vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 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: MI

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-09-17 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:
In XX/XX/XXXX, I opened an auto loan with XXXX XXXX XXXX XXXX. Experian is reporting this account inaccurately and inconsistently. 

The account is listed as charged off with the full balance written off, but it is also reported as currently past due in full ( {$35000.00} ). Once an account is charged off, it can not simultaneously be reported as still fully past due. This is contradictory, misleading, and not consistent with XXXX XXXX reporting standards. 

In addition, Experian previously reported balance history that stated Paid on XX/XX/XXXX, but the account still shows the entire balance owed. This creates further inconsistency and confusion. 

I disputed this account with Experian in XX/XX/XXXX. Experian responded that the account was verified, but the contradictory reporting was not corrected. I then submitted a Method of Verification ( MOV ) request under FCRA 611 ( a ) ( 7 ), asking Experian to provide the name and contact information of the furnisher they verified with, the method used, and any documentation relied upon. Experian did not provide this information. 

Because of these issues, the tradeline is inaccurate and misleading, and Experian has not corrected it after my dispute. I am requesting that this account be corrected or deleted to comply with the FCRAs requirement for maximum possible accuracy.

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 2025-09-17 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: OH

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I would like Capital One Auto loan to update the correct balance owed on all of my credit reports. The balance Capital One is reporting is a lot more then I owe. 

To Whom It May Concern, I am writing to dispute the balance currently being reported on the above-referenced account. The amount listed is inaccurate and does not reflect the true balance. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and, where applicable, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, I have the right to dispute and request verification of information that is incomplete, inaccurate, or unverifiable.

Accordingly, I request that you : 1. Investigate and verify the reported balance, including a full payment history and documentation of how the balance was calculated.

2. Correct or remove the inaccurate information from my credit report if the balance can not be verified with supporting documentation.

3. Provide me with written confirmation of the results of your investigation and any updates made. 
If you are unable to validate the accuracy of the balance, you must immediately delete or correct the reporting as required by federal law. 
This letter serves as my formal notice of dispute. Please complete your investigation and respond within the required timeframe. 
Sincerely, [ Your Signature ] XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: UT

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Personal As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: IN

Complaint narrative:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

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 2025-09-17 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: PA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-09-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing the fraudulent accounts that have been wrongly reported under my name. These accounts were never authorized, created, or associated with me in any capacity. Their inclusion is inaccurate, misleading, and harmful to the integrity of 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 2025-09-17 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I also sent a letter that served as a formal, esculated dispute under the Fair Credit Reporting Act ( FCRA ) ,15 USC 1681i ( a ) ( 1 ) ( A ) and a demand for full disclosure of the method of verification pursuant to FCRA 1681i ( 6 ) ( B ) ( iii ) .Credit reported stated the original company was XXXX XXXX XXXXXXXX clear evidence that the account was sold to ComenityCBXXXX XXXX  on XXXX XXXX, and that XXXX  XXXX XXXX no longer owns or services this account, XXXX  continues to report the account as a Potentially Negative with a balance of XXXX and closed. There is also a collections XXXX XXXX XXXX that has purchased the account and has a different amount : XXXX XXXX.Under FCRA 1681i ( a ) ( 1 ) ( A ) you are required to conduct a reasonable reinvestigation of any disputed information. This is causing me XXXX and hardship to apply for a place to live and finding a job within my degree.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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:
Equifax is deliberately reporting me on my credit file and sending me correspondence yet saying that they can not they are unable to locate a credit file on me then why am I in their database why are they reporting stuff in my name this is the direct violation and against the law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Oliphant United, Inc.
State: OR

Complaint narrative:
This debt is not mine. It is incorrectly reported by Oliphant USA LLC to all three credit bureaus. I have sent a formal written request for debt validation, but the company has failed to provide any documentation proving the loan is mine. I am now filing this complaint because the company is in violation of the FDCPA by reporting a debt without validation.

Action Requested : I ask that the CFPB instruct the company to immediately cease all collection activities and remove this account from my credit reports with XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I maintain that the inaccurate late payment remarks on my accounts represent a violation of 15 USC 1666. I have consistently made timely payments, and any discrepancies in this reporting are both unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Re : Complaint Against Capital One Auto Finance XXXX XXXX ( XXXX XXXX XXXX ) Dear CFPB, I am a XXXX XXXX XXXXXXXX veteran, receiving VA XXXX compensation that is federally protected under 38 U.S.C. 5301. I file this complaint against Capital One Auto Finance for misconduct in servicing my auto loan for a XXXX XXXX XXXX ( Account # XXXX ). 

Background My payment of {$550.00} is due XX/XX/XXXX. 
Loan history shows repeated late fee assessments ( {$25.00} each ) despite consistent payments, extensions, and restructuring. 
The loan is projected to leave a {$410.00} unpaid balance at maturity ( XX/XX/XXXXXXXX  ), which reflects poor servicing and compounding fees. 
Given the fraudulent identifiers contaminating my credit file, I anticipate imminent derogatory reporting, which will further damage my financial stability. 

Violations 1. FCRA ( 15 U.S.C. 1681s-2 ) Furnishing inaccurate delinquency information, failure to reinvestigate fraud.

2. RESPA Mishandling of loan servicing and improper assessment of fees. 
3. ECOA / ADA Discriminatory loan servicing practices against a XXXX veteran. 
4. UDAAP ( Dodd-Frank ) Unfair and abusive reliance on fraudulent identifiers in loan servicing.

Harms False delinquency reports suppressing my credit profile.

Risk of repossession or loss of transportation. 
Compounding financial harm : o $ XXXX in lost home equity. 
o $ XXXX rent burden. 
o $ XXXX baseline damages, potentially trebled under RICO. 

Requested Action 1. Investigate Capital One Auto Finances servicing and reporting practices.

2. Order Capital One to cease derogatory reporting until fraud is resolved.

3. Require removal of improper fees and correction of loan servicing errors. 
4. Audit Capital Ones treatment of XXXX veterans under XXXX XXXX 

Attachments ( Exhibits ) 1. Auto loan account summary ( Account # XXXX ). 
2. VA award letter ( XXXX XXXX XXXXXXXX benefits ). 
3. XXXX ( non-retired status ). 
4. U.S. Senators confirmation of misclassification. 
5. XXXX  disclosures showing systemic suppression. 

Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I applying for credit and Experian is reporting an old addresses as my current address so I'm unable to complete my credit application.

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 2025-09-17 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: MI

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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: PA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-09-17 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am filing this comp

laint against National Credit Systems ( NCS ) regarding a collection account they are reporting on my credit file. The account is inaccurate, unvalidated, and has been the subject of repeated disputes over many years. Background The account is for an alleged broken apartment lease. I resided at the property for approximately five months. When I appeared in court with the funds to resolve the matter, the judge instructed me to return to the property and make payment. Upon returning, the property management refused my payment. Despite this, NCS later began report
ing a balance. 

Failure to Provide Debt Validation Since XX/XX/year>, I have requested debt validation directly from NCS. I have never received any itemized statement, lease agreement, judgment order, or accounting from NCS via mail or phone. Instead, when I dispute the account with the credit bureaus, I receive the same generic response that NCS has validated this account with our company. This is not proper validation under the FDCPA, which requires collectors to provide verification to the consumer upon request. 

Dispute History I have disputed this account over 15 times with the credit bureaus across multiple years. Despite my repeated requests, the account continues to be reported with no supporting documentation provided to me. This is a direct violation of both the FDCPA ( 15 U.S.C. 1692g ) and the FCRA ( 15 U.S.C. 1681s-2 ).

Inaccurate Balance Reporting NCS is currently reporting a balance of {$15000.00}, which is wildly inflated and does not reflect the original lease terms. Additionally, under state landlord-tenant law, landlords are required to mitigate damages by making reasonable attempts to re-rent the unit. The property charged me for the full remainder of the lease without making such efforts, which further invalidates the amount they are attempting to collect. 

Violations FDCPA, 15 U.S.C. 1692g Failure to provide debt validation within 30 days of request.

FCRA, 15 U.S.C. 1681s-2 Furnishing information to credit bureaus that is inaccurate and unverifiable.

State landlord-tenant law Failure to mitigate damages when a lease was broken

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: DE

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : 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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with explanation