vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-30 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: FL

Complaint narrative:
I am formally disputing and unauthorized several hard inquiries that appear on my credit report from an unknown person between XX/XX/year>, and XX/XX/year>. This is incorrect and is not related to an application for an auto loan. I did not purchase a car on this date. There was a physical presence at this location to apply for financing, but I did not provide written authorization, consent, or a signature from this entity or any representative thereof to pull my credit report. This is an unauthorized inquiry lacking the necessary permission and purpose required for credit reporting ( FCRA ), and it is damaging my credit score. I have a XXXX credit score. The inquiries include XXXXXXXX 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 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 2025-11-30 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:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 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: TX

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Innovate Managed Holdings, LLC
State: TX

Complaint narrative:
I am submitting this response regarding Innovate Loan Servicings continued collection activity and interim statements. Their claims regarding the POA, returned payments, and debt validation are inaccurate, misleading, and legally insufficient.

POA Does Not Authorize Collection : Innovate claims the POA authorizes them to collect payments. This is incorrect. The POA they provided only authorizes handling titles, liens, and duplicate title paperwork. It does not reference my loan, account number, or vehicle VIN, is not notarized, and can not legally justify calls, texts, disabling the vehicle, or collecting any payments. A POA can not replace proper debt validation under 15 U.S.C. 1692g, which Innovate has failed to provide.

Inaccurate Returned Payment Claims : Innovate misrepresented that all payments were returned by my bank. I had only XXXX returned payment due to an account number error, which I corrected. All other attempted payments were reversed by Innovate, not my bank. Innovate also refuses standard payment methods such as credit cards or XXXX payments even though those options are available on their website. If you attempt to use one of these payment options, Innovate reverses the payment on their side, & counts it as a returned payment. Their misrepresentation attempts to justify improper collection and vehicle disabling. 

Continued FDCPA Violations Cease & Desist Ignored : Despite my written cease & desist, Innovate contacted me via phone and text on : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> Additionally, in the open case ( XXXX ), Innovate requested that I call their legal department to discuss a settlement, violating my written-only communication request and 15 U.S.C. 1692c ( c ). Under federal law, no collection or contact is permitted after a cease & desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: FL

Complaint narrative:
I am submitting an identity theft complaint under 15 USC 1681c-2 and 15 USC 1681c-3 . An account and related soft inquiries appearing on my XXXX  credit report are the result of identity theft or unauthorized use of my personal information. I did not authorize this account activity, nor did I authorize any related inquiries.

The information being reported is inaccurate and is directly connected to unauthorized activity. Under 15 USC 1681c-2 ( a ), I am requesting that XXXX  block and permanently remove any account or inquiry resulting from identity theft. XXXX  is required to cease reporting this information upon receipt of my identity theft claim.

XXXX  continues to furnish and publish derogatory and inaccurate information in violation of 15 USC 1681s-2 ( a ). The account is not mine, was not authorized by me, and should have been blocked immediately when I reported identity theft. This continued reporting is causing harm to my creditworthiness and is preventing me from obtaining credit. 

I am requesting a full investigation and the immediate blocking/removal of the fraudulent account and all associated inquiries as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I am filing a complaint against American Express regarding an identity theft-related account ( ending in XXXX ) that I did not open. I previously submitted an FCRA 605 ( b ) Identity Theft Claim along with supporting documents. American Express denied my claim, stating that I made payment arrangements on the account.

Any communication I had with American Express occurred before I knew the account was fraudulent and was made in confusion while attempting to understand the nature of the debt. This does not constitute acceptance of liability under the FCRA.

American Express also sent an Application Information Form, which merely repeats information typed into an online application and does not prove I applied for or authorized the account. They failed to provide IP address logs, device data, authentication records, call recordings, or any evidence required to deny a 605 ( b ) block.

I sent a formal rebuttal and a demand for evidence under FCRA 609 ( e ), but American Express has not provided the legally required documentation.

I am requesting CFPB assistance to : 1. Require American Express to comply with FCRA 605 ( b ) and block the fraudulent account. 
2. Require American Express to provide all business records relied upon per FCRA 609 ( e ).

3. Require cessation of collection and reporting of the fraudulent account.

I am a victim of identity theft and need CFPB support to compel compliance with federal law.

Attached is original and follow up 605b letter proof of identity and address police report and DOCUMENTS THEY SENT IN MAIL AS PROOF

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
In XX/XX/year> a foreclosure sale date was scheduled while we were actively attempting resolution. 
Two debtor adjournments were used, leaving any further delay dependent upon servicer review, plaintiff consent, or court-ordered relief. 

In XX/XX/year> XXXX XXXX XXXX of our ERMA/Mortgage Assistance XXXX XXXX 
On the same day they issued written notice stating there was insufficient time to review before the sale. 
This means the application was received but not processed to completion. 

On XX/XX/year> we requested a full payoff statement during a recorded call. 
The servicer advised that payoff generation requires XXXX hours. 
Ombudsman communication later confirmed the assistance review was still ongoing, with their expected response after the scheduled sale. 

So at the time the sale remained active, the loss-mitigation review was open, the payoff request was pending, and no determination or accounting was issued before the scheduled sale date.

That sequence risks dual-tracking under 12 CFR 1024.41 because foreclosure advancement was not paused while review and payoff processing remained uncompleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
XXXX dollars XXXX of XXXX was mailed more papers from court in XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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 formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, must allow at least 21 days between the statement date and the payment due and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: IL

Complaint narrative:
I am filing a complaint about an inaccurate and unauthorized {$1000.00} collection account that IQ Data International reported to my credit on XX/XX/year>. 

This debt is invalid. I have a signed Lease Termination Agreement from XXXX XXXX XXXX/ XXXX XXXX XXXX that released me from my lease without penalty and stated that I was only responsible for rent and utilities through XX/XX/year>. 

I moved in on XX/XX/year> and moved out on XX/XX/year>. I returned the keys and left the unit clean. I have photos showing the condition when I moved in and a video showing the unit clean at move-out. 

Despite the agreement releasing me from any additional charges, the apartment assigned a {$1000.00} balance to IQ Data International. This balance is improper and unauthorized. 

I am requesting the CFPB to require : 1. IQ Data International to delete the collection account from all credit bureaus XXXX. XXXX XXXX XXXX/ XXXX  XXXX XXXX  to correct their records and stop reporting unauthorized charges 3. A full investigation into this improper credit reporting I am attaching my Lease Termination Agreement, photos, and move-out video if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint because my credit report contains inaccurate and outdated personal information, which I formally disputed with Transunion. 
Despite submitting the dispute along with proper supporting documentation, the credit bureau has failed to correct the following : Details of the Dispute : Incorrect Name : My current legal name is XXXX XXXX, but it is incorrectly listed on my credit report. 
I request that my name be updated to reflect the correct and complete legal name. 
Outdated Address : My current residential address is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX However, my credit report shows an outdated and inaccurate address. 
I request that my current address be updated and that all outdated addresses be removed. 
1. Incorrect Employers : My current and correct employer is : XXXXXXXX XXXX XXXX XXXX The credit report incorrectly lists employers I have never worked for. 
I request that only verifiable and correct employment information be reported. 
Applicable Laws Violated : The credit reporting agencys failure to remove or correct these inaccurate items violates several provisions of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to ensure maximum possible accuracy 15 U.S.C. 1681i Failure to reinvestigate disputed information within the required timeframe 15 U.S.C. 1681g Right to receive complete and accurate information from a credit file 15 U.S.C. 1681s-2 ( a ) Duty of data furnishers to report accurate information CFPB XXXX XXXX XXXX on reinvestigation obligations of CRAs These errors can cause significant harm to my creditworthiness and may associate me with data and accounts that are 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 2025-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
To whom it may concern, I am writing to dispute what I believe to be an improper and unsupported denial of my application for a Capital One 360 Checking account. The stated reason for the denial cites negative information in my XXXX XXXX XXXX consumer report. I have obtained and reviewed my official XXXX  report, and it contains no adverse information whatsoever. I have never had a returned check, a returned ACH, or any activity that would justify an adverse banking decision.

This makes the denial particularly concerning given that I currently maintain three credit card accounts and an auto loan with Capital One, all in excellent standing. There has never been a single negative mark on any of these accounts. Capital One has full access to this information, which raises serious questions about the basis for the denial and whether proper procedures were followed.

I have attempted to resolve this through multiple outreach attempts but have received no response. At this point, I am prepared to escalate this matter, as the denial appears unsupported by any factual record and suggests the possibility of improper or prejudicial practices in the application review process. 

I can provide full documentation for each denial notice and the complete XXXX report that contradicts the stated reason for the adverse action. Given that the denial explicitly cites XXXX I can not accept the explanation that a generic or unrelated factor was involved. 

I request a prompt and detailed explanation of the specific information used to deny my application, as required under the Fair Credit Reporting Act and applicable banking regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I am filing this complaint because Capital One advertised a promotional credit card offer on their website that they refused to honor after I applied and was approved. 

When I applied for the card, Capital Ones website clearly displayed an offer that included 0 % APR and a 20,000-mile bonus after spending {$500.00} within the first three months of account opening. These terms were prominently shown and were a major factor in my decision to apply for the card.

After being approved, I contacted Capital One to confirm that both promotions were active on my account. During this call, I was informed that neither promotion had been applied, despite the fact that I applied based on the advertised offer.

I asked to speak to a supervisor, who told me that Capital One would not be applying the promotions, even after I explained that they were advertised at the time of application. When I requested to speak to a manager or further escalate the matter, I was told that they would not be transferring me and that there was nothing they would be doing.

This appears to be deceptive and misleading advertising, and it caused financial harm because I applied for a product under terms that Capital One refuses to provide. This conduct violates consumer protection principles and potentially the Truth in Lending Acts requirements for clear and accurate disclosure of credit terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: IL

Complaint narrative:
The credit bureaus are reporting an account as Closed but still showing a past-due balance and delinquency. A closed account can not legally report a past-due amount because no new payments are due once the account is closed. This is inaccurate and violates FCRA 607 ( b ), 611, and Regulation V ( 12 CFR 1022.41 ). I disputed this with the bureaus, but they verified the inaccurate data without providing documentation. I am requesting a full investigation and removal of any inaccurate or unverifiable information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 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: IL

Complaint narrative:
The credit bureaus are reporting an account as Closed but still showing a past-due balance and delinquency. A closed account can not legally report a past-due amount because no new payments are due once the account is closed. This is inaccurate and violates FCRA 607 ( b ), 611, and Regulation V ( 12 CFR 1022.41 ). I disputed this with the bureaus, but they verified the inaccurate data without providing documentation. I am requesting a full investigation and removal of any inaccurate or unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: IL

Complaint narrative:
am filing a formal dispute regarding the XXXX XXXX account appearing on my TransUnion credit file. The reporting is inaccurate, incomplete, and violates FCRA 602 ( A ), 607 ( b ), 611, 623 ( a ) ( 5 ), and XXXX guidelines. 

1. Conflicting and impossible account statuses : TransUnion, XXXX, and XXXX reports this account as OPEN while also reporting Payment Status as Collection/Charge-off with remarks Placed for collection. A collection/charge-off account can not be reported as Open under XXXX standards. This is inaccurate and misleading. 

2. Date logic violations : The Date of Last Activity and Date Reported are both XX/XX/XXXX, while the Date Opened is XX/XX/XXXX. These dates are inconsistent and suggest re-aging, which violates FCRA 623 ( a ) ( 5 ). 

3. Unverified balance : XXXX reports a High Balance and Balance Owed of {$810.00}. As a debt buyer, they must provide documentation showing the balance is valid and matches the original creditors charge-off records. 

4. Incorrect dispute status : The file states Account not disputed, which is false. I previously disputed this, and failing to show the dispute violates FCRA 611 and CFPB Regulation V.

Requested Resolution : Delete the account if XXXX can not verify all data elements with original creditor documentation. 

Or, correct all inaccurate and conflicting fields. 

Provide an updated copy of my corrected credit report. 

Attached is a full PDF outlining the issues in detail. 
drivers license credit report XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NE

Complaint narrative:
I only can upload a screenshot of the closed accounts with dates

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