vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 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:
ACCORDING TO XXXX XXXX XXXX - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish any account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-04 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: CA

Complaint narrative:
ACCORDING TO XXXX XXXX XXXX - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish any account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-04 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:
I am filing a complaint against this company due to an unverified account on my credit report ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I don't know what this company is and there was never any correspondence sent to me about an alleged debt. Equifax is the only CRA reporting this erroneous account. Please see my Equifax data breach claim ID attached. My personal information was compromised, and this account may be a result of the data breach. I am requesting that this account is removed from my credit report while an investigation takes place per the FCRA. If all documentation can not be obtained and the balance is not accurate, this account is to be permanently deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under XXXX XXXX. XXXX, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements XXXX be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 2025-08-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Thaxton Investment Corporation
State: TX

Complaint narrative:
I am filing this formal complaint against Covington Credit for willfully and negligently violating federal consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Covington Credit is reporting a charged-off account ( original balance {$440.00} ) to the credit reporting agency XXXX  under account number XXXX, opened on XX/XX/year>, and reported as charged-off with a {$0.00} balanceyet the account remains classified as potentially negative and damaging to my consumer report. 

Legal Violations Cited : XXXX XXXX. XXXX ( b ) ( FDCPA Debt Validation Requirement ) : I submitted a timely Debt Validation Request to Covington Credit. They have failed to respond with proper verification or any documentation proving that the alleged debt is valid, accurate, or owed by me. They are continuing to furnish information to XXXX without validating the debt, in direct violation of federal law. 

XXXX XXXX. XXXX ( b ) ( FCRA Duties of Furnishers of XXXX ) : Covington Credit XXXX XXXX to investigate disputes when notified by a consumer reporting agency. Despite my formal dispute with XXXX, Covington Credit has failed to properly investigate, correct, or remove the account, and no proof of verification has been provided. 

XXXX XXXX. XXXX ( b ) ( FCRA XXXX Possible Accuracy ) : The account is listed with contradictory status indicators it reports a {$0.00} balance while still being marked as " charged-off '' and potentially negative. This is incomplete and misleading, failing to meet the standard of maximum possible accuracy as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
i have multiply inaccurate inquiries reporting on my consumer credit report from

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 2025-08-04 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: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Tax refund anticipation loan or check
Issue: Issues with repayment — 
Company: Block, Inc.
State: AZ

Complaint narrative:
XXXX and XXXX XXXX took out XXXX without my authorization from another bank I have and my name is XXXX XXXX XXXX and I cant get into my cash app so I don't know the account number as of right now but am asking cashapp to send that money back to my other bank account because I have short on my rent I have to pay by tomorrow

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: GA

Complaint narrative:
My name is XXXX XXXX and I am disputing a collection account reported by Credit Control , LLC. I have no prior relationship or agreement with this company, and I have never authorized or received services that would lead to this debt. This is a clear case of mistaken identity or reporting error. 

I requested proper validation under the FDCPA and FCRA laws, including a signed contract, itemization, and proof they have the right to collect on the debt. As of now, none of that has been provided. Yet they continue to attempt collection and possibly report to credit bureaus, which is a violation of : FDCPA 809 ( 15 U.S.C. 1692g ) No proper validation provided FCRA 623 ( 15 U.S.C. 1681s-2 ) Reporting unverified/inaccurate information FCRA 602 ( A ) Lack of accuracy and consumer protection Additionally, I request your office to ensure this account is removed from all credit bureaus and any third-party data aggregators or resellers. I also ask that Credit Control , LLC be held accountable for any illegal collection or inaccurate reporting. 

Thank you for your attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX, 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 2025-08-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Re Complaint - XXXX Capital Ones response does not fully address my original dispute. 

My complaint is not simply about whether the late payments were accurate, but whether they were lawfully reported under 15 U.S.C. 1681s-2 ( a ) ( 7 ) of the Fair Credit Reporting Act. Under this statute, a furnisher of negative information must provide the consumer with written notice before furnishing the negative data to the credit bureaus. 

Capital Ones response does not confirm whether such notice was ever sent nor does it provide proof of written notice being sent prior to the reporting of the late payments. Referring to their credit agreement does not substitute for complying with this legal notice requirement. 

I respectfully request that the CFPB re-review this complaint in light of Capital Ones failure to respond to the actual legal issue raised. 

If the furnisher can not provide the required notice or documentation of it, the reported delinquencies should be removed from my credit report to remain in compliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: PA

Complaint narrative:
I reviewed my credit report and found several negative accounts being reported that I believe are inaccurate, unverifiable, or outdated. I contacted the credit bureaus directly and formally disputed this accounts. Despite my good-faith efforts, the bureaus failed to provide proper verification or remove these items. Some may be duplicates, and others may lack proper documentation. I'm not receiving a proper resolution, and my credit is being harmed unfairly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: IL

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I been a customer with Citibank about since XXXX  I feel frustraded since then never approved me a credit card I recently I have a problem with family member in my country where do I ask for a loan of {$20000.00} I know I don't have the best credit report I know my credit is XXXX right now but Citibank has my direct deposit from my job XXXX can support me I have my retirement account with them so I request for loan and they denied because I don't have a best credit I told them I know that I the only who will affecting on that if I will not paid the loan if they approved, I open about 2 years account with XXXX XXXX XXXX XXXX and very nice they will approved me a loan of {$10000.00} XXXX tell no because I need {$20000.00} they run the same report how can they will approved but Citibank no I call customer services to see if they can help me as a lloyalty customer trying to help me I ask for supervisor and they said they don't have I ask for the name of the supervisor they don't have I ask how can they said a machine is the XXXX approved loan doesn't matter if you talk with somebody that's for me is totally rude of them said that is not human been they can help a customer request I told pide that's the person who I talk I select XXXX  option I don't get why is the point nobody is available in XXXX  so why they offer something that they can not help you, as well when I call to try to take out my retirement money to transfer to another bank what they tell me I need to paid {$75.00} and notarized {$15.00} a document as well that's ridiculous I ask for somebody in Spanish as well they don't have nobody is so frustrated as a XXXX XXXX  those XXXX people they don't speak XXXX means they will take advantages of them I totally disappointed in how can not help a customer who was with them for how long you go to their branhes no parking, they don't have enough money, if you don't have more than {$2000.00} they don't even greet you but if you have over {$2000.00} they almost kiss your but sorry to express like that but is so frustrated with this bank like I said I know I don't have a perfect credit I understand that. 
I hope you guys can help me and heard my frustration that I have with Citibank. 
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 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/year> Midland Credit Management XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Response to CFPB Complaint Dispute and Request for Validation Accounts : XXXX, XXXX, XXXX, XXXX To Whom It May Concern : This letter is in response to your correspondence dated [ Insert date of their response ], regarding the XXXX accounts you claim to own in my name. I appreciate your acknowledgment of the complaint filed through the Consumer Financial Protection Bureau ( CFPB ). However, I am writing to formally dispute these alleged debts and request full validation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g. 
Specifically, I request the following : XXXX. A full itemization of each account, including the original creditor, the full account numbers, the date of charge-off, and how the amounts were calculated. 
XXXX. A complete copy of the original signed contract or agreement that you claim created a legal obligation to repay the debt. 
XXXX. Documentation that you have the legal right to collect on these accounts, including proof of the purchase/assignment from the original creditor. 
XXXX. Any supporting documentation that shows I am legally responsible for these debts, especially if you are reporting them to any consumer reporting agencies. 
XXXX. Confirmation of the statute of limitations on collecting these alleged debts in my state. 
Until you provide the above documentation, I do not acknowledge or accept responsibility for any of the accounts you reference. If you are unable to provide adequate validation, I request that you cease all collection activity and remove any reporting of these accounts from any consumer credit reporting agency to which you may have furnished information. 
Please note that I am keeping a detailed record of all communications regarding this matter for future reference. Any further collection activity without proper validation may be considered a violation of the FDCPA and reported to the appropriate regulatory authorities. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
XXXX XXXX XXXX Recently, I attempted to use my XXXX XXXX Card to do a transaction and transfer funds. Unfortunately, the transactions were unsuccessful. Currently, I have a balance of {$150.00} dollars of my money that I can not access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: Larry H. Miller Group of Companies
State: IN

Complaint narrative:
XXXX XXXX claims the loan was written off several years ago so used as a tax write off. I never received the XXXX for my income purposes nor was I informed until very recently. This loan was from XX/XX/XXXX vehicle totaled on accident XX/XX/XXXX. Turned in claim to XXXX insurance that was purchased with the vehicle. Ive been under the impression the insurance I was sold that covers total loss took care of the loan, until I recently received a subpoena for loan amount and interest I had no clue was still even open. I never received a XXXX and they are trying to sue me for full amount of contact plus interest. This is fraud and has severely hindered my credit scores for neglect on their part. I will be seeking damages in counter claim and this fraudulently information should be removed from my report under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and XXXX  that you couldn't put on the FTc report ). Please see the attached file.

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 2025-08-04 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: PA

Complaint narrative:
I am formally demanding immediate action regarding multiple unauthorized inquiries on my credit report, which have caused direct harm to both my credit and credit score. I previously contacted your agency and was assured these inquiries would be removed. That promise has not been honored, and the inquiries remain. This failure to act is unacceptable. 

The ongoing presence of these unauthorized and potentially fraudulent entries is deeply concerning and raises serious concerns of identity theft. This unresolved issue is inflicting continued emotional and financial 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