vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
My account was restricted for no apparent reason one asked me for a bank statements on XXXX  XX/XX/XXXX and I have provided four accurate bank statements to provide my verification for income, but I still havent heard back from capital one and they are giving me the runaround as if I didnt apply for the car and I just need help on speeding up my process because I cant wait any longer I feel like I am being played with I will provide my case number and a photo attached to these files

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Atlanticus Services Corporation
State: CT

Complaint narrative:
On XXXX first a salesman from XXXX XXXX came to my door selling security systems my wife was interested.We listened to the salesman and at the end of the conversation he said in order to get the service he would have to perform a soft pull so my wife gave him her social security number with no hit on her credit score he said she was not approved so he asked me for my social security number me going by what he said a soft pull couldnt hurt my credit score so I gave him my social security number he said I was approved. So I proceeded to pick the devices I wanted he told me the total I said ok.The salesperson from XXXX  then without disclosing any further info applied for a credit line through a third party credit card company charge the credit line for the amount of the service it was 75 % of what I was approved for that made my credit utilization go up in turn my credit score took a big hit. Upon seeing that I was livid and wanted to cancel everything.I called both companies and tried to cancel the said my cool off period ended on the XXXX of XXXX but I did not get the product until the XXXX of XXXX and during that cool of period I was supposed to see if I like the system or not. I dont understand how I can be able to see if I like the equipment or not if it was not hooked up but theyre still binding me by the contract. I dont know what to do it seems like both companies are in cahoots with each other and this is the practice to advertise top of the line security equipment, get you to sign under false pretenses. I also forgot to mention the salesperson ask to see my phone while we were conducting business and Im not positive but I think he was fiddling with my emails and notifications so I wouldnt see the XXXX credit card info right away or before it was to late

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Complainant : XXXX XXXX Subject : Final Notice Failure to Properly Investigate and Verify Disputed Credit Report Information I, XXXX XXXX, am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding TransUnions continued failure to comply with the Fair Credit Reporting Act ( FCRA ) in connection with my repeated disputes of inaccurate and potentially unverifiable information reported on my credit file.

Despite multiple disputes and written requests, including my most recent submission more than 30 days ago, TransUnion has failed to take appropriate corrective action or provide a legally sufficient response. Instead of complying with the requirements outlined in the FCRA, they issued a generic statement claiming the items were verified without supplying the legally mandated method of verification as required under 15 U.S.C. 1681i ( a ) ( 7 ).

Unresolved Disputed Items : Incorrect Personal Information or Alias : Also Known As : 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  Violations Alleged : 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation.

15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the method of verification.

15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy in reporting.

TransUnion Has Failed to Provide : A description of the specific reinvestigation process used.

The name, title, and contact information of the furnishers of the disputed data. 

Any documentation used to verify the disputed personal and account 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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Complainant : XXXX XXXX Subject : Final Notice Failure to Properly Investigate and Verify Disputed Credit Report Information I, XXXX XXXX, am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding TransUnions continued failure to comply with the Fair Credit Reporting Act ( FCRA ) in connection with my repeated disputes of inaccurate and potentially unverifiable information reported on my credit file.

Despite multiple disputes and written requests, including my most recent submission more than 30 days ago, TransUnion has failed to take appropriate corrective action or provide a legally sufficient response. Instead of complying with the requirements outlined in the FCRA, they issued a generic statement claiming the items were verified without supplying the legally mandated method of verification as required under 15 U.S.C. 1681i ( a ) ( 7 ).

Unresolved Disputed Items : Incorrect Personal Information or Alias : Also Known As : 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  Violations Alleged : 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation.

15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the method of verification.

15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy in reporting.

TransUnion Has Failed to Provide : A description of the specific reinvestigation process used.

The name, title, and contact information of the furnishers of the disputed data. 

Any documentation used to verify the disputed personal and account 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 non-monetary relief
Consumer complaint received 2025-07-10 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: FL

Complaint narrative:
I am submitting this formal complaint against Experian for failing to maintain accurate and verifiable information on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). Despite no authorization or relationship with several companies, Experian continues to report multiple hard inquiries as well as addresses that I have never resided at. These entries are incorrect, unauthorized, and deeply concerning. 

The following hard inquiries appeared on my Experian report without my knowledge or consent : XXXX XXXX XX/XX/year> 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 XX/XX/year> I did not authorize any of these inquiries, nor did I apply for credit with any of these entities. Under FCRA 604 ( a ) ( 3 ), 15 U.S.C. 1681b, Experian may only allow a hard inquiry when there is a legitimate business need initiated by the consumer. None of these companies had my permission to access my credit file, and Experian has failed to verify their legitimacy or obtain documented proof of permissible purpose. 

In addition, Experian is reporting the following addresses on my credit profile : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX These addresses are not mine. I have never lived at either location, nor have I used them on any applications or official documents. The inclusion of these addresses creates serious risks of identity confusion or mixed file reporting. Experian is obligated under FCRA 607 ( b ) to maintain the maximum possible accuracy of identifying information. The presence of these false addresses shows a complete failure to uphold that legal duty. 

What I Am Requesting : I am asking the Consumer Financial Protection Bureau to compel Experian to remove all of the above unauthorized hard inquiries and inaccurate address entries from my credit file. These items are not only unverifiable but were placed on my report without any lawful basis, violating both FCRA 604 and 607 ( b ). 

I further request that Experian conduct a full reinvestigation of these disputes and provide documentation for each inquiry and address. If they are unable to provide written proof of permissible purpose or verified residency, then by law under FCRA 1681i ( a ) ( 5 ) they must be permanently deleted from my file. 

Experians continued reporting of inaccurate data is causing damage to my credit standing and violating my rights as a consumer. I am relying on the CFPBs enforcement authority to ensure Experian complies with federal law and corrects these errors without further delay. 

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 2025-07-10 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: VA

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: FL

Complaint narrative:
The issue at hand is the reporting of 30-day late payments by XXXX  and Equifax for the months of XXXX, XXXX, and XX/XX/XXXX. This information is factually inaccurate, as : XXXX  reflects a clean and " OK '' payment history for all months. 

The account itself was not opened until XX/XX/XXXX, making any negative payment history before that date impossible. 

My payment history since opening the account has been on time, and my current balance reflects an active and compliant account status. 

Under the Fair Credit Reporting Act ( FCRA ) : 1681i ( a ) ( 5 ) mandates that any information that can not be verified or is inaccurate must be promptly deleted or corrected. 

1681s-2 ( b ) requires the furnisher of the data ( in this case, XXXX XXXX ) to investigate and correct any false reporting when notified of a dispute. 

Continuing to report this clearly false information after notification may constitute willful noncompliance, which is subject to civil liability under 1681n and 1681o of the FCRA. 

I am requesting the immediate deletion of the reported late payments for XXXX, XXXX, and XX/XX/XXXX from both Equifax and XXXX, and a written confirmation that my credit file has been corrected accordingly. 

Failure to resolve this matter may result in additional complaints with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and legal action as permitted under the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: TX

Complaint narrative:
On XX/XX/year>, after a series of flight delays and in communication with the hotel, I arrived to XXXX XXXX in XXXX, XXXX. The checkin time with the concierge was longer than expected ( 45 minutes ). I was told that the room that I originally booked was unavailable and was given another room for my sister and I. We brought our bags up to get settled in, upon entering the room, it reeked of pet urine and or fecal matter. When we went to shower, there was leftover bar soap in the shower. As I waited for the water to heat to ta desirable temperature, the water did not drain properly. While brushing my teeth in the sink, the water did not drain as well. We tried to overlook all but the final concern, was when pulling the comforter back on the bed, there was a stain. I then went down to speak with the concierge, and he stated there weren't any other rooms available. This was unacceptable. I quickly searched for a nearby hotel, we checked out and went to the XXXX XXXX. I have been in contact with XXXX and they are refusing to issue a refund to hotel ( XXXX ) uncooperative efforts. I have submitted proof of the concern and still XXXX has stated they are unable to issue a refund. I started a refund process with my credit card company, Capital One and after 60 days, Capital one stated the charge will stay, even after providing pictures of the incident. I have paid another hotel with a separate card and this experience is highly unethical. I should not be responsible for 2 hotels when I was forced to check out of XXXX due to the inhabitable conditions of their hotel. My credit should not be impacted by the charge of {$820.00}. I am seeking the full charge of {$820.00} to be removed from Capital One immediately. Capital One is my financial intuition and based on me providing the evidence, there should not be any charges as the service was not rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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:
On XX/XX/2025, XXXX XXXX XXXX made an update to a collection account on my Experian credit report. The update inaccurately reflected past-due payment history, despite this being a closed collection account and not an active credit line. Additionally, the original creditor had previously agreed to delete this account, not update it. 

In response, I submitted a formal dispute through Experian, clearly requesting a thorough investigation into the validity of this update and the reporting practices of XXXX XXXX. I included relevant background and noted that the payment history field was being improperly updated, which is misleading and likely a violation of the Fair Credit Reporting Act ( FCRA 1681s-2 ( a ) ( 1 ) ( A ) ), as collection accounts should not show monthly payment activity once charged off. 

On XX/XX/2025, Experian marked the dispute as completed, but instead of removing the account or correcting the reporting, they updated the account again to reflect further information from the furnisherstill showing past-due payments, which are inaccurate and harmful to my credit profile. 

This outcome shows that Experian did not conduct a reasonable reinvestigation as required by FCRA 1681i ( a ) ( 1 ) ( A ). There was no transparency about the steps taken, no evidence provided, and no indication that my supporting information was seriously considered. Additionally, the ongoing reporting of payment history on a collection account could constitute illegal re-aging, which is prohibited under FCRA 605 ( c ). 

I am requesting the CFPBs assistance in : Compelling Experian to properly investigate this matter ; Requiring XXXX XXXX  to stop inaccurately reporting this account ; Removing or correcting the account to reflect accurate, legally compliant information. 

This situation is damaging my credit standing, and I believe it reflects a failure by both the credit reporting agency and the furnisher to comply with federal consumer protection laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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:
There are no public records on my report, and I am pleading with you to remove these incorrect details as soon as possible. The situation is causing me significant stress, and I will not tolerate it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: CA

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 reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. 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 explanation
Consumer complaint received 2025-07-10 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 formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: NY

Complaint narrative:
I am filing this complaint because the credit bureaus have failed to remove unverified accounts from my credit report despite receiving multiple written disputes. Under the FCRA, Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), I have the right to request validation of any information reported on my credit file. These accounts have not been verified and no proper documentation was provided. 
XXXX XXXX * * * * * * * * * * * * * * BALANCE {$0.00} XXXX XXXX BALANCE {$8600.00} XXXX XXXX XXXX XXXX  * * * * {$65.00} XXXX XXXXXXXX XX/XX/2024

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