vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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: VA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and are a result of fraud that I did not authorize. 

Please review the attached letter for further details. Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hello, XXXX writing because I had a Capital One XXXX card that was closed due to fraudulent activity. After reviewing my past statements more closely, I discovered that the charges were made by my younger relatives, who used my card without permission after I lost it at their house. 

To make matters worse, I later realized my payments were on auto-pay. So when there were insufficient funds, Capital One kept attempting to pull payments leading to bounced transactions and worsening my account history, which I had no control over during the fraud period. 

When I called Capital One to report the situation and ask for assistance, I was told nothing could be done. Even upper management offered no solution, despite the fact that this card was meant for school emergencies. I was extremely disappointed by the lack of support. 

Afterward, I attempted to reapply for a card with better security measures in place. My application was denied due to high usage and account history which were both directly tied to the fraud that Capital One refused to resolve. 

I am requesting a full review of this situation. Its unacceptable that I was left with the consequences of unauthorized usage, denied a second chance to rebuild credit, and continue receiving pre-approval offers that Im supposedly not even eligible for. 

Please have someone review this case and contact me with a solution. 

I lost my XXXX  card in XXXX and the transactions was made in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
All statement balances paid down to {$0.00} before the closing date and statement due date. Suddenly theres an interest charge of over {$260.00}. 
Speaking to XXXX at Chase Card Services in Florida who was extremely hostile and rude when asked where XXXX able to check on this constant incurring charge. She said I need to do the calculations to work it out myself and I quote everyone knows this. 
There is no way for me to actually check Chases active charges of interest even when XXXX shown on my portals my payments are completely paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: PA

Complaint narrative:
The consumer reporting agency is willfully and negligently failing to comply with the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S.C. 1681c-2 ], by continuing to report fraudulent accounts and identity theft-related information on my credit file. Despite being provided with an Identity Theft Report, proof of identity, and a formal request for removal, the agency has failed to take action within the required timeframe. This constitutes a violation of my consumer rights and has resulted in ongoing financial and reputational harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: PA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus XXXX take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is XXXX XXXX XXXX involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
My car completely quit, I am a mother of XXXX children separated ; and working as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I never dealt with purchasing a car in my life, I was nervous and XXXX  and too trusting. On Saturday, XXXX XXXX I went to the dealership and told them my situation. I couldn't afford much, and they directed me to the used car section. I signed the paperwork and left. I returned to the dealership around XXXX because my dashboard looked like a XXXX tree. XXXX told me he was leaving, as the dealership closed at XXXX, but would help in any way come Monday. I returned on Monday, XX/XX/XXXX, around XXXX XXXX XXXX I let them know about the denial letters and phone call I received for the XXXX XXXX. As XXXX promised to help me, I thought he was doing that, but I found out in the long run I was too trusting with this being my first experience. They helped me get into a XXXX XXXX XXXX. I left the XXXX and keys with XXXX at the dealership. I then got more denial letters from many different banks about the XXXX. On XXXX XXXX I got a statement from Truist Bank that they had a loan had gone through for the XXXX XXXX. I contacted Truist Bank XXXX and explained the situation and that I wouldn't be able to pay XXXX car payments. They were helpful and suggest that I write the XXXX credit bureaus and the XXXX  and explain my situation. The dealership called me and told me to pick up my XXXX or they would charge me storage. In a document I received from Truist Bank the Dealership told Truist Bank that I parked the XXXX at their dealership and they had no idea when I parked it there. As you can see anyone in my shoes would assume that the loan did NOT go through with this many denial letters and after returning the XXXX and driving away in a XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute an unauthorized hard inquiry that has appeared on my credit report. I have never done business with, applied for credit from, or provided permission to the entity responsible for this inquiry.

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 2025-07-15 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: FL

Complaint narrative:
I overpaid my mortgage and split payments up to be received every XXXX weeks. I paid more than what was due and the mortgage company accrual processed them as late. As soon as I realized the way they were accruing them I paid XXXX lump sum to avoid this. My payments were timely, see attachments and I am not even sure why they accrued that way or showed up as late/ unpaid. For XXXX payment {$2000.00} was paid XX/XX/XXXX and XX/XX/XXXX. For XXXX payment {$4000.00} XX/XX/XXXX and an additional payment was paid XX/XX/XXXX. For XXXX payment, {$4000.00} was paid on XX/XX/XXXX. For XXXX payment, {$4000.00} was paid on XX/XX/XXXX. My credit report does not reflect this, see attached. The credit report shows late for XXXX XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I overpaid my mortgage and split payments up to be received every XXXX weeks. I paid more than what was due and the mortgage company accrual processed them as late. As soon as I realized the way they were accruing them I paid XXXX lump sum to avoid this. My payments were timely, see attachments and I am not even sure why they accrued that way or showed up as late/ unpaid. For XXXX payment {$2000.00} was paid XX/XX/XXXX and XX/XX/XXXX. For XXXX payment {$4000.00} XX/XX/XXXX and an additional payment was paid XX/XX/XXXX. For XXXX payment, {$4000.00} was paid on XX/XX/XXXX. For XXXX payment, {$4000.00} was paid on XX/XX/XXXX. My credit report does not reflect this, see attached. The credit report shows late for XXXX XXXX and 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 2025-07-15 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: VA

Complaint narrative:
The consumer reporting agency is willfully and negligently failing to comply with the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S.C. 1681c-2 ], by continuing to report fraudulent accounts and identity theft-related information on my credit file. Despite being provided with an Identity Theft Report, proof of identity, and a formal request for removal, the agency has failed to take action within the required timeframe. This constitutes a violation of my consumer rights and has resulted in ongoing financial and reputational harm.

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 2025-07-15 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: PA

Complaint narrative:
The consumer reporting agency is willfully and negligently failing to comply with the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S.C. 1681c-2 ], by continuing to report fraudulent accounts and identity theft-related information on my credit file. Despite being provided with an Identity Theft Report, proof of identity, and a formal request for removal, the agency has failed to take action within the required timeframe. This constitutes a violation of my consumer rights and has resulted in ongoing financial and reputational harm.

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 2025-07-15 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: FL

Complaint narrative:
I am submitting this response to address the stall tactics being used to delay the resolution of my dispute. I have already provided sufficient information to support my claim, and the companys attempts to question my authorization or request redundant documentation are baseless. I respectfully request that the CFPB intervene to ensure a timely and fair resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I previously disputed several inaccurate late payments being reported on my XXXX  credit report from the following furnishers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX separate accounts ). I was never notified in advance of any due dates or potential late payments, which denied me a fair chance to resolve these issues before they were reported. Despite my dispute and the legal obligations under the Fair Credit Reporting Act ( FCRA ), XXXX  failed to properly investigate or remove the inaccurate entries. This failure to act is in direct violation of FCRA 1681e ( b ), 1681s-2 ( a ) ( 1 ) ( A ), and 1681i ( a ), and I have now filed a formal complaint with the CFPB.

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 2025-07-15 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: NC

Complaint narrative:
The consumer reporting agency is willfully and negligently failing to comply with the Fair Credit Reporting Act ( FCRA ), particularly Section XXXX [ XXXX XXXX. XXXX ], by continuing to report fraudulent accounts and identity theft-related information on my credit file. Despite being provided with an Identity Theft Report, proof of identity, and a formal request for removal, the agency has failed to take action within the required timeframe. This constitutes a violation of my consumer rights and has resulted in ongoing financial and reputational harm.

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 2025-07-15 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus XXXX take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is XXXX XXXX XXXX involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Mid-Atlantic Finance Co., Inc.
State: FL

Complaint narrative:
On XX/XX/year>, MidAtlantic Finance issued a letter regarding the repossession of my vehicle. However, I only received this letter on XX/XX/XXXX, after the vehicle had already been taken and sent to auction. There was no prior written communication informing me of the repossession, which is a clear failure in required notification procedures. 

On the morning of XX/XX/XXXX, I noticed my vehicle was missing and immediately contacted the bank to confirm whether it had been repossessed or stolen since I had not received any formal communication. A representative confirmed the repossession and offered a reinstatement plan : I could redeem the vehicle by paying {$1200.00}, with the option to pay {$600.00} by XX/XX/XXXX and the remaining balance by XX/XX/XXXX. I accepted this agreement and paid the first part within the agreed timeframe. 

However, on XX/XX/XXXX, when I arrived at the agency to deliver the key and retrieve my personal belongings, I was informed the vehicle had already been sent to auction, before the agreed deadline, and without notice. I was only given a few unrelated items : the license plate, a DMV document, a pillow that wasnt mine, and a few papers. My actual belongings including tools, personal documents, a gold chain, and fishing equipment were not returned. 

I was pressured to sign a document saying I had received all my belongings before anything had even been shown to me. When I refused, an employee became aggressive and threatened to call the police. I remained calm. A manager then came out and explained that the vehicle was no longer at the location. I immediately called the bank again and put them in contact with the agency. 

Instead of taking responsibility, the bank blamed the repossession agency for the missing items and shifted the burden onto me to try and recover them. I was told I should travel to the auction site nearly two hours from my home, without a vehicle, and without a key ( since I had already handed it over ) to attempt to locate the vehicle and retrieve what was lost. 

I refused. I do not have a vehicle to travel, I do not have a spare key, and I do not even know the exact location of the vehicle beyond the address they sent. They simply forwarded me a location and left it up to me, saying it was now between me and the agency. 

I had made it very clear that I was willing to follow the agreement, pay the amount, and reclaim my car. But the car was accessed, stripped of my belongings, and moved to an auction in another city all without consulting me. And now, the company is placing all the responsibility on me. 

I am no longer interested in this vehicle. The bank failed to send timely notice, broke the agreement they themselves offered, and failed to protect my property. I demand that this contract be terminated with no penalties and that my credit score be protected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: NC

Complaint narrative:
The consumer reporting agency is willfully and negligently failing to comply with the Fair Credit Reporting Act ( FCRA ), particularly Section XXXX [ XXXX XXXX. XXXX ], by continuing to report fraudulent accounts and identity theft-related information on my credit file. Despite being provided with an Identity Theft Report, proof of identity, and a formal request for removal, the agency has failed to take action within the required timeframe. This constitutes a violation of my consumer rights and has resulted in ongoing financial and reputational harm.

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