vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: CA

Complaint narrative:
I submitted formal credit report disputes to the credit bureaus Equifax back in XXXX regarding multiple inaccurate and unverifiable items appearing on my credit file. Despite the time that has passed, no meaningful investigation has been conducted, and no updates or responses have been provided. This lack of action is a violation of the Fair Credit Reporting Act ( FCRA ), which requires the bureaus to conduct a reasonable reinvestigation and respond within 30 to 45 days. I am now filing this complaint because my rights as a consumer are being ignored, and my credit reports continue to reflect inaccurate information that is harming me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-07-22 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: VA

Complaint narrative:
Dear CFPB, I am submitting this formal complaint regarding Self Financial / Lead Bank in relation to inaccurate credit reporting, deceptive account practices, and predatory fee accumulation on a secured account I believed was closed in good standing. 

I opened a {$400.00} credit-builder loan with XXXX XXXX in XX/XX/XXXX and completed all required payments. My {$400.00} security deposit was refunded on XX/XX/XXXX. I reasonably believed this marked the accounts closure. 

However, I have now discovered that a separate secured credit card accountlinked to this loanremained open without my knowledge or consent. After the {$400.00} deposit was returned, late fees and interest charges began appearing monthlydespite no purchases or notifications. 

By XX/XX/XXXX, the account showed a balance of {$100.00}, even though no activity occurred. Eventually, the account was charged off at {$160.00} and reported as delinquent for more than a year, significantly damaging my credit and causing financial harm. 

I submitted a dispute through the credit bureaus, which was rejected in XX/XX/XXXX. However, I now provide further documentation clearly showing : My {$400.00} deposit was refunded on XX/XX/XXXX ; Late fees were assessed after that date, without notice or consumer activity ; Experian reports show {$0.00} paid, despite the {$400.00} refund ; Balances increased month to month due to fee stacking, not usage ; Delinquency was reported and updated post-charge-off ( FCRA 605 violation ) ; No reasonable reinvestigation was conducted ( FCRA 611 violation ) ; Reporting contradicts actual transaction history ( FCRA 623 violation ).

This conduct appears to violate both the Fair Credit Reporting Act and protections under the Dodd-Frank Act regarding Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ).

I request the CFPB initiate an investigation into Self Financial and Lead Banks credit reporting and billing practices, and I ask that this account be removed from my credit report or fully validated.

Please see attached screenshots of my Self transaction history and my Experian credit report data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I have submitted a formal federal privacy complaint under the Gramm-Leach-Bliley Act and FCRA. This company is collecting and sharing my personal and financial data without my knowledge, consent, or legal authorization. I have attached a signed letter, my ID, and proof of address. I am demanding full deletion, revocation of authorization, and federal enforcement for violations under GLBA 6802 and 6803

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
XXXX am disputing multiple hard inquiries on my credit report from Capital XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XX/XX/year>. 

I never purchased a car from XXXX XXXX, nor did I visit or do business with them. I purchased a vehicle through XXXX XXXX and had pre-approval through XXXX Bank. I made it very clear that no additional credit checks were authorized. 

Yet I see multiple unauthorized inquiries : Capital XXXX Auto Finance XX/XX/year> Capital XXXX Auto Finance XX/XX/year> Capital XXXX Auto Finance XXXX on XX/XX/year> XXXX XXXX XX/XX/year> These inquiries are harming my credit and were made without my consent or involvement. This is a violation of the Fair Credit Reporting Act ( FCRA ). 

Please investigate and remove these unauthorized hard pulls from my credit report. 

XXXX Type : Incorrect Account Status What Happened : My Comenity Capital Bank account XXXX reporting a XXXX late payment on XX/XX/year>, which is inaccurate. 

I attempted multiple times to enroll in automatic payments, but XXXX 's system never allowed it. As a result, Ive had to call manually each month to make my payments. I made a payment that month, but due to their limited billing options and technical restrictions, it appears to have been misreported. 

My account is in good standing, and Ive remained current since. 

XXXX Requested : Please remove the incorrectly reported late payment and update my payment history to reflect on-time status. This late mark occurred due to XXXX flawed auto-pay system and should not be held against me. 

XXXX. XXXX XXXX Issue Type : Account Status Incorrect / Goodwill Request What Happened : I experienced temporary banking issues which led to XXXX late payments on my Petal card account. These were not due to financial hardship and were immediately resolved. Since then, Ive made all payments on time. 
XXXX Requested : I am requesting a goodwill removal of these XXXX late payments based on my updated track record and quick resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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 am formally disputing several accounts currently listed on my credit report that are outdated and no longer eligible for reporting under the Fair Credit Reporting Act ( FCRA 605 ( b ) ). This section of the law requires the removal of negative information that exceeds the allowable reporting period. 

Please remove the following accounts from my credit file : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX DEPT OF ED / XXXX Account Number : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX These items are now considered obsolete under FCRA guidelines. Therefore, I am requesting that you conduct an immediate investigation and permanently delete these accounts within four ( 4 ) business days, as required upon confirmation of inaccuracy or outdated status. 

Please provide me with written confirmation of the results of your investigation, along with an updated copy of my credit report.

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 2025-07-22 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: SC

Complaint narrative:
These entries were fraudulently opened and do not belong to me. Ive already provided the FTC Identity Theft Report and proper supporting documentation. Under FCRA Section 605B, these accounts must be blocked and deleted. The continued reporting of this fraudulent information is unlawful. Please act immediately to remove these items from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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:
These entries were fraudulently opened and do not belong to me. Ive already provided the FTC Identity Theft Report and proper supporting documentation. Under FCRA Section 605B, these accounts must be blocked and deleted. The continued reporting of this fraudulent information is unlawful. Please act immediately to remove these items from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to demand the * * immediate removal of all blocks, freezes, suppressions, or restrictions * * placed on my TransUnion credit profile. * * I never authorized these actions, * * and their presence violates federal law ( FCRA ) and California consumer protection statutes. 

# # # Key Facts : 1. On or around * * [ Date you discovered the block ] * *, I learned that my credit file is inaccessible due to : - Credit Freeze - Fraud Alert - Credit Lock ( " XXXX  '' or similar ) - Account Suppression - Other Restrictions : [ Specify ] 2. * * I did not request these measures. * * TransUnion has no valid authorization or supporting documentation from me.

3. This blockage has caused me * * significant harm * *, including : - Denied loan/housing applications on * * [ Dates ] * * - Lost financial opportunities - Emotional distress and time burden # # # Legal Violations : - * * Fair Credit Reporting Act ( FCRA ) 605A ( h ) * * : Requires removal of fraud alerts at consumers direction.

- * * FCRA 605B * * : Prohibits maintaining inaccurate blocks.

- * * California CCRAA 1785.11.5 * * : Mandates removal of freezes within 3 business days of consumer request.

- * * CA Consumer Legal Remedies Act ( CLRA ) * * : Unauthorized blocks constitute * deceptive practices *. 

# # # DEMANDS : Per FCRA and California law ( CCRAA 1785.11.5 ), you must : 1. * * Immediately remove all blocks, freezes, locks, and suppressions * * from my credit profile ( SSN : XXXX ). 
2. * * Confirm in writing * * that my file is fully accessible to legitimate creditors.

3. * * Provide a free copy * * of my corrected credit report.

4. * * Disclose the origin * * of these unauthorized blocks ( e.g., date initiated, method used ). 

* * Failure to comply within 15 days * * will compel me to : - File formal complaints with the [ CFPB ] ( https : //www.consumerfinance.gov/XXXX/ ), [ FTC ] ( https : //reportfraud.ftc.gov ), and [ CA Attorney General ] ( https : //oag.ca.gov/XXXX  ). 
- Pursue legal action for * * willful noncompliance * * under FCRA ( 616 ) and California law ( CCRAA 1785.31 ), seeking statutory damages of * * {$1000.00} {$2500.00} per violation * * + punitive awards.

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 2025-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: World Omni Financial Corp.
State: NJ

Complaint narrative:
Reporting ads Charge Off not accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX XXXX # XXXX - Date Opened 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 explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
Reporting ads Charge Off not accurate 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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Description of the Issue : I am filing this complaint to report a serious violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, the Fair and Accurate Credit Transactions Act ( FACTA ), and 15 U.S.C. 1681b ( a ) ( 3 ) which regulates permissible purposes for accessing a consumer credit file. 

The following companies conducted unauthorized hard inquiries on my credit report : XXXX XXXX XXXX XX/XX/2025, XX/XX/2025, XX/XX/20XXXX 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/2025 I never applied for credit with these businesses. I did not give express written consent, verbal authorization, or electronic acknowledgment permitting them to access my credit profile. Any access to my consumer report must meet the FCRAs strict requirement of a permissible purpose outlined in 15 U.S.C. 1681b ( a ). These companies failed to meet that requirement.

Additionally, under 15 U.S.C. 1681q, obtaining a credit report under false pretenses is a federal offense. If these companies can not provide signed and dated original documentation of my authorization, their inquiries are unlawful and must be treated as such. 

The inquiries have lowered my credit score, adversely impacted my creditworthiness, and exposed me to identity and privacy risks all without legal justification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I am filing a complaint against Capital One regarding how their dispute department has handled my recent charge dispute. I have spoken to their team multiple times, but it appears no one is actually reviewing my case. The dispute was automatically rejected without a clear explanation, and every time Ive called to ask why, Im told my documents were not receivedeven though I submitted them multiple times.

When I asked to escalate the dispute, I was told it would take 15 calendar days. I waited nearly a month, and after hearing nothing back, I had to request escalation againonly to be told my dispute was denied again for missing documents that I had already provided more than once.

It seems as though no human is actually reviewing the case or reading the materials Ive sent. I have asked for clear reasons for the denial, but Capital One has not provided any. I am left without answers, with no way to speak directly to someone handling my case, and no transparency about what is happening. The process feels dismissive, automated, and unfair.

I am asking the CFPB to help ensure my case is properly reviewed by a real person, with my submitted documents considered, and that I receive a clear and fair explanation of the outcome.

Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: IL

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2025-07-22 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:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation