vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-07 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: IL

Complaint narrative:
I was notified when a few accounts popped up on my credit report that I did not open. I contacted the original creditor XXXX XXXX XXXX and XXXX XXXX XXXX. I requested documentation about the account, the validation letter, contract with my signature, copy of ID and anything they received to help me get to the bottom of who opened these accounts. During the time I was going through a bad divorce and suspected that my ex-husband had did this. I contacted the police the minute I found out about this. I have dispute this with all the bureaus and Equifax is still reporting this account on my credit report with no validation of the account. They are not investigating this and just taking the companies word on this. Please provide me with documentation of this debt.

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 2025-09-07 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Account Name : XXXX XXXXXXXX # XXXX -Date Opened XX/XX/XXXX - Balance {$20.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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: TX

Complaint narrative:
I am filing this complaint regarding fraudulent and unauthorized derogatory accounts that have appeared on my credit report. These accounts were opened without my knowledge or consent and are the result of identity theft. I have already contacted the credit bureaus and the furnishers to dispute these items, but they have either failed to respond appropriately or refused to remove the accounts. 
I have provided documentation, including a police report, FTC Identity Theft Report, and a written statement confirming the fraud. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be investigated and permanently removed from my credit reports. The continued reporting of these fraudulent accounts is causing financial and emotional distress. 
I am asking the CFPB to help ensure the credit bureaus and furnishers fulfill their legal obligations by conducting a proper investigation and removing all fraudulent information from my credit file.

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 2025-09-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One Auto Finance issued a loan to me for the purchase of a Certified Pre-Owned XXXX XXXX XXXX from XXXX of XXXX for {$22000.00} on XX/XX/XXXX. I understood this was a XXXX loan, but Capital One listed the end date as XX/XX/XXXX, effectively making it a 6-year loan. 

My car was stolen on XX/XX/XXXX. I made a final monthly payment in XX/XX/XXXX of {$490.00}. Of that payment, only {$8.00} went toward the principal balance and the rest was applied to interest. After 55 months of consistent payments with no repossessions, Capital One claimed I still owed {$11000.00} with 18 months remaining. I asked repeatedly for a clear explanation, but none was provided. 

Capital One initially offered a {$3000.00} settlement agreement to resolve the remaining balance. I began making payments toward that settlement. After my insurance company processed the theft claim and paid Capital One, the company voided the settlement and demanded I now pay {$8600.00} ( the deficiency balance ). They provided no clear justification, only citing standard form clauses that were never clearly explained to me at the time of agreement.

On two separate occasions, Capital One representatives discouraged me multiple times from filing a complaint or providing evidence, which I believe is retaliation and intimidation. I find this deeply concerning and believe it shows an intent to obscure their lending and settlement practices.

Capital One needs to explain why after nearly 5 years of timely {$490.00} payments on a {$22000.00} loan, the principal balance was still more than 50 % of the original loan amount, and why a written {$3000.00} settlement agreement was voided after I began payments. 

These practices are predatory and disproportionately harm vulnerable consumers like me, a XXXX XXXX woman.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
b"Dear Reader XXXX CFPB\n\nDate of Transaction: XXXX XXXX XXXX XXXXDate of Dispute with Cap1: XXXX XXXX XXXX  ongoing until now.                 \nProduct  Arrived &  Package was Refused Unopened & Returned to Vendor:  XXXX XXXX XXXX XXXX Tracking XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI purchased a product from a shady vendor, as can be confirmed by an online search. I did not ever receive an invoice or a phone number to contact them directly and did not receive the package until after disputing the transaction. XXXXCap1 would not provide me contact information when I disputed this transaction. I have had a different Credit Card scammed when I attempted to contact then myself, so I was absolutely not going to get on that merry-go-round again.  The vendor lied to Cap1 saying I had not returned the package/item. The tracking number I provided clearly shows it was retuned to the vendor, however Cap1 will not refund the XXXX to my account.\n\nCap 1 sent me a form letter which required me to send in information...the XXXX letter I sent to them on XXXX XXXX XXXX included a photo of the refused package along with the tracking number. Apparently, they did not know or tell me that the tracking number would show that the package had been returned to the vendor.  I received another form letter requesting more information?  \n\nI received a XXXX form letter, requesting more proof than I had originally sent in.\n\nThe charge was again debited to my CC.  I then called Cap 1 and asked why I was being charged.  The customer rep told me it was because the company never received the package.  Apparently this department doesn't know how to use the tracking number to check for a returned package.\n\nAfter a XXXX letter stating there was no safe or credible way for me to contact this vendor provided by Cap 1, [since I have never received an invoice and no phone # was listed on the Cap 1 statement]. I received a XXXX form letter saying I had not disputed the purchase within the XXXX day time frame and the case was closed....REALLY?!?  The company has the package and Cap 1 is paying the company and I should pay Cap ! !!!\n\nThe letters written & sent to Capital One requesting this charge be removed from my Credit Card Acct are attached along with the photo of the refused package showing the tracking number for proof.\n\nI expect Cap 1 to refund my XXXX  I am very shocked to learn that their rating on XXXX is only XXXX XXXX XXXX  with so many complaint stories far worse than mine...how sad that a company as large as they can get away with such unfair consumer practices.\n\nThank you for listening...most sincerely, XXXX XXXX

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

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I declare that the late payment remarks reported on my accounts are inaccurate and constitute a violation of 15 USC 1666. I have consistently made my payments on time, and any discrepancies in this reporting are both unfair and unlawful.

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 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Professionals, Inc.
State: ID

Complaint narrative:
I surrendered my car around XXXX. I had become unable to drive and unable to pay the loan. The debt never showed up on my credit karma. I contacted the bank and found out they sold my debt but they said they didnt know who it was sold to. 

XXXX up payment arrangement, but they refused to send me any account details beyond a statement of what they accepted. No details of how much I owed, what it was from, interest, etc. 

XX/XX/XXXX I tried to contact company and the phone # provided was out of service. I panicked and closed the account with auto withdrawal because I thought Id been scammed. Bank disputed it, confiscated the money, its currently in savings to be paid towards company if they would give me information. 

Never served with papers, completely unaware I was being sued. 

First garnished XX/XX/XXXX. I can not afford this at all and I called sheriff and bank. Finally got a name from the sheriffs office. Found out it was about the car loan. Found a working number for collection bureau inc, Idaho in XXXX, ID. The individual who answered claimed that due to the bank dispute, they would no longer communicate at all, refused to give me any further information, and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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:
I spoke to XXXX this morning who says no complaint to any entity can do anything about this reporting. I recently paid off my XXXX  year mortgage XXXX years early, XX/XX/scrub> 2025. I have paid all my creditors on time with XXXX late payments. He said I have XXXX derogatory mark, which is old and wouldn't affect current score, especially XXXX points. I was told paying off a mortgage or auto loan early is negative to my score because the account is closed early. It's like you make a monumental life accomplishment and you are rewarded negatively. You take XXXX steps forward with your credit score and get XXXX steps backwards. He said my credit card usage is higher than 30 % and I said they are all paid on time monthly, so if you use your credit It's negative and if you don't pay it's negative. In this economy a lot of people are using more credit, except the rich folks. We the middle class, now on the verge of the poor class, can not get ahead. I believe this is an inaccurate reflection of my credit worthiness and needs to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .1 kindly request that you block this information from my record with chexsystem within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for the listed checking account to be blocked and deleted with company information chexsystem. Please delete the following checking account. XXXX XXXX XXXXXXXX {$0.00} Account # 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 2025-09-07 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: PA

Complaint narrative:
Hi to whom this may concern. My name is XXXX XXXX XXXX and I noticed multiple inaccuracies reporting on my credit report in XX/XX/year>. Please remove it from my credit report as soon as possible. I didnt give any authorization whatsoever. These accounts do not belong to me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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: PA

Complaint narrative:
Hi to whom this may concern. My name is XXXX XXXX XXXX and I noticed multiple inaccuracies reporting on my credit report in XX/XX/year>. Please remove it from my credit report as soon as possible. I didnt give any authorization whatsoever. These accounts do not belong to me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: NY

Complaint narrative:
Company : XXXX XXXX Account Number : XXXX Consumer : XXXX XXXX When I signed up with XXXX XXXX, I was told and given written documentation ( attached agreement dated XX/XX/XXXX ) that my monthly bill would be {$130.00} plus taxes and fees. However, Recently in XXXX, I was billed for more than {$400.00}. 

I immediately disputed the charge with XXXX, but they did not correct the issue. To avoid further problems, I paid off all my phone balances and switched my service to XXXX XXXX. Despite this, XXXX reported an alleged debt to the credit bureaus that I do not owe, which has unfairly damaged my XXXX XXXX. 

I request that this inaccurate debt be removed, XXXX correct their records, and the negative entry be deleted from my credit reports. Supporting documents, including my signed agreement, are attached. 

Attachments Supporting Evidence for CFPB Complaint Exhibit A Service Agreement ( XX/XX/XXXX ) Document provided at the time of sign-up, showing my agreed monthly bill of {$130.00} plus taxes/fees. This proves XXXX overcharged me when I was later billed for more than {$400.00}. 

Exhibit B Buyout Receipt ( XX/XX/XXXX ) Receipt from Wireless Zone showing I paid {$2100.00} to close out my device balances in full. This confirms that I do not owe XXXX any further amounts. 

Exhibit C Bill ( Over {$400.00} ) - XX/XX/XXXX XXXX of the disputed XXXX bill that I immediately challenged. This is the bill that led to the inaccurate credit reporting. 

Exhibit D Proof of Service Switch Documentation of my line being switched to Boost Mobile, showing I no longer have active service with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: GA

Complaint narrative:
Penn Credit Corp is reporting a debt of {$800.00} on my credit report. This is the same alleged debt that was previously reported and disputed with another collection agency, XXXX XXXX XXXX. I already filed a CFPB complaint regarding XXXX XXXX XXXX, and that case showed they could not provide proper documentation or validation of this alleged debt. 

Despite this, Penn Credit Corp is now attempting to collect the same disputed debt under a new collection entry. No proof has ever been provided that this account belongs to me or that I am legally responsible for it. Additionally, the service address associated with this alleged debt is in New Jersey, but I have never lived in New Jersey.

Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), I have the right to request debt validation. No proper validation has been provided. Reporting or attempting to collect a debt without proof violates the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ) and the FDCPA.This continued reporting and collection of an unvalidated debt is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation