vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
Fraudulent inquiries reporting to my credit report XXXX Inquiry : XXXX XXXX, XXXX Banks XXXX  Inquiry : XXXX. XXXX, XXXX Finance/Personal XXXX  Inquiry : XXXX. XXXX, XXXX Finance/Personal XXXX Inquiry : XXXX. XXXX, XXXX Finance/Personal XXXX Inquiry : XXXX. XXXX, XXXX Banks XXXX XXXX Inquiry : XXXX. XXXX, XXXX Banks XXXX XXXX Inquiry : XXXX. XXXX, XXXX Banks XXXX  XXXX Inquiry : XX/XX/XXXX Banks XXXX  Inquiry : XX/XX/XXXX Banks XXXX  Inquiry : XXXX. XXXX, XXXX Finance/Personal XXXX  Inquiry : XXXX. XXXX, XXXX Finance/Personal XXXX  Inquiry : XXXX. XXXX, XXXX Finance/Personal XXXX  XXXX Inquiry : XXXX. XXXX, XXXX Finance/Personal XXXX Inquiry : XXXX. XXXX, XXXX Finance/Personal XXXX XXXX Inquiry : XXXX. XXXX, XXXX Credit Unions and Finance Companies Other Than Personal Finance Companies XXXX  Inquiry : XXXX. XXXX, XXXX Finance/Personal XXXX Inquiry : XXXX. XXXX, XXXX Banks XXXX XXXX Inquiry : XXXX. XXXX, XXXX Credit Unions and Finance Companies Other Than Personal Finance Companies XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Finance/Personal XXXX Inquiry : XXXX. XXXX, XXXX Finance/Personal XXXX XXXX Inquiry : XXXX. XXXX, XXXX Banks XXXX Inquiry : XXXX. XXXX, XXXX Banks XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX Automotive XXXX XXXX Inquiry : XXXX. XXXX, XXXX Credit Unions and Finance Companies Other Than Personal Finance Companies XXXX XXXX Inquiry : XXXX. XXXX, XXXX Credit Unions and Finance Companies Other Than Personal Finance Companies XXXX XXXX  Inquiry : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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:
On or about XXXX I submitted an online dispute of a collection account # XXXX on my Experian Credit report. I requested the company verify the the accuracy of the information and the method of verification with the name address and phone number of the person verifying the accuracy of the information. Experian did not supply me with the requested information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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:
On or about XXXX I submitted an online dispute of a collection account # XXXX on my Experian Credit report. I requested the company verify the the accuracy of the information and the method of verification with the name address and phone number of the person verifying the accuracy of the information. Experian did not supply me with the requested 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 2025-11-20 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: IL

Complaint narrative:
To the Consumer Financial Protection Bureau I am filing this complaint because multiple companies and credit bureaus are reporting inaccurate, unverified, misleading, and unlawful information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and all applicable federal consumer protection LAW. I have repeatedly requested verification and proper investigation, but the data furnishers continue to report false information that damages my credit profile, financial standing, and personal rights. The following items are disputed and require immediate CFPB intervention. 
XXXX XXXX XXXX Acct : XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$2200.00} Collection * * Issue : I have NO knowledge of this account. I never signed any contract, agreement, or consent with this company. They failed to provide ANY written validation. This balance is not mine and appears to be falsely attached to my identity. This collection is 100 % unverifiable and must be REMOVED immediately. 
REQUEST TO CFPB ( WHAT I NEED ) I request that CFPB open a full investigation into each of these companies and require them to provide VALIDATION, CONTRACTS, SIGNED AGREEMENTS, PROOF OF DELIVERY, ITEMIZED BILLING, and LEGAL DOCUMENTATION for every account reported under my name. If they can not produce legal proof, I request immediate DELETION or CORRECTION of all inaccurate items. I request enforcement for violations of FCRA 602, 607, 611, 623 and FDCPA validation requirements. I request written confirmation of the actions taken.

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 2025-11-20 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: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate information on my Experian credit report. The following accounts in dispute do not reflect accurate reporting under the Fair Credit Reporting Act ( FCRA ). I am requesting these accounts be reviewed and corrected as appropriate. 

Charged Off Accounts : XXXX XXXX  ( Account Number : XXXX ) Reported Balance : {$580.00} Opened : XX/XX/XXXXXXXX XXXX ( Account Number : XXXX ) Reported Balance : {$1900.00} Opened : XX/XX/XXXX XXXX XXXX ( Account Number : XXXX ) Reported Balance : {$5800.00} Opened : XX/XX/XXXX XXXX  ( Account Number : XXXX ) Reported Balance : {$93.00} Opened : XX/XX/XXXX XXXX  ( Account Number : XXXX ) Reported Balance : {$640.00} Opened : XX/XX/XXXX Inquiries : XXXX XXXX ( Inquiry Date : XX/XX/XXXX ) XXXX XXXX ( Inquiry Date : XX/XX/XXXX ) XXXX XXXX XXXX ( Inquiry Date : XX/XX/XXXX ) XXXX XXXX XXXX ( Inquiry Date : XX/XX/XXXX ) XXXX XXXX  ( Inquiry Date : XX/XX/XXXX ) XXXX XXXX ( Inquiry Date : XX/XX/XXXX ) XXXX XXXX ( Inquiry Date : XX/XX/XXXX ) XXXX XXXX XXXX ( Inquiry Date : XX/XX/XXXX ) XXXX ( Inquiry Date : XX/XX/XXXX ) Late Payments : DEPTEDXXXX ( Account Number : XXXX ) Reported Late Payments

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 2025-11-20 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: LA

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 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 2025-11-20 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 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. 

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 2025-11-20 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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:
The Fair Credit Reportin Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon gfair 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 2025-11-20 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: GA

Complaint narrative:
The Fair Credit Reportin Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon gfair 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: CBC Companies, Inc.
State: AR

Complaint narrative:
I am a victim of identity theft. Attached are my FTC Identity Theft Report, identity documents, and legal demand under FCRA 605B ( 15 U.S.C. 1681c-2 ). I demand the immediate deletion of all fraudulent accounts listed in my letter within 4 business days, as required by federal law. Failure to comply will result in me filing formal complaints with the CFPB, FTC, State Attorney General, and pursuing civil litigation for willful noncompliance under FCRA 616 & 617. You are legally obligated to block and permanently delete this information. Any refusal, failure, or delay will be treated as intentional violation of my consumer rights, exposing INNOVIS DATA SOLUTIONS, INC. to statutory, actual, and punitive damages, including attorneys fees. I expect written confirmation once deletions are complete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
They allowed someone ( XXXX  ) in California to charge my card 11 times for the same amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: VA

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 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
This complaint concerns Capital Ones failure to conduct a legally required billing dispute investigation under the Fair Credit Billing Act ( FCBA ). I submitted a valid dispute based on an incorrect charge and a merchant refusing cancellation prior to shipment. Capital One repeatedly closed my dispute without reviewing the documentation I provided, despite multiple submissions. 



Facts of the Transaction 1. I placed an order with XXXX  on XX/XX/year>. 
2. A discount code was entered correctly, but the merchants system failed to apply it. 
3. I notified the merchant immediately and requested either : Correction of the amount charged, or Cancellation of the order before shipment.

4. The merchant refused both options.

5. The merchant then stated in writing that my order was being held unless I agreed not to dispute the charge. 
6. At the time I filed the dispute with Capital One, the product had not shipped, and the charge was incorrect.

7. The merchant shipped only after the dispute was filed, which does not eliminate the original billing error. 

This is a textbook FCBA dispute : incorrect amount, refusal to cancel before shipment, and merchandise not received at the time of dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: CO

Complaint narrative:
I am disputing the following accounts as inaccurate, incomplete, and unverifiable, as they are impacting my credit score and financial standing. These accounts were either reported incorrectly or are not fully reflecting the accurate status according to the Fair Credit Reporting Act ( FCRA ). Please investigate the following accounts and provide the necessary corrections or removal : Charged-Off Accounts : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXXXXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXXXXXX, Opened : XX/XX/XXXX, Balance : {$540.00} XXXX - XXXX, Opened : XX/XX/XXXX, Balance : {$15000.00} XXXX - XXXX, Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX - XXXX, Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXXXXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX, Opened : XX/XX/XXXX, Balance : {$2600.00} XXXX CARD - XXXX, Opened : XX/XX/XXXX, Balance : {$15000.00} XXXX XXXX - XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXX - Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TN

Complaint narrative:
It was 3 transaction to XXXX XXXXXXXX XXXX XXXX for a car sales and shipping which I still having receive! I have dispute these transaction and keep getting denied when all I want is my money back!!! She assured me it would take 5days for the delivery I still have no car!!! I recently found her on XXXX promoting car approvals for XXXX I dont know this lady its only those 3 transaction with her all I want is my money so I Can get me car.I think cash app is wrong theyve denied me at least 5times I should them proof that this girl is a scammer! Cash app need to refund me my XXXX thats to much money just to give somebody I dont know!!! She stop communicating after I made payment on the XX/XX/XXXX and XXXXThank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/year> an inquiry popped up on my Trans Union from XXXX XXXX  called them and ask them about it and still have not heard from them and they told me they would get back to 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 non-monetary relief
Consumer complaint received 2025-11-20 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:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE.

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA. 

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. 

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

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