs timely payments and proper billing practices.

This is a billing error, plain and simple. The payment was made as required, and I should not be penalized for a mistake that is not mine. The negative marks being reported are unjustified and are violating the protections provided to me as a consumer under federal 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 2025-08-26 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have been trying to improve my credit score and things are on my report wrong and I have tried to get things removed but nothing has happened. 
XXXX XXXX XXXX XXXX XXXX XXXX etc if affected my score with bad report and will like this removed its unlawful

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Complaint Narrative : I have been communicating with someone named XXXX XXXX via XXXX since XX/XX/XXXX after seeing her post about a room for rent. During our conversation, she requested sensitive information such as my Social Security Number and drivers permit for an application form. She then convinced me to send a {$100.00} application fee and a {$550.00} housing deposit, promising to show me the apartment. 

We scheduled a meeting for XX/XX/XXXX, but when I arrived, no one was there. A neighbor informed me the property was not for rent, and I realized I had been deceived. Afterward, the individual became unreachable. 

I immediately contacted Bank of America on the same day to report the fraudulent transaction. However, Bank of America failed to take reasonable action to assist me, either by attempting to contact the receiving bank to recover the funds or by properly considering the evidence that this was a clear case of fraud. They rather kept blaming the victim, even in the prior file, despite my immediate reporting and detailed explanation of how I was manipulated into sending the money. 

New Evidence : Since my first CFPB complaint, I filed a police report. The police investigation confirmed that I was deceived into sending the money through fraudulent inducement. A copy of the police statement is attached. You may also verify this with XXXX XXXX ( XXXX ), who has handled the case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
I have been using Zelle for the past couple of years and have accidentally sent funds to the wrong person, when asked to see if I can get the money back there was nothing they could do. I was not asked to double check and confirm this was the correct person/company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: SC

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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. A 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 2025-08-26 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am filing a complaint against my loan servicer, XXXX, for inaccurately reporting multiple late payments on my credit report. 

I was repeatedly told by loan officers at XXXX that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. 

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with XXXX, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 
15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Date : XX/XX/XXXXXXXX XXXX  Re : Capital One Improper Credit Reporting and Mishandling of Fraudulent Account Activity To Whom It May Concern, I am submitting this dispute regarding Capital Ones handling of my account during XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, as well as the inaccurate and unlawful credit reporting that has resulted. 

During this period, fraudulent activity occurred on my account. I promptly reported this activity to Capital One. Despite my report, Capital One : Reported missed payments for XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX on an account balance that consisted of fraudulent charges which I am not responsible for under the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666. 

Failed to properly process my fraud dispute when first reported, forcing me to repeatedly call before the fraudulent charges were finally recognized and corrected. 

While Capital One eventually resolved the fraudulent charges, they continued to report missed payments from that same timeframe to the credit bureaus. This reporting is inaccurate, unfairly damaging my credit history, and is in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), which prohibits furnishers from knowingly reporting inaccurate information. 

My Rights and Violations Under the FCBA, I can not be held liable for unauthorized charges, nor can creditors report delinquencies arising from fraud as missed payments against me. 

Under the FCRA, creditors are required to ensure accuracy in reporting. Capital Ones continued reporting of missed payments for fraudulent charges violates these requirements. 

These actions have caused direct harm to my credit and financial reputation. 

Requested Resolution Immediate removal of the reported missed payments for XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX from all credit reporting agencies. 

Correction of my credit report to reflect that I was not delinquent during this period. 

Statutory damages of {$1000.00} per violation as permitted by law, in addition to any actual damages caused by Capital Ones mishandling of this matter. 

Conclusion Capital Ones mishandling of my fraud dispute and its inaccurate credit reporting represent clear violations of my rights under both the XXXX and the FCRA. I respectfully request that the CFPB intervene and require Capital One to correct my credit reporting and compensate me for damages fully allowed by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TIDEWATER FINANCE COMPANY, INC.
State: OK

Complaint narrative:
I have been paying on this vehicle loan for 5 years, ( the term of the loan ). During that time, I have made a total of XXXX payments on the vehicle, totaling roughly {$32000.00}. Tidewater is stating that out of that {$32000.00} that I have only paid about {$5700.00} towards my vehicle. While I do understand that I have a high interest rate, and I do understand that I have had a few late payments and deferments, that still would not account for almost {$26000.00} of my money not being applied to the price of my vehicle and me still allegedly owing close to {$19000.00} on this loan. After reviewing the payment history that was sent to me, there were instances in the report that show payments that were inaccurate in their posting. Also, in comparing my current credit report to a copy of my credit report from 2 years ago, Tidewater has gone back and changed my delinquent status on several months from 30 days late to 60 days late. I have printed copies of my reports to prove that this was changed. I have been given no explanation as to why my account is in this standing other than that I have a high interest loan and that I have made late payments, but that would not explain such an extreme gap between what I have paid, what has been applied, and what I still owe. I have been arguing with Tidewater over the validity of the lateness of some of these payments for years, and I have never been given satisfactory answers. They do not offer the option for payment history review on the site and I am sure that is to their benefit.

Company response to consumer: Closed with explanation