vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one is reporting and furnishing incorrect information to credit bureau. My name is spelled XXXX XXXX. Its not Spelled XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: AL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center.

regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-11-06 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: AZ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: CA

Complaint narrative:
Dear TransUnion, I am a consumer working to fix my credit and am disputing several items listed on my credit report. I respectfully request a thorough investigation in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : Bankruptcy, XXXX, XXXX, {$0.00} XXXX XXXX, XXXX, XXXX, {$0.00} I am disputing these charged-off accounts. Please verify the accuracy of these items and remove them if they can not be validated. 

Inquiries : XXXX  XXXX, XXXX I request that this inquiry be verified. If it can not be verified or is inaccurate, please remove it from my report. 

Late Payments : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-11-06 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:
I am disputing several accounts and inquiries on my Equifax credit report that I believe may be inaccurate or incomplete. I request that these items be thoroughly investigated and corrected or removed if they can not be verified.

Charged Off Accounts : XXXX XXXX XXXX, XXXX, XXXX, {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, {$680.00} XXXXXXXX XXXX XXXXXXXX, XXXX, {$6100.00} CAPITAL ONE, 5XXXX, XXXX, {$500.00} XXXX XXXXXXXX, XXXX, {$1300.00} XXXX XXXX XXXX, XXXX, {$540.00} XXXXXXXX XXXX XXXXXXXX, XXXX, {$550.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX {$1100.00} Inquiries : XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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:
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 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 2025-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/XXXX, my wife was a victim of a scammer who fraudulently presented as an employee of Bank of America, purportedly investigating an attempted transfer. Scammers social engineered her into transferring money out of a joint account at BoA to another institution. On the same day, during business hours, she went to the BoA branch, where she determined the contact was a scam and worked with an Assistant Manager and the Fraud Department to prevent the transfer from occuring. All parties agreed that the transfer was fraudulent and not desired and would be prevented from occurring. Nevertheless, the transfer was made on XX/XX/XXXX out of our account. 

I claim that BoA was professionally negligent and bears responsibility for acting unethically or unprofessionally for assuring us the transfer would be stopped when it was not stopped. 

Furthermore, the form BoA sent to us to launch an investigation implies that we must agree to hold the bank harmless from any responsibility and any reparations or actions offered are purely at the bank 's convenience. This is offensive.

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 2025-11-06 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: FL

Complaint narrative:
I am writing to formally dispute multiple inaccurate items on my Equifax credit report. I respectfully request a thorough investigation of these items in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 607 ( b ) and 611, which mandate that all information reported must be accurate and verifiable. Below are the details of the disputed accounts : Charged Off Account Name : XXXX  Account Number : XXXX Date Reported : XX/XX/year>XXXX  Balance : {$0.00} Dispute Reason : This account is inaccurately reported as charged off with no outstanding balance. It is my assertion that this account should not be marked as charged off, and I request its removal or correction. 

Late Payment Account Name : XXXX Account Number : XXXX Dispute Reason : The late payment reported is incorrect. This account has been paid on time consistently, and any reported late payments are erroneous. I respectfully request that this be corrected. 

Account Name : XXXX Account Number : XXXX Dispute Reason : Similarly, the reported late payment on this account is inaccurate. I request immediate investigation and correction to reflect timely payments. 

Account Name : XXXX XXXX  Account Number : XXXX Dispute Reason : The late payment on this account is not a true reflection of my payment history. Please correct this information and remove the inaccurate late payment. 

Account Name : XXXX XXXX Account Number : XXXX Dispute Reason : I contest the late payment reporting. All payments were made on time, and I request immediate correction of this entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have no knowledge of such inquiries, so this one seems to be unlawful and a unauthorized. Please resolve this issue as soon as you can. Thanks.

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am requesting a re-investigation of the inaccurate information that continues to be reported on my credit report. I have previously disputed this account multiple times, yet the data remains unverified and incorrect. This violates the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy and to remove or correct any unverifiable information. Please re-investigate this matter and delete all inaccurate reporting immediately to remain in compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-06 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: FL

Complaint narrative:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-11-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: AL

Complaint narrative:
I went to the XXXX company to buy a car and they sold me a car that didn't work and in very bad condition, I went to complain and they told me that they couldn't do anything. They told me that the car had a warranty if something happened to it and the car broke down in less than 30 days I went to claim and they didn't want to fix the car so I returned the car to them and they didn't accept it I went to claim it and they didn't attend to me. They refused to give me any fix. So that was a scam on the part of the company in which I bought the car and therefore I'm not going to pay a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MIDFIRST BANK
State: LA

Complaint narrative:
I am writing to formally dispute the reporting of late mortgage payments on my credit report for my loan account # XXXX [ Account Number ]. These late payments occurred during the height of the COVID-19 pandemic. Due to the unforeseen financial hardship caused by the pandemic, I was unable to make timely payments during that period. 

Since that time, I have made consistent, on-time payments for the past three years and have since paid the mortgage in full. I believe this demonstrates my commitment to financial responsibility and maintaining a positive credit history. 

Given the extraordinary circumstances surrounding COVID-19 and my consistent payment record thereafter, I kindly request that you consider removing or adjusting the late payment entries from my credit report as a goodwill gesture. This adjustment would more accurately reflect my long-term payment behavior and financial reliability. 

Please review my account and confirm receipt of this request. I would appreciate a written response regarding your decision. I have included documentation of my payment history and loan payoff confirmation for your reference. 

Thank you for your time, understanding, and consideration.

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 2025-11-06 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: GA

Complaint narrative:
i have reviewed my credit report and found these unverified items. 
please remove, update or correct these items.

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email Address XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: GA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute certain negative items on my credit report, which I obtained from your bureau. I have identified discrepancies and inaccurate information regarding my account ( XXXX ) that I would like to have investigated and corrected. 
Upon reviewing my TransUnion report, I found the following negative items : XXXX. XXXX XXXX Charge-Off Account o Balance : {$250.00} o Account Status : Charge-Off o I dispute the charge-off status and request that you verify this account. If you can not provide sufficient evidence, I request that this be removed from my credit report. 
XXXX. XXXXXXXX XXXX XXXX  Account o Balance : {$1100.00} o I believe this account may be incorrectly reported, and I request that you verify the details of the collection account. 
XXXX. Late Payments on XXXX XXXX Account o Several payments on this account are reported as late, including 30 days and 90 days past due. I dispute these late payments and request verification of these 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
Consumer complaint received 2025-11-06 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Started making payments on my synchrony rooms to go account since XX/XX/XXXXXXXX  and the balance was {$3000.00} every month we would pay {$56.00} for the minimum payment today XX/XX/XXXXXXXX  the balance is still {$2800.00} and they are saying we were signed up to a card security that we did not know about and now they will not give me the refund back when we knew that the balance should now he {$1400.00} if they did not take the payments we have been doing since 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 explanation
Consumer complaint received 2025-11-06 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: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXXX/XX/year> This is not my account my information was involved in a data breach and was stolen and used its multiple inquiries as well

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: FL

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may 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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
i have reviewed my credit report and found these unverified items. 
please remove, update or correct these items.

Company response to consumer: Closed with explanation