vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LOBEL FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Email : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Subject : Formal Dispute of Erroneous Contract and Request for Repossession Removal Dear Sir or Madam, I am writing to formally dispute the validity of a contract associated with the purchase of a XXXX XXXX XXXX from a dealership in XXXX, Florida, in the name of my son, XXXX XXXX. I wish to bring to your attention that I never signed any paperwork related to this transaction, nor did I authorize the dealership to use my personal information in connection with it. The dealership does not possess any document bearing my wet signature. Under Florida law, this renders the contract null and void, as it constitutes a clear breach of contract. Furthermore, the dealerships decision to pull my credit report without my explicit consent is fraudulent and violates my rights under federal and state law. This situation falls under unfair and deceptive trade practices, as it involves a deceptive attempt to obtain consumer consent and signature without following proper legal protocols. These actions are prohibited under the Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ). During the purchase process, my son contacted me to ask if I would co-sign for him. I verbally agreed on the condition that the vehicle was in excellent condition. However, since I reside in XXXX, Florida, and the vehicle was located in XXXX, I was unable to inspect the car personally. Despite this, I never signed any contracts or received any documentationvia email, mail, or otherwiseconfirming my involvement in this purchase. Since the acquisition of the vehicle, it has broken down, resulting in a repossession. I now face significant financial and credit-related consequences for a transaction that I did not authorize and for which I never provided a valid signature. Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) and 1681e ( b ), I formally request that the Consumer Financial Protection Bureau investigate the repossession entries and related credit reporting associated with this account. If the dealership can not provide legitimate documentation proving my consent and wet signature, I request the immediate removal of all negative and inaccurate entries from my credit report.I appreciate your prompt attention to this serious matter and look forward to your assistance in resolving this issue. Please confirm receipt of this dispute and provide information on the next steps in the investigation process. Thank you for your time and consideration. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-23 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:
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 2025-10-23 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: NC

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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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:
Charge-off dispute letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SSN ( last 4 digits ) : XXXX Date : XX/XX/XXXX To : Experian / Equifax / TransUnion Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Charge-Off Account Not My Account ( FCRA 611 Reinvestigation Request ) Dear transunion, experian, Equifax I recently reviewed my credit report and discovered an account that is being reported as a charge-off which I do not recognize. The details are as follows : Creditor Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$300.00} I am formally disputing this account because it does not belong to me. I have never opened, authorized, or held any account with this creditor, and I have no knowledge of this debt. 

Under the Fair Credit Reporting Act ( FCRA ) 611, I request that you conduct a reinvestigation of this entry. Please verify the accuracy of the information with the furnisher of the data. If the creditor can not provide documentation proving that I am responsible for this account, this charge-off must be removed from my credit report immediately. 

Enclosed are copies of my government-issued ID and proof of current address for identity verification. 

Please send me written confirmation of the outcome of your investigation and an updated copy of my credit report once this matter is resolved. 

Thank you for your prompt attention. 

Sincerely, 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 2025-10-22 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: NC

Complaint narrative:
Charge-off dispute letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SSN ( last 4 digits ) : XXXX Date : XX/XX/XXXX To : Experian / Equifax / TransUnion Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Charge-Off Account Not My Account ( FCRA 611 Reinvestigation Request ) Dear transunion, experian, Equifax I recently reviewed my credit report and discovered an account that is being reported as a charge-off which I do not recognize. The details are as follows : Creditor Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$300.00} I am formally disputing this account because it does not belong to me. I have never opened, authorized, or held any account with this creditor, and I have no knowledge of this debt. 

Under the Fair Credit Reporting Act ( FCRA ) 611, I request that you conduct a reinvestigation of this entry. Please verify the accuracy of the information with the furnisher of the data. If the creditor can not provide documentation proving that I am responsible for this account, this charge-off must be removed from my credit report immediately. 

Enclosed are copies of my government-issued ID and proof of current address for identity verification. 

Please send me written confirmation of the outcome of your investigation and an updated copy of my credit report once this matter is resolved. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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:
XXXX XXXX XXXX XXXX ( XXXX ) reported a charge-off to TransUnion that XXXX false and inaccurate. At the end of my lease, XXXX attempted to charge me {$690.00} for excess wear, but I had already paid for the Excess Wear and Use Protection Addendum at the time of signing my lease. This protection plan clearly states that it covers and waives excess wear charges up to the agreed amount. I have proof of this payment, included in the attached documentation. 

Despite this, XXXX wrongfully reported a balance and TransUnion added a charge-off to my credit report without verifying the validity of the debt. I submitted a dispute through TransUnion and provided clear documentary evidence that the charge was invalid, including the signed Excess Wear Protection Addendum. However, TransUnion failed to conduct a reasonable investigation as required under FCRA 611 and ignored the evidence that I submitted. They closed the dispute stating that the information was verified, yet no proof of validation was provided as required by FCRA 609. 

This is negligence by TransUnion and a violation of the Fair Credit Reporting Act, including failure to ensure maximum possible accuracy ( FCRA 607 ( b ) ) and failure to properly reinvestigate a disputed account ( FCRA 611 ). As a result of their wrongful reporting, my credit score dropped significantly and I suffered financial harm.

If the furnisher can not provide original, signed, and itemized documentation validating this alleged debt, this account must be deleted from my TransUnion credit report immediately as required by federal law. I request immediate removal of this inaccurate charge-off, a full reinvestigation, and written confirmation of the correction.

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 2025-10-23 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: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Complaint Against : Capital One Summary of Issue : On XX/XX/year>, I submitted my bank statements to Capital One for review. I was told it would take XXXX business days. It has now been over XXXX weeks, and my issue remains unresolved. 

I clearly informed Capital One that I can only take calls after XXXX PM XXXX due to my work schedule ( XXXX XXXX PM XXXX ). The company has ignored this repeated request, showing a complete lack of respect for customer time and communication preferences. 

On XX/XX/year>, I spoke with Agent XXXX ( Worker ID : XXXX ) and his manager. Both refused to assist me, repeatedly told me to just wait, and offered no meaningful help. Their dismissive and unprofessional behavior demonstrates a serious lack of accountability and customer service training. 

Additionally, during the week of XX/XX/year>, another Capital One agent demanded my account number to verify my identity. I explained that I was uncomfortable sharing sensitive information over the phone due to scam risks and requested another verification method. The agent refused to offer any alternative, which is unacceptable and unsafe. 

This pattern of neglect and refusal to assist customers properly shows a breakdown in Capital Ones internal service standards and security practices. The employees mentioned failed to uphold basic customer care responsibilities and disregarded consumer protection expectations. 

Requested Resolution : I request that the CFPB investigate Capital One for poor customer service, mishandling of sensitive account information, and failure to provide secure verification options. I also request disciplinary review for Agent XXXX ( Worker ID : XXXX ) and his manager for their negligence, dismissive conduct, and refusal to resolve my issue. Capital One must contact me after XXXX XXXX XXXX to finalize the review of my bank statements immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX # XXXX -Date Opened XX/XX/XXXX -Balance {$200.00} XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX -Balance {$280.00} XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX -Balance {$1700.00} XXXX XXXX XXXXXXXX -Date Opened XX/XX/XXXX -Balance {$470.00} XXXX XXXX XXXXXXXX -Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX -Date Opened XX/XX/XXXX -Balance {$16000.00} UNAUTHORIZED INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company 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 2025-10-22 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 have sent SEVERAL messages to the Bureaus about this account XXXX CARD Account number XXXX. Date opened XX/XX/year> I'm extremely MAD because they are reporting a FALSE LATE PAYMENT. I Have sent several letters explaining that this is False, with proof of the payment on the XXXX CREDIT CARD WEBSITE. They are Violating FCRA 611 ( 15 U.S.C. 1681i ). I have attached proof of the payment made on time for the month of XXXX XXXX and Proof of the LAST 2 LETTERS SENT with no response from them. I NEED THIS LATE PAYMENT REMOVED 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 2025-10-22 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 have sent SEVERAL messages to the Bureaus about this account XXXX CARD Account number XXXX. Date opened XX/XX/year> I'm extremely MAD because they are reporting a FALSE LATE PAYMENT. I Have sent several letters explaining that this is False, with proof of the payment on the XXXX CREDIT CARD WEBSITE. They are Violating FCRA 611 ( 15 U.S.C. 1681i ). I have attached proof of the payment made on time for the month of XXXX XXXX and Proof of the LAST 2 LETTERS SENT with no response from them. I NEED THIS LATE PAYMENT REMOVED FROM MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
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 2025-10-22 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: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Reported XXXX Credit Card Accounts to Transunion, XXXX  and Experian as not my Accounts. Only Transunion Removed errors. I requested removal of the Accounts or proof that the accounts were not for XXXX XXXX XXXX or some other XXXX XXXX and actually Accounts for XXXX XXXX XXXX. The credit reporting agencies responded claiming all disputed credit cards ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ), and XXXX XXXX collection was investigated and was accurate to include an unidentified Bank Loan. Fact that information could be for XXXX XXXX XXXX and some other XXXX XXXX but not XXXX XXXX XXXX was given no attention by any responding credit reporting agencies with the exception of Transunion. Now even Transunion has started reporting XXXX XXXX XXXX and XXXX XXXX again in error as my accounts

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