vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 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: NV

Complaint narrative:
I am submitting this complaint against TransUnion for failing to comply with the provisions of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) in relation to their improper handling of a dispute I submitted regarding the following account : Account Name : XXXX XXXXXXXX Account Number : XXXX * * * * * * Disputed Information : [ e.g., incorrect balance, wrong account status, inaccurate payment history ] Although I received a response claiming that the information was verified, significant inaccuracies remain unresolved. I request a more thorough investigation that addresses the following legal and factual concerns : Grounds for Dispute and Legal Violations : Inconsistencies among bureaus : The reported information on this account differs across the three major credit bureaus, including discrepancies such as [ list inconsistencies : dates, balances, account status ]. 
Lack of original documentation verification ( 15 U.S.C. 609 ( a ) ( 1 ) ( A ) ) : Under the FCRA, the agency is required to verify reported information using the original signed consumer contract. This documentation has not been provided.

Right to proper investigation ( 15 U.S.C. 1681i ) : The bureau failed to conduct a complete and reasonable investigation within the XXXX legal window. The results provided were inadequate and did not address my concerns. 
Inadequate compliance procedures ( 15 U.S.C. 1681e ( b ) ) : The bureau has not demonstrated that it uses reasonable procedures to ensure the maximum possible accuracy of the information in my report.

Obligations of data furnishers ( 15 U.S.C. 1681s-2 ) : The original creditor did not properly investigate or correct the disputed information after being notified, as required by law.

Lack of transparency and accuracy ( TILA 15 U.S.C. 1601 ) : The reported information lacks accuracy and transparency, violating my consumer rights under TILA. 
Non-compliance with XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX : This law outlines the procedures required to remove inaccurate or incomplete information. The bureaus response did not meet these standards. 
15 U.S.C. 1681i ( 7 ) : I have not received a detailed explanation of the investigation methods used, which should be provided within XXXX days of receiving a consumer dispute. 
Unverified public record : Under the FCRA, no public record may be reported without physical verification ( i.e., signed contract or court judgment ). Due to lack of verification, I request the immediate deletion of this account.

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 2025-07-08 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: MI

Complaint narrative:
Complainant : XXXX XXXX XXXX Subject : Failure to Verify or Remove Inaccurate Information on My Credit Report Filed Under : Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, 1681e ( b ), 1681n, 1681o I, XXXX XXXX XXXX, am filing this complaint to report the credit reporting agency 's failure to properly investigate, verify, or remove inaccurate and unauthorized information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ).

Under 15 U.S.C. 1681i ( 7 ), I have the right to receive a detailed description of the reinvestigation procedures used to verify disputed information. Despite my previous dispute, I have not received a valid response nor the required documentation. I am requesting this complaint be used to prompt formal action and oversight.

Disputed Items : Unauthorized Inquiries : XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX These inquiries were not authorized by me and should be removed immediately.

Charge-Off Accounts : XXXX. XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal Information : XXXX. Employer : XXXXXXXX XXXX XXXX XXXX XXXX. Employer : XXXX XXXX XXXX The above employment records are not accurate and should be removed from my 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 2025-07-08 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: MI

Complaint narrative:
Complainant : XXXX XXXX XXXX Subject : Failure to Verify or Remove Inaccurate Information on My Credit Report Filed Under : Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, 1681e ( b ), 1681n, 1681o I, XXXX XXXX XXXX, am filing this complaint to report the credit reporting agency 's failure to properly investigate, verify, or remove inaccurate and unauthorized information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ).

Under 15 U.S.C. 1681i ( 7 ), I have the right to receive a detailed description of the reinvestigation procedures used to verify disputed information. Despite my previous dispute, I have not received a valid response nor the required documentation. I am requesting this complaint be used to prompt formal action and oversight.

Disputed Items : Unauthorized Inquiries : XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX These inquiries were not authorized by me and should be removed immediately.

Charge-Off Accounts : XXXX. XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal Information : XXXX. Employer : XXXXXXXX XXXX XXXX XXXX XXXX. Employer : XXXX XXXX XXXX The above employment records are not accurate and should be removed from my 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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My XXXX XXXX XXXX  XXXX is incorrectly reporting on my TransUnion and Equifax account . It shows a balance of {$3000.00} as of XX/XX/year> and has not updated since then. I have paid the balance down to below {$400.00} and it has not been reported. I am going for a mortgage and can not have incorrect high usage being reported on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
On XX/XX/XXXX, I went to XXXX to rent and pick up a car. Before receiving the car, I provided XXXX with all my information and in the same way, I was informed of the price of the vehicle and signed the contract. 
On XX/XX/XXXX, I went to return the car. They inspected the vehicle and confirmed that it was in the same condition as we received it on XX/XX/XXXX and that no further charges were to be incurred. When I went to pay, I was informed that the total price was higher than that of the original contract. The original XX/XX/XXXX contract had a daily vehicle price for {$27.00} per day. The final receipt charged for {$59.00} instead. Because of this, I was overcharged for a total of {$240.00}. This charge posted under XXXX XXXX XXXX XXXX billed on XX/XX/XXXX. 

I contacted XXXXXXXX XXXX XXXX and they did not resolve the issue so I contacted the credit card that was charged, Capital One Credit Card. On XX/XX/XXXX, I submitted the dispute for the overcharge with all supporting documents ( attached ). On XX/XX/XXXX Capital One closed the dispute due to lack of documentation and did not refund the money. I contacted Capital One and the dispute was reopened soon after that. On XX/XX/XXXX I received another other letter closing the dispute due to not receiving a response to their request for more documents ( there are none, they already had the original contract and the final receipt showing the discrepancy ). 

Capital One dispute agents either lack the the basic ability to read and/or do basic math or are not in the business of actually acting on behalf of customers in regards to disputes. 

Please see the attached original letter sent to Capital One on XX/XX/XXXX explaining everything in detail ( date is incorrect on the top of the letter/ should've been XX/XX/XXXX instead of XXXX XXXX ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-08 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: NV

Complaint narrative:
Complainant : XXXX XXXX Subject : Dispute of Inaccurate Credit Report Information and Request for Full Reinvestigation Filed Under : Fair Credit Reporting Act ( FCRA ) XXXX U.S.C. XXXX, XXXX ( b ), XXXX I, XXXX XXXX, am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding numerous inaccuracies I found in my credit report after obtaining a copy from XXXX. This complaint seeks enforcement of my rights under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX, XXXX ( b ), and XXXX. 

This is not a generic dispute. I personally submitted a comprehensive dispute packageincluding valid identification and supporting documentationand I am demanding a full, good-faith reinvestigation and correction of all items listed below. I also request disclosure of the procedures used to verify the information in question. 

Disputed Items Incorrect Personal Information : Previous Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX Unverified or Inaccurate Accounts : Collection XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off XXXX XXXX XXXX Acct XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off XXXX XXXX XXXX Acct XXXX : XXXXXXXX XXXX XXXX XXXX XXXX Late Payment XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment Sun Loan XXXX XXXX XXXX Acct XXXX : XXXXXXXX XXXX XXXX XXXX XXXX Charge Off XXXX Acct # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off XXXX XXXX # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment XXXX  Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment XXXXI Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts and inquiries appear to be either inaccurate, unverifiable, or outdated. Under XXXX XXXX. XXXX ( a ) ( XXXX ), all such data must be corrected or deleted if it can not be fully verified. 

FCRA Violations at XXXX  XXXX XXXX. XXXX ( b ) : Failure to follow reasonable procedures to ensure maximum possible accuracy. 

XXXX XXXX. XXXX ( a ) ( XXXX ) : Failure to conduct a reasonable and complete reinvestigation. 

XXXX XXXX. XXXX ( a ) ( XXXX ) : Failure to provide method of verification when requested. 

XXXX XXXX. XXXX : Failure to provide a complete consumer file disclosure.

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 2025-07-08 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: NV

Complaint narrative:
Complainant : XXXX XXXX Subject : Dispute of Inaccurate Credit Report Information and Request for Full Reinvestigation Filed Under : Fair Credit Reporting Act ( FCRA ) XXXX U.S.C. XXXX, XXXX ( b ), XXXX I, XXXX XXXX, am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding numerous inaccuracies I found in my credit report after obtaining a copy from XXXX. This complaint seeks enforcement of my rights under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX, XXXX ( b ), and XXXX. 

This is not a generic dispute. I personally submitted a comprehensive dispute packageincluding valid identification and supporting documentationand I am demanding a full, good-faith reinvestigation and correction of all items listed below. I also request disclosure of the procedures used to verify the information in question. 

Disputed Items Incorrect Personal Information : Previous Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX Unverified or Inaccurate Accounts : Collection XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off XXXX XXXX XXXX Acct XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off XXXX XXXX XXXX Acct XXXX : XXXXXXXX XXXX XXXX XXXX XXXX Late Payment XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment Sun Loan XXXX XXXX XXXX Acct XXXX : XXXXXXXX XXXX XXXX XXXX XXXX Charge Off XXXX Acct # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off XXXX XXXX # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment XXXX  Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment XXXXI Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts and inquiries appear to be either inaccurate, unverifiable, or outdated. Under XXXX XXXX. XXXX ( a ) ( XXXX ), all such data must be corrected or deleted if it can not be fully verified. 

FCRA Violations at XXXX  XXXX XXXX. XXXX ( b ) : Failure to follow reasonable procedures to ensure maximum possible accuracy. 

XXXX XXXX. XXXX ( a ) ( XXXX ) : Failure to conduct a reasonable and complete reinvestigation. 

XXXX XXXX. XXXX ( a ) ( XXXX ) : Failure to provide method of verification when requested. 

XXXX XXXX. XXXX : Failure to provide a complete consumer file disclosure.

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 2025-07-08 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: CO

Complaint narrative:
I am writing to formally dispute the reporting of a charged-off account that appears on my credit report. Below are the details of the account in question : Creditor Name : XXXXXXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Reported Balance : {$25000.00} Date of Charge-Off : XX/XX/year> This account is being reported as a charge-off on my credit file. According to standard accounting and tax principles, when a creditor charges off a debt, they typically write off the balance as a loss and take a tax deduction for it. In doing so, the creditor is often required to issue a 1099-C ( Cancellation of Debt ) to the debtor for tax reporting purposes, as per IRS guidelines .

To date, I have not received a 1099-C form related to this account for any tax year. If this debt has indeed been charged off and the creditor claimed a tax deduction for it, then continuing to report the debt as collectible and negatively impacting my credit file is not only misleading, but may also constitute fraud. A creditor can not claim a tax benefit on a canceled debt and simultaneously continue to represent it as outstandingthis is considered double-dipping and violates both IRS and Fair Credit Reporting Act ( FCRA ) guidelines.

Therefore, I am demanding the following actions : 1. Immediate removal of this charge-off from my credit report with all major credit reporting agencies ( Experian, TransUnion, and Equifax ) .

2. Written confirmation that this account has either been canceled, settled, or forgiven.

3. A copy of any 1099-C that was issued and filed with the IRS.

If none was issued, this confirms that the account was never officially charged off for tax purposes and the current credit reporting is misleading or inaccurate.

If the creditor or furnisher of this data is unable to provide full documentation supporting the legitimacy and accuracy of this charge-offincluding proof that the debt remains legally collectible and no 1099-C was issuedthen this tradeline must be removed from my credit report immediately in accordance with FCRA 1681s-2 and 1681i.

Failure to correct this error may result in further complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the IRS, and state consumer protection authorities for potential fraud and credit reporting violations.

I expect a response and action within 30 days, as required by federal law.

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 2025-07-08 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: CO

Complaint narrative:
I am writing to formally dispute the reporting of a charged-off account that appears on my credit report. Below are the details of the account in question : Creditor Name : XXXXXXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Reported Balance : {$25000.00} Date of Charge-Off : XX/XX/year> This account is being reported as a charge-off on my credit file. According to standard accounting and tax principles, when a creditor charges off a debt, they typically write off the balance as a loss and take a tax deduction for it. In doing so, the creditor is often required to issue a 1099-C ( Cancellation of Debt ) to the debtor for tax reporting purposes, as per IRS guidelines .

To date, I have not received a 1099-C form related to this account for any tax year. If this debt has indeed been charged off and the creditor claimed a tax deduction for it, then continuing to report the debt as collectible and negatively impacting my credit file is not only misleading, but may also constitute fraud. A creditor can not claim a tax benefit on a canceled debt and simultaneously continue to represent it as outstandingthis is considered double-dipping and violates both IRS and Fair Credit Reporting Act ( FCRA ) guidelines.

Therefore, I am demanding the following actions : 1. Immediate removal of this charge-off from my credit report with all major credit reporting agencies ( Experian, TransUnion, and Equifax ) .

2. Written confirmation that this account has either been canceled, settled, or forgiven.

3. A copy of any 1099-C that was issued and filed with the IRS.

If none was issued, this confirms that the account was never officially charged off for tax purposes and the current credit reporting is misleading or inaccurate.

If the creditor or furnisher of this data is unable to provide full documentation supporting the legitimacy and accuracy of this charge-offincluding proof that the debt remains legally collectible and no 1099-C was issuedthen this tradeline must be removed from my credit report immediately in accordance with FCRA 1681s-2 and 1681i.

Failure to correct this error may result in further complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the IRS, and state consumer protection authorities for potential fraud and credit reporting violations.

I expect a response and action within 30 days, as required by federal law.

Company response to consumer: Closed with explanation