vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-07-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX, GA XXXX XXXX XXXX XX/XX/year> RE : Request for Deletion of Obsolete and Inaccurate Information Under 15 U.S.C. 1681c-2 Dear Consumer Financial Protection Bureau , I am writing to formally request your assistance in resolving a dispute with the credit reporting agencies related to the reporting of inaccurate, outdated, and unverifiable negative information on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I am exercising my right to request that certain adverse information be permanently blocked from my credit report. 

Under 15 U.S.C. 1681c-2, any consumer has the right to request that a consumer reporting agency not furnish a consumer report containing any adverse item of information that resulted from identity theft or that is otherwise incorrect, obsolete, or unverifiable. 

I have already contacted the credit reporting agencies to dispute the following inaccurate and outdated negative accounts : XXXX. National Credit Adjusters Account # XXXX XXXXXXXX o Reported Status : Closed o Reason for Dispute : This account is not mine outlined in 15 U.S.C. 1681c ( a ). 
XXXX. XXXX XXXX Account # XXXXchargeoff Despite previous disputes, these accounts remain on my credit report in violation of FCRA guidelines. I am requesting CFPB intervention to ensure compliance with the law and the permanent deletion of these items. 

Supporting Documentation : Copy of my drivers license or ID Proof of current address ( utility bill or bank statement ) Copy of my credit report with disputed accounts highlighted Requested Resolution : I am requesting that CFPB conduct a thorough investigation into these violations and require the credit reporting agencies to delete or block the reporting of these items under 15 U.S.C. 1681c-2. These accounts are damaging my credit standing and should not lawfully be reported. 

Thank you for your time and assistance in this matter. Please contact me should you require any further documentation or clarification. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: NY

Complaint narrative:
My credit report and personal data were accessed and shared by companies I never authorized, and this information appeared across numerous data broker and background check websites. I did not provide consent, and my report was used in ways that put my privacy and safety at risk. This violates FCRA protections. 


Over the past year, I discovered that my personal data including current and former addresses, phone numbers, and employment history was exposed across numerous people-search and background-check websites. 
I did not give any credit bureau or data broker permission to collect or distribute this information. Despite placing freezes on all XXXX  XXXX  credit bureaus and utilizing data removal services, my information continues to be bought, sold, and published online. 
My safety has been affected. Ive received suspicious phone calls, and my personal information has been accessed without consent. These actions violate my privacy and contribute to a larger systemic failure to protect consumers. 
This is not just a case of incorrect data it is unauthorized collection, resale, and exposure of sensitive information that should not have been distributed in the first place.

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 2025-07-09 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: DC

Complaint narrative:
Background : In XX/XX/XXXX, after opening a Venture X account, I closed my Venture XXXX account by phone with an agent. The account had a XXXX balance at closure, and the agent confirmed that everything was properly handled. 

The Problem : Despite this account being closed for over a year, several failures occurred : XXXX. Unauthorized Charge Processing : In XX/XX/XXXX, Capital One processed a magazine subscription charge to my closed accountmore than 13 months after account closure. This charge should have been automatically declined. 

2. Complete Communication Breakdown : Capital One failed to notify me of this charge through any available channelno email statement, postal mail, phone call, or text message. Given that Capital One has access to my current contact information across multiple active card and bank accounts, this oversight is particularly troubling. 

XXXX. Automatic Payment Failure : Despite having automatic payments configured on this account ( as I do on all my Capital One cards ), these payments were not applied to resolve the charge. 

XXXX Credit Bureau Reporting : Most concerning, Capital One reported this account as delinquent to credit bureaus, damaging my credit score. While Capital One failed to communicate with me directly, they managed to communicate negative information to the credit agencies.

Resolution Requested I am seeking your help to : Remove all negative reporting from my credit file Provide a detailed explanation of how this situation occurred Implement safeguards to prevent similar failures for other customers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I am writing to formally file a complaint regarding the mishandling of my longstanding account with XXXX XXXX serviced through Concora Credit, including improper communication, credit reporting errors, and the abrupt closure of the account without fair notice or opportunity to resolve the matter. 

I have maintained this account in good standing for years. However, after recently paying the balance in full, the creditor allegedly mailed a single physical letter requesting identity verification. I never received this letter, and no other notificationsemail, secure message, phone call, or online account alertswere provided. I continued using my online account, which displayed an available credit limit, and spoke with representatives on multiple occasions after the letter was supposedly sent. Not once was this verification request mentioned by any representative. 

I only discovered there was an issue when I attempted to use the card and it was unexpectedly declined. Upon calling the creditor, I was told the account was on hold yet I was not informed of any deadline, nor was I told at any time that account closure was imminent. Furthermore, the representative stated they could not provide instructions on how to verify my identity over the phone and still failed to warn me that the account would close. 

In addition, this creditor had previously created partial drafts from my bank accountwithout my initiationleading to a late payment history that negatively impacted my credit report. While they acknowledged this as an error and refunded associated late fees, they have refused to correct the resulting derogatory credit reporting. 

This situation is deeply concerning. The following issues are particularly egregious : Lack of proper notice or opportunity to comply with identity verification, Continued display of an available credit limit despite account hold, Multiple service failures in communication during customer service calls, Unjustified derogatory reporting due to internal payment errors, Final closure of account without notice, recourse, or clear process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft and I am submitting this dispute under FCRA 605B ( 15 U.S. Code 1681c-2 ). The following items were fraudulently added to my credit report and must be removed immediately : Names to Remove : XXXX XXXX XXXX XXXX Addresses to Remove : XXXX XXXX XXXX, XXXX XXXX, MD XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Inquiries to Remove : XXXX XXXX XXXX ( XX/XX/XXXX TransUnion ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian ) Accounts to Remove : XXXX XXXX XXXX XXXX {$800.00} Collection ) XXXX XXXX XXXX XXXX XXXXXXXX {$320.00} Collection ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these accounts are inaccurate, unauthorized, and the result of identity theft. I did not apply for, open, or benefit from these accounts, nor did I give anyone permission to use my personal information for these purposes. 

The impact of this theft has been financially and emotionally distressing. My credit score has significantly decreased due to these fraudulent entries, and I have faced obstacles in obtaining housing and credit. The accounts have been reported as past due or in collections, which unfairly reflects my character and creditworthiness.

Under 15 U.S.C. 1681c-2, I am entitled to have these fraudulent entries blocked from my credit report once I provide proof of identity, a statement of dispute, and a copy of this identity theft report. I am requesting the permanent blocking and removal of all listed accounts from my credit files with Experian and any other agencies reporting them. 

I affirm that the information I am providing is truthful to the best of my knowledge. I am also in the process of notifying the credit bureaus, affected creditors, and filing any necessary law enforcement reports. 

This personal statement is submitted as part of my FTC Identity Theft Report to support efforts to correct my credit file and prevent further unauthorized use of my identity. 



Attached : FTC Identity Theft Report Government-issued photo ID Proof of current address Please complete removal within 4 business days as required by law. 
Thank you 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 2025-07-09 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: TX

Complaint narrative:
I am a victim of identity theft and I am submitting this dispute under FCRA 605B ( 15 U.S. Code 1681c-2 ). The following items were fraudulently added to my credit report and must be removed immediately : Names to Remove : XXXX XXXX XXXX XXXX Addresses to Remove : XXXX XXXX XXXX, XXXX XXXX, MD XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Inquiries to Remove : XXXX XXXX XXXX ( XX/XX/XXXX TransUnion ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian ) Accounts to Remove : XXXX XXXX XXXX XXXX {$800.00} Collection ) XXXX XXXX XXXX XXXX XXXXXXXX {$320.00} Collection ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these accounts are inaccurate, unauthorized, and the result of identity theft. I did not apply for, open, or benefit from these accounts, nor did I give anyone permission to use my personal information for these purposes. 

The impact of this theft has been financially and emotionally distressing. My credit score has significantly decreased due to these fraudulent entries, and I have faced obstacles in obtaining housing and credit. The accounts have been reported as past due or in collections, which unfairly reflects my character and creditworthiness.

Under 15 U.S.C. 1681c-2, I am entitled to have these fraudulent entries blocked from my credit report once I provide proof of identity, a statement of dispute, and a copy of this identity theft report. I am requesting the permanent blocking and removal of all listed accounts from my credit files with Experian and any other agencies reporting them. 

I affirm that the information I am providing is truthful to the best of my knowledge. I am also in the process of notifying the credit bureaus, affected creditors, and filing any necessary law enforcement reports. 

This personal statement is submitted as part of my FTC Identity Theft Report to support efforts to correct my credit file and prevent further unauthorized use of my identity. 



Attached : FTC Identity Theft Report Government-issued photo ID Proof of current address Please complete removal within 4 business days as required by law. 
Thank you 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 2025-07-09 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 kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

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 2025-07-09 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: FL

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 non-monetary relief
Consumer complaint received 2025-07-09 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:
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 2025-07-09 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 submitting this complaint because there is inaccurate and potentially unverified information appearing on my credit report. I followed the dispute process as outlined under the Fair Credit Reporting Act ( FCRA ) and contacted the credit bureau and/or furnisher responsible, yet the disputed information remains on my credit file without proper validation or correction.

Despite my attempts to resolve the issue directly, I have not received sufficient documentation to verify the accuracy of the information. I am concerned that this unresolved reporting is negatively impacting my credit score and overall financial standing.

This raises concerns regarding the credit bureaus and/or furnishers compliance with FCRA Section 611, which mandates that disputed information must be verified or removed within 30 days. Continued reporting of unverified or incorrect data may constitute a violation of federal consumer protection laws.

What Im Requesting : I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to : Review this matter thoroughly and investigate the handling of my dispute Ensure that any inaccurate or unverifiable information is removed or corrected Confirm that proper reinvestigation procedures were followed Hold the responsible parties accountable for compliance with 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 2025-07-09 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: AL

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

1681c-2 ) that you, the Experian Credit Services , 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX AL XXXX INQUIRIES : XXXX XXXXXXXX XXXX Date : 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 2025-07-09 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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 XXXX CA XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$21000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Dear CFPB, I am submitting a formal complaint regarding a predatory auto loan issued by XXXX XXXX for a XXXX XXXX XXXX XXXX. The loan originated in XX/XX/XXXX with a balance of {$25000.00} and was assigned an annual percentage rate ( APR ) of 26.57 %.

Despite nearly three years of consistent payments, the balance remains at {$21000.00} a minimal reduction, indicating that the overwhelming majority of my payments have gone toward interest. The vehicle is now XXXX XXXX XXXX, and I am being charged a rate that is far beyond reasonable, even for subprime borrowers. This interest rate is excessive, exploitative, and has created an unsustainable financial burden.

So only {$4000.00} has gone towards the vehicle and the rest has gone to interest.

With this outrageous interest rate, it will nearly be impossible to ever repay this loan.

I have reached out to XXXX XXXX  on multiple occasions, requesting assistance, rate review, or a loan modification. Despite my best efforts and willingness to cooperate, they have refused to offer any flexibility or relief.

I believe this loan falls under unfair lending practices and ask the Consumer Financial Protection Bureau to intervene and investigate the matter. I am requesting your help to ensure XXXX XXXX is held accountable and that I am offered a fair and manageable repayment option.

Thank you for your time and attention to this serious issue.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation