vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 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: DE

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 2025-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: MARINER FINANCE, LLC
State: NC

Complaint narrative:
Mariner Finance put a second lien on my XXXX XXXX XXXX  that was being finance through XXXX XXXX XXXX XXXX. The vehicle was repossessed around XXXX of XXXX and sold/auctioned off on or around XX/XX/XXXX. XXXX XXXX XXXX XXXX sent me a deficiency balance document to which I gave to Mariner finance branch XXXX XXXX XXXX as well. I contacted XXXX XXXX XXXX XXXX to tell them to pay the second lien to Mariner finance. They informed me that Mariner finance shouldn't have put a second lien on the vehicle, which is illegal. Mariner finance headquarters was also contacting me via email and telephone nonstop after I told them not to

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year>, I made a XXXX XXXX credit card payment of {$4800.00} using my Capital One checking account. On XX/XX/year>, the payment was declined by Capital One with ACH return code XXXX ( Insufficient Funds ). XXXX XXXX confirmed they never received the funds and stated they can not trace the payment because it was rejected internally by Capital One before transmission. 

I called XXXX XXXX to ask if they could locate a trace ID. They told me they could not, because the XXXX return meant the transaction never entered their system. However, Capital One provided me with a PDF showing they had sent the payment, which conflicts with XXXX XXXX statement. Both banks are deflecting responsibility and refusing to resolve the issue. 

I emailed XXXX several times with supporting documents and requested that my claim be reopened, as the first one was closed without any communication or request for proof. Capital One later reopened it on XX/XX/year> and told me to wait another XXXX business days, but I am concerned it will be denied again. 

Because of this unresolved issue, I lost {$4800.00} and have incurred {$200.00} interest on my XXXX XXXX credit card. I am requesting that Capital One be required to properly investigate this matter under Regulation XXXX, refund the payment amount, and reimburse any fees and interest caused by this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
My father has passed away and I am his next of kin. I have tried to get information from his XXXX American Express account on how to obtain the funds from his account. The phone number for customer service is not reliable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
The existence of this account has caused me significant XXXX, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter serves as formal notice that I dispute the reporting of late payments on my consumer credit file related to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The alleged delinquencies occurred directly during and due to a federally declared natural disaster Texas Severe Storms, Straight-line Winds, and Flooding ( XXXX ) XXXX, which severely impacted my financial stability and ability to maintain timely payments.Under federal law, any information furnished and reported must be accurate and fairly represent a consumers situation. Reporting derogatory information caused by a verified disaster constitutes negligent and/or willful violations of : 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation after notice of a dispute 15 U.S.C. 1681s-2 ( a ) Furnishing information known to be inaccurate 15 U.S.C. 1681c Reporting harmful information under restricted circumstances 15 U.S.C. 1666b Obligations for proper and timely crediting of payments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: AR

Complaint narrative:
Since XXXX of this year, I have noticed several unauthorized inquiries on my credit report that were made to establish credit accounts. I have no knowledge of these inquiries, nor did I authorize them. I am requesting that these inquiries be investigated and removed from my credit file as they do not belong to me. 

The dates range from XX/XX/year> to XX/XX/year> The unauthorized inquiries are from the following institutions : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX inquiries )

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 2025-11-05 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: EQUIFAX, INC.
State: AR

Complaint narrative:
Since XXXX of this year, I have noticed several unauthorized inquiries on my credit report that were made to establish credit accounts. I have no knowledge of these inquiries, nor did I authorize them. I am requesting that these inquiries be investigated and removed from my credit file as they do not belong to me. 

The dates range from XX/XX/year> to XX/XX/year> The unauthorized inquiries are from the following institutions : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX inquiries )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: TX

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. CXX/XX/XXXXe XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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. CXX/XX/XXXXe XXXXe ) 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 2025-11-05 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:
Each of the XXXX nationwide credit reporting agencies ( Equifax, Experian, and TransUnion ) has reported inaccurate, unverifiable, and misleading information on my credit file. Despite my written requests dated XX/XX/year>, these agencies have failed to provide verification or remove the disputed items. 

These inaccuracies have caused significant emotional distress, mental anguish, humiliation, and economic harm, including denial of credit opportunities due to inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
Each of the XXXX nationwide credit reporting agencies ( Equifax, Experian, and TransUnion ) has reported inaccurate, unverifiable, and misleading information on my credit file. Despite my written requests dated XX/XX/year>, these agencies have failed to provide verification or remove the disputed items. 

These inaccuracies have caused significant emotional distress, mental anguish, humiliation, and economic harm, including denial of credit opportunities due to inaccurate 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 2025-11-05 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( [ XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I am trying to fix an issue I had with Bank of America back in 2022. I had an account with them and it was always in good standing and it was honestly a card my wife and I solemnly used. However, there was an instance where someone had made a purchase and we did not know. We didn't use the card and when we finally received notification we called and got current right away assuming it must have been a mistake on our end. However, after reviewing it we saw the charges on there were quite weird and I didn't recognize them and at that point we had already paid the account up and when I contacted Bank of America I did not find that the rep was being helpful and advised that I would have to dispute the information with the bureaus. I have done this multiple times and they have advised Bank of America is verifying the information. I am having a hard time with this because I do not feel as though this should affecting me when I did nothing wrong, I literally did not know that there was any balance on that card because my wife and I did not make those purchases but paid anyway.

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 2025-11-05 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: GA

Complaint narrative:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

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 2025-11-05 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: FL

Complaint narrative:
I am filing this formal dispute and legal demand regarding serious violations of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) by Experian. 

The information contained in my consumer credit files includes false, inaccurate, and misleading data that creates confusion regarding the validity of the account listed below. 
I did not authorize, permit, or consent to the reporting of this account, nor was I provided prior notice or an opportunity to object to its inclusion. 
This constitutes a direct violation of the FCRA and of the statutory duties imposed on consumer reporting agencies and furnishers of information. 

Despite having submitted a formal written dispute with complete documentation on XX/XX/XXXX, none of the bureaus conducted a reasonable reinvestigation nor corrected the inaccurate information. 
This ongoing failure to comply with federal law violates multiple provisions of the FCRA, including : 15 U.S.C. 1681i ( Section 611 ) : failure to conduct a reasonable reinvestigation of disputed information. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : prohibition on furnishing false or inaccurate information.

15 U.S.C. 1681c-2 ( Section 605B ) : requirement to block or delete unverifiable or unauthorized items upon receipt of proper dispute documentation. 

The continued presence of this inaccurate information in my credit reports from all three bureaus damages the integrity of my consumer file, prevents accurate assessment of my creditworthiness, and misrepresents my financial history. 

Federal courts have long recognized that failing to accurately update or mark disputed accounts violates the FCRA, including : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) The omission or continued reporting of disputed or unverifiable data constitutes an ongoing violation that causes measurable harm to my credit reputation and consumer rights.

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 2025-11-05 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: MD

Complaint narrative:
i have reviewed my credit report and found these unverified items. 
please remove, update or correct these items.

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 2025-11-05 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: GA

Complaint narrative:
The investigation did not fix an error on my credit report

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The investigation did not fix an error on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: LA

Complaint narrative:
I am disputing the following accounts listed under my TransUnion report. I respectfully request a thorough investigation of these accounts in line with the FCRA. If any information can not be verified, I request removal of the disputed items. 

CHARGED OFF XXXX XXXX, Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$630.00} XXXX XXXX, Account XXXX. XXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00} INQUIRIES XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTED/XXXX, Account No. 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 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: PA

Complaint narrative:
JEFFERSNCP is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSNCP is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: SC

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX for furnishing inaccurate and unverified payment history to the credit reporting agencies, in violation of the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 611 ( a ) ( 1 ), and 602 ( a ). 

On XX/XX/XXXX, I mailed XXXX XXXX XXXX XXXX a written Method of Verification request regarding my XXXX XXXX XXXX XXXX XXXX  account ( Account Number : XXXX ). 

My dispute concerns the months XX/XX/XXXX through XX/XX/XXXX, which are being reported as late or inaccurate on my credit reports. I requested documentation verifying each reported late payment and cited their obligations under the FCRA to ensure data accuracy and conduct proper reinvestigation. 

Despite my written request, XXXX XXXX XXXX XXXX has not provided any verification or documentation proving the accuracy of the reported late payments, nor have they corrected or updated the inaccurate information. 

Under FCRA 607 ( b ), furnishers must establish reasonable procedures to ensure maximum possible accuracy. Under FCRA 611 ( a ) ( 1 ), they must investigate and correct inaccuracies within 30 days. Additionally, FCRA 602 ( a ) emphasizes the importance of maintaining fair and accurate reporting systems for consumers. 

Their continued failure to verify or correct these disputed late payments violates these provisions and negatively impacts my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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 found incorrect details in my personal profile, including outdated or unfamiliar names, addresses, phone numbers, and employment history. Some of this information is not associated with me, and these inaccuracies could lead to misidentification or confusion with others. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my personal information. I am requesting a full investigation and prompt correction of these errors.

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