vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 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: CA

Complaint narrative:
I am filing a formal complaint against Equifax, Experian, and TransUnion for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ). Since XX/XX/year>, I have submitted multiple certified dispute letters regarding inaccurate, inconsistent, and unverifiable information reported on my credit file. These include conflicting date opened, last activity, reported dates, re-aged accounts, and reinserted accounts without required notice under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 
The credit bureaus have failed to conduct reasonable reinvestigations under 1681i ( a ), have not disclosed verification methods as required under 1681i ( a ) ( 6 ), and have failed to maintain maximum possible accuracy ( 1681e ( b ) ). This has resulted in credit denials, financial harm, and emotional distress. 

________________________________________

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 2025-08-14 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. 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 explanation
Consumer complaint received 2025-08-14 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Complaint Summary : Capital One customer service misrepresented the terms of payment arrangements on two separate credit card accounts, resulting in improper late fee charges despite my adherence to the agreements.

Details : I have been a Capital One customer for many years with no prior missed payments.

After missing a credit card payment for the first time, I called Capital One on XX/XX/year> to set up a XXXX-month payment plan to resolve the balance. 
o During that call, the representative clearly implied that this arrangement would avoid further late fees. While on the call, they removed the late fee that had already posted. 
In XX/XX/year>, my first payment plan installment was processed successfully, but a new late fee was assessed. 
o When I called to dispute it on XX/XX/year>, I was told there is a disclosure that partial payment plans do not stop late fees unless the minimum due is met. This was not explained clearly or potentially at all when I agreed to the plan. 

Second Account : On the XX/XX/XXXX call, I also asked about a different Capital One card. 
o At that time, I could not set up a XXXX plan, but the agent arranged for me to make a one-time payment of my prior minimum ( from before I missed a payment ). 
o The agent again intimated that no late fee would be assessed, and told me to call back after making that payment to then set up a XXXX plan for that account as well. 
After making the agreed one-time payment, I was still assessed a late fee on this second account. 
Why I am filing this complaint : In both cases, Capital One agents gave verbal assurances that I would not be charged late fees while following the agreed arrangements.

In both cases, late fees were still applied, contradicting those assurances.

These late fees appear to be the result of inaccurate or incomplete information provided by Capital One representatives, which caused financial harm and may affect my credit standing.

I have upheld my side of the agreements fully and acted in good faith to bring both accounts current.

Resolution Requested : Refund/waive all late fees applied to both accounts during the agreed arrangement periods.

Refund/waive any interest or finance charges that resulted from these late fees.

Remove any related negative credit reporting ( including any delinquency marks ) from all credit bureaus.

Provide written confirmation of the above actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: MI

Complaint narrative:
Somebody took out XXXX school loans on the computer and used my Social Security number and my birthday, but a different last name. The names of the parents are not mine and their addresses. This happened in XXXX. I was also part of a data breach with XXXX XXXX and am part of that lawsuit. 

The company that is trying to get money from me is XXXX XXXX. And I spoke to them numerous times and informed them these are not my loans. I am working with a detective presently with the XXXX XXXXXXXX XXXX XXXX I also filed a complaint with the Federal Trade Commission. I am also notifying all three credit reading departments. 

Nobodys gon na take this off my credit report for just me. Anything you can do to assist me, I would appreciate it. This is already affecting me as far as getting any help. Its coming back as derogatory and it knocked my credit rating down quite a significant amount. 

Come on

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 2025-08-14 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: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
Somebody took out XXXX school loans on the computer and used my Social Security number and my birthday, but a different last name. The names of the parents are not mine and their addresses. This happened in XXXX. I was also part of a data breach with XXXX XXXX and am part of that lawsuit. 

The company that is trying to get money from me is XXXX XXXX. And I spoke to them numerous times and informed them these are not my loans. I am working with a detective presently with the XXXX XXXX Police Department. I also filed a complaint with the Federal Trade Commission. I am also notifying all three credit reading departments. 

Nobodys gon na take this off my credit report for just me. Anything you can do to assist me, I would appreciate it. This is already affecting me as far as getting any help. Its coming back as derogatory and it knocked my credit rating down quite a significant amount. 

Come on

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
I was scammed on XX/XX/year> by an impostor pretending to be a customer service agent for XXXX. I paid the scammer {$500.00} throughout XXXX XXXX linked to my Sofi checking account. The payment was to upgrade my XXXX account to business in order to get paid for selling a desk to a prospective buyer. The listing was on XXXX XXXX. After communicating with the buyer, an email was sent to me by this XXXX agent stating that in order to get payment for the desk I was selling I needed to pay {$500.00} because the buyer was depositing {$500.00} plus {$100.00} ( the cost of the desk ). Once I paid the {$500.00} refunding the buyer, I would get my {$500.00} back plus {$100.00} for the desk. The payment of {$500.00} went though using XXXX XXXX linked to my checking account. I didnt get my {$500.00} back because the scammer had made 3 transactions of {$500.00} equal to {$1500.00}, so in order for me to get my money back I needed to pay {$1000.00}. At this point I realized I had been scammed. I reported this to my bank initiated a dispute but my claim was denied without recognizing that I had been a victim of fraud. I also contacted XXXX XXXX but no one ever called me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need to have deleted will be attached in a pdf document. I have several accounts that I DID NOT apply for listed on my credit report. My information was exposed in the XXXX XXXXXXXX XXXX and as a result someone opened up several fraudulent accounts in my name. 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 also enclosed copies of the report. According to FCRA 605 B this information must be blocked within 4 days. XXXX  has been slow in responding to my request via postal mail so now I'm involving the CFPB. This inaccurate information is causing me lots of stress and discomfort and embarrassment.

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 2025-08-14 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: WA

Complaint narrative:
The CRA 's have willfully been complicit in aiding in fraud/theft of my identity by reporting accounts that I never gave permission or consent for and they violate the following law codes XXXX XXXX  15 U.S.C. 1681b XXXX XXXX You may not furnish or maintain data on a consumer report without a XXXX XXXX permissible purpose XXXX XXXX. I demand proof of such purpose. 
XXXX  If an identity thiefs inquiry or account was not initiated by me, it has been obtained without a permissible purpose, making it unauthorized and not accurate in compliance with 15 U.S.C. 1681eb XXXX XXXX XXXX 15 U.S.C. 1681s-2 ( b ) XXXX XXXX The furnisher of this data is obligated to conduct a reasonable investigation upon notice of a dispute and must XXXX XXXX delete XXXX XXXX  any data that can not be verified as 100 % accurate. 

XXXX XXXX XXXX5 U.S.C. 1681i XXXX XXXX You are required to complete an investigation within XXXX XXXX 30 days XXXX XXXX of receiving this dispute. If the data can not be verified, you must XXXX XXXX delete it immediately * XXXX XXXX XXXX 15 U.S.C. 1681c-2 Blocking Information Resulting from Identity Theft Once I provide XXXX XXXX  Proof of identity XXXX  A copy of an Identity Theft Report ( from the FTC or police ) XXXX A written statement specifying the accounts in dispute The CRA must block the information within 4 business days and stop reporting it to third partiesXXXX XXXX XXXX  115 U.S.C. 1681s-2 ( a ) ( 6 ) Duties of Furnishers Regarding Identity Theft XXXX  Creditors ( furnishers of information ) can not report information if they know or have reasonable cause to believe it results from identity theft.

XXXX Once I send ID theft report, you must stop furnishing that information to CRAs.

Also in accordance with 15 U.S.C. 1681e ( b ) XXXX The CRA is legally obligated to ensure the accuracy of your credit file.

* Reporting fraudulent accounts is a failure of reasonable proceduresXXXX XXXX  I have provided proof of identity theft ( FTC report XXXX XXXX  By law, they must delete this data promptly.

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 2025-08-14 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: NC

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 2025-08-14 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:
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 explanation
Consumer complaint received 2025-08-14 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX TransUnion XXXX. XXXX XXXX, PA XXXX Re : Formal Dispute Under the Fair Credit Reporting Act Account # : XXXXXXXX XXXX XXXX  XXXX XXXX To Whom It May Concern, I am disputing the accuracy of the above account pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) XXXX, XXXX, XXXX, XXXX, and XXXX. Upon reviewing my TransUnion credit report, I have identified multiple factual errors that violate your obligation to maintain maximum possible accuracy of consumer information. 

Inaccuracies on TransUnion Report : XXXX XXXX XXXX You are reporting a high balance of {$640.00}, which does not match the actual charge-off amount of {$530.00}. This is materially misleading and violates FCRA XXXX ( b ). 

Date of Last Activity Discrepancy You report Date of Last Activity as XX/XX/XXXX but continue updating Date Reported to XX/XX/XXXX. This appears to be re-aging of the account in violation of FCRA XXXX ( c ). 

Creditor Remarks Conflict Your remarks state Charged off as bad debt / Profit and loss write-off while other bureaus report different statuses. This is inconsistent reporting under FCRA XXXX ( a ) ( XXXX ) ( A ). 

Closed Date Accuracy You report a Closed Date of XX/XX/XXXX, yet continue to update the account as if active. This is misleading to potential creditors. 

Credit Limit Accuracy You list a {$550.00} credit limit, but your high balance exceeds this amount without supporting documentation. This is misleading and harms my credit utilization ratios. 

Due to the number of inconsistencies and violations of FCRA XXXX ( b ) and XXXX ( a ), I demand that this account be deleted in its entirety. Continued reporting of materially inaccurate data is unacceptable and violates federal law. AND IF ITS NOT REMOVED WITHIN XXXX BUSSINESS DAYS I WILL START REQUESTING XXXX PER VIOLATION DUE TO THE FINANICAL HARDSHIP THIS IS CAUSING ME AND MY FAMILY. I WAS DENIED HOUSING WHICH IS AN ESSENTIAL NEED FOR ME AND MY FAMILY. 

Please conduct a proper investigation under FCRA XXXX ( a ) and provide me with written results, including a copy of the documentation you used to verify this information, within 30 days. If you can not verify the account with legally sufficient evidence, you must delete it immediately. 

Sincerely, 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 2025-08-14 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: CA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-08-14 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: TX

Complaint narrative:
Under USC 1681g, false information such as these accounts must be removed from the report within 15 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation