vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: IA

Complaint narrative:
On XX/XX/year> I purchased a XXXX from XXXX XXXX XXXX. Their finance department made hard credit inquiries to get the best rate for me. They were all done in a 24 hour time frame. The are legitimate inquiries but Experian reports that I have seven hard inquiries which they rate as poor however three were made on the same day for an auto loan and should only count singular which would reduce my hard inquiries from seven to four which would then rate as fair and not negatively impact my credit score. The inquiries are as follows Stew XXXX XXXX XXXX XX/XX/year>, XXXX XXXX, and Ally Financial XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
On XX/XX/year> I purchased a XXXX from XXXX XXXX XXXX. Their finance department made hard credit inquiries to get the best rate for me. They were all done in a 24 hour time frame. The are legitimate inquiries but Experian reports that I have seven hard inquiries which they rate as poor however three were made on the same day for an auto loan and should only count singular which would reduce my hard inquiries from seven to four which would then rate as fair and not negatively impact my credit score. The inquiries are as follows Stew XXXX XXXX XXXX XX/XX/year>, XXXX XXXX, and Ally Financial XX/XX/year>

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 2025-12-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XX/XX/year> XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had one late payment on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following date XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action. 
account name XXXX XXXX  Account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: FL

Complaint narrative:
Despite being paid in full, this account still reflects late payments inaccurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: VA

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: BROKER SOLUTIONS, INC.
State: FL

Complaint narrative:
Hello, I sent an email to the person who worked on our loan contract and the closing company. I have provided pertinent information for each entity involved below. 

XXXX XXXX - XXXX ID : XXXXXXXX XXXX XXXX XXXX Document Number : XXXXXXXX XXXX  Number : XXXX Agent information that performed the closing : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Closing XXXX XXXXXXXX This is the email message I sent to XXXX XXXX and XXXX XXXX XXXX XXXX 
" Good morning, We received our funding on XX/XX/XXXX. Our property taxes were due before the end of XXXX to avoid the highest amount. This morning, I checked our property taxes online, and they were not paid on time. Now the amount is higher. I reviewed the contract and read XXXX XXXX {$160.00}, so we ended up paying our taxes at the highest amount. Never properly explained. We are highly disappointed by the way we were deceived. Your business practice has been eye-opening. Do not trust any bank or title company. Moving forward, I will use an attorney to review all contracts. 

XXXX, if you recall, I wanted to pay our own taxes to avoid the higher cost, which is our standard practice. I clearly remember you mentioned that doing so would extend the closing date. You entered the early payment but added the XXXX XXXX, which was our mistake because of our lack of knowledge and our trust in you and XXXX. 

I do not have yours and XXXX XXXX IDs. If possible, I will share this message with others to read. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: GA

Complaint narrative:
I have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: CA

Complaint narrative:
I am writing to formally dispute the listed accounts, which are not associated with me and were not authorized. Please remove them and complete a review. Documentation is enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: VA

Complaint narrative:
Even though the balance has been paid in full, late payment remarks remain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: NC

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-03 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: CA

Complaint narrative:
I am submitting a complaint against Equifax, TransUnion, Experian for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, They have not fulfilled its legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report ( 15 U.S.C. 1681e ( b ) ) and conducting a proper reinvestigation to remove the errors within the required 30-day period ( 15 U.S.C. 1681i ( a ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: CA

Complaint narrative:
I am submitting a complaint against Equifax, TransUnion, Experian for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, They have not fulfilled its legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report ( 15 U.S.C. 1681e ( b ) ) and conducting a proper reinvestigation to remove the errors within the required 30-day period ( 15 U.S.C. 1681i ( a ) ).

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 2025-12-03 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Date : XX/XX/year> LVNV Funding, LLC c/o Resurgent Capital Services XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Cease and Desist Notice / Dispute of Debt Reporting To Whom It May Concern : I am writing to formally notify you that I dispute the validity of the alleged debt you have reported or are attempting to collect under my name. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I request that you immediately : 1. Cease all collection activity, including calls, letters, emails, or any other form of contact ; and 2. Remove any reporting of this alleged debt from all credit bureaus ( XXXX, XXXX, and XXXX  ), unless you can provide full and complete validation.

As of this date, I have not received sufficient documentation proving that I owe this debt or that your agency has the legal right to collect it. Reporting unverifiable information to credit bureaus is a violation of 15 U.S.C. 1692e and 15 U.S.C. 1681s-2.

Until proper validation is provided, you must stop all collection efforts and delete the account from my credit file. If you fail to comply, I will consider pursuing further action with the Consumer Financial Protection Bureau ( CFPB ), my state Attorney General, and any other appropriate regulatory bodies. 
Please respond in writing only. 
Sincerely, ___________________________ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was recently approved for a new car auto loan via XXXX XXXX, located on XXXXXXXX XXXX in XXXX, Florida, and Capital One Auto Finance. I did not receive any information regarding the Truth in Lending disclosure until after signing the paperwork, which I signed without prejudice under the UCC ( Uniform Commercial Code ) ; Fla. Stat. 671.207. This reserved my right to recourse and non agreement to perform under any contract that I did not enter into knowingly, willingly, and voluntarily. There is a first in line first in time lien established via a previously filed UCC-1 financial statement by myself, the natural person. I received a less than favorable interest that is usually given to those with a subprime XXXX XXXX. My XXXX XXXX at the time of applying for said credit was XXXX, which puts me in a category of those with good credit. As published by Capital One Auto Finance, see the following : With a XXXX XXXX XXXX, Capital Ones average auto loan interest rate typically falls in the good credit range around XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXs. 

-- - Breakdown of Rates Capital One published averages : New car loans : XXXX % XXXX for borrowers with good credit A B Used car loans : XXXX % XXXX for borrowers with good credit A B XXXX XXXX category : A XXXX score is considered good ( prime but not excellent ). 
This places you above fair/nonprime borrowers ( who often see XXXX  % APR ) but below super prime borrowers ( who can secure rates closer to 45 % ). 

XXXX XXXXs ( XXXX XXXX XXXX XXXX Average new car loan rate : XXXX XXXX APR. 
XXXX used car loan rate : XXXX XXXX XXXX 
With a XXXX score, youd likely be closer to the lower end of those ranges XXXX XXXX. 

Consequently, I was given an interest rate of above XXXX XXXX  which is published by Capital One Auto Finance as the rate given to fair/non prime borrowers. The resolution I am seeking is the correct interest rate for my XXXX XXXX at the time I applied via XXXX XXXX, and a review and restructuring of the loan terms along with the correction of all errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BSI Financial Holdings, Inc.
State: MD

Complaint narrative:
Every year, my mortgage servicer fails to provide a statement explaining my escrow shortage or the reason for any increase in my mortgage payments, nor do they offer the option to pay the shortage in a lump sum. This year, my monthly payments went up again, so Im assuming its due to an escrow shortage, but I did not receive any notification explaining the increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: IL

Complaint narrative:
I am an Illinois resident who received a {$5000.00} loan from OppLoans/XXXX XXXXXXXX XXXX  XXXX XX/XX/year>. The APR on the loan is 178.51 %.

Illinois law ( the Predatory Loan Prevention Act ) caps APR at 36 % for all consumer loans. This loan violates Illinois law. OppLoans attempted to debit {$460.00} from my bank account every pay period. I revoked ACH authorization and my bank has blocked further withdrawals.

I contacted OppLoans and requested a recalculation of my loan under the legal 36 % cap, but they have not responded yet. I am requesting CFPB assistance to enforce Illinois law, stop illegal charges, and ensure OppLoans honors the state interest rate cap. 

Loan number : XXXX Borrower : XXXX XXXX XXXX XXXX 178.51 % State : Illinois

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I respectfully request the removal of this credit inquiry from my report, as I did not authorize it and have no association with the creditor involved. Please ensure its prompt deletion to maintain the accuracy of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
am disputing a rental collection account being reported by National Credit Systems ( NCS ). I am not admitting to owing any amount. The balance they are reporting is inaccurate, unverified, and does not match my lease terms or payment history. 

The property received multiple payments from me and additional assistance payments, but NCS is reporting a balance that is mathematically impossible and not supported by any itemized documentation.

NCS has not provided : A verified final ledger An itemized breakdown of charges Documentation showing how payments were applied Proof of how they calculated the reported balance I request that NCS provide full verification of the account, including all charges and payments. If they can not provide proper documentation, the account should be corrected or deleted in accordance with the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: TX

Complaint narrative:
INACCURATE LATE PAYMENTS.I HAVE NEVER BEEN LATE ON THE ACCOUNTS.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

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 2025-12-03 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: VA

Complaint narrative:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

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 2025-12-03 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: CA

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 605B ( 15 U.S.C. 1681c-2 ). 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 2025-12-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Harris & Harris, Ltd.
State: AR

Complaint narrative:
I reached out to Harris & Harris XXXX XX/XX/XXXX about a collection on my Credit Report. This was an account on XX/XX/XXXX that I dont open and has a balance of {$62.00}. I ask them to send me proof of this account and never received any.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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