vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-26 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:
On XX/XX/year>, I incurred a charge for services at XXXX XXXX   in the amount of {$220.00}. Later I received a text message from Capital One indicating XXXX {$220.00} charges. I looked on my Capital One app and saw that the charges were marked pending. I called Capital One to inquire about the duplicate charges and was informed that it was pending and would only go through once, not twice as it was showing on my account. I took them at their word and did not look at my account again for several months. 

In the interim, shortly after I had noticed and inquired about the issue, my husband suffered several grand mal XXXX and was hospitalized in XXXX. Due to the distress this caused in our family, time away from work, and then subsequent efforts to catch up on multiple work projects, I was in survival mode paying bills as they arrived without much inspection. It was not until I was compiling medical bills to include as deductions on our federal tax return this spring that I noted the {$220.00} charge from XXXX XXXX  had indeed been processed twice despite my being reassured that a duplicate charge would not go through. Upon realizing this, I immediately contacted both XXXX XXXX  and my credit card company to dispute the duplicate charge. XXXX XXXX claims that they did not receive XXXX {$220.00} payments from my Capital One XXXX account despite me showing them the credit card statement demonstrating the duplicate charge. Capital One maintains that it is my fault for not notifying them sooner, which I did as soon as I realized the error. I also provided Capital One with both the receipt from that visit as well as a document from XXXX XXXX, XXXX XXXX  's point of sales service, indicating that they only received XXXX payment. 

Ultimately, I was charged twice for the same service, but neither Capital One nor XXXX XXXX  will accept responsibility- both blame the other and say it was not an error on their part. I just want to be treated fairly in this situation. No one is disputing that I only incurred a single {$220.00} charge for a single service, but neither business will help me rectify the error that was not mine. I appreciate your help with this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I took out a title loan with One Main. They keep calling me after I tell them that I don't have the money. They call me almost every day. My truck was totaled and the insurance company made a payment to them, but they keep calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: TN

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Equifax 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal dispute with Equifax to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Equifax responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Equifax for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX veteran who suffers from XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only XXXX XXXX  remaining to finalize my home purchase. Equifaxs refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Equifax fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Equifax be held accountable for the injury and distress they have caused. 

I am attaching supporting documents, including copies of my dispute submission and Equifaxs stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding breach of my privacy rights by one or more consumer credit reporting agencies. Specifically, my student loan information has been included in my credit report without my knowledge or consent.

This disclosure constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ), which strictly prohibits the release of my education recordsincluding student loan detailswithout my written consent. The unauthorized transmission of this sensitive information to a credit bureau represents an unlawful disclosure under FERPAs confidentiality protections.

Moreover, this conduct appears to violate the Privacy Act of 1974, which governs the collection, maintenance, use, and dissemination of personally identifiable information by federal agencies and their agents. My student loan data, protected under federal law, was obtained and reported without the legally required safeguards, notices, or consent.

I am formally requesting that the Consumer Financial Protection Bureau investigate this matter and instruct the responsible credit bureau ( s ) to immediately and permanently remove my student loan information from my credit file. The inclusion of this data has not only breached my legal rights but may also cause undue harm to my credit profile and financial wellbeing.

I respectfully urge the CFPB to ensure full accountability and compliance with all relevant privacy laws, including FERPA and the Privacy Act of 1974.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: WA

Complaint narrative:
I am submitting this attachment as part of my formal dispute regarding inaccuracies found on my credit report. Please find below a detailed account of the discrepancies related to my names, addresses, and credit inquiries that require correction. 
2. Incorrect Addresses : The following addresses appear on my credit report that are either outdated or not linked to me : XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX, WA, XXXX XXXX XXXXXXXX XXXX XXXX  WA, XXXX These addresses do not correspond to my current or previous residences. 
My correct address is : [ XXXX XXXX XXXXXXXX XXXX  XXXX XXXX WA 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 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I made a full auto payment of XXXX on XX/XX/XXXX for a note due on XX/XX/XXXX. I told them my husband was opening a new account to pay from. They told me that as long as the payment was received no later than XX/XX/XXXX, there would be no impact to my credit because it would not be 30 days late. They also confirmed that if I wanted to skip XXXX payments I was eligible. I took the offer. I confirmed that the XXXX payment would be applied and that my next note would not be due until XX/XX/XXXX, placing XXXX and XXXX at the end of my term. 

The rep admitted the paperwork they sent me to sign for the XXXX and XXXX skip-a-payment program was a bit confusing and that I should make the full payment for XXXX and I would be all squared away until XX/XX/XXXX. The full payment would be applied to XXXX. 

I received a credit alert on XX/XX/XXXX that Ally had flagged my account as 30 days past due ( less than 2 months behind ). I couldn't believe it after they assured me this would be reported with no impact to my credit. They reported only a partial payment which was not true. I paid the full amount at 26 days out. I find speaking with their reps very difficult. If they do not fix this immediately I would like the last XXXX recordings pulled for review where you can clearly hear them confirm my payment status and agreements. I haven't had a blemish to my payment history in at least XXXX  years or more and I pride myself on that. I do not gamble with my credit and pay responsibly. My score went down XXXX points in XXXX day because of their error. This is not acceptable and has me very upset as a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint against TRANSUNION for their continued reporting of inaccurate and unauthorized credit inquiries on my credit file. I have previously disputed these inquiries directly with TRANSUNION, but no corrections have been made, and no meaningful investigation has taken place in violation of the Fair Credit Reporting Act ( FCRA ). 
The following unauthorized hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I did not authorize these inquiries, nor did I submit any applications that would have permitted them under 15 U.S. Code 1681b. These inquiries were made without my knowledge or consent and have harmed my credit profile. This is a direct violation of federal law, and TRANSUNION has a legal obligation to ensure that all inquiries are backed by proper consumer authorization. Given that TRANSUNION has failed to act upon my prior dispute efforts and continues to report inaccurate and unauthorized information, I am requesting that the CFPB compel TRANSUNION to immediately delete these unauthorized inquiries listed above. Continued noncompliance reflects willful negligence under FCRA, and I reserve the right to escalate this matter further to the Federal Trade Commission ( FTC ) and my state Attorney General if no resolution is achieved. I appreciate the CFPB 's assistance in ensuring this matter is properly addressed and corrected.

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 2025-05-26 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-26 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
In XX/XX/year> a dispute letter was sent to the company by me about the amount of {$1800.00}. Proper investigation was not done by the company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: WI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: GA

Complaint narrative:
This correspondence is to inform you of fraudulent accounts added to my credit profile due to a data breach. In compliance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete the accounts within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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 2025-05-26 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: UT

Complaint narrative:
I hope this message finds you well. I am reaching out to formally dispute several inaccuracies on my credit report that are having a significant and harmful impact on my life as a single father. 
These errors are affecting my ability to secure stable housing, access fair credit, and meet essential needs for myself and my child ( ren ). As the sole provider, every financial obstacle caused by these mistakes creates additional stress and hardship. 
The information below on my report I have identified as identity theft, and this item is not related to any transactions by me at all. I was not able to move because of my credit profile being inaccurate due to these unknown accounts being opened in my name. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error : nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : This unauthorized item has had a profound negative effect on my credit profile, and I am reaching out to you to request your assistance in rectifying this situation. The unauthorized item ( XXXX ) on my credit reports are : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation
State: MI

Complaint narrative:
This complaint is being submitted against XXXX  XXXX for reporting inaccurate and incomplete information on my consumer credit report regarding an account listed as XXXX XXXX  account # XXXX. The reporting includes a late payment that is incorrect and is listed without sufficient detail to verify or validate the account. 



Facts : 1. The account is identified on my credit report only as XXXX XXXX account # XXXX. 
2. The reporting includes a late payment, which I dispute as inaccurate.

3. The alleged delinquency is harmful to my credit standing, yet no proper documentation or account detail has been provided to support its legitimacy.

4. The information is incomplete because the full account number is not shown, making it impossible for me to investigate or confirm the accuracy of the reporting.

5. I have not received proper notice or verification related to the billing or payment due dates associated with this account.

Legal Basis : 1. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) ( 5 ) ( A ), if information can not be verified, it must be promptly deleted from a consumers credit report.

2. Under 15 U.S. Code 1681e ( b ) : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

3. Under 15 U.S. Code 1666b Timing of payments : A creditor may not treat a payment as late for any purpose unless the creditor has adopted reasonable procedures to ensure that each periodic statement is delivered not later than 21 days before the payment due date. 

XXXX continued reporting of a late payment without sufficient or verifiable information and without disclosure of a full account number is a violation of these provisions. 



Conclusion : XXXX  is reporting incomplete and inaccurate information about the XXXX XXXX  account, damaging my credit reputation without proper verification. I respectfully request that the CFPB take action to ensure that XXXX complies with federal law and corrects this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: NY

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

Company response to consumer: Closed with non-monetary relief