vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-07-14 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: CT

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX XXXX XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$310.00} XXXXXXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} INQUIRIES : XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This will be the XXXX complaint Im filing regarding this matter. I am the primary account holder of a Capital One account and have been experiencing recurring issues relating to payment processing and account servicing for over XXXX years. Capital One frequently removes and reinstates the debit card payment option on my account. When the debit card option is available, my payments are processed immediately, and I am not charged any late fees. 
However, when the debit card payment option is removed ( without notice or reason ), I am forced to use the bank account payment method. In these cases, Capital One delays processing the payment often for several days or even weeks. During that delay other scheduled transactions may process in my bank account, and Capital One will then attempt to process my payment after the funds are no longer fully available, resulting in a partial failure and giving them grounds to assess a late fee. This appears to be a predatory practice that manipulates the timing of payments to trigger late fees, despite my timely attempts to pay. I have attempted to work with the company multiple times to resolve this and have maintained sufficient funds in my account at that time I submitted each payment. I have filed multiple CFPB complaints regarding this issue. Capital One has repeatedly closed my complaints by falsely claiming that I am not the authorized user, despite the fact that I am the primary account holder. I have documentation to prove this. 
When I contacted the CFPB after the companies misrepresentation, I was advised to follow up with Capital One directly. However, when I contact Capital One, I am told that because the complaint was filed through the CFPB, there is nothing they can do. This has created a loop of inaction and avoidance, which feels both negligent and deliberate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-07-14 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: MD

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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:
XXXX XXXX XXXX is reporting to Equifax credit bureaus that I owe a {$660.00} bill. This is fraudulent and needs to be removed. According to FCRA Section 605B this account needs to be removed within 4 days of reporting. Please remove account from my report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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 previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-07-14 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: TX

Complaint narrative:
I am writing to formally dispute several items currently listed on my Equifax credit report that are inaccurate, outdated, or unauthorized, and thus in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, the following accounts report payment histories that do not reflect my actual payment activity : XXXX XXXX ( Acct. No. XXXX ), XXXX XXXX ( Acct. No. XXXX ), XXXX XXXX ( Acct. No. XXXX ), and XXXX XXXX ( Acct. No. XXXX ). The alleged late payments are incorrect and were never incurred. These inaccuracies violate FCRA 1681e ( b ), which mandates that all credit information be reported with maximum possible accuracy, and 1681i, which provides consumers the right to dispute and correct incorrect entries. 

In addition, XXXX XXXX XXXX ( Acct. No. XXXX ) is showing a derogatory status despite being paid in full. This misreporting is not only inaccurate but also potentially in violation of the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1601, which was enacted to prevent unfair and deceptive credit billing practices. I request immediate correction or deletion of this account from my report unless you can provide documented evidence that supports its current status. Furthermore, the XXXXXXXX XXXX account contains multiple errors regarding the balance, payment status, and last payment date, all of which are harmful and misleading. Please correct or remove this data to comply with federal reporting requirements. 

Moreover, there are numerous unauthorized credit inquiries listed under my name which I did not initiate nor authorize. These include inquiries from : XXXX XXXX / XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ), XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX )XXXX XXXX ( XX/XX/XXXX )XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ( multiple dates ), XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX and several from XXXX XXXX ( multiple XXXX XXXX. These inquiries lack a permissible purpose under FCRA 1681b, which requires that credit inquiries be made only with the consumer 's consent or for a legitimate business reason. I request these unauthorized inquiries be deleted from my report immediately, as they were made without my knowledge or permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Ive tried calling them, but the automated system does not allow you to speak to anyone. I just need to get my report refreshed. I am trying to buy a car. And the dealership needs my report.

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 2025-07-14 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: FL

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 non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: PA

Complaint narrative:
I received a letter on XXXX from true accord, a debt collector, that XXXX XXXXXXXX submitted an outstanding debt of {$990.00} that was never paid. I never heard of XXXX XXXX. I called the debt collector and they notified me that XXXX was a buy now pay later company but XXXX XXXXXXXX was the company that made the charge using XXXX XXXX. I have never heard of XXXX XXXX and I have never made a purchase with them for XXXX. Also, I never use a buy now pay later option when making purchases. In addition, the letter was sent to my maiden name of XXXX XXXX, which I have not used for 10 years.

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 2025-07-14 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: NC

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I paid off the vehicle loan in full with TD Auto on XXXX XXXX. Despite multiple calls and requests to the lien-holder, I have not received the physical title for the vehicle. I have called them multiple times and have been told several times by representatives that the title was on the way but I have never received it. They even failed to send me the lean release letter after claiming that they sent it to me. 

This has caused significant inconvenience, including the inability to sell, transfer, and going through a difficult process in order to register my vehicle, this vehicle being my primary work car, The lien holder have failed to comply with the obligation to release the title upon payoff. I am requesting immediate resolution and release of the title.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: MI

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and XXXX  inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ), particularly XXXX XXXX. XXXX, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under XXXX XXXX. XXXX ( b ). The reporting of unauthorized data also breaches XXXX XXXX. XXXX, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
b'I sent a certified letter to Experian on XXXX with tracking # XXXX XXXX XXXX XXXX XXXX XXXX it shows the delivery date of XXXX XXXX XXXX XXXX in XXXX XXXX. The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts 1. XXXX  $0 account # XXXX. 2. XXXX XXXX XXXX XXXX XXXX account # XXXX 3. XXXX XXXX XXXX account # XXXX. & 4. XXXX XXXX XXXX XXXX account #: XXXX. Experian failed to respond. I sent another letter on XXXX which they failed to respond once again.'

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 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I.C. Systems, INC. XXXX I owe them {$380.00} for an Account that i have never opened and it is being reported on All XXXX Credit Bureau and tis is causing my to be denied for Credit and Higher Rates for Insurance and Business and Personal Credit .

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 2025-07-14 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: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-07-14 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I am writing to formally dispute and seek immediate resolution regarding the improper and retroactive hold placed on a cashiers check deposit made to my account at your institution. 

On XX/XX/XXXX, I deposited a cashiers check in the amount of {$95000.00} in person at one of your branch locations. At the time of deposit, I was provided with a receipt clearly stating that {$3400.00} would be made available immediately, and that the remaining balance would be available on XX/XX/XXXX. This availability schedule was also verbally confirmed by the teller who processed the transaction. 

In accordance with 12 CFR 229.10 ( c ) ( 1 ) ( v ) of Regulation CC, cashiers checks deposited in person to an employee of the bank and into an account held by the payee are generally subject to next-business-day availability, unless an exception under 12 CFR 229.13 applies. No such exception was disclosed to me at the time of deposit, nor was I provided with any written notice of delayed availability as required under 12 CFR 229.13 ( g ) ( 1 ). 

On XX/XX/XXXX, I reviewed my online banking portal, which reflected that the full deposit had cleared and was available. Relying on this representation, I proceeded to pay several bills from the account. However, on Monday, XX/XX/XXXX, I discovered that my account was showing a negative balance of approximately {$43000.00}, due to the bank having retroactively placed a hold on the deposited funds. 

Upon contacting your customer service department, I was informed that the funds would not be available until XX/XX/XXXX, XXXX days after the depositwithout any prior written or electronic notice. This action not only contradicts the initial funds availability disclosure but also violates the notification requirements under Regulation CC. 

I have maintained a longstanding relationship with your institution since approximately XXXX, and I have never experienced such a breach of trust or regulatory compliance. Furthermore, my mortgage payment is scheduled to be withdrawn on XX/XX/XXXX, and I have never missed or been late on a payment. This delay places me at risk of serious financial harm, including potential damage to my creditworthiness.

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