vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 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: IL

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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:
I am disputing the presence of entries related to accounts not initiated by me. Kindly perform a comprehensive audit and eliminate them. Evidence is attached.I hereby challenge the legitimacy of items tied to unapproved accounts on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: TX

Complaint narrative:
I dispute the legitimacy of listed accounts that were not initiated by me. Kindly complete a detailed investigation and strike them from my file. Supporting documents are enclosed.

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 2025-10-16 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: CA

Complaint narrative:
This reported item does not align with my financial record and seems to be erroneous. Kindly review it and update my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Auto Advantage Finance, LLC
State: OK

Complaint narrative:
Verbal acceleration of a loan with no cure notice required by law. No written notice of any kind just harassing phone calls several times a day at times. Increased the payoff amount over the phone with no explanation. The payment sheet does not add up to what the small payoff amount should be. Charged late fees even though their website specifically says that no late fees will be charged. Also, lenders tracker damaged my XXXX ; they wont repair despite agreeing to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Dave Operating, LLC
State: MI

Complaint narrative:
I have made a request to revoke my previously approved ACH withdraw scheduled for XX/XX/year>. I made this request to Dave and they have denied my request even though this is a clear violation of Federal law.

I alerted Dave of this and that they must obliged my request. The customer support rep then said he would escalate my request. Since then I have not received a response. I even sent a follow up request which has remained unanswered.

Given the short term of this loan, I feel it is possible that Dave may be stalling acknowledging my request until it is too late for them to take action. Please see the attached for my communication transcript with Dave.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " XXXX XXXX XXXX XXXX savings accounts. Capital One misrepresented the XXXX Savings account as having XXXX of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX XXXX XXXX account. This deliberate obscurity and lack of transparency violated XXXX XXXX and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Formal Request for Action Pursuant to these statutes, I am hereby demanding that Equifax, TransUnion, and Experian : Immediately remove and permanently block any hard inquiries that were not authorized by me ; Reinvestigate and verify the origin of these inquiries under 15 U.S.C. 1681i ( a ) ; Provide written confirmation that these inquiries have been deleted from my file ; and Cease and desist from reporting or releasing information connected to any unauthorized or fraudulent credit activity. 
I have attached the following documentation to substantiate my claim : FTC Identity Theft Report ; Police Report from XXXX Police Department ; Copy of my government-issued ID ; Proof of address ( utility bill, lease, etc. ). 
Notice of Rights You are required by law to conduct a good faith investigation and respond within XXXX  days of receipt of this letter. Failure to comply may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and civil legal action under the provisions of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

* 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  While looking at my Experian credit report, I noticed some things that are incomplete or are not accurate or fraudulent. According to the FCRA 15 USC 1681E ( b ), whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. 1681s-2 outlines the responsibilities of furnishers of information to consumer reporting agencies under 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 explanation
Consumer complaint received 2025-10-16 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-16 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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:
I am submitting this statement to exercise my rights under XXXX5 U.S.C. 1681, part of the Fair Credit Reporting Act ( FCRA ), which was established to ensure the accuracy, fairness, and privacy of personal information collected by consumer reporting agencies. According to this federal statute, consumers are entitled to credit reports that are fair, accurate, and kept confidential. The law requires that consumer reporting agencies maintain procedures that assure maximum possible accuracy of the information they report. I am disputing inaccurate, outdated, or unverifiable information that is currently being reported on my credit file. I did not authorize the reporting of this information, and it does not reflect my true credit history. Therefore, I am requesting a prompt investigation and the removal or correction of any and all information that violates my rights under 15 U.S.C. 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I am disputing the way SYNCB is reporting a charge-off on my credit report because they failed to provide me with the legally required notices before furnishing derogatory information. Under the Fair Credit Reporting Act, they were required to send me both a XXXX XXXX Notice under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( FCRA 623 ( a ) ( 7 ) ) and an Adverse Action Notice under 15 U.S.C. 1681m ( FCRA 615 ), yet I never received either one. The account, SYNCB, with account XXXX XXXX XXXX XXXX XXXX XXXX reported positively for a period of time, but after delinquency it was charged off and derogatory data began appearing on my consumer report without the legally mandated warnings. The absence of a XXXX XXXX Notice denied me the chance to address the debt before damage occurred, and the absence of an Adverse Action Notice denied me my right to review, obtain, and dispute my credit report. These failures violate the FCRA and render the charge-off reporting unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Soc Sec XXXX XXXXXXXX Subject : Complaint Regarding Inaccurate Student Loan Reporting by Transunion During Approved Forbearance Dear Consumer Financial Protection Bureau , I am submitting this formal complaint regarding Transunion inaccurate reporting of late payments on my XXXX  student loan, which occurred during a period in which I was enrolled in an approved forbearance. 

Despite my loan being in forbearance from XX/XX/XXXX, Transunion has reported XXXX or more late payments during this time frame. This information is false, and it is negatively impacting my credit profile and financial standing. 

Violations of Federal Law This inaccurate reporting appears to violate multiple federal laws and regulations, including : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to maintain procedures to ensure the maximum possible accuracy of information.

15 U.S.C. 1681i : Provides consumers the right to dispute inaccurate information and mandates a timely reinvestigation. 
15 U.S.C. 1681s-2 ( a ) : Requires data furnishers, including loan servicers, to accurately report payment history and correct errors. 
XXXX XXXX XXXX of XXXX ( XXXX  ) and Related Regulations XXXX XXXX. XXXX : Requires accurate and complete reporting of federal student loan information to consumer reporting agencies. 
XXXX C.F.R. XXXX ( k ) : Prohibits loan servicer from reporting a loan as delinquent when it is in an approved forbearance. 
XXXX C.F.R. XXXX ( b ) ( XXXX ) ( ii ) : Requires guaranty agencies to accurately and timely update the loans credit reporting status. 

Summary of Issue Loan Servicer : XXXX XXXX XXXX. 
Credit Bureau XXXX : Transunion Servicer Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Disputed Reporting : Late payment ( XXXX ) reported during approved forbearance period Forbearance Period : XX/XX/XXXX Date of Discovery : XX/XX/XXXX 2025

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 2025-10-16 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: SC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-16 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : XXXX  Formal Dispute Demand for Deletion under 15 U.S.C. 1681e ( b ), 1681i, 1681i ( a ) ( 5 ) Account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : This is my XXXX formal dispute of the above XXXX account. Despite multiple reinvestigations, TransUnion continues to report inconsistent and unverifiable data in violation of the Fair Credit Reporting Act. 

Inaccuracies Identified : Date Opened : XX/XX/XXXX ( TransUnion ) vs. XX/XX/XXXX ( XXXX  ) Account Type : Reported as Installment, yet XXXX accounts are telecommunications billingnot loans or lines of credit. 
Account Balance : {$360.00}, despite a {$0.00} payment arrangement and no verified contract provided. 
Account Status : Derogatory with no verified delinquency documentation or billing statement from XXXX. 

These contradictions prove TransUnion has failed to ensure maximum possible accuracy ( 1681e ( b ) ) and has not obtained verifiable evidence from the furnisher ( 1681i ( a ) ( 5 ) ( A ) ). 

I demand : XXXX. Permanent deletion of this XXXX account from my credit file. 
XXXX. Written confirmation within the statutory timeframe. 
XXXX. Notification to XXXX  CRAs and furnishers of this deletion ( 1681i ( a ) ( 5 ) ( D ) ).

4. A free updated report reflecting deletion ( 1681i ( a ) ( 6 ) ( B ) ( ii ) ).

If TransUnion continues to verify unverifiable data, I will include this letter and exhibits in my CFPB and FTC complaints for willful noncompliance ( 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