vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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: NC

Complaint narrative:
I am submitting to dispute the inaccuracies late payment listed on my credit report for the following account. Upon reviewing my credit report, I discovered several discrepancies that I believe violate my rights under the Fair Credit Reporting Act ( FCRA ) XXXX respectfully request a full reinvestigation of these issues and their correction as required by law. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$290000.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX lates 30 days XX/XX/XXXX and XX/XX/XXXX 60 days, late 90 days XX/XX/XXXX and 120 days XX/XX/XXXX and 150 days lates XX/XX/XXXX - not same lates with other bureaus Under FCRA 623 ( a ) ( 2 ), furnishers have a duty to correct and update information that is inaccurate. I ask that this account be re-examined and updated to reflect the accurate status. 
In addition, FCRA 623 ( b ) requires furnishers to investigate disputed information. Since the late payment entries on both accounts are inconsistent and inaccurate, I request that these furnishers provide clear evidence of the late payments or correct them from my report if they can not substantiate the claims.

As outlined in FCRA 602, Congress has emphasized the importance of ensuring the accuracy, fairness, and privacy of information in the credit reporting system. The current inaccuracies on my credit report undermine these objectives and cause harm to my financial reputation and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: LA

Complaint narrative:
I am sending to formally dispute the reporting of late payments on the account listed as XXXX XXXXXXXX XXXX Account # 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 2025-11-13 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  * - Balance : {$0.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-13 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: AZ

Complaint narrative:
I did not authorize this inquiry, nor did I initiate any application for credit with this company. Under the Fair Credit Reporting Act ( FCRA ), only inquiries that I have expressly authorized are permitted to appear on my credit 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 non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

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 2025-11-13 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:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. Please help me get these accounts removed immediately. Account name XXXX  XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account XXXX XXXX Account number 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 2025-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am filing this complaint regarding an unlawful repossession conducted by Capital One Auto Finance. I lawfully purchased my vehicle at a public auction pursuant to a court order, and I hold a valid Georgia  title showing Capital One is no longer the lienholder. Despite providing Capital One with copies of both the court order and title, their representatives have failed to issue a repossession stop order to the towing company. 

It has now been over three business days since I was told the matter would be resolved, and my vehicle remains wrongfully held. This situation constitutes wrongful repossession and conversion of property under O.C.G.A. 11-9-625 and O.C.G.A. 51-10-1.

I am requesting that the Attorney Generals Office intervene to ensure Capital One immediately acknowledges the lawful ownership reflected on my title, issues the stop order, and authorizes the release of my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I am a victim of identity theft i sent this furnisher a complete identity theft package under FCRA 623 including my ftc identity theft report government id proof of address and a highlighted credit report showing the fraudulent account they are reporting This furnisher is in violation of FCRA 623 because they failed to delete the fraudulent account and continued to furnish inaccurate information to the credit report agencies they either ignored my request or verified the account without providing any proof that i opened or authorized it.

under FCRA 623 furnishers must investigate and remove fraudulent information cease reporting to CRAS and notify each CRA to remove it

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 2025-11-13 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: Kriya Capital, LLC
State: NJ

Complaint narrative:
I am a victim of identity theft i sent this furnisher a complete identity theft package under FCRA 623 including my ftc identity theft report government id proof of address and a highlighted credit report showing the fraudulent account they are reporting This furnisher is in violation of FCRA 623 because they failed to delete the fraudulent account and continued to furnish inaccurate information to the credit report agencies they either ignored my request or verified the account without providing any proof that i opened or authorized it.

under FCRA 623 furnishers must investigate and remove fraudulent information cease reporting to CRAS and notify each CRA to remove it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I am filing this complaint against Citibank N.A., my credit card issuer, regarding their mishandling of a dispute I filed for a charge of {$98.00} on XX/XX/XXXX from a foreign merchant ( XXXX XXXX XXXX ). 

This was an unauthorized annual renewal for a digital subscription I no longer used. I had deleted the app before the renewal and received no notice that I would be charged. After I was billed, I promptly contacted the merchant on XX/XX/XXXX to cancel and request a refund, but they refused. I then disputed the charge with Citibank. 

Citibank denied my dispute on XX/XX/XXXX, siding with the merchant but at no point did Citi ever invite me to submit my own documentation or evidence. 

Citi failed to conduct a reasonable investigation as required by 15 U.S.C. 1666 ( a ) of the Fair Credit Billing Act. I was never contacted or invited to submit my own documentation, even though the merchant submitted a XXXX rebuttal. Citi accepted the merchants position without evaluating my side or applying Mastercards rules for recurring billing. 

This is not just a customer service issue it reflects both merchant misconduct and issuer failure : The merchant ( XXXX ) admits in writing that they do not send pre-renewal reminders, which is a direct violation of XXXX Transaction Processing Rules ( Section 5.4.1 ) for subscriptions billed on cycles longer than XXXX months. 

Citi accepted this merchant response without asking for my rebuttal and closed the case based solely on the merchant 's terms of service. 

Citis process denied me due process as a consumer and failed to enforce XXXX  standards for recurring billing.

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 2025-11-13 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: PA

Complaint narrative:
This account has been reported in error and is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: PA

Complaint narrative:
This account has been reported in error and is not mine.

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 2025-11-13 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: GA

Complaint narrative:
I am sending to bring to your attention about inaccurate information appearing on my credit report that was not associated with my verified identity or financial history. This error involve inaccurate names andd addresses and charge-off accounts that had been inaccurately reported. I am requesting that these account be immediately blocked and permanently deleted from my credit file under my rights provided by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
INACCURATE NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX Balance {$6700.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1300.00}

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 2025-11-13 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 am sending to bring to your attention about inaccurate information appearing on my credit report that was not associated with my verified identity or financial history. This error involve inaccurate names andd addresses and charge-off accounts that had been inaccurately reported. I am requesting that these account be immediately blocked and permanently deleted from my credit file under my rights provided by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
INACCURATE NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX Balance {$6700.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: IL

Complaint narrative:
I am submitting to formally request the removal of all dispute comments and the resetting of dispute statuses for the following accounts currently listed on my credit report : XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$3100.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2800.00} These accounts were previously reported as consumer disputes this account or a similar notation. However, I am no longer disputing these accounts, and I am requesting that all dispute-related remarks and codes be removed immediately. The continued presence of dispute comments is negatively affecting my ability to obtain new credit, as lenders interpret these notations to mean the accounts are still under dispute. Since I am no longer challenging the accuracy of these items, the dispute indicators are no longer valid and should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: GA

Complaint narrative:
I am sending to dispute several inaccurate and misleading entries being reported on my credit files as late open accounts by your Experian, Equifax, Transunion. Upon reviewing my reports. I noticed a repeated pattern of accounts showing late payments and open statuses that are inconsistent with my actual credit history and activity. 

XXXX XXXX XXXX Balance {$1400.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance $ {$19000.00} DPT EDXXXX XXXX Balance {$7100.00} DPT EDXXXX XXXX Balance {$3800.00} DPT EDXXXX XXXX Balance {$4600.00} DPT ED/XXXX XXXX Balance {$2500.00} DPT EDXXXX XXXX Balance {$10000.00} DPT EDXXXX XXXX Balance {$7100.00} DPT EDXXXX XXXX Balance {$3700.00} DPT EDXXXX XXXX Balance {$2300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: GA

Complaint narrative:
I am sending to dispute several inaccurate and misleading entries being reported on my credit files as late open accounts by your Experian, Equifax, Transunion. Upon reviewing my reports. I noticed a repeated pattern of accounts showing late payments and open statuses that are inconsistent with my actual credit history and activity. 

XXXX XXXX XXXX Balance {$1400.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance $ {$19000.00} DPT EDXXXX XXXX Balance {$7100.00} DPT EDXXXX XXXX Balance {$3800.00} DPT EDXXXX XXXX Balance {$4600.00} DPT ED/XXXX XXXX Balance {$2500.00} DPT EDXXXX XXXX Balance {$10000.00} DPT EDXXXX XXXX Balance {$7100.00} DPT EDXXXX XXXX Balance {$3700.00} DPT EDXXXX XXXX Balance {$2300.00}

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 2025-11-13 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: FL

Complaint narrative:
I disputed an XXXX XXXX  credit card account that is reporting inaccurately on Experian, XXXX XXXX XXXX The account is reporting a {$420.00} charge-off balance and monthly past-due amounts even though the account was charged off. 

I disputed the account with each credit bureau. They marked the account as updated but none of the negative information changed. No documentation was provided to support the verification. 

I specifically requested : - The Method of Verification, - The documents reviewed during the investigation, - The name/department that verified the account, - A copy of the signed contract, - Billing statements, - A full accounting of the alleged balance, - Proof of notice of charge-off. 

None of this information was provided by the credit bureaus or by XXXX XXXX XXXX 

The bureaus and furnisher violated : FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) They failed to provide the required Method of Verification.

FCRA 611 ( a ) ( 7 ) They failed to provide verification details within 15 days.

FCRA 623 ( a ) ( 8 ) The furnisher failed to conduct a reasonable investigation. 
CFPB XXXX XXXX A reasonable investigation can not rely only on automated e-Oscar responses.

FCRA 623 ( a ) ( 1 ) ( A ) The furnisher is reporting information it can not substantiate.

FCRA 607 ( b ) The bureaus are not maintaining maximum possible accuracy. 

Additionally, XXXX XXXX continues to report the account as past due every month after charge-off. This is inaccurate unless they can prove an ongoing obligation and provide supporting documentation, which they have not. 

I am requesting that the CFPB require Experian, XXXX XXXX, and XXXX XXXX to provide full documentation supporting the accuracy of this account OR have the account deleted for failure to comply with FCRA and CFPB investigation requirements.

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 2025-11-13 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:
After reviewing my most recent credit report, I was shocked to discover inaccurate name, several addresses and credit inquiries that I do not recognize and have never authorized. This information has caused me confusion and concern, as it paints an inaccurate picture of my identity and financial behavior. I am writing to formally dispute these errors and to request that they be immediately blocked and permanently deleted under the protections granted by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA )

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 2025-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: SN SERVICING CORPORATION
State: PA

Complaint narrative:
I am writing to file a complaint regarding the delay in closing my mortgage account, despite the company have received the full loan payoff from my new lender. 
The lender is SN Servicing Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I requested a payoff statement XXXX XXXX XXXX XXXXXX/XX/year>, and received the quoted payoff amount, which was valid through XX/XX/year>. My new lender, XXXX XXXX, funded and sent the full payoff to SN Corporation on XX/XX/year>. 



On XX/XX/year>, I called SN corporation to confirm receipt of the funds and to request clarification on the balance difference, since I was charged daily interest through XX/XX/XXXX, XXXX full 14 days after the date you received payment. During that call, your representative confirmed that the funds had indeed been received on XX/XX/year>, but stated that it could take XXXX to XXXX  days to close the loan and that a new statement would be mailed to me for any balance differences. 
. The loan payoff was received and confirmed, and there should not be any additional interest or charges accrued after XX/XX/year>. I am therefore requesting : A refund of the excess interest charged from XX/XX/XXXX through XX/XX/year>. 

A corrected escrow account statement. My escrow balance should reflect {$1400.00}, yet SN Corporation currently showing {$1300.00}. 

Additionally, I received a letter from XXXX XXXX, dated XX/XX/year>, confirming that the loan is closed. This further supports that SN Corporation should have finalized the loan closure immediately upon receipt of the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I made a typographical error on my mortgage payment at the beginning of XXXX. I entered {$2000.00} instead of the required amount of {$2100.00}. Please see attached documents for further explanation. 

Attached : Formal Letter of Request for CFPB XXXX payment history Bank Statement Tax Document with Driver License Please deidentify my formal letter of request and post to consumerfinance.gov. Veterans should be aware of Freedom Mortgage 's behavior and standard operating practices.

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