vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 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 {$1000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-26 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: IL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
On XX/XX/year>, I initiated an instant transfer of {$100.00} from my XXXX  account to my linked bank account ( XXXX XXXX XXXX XXXX XXXX ). XXXX  charged me the instant transfer fee and confirmed the transfer as completed. Despite this, the funds never appeared in my bank account as promised. 

XXXX  advertises instant transfers as occurring within minutes, yet the funds were delayed for multiple days. My bank records ( attached separately ) show deposits only on XX/XX/XXXX and XXXX, in mismatched amounts ( {$100.00} and {$58.00} ), which do not align with the XX/XX/XXXX instant transfer request. Two additional instant transfers are also missing from my account history altogether. 

I contacted XXXX  support and received no meaningful resolution. Instead, the company retained control of my funds for several days without disclosure, explanation, or correction. This is not an isolated glitch it is a systemic failure of XXXX instant transfer product. 

XXXX conduct appears to violate the Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ) and Regulation E ( 12 CFR Part 1005 ), which require : Clear and accurate disclosures of transfer timing. 
Prompt completion of electronic fund transfers. 
Timely investigation and resolution of errors. 

By charging instant transfer fees, confirming completed transactions, and then failing to deliver the funds as promised, XXXX  has engaged in practices that may constitute unjust enrichment, deceptive representations, and unlawful retention of consumer funds. 

This failure caused financial hardship, as I relied on the timely availability of the transferred funds to meet obligations. 

Relief requested : 1. Full OCC/CFPB investigation into XXXX handling of instant transfers. 
2. Immediate correction of missing transfers, including reimbursement of fees charged for failed instant transfers.

3. Written assurances that XXXX  will comply with EFTA and Regulation E, with transparent error-resolution procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: AL

Complaint narrative:
These accounts are not mine and may have been created using stolen information. I request a comprehensive investigation and that they be removed from my credit file. Documentation is included.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This dispute concerns the inaccurate and unauthorized reporting of accounts on my credit record. I did not open these accounts, did not authorize them, and received no notification when they were added. To make matters worse, the details being reported differ across the credit bureaus, which violates the FCRA, 15 U.S.C. 1681e ( b ), as they are obligated to report only accurate information. 

This situation also violates 15 U.S.C. 1681i, which requires disputed items to be investigated and corrected or deleted within 30 days, and 15 U.S.C. 1681g, which requires complete and accurate file disclosures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I opened a Capital One 360 XXXX XXXX account with the impression I would be earning more interest than the regular 360 Savings Account. Their marketing was deceptive, and I found out Capital One failed to raise interest rates and failed to notify that the 360 Savings was no longer their High-yield online savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 






XXXX Account Number : 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 2025-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: FC HoldCo LLC
State: MD

Complaint narrative:
On XX/XX/XXXX, the auto lender called me and stated that I had until the XXXX to make a payment to avoid repossession. He asked if I could make any payment that day, and I told him I couldnt, but I could pay next week. He told me the amount would be around {$360.00}, and I confirmed I would make the payment. I specifically asked if my car would be safe as long as I paid by the XXXX, and he confirmed that it would not be repossessed. Today, XX/XX/XXXX, I went to get my car and discovered it had already been repossessed from a parking garage labeled for tenants only.

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 2025-09-26 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: CA

Complaint narrative:
I am disputing the reporting of a late payment under my account. I have thoroughly reviewed my payment records, and it is evident that all payments were made on time. The reported late payment is entirely inaccurate and does not reflect my responsible payment behavior.

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 2025-09-26 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: PA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-09-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I am filing a complaint against Ally Financial regarding an auto lease. My leased vehicle was stolen in XX/XX/2024 and never recovered. I filed a police report, and my insurance company declared the vehicle a total loss. Ally accepted the insurance settlement. Despite this, Ally is attempting to charge me approximately {$5100.00} for excess mileage fees. The lease agreement includes an excess mileage clause that applies only when a vehicle is returned and the odometer can be verified. Because the vehicle was stolen and never recovered, there is no way to verify the actual mileage at the time of loss. Ally has no factual basis to charge excess mileage fees, and doing so is unfair, unreasonable, and inconsistent with the contract terms. 

I filed multiple disputes with Ally directly, explaining that the mileage fee can not legally apply when the vehicle was stolen and not returned. 

Ally has refused to resolve the matter and has now turned the alleged debt over to collections. 

As a result, the collection account has appeared on my credit report, causing significant harm to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: TX

Complaint narrative:
I am filing this complaint against the credit reporting agencies for failing to comply with my notarized dispute letter that was mailed over 45 days ago regarding multiple unverified accounts. 

You have violated 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation, which requires you to provide the results of a reinvestigation no later than 5 business days after completion. To date, no results have been provided, making you noncompliant with federal law.

I demand that you comply immediately. The following items remain inaccurate, unverified, or unlawfully reported and must be corrected or deleted : XXXX XXXX This account was never charged off. No source of verification has been provided. Delete this unverified account. 

XXXX XXXX XXXX This account was never late in XXXX. Payments were deferred under the CARES Act. Update immediately. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX payment history is inaccurate. I was protected under the CARES Act. Update immediately. 

XXXX XXXX XXXX I was never 30 days late in XXXX. Payments were deferred due to COVID. Update immediately. 

XXXX XXXX I was never 90 days late. Update to Paid as Agreed, Never Late. 

XXXX XXXX XXXX Duplicate reporting of the same account with conflicting information ( double jeopardy ). Delete immediately. 

XXXX XXXX Date of Last Activity is reported as XXXX  when the correct date is XX/XX/XXXX. Payment history is being reported on a closed account. Delete immediately. 

XXXX  XXXX Date of Last Activity and balance are incorrect. XXXX  has already deleted this unverified account. Remove immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: LA

Complaint narrative:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX SPRING OAKS CAPITAL LL is falsely reporting on my credit. I have never had any accounts with them. Per my researXXXX XXXX XXXX XXXX XXXX SPRING OAKS CAPITAL LL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: MI

Complaint narrative:
All three credit bureaus ( Experian, TransUnion, Equifax ) are reporting a XXXX  XXXX bankruptcy ( filed XX/XX/year> ). I disputed this record with each bureau, but they continue to report it as verified. 

The bankruptcy court does not furnish or verify information directly with the credit bureaus. Instead, the bureaus rely on third-party vendors such as XXXX and XXXX. However, my XXXX file is frozen, making it impossible for the bureaus to verify this record. 

Despite this, all three bureaus have marked the bankruptcy as verified. This is inaccurate, unverifiable, and a violation of FCRA 607 ( b ) ( maximum possible accuracy ) and 611 ( failure to properly investigate disputes ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: NJ

Complaint narrative:
I am disputing inaccurate reporting by XXXX XXXX and the three major credit bureaus ( XXXX, Equifax, and XXXX  ). 

XXXX reported several of my federal student loans as 30-, 60-, and 90-days delinquent between XX/XX/XXXXXXXX  and XX/XX/XXXX. However, these delinquencies are inaccurate. 

In XX/XX/XXXX, I contacted XXXX to request a forbearance to pause payments while I reviewed my repayment options. During this process, XXXX informed me that my account reflected past-due balances and stated they would apply an administrative forbearance backdated to XX/XX/XXXXXXXX  to bring the account current and prevent a large past-due balance. 

Despite applying this backdated forbearance, XXXX continued reporting late payments for XX/XX/XXXXXXXX  through XX/XX/XXXX. This is inaccurate and misleading. A borrower can not be simultaneously reported as in forbearance and 90 days delinquent for the same months. 

Furthermore, Federal Student Aid ( FSA ) records show that these loans were placed in forbearance effective XX/XX/XXXX, confirming that the accounts were not in active repayment during the period XXXX is reporting as delinquent. This discrepancy demonstrates a clear conflict between XXXX  furnished data and the Department of Educations official loan status. 

I disputed this information with XXXX, Equifax, and XXXX, providing documentation of the forbearance and the FSA records. Each bureau responded that the information was verified as accurate without addressing the inconsistency. 

I am requesting that XXXX  correct its furnishing and that all three credit bureaus remove the XXXX  XXXX XXXX delinquencies and update the accounts to reflect a Current or In Forbearance status, consistent with the Department of Educations records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: NJ

Complaint narrative:
I am disputing inaccurate reporting by XXXX XXXX and the three major credit bureaus ( Experian, XXXX, and XXXX  ). 

XXXX reported several of my federal student loans as 30-, 60-, and 90-days delinquent between XX/XX/XXXXXXXX  and XX/XX/XXXX. However, these delinquencies are inaccurate. 

In XX/XX/XXXX, I contacted XXXX to request a forbearance to pause payments while I reviewed my repayment options. During this process, XXXX informed me that my account reflected past-due balances and stated they would apply an administrative forbearance backdated to XX/XX/XXXXXXXX  to bring the account current and prevent a large past-due balance. 

Despite applying this backdated forbearance, XXXX continued reporting late payments for XX/XX/XXXXXXXX  through XX/XX/XXXX. This is inaccurate and misleading. A borrower can not be simultaneously reported as in forbearance and 90 days delinquent for the same months. 

Furthermore, Federal Student Aid ( FSA ) records show that these loans were placed in forbearance effective XX/XX/XXXX, confirming that the accounts were not in active repayment during the period XXXX is reporting as delinquent. This discrepancy demonstrates a clear conflict between XXXX  furnished data and the Department XXXX XXXX official loan status. 

I disputed this information with Experian, XXXX, and XXXX, providing documentation of the forbearance and the FSA records. Each bureau responded that the information was verified as accurate without addressing the inconsistency. 

I am requesting that XXXX correct its furnishing and that all three credit bureaus remove the XXXX XXXX XXXX  delinquencies and update the accounts to reflect a Current or In Forbearance status, consistent with the Department of Educations records.

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