vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am reporting multiple inaccurate and fraudulent items appearing on my credit report. These accounts and/or inquiries were not authorized by me, and I have attached the documents that support my identity-theft claim. I previously notified all three credit bureaus and the furnishers, but they have not conducted a lawful investigation and have failed to respond within the FCRA mandated timelines. This situation has caused me significant stress, fear, and emotional frustration. It is overwhelming to see fraudulent accounts tied to my name and to feel ignored after doing everything the law requires me to do. These inaccurate items are affecting my ability to move forward financially, care for my family, and maintain stability. I have been trying to correct something I did not create, yet Im the one suffering the consequences. No one should have to fight this hard just to clear their own name.

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 2025-12-09 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: NJ

Complaint narrative:
I SEND MY FORMAL MAIL IN FORM REQUEST XX/XX/XXXXXXXX AND IT WAS DELIVERED AND RECEIVED ON XXXX UNTIL TODAY 'S DATE XXXX I HAVENT RECEIVED MY REPORT OR AN ACKNOWLEDGMENT.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


UNAUTHORIZED INQUIRY PLEASE DELETE : XX/XX/XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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:
To Whom It May Concern : I am submitting this complaint regarding Equifax 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal dispute with Equifax to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Equifax responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Equifax for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX veteran who suffers from XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only one week remaining to finalize my home purchase. Equifaxs refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Equifax fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Equifax be held accountable for the injury and distress they have caused. 

I am attaching supporting documents, including copies of my dispute submission and Equifaxs stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: GA

Complaint narrative:
I am submitting this follow-up complaint regarding multiple inaccuracies that continue to appear on my Equifax, Experian, and TransUnion credit reports despite my prior disputes and submissions of supporting documentation. Several accounts, including XXXX  XXXX Balance XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance XXXX XXXX, Inaccurate address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and certain charge-off accounts, remain inaccurately reported with incorrect balances, late payments, account statuses, and addresses. These continued errors violate the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), which require that all information maintained by credit reporting agencies be complete, accurate, and verifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: GA

Complaint narrative:
I am submitting this follow-up complaint regarding multiple inaccuracies that continue to appear on my Equifax, Experian, and TransUnion credit reports despite my prior disputes and submissions of supporting documentation. Several accounts, including XXXX  XXXX Balance XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance XXXX XXXX, Inaccurate address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and certain charge-off accounts, remain inaccurately reported with incorrect balances, late payments, account statuses, and addresses. These continued errors violate the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), which require that all information maintained by credit reporting agencies be complete, accurate, and verifiable.

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 2025-12-09 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: DE

Complaint narrative:
I am sending this complaint because I recently reviewed my credit report and discovered several accounts and addresses that are inaccurate, incomplete, or appear to be reported in violation of the Fair Credit Reporting Act ( FCRA ). After carefully going through my file, I realized that this information does not accurately represent my credit history or my personal identifiers, and I am requesting a full reinvestigation. I want to explain clearly and in full detail why the following issues concern me and why, under federal law, they must be corrected or removed from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX MTG XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} CAPITAL XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4400.00} Furthermore, I want to note that under FCRA 604 ( a ) ( 3 ), any access or furnishing of my credit information requires a valid permissible purpose. I am requesting that Experian verify and document the permissible purpose for the reporting and sharing of the disputed data associated with the accounts listed above. If any party accessed or reported my information without a legitimate reason under the statute, then that information must be removed from my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: DE

Complaint narrative:
I am sending this complaint because I recently reviewed my credit report and discovered several accounts and addresses that are inaccurate, incomplete, or appear to be reported in violation of the Fair Credit Reporting Act ( FCRA ). After carefully going through my file, I realized that this information does not accurately represent my credit history or my personal identifiers, and I am requesting a full reinvestigation. I want to explain clearly and in full detail why the following issues concern me and why, under federal law, they must be corrected or removed from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX MTG XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} CAPITAL XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4400.00} Furthermore, I want to note that under FCRA 604 ( a ) ( 3 ), any access or furnishing of my credit information requires a valid permissible purpose. I am requesting that Experian verify and document the permissible purpose for the reporting and sharing of the disputed data associated with the accounts listed above. If any party accessed or reported my information without a legitimate reason under the statute, then that information must be removed from my 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 non-monetary relief
Consumer complaint received 2025-12-09 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: CA

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that are incorrect : 1.

1.violation of 15 USC 1692g . Validate this account. You have 30 days to verify if you fail to this must be deleted. 
XXXX XXXX XXXX IN Account Number : XXXX Please remove this inaccurate information In accordance with the Fair Credit Reporting Act, I hereby request that you investigate and remove these items from my credit report. It is my understanding that you will verify these items with the relevant creditor. Please eliminate any information that can not be verified by the creditor. I am aware that as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter.

Please provide me with an updated copy of my credit report at the aforementioned address. According to the act, there should be no fee for this updated report. Furthermore, I kindly request that you notify anyone who has received my credit report in the past XXXX months of any corrections made. 
Thank you for your attention and assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Premier Auto Credit
State: CA

Complaint narrative:
The auto loan account from PRMR Auto Credit is being reported inaccurately. The dealer took the vehicle back in XXXX and resold it. The account was marked as Paid by dealer and Account closed by consumer, and the balance was reported as {$0.00}. However, the credit bureaus continue to report the account as if I was still responsible for the vehicle during months when I did not have possession of it. They are also reporting a XXXX day late payment, which is incorrect because the dealer took the vehicle back and handled the payoff during that period. 
After the vehicle was taken and resold, I continued receiving tickets and violations in my name, showing that the dealer failed to properly transfer ownership. This demonstrates that the account should not have remained tied to me after the vehicle was surrendered and paid for by the dealer. 
The account closed on XX/XX/year>, yet it continues to negatively affect my credit report with late payments and derogatory remarks that are not accurate. I am disputing the accuracy of the payment history, the reporting of liability, and the continued association of this account with me after the dealer took full possession and responsibility. 
I am requesting a full investigation and removal of the inaccurate reporting.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am submitting this follow-up regarding a late payment that continues to be reported inaccurately on my credit file, despite my prior disputes and submission of supporting documentation. The inaccurate reporting remains unresolved, misrepresents my actual payment history, and continues to negatively affect my creditworthiness. 
XX/XX/XXXX Balance Owed : {$11000.00} Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation whenever a consumer disputes the accuracy of reported information. Furthermore, FCRA mandates that any information that is unverifiable, inaccurate, or incomplete must be corrected, updated, or removed within the legally required timeframe. The continued reporting of this late payment constitutes a violation of these federal requirements and demonstrates noncompliance by the credit reporting agencies and the furnisher.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: AL

Complaint narrative:
I am submitting this follow-up regarding a late payment that continues to be reported inaccurately on my credit file, despite my prior disputes and submission of supporting documentation. The inaccurate reporting remains unresolved, misrepresents my actual payment history, and continues to negatively affect my creditworthiness. 
XX/XX/XXXX Balance Owed : {$11000.00} Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation whenever a consumer disputes the accuracy of reported information. Furthermore, FCRA mandates that any information that is unverifiable, inaccurate, or incomplete must be corrected, updated, or removed within the legally required timeframe. The continued reporting of this late payment constitutes a violation of these federal requirements and demonstrates noncompliance by the credit reporting agencies and the furnisher.

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 2025-12-09 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: CA

Complaint narrative:
I am submitting this complaint regarding numerous inaccurate, incomplete, and potentially misleading items reported on my credit files by Experian, Equifax, and TransUnion, which are materially affecting my creditworthiness and financial opportunities. On Experian, I dispute the following charge-offs :XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXXXX, {$350.00} XXXX. On TransUnion, I dispute charge-offs : XX/XX/XXXXXX/XX/XXXX. Many of these entries appear inaccurate, outdated, misreported, or lack verification, potentially violating the Fair Credit Reporting Act ( FCRA 605 ( a ), 605 ( c ), 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ) ) and the Fair Debt Collection Practices Act ( FDCPA 807, 808, 809 ), as balances, dates, account ownership, and authorization for inquiries may not be fully verified or legally permissible. I request a thorough investigation of all the listed accounts, collections, and inquiries across all three credit bureaus and correction or removal of any unverifiable, inaccurate, or misleading information to ensure my credit reports accurately reflect my financial history.

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 2025-12-09 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: OR

Complaint narrative:
I am filing a complaint regarding the conduct of IQ Data International, a debt collection company. When I contacted them to discuss and negotiate a potential payoff amount for an alleged debt, their representative used aggressive, unprofessional, and degrading language toward me. This behavior appears to violate multiple provisions of the Fair Debt Collection Practices Act ( FDCPA ), including : 15 U.S.C. 1692d ( FDCPA 806 ) prohibiting a debt collector from engaging in conduct intended to harass, oppress, or abuse any person, including the use of abusive language.

15 U.S.C. 1692e ( FDCPA 807 ) prohibiting
false, deceptive, or misleading representations, including statements meant to intimidate or pressure a consumer.

15 U.S.C. 1692f ( FDCPA 808 ) prohibiting unfair or unconscionable means to collect or attempt to collect a debt.

I contacted them in good faith to discuss repayment options ; however, their representatives tone and communication style were hostile and disrespectful. Instead of assisting with a potential resolution, they escalated the situation through degrading and aggressive remarks. 
I am requesting that the CFPB review this companys conduct, ensure compliance with FDCPA regulations, and require IQ Data International to address and correct the inappropriate behavior of their staff.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have been in communication with XXXX XXXX XXXX. I called to discuss it and was told there was a lawsuit filed against me. I told them I never received word and the representative stated they did not send a summons but the case had been filed. I was told the only thing I can do is pay the debt and then I wont be sued after all. I agreed to a payment plan but did not sign the paperwork. I looked at all court records searches that I could find and I am unable to find any lawsuits against me. This was a plain lie and they are trying to trick me into paying more than I even owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Beginning in XX/XX/2025 through XX/XX/2025, XXXX XXXX charged multiple NSF and overdraft fees caused by system delays, inaccurate balance display, and repeated charging of the same transaction. The mobile app showed a positive balance and cleared deposits, but the following day, the bank re-posted transactions in a different order, showing a negative balance and adding overdraft fees. 

Example : On multiple dates the bank charged a {$35.00} NSF fee when a transaction was declined, then later charged another {$35.00} overdraft fee for the same transaction when the bank ran it again, even though the account was already negative. Additionally, small automated payments of $ XXXX {$20.00} were allowed to go through while the account was negative XXXX XXXXXXXX {$300.00}, creating a cascade of additional overdraft fees. 

I made deposits specifically to bring my balance positive after speaking with Capital One, and the mobile app showed my account as positive. The next morning, the app reflected multiple new fees and a negative balance again. I have screenshots showing the bank accepted transactions while I had negative hundreds of dollars, causing more fees. 

Capital One representatives refused a full refund and only offered to refer me to a dispute department to dispute individual transactions, instead of correcting the systemic issue. I requested a supervisor and was told fees could not be refunded, even though the pattern was caused by delayed posting, stacking fees, and misleading available balance display. 

This caused business interruption, prevented me from depositing payouts, and caused direct financial harm. I am requesting a full refund of all NSF and overdraft fees from XX/XX/2025 through XX/XX/2025 and an explanation of why the bank accepted transactions and charged multiple fees on the same items while the account was already negative.

Company response to consumer: Closed with explanation