vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 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: CA

Complaint narrative:
After reviewing my credit reports from multiple consumer reporting agencies, I identified numerous accounts being reported with inaccurate, incomplete, and unverifiable information. Several accounts are reporting charge-offs with ongoing delinquency histories that are internally inconsistent with their current status, including accounts showing XXXX balances while continuing to display months of late payments. Multiple collection accounts are being reported by third-party debt buyers without documented proof of legal assignment, ownership, or consumer liability. Some of these collections appear duplicative or recycled, originating from the same creditors but reported as separate tradelines. Additionally, accounts included in a XXXX  XXXX bankruptcy discharge continue to report derogatory payment history and charge-off indicators without proper post-discharge suppression. I submitted formal disputes requesting reinvestigation and validation under the Fair Credit Reporting Act, yet the inaccurate information continues to be reported without evidence that a reasonable investigation or proper validation was conducted.

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 2025-12-22 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:
On XX/XX/year>, I submitted a credit reporting dispute against Equifax Information Services, LLC through the CFPB portal, including all documentation relevant to the dispute at the time of submission.

I did not submit any additional information or documents after XX/XX/year>. Therefore, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax was required to complete its investigation within 30 days. Equifax was not legally entitled to a 45-day extension under 1681i ( a ) ( 1 ) ( B ) because no additional information was provided by me.

Equifax failed to complete the investigation within the statutory timeframe and did not issue a response until XX/XX/year>, approximately 53 days after receipt of the dispute. This exceeds both the 30-day and 45-day investigation limits and constitutes a clear procedural violation of the FCRA.

Despite failing to complete a lawful and timely investigation, Equifax continued reporting the disputed tradeline and merely marked it as updated. Continued reporting of disputed information without timely verification violates 15 U.S.C. 1681i ( a ) and 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy.

Once the statutory investigation period expired, the disputed information became legally unverified. Equifax had no permissible purpose to continue reporting this information and its continued reporting constitutes negligent and/or willful noncompliance under 15 U.S.C. 1681n and 1681o.

Equifaxs actions have caused ongoing harm by maintaining inaccurate or unverified information on my consumer report and demonstrate a pattern of systemic noncompliance with federally mandated dispute procedures.

I am placing Equifax on formal notice that its failure to comply with the FCRA exposes it to civil liability, including statutory damages, actual damages, attorneys fees, and costs, as provided by law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: PA

Complaint narrative:
The complete lack of verified documentation supporting the accuracy of this information, along with the circulation of data that has not been properly validated, constitutes a direct breach of the requirements set forth in 15 USC 1681i ( 7 ). This failure to comply is both concerning and extremely frustrating, especially considering the legal duty to ensure accuracy and fairness. 

For these reasons, I request the immediate deletion of this account unless you can provide credible, verifiable proof confirming its legitimacy. Any further delay only heightens the frustration caused by the disregard for regulatory standards and the procedures designed to protect consumers from inaccuracies.

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 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have an old credit card from years and years ago that got charged off, its uncollectible and they refuse to let me close the account. 

It is through Capital One, it is a XXXX account. The only information they made available to me on my account in the app is that it is a XXXX XXXX card which ends in XXXX. My name is XXXX XXXX. It is uncollectible and I would like the account closed and removed from the app.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The complete lack of verified documentation supporting the accuracy of this information, along with the circulation of data that has not been properly validated, constitutes a direct breach of the requirements set forth in 15 USC 1681i ( 7 ). This failure to comply is both concerning and extremely frustrating, especially considering the legal duty to ensure accuracy and fairness. 

For these reasons, I request the immediate deletion of this account unless you can provide credible, verifiable proof confirming its legitimacy. Any further delay only heightens the frustration caused by the disregard for regulatory standards and the procedures designed to protect consumers from inaccuracies.

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 2025-12-22 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: FL

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

Account name : XX/XX/XXXXXX/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 2025-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

Account name : XX/XX/XXXXXX/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 2025-12-22 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: FL

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

Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  XXXX Account number : 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 2025-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  XXXX Account number : 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 2025-12-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
I have an apple savings account and receintely switched to a XXXX so access to the Apple Wallet app is not feasible. I contacted XXXX XXXX via phone to withdraw my funds and they told me that they can not initiate a funds transfer. They told me that only the account owner can transfer funds through the app, which is not possible since I no longer own an apple product.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The late payment entries currently appearing on my credit report are inaccurate and do not accurately reflect my true payment history. I have submitted multiple requests for investigation and correction of these discrepancies ; however, no meaningful or corrective action has been taken. Despite providing all requested documentation and following up in good faith, these errors remain unresolved. 

The continued reporting of inaccurate information has caused substantial financial harm and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a consumer credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information that is inaccurate, misleading, or can not be verified. Your failure to address these inaccuracies after repeated notice constitutes a violation of my rights under federal law.

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 2025-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-22 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: LA

Complaint narrative:
ASKED ALL REPORTING AGENCIES MONTHS AGO TO TAKE THIS COLLECTIONS ACCOUNT THAT WAS REPORTING AS AN OPEN ACCOUNT OFF MY CREDIT AND THIS ONE AGENCY HAS CHOSEN TO LEAVE IT UP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
my cash app card purse money wallet all stolen on XX/XX/year> I called cash app customer service while on the phone with them money was being taken out they told do a dispute I did got denied and my account closed for someone using my card without permission XXXX times back to back for like days called cheated with cash they said my account being closed due to fraud activity and I need to verify my identy so I did by calling customer service and chat services XXXX  times it's XXXX XXXX XXXX now my account still closed never got money back my chime card was takin to chime gave money back but not cash app not fair this need to be paid XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-12-22 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: AR

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with a trade-in
Company: Exeter Finance, LLC.
State: MO

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX  ( VIN : XXXX ) from XXXX Pre-Owned. I signed a retail installment contract with the dealership, which was later assigned to Exeter Finance. Payments were scheduled to begin XX/XX/XXXX, at {$690.00} per month.

I filed a complaint because of several unresolved issues : 1. Title issues : I contacted the Missouri Department of Revenue on XX/XX/XXXX, and was informed that there is no title on record for this vehicle. I have not received the title, nor confirmation of who holds legal title.

2. Proof of debt/enforcement : Exeter Finance refuses to provide documentation beyond a copy of the contract and statement of account. Assertions alone are not sufficient to prove their legal right to enforce this loan.

3. Dealer misconduct : Issues related to the origination of the contract and title appear to involve the dealership, but Exeter, as the assignee, can not disclaim responsibility entirely.

4. Credit reporting : Despite the dispute and lack of title confirmation, Exeter continues to report delinquencies to credit bureaus.

I attempted to pause payments until these issues are resolved and notified Exeter, who said they would make a note but have refused to provide further evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: TX

Complaint narrative:
EQUIFAX CREDIT REPORTING HAS VIOLATED MY RIGHTS TO FCRA! On XX/XX/XXXX XXXX REQUESTED A CEASE AND DESIST OF REPORTING FROM ( XXXX XXXX XXXX  XXXX-BALANCE XXXX as it appears on my EQUIFAX credit file. Since then EQUIFAX HAS ALLOWED XXXX XXXX XXXX  XXXX TO GAIN ACCESS TO MY CREDIT FILE AND UPDATE ACCOUNT ON FILE! I SENT EQUIFAX A FTC REPORT REPORTING ID THEFT FOR THIS ITEM. I SENT FTC REPORT VIA MAIL AND THRU CFPB WEBSITE PORTAL ON XX/XX/year>! EQUIFAX REFUSES TO REMOVE ITEM I HAVE CONSISTENTLY REPORTED AS IDENTITY THEFT! THIS ITEM SHOULD HAVE BEEN REMOVED IN 5 DAYS PER FCRA! EQUIFAX MUST BLOCK AND REMOVE ( XXXX XXXX XXXX  XXXX ) FRON MY EQUIFAX CREDIT FILE BEARING SOCIAL SECURITY NUMBER XXXX and date of birth XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I requested written loss mitigation options due to financial hardship, including voluntary surrender alternatives, deficiency balance settlement or reduction, hardship review, and clarification of how the account would be reported to credit bureaus. 

I also requested confirmation that repossession activity would be suspended while loss mitigation was under review. 

Despite certified written notice and confirmed receipt by Santander Consumer USA, I have not received a substantive response and was instead issued a repossession warning.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Spring Oaks Capital, LLC
State: NJ

Complaint narrative:
They have contacted me numerous of times after telling them to stop contacting me. They have left voicemails to try to collect money from me.

Company response to consumer: Closed with non-monetary relief