vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing this complaint regarding an unauthorized credit inquiry on my credit report by Capital One. I did not apply for credit with Capital One, nor did I provide written or verbal permission for them to access my credit report. 

On XX/XX/year>, a hard inquiry appeared on my credit report from Capital One. The inquiry was initiated after I visited XXXX XXXX XXXX to explore vehicle purchase options. I completed a credit application with the dealership authorizing them to run my credit only for the dealership, XXXX XXXX and XXXX. I did not give permission to transmit my information to Capital One or multiple third-party lenders. 

My credit application does not state that the dealership is authorized to share or submit my information to Capital One. Under the Fair Credit Reporting Act ( FCRA ) 604 ( a ), a lender must have a permissible purpose and direct authorization from the consumer before accessing their credit report. Capital One did not have that authorization. The application contains no such disclosure. XXXX XXXX financed the deal so there was no permissible reason for them to submit my information to Capital One. I have attached a copy of the original application as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: CT

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The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Control, LLC
State: PA

Complaint narrative:
I am submitting this complaint regarding a collection account reported under # XXXX by Credit Control LLC. After reviewing my full credit reports from all three major bureaus, I have identified significant inaccuracies and compliance issues with how this debt is being furnished. 

XXXX. The alleged collection is being reported ONLY to XXXX, and not to XXXX  or XXXX. 
This inconsistent furnishing violates FCRA 623 ( a ) ( 1 ) ( A ) and FCRA 607 ( b ), which require furnishers to report accurate, complete, and consistent information across all consumer reporting agencies. 

XXXX. I have not received proper written validation of the debt as required under FDCPA 809 ( b ). 
Although I contacted the company by phone seeking to understand the balance, I have not been provided with the legally required written validation showing proof of the debt, itemization, or documentation establishing responsibility. 

XXXX. The furnisher continues reporting to XXXX  despite insufficient validation. 
Continuing to report disputed or unverified information violates FCRA 611, which requires a reasonable investigation and prohibits furnishing information that can not be verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2025-12-05 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: TX

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
INACCURATE ACCOUNTS. THIS ACCOUNT DOES NOT BELONGS TO 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 non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
Fifth Third Bank closed my bank accounts about two months ago and has withheld {$12000.00} of my money for more than a month and a half, despite admitting the issue was caused by their own error of sending it to the wrong location. 

In or around XX/XX/year>, Fifth Third Bank closed one of my accounts, citing a reason in writing. Shortly afterward, the bank proceeded to close all of my remaining accounts without any valid explanation other than saying they decided to. When the accounts were closed, the bank was supposed to return my balances. Instead, they sent my funds totaling {$12000.00} to the wrong address. After I contacted the bank, representatives acknowledged over the phone that the money was sent to the wrong address due to an internal error. Despite multiple follow-ups and promises to correct the issue, more than 6 weeks have passed and I have not received my money back.The bank has provided inconsistent information, has not issued a replacement check or transfer, and has failed to meet its legal obligation to return my funds in a timely manner. I have documented my communications, including names, dates, phone calls, and bank statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX  has volated my rights. XXXX5 U.S.C 1681 section 602 A. States 1 have the right to privacy 15 US.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not famish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: TN

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 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: VA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 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: PA

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 explanation
Consumer complaint received 2025-12-05 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: PA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 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: FL

Complaint narrative:
I submitted a written dispute to the credit bureau regarding the XXXX collection account. The bureau responded that the account was verified, but they did not provide the Method of Verification as required under FCRA 611 ( a ) ( 6 ) ( B ). 

I am requesting CFPB assistance to obtain the specific details of their investigation, including : The name and contact information of the person or department the bureau contacted at XXXX The exact records reviewed to confirm the accuracy The date, method, and scope of the reinvestigation Whether an independent investigation was conducted or if the bureau simply relied on an automated e-OSCAR response Without this information, the bureau has not met its legal obligation to provide a proper Method of Verification. I am requesting that the CFPB compel the credit bureau to provide the required MOV details or delete the XXXX account for failure to properly verify under FCRA 611 .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 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: SC

Complaint narrative:
I am sending this complaint to bring to your attention several accounts on my credit file that, upon careful review, do not appear to fully reflect the way I have responsibly managed my financial obligations. Over time, I have made every effort to honor my agreements with creditors, and while minor timing discrepancies XXXX have occurred, each account has ultimately been paid in accordance with the agreed terms. I am therefore requesting a reinvestigation and correction of these accounts to accurately show them as paid as agreed. 
XXXX XXXX * * * * Balance : {$280.00} late 30 days XX/XX/year> XXXX FCU XXXX * * Balance : {$150.00} late 30 days XXXX XXXX XXXX XXXX XXXXXXXX * * * * Balance : {$0.00} late 60 days XXXX  XXXX * * * * Balance : {$0.00} late 60 days XXXX XXXX * * * * * * Balance : {$0.00} late 30 days XXXX XXXX XXXX XXXX * * * * Balance : {$0.00} XXXX XXXX * * * * Balance : {$0.00} XXXX XXXX XXXX * * * * Balance : {$0.00} XXXX XXXX XXXX XXXX * * * * Balance : {$0.00} Date XXXX up As XXXX highlighted in FCRA 602, the purpose of the Fair Credit Reporting Act is to promote fairness, impartiality, and the accuracy of consumer information. With that principle in mind, I am asking Experian to apply the same standard of fairness by ensuring my credit file accurately reflects my actual payment history. I am aware that under FCRA 611 ( 15 U.S.C. 618i ), I have the right to dispute inaccurate or incomplete information, and that Experian is required to conduct a reasonable investigation of disputed items. Likewise, FCRA 623 ( a ) ( 2 ) and 623 ( b ) place the responsibility on furnishers to correct inaccurate information and investigate the facts once notified, reinforcing my right to request these corrections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 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:
I am sending this complaint to bring to your attention several accounts on my credit file that, upon careful review, do not appear to fully reflect the way I have responsibly managed my financial obligations. Over time, I have made every effort to honor my agreements with creditors, and while minor timing discrepancies XXXX have occurred, each account has ultimately been paid in accordance with the agreed terms. I am therefore requesting a reinvestigation and correction of these accounts to accurately show them as paid as agreed. 
XXXX XXXX * * * * Balance : {$280.00} late 30 days XX/XX/year> XXXX FCU XXXX * * Balance : {$150.00} late 30 days XXXX XXXX XXXX XXXX XXXXXXXX * * * * Balance : {$0.00} late 60 days XXXX  XXXX * * * * Balance : {$0.00} late 60 days XXXX XXXX * * * * * * Balance : {$0.00} late 30 days XXXX XXXX XXXX XXXX * * * * Balance : {$0.00} XXXX XXXX * * * * Balance : {$0.00} XXXX XXXX XXXX * * * * Balance : {$0.00} XXXX XXXX XXXX XXXX * * * * Balance : {$0.00} Date XXXX up As XXXX highlighted in FCRA 602, the purpose of the Fair Credit Reporting Act is to promote fairness, impartiality, and the accuracy of consumer information. With that principle in mind, I am asking Experian to apply the same standard of fairness by ensuring my credit file accurately reflects my actual payment history. I am aware that under FCRA 611 ( 15 U.S.C. 618i ), I have the right to dispute inaccurate or incomplete information, and that Experian is required to conduct a reasonable investigation of disputed items. Likewise, FCRA 623 ( a ) ( 2 ) and 623 ( b ) place the responsibility on furnishers to correct inaccurate information and investigate the facts once notified, reinforcing my right to request these corrections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 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: SC

Complaint narrative:
I am sending a complaint regarding multiple inaccurate, unauthorized, and unverifiable items appearing on my Equifax credit file, which Equifax has failed to correct despite my dispute under the FCRA and FDCPA. My report contains personal information that is not mine, including the address XXXX XXXX XXXX, XXXX XXXX, SC XXXX, which I have never lived at or been associated with, in violation of FCRA 607 ( b ). My file also shows a fraudulent or unverified collection account from XXXX for {$1600.00} that I do not recognize, was never billed for, and believe is the result of identity theft or a mixed file. Additionally, several accounts including XXXX XXXX, XXXX XXXX, and XXXX are reporting inaccurate, inconsistent, or unverifiable charge-off information. Under FCRA 605B, 609 ( a ), 611, and 623 ( a ) ( 1 ) ( A ), as well as FDCPA requirements, I requested that Equifax conduct a reasonable reinvestigation, remove inaccurate and unverifiable data, block any identity-theft-related information, and provide documentation used to verify these items. Equifax has not provided proper validation or corrected the reporting. These inaccuracies are significantly harming my credit and financial stability, especially given my exposure to multiple national data breaches. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$2400.00} XXXX XXXX XXXX, XX/XX/year> Applicable Federal Statutes FCRA 605B ( 15 U.S.C. 1681c-1 ) Right to block identity theft and unauthorized information FCRA 607 ( b ) Duty to ensure maximum possible accuracy FCRA 609 ( a ) Right to receive verification documentation FCRA 611 Right to dispute and receive a reasonable reinvestigation FCRA 623 ( a ) ( 1 ) ( A ) Furnishers may not report inaccurate information FDCPA 807809 Prohibits false, deceptive, or unverifiable collection activity

Company response to consumer: Closed with non-monetary relief