vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This morning, I was shocked to see an unauthorized inquiry appear on my credit report out of nowhere. I check it regularly, and this has never happened before. I even refreshed the page thinking it might be a technical glitch, but unfortunately, it stayed. This is incredibly frustrating, and I need the documents Ive submitted to be reviewed thoroughly so I can stop stressing over this.

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 2025-07-25 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: NJ

Complaint narrative:
I am submitting this complaint due to multiple inaccurate and unverifiable accounts being reported by XXXX, which are harming my credit profile and violating the Fair Credit Reporting Act ( FCRA ). 
I submitted a formal written dispute ( Confirmation # XXXX ) to XXXX, Experian, XXXX, regarding the following accounts : 1. XXXX XXXX XXXX XXXX Account ending in XXXX 2. XXXX XXXX Account ending in XXXX 3. XXXX XXXX XXXX XXXX  XXXX Account ending in XXXX 4. XXXX XXXX Account ending in XXXX 5. XXXX XXXXt Account ending in XXXX 6. XXXX XXXX XXXX XXXX XXXX  Account ending in XXXX 7. XXXX XXXX XXXXXXXX XXXX These accounts reflect inaccurate balances, unverifiable payment history, and data that was not corrected after my previous dispute.

I have not received full validation, including : Original signed contracts Full payment history Chain of custody XXXX  has not fulfilled its obligations under : 15 U.S.C. 1681i failure to investigate and correct 15 U.S.C. 1681e ( b ) failure to ensure maximum accuracy 15 U.S.C. 1681s-2 ( b ) failure of furnishers to respond with verified 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 explanation
Consumer complaint received 2025-07-25 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: NC

Complaint narrative:
I filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they are assuming my disputes came from a third party, which is not true. I even called to verify my identity, yet they still refused to process my disputes. I spent money mailing my disputes and provided personal information to verify my identity, only for them to dismiss my request without a proper investigation.

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have disputed an auto account reported by Capital One Auto Finance on multiple occasions, yet the tradeline remains inaccurate and inconsistent across credit bureaus. 

Specifically, the account is incorrectly marked with XXXX ( foreclosure ) codes, which are inaccurate and misleading since this was not a mortgage account and no foreclosure ever occurred. The account was paid/settled, but Capital One continues to report XXXX status with no indication of payment on some reports while displaying different statuses on others. 

I have previously filed XXXX disputes directly with Capital One, as well as with the credit bureaus, but these inaccuracies remain unresolved. This reporting violates the Fair Credit Reporting Act ( FCRA ), including : FCRA 623 ( a ) ( 1 ) ( A ) Obligation to report accurate and complete information.

FCRA 623 ( b ) Obligation to properly investigate disputed information and correct errors. 

This misinformation is actively delaying my mortgage application and harming my credit profile. I am requesting that Capital One either fully correct this tradeline ( removing foreclosure codes and accurately reflecting paid/settled status ) or delete the tradeline entirely if accurate reporting can not be ensured. 

I am prepared to provide supporting evidence of these inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

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 XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: CA

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-07-25 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: TX

Complaint narrative:
I am requesting immediate deletion of the disputed item and escalation to an Equifax compliance supervisor. If this matter is not resolved promptly, I will be petitioning the Office of the Inspector General ( OIG ) and seek congressional assistance XXXX CARD SERVICES XXXX, XXXX BANK XXXX, XXXX XXXX CARD SER XXXX, XXXX XXXX BANK XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: CO

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-07-25 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: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I received a notification for XXXX saying that I have a new hard inquiry. I did not authorize this, nor did I give my information to this company. The name that shows on my XXXX report is BRCLYSBANKDE ( BANK ).

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 2025-07-25 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-25 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:
Subject : Dispute and Request for XXXX under 15 U.S.C. 1681i XXXX XXXX XXXX Collection To Whom It XXXX Concern, I am formally disputing inaccurate information that appears on my Transunion credit report under XXXX XXXX XXXX. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires you to reinvestigate any disputed information within 30 days. 

Details of Disputed Account : Creditor : XXXX XXXX XXXX Account Number : Date Reported : This debt is not verified to my satisfaction and XXXX not be accurate. I am requesting the following : XXXX. A full reinvestigation of this account and removal if it can not be verified with original documentation. 
XXXX. A copy of the documentation used to verify the debt, including the original contract bearing my signature, the full chain of assignment, and proof that XXXX XXXX XXXX is legally authorized to collect this debt. 
XXXX. A written statement of the results of your reinvestigation within the time period required by law. 

If Transunion fails to properly investigate and verify this account as required under 15 U.S.C. 1681i, I will escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and XXXX pursue further legal action to protect my rights under federal law. 

Please send all correspondence regarding this dispute to my mailing address above. 

Thank you for your immediate attention to this matter.

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 2025-07-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: eMoneyUSA Holdings, LLC
State: TX

Complaint narrative:
I sent sent the credit buraus letters and ask for debit validation and received a letter that the account was verified. It's XXXX  because for over a years ( XXXX ) it was reporting current every month and I wasn't paying anything. I then ask for validation and they updated the account to a neglect status but has not sent me anything validating the account is mine. I want this account resolved please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: MI

Complaint narrative:
I am filing this complaint to report TransUnions continued failure to respond lawfully and adequately to multiple disputes I submitted regarding inaccurate and potentially unverifiable information on my credit report. Despite previous notices and follow-ups, TransUnion has not taken corrective action nor provided a response that meets the legal standards required under the Fair Credit Reporting Act ( FCRA ). 

Instead of investigating the items in question, TransUnion has returned generic " verified '' statements without providing the legally required method of verification under 15 U.S.C. 1681i ( a ) ( 7 ). This constitutes a violation of both : 1681i ( a ) failure to reinvestigate disputes reasonably, and 1681e ( b ) failure to ensure maximum possible accuracy of reported information. 

Disputed and Unresolved Items : Public Record XXXX XXXX XXXX  Furnisher : XXXX Case Number : XXXX Late Payment ( Closed/Paid ) Furnisher : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inaccurate Personal Information Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Account Furnisher : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite my prior disputes, TransUnion has failed to provide the following : The specific method and process used to verify each disputed account ; The name, title, and contact information of the furnishers involved ; Any documentation that was relied upon in verifying the disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: MI

Complaint narrative:
my accounts were in deferment and was still reporting as 90 days pass due.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have an excessive amount of hard inquiries which I dont recognize. I have called Experian through their various lines XXXX times during operating hours. The automated voice hangs up on me everytime without connecting me

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 2025-07-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I have disputed the same loan with Affirm XXXX  times for the merchant, XXXX XXXX XXXX. I didn't receive any merchandise from the merchant, the merchant cancelled the order and issued a refund. The refund has not posted and Affirm is telling me I'm responsible for the loan payment for merchandise I didn't receive. I have submitted email correspondence between myself and a representative from XXXX XXXX XXXXXXXX and Affirm still wants me pay the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my report. Please delete these fraudulent accounts, because they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my report. Please delete these fraudulent accounts, because they are hurting my ability to obtain credit.

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. ''

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 2025-07-25 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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