vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My Experian consumer file incorrectly lists my address as : XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, FL XXXX This is factually inaccurate. My true and correct residence is : XXXX XXXX XXXX, XXXX XXXX, FL XXXX I have never lived in or been associated with an apartment at this location. The inclusion of XXXX  XXXX is erroneous and misleading. 
This violates FCRA 1681e ( b ) ( duty to assure maximum possible accuracy ) and FCRA 1681i ( a ) ( duty to correct or delete disputed inaccurate information ). Incorrect address data creates risk of file mixing, credit denials, and identity verification issues.

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 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
This letter is to inform of XXXX XXXXXXXX XXXX  and fraudulent business practices. I attempted to purchase an XXXX XXXX XXXX on XX/XX/year>. On XX/XX/XXXX the representative XXXX called me to inform the battery was not in stock. XXXX advised me it would be in stock the following week. 
On XX/XX/XXXX I spoke to XXXX and the battery was still not in stock. But he advised me that it would be in stock later the same week. XXXX called me on XX/XX/XXXX and he still was not straight forward on if the battery was in stock, and I emailed asking for a refund. 
XXXX then called me asking for a photo of my license and ID so he could process the order for pick up. Then I never heard back from him. 

So I emailed XXXXXXXX XXXX  again on XX/XX/XXXX asking for a refund. No one ever responded. That is when I filed disputed with Capital One. 

This company is practicing fraudulent and shady business practices because when I ordered the battery online it never stated that it was not in stock and had to be ordered. Then XXXX promised several times that the shipment was coming in and he never actually got the shipment or followed up with me. This is fraud. So I filed a complaint with the FTC about this fraudulent activity at XXXX XXXX. 

So on XX/XX/year> I called another solar company, XXXX XXXX XXXX and they informed me that they had the unit in stock at their warehouse and would ship the battery out once I processed my order. So that charge of {$3400.00} was for the battery I attempt to purchase at XXXXXXXX XXXX that they never had in stock. 

So if I received or got the battery from XXXXXXXX XXXX why would I purchase it from XXXXXXXX XXXX XXXX 
Attached is my documented proof and evidence of this fraudulent activity. I never received any products from XXXXXXXX XXXX 
I would like to request documented proof from XXXX XXXX of them delivering and/or me picking up the battery from them, which is impossible because they are fraudulent scammers and I never received any product from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : DPT EDXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} DPT EDXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} Unauthorized Inquiries to Be Deleted : XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXXXXXX  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 2025-09-17 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: TX

Complaint narrative:
Kindly ensure removal of the disputed accounts within 15 days under 15 USC 1681g.

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 2025-09-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Block, Inc.
State: NE

Complaint narrative:
The amount was for XXXX. Well I thought I'd use cash app pay for it but it was my other card I used to pay for it I didn't even see the service and then the other car denied me my refund too saying I owe them XXXX when I never received a refund cash app has taken my card shut it off on their own wimm and they won't give me another card back and that's where my government benefits go.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank
State: SC

Complaint narrative:
I took a settlement offer and paid this company XXXX on XX/XX/XXXXXXXX XXXX in return them removing this off of my credit report since then they have not did what they stated they were gon na do. Ive spoken to several managers stating it was a error and it will be removed but Im still getting negative reporting on my credit report. And now its saying its being reported as government insurance claim. They are doing everything to not remove it after I paid them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-17 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: NY

Complaint narrative:
My car was a total loss and I was filing a claim with my GAP insurance and West Lake Financial is giving me the run around for a copy of my LOAN CONTRACT. I have been requesting it for 3 days and they hang up on me. I need that for my gap

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On or about XX/XX/2025 I learned that a process server delivered lawsuit documents to my mothers residence. I was told that the documents were given to someone who stuck their hand from behind the door without revealing their face. Furthermore, I havent received any notifications regarding the lawsuit such as a demand letter, or was given an opportunity to dispute the debt. The absence of any prior communication and the questionable service of process clearly demonstrate a failure to meet the conditions precedent for initiating legal action. I believe American Express has failed to comply with the proper procedures for serving a lawsuit, leading to a fundamental breach of due process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I assert that the incorrect late payment notations on my accounts violate 15 USC 1666. I have consistently made my payments on time, and any errors in this reporting are both unfair and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-09-17 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:
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 : INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} 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, 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 2025-09-17 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: TX

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights 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 non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XXXX, a late payment was incorrectly reported on my TransUnion credit file. I disputed it, and TransUnion removed the late payment. I have documentation confirming this deletion. 

Recently, TransUnion put the same late payment back on my credit report without my knowledge or consent. I did not receive the legally required notice of reinsertion, and this has caused serious harm to my credit. 

I have contacted TransUnion multiple times, but customer service ( based outside the U.S. ) has been unhelpful, and I have even been hung up on. The problem remains unresolved. 

This conduct violates the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Deleted information can not be reinserted unless certified accurate and with written notice to the consumer within 5 days. I never received notice. 
15 U.S.C. 1681e ( b ) CRAs must assure maximum possible accuracy. Reinserting an item already proven inaccurate fails this standard.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) CRAs must conduct proper reinvestigations of disputes.

Requested Resolution : 1. Permanently delete the late payment from my TransUnion file.

2. Provide written confirmation that it will not be reinserted again.

3. CFPB review of TransUnions dispute-handling practices for compliance with the FCRA. 

Attachments Provided : Proof of the deletion in XXXX 
Credit report showing the reinsertion. 
Evidence of attempts to resolve with TransUnion.

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 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Card Receivables Fund Incorporated
State: KY

Complaint narrative:
Hi, just received a package letter with all this payroll department- garnishment process and no idea where this came from. Some creditor called UNIFUND CCR , LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future 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 2025-09-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
XXXX caused two issues that led to an invalid collection account on my credit report. First, XXXX  raised my bill without prior notification, violating their terms of service and potentially Pennsylvanias Unfair Trade Practices and Consumer Protection Law ( UTPCPL ). This unnotified rate hike resulted in unpaid charges, which were sent to collections. 

Second, XXXX  violated the Electronic Fund Transfer Act ( EFTA ) by attempting four unauthorized withdrawals from my checking account after I explicitly revoked auto-pay authorization on XX/XX/2025, during two recorded calls with two different XXXX  associates. These unauthorized attempts, occurring after clear revocation, make the resulting debt invalid and the collection disputable.

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 2025-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Innovate Managed Holdings, LLC
State: SC

Complaint narrative:
I have been paying my auto loan to Innovate Loan Servicing Corporation for over 2 years now and the last time I received a Billing Statement from them was XX/XX/XXXX. This company used to be called XXXX before the business name change. I have continued to pay each month accordingly but now XXXX finding out the company doesnt exist anymore. I checked their XXXX  XXXX  and its non existence on the XXXX website. They are also not XXXX  certified and others have complained about this company being a scam also. I found this all out when I tried to make a payment today ( XX/XX/XXXX ) and their website is showing up as a false site and a risk of scam. If this business is a scam I will be requesting a refund for my payments made to this company.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: MS

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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