vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 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 am writing to formally dispute the accuracy of the following items listed on my credit reports with the XXXX major credit bureaus : Equifax, XXXX XXXX XXXX. Below are the details of the disputed items : CHARGED OFF XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$520.00} XXXX XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$750.00} INQUIRIES XXXX  Account Date : XX/XX/XXXXXXXX XXXX Account Date : XX/XX/XXXX XXXX  Account Date : XX/XX/XXXX LATE PAYMENT XXXX  XXXX Account Number : XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the XXXX  XXXX breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$0.00} Account name XXXX XXXX Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$0.00} Account name XXXX XXXX  Account number XXXX Account type Line of Credit Date opened XX/XX/XXXX Balance {$0.00} Account name XXXX XXXX  Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$0.00} XXXX Account number XXXX Account type Loan Date opened XX/XX/XXXX Balance {$0.00}

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 2025-12-04 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: CA

Complaint narrative:
I am disputing the following charged-off accounts on my Equifax credit report : No charged-off accounts are being disputed on my Equifax report. 

Inquiries : I am disputing the following inquiries on my Equifax credit report : 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 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 am disputing the following late payment on my Equifax credit report : XXXXXXXX XXXX XXXX XXXX XXXX Account No. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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 am submitting this complaint because certain items on my credit reports appear inaccurate, incomplete, or unverifiable. I request that the CFPB ensure each credit bureau conducts a proper investigation under the FCRA and removes or corrects any items that can not be fully verified. 
Charged-Off Accounts I dispute the following account as inaccurate or unverifiable : XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX Balance : {$230.00} I request that TransUnion verify this account with the original creditor. If verification can not be provided, the account should be corrected or deleted. 

Hard Inquiries I dispute the following inquiries as unauthorized or inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I request verification of permissible purpose for each inquiry and deletion of any inquiry that can not be verified.

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 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX, multiple fraudulent transactions were attempted on my account from the same merchant ( XXXX, TN ). Several attempts were declined by Bank of America, which proves these were unauthorized and part of a fraud pattern. If I had authorized one of these charges, I would have authorized all of them but I did not authorize ANY of the transactions. The system flagged the others as fraud, yet Bank of America incorrectly concluded that the {$500.00} transaction was approved by me. This is inconsistent and violates Regulation Es requirement for a reasonable investigation.Bank of America denied my initial claim and then denied my appeal, stating that the transaction was authorized by me or someone with permission to use my card. This is incorrect. No one else has permission to use my card or account, and I did not authorize this transaction.

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 monetary relief
Consumer complaint received 2025-12-04 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 affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year>, I went to a dealership to buy a vehicle listed for {$18000.00}. The salesperson told me the out-the-door price would be {$19000.00}, and I paid a {$2500.00} down payment based on that. I was only shown the monthly payment, not the full contract or itemized fees. 
On XX/XX/year>, Capital One contacted me about a loan for {$26000.00}. I told them the amount was wrong and that I did not agree or authorize the loan. Despite this, Capital One confirmed the loan without my consent. 
The dealership told me to return the vehicle on XX/XX/year> because the financing was incorrect. When I went, the salesperson was no longer there, and the dealership refused to fix the problem. 
I believe the dealership misrepresented the price and submitted fraudulent loan information. Capital One approved a loan without my authorization. I am requesting help to cancel the loan, return the vehicle, and get back my {$2500.00} down payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under XXXX XXXX XXXX XXXX ( b ) Accuracy of XXXX. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under XXXX XXXX XXXX XXXX ( XXXX ) XXXX of XXXX or XXXX XXXX, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt XXXX. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-12-04 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: WA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute several inaccurate accounts reported on my credit report. The following accounts are in dispute : Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$4100.00} Late Payments : XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: NY

Complaint narrative:
I am disputing the accuracy of the above accounts listed on my TransUnion credit report. The reporting appears inconsistent and incomplete. Some accounts show {$0.00} balance yet are reported as charged off, which is contradictory. I request a full reinvestigation under FCRA 611 and verification with each furnisher. 

If TransUnion or the furnishers can not provide complete documentation verifying the accuracy of these accounts, I request immediate removal from my TransUnion file and a written explanation of the results of the reinvestigation. 

Accounts in dispute : Creditor : XXXX Account Number ( partial ) : XXXX Date Opened/Charged Off : XX/XX/XXXX Reported Balance : {$0.00} Creditor : XXXX  Account Number ( partial ) : XXXX Date Opened/Charged Off : XX/XX/XXXX Reported Balance : {$0.00} Creditor : XXXX  XXXX Account Number ( partial ) : XXXX Date Opened/Charged Off : XX/XX/XXXX Reported Balance : {$1000.00}

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 2025-12-04 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: GA

Complaint narrative:
I am writing to formally dispute the accuracy of certain accounts on my credit report. I believe that these accounts have been reported inaccurately and request a thorough review and correction. Below, I have listed the accounts in question separated by each bureau : Charged Off Accounts : XXXX XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$130.00} XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$7600.00} XXXX  XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$310.00} 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 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 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 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harvard Collections, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Certified Mail Return Receipt Requested HARVARD COLLECTION SER XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Subject : Formal Request for Debt Validation - Account/Case Number XXXX Dear Sir or Madam, This letter is a formal request for validation of the alleged debt that your company claims I owe, related to the Illinois Department XXXX XXXX XXXX XXXX XXXX ) overpayment. I received notification from your agency regarding this matter on or about XXXX. 
I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, to request that you provide proof of this debt.

Pursuant to the FDCPA, I demand that you provide the following proof and documentation to fully validate this alleged debt : 1. Documentation that clearly demonstrates the original creditor ( XXXX  ) had the legal right to assign or sell this debt to your agency, and that you have the current right to collect it.

2. The original amount of the debt, and a clear, itemized breakdown showing how the current amount claimed was calculated ( including principal, interest, fees, and penalties ).

3. Proof that I am the actual party responsible for this debt, including copies of any original contracts, agreements, or signed documents bearing my signature that created this liability.

4. Documentation showing the last date of activity on this account, to verify that it is within the statute of limitations for legal collection in Illinois.

5. Documentation of the XXXX determination or notice of overpayment that established this debt. 
Until you provide the full validation requested above, you must cease all collection efforts, including, but not limited to, credit reporting and making telephone calls, as required by law. 
If you fail to provide the requested validation within 30 days of the receipt of this letter, you must immediately delete any reporting of this account from all credit reporting agencies ( XXXX XXXX, and XXXX  ) and confirm that deletion in writing to me. 
I expect a complete response and validation within 30 days. 
Thank you for your cooperation in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
I am disputing the accuracy of an account that the creditor/lender is reporting. This account appears only on my XXXX  credit report, and it has been reporting this way for an extended period of time. It does not appear on my XXXX XXXX XXXX reports, which raises concerns about inconsistent or inaccurate reporting. 

FORD MOTOR CREDIT COMP - XXXX I requested that they investigate, verify the accuracy of the information, correct any inaccuracies, and provide written confirmation of their findings. I am filing this complaint because the information remains unverified or inconsistently reported, and I have not received proper resolution from the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/year> I noticed a charge for " XXXX XXXX : which I did not buy. I don't even know what this is. I XXXX  it and it's related to gaming, and I am not a gamer. ( I'm XXXX female. ) I opened a dispute with Goldman Sachs and they re-billed my account for the charge. I re-contacted GS and asked for information that led to their decision that this wasn't fraud and they sent me the letter attached which shows NO INVESTIGATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief