vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
I paid off my vehicle loan with Arvest Bank on XX/XX/year>, and subsequently canceled both my GAP and Vehicle Service Contract ( VSC ) products, which I had purchased through XXXX, totaling {$4700.00}. I intentionally waited until after the loan was paid in full to cancel so the refunds would be issued directly to me, not applied toward the loan balance. 

Per Arvests instructions, the dealership ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX mailed both refund checks to XXXX XXXX XXXX XXXX Arvest Bank. I have documentation confirming : The checks were mailed on XX/XX/year> to the address listed on the Lender-Initiated Product Cancellation Notice, The funds were remitted via ACH froXXXX XXXX XXXX  to Arvest Bank XXXX XX/XX/year>. 

Despite this, Arvest continues to deny receipt of the funds. I have now been told multiple conflicting things including that XXXX has 45 to 50 days to process the refund ( which they already did ), and that Arvest has no record of receiving it. No one is taking responsibility for these funds, which do not belong to Arvest and should have been forwarded to me weeks ago. 

This is {$4200.00} in contract refunds I am legally owed. My loan has been closed for over a month, and Arvest has no right to retain or delay these funds. I am now being told to contact the dealership again despite their full compliance and documented proof that the money was sent and received. 

I am demanding an immediate investigation into the location of these funds and prompt issuance of the refund directly to me.

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 2025-07-18 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: FL

Complaint narrative:
On XX/XX/year>, I submitted formal disputes to Experian Information Solutions Inc. regarding three inaccurate accounts on my credit report : XXXX  XXXX account ending in # XXXX XXXX  XXXX account ending in # XXXX XXXX account ending in # XXXX These disputes were submitted exclusively through certified mail ( tracking # XXXX ), and included supporting documents that challenged the accuracy of late payments, charge-off statuses, and account closure dates. I also provided documentation proving that XXXX  deleted the same three accounts after its own reinvestigation : XXXX  XXXX # XXXX was deleted by XXXX  on XX/XX/year> XXXX XXXX # XXXX was deleted on XX/XX/year> XXXX was deleted on XX/XX/year> Despite this, Experian failed to conduct a proper reinvestigation and issued vague or incomplete responses : On XX/XX/year>, for the XXXX  account XXXX XXXX XXXX ), Experian issued Report # XXXX and stated the result as : Updated Information on this item has been updated. Please review your report for the details. 
No clarification was given about what was updated or how the item was verified. No supporting documents or procedures were shared. 

For XXXX XXXX account # XXXX, Experian issued Report # XXXX on XX/XX/year>, stating : The account has not been changed and will remain on your credit report. 
I also received a dispute email telling me to Please contact credit grantor at XXXX which is not a valid reinvestigation result and violates FCRA 1681i ( a ). 

For XXXX XXXX account # XXXX, Experian issued the same Report # XXXX on XX/XX/year>, with the exact same response : The account has not been changed and will remain on your credit report. 
This is despite the fact that XXXX had already removed this account due to similar disputes and evidence. 

All three results lacked : Any explanation of what was verified A summary of the investigation procedures Disclosure of the furnisher 's response Documentation to justify Experian 's decision to continue reporting inaccurate information This demonstrates a pattern of willful negligence and stall tactics by Experian. These actions violate : FCRA 1681i ( a ) Failure to conduct a reasonable reinvestigation 1681i ( a ) ( 6 ) Failure to provide required reinvestigation results 1681e ( b ) Failure to maintain maximum possible accuracy 1681n and 1681o Willful and negligent noncompliance

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: GA

Complaint narrative:
XXXX XXXX I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: NJ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: FL

Complaint narrative:
I made multiple mobile payments to Capital One from my bank account. A {$90.00} payment on XX/XX/XXXX and a {$40.00} payment on XX/XX/XXXX were both pulled from my account but were later reversed as Returned Mobile XXXX XXXX XXXX 

I was charged a {$25.00} late fee and interest even though I made timely efforts to pay. I received no clear explanation from Capital One for why the payments were reversed. I have screenshots showing the withdrawals and the reversals.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Denali Capital Holdings, LLC
State: TX

Complaint narrative:
YOUR COMPLAINT I'm unaware of this debt and did not have the opportunity to dispute this account XXXX. If you believe you sent the proper notification, please provide " Certified Mail '' with receipt displaying my signiture. If not, please delete the account as soon as possibile from my Credit report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am filing a complaint regarding a collection account reported by XXXX ( account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) on behalf of XXXX XXXX at XXXX XXXX in the amount of {$1100.00}. 

This account is being reported on all three credit bureaus with inaccurate and misleading information. I am requesting that it be deleted from my credit report entirely. 

The date opened for this account is listed as XX/XX/XXXX on XXXX  and XX/XX/XXXX on XXXX  and XXXX. However, I moved out of the apartment in XX/XX/XXXX, and the debt originated before that time. Reporting this account as opened in XXXX is factually incorrect and appears to be a form of illegal re-aging, which violates the Fair Credit Reporting Act. 

The date of last activity is also inconsistent. XXXX  and XXXX  show XX/XX/XXXX, while XXXX  shows XX/XX/XXXX. There has been no activity on this account since XXXX. These dates make the account look more recent or active than it is, which is inaccurate. 

There is also another account from the same creditor reporting a balance of {$250.00}. It appears to be a reduced or adjusted amount from the original {$1100.00}. However, the reporting does not explain whether the {$250.00} is related to the same lease, a settlement, or a different unit. This creates confusion and makes it appear that I owe two separate debts when that may not be the case. The reporting is inconsistent and unclear. 

Because of the conflicting dates, misleading reporting, and the unclear relationship between these two accounts, I am requesting that both the {$1100.00} and the {$250.00} accounts be deleted from my credit reports in full. The reporting is confusing, inaccurate, and damaging, and it does not meet the standards of the Fair Credit Reporting Act. 

This account is not being reported in a clear, accurate, or fair way. It is harming my credit and violates the Fair Credit Reporting Acts requirement that all information be accurate and not misleading.

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 2025-07-18 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: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I am a victim of identity theft please remove and delete Aldous and associates from my credit report due to this fraudulent activity my credit report has been harmed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc . 
continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-07-18 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: MA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so 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 2025-07-18 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: TX

Complaint narrative:
I am submitting this complaint because the credit bureaus TransUnion, Experian, and Equifax continue to report inaccurate and unauthorized information on my credit reports, despite prior disputes. 

First, there is an account from XXXX XXXX XXXX marked as Paid Repossession which was fully paid and closed months ago. I previously disputed this entry, but the bureaus failed to correct or remove it. According to FCRA 611 ( 15 U.S.C. 1681i ), they are required to investigate and delete unverifiable or inaccurate information. Their inaction is a violation of my consumer rights. 

Second, there are multiple hard inquiries from auto dealerships and lenders dated from XXXX to XX/XX/year> that I did not authorize and that did not result in any credit relationship. These include XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, among others. Under FCRA 604, such inquiries require explicit consumer consent, which I did not give. 

These inaccuracies have harmed my credit score and I am requesting that the CFPB intervene to ensure : Removal of the XXXX XXXX XXXX repossession entry. 
Deletion of all unauthorized hard inquiries from all three bureaus. 
Confirmation in writing that these corrections have been made. 

I have attached my dispute letters, credit report excerpts, ID, and proof of residence for review.

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 2025-07-18 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: TX

Complaint narrative:
I am submitting this complaint because the credit bureaus TransUnion, Experian, and Equifax continue to report inaccurate and unauthorized information on my credit reports, despite prior disputes. 

First, there is an account from XXXX XXXX XXXX marked as Paid Repossession which was fully paid and closed months ago. I previously disputed this entry, but the bureaus failed to correct or remove it. According to FCRA 611 ( 15 U.S.C. 1681i ), they are required to investigate and delete unverifiable or inaccurate information. Their inaction is a violation of my consumer rights. 

Second, there are multiple hard inquiries from auto dealerships and lenders dated from XXXX to XX/XX/year> that I did not authorize and that did not result in any credit relationship. These include XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, among others. Under FCRA 604, such inquiries require explicit consumer consent, which I did not give. 

These inaccuracies have harmed my credit score and I am requesting that the CFPB intervene to ensure : Removal of the XXXX XXXX XXXX repossession entry. 
Deletion of all unauthorized hard inquiries from all three bureaus. 
Confirmation in writing that these corrections have been made. 

I have attached my dispute letters, credit report excerpts, ID, and proof of residence for review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: GA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: VT

Complaint narrative:
GM Rewards is violating its own terms of agreement on its GM Rewards Credit Card issued by Goldman Sachs. GM Rewards is saying talk to Goldman Sachs and Goldman Sachs is saying its GM rewards issue. I have notified both parties in XXXX, XXXX, XXXX, and XXXX multiple times they are in violation of their own program and owe me {$100.00} that was to be paid within 30 business days of spending {$1500.00} in fuel charges on the card during calendar year XXXX. That target was hit and I notified them I have not been paid and now they are refusing to pay it saying it should be fixed next statement period. Except 3 billing statements have been issues since I notified them. They then sold the portfolio to XXXX XXXX  so its clear to me this is fraud. They have no intention of paying the {$100.00} hence the blanant lying over and over on phone. refusal to let me to speak to a manager during business hours. Can not explain the issue. CFPB needs to do its JOB! THIS IS BLANTANT FRUAD!!!!!!!!!!!!! 

Concerning because they are essentially closing these cards with balances owed to the consumer! Then attempting to force you to open a new account with XXXX. I don't want to and shouldn't have to! I want the {$100.00} owed to me!!! 

This wouldn't be ok if I owed GM money!!!!!!!!!!!!

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report 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 explanation
Consumer complaint received 2025-07-19 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC
State: OH

Complaint narrative:
This company started contacting me on XX/XX/XXXX about a debt that was owed to XXXX in the amount of {$1800.00} an amount that was borrowed in XXXX of last year and has been paid in full but has since doubled in less than a year. This is a loan servicing debt recovery business that has been XXXX  me since they began contacting me. I responded to them immediately offering to pay {$700.00} that was offered by the initial company when we received a settlement from workers comp. The officer agreed as long as I included the settlement agreement from the company which I offered to send over immediately he told me to hold off until I could make the payment. The following days he messaged me and I responded and he never responded back. He then called my mom my sister my partner and business colleagues while I was in contact with him. He continues to say Im unresponsive and that hes going to escalate my situation. At this point it feels XXXX  and is most certainly XXXX.

Company response to consumer: Closed with explanation