vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 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: TX

Complaint narrative:
Regarding XXXX XXXX Retaliatory and Inaccurate Credit Reporting by XXXX XXXX XXXX : Retaliatory and Inaccurate Credit Reporting by XXXX XXXX It is the credit reporting agency job, by law, to verify the information on a credit report and not any one else In XX/XX/XXXX, I lawfully disputed inaccurate information on my credit reports concerning a XXXX XXXX ( XXXX ) auto loan account opened in XXXX and settled in XX/XX/XXXX. Shortly after my dispute, XXXX XXXX altered the reporting across all three credit bureaus in a way that made the account appear more negative and factually incorrect, without any new information to justify the changes. 
Before my dispute, all credit reports consistently showed the account as settled, paid, and closed with a {$0.00} balance. After my dispute in XX/XX/XXXX, XXXX XXXX updated the account to reflect a {$11000.00} written off balance, changed payment history data, altered closure dates inconsistently across bureaus, and even changed the date major delinquency first reported from XX/XX/XXXX to XX/XX/XXXX. These actions immediately followed my lawful dispute and appear retaliatory. 
In reality, XXXX XXXX repossessed the vehicle in XXXX, sold it at auction for more than the balance owed, paid the account in full, and issued me a refund check for the surplus funds. There was no charge-off or debt forgiveness, and XXXX XXXX never filed a required IRS Form XXXX by XX/XX/XXXX, as would be required for any true write-off. 
These post-dispute actions constitute willful violations of : - FCRA 623 ( a ) ( 1 ) furnishing inaccurate information ; - FCRA 623 ( a ) ( 3 ) retaliation for filing a dispute ; - FCRA 607 ( b ) failure to maintain accuracy ; and - FCRA 611 ( a ) failure to conduct a reasonable reinvestigation.

Harm : My credit scores dropped significantly, and lenders now view the account as newly negative six years after settlement. 

I have filed a complaint with the Texas Attorney Generals office and am seeking legal counsel Requested Relief : - Require XXXX XXXX to correct or remove the inaccurate data ; - Ensure all three credit bureaus reflect the account as settled and paid in full as of XX/XX/XXXX ; - Review XXXXXXXX XXXX conduct for potential systemic FCRA violations. 
Attachments : - XX/XX/XXXX and XX/XX/XXXX credit reports ( Experian, Equifax, TransUnion ) Sincerely, XXXX XXXX Date : XX/XX/XXXX _____________________________

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: TX

Complaint narrative:
Regarding XXXX XXXX Retaliatory and Inaccurate Credit Reporting by XXXX XXXX XXXX : Retaliatory and Inaccurate Credit Reporting by XXXX XXXX It is the credit reporting agency job, by law, to verify the information on a credit report and not any one else In XX/XX/XXXX, I lawfully disputed inaccurate information on my credit reports concerning a XXXX XXXX ( XXXX ) auto loan account opened in XXXX and settled in XX/XX/XXXX. Shortly after my dispute, XXXX XXXX altered the reporting across all three credit bureaus in a way that made the account appear more negative and factually incorrect, without any new information to justify the changes. 
Before my dispute, all credit reports consistently showed the account as settled, paid, and closed with a {$0.00} balance. After my dispute in XX/XX/XXXX, XXXX XXXX updated the account to reflect a {$11000.00} written off balance, changed payment history data, altered closure dates inconsistently across bureaus, and even changed the date major delinquency first reported from XX/XX/XXXX to XX/XX/XXXX. These actions immediately followed my lawful dispute and appear retaliatory. 
In reality, XXXX XXXX repossessed the vehicle in XXXX, sold it at auction for more than the balance owed, paid the account in full, and issued me a refund check for the surplus funds. There was no charge-off or debt forgiveness, and XXXX XXXX never filed a required IRS Form XXXX by XX/XX/XXXX, as would be required for any true write-off. 
These post-dispute actions constitute willful violations of : - FCRA 623 ( a ) ( 1 ) furnishing inaccurate information ; - FCRA 623 ( a ) ( 3 ) retaliation for filing a dispute ; - FCRA 607 ( b ) failure to maintain accuracy ; and - FCRA 611 ( a ) failure to conduct a reasonable reinvestigation.

Harm : My credit scores dropped significantly, and lenders now view the account as newly negative six years after settlement. 

I have filed a complaint with the Texas Attorney Generals office and am seeking legal counsel Requested Relief : - Require XXXX XXXX to correct or remove the inaccurate data ; - Ensure all three credit bureaus reflect the account as settled and paid in full as of XX/XX/XXXX ; - Review XXXXXXXX XXXX conduct for potential systemic FCRA violations. 
Attachments : - XX/XX/XXXX and XX/XX/XXXX credit reports ( Experian, Equifax, TransUnion ) Sincerely, XXXX XXXX Date : XX/XX/XXXX _____________________________

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: MS

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account name : 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 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: FL

Complaint narrative:
This is a follow-up complaint regarding TransUnion 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. TransUnion has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ). 
Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data. 
Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects TransUnion to potential regulatory and civil liability.

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

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 2025-10-14 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: MS

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: FL

Complaint narrative:
The account has been fully satisfied, but late payments remain reported.

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 2025-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am exercising my rights under the FCRA. This account was deleted and then reinserted without written notice within 5 days, which is a violation of the law. I need it to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-10-14 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
CAPITAL ONE ULTIMATE FURNISHER DISPUTE ( Charge-Off ) Date : XX/XX/year> Capital One Attn : Credit Bureau Dispute / Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX RE : IMMEDIATE DEMAND FOR DELETION FORMAL DIRECT DISPUTE UNDER FCRA 623 ( a ) ( 8 ) & 12 C.F.R. 1022.43 ACCOUNT : Capital One Credit Card ( Closed/Charge-Off ) Acct # [ Last XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX | XXXX XXXX XXXX, XXXX XXXX TX XXXX NOTICE OF LEGAL LIABILITY & LITIGATION HOLD This letter imposes a Litigation Hold on all records ( paper, electronic, internal notes, furnishing files ) related to this account and your investigation. Failure to comply with this notice is spoliation of evidence and may be deemed willful noncompliance with the FCRA.

FURNISHING DEFECTS & FCRA VIOLATIONS Past-Due Misuse ( XXXX XXXX XXXX ) : You are reporting Past Due XXXX {$0.00} on a closed/charged-off account, violating the XXXX XXXX requirement for Field 26 ( Past Due ) to be {$0.00} after charge-off.

Accuracy Failure ( 607 ( b ) ) : Balances and key dates XXXX XXXX  ) conflict across CRAs ( XXXX XXXX XXXX XXXX XXXX {$89.00} ), violating the duty of maximum possible accuracy. 
Missing DOFD ( 623 ( a ) ( 5 ) ) : You have failed to furnish or demonstrate the Date of First Delinquency ( DOFD ) ( XXXXXXXX XXXX XXXX XXXXXXXX ), impairing statutory obsolescence validation. 
ULTIMATE DEMAND : DELETE IF UNVERIFIABLE Pursuant to FCRA 623 ( a ) ( 8 ), you must conduct a meaningful investigation ( XXXX ) and respond within 30 days. The only acceptable verification is based on original-source records. 
MANDATORY DELETION : If you can not produce the original, complete account-level ledger ( from opening through charge-off ) and the documented raw Metro XXXX Base-segment data proving the correct Field XXXX ( DOFD ) and Field XXXX = {$0.00} status, you MUST IMMEDIATELY CEASE REPORTING and instruct all CRAs to DELETE this tradeline.

REQUIRED DISCLOSURE : For any information you retain, provide your Method of Investigation, a copy of the specific records reviewed, and the e-XXXX  logs XXXX message IDs, reason codes, timestamps ) for all related disputes/updates.

Failure to delete unverifiable data will prompt immediate action under FCRA 616, 617, seeking Punitive Damages for willful noncompliance. 
Sincerely, XXXX XXXX XXXX Enclosures : ID ; Proof of Address ; XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: EGL US, LLC
State: IL

Complaint narrative:
I was approved for a loan with BMG Money on XX/XX/year>. The funds were originally sent to an expired debit card. XXXX stated they resent the funds to my XXXX XXXX bank account, but as of XX/XX/year>, no deposit has been received or is pending. 

I have contacted BMG Money multiple times, and each time I am told to wait, but no one can confirm the actual date or time the deposit was released or to which account it was sent. XXXX XXXX has confirmed there are no pending deposits from BMG Money or its funding bank as of today XX/XX/XXXX. 

It has now been over a week since approval, and I have not received the funds that were supposedly disbursed. I am requesting : - Confirmation of when and where the funds were sent - Proof that the deposit was successfully issued- Immediate reissue of the funds if there was an error Please have this escalated to a supervisor or funding department manager. I would like a written response confirming the status of my loan funding. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Self Financial Inc.
State: IN

Complaint narrative:
I never had this account, it was taken off my credit and put back on years later

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: TX

Complaint narrative:
This is now my third formal dispute concerning fraudulent information being reported on my credit report due to identity theft. I previously submitted disputes on XX/XX/2025 and XX/XX/2025, including a valid Identity Theft Report, but to date, you have failed to remove the fraudulent accounts listed above. 
To be clear, I did not authorize, open, or use the following accounts, which have severely damaged my credit standing : BANK XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: TN

Complaint narrative:
There is a collection entry on my credit reports from Vance & Huffman. There is an entry for XXXX XXXX in the amount of {$1900.00} - Account XXXX. On XX/XX/year>, I sent a letter to Vance & Huffman requesting validation of this debt. I received a response from them dated XX/XX/year>. Their letter indicating, they received my dispute. Their response " We confirmed the name and address listed on the account and the amount due and owing. Their letter included further instruction requesting me to log in to their portal XXXX XXXX XXXX and follow steps to provide my first and last name, last XXXX digits of my social and click the access now link. Also, listed on the letter from Vance & Huffman is " Current Creditor '' with the name XXXX XXXX XXXX. I am not certain why Vance and Huffman chose to mail me a letter to log in to their portal with my personal information instead of mailing me what I requested. I decided not to follow their steps of logging in to a portal to provide them with my personal information because I don't know Vance & Huffman or XXXX XXXX XXXX. 

According to information on my XXXX report, my name, social security, telephone number and every address I have ever lived is on the Dark Web. So, logging into a portal to provide personal information is not an option for me. 

My letter to Vance & Huffman is attached as well as their response to me. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief