vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/XXXX, I sent a direct dispute to State Employees Credit Union ( XXXX ) regarding inaccurate credit reporting for an account they furnish. The account was correctly charged off in XX/XX/XXXX, but XXXX has reported a CO ( charge-off ) notation every month since, creating the false impression that a new charge-off occurs each month. This is inaccurate, misleading, and prohibited under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting standards. 

My letter included full identifying details, the exact account, a clear description of the inaccuracy, the legal basis for the dispute, and credit report excerpts as proof. XXXX received my letter on XX/XX/XXXX but refused to investigate, claiming it did not contain enough information. This claim is false, and my dispute met all FCRA requirements for a valid direct dispute. 

On XX/XX/XXXX, I sent XXXX a follow-up Failure to Investigate letter, again providing all documentation and requesting they correct the reporting and confirm the results in writing. XXXX has not corrected the inaccurate reporting and the repeated CO codes remain on all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: TX

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information 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 2025-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX, and I earnestly hope for a swift resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
In XXXX, Capital One experienced one of the largest data breaches in XXXX history. I was a victim of that breach. Since then, I have endured identity theft, account closure without explanation, inaccurate credit reporting, unfair billing practices, and discriminatory denial of hardship accommodations. 

Summary of Issues : ~Account Closure Without Explanation or Appeal~ In XXXX, I went to a Capital One branch after identity theft to protect my accounts. Instead, I was forced to close them over the phone from the branch because in-branch staff could not help. 

- No explanation or appeal process was provided. 
- I was repeatedly asked to authenticate over the phone in public, despite already being verified in person.

~Inaccurate Credit Reporting~ - XXXX  shows my Capital One account just closed in XX/XX/XXXX, despite the account being closed in XXXX. 
- Capital One continues to send me promotional emails ( e.g., XX/XX/XXXX, request to update my income for a credit limit increase ) as if the account is open. 
- Capital One has reported a false 60-day late payment by combining two billing cycles. I was neither 30 nor 60 days late.

~Unfair Billing on a Closed Account~ - Capital One has continued to charge at least $ XXXX interest and a $ 40 monthly late fee on a closed account. 
- They refuse to stop these charges despite the account being restricted. 
- Refusal to Provide Hardship Relief or Accommodations - I was removed from a hardship program without cause. 
- In summer XXXX, I was told I qualified again because I now live in XXXX, MA then immediately told I did not qualify because of my status, with no explanation. 
- Requests to adjust my due date to align with my pay schedule were denied. 
- This refusal to accommodate my XXXX and payment timing is discriminatory and creates avoidable hardship. 

~Retaliatory & Discriminatory Treatment~ - Capital One labeled me abusive after I questioned their contradictory statements.

- This behavior mirrors the emotional and reputational harm acknowledged in the XX/XX/XXXX appellate court ruling regarding the XXXX XXXX breach. 

~What I Want Capital One to Do~ - Correct all inaccurate credit reporting, including closure date and false delinquency. 
- Cease all interest and late fees on the closed account. 
- Reinstate hardship accommodations or provide a fair alternative. 
- Retract the abusive label from my record. 
- Provide a written explanation of all actions taken against my accounts. 
- Supporting Documentation : - Capital Ones XXXX  response - My XXXX  rebuttal - XXXX  alerts & Capital One promotional email screenshots - Account statements showing ongoing fees

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow.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 non-monetary relief
Consumer complaint received 2025-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
This issue is not just with me, but with lots of people. I have not been able to access TransUnion 's website to monitor my credit score. Every time I try to log in it says " there's a problem on our end.... please try again later '' or something to that effect. People have been complaining about this for YEARS. Go look at the XXXX threads, read the reviews. How can they be a credit reporting bureau when their website hasn't been properly running for the last year or two? It's ridiculous and now its saying TransUnion froze my credit report ... how? I never asked them to do that, how could I? I can't log into their website because it's not running. Seriously someone needs to do something because they have been getting away with this for too long now. Something that would take minutes on any other site ( unfreeze report ) now could take days because they won't allow the public to access their personal credit reports online. The TransUnion app is just as bad, if not worse. Whoever is in charge of their online media should be investigated because they have not done their job. I want to be able to access the TransUnion website and monitor my credit report whenever I see fit. I should not have to use the chat feature every time I want to do something. They sent me my free credit report but that doesn't change the fact they won't fix their website. They need to fix it or lose their status as one of the three main reporting bureau 's. The other two companies have websites that work, why does TransUnion not have one? Try logging in and see what happens. I've been experiencing that for months now and if you read the online threads, it's been this way for much longer.

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 2025-08-11 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:
Despite having submitted the Identity Theft Report, along with proof of identity and supporting documentation to the credit reporting agencies, the following items remain unresolved and continue to negatively impact my credit profile. These entries are not affiliated with me, were not authorized by me, and were the result of identity theft. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$5100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: OK

Complaint narrative:
Credit Acceptance violates FDCPA when a loan payment becomes late by making an excessive amount of calls to collect the payment. My payment was 2 days late but still within the grace period and they called me 4 times in a period of slightly less than 4 hours. I went online to schedule the payment for my payday so the calls would stop but theyve violated the 7 in 7 rule in the past. This is excessive, I have had this loan for years and never once missed a payment. They call from a different fake number each time so I cant even block them from calling my phone. Could also be a TCPA violation under the Caller ID rule.

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. 

Per the Consumer Financial Protection Bureau 's ( CFPB ) lawsuit recently filed against Experian, alleging systemic issues, including failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. 

These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. 

I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followi
ng items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: OneMain Finance Corporation
State: TN

Complaint narrative:
I filed XXXX  XXXX bankruptcy XX/XX/year>2024 and received my discharge XX/XX/year>2024. During the bankruptcy process I needed to omit one of my credit accounts because my mother is co-signed on the loan and I did not want the bankruptcy to negatively affect her. My attorney instructed me to complete a reaffirmation agreement so that the account was not included in the bankruptcy and I would continue paying as agreed. Upon checking my most recent credit reports the account has been removed from my reports and my mothers reports. The account is still open and Ive been paying as agreed ever since the account was first opened with no reported late payments. I contacted the credit bureaus and they advised me to contact the creditor for resolution. So I contacted the creditors local office where the account was originally opened and they told me there was nothing they could do. So next I contacted their corporate office and they also said there was nothing they could do and that the credit bureaus went over their head and removed the account. According to the credit bureaus they do not remove accounts only the creditor can do that. I firmly believe I am being deceived and/or being provided inaccurate information. Either way the account should still be reporting on my credit reports and my mothers. XXXX  XXXX bankruptcy does not remove/delete anything from your credit reports and the reaffirmation agreement should have most definitely ensured the account would remain intact. I will not rest until this is completely resolved. I will speak with my attorney about a lawsuit if the creditor and credit bureaus are unwilling to correct this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Central Research Inc
State: NY

Complaint narrative:
A collection agency handling my student loans improperly split my account into multiple separate entries without valid reason or explanation. This caused significant damage to my credit by reporting the loans as several delinquent accounts instead of one, which made it appear as though I had multiple defaults. As a result, my credit score dropped unfairly.

Additionally, the balances reported were inaccurate some amounts were duplicated or incorrectly assigned, leading to confusion about what I actually owed. I was never given clear documentation or communication about these changes, and the agency failed to correct the issues despite my attempts to resolve them.

This mishandling of my loans has negatively impacted my financial standing, caused unnecessary stress, and created long-term consequences for my ability to access credit. Im requesting that the CFPB investigate this matter and require the agency to correct the reporting errors and provide accurate, transparent account records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my consumer credit report by XXXX, TransUnion, and XXXX  for ( Account Name XXXX ) ( Account XXXX XXXXXXXX ) [ Specifically, XXXX  is reporting the account as " Pays account as agreed '' with a " 30 days past due '' delinquency. XXXX  is reporting " Paid account/was 30 days past due '' with a " 30-day delinquent '' status. TransUnion is reporting " Paid or paying as agreed '' but does not indicate a payment status. ] These reports are inaccurate and need to be updated to reflect " Paid on time '' and " Paid as agreed '' for all accounts. These entries are inconsistent, contradictory, and inaccurate. I am requesting that the status of this account be updated to reflect " Paid on time '' or " Current, '' and the worst delinquency status be updated accordingly to ensure accuracy in reporting. Upon review, I have discovered that these entries violate the Fair Credit Reporting Act ( CRA ), particularly Section 611, which requires consumer reporting agencies to ensure the maximum possible accuracy of the information contained in consumer reports. Furthermore, the entries were reported without my written authorization, in direct violation of 15 U.S. Code 1681b ( 2 ), which mandates that consumer information can not be accessed or used without the explicit written consent of the consumer. I expect a detailed response outlining the findings of your investigation, including documentation of the original written instructions from me, with my wet signature, authorizing the reporting of this information, and an explanation of the legitimate purpose for reporting these late payments. Additionally, I request a thorough investigation into these disputed late payments as per Section 604 ( a ) ( 3 ) of the FCRA and written confirmation of the investigation 's completion, along with details of any actions taken to rectify this matter.

Lastly, I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience. I trust that you will handle this matter promptly and in compliance with all applicable federal regulations. I look forward to receiving a response within 30 days of the date of this letter. Thank you for your attention to this matter.

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 2025-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation!

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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