vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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: NY

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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 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 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 XXXX XXXX XXXX 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 2025-07-16 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: CBC Companies, Inc.
State: WI

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: NJ

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
Avant web Bank credit card number XXXX is is reporting that I was late this was due to my husband having a XXXX XXXX and having to have XXXX XXXX XXXX and being out of work for XXXX  months I caught up and then been making the payments now I asked them to please take off the late payments so it wouldn't hurt my credit report they never got back to me about anything I need this taken off to help me get back on my feet

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: NY

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>

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 2025-07-16 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: MI

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-07-16 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: NY

Complaint narrative:
Ive been provided an item with important information regarding my payment details, account summary, and account notifications and as a cardholder, I share concern about ensuring the account is properly managed and maintained. After a reasonable opportunity to inspect the item that has been presented and addressed to me related to the agreement, I believe there is a possible mistake on the statement and error on the account. In the Account XXXX there is no indication of a XXXX XXXX, whereas on the payment coupon there is, this inconsistency renders it incomplete.I also believe the XXXX XXXX charge has not been authorized but has been posted to the account, resulting in the true transaction amount being omitted. 
I consent to the collection of consumer reports on the account. To ensure fairness and accuracy in credit reporting, agencies should collect personal and consumer information, then report if for review and investigation of consumer credit, creditworthiness, character, and value. This is intended for permissible purposes related to credit and insurance statements. 


Please See Attachments

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 2025-07-16 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: NC

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 non-monetary relief
Consumer complaint received 2025-07-16 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXXXXXX 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 Balance : {$26000.00}

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 2025-07-16 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: NV

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXXXXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I submitted a vehicle financing inquiry through XXXX XXXX official website : https : //www.gmfinancial.com/en-us/apply-shortform.html. The site clearly states that the process will result in a soft credit inquiry only, with no impact to your XXXX XXXX. 

As part of the application, I was required to select a local dealership. I selected the nearest XXXX, submitted the form, and expected a pre-qualification offer as described. 

However, on XX/XX/year>, XXXX XXXX XXXX in XXXX, Texas, a dealer I had never contacted or spoken with, accessed my information and performed an unauthorized hard credit inquirywithout my consent, communication, or any warning. This hard pull appeared on my credit report and caused a drop in my XXXX XXXX, directly violating the terms stated on GMs own website. 

The dealer used information submitted through GMs soft inquiry platform to run a hard check, despite never having my verbal or written authorization. This is a serious violation of the Fair Credit Reporting Act ( FCRA ) and a deceptive practice that misled me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: IL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX XXXX XXXX XXXX XXXX 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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Hello, I have received my credit report from XXXX XXXX XXXX XXXX 
The report reflects a Closed account XXXX XXXX as XXXX and reporting Late payment as a current status. 
This is inaccurate information being reported against me. 
I have asked for the information and proof of how it was verified since there is no phone number associated with this company. Therefore, I'm suffering with a low XXXXredit score and other factors that is taken into consideration to form a negative profile report.

It's not helping me to present a dispute to the XXXX  credit reporting agency, because they keep coming back as verified without proof just automated verification and not updating or removing this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: OFG BANCORP
State: VA

Complaint narrative:
This is a new complaint related to CFPB XXXX XXXX. XXXX, which was previously closed without resolution. Since the prior case was closed, Oriental Bank has failed to respond to my detailed legal settlement offer dated XX/XX/XXXX, despite receiving it. 

This complaint concerns XXXXXXXX XXXX continued reporting of a {$4900.00} deficiency balance on a voluntarily surrendered vehicle loan during the XXXX national emergency and FEMA-declared disaster XXXX in XXXX XXXX ( XXXX XXXX XXXX Oriental Bank : Did not provide relief or forbearance under the XXXX XXXX ( XXXX ) despite my requests in XXXX during COVID-related hardship and unemployment. 

Failed to properly notify me of deficiency balances or credit reporting actions after my relocation to the mainland XXXX, violating basic due process and XXXX XXXX XXXX XXXX XXXX notice requirements. 

Continues to report this account as derogatory, causing me ongoing financial and emotional harm, despite my willingness to resolve the matter amicably. 

On XX/XX/XXXX, I sent a formal settlement proposal requesting : Full deletion of the tradeline from Equifax, Experian, and TransUnion Forgiveness of the alleged deficiency balance of {$4900.00} Written confirmation of account closure and no future collection or sale of the debt This offer included multiple federal case precedents showing lenders obligations to fairly report accounts during declared emergencies. Oriental Bank never responded. 

The bank has ignored its obligations under the : Fair Credit Reporting Act ( FCRA, XXXX XXXX. XXXX ) CARES Act XXXX Equal Credit Opportunity Act ( XXXX, XXXX XXXX. XXXX ) XXXX XXXX XXXX XXXX and disaster consumer protection policies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: NV

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXXXXXX 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

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 2025-07-16 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: TX

Complaint narrative:
I call my capital one card to let them know we are senior and someone scam us by telephone sunday XXXX, 2025 after XXXX call where they answer me in XXXX XXXX and XXXX etc. after I ask the address of the company they give me only the name global representacion en XXXX XXXX and XXXX, when I investigate this company I found review of XXXX star and scam for everyone. I call capital one to let them know and they said again that was not a fraud that I was willing participant when I gave my credit card. We bought a train ticket spainrail when we saw the hour was wrong we call the phone in XXXX. 
was wrong we call the phone in XXXX XXXX so they will fix the hour in our reservation was XXXX am to XXXX and a person XXXX said XXXX XXXX euros to change the hour doesn't matter was not our fault. We gave the XXXX XXXX they denying the transaction so we use capital one so we never receive our tickets with the service of change the hour so we suspect was a fraud or scam but capital one refuse to investigate this scam and still insist is a despute because we gave our number of our card they use a link. I feel that capital one is allowing this type of scam and don't help the customer after XXXX  years to have it. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
A fair and lawful resolution under the Fair Credit Reporting Act ( FCRA ) requires that XXXX  : Permanently delete the inaccurate late payment being reported for : XXXX XXXX Account Number : XXXX Require proper validation from the furnisher, including : Proof that the creditor sent timely notice of the payment due Documentation of any reminders, billing statements, or default notices A verification that the notice was provided prior to reporting the late payment to XXXX If no such proof can be furnished, XXXX must delete the late payment entry immediately under FCRA 1681e ( b ), 1681s-2 ( a ) ( 1 ) ( A ), and 1681i ( a ).

Send written confirmation of the deletion and an updated, corrected copy of my credit report within 15 business days.

If XXXX fails to do so, I will proceed with additional regulatory complaints and consider legal action under FCRA 616, which allows recovery of up to {$1000.00} per violation, plus attorney 's fees and actual damages.

This is a matter of compliance, not preference. I am requesting nothing more than what is owed to me under federal law : a fair opportunity to dispute an error and have it removed if unverified.

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 2025-07-16 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: Credit Control, LLC
State: FL

Complaint narrative:
Credit Control , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, MO Phone : XXXX RE : Cease and Desist Communication Reference XXXX XXXXXXXX To Whom It May Concern, I am formally requesting that Credit Control , LLC cease all further communication with me regarding the alleged XXXX XXXX account ( Reference XXXX XXXX ), as allowed under the Fair Debt Collection Practices Act, 15 U.S. Code 1692c ( c ).

You have previously confirmed that you : Are no longer collecting on this account Have requested deletion of your tradeline Do not own the account and can not take further action Despite this, I continue to receive communication from your office. Be advised that any future contact from you, except for formal notice that no further contact will occur, will be considered a violation of the FDCPA, and I will report this to the Consumer Financial Protection Bureau ( CFPB ) and FTC.

Thank you for your cooperation. No further communication is necessary. 

Sincerely, 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