vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Hello, my name is XXXX XXXX and Im messaging in regarding my consumer file. 

I have reason to believe that my personal information was compromised due to the Experian and TransUnion data breaches of XXXX. This raises serious concerns under the Fair Credit Reporting Act ( FCRA ), including Section 605 ( b ), as it indicates a failure to maintain reasonable procedures to ensure maximum possible accuracy and confidentiality of consumer data.

Pursuant to my rights under FCRA 602, 605 ( b ), 607, 611, and the Gramm-Leach-Bliley Act, I am formally requesting the immediate deletion of any accounts, inquiries, or records that can not be fully and independently verified at the furnisher level.

Please be advised that failure to comply with this request will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General.

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 2025-10-01 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:
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.

I did not consent, nor authorize, nor did i benefit from the following accounts. They are fraud and remove them immediately!

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 2025-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
I am submitting this follow-up complaint regarding Credit Acceptance 's reporting of a repossessed auto loan account on my credit report. While Credit Acceptance responded to a previous CFPB complaint claiming that their reporting was accurate, the information currently appearing on my credit report is not only inconsistent with their statement, but also factually inaccurate.

First, the payment history reported by XXXX  shows duplicate delinquencies that defy the standard aging of late payments : Two consecutive months are marked as 30 days late ( XXXX and XX/XX/XXXX ) Two consecutive months marked as 90 days late ( XXXX and XX/XX/XXXX ) Two months marked 120 days late ( XXXX and XX/XX/XXXX ) These inaccuracies violate credit reporting guidelines, as a delinquency must age cumulatively, not restart or repeat. This misreporting artificially inflates the appearance of prolonged delinquency and distorts the true timeline of events. 
Second, the account status is currently reported as : Repossession. {$12000.00} past due as of XX/XX/XXXX. 
This is factually false. The repossession occurred in XXXX, as confirmed in Credit Acceptances own response letter. There have been no payments, activity, or new charges since that time. Therefore, reporting a new past due amount and active repossession status in XXXX misrepresents the age, nature, and status of the debt. 
If the delinquency were reported accurately, it would reflect : A repossession date in XXXX A charge-off or closed account, not ongoing delinquencies in XXXX Finally, Credit Acceptance stated in their CFPB response that they would close my account, but that is not enough.

This complaint is my final attempt to resolve the matter administratively. If this inaccurate and misleading tradeline is not corrected or removed immediately, I will proceed with litigation to enforce my rights under the Fair Credit Reporting Act ( FCRA ).

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 2025-10-01 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: CA

Complaint narrative:
My Capital One Quicksilver account ending in XXXX has been closed by the creditor, but the account continues to report multiple late payments on my credit reports. The payment history reflects a series of 30-, 60-, 90-, and 120-day late notations across XXXX. While I acknowledge these delinquencies occurred, they were during a period of financial hardship. Since then, my financial circumstances have improved, and I have been working to rebuild my credit. 

I am submitting this complaint to request leniency in how these late payments are reported. I respectfully ask that Capital One consider a goodwill adjustment by removing the derogatory late-payment history on this closed account. As part of this request, I am willing and able to pay the remaining balance in full if Capital One agrees to remove the negative reporting from my credit file. 

This is my first written request on this matter. I am not disputing the accuracy of my past financial hardship but seeking a fair resolution that reflects my current commitment to financial responsibility. I believe this goodwill adjustment would be consistent with the spirit of accurate and fair credit reporting, as continued negative reporting on a closed account does not reflect my present ability and willingness to resolve the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
Inaccurate score codes listed with no inquiries or accounts to verify them to within my disclosure report. 

Fraudulent soft inquiries I did not authorize reporting Outdated address

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 2025-10-01 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
In XX/XX/XXXX, I financed a medical procedure using XXXX XXXX, which is serviced by Comenity Capital Bank. I have consistently made on-time monthly payments since opening the account. 

In XX/XX/XXXX, I was unexpectedly charged approximately {$3000.00} in interest, despite my understanding of the financing arrangement and my good payment history. I contacted the company to clarify the charges and submitted a written request on [ date ] asking for the removal or reduction of this interest, explaining the miscommunication and highlighting my consistent payment history. 

The company responded without providing a resolution. The charge remains on my account, and no adjustment or courtesy reduction has been made. 

I am seeking a fair resolution, either through removal or reduction of the {$3000.00} interest charge, given the circumstances and my history of timely payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

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 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 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: MN

Complaint narrative:
I deposit my workplace check monthly, and every month they place my funds on hold for days. Today, I deposited my check, always from the same workplace, and they are placing {$1000.00} of it on hold for 7 days. They gave no reason why when I called, saying it was " confidential '' and they are within their right to do so. It is unreasonable to hold my funds every month, and there was no reason provided for holding my funds for over 7 days. This creates undue hardship on the consumer. Also, when I asked to speak to the verification department of holding funds at US BANK, they said there is no department. So I had no one to help rectify this situation, where the bank is holding onto my funds.

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 2025-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
Earlier in the day ( XX/XX/XXXX ), I received money from my uncle ( on XXXX )- which I transferred to Chime ( I moved majority of my money to my savings ). On Chime, on the same day, about 2 hours after, my account was fully drawn to 0 ( checking/savings/credit ). I had only received emails regarding the money that was sent out, which were fraudulent. I had sent that in to them- and even reset and secured my account. I saved my money specifically for rent- I only work XXXX hours hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: WI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
An account on my XXXX  credit report I have no clue who this debt collection is, I have filled a police report in XXXX  with fraudulent use of ID & SSC, I do not know where this debt come from

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: NY

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

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 2025-10-01 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: LA

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 non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: SC

Complaint narrative:
There is a charge on my credit report with Affirm INC looks like it was opened in XX/XX/year>. Amount was {$1100.00} I have not purchased anything of that high of value. Now it's showing a charge off that's affecting my credit. I need this removed if all possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Re : Formal Dispute Inaccurate Reporting Account : XXXXXXXX XXXX XXXX XXXX To Whom It May Concern, This is a formal dispute regarding the continued reporting of the above account. Your recent investigation results dated XX/XX/XXXX reflect this account as Transferred/Charged-off with ongoing derogatory updates after XX/XX/XXXX. 
However, I have attached a letter from XXXX XXXX  XXXX XXXX XX/XX/XXXX, in which the furnisher clearly confirms : The account was sold to Nationwide Capital XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXX rights and title to the account. 
XXXX is no longer involved in any collection or credit reporting activities related to [ this ] debt. 
Despite this, TransUnion continues to update CBWs tradeline with derogatory payment history even after the account was transferred and sold. This is inaccurate and misleading under 15 U.S.C. 1681e ( b ) ( requirement of maximum possible accuracy ). 
Once an account is sold, the original creditor must report {$0.00} balance, transferred, closed and can not continue posting derogatory notations. The continued reporting by TransUnion contradicts CBWs own written statement and constitutes furnishing and publishing of inaccurate information. 
I am demanding the following : Immediate deletion of this tradeline from my TransUnion credit report. 
At minimum, correction to reflect the true status : transferred/sold with no ongoing derogatory updates after XX/XX/XXXX. 
If TransUnion fails to correct or delete this inaccurate reporting within the statutory timeframe, I will escalate this matter to the Consumer Financial Protection Bureau, the Federal Trade Commission, and my State Attorney General for enforcement action. 
Please conduct a full reinvestigation, do not sent me any stall letters and provide me with an correct credit report once completed. 

Sincerely, XXXX XXXX Enclosure : XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: NJ

Complaint narrative:
i have previously filed a complaint against XXXX XXXX XXXX ( XXXX ) for unilaterally shutting down my credit card. the matter is considered resolved by your bureau but i have still not received a legitimate reason as to why other than the company declaring they have the right to take this action under the credit documents. be that as it may, i accepted the card on the representation that it paid 2 % back on purchases. as of the most recent statement, along with shutting down the card, XXXX removed XXXX points that were on the account. this they did not have the right to do.

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 2025-10-01 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: GA

Complaint narrative:
I am submitting this complaint against the three major credit bureausXXXX Equifax, and XXXX ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with XXXX XXXX Format and XXXX industry standards. 

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ). 

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court. 

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information XXXX XXXX and CDIA Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

XXXX XXXX XXXX XXXXXXXX XXXX : {$170.00} Open Date XX/XX/XXXX XXXX XXXX CRE Balance : {$14000.00} Open Date XX/XX/XXXX XXXX XXXX Balance : {$2900.00} Open Date XXXX XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX - G XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require Experian, Equifax, and TransUnion to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on XXXX  as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

Company response to consumer: Closed with non-monetary relief