vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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: GA

Complaint narrative:
SUBJECT : XXXX XXXX is reporting inaccurate and misleading derogatory information in violation of FCRA 602, 607, 611 ( a ). 

DESCRIPTION : XXXX XXXX is reporting inaccurate, unverifiable, and misleading information on my credit file. The account shows late payments, charge-off status, past-due balances, and negative remarks that are factually incorrect and inconsistent across the credit bureaus. 

Additionally, XXXX XXXX failed to properly document and disclose the repossession and auction process. I never received the required Notice of Intent to Sell, Sale Date letter, or Deficiency Explanation as required under FCRA and UCC standards. XXXX XXXX has failed to provide proof of : Correct balance calculation Chain of assignment Legally required notices How the balance was determined after the auction Verification of the alleged deficiency These failures violate FCRA Sections 602, 607 ( b ), and 611 ( a ). 

Because XXXX XXXX can not verify the accuracy of the balance, dates, notices, or reporting history, the information being furnished to Experian, Equifax, and TransUnion is legally unverifiable and must be deleted.

I am requesting : 1. Full investigation 2. Validation of the debt 3. Verification of all notices of sale 4. Verification of auction details 5. Immediate correction or removal of the inaccurate tradeline if XXXX can not verify compliance I am attaching ID and address documents for identity verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
SUBJECT : XXXX XXXX is reporting inaccurate and misleading derogatory information in violation of FCRA 602, 607, 611 ( a ). 

DESCRIPTION : XXXX XXXX is reporting inaccurate, unverifiable, and misleading information on my credit file. The account shows late payments, charge-off status, past-due balances, and negative remarks that are factually incorrect and inconsistent across the credit bureaus. 

Additionally, XXXX XXXX failed to properly document and disclose the repossession and auction process. I never received the required Notice of Intent to Sell, Sale Date letter, or Deficiency Explanation as required under FCRA and UCC standards. XXXX XXXX has failed to provide proof of : Correct balance calculation Chain of assignment Legally required notices How the balance was determined after the auction Verification of the alleged deficiency These failures violate FCRA Sections 602, 607 ( b ), and 611 ( a ). 

Because XXXX XXXX can not verify the accuracy of the balance, dates, notices, or reporting history, the information being furnished to Experian, Equifax, and TransUnion is legally unverifiable and must be deleted.

I am requesting : 1. Full investigation 2. Validation of the debt 3. Verification of all notices of sale 4. Verification of auction details 5. Immediate correction or removal of the inaccurate tradeline if XXXX can not verify compliance I am attaching ID and address documents for identity verification.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing the accuracy of the items below appearing on my Experian credit report. These accounts and inquiries do not reflect accurate reporting, and I am requesting a full FCRA-compliant investigation. If Experian or the furnishers can not validate the information with proper documentation, I am requesting deletion of the disputed items. 

CHARGED OFF XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$660.00} INQUIRIES 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

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 2025-12-01 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 obligation 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.

The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as 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. 
Acct XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year> 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 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Oquirrh Mountain Law Group, P.C.
State: IL

Complaint narrative:
XXXX XXXX I canceled the service on XXXX XX/XX/year> I've been being charged the whole year the last charge was XXXX of {$75.00} {$10.00} {$75.00} XXXX on auto pay I canceled the service and the whole year they've been charging my account I called today they couldn't help me they said they have to use the chat line for service help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: NE

Complaint narrative:
I am a consumer attempting to fix my credit, and I am exercising my rights under the FCRA to dispute the accuracy, completeness, and reporting standards of the accounts listed below. These items appear to contain incorrect information, incomplete data, or reporting inconsistencies that are harming my creditworthiness. I am requesting a full investigation and deletion of any information that Equifax can not verify with complete and accurate documentation. 

CHARGED OFF ACCOUNTS : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: AZ

Complaint narrative:
I am disputing the following Equifax items because they appear to be inaccurate, incomplete, duplicated, or unverifiable. I am requesting a full investigation and removal of all information that can not be supported with complete documentation. 

Charged Off / Negative Accounts ( XXXX  ) XXXX XXXX XX/XX/XXXX {$590.00} XXXX XXXX XXXXXX/XX/XXXX {$780.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$28.00} XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$600.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$610.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$130.00} XXXX XXXX XX/XX/XXXX {$260.00} XXXX  XXXX XX/XX/XXXX {$890.00} XXXX XXXX XXXXXX/XX/XXXX {$130.00} XXXX  XXXX XX/XX/XXXX {$130.00} Inquiries ( XXXX  ) None provided. 

Late Payments ( XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: TX

Complaint narrative:
My consumer file contains multiple accounts, inquiries, and records that are inaccurate, outdated, or unverifiable in violation of FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ). These inaccuracies have caused significant harm to my creditworthiness and its really frustrating.

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 2025-12-01 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: CBC Companies, Inc.
State: IN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: NY

Complaint narrative:
Despite multiple disputes, this inaccuraries continues to be reported. There is no indication the data furnisher met their duty to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ).

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Despite multiple disputes, this inaccuraries continues to be reported. There is no indication the data furnisher met their duty to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I hope this letter finds you well. I am writing to request your assistance in updating certain accounts reflected on my credit report. Upon review, I found information that appears to be outdated or inaccurate. I respectfully ask that my credit file be corrected to ensure it accurately reflects my current and verified financial information.

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 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
My bank account was used as recourse for a check from someone who had my stolen ID on XX/XX/XXXX the funds did not withdrawal till XXXX for XXXX. I called to file a complaint then they said I needed to let it process through to dispute the charge. Once it processed i called again and they said since it processed there was nothing they could do and now i had to file a fraud claim. I filed a claim and then they asked me to get a copy of the check so i could file a police report so i went to the bank where they told me to go and the bank was not able to print a copy so we were on the phone with customer service for XXXX hours trying to figure it out till they finally said they'd mail it. Then i tried to get credit for hardship since the fraud over drafted me XXXX $ all i wanted was for the negative to go away so it wouldn't swipe my next paycheck. They denied it and told me to go to my payroll to have them withhold the check but my payroll was closed all thanksgiving week since it is in a school district. When i explained that to them they basically told me there's nothing they could do. They say it can take up to 90 business days and i have already filed a police report against the fraud i have bills and cant believe they would deny a hardship request especially after all the times i have called.

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 monetary relief
Consumer complaint received 2025-12-01 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: CT

Complaint narrative:
This is an inaccurate item. It shows as a late payment.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
SUBJECT : XXXX XXXX is reporting inaccurate and misleading derogatory information in violation of FCRA 602, 607, 611 ( a ). 

DESCRIPTION : XXXX XXXX is reporting inaccurate, unverifiable, and misleading information on my credit file. The account shows late payments, charge-off status, past-due balances, and negative remarks that are factually incorrect and inconsistent across the credit bureaus. 

Additionally, XXXX XXXX failed to properly document and disclose the repossession and auction process. I never received the required Notice of Intent to Sell, Sale Date letter, or Deficiency Explanation as required under FCRA and UCC standards. XXXX XXXX has failed to provide proof of : Correct balance calculation Chain of assignment Legally required notices How the balance was determined after the auction Verification of the alleged deficiency These failures violate FCRA Sections 602, 607 ( b ), and 611 ( a ). 

Because XXXX XXXX can not verify the accuracy of the balance, dates, notices, or reporting history, the information being furnished to Experian, Equifax, and TransUnion is legally unverifiable and must be deleted.

I am requesting : 1. Full investigation 2. Validation of the debt 3. Verification of all notices of sale 4. Verification of auction details 5. Immediate correction or removal of the inaccurate tradeline if XXXX can not verify compliance I am attaching ID and address documents for identity verification.

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 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Majority USA, LLC
State: FL

Complaint narrative:
This bank called XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX payment services. Has yet claimed another victim. They have held my money in the account for more than month with no explanation to why my account would be locked. They keep telling my account is in review yet nobody ever gets back to me or have closed my account so that I can have my balance back to me. I have been XXXX  multiple XXXX XXXX  because of this, I XXXX  been able to pay my bills or even eat because of these people. They need to be shut down immediately. This is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hereby submit this letter as an official dispute of the accounts in question. I have no relationship with them and did not authorize their origination. A full review and removal are requested. Supporting documents are included.

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 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My Capital One credit card account ending in XXXX is closed, but interest and late fees continue to be added each month. The credit limit was {$500.00} but with all of the fees it is currently at {$790.00}. The balance has now grown beyond the credit limit because of these additional charges. 
I contacted Capital One to request help through any of the following options : a hardship plan, a closed-account workout program, a fixed payment or structured repayment plan interest rate reduction fee waiver review transfer to a supervisor, retention team, or back-office adjustments team, a settlement or payment arrangement review. 
Every time I called, the representatives insisted that no assistance programs exist for closed accounts, and they refused to escalate my request. They also stated that there is no retention department and that nothing can be done to stop interest or fees. This contradicts industry standards and Capital Ones own publicly available assistance policies. 
Because the account is closed and I am trying to pay it off, additional fees and interest make repayment increasingly difficult and unfair. I have repeatedly requested a reasonable and affordable way to settle or repay the balance, but Capital One refuses to provide any options or any escalation opportunity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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 am writing to formally dispute the following items on my credit report, which I believe to be inaccurate or incomplete. Below are the details for each bureau. 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$460.00} Inquiries : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2025-12-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent, inaccurate, unauthorized, and damaging accounts, inquiries, and public records from my credit file. These items are the direct result of identity theft and are being reported in violation of the Fair Credit Reporting Act ( FCRA ). Under FCRA 605B, 607 ( b ), and 611 ( a ), you are legally obligated to block and delete all fraudulent or unverifiable information within XXXX  ( XXXX  ) business days of receiving my FTC Identity Theft Report and supporting documents. Any delay, negligence, or continued reporting of this false information will be considered willful noncompliance and a serious violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for statutory, actual, and punitive damages. This is your final warning delete all fraudulent and inaccurate data immediately or face legal consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
I had a car loan through credit acceptance they over charged me and XXXX  my car XXXX XXXXt and still told me I needed to pay did not provide me any of that information until I called them

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 2025-12-01 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: FL

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b regarding the permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or any lawful authorization. I did not provide written instructions permitting the collection, use, or disclosure of this information. This constitutes a clear violation of the permissible purpose requirements under federal law, and I have formally disputed the items in question.

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