vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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:
Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: GA

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE.

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA.

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING.

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

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 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I received a letter in the mail from Capital One dated XX/XX/year> stating that they were processing my application for a Capital One Platinum card and needed more information from me ( a photo of a government ID ). I did not apply for this card, so I called Capital One customer service on XX/XX/year> and they said that they would cancel the application, and send out a fraud alert. I then called Experian, Equifax, and TransUnion to put a freeze on my credit reports and add fraud alerts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
upon checking my credit reports I noticed the following inaccurate late payment information reflecting on my consumer reports. 

XX/XX/year> This issue is causing undue stress, and it's negatively affecting my financial standing. I would like for someone to look into my account and attempt to reverse the 30 day late payment. The accounts are current and up to 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 explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Dave Operating, LLC
State: AZ

Complaint narrative:
I am filing a complaint against Dave Banking ( through XXXX XXXX XXXX XXXX  ) for placing an improper XXXX hold on a posted merchant refund, refusing to provide any legal basis for the hold, and refusing to provide written documentation as required under federal regulations. 

I paid a {$950.00} deposit to XXXX XXXX XXXX XXXX years ago. I cancelled my reservation on XX/XX/year>. XXXX processed the refund on XX/XX/year>, and it posted to my Dave account on XX/XX/year>. Immediately upon posting, Dave placed a hold for clearing on the refund as if it were a deposited check. This caused my available balance to decrease by another {$950.00}, making the refund inaccessible. 

This is not a pending transaction, a dispute, or a check deposit. It is a merchant refund, and holding a posted refund for 16 days is not permitted under Regulation E or the Expedited Funds Availability Act ( EFAA ).

I contacted Dave multiple times, including speaking with a supervisor on XX/XX/year>. The company was unable or unwilling to provide : Any written notice or explanation for the delay The legal or regulatory basis for the hold A valid reason why a posted refund is being held like a deposit Escalation to compliance or risk Confirmation that their process complies with federal funds-availability rules The supervisor stated that : He can not provide anything in writing He can not provide the legal reason for the hold Dave has no compliance department I must wait for internal review, which may take another 5 days This contradicts federal law. Banks can not delay access to a posted refund without written notice explaining the reason, and internal review is not a permitted justification under federal regulations.

This prolonged hold has created significant financial hardship. I am a single mother with a four-year-old child, and these funds were needed urgently. 

I have documentation of the refund, the posted transaction, and the cancellation confirmation and can provide these upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: PNC Bank N.A.
State: TX

Complaint narrative:
This account has been closed and charged off but this company are still illegally reporting negative items under my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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 not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal 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 2025-11-13 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-13 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-13 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: VA

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS. 
EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA. 
BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING. 
THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

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 2025-11-13 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:
please see attached documents pertaining to the XXXX  data breach

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 2025-11-13 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am submitting this complaint regarding inaccurate and unlawful reporting by XXXX  related to a charge-off/collection account from XXXX. The account is being reported with multiple derogatory marks, late payments, and a profit-and-loss write-off. I dispute the accuracy and legality of this reporting under federal consumer protection laws.Violation of 15 U.S. Code 1635 ( Right of Rescission ) Under 15 U.S.C. 1635, consumers have the right to rescind certain credit transactions when disclosures are not properly provided. I was never given the required clear disclosures or proper notice of my rights at the time this credit obligation was created. Because of the lack of required disclosures, I am exercising my right to rescind and dispute this account. Any further reporting of this account as a valid debt is improper and must be corrected or removed. Violation of 15 U.S. Code 1692g ( Debt Validation Requirements ) Under 15 U.S.C. 1692g, I have the right to receive proper validation of any alleged debt. I have not received any validation of this debt from the furnisher or any collector associated with this account. I was not provided : - A written notice of the debt, - The amount owed, - The name of the creditor, - Documentation showing how the amount was calculated, or- Proof that I am legally responsible for the debt. Because proper validation has not been provided, reporting this account to XXXX violates federal law. Inaccurate Credit Reporting The remarks on my credit report indicate : - Profit and loss write-off- Dispute resolvedsubscriber disagrees- Charge-off/collections status- XXXX, XXXX, XXXX day late payments These remarks remain even after my dispute, and they continue to be inaccurate, incomplete, and unverified. This violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires : - Maximum possible accuracy, - Removal of unverified information, and- Proper reinvestigation procedures. Request for CFPB Assistance I am requesting that the CFPB assist in requiring XXXX and the furnisher XXXX XXXX XXXX  XXXX. Provide full and complete validation of this account under 15 U.S.C. 1692g, or remove the account from my credit report.XXXX. Correct unlawful reporting tied to missing disclosures under 15 U.S.C. 1635.3. Remove all inaccurate remarks, charge-off status, late payments, and derogatory indicators that can not be verified with proper documentation.XXXX. Provide written confirmation once the corrections have been made.Thank you for your assistance in resolving these violations of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
A fire occurred at XXXX at XXXX XXXX on XX/XX/year>, causing a casualty loss that made the unit uninhabitable. 

Under Texas Property Code 92.054, this legally terminates the lease and releases the tenant from liability. 

Despite this, an eviction and related debts were reported inaccurately by the property/collections agents ( XXXX, XXXX ) These entries are false, misleading, and legally invalid because they arise from a casualty loss ( fire ). 

I am requesting permanent deletion of all eviction and collection entries associated with this incident. 

All evidence is attached, including the fire report, management letter, and documentation of displacement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: IL

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within XXXX days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute. 

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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:
XXXX XXXX inserted a collection account on my credit report that does NOT belong to me. I never received any notice, validation, or communication prior to the reporting, which violates FDCPA 15 USC 1692g and FCRA 15 USC 1681i & 1681e ( b ). 

This is the second time XXXX XXXX has placed a fraudulent, incorrect account on my credit report. This shows a pattern of reckless and negligent reporting. 

The account caused an immediate XXXX point drop to my credit score and blocked me from securing a home loan i worked so hard to get as a XXXX XXXX  of XXXX, creating financial damages. 

They also failed to provide the required reinsertion notice under FCRA 1681i ( a ) ( 5 ) ( B ), making the reporting illegal. 

I am requesting : Immediate deletion of the account from all bureaus Enforcement action due to repeated violations Review of their reporting practices This debt is not mine, has never belonged to me, and I want it permanently removed. 

Attached you'll see the old account the placed on my credit that they found out wasn't mine after I lost out on buying my dream vehicle at the time

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 2025-11-13 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:
XXXX XXXX inserted a collection account on my credit report that does NOT belong to me. I never received any notice, validation, or communication prior to the reporting, which violates FDCPA 15 USC 1692g and FCRA 15 USC 1681i & 1681e ( b ). 

This is the second time XXXX XXXX has placed a fraudulent, incorrect account on my credit report. This shows a pattern of reckless and negligent reporting. 

The account caused an immediate XXXX point drop to my credit score and blocked me from securing a home loan i worked so hard to get as a XXXX XXXX  of XXXX, creating financial damages. 

They also failed to provide the required reinsertion notice under FCRA 1681i ( a ) ( 5 ) ( B ), making the reporting illegal.

I am requesting : Immediate deletion of the account from all bureaus Enforcement action due to repeated violations Review of their reporting practices This debt is not mine, has never belonged to me, and I want it permanently removed. 

Attached you'll see the old account the placed on my credit that they found out wasn't mine after I lost out on buying my dream vehicle at the time

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 2025-11-13 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: IL

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute. 

It has been over 30 days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: NC

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report XXXX is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING 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