vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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: NJ

Complaint narrative:
I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : XXXX. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
XXXX. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
XXXX. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
XXXX. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S.

Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: NJ

Complaint narrative:
I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : XXXX. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
XXXX. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
XXXX. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
XXXX. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S.

Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I financed a rental car through Affirm for a XXXX XXXX with the rental company XXXX ( Loan ID : XXXX ). The vehicle was never delivered to me at all. Affirm still paid XXXX upfront even though I did not receive the rental. 
When I disputed the charge, Affirms system showed : Cancellation or return not processed. This proves I attempted to cancel, but XXXX did not process it correctly, and I never received the service. 
Even though I received nothing, XXXX continued to charge me and reported the account as past due on my credit report. I even made a payment of {$450.00} on XX/XX/XXXX, but XXXX still reported incorrect balances and late payments, causing damage to my credit score. 
This is a billing error under the Fair Credit Billing Act ( FCBA ) and a violation of the Fair Credit Reporting Act ( FCRA ) because Affirm is reporting inaccurate and incomplete information about a debt for services I never received.

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 2025-11-21 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: CA

Complaint narrative:
Dear CFPB, I am filing a complaint against XXXX XXXX XXXX for failing to conduct a reasonable and legally sufficient investigation into my dispute and for verifying inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 
What happened? On or about XX/XX/year>, I sent a formal written request for validation of an account XXXX XXXX XXXX was reporting on my credit file ( Account # XXXX ). In my letter, I cited my rights under the FCRA ( Sections 609, 611, and 623 ) and specifically requested : The complete method and process used to verify the account. 
All correspondence and documents from the data furnisher. 
Copies of any agreements bearing my signature. 
On XX/XX/year>, I received a response ( Report # XXXX ) stating that the information had been " verified as accurate. '' However, XXXX XXXX XXXX provided XXXX evidence or documentation to prove the debt is valid or that they actually performed a proper investigation. They simply verified the account without substantiating its legality or accuracy. 
Therefore, I am demanding : Immediate deletion of this account from my credit file under FCRA 611 ( a ) ( 5 ) ( A ) because the furnisher and CRA failed to validate the information within the required timeframe. 
If this account is not deleted within XXXX  days, I will file : A CFPB complaint A complaint with the Attorney General A complaint with the FTC A civil claim for willful non-compliance under FCRA XXXX and XXXX I expect full removal and written confirmation for is account ending in ( XXXX ) from all of my credit reports. 
The FCRA requires credit bureaus to conduct a reasonable investigation when a consumer disputes information. By verifying this account without providing any of the requested proofsuch as a signed agreement or verification of their processNational XXXX XXXX has failed its legal obligation. The account can not be verified, is inaccurate, and must be removed. 
Supporting Documents will be attached to this complaint : XXXX. A copy of my formal validation request letter dated XX/XX/year>. 
XXXX. A copy of the XXXX XXXX XXXX response dated XX/XX/year>, which shows they verified the account without providing proof. Because neither XXXX XXXX XXXX nor the credit bureau has provided any verifiable documentation, you are now in continued non-compliance with 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 2025-11-21 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: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/XXXX, an unknown individual ( s ) was granted a revolving credit card by Pentagon Federal Credit Union ( PFCU ) in the amount of {$25000.00} and listed me as an " authorized user '' without my knowledge or consent. I became aware of this when applying for an XXXX  loan with PFCU for the purpose of getting a new roof on my home, which was subsequently denied. The account first became delinquent XX/XX/XXXX, and was closed by PFCU XX/XX/XXXX, due to nonpayment. I have made numerous calls to the PFCU mortgage dept and kept being told that Equifax has to fix it as they are the one who is reporting it. Equifax says that PFCU has to fix it as they are the ones who granted the loan. I have filed at least XXXX disputes with Equifax and the only change they have made is to change it from an " authorized user '' to " association terminated. '' I am not sure what that even means. I was also told that there is no record that I have ever used this account ( and I do not even know the account # and have never had a card to use it ). Equifax is still reporting this information as accurate and that the item belongs to me!!! On XXXX XXXX, XXXX, the PFCU sent me a letter stating that there is no evidence of any 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 2025-11-21 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: VA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint because the following accounts are reporting on my credit file but none of them belong to me. I never opened these accounts, I have no knowledge of them, and they belong to someone else with the same or similar name. The reporting is inconsistent across bureaus, with different balances, account numbers, and statuses, which is factually incorrect and legally actionable. This is a classic case of mixed-file errors and negligent reporting, exactly what courts have flagged : Cortez v. TransUnion, XXXX XXXX XXXXXXXX, and TransUnion XXXX XXXX, XXXX. 

XXXX XXXX XXXX XXXX  Account # CLXXXX ( Experian ), XXXX ( Equifax ), XXXX ( TransUnion ) Balances : Experian {$3500.00}, Equifax {$3200.00}, TransUnion {$3600.00}. Account numbers differ between bureaus. This is NOT MINE, I have no knowledge of this account, and it belongs to someone else with the same or similar name. This reporting is absurd, outrageous, and factually incorrect. I request deletion immediately. 

XXXX XXXX XXXX Account # XXXX ( Equifax ), Account # XXXX ( TransUnion ) Balances : {$12000.00} reported, Equifax shows {$10000.00}. TransUnion shows no account number. This is NOT MINE, I have no knowledge of this account, and it belongs to someone else with the same or similar name. This reporting is factually wrong and must be deleted immediately. 

XXXX / XXXX XXXX Account # XXXX ( Experian ), Account # XXXX ( Equifax ) This is NOT MINE, I have no knowledge of this account, and it belongs to someone else with the same or similar name. Reporting is inconsistent and factually erroneous. Delete immediately. 

XXXX XXXX XXXX Account # XXXX ( Experian ) Balance {$5500.00}. This is NOT MINE, I have no knowledge of this account, and it belongs to someone else with the same or similar name. The data is factually wrong and must be removed. 

XXXX XXXX Account # XXXX ( Experian and TransUnion ) Balance {$240.00}. This is NOT MINE, I have no knowledge of this account, and it belongs to someone else with the same or similar name. Delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: CA

Complaint narrative:
I am submitting this complaint because the following accounts are reporting on my credit file but none of them belong to me. I never opened these accounts, I have no knowledge of them, and they belong to someone else with the same or similar name. The reporting is inconsistent across bureaus, with different balances, account numbers, and statuses, which is factually incorrect and legally actionable. This is a classic case of mixed-file errors and negligent reporting, exactly what courts have flagged : Cortez v. TransUnion, XXXX XXXX XXXXXXXX, and TransUnion XXXX XXXX, XXXX. 

XXXX XXXX XXXX XXXX  Account # CLXXXX ( Experian ), XXXX ( Equifax ), XXXX ( TransUnion ) Balances : Experian {$3500.00}, Equifax {$3200.00}, TransUnion {$3600.00}. Account numbers differ between bureaus. This is NOT MINE, I have no knowledge of this account, and it belongs to someone else with the same or similar name. This reporting is absurd, outrageous, and factually incorrect. I request deletion immediately. 

XXXX XXXX XXXX Account # XXXX ( Equifax ), Account # XXXX ( TransUnion ) Balances : {$12000.00} reported, Equifax shows {$10000.00}. TransUnion shows no account number. This is NOT MINE, I have no knowledge of this account, and it belongs to someone else with the same or similar name. This reporting is factually wrong and must be deleted immediately. 

XXXX / XXXX XXXX Account # XXXX ( Experian ), Account # XXXX ( Equifax ) This is NOT MINE, I have no knowledge of this account, and it belongs to someone else with the same or similar name. Reporting is inconsistent and factually erroneous. Delete immediately. 

XXXX XXXX XXXX Account # XXXX ( Experian ) Balance {$5500.00}. This is NOT MINE, I have no knowledge of this account, and it belongs to someone else with the same or similar name. The data is factually wrong and must be removed. 

XXXX XXXX Account # XXXX ( Experian and TransUnion ) Balance {$240.00}. This is NOT MINE, I have no knowledge of this account, and it belongs to someone else with the same or similar name. Delete immediately.

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 2025-11-21 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Issue : Improper handling of a disputed charge ; failure to process a billing error ; repeated run-around between TD Bank ( issuer of the Target  XXXX ) and XXXX. 

Complaint : I am filing a complaint regarding TD Bank, the issuer of the Target  XXXX, for failing to properly handle a dispute related to a duplicate charge from a voided Target  return. 

On XX/XX/XXXX, I returned XXXX items to the XXXX XXXX XXXX Target Store # XXXX totaling {$1600.00} ( purchases : XXXX XXXX on XX/XX/XXXX for {$1100.00} ; XXXX XXXX on XX/XX/XXXX for {$100.00} ; XXXX XXXX on XX/XX/XXXX for {$360.00} ). During the return, Targets system voided the refund mid-process, causing my account to be charged again immediately. The return shows as refund posted then immediately post-voided, leaving me with a posted charge but no refund. 

I visited the store XXXX additional times ( Tue night and Fri morning ) and spoke with XXXX ETLs who confirmed they see the items returned but can not process a refund due to an internal system issue. I have also contacted Target escalation support XXXX times and received multiple case IDs ( XXXX, XXXX, XXXX ) with no resolution. 

When I contacted during the process, TD Bank RedCard support repeatedly refused to open a dispute or Payment Research request and instead kept transferring me back to Target customer serviceeven after I explained that the charge is posted, the return was voided, and Target could not correct it. TD Bank failed to follow required billing-error procedures and declined to investigate. 

I am requesting the CFPBs assistance to : Require TD Bank to open and investigate the duplicate charge dispute. 

Remove or correct the improperly posted charge. 

Prevent further delays caused by TD Bank sending me back to Target  instead of handling the billing error as required under Regulation Z. 

I can provide receipts, XXXX statements, and documentation of all store visits and case IDs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
XXXX AT XXXX REPRESENTED BY RENT DEBT IS REPORTING A COLLECTION ON MY CREDIT REPORT ON TRANSUNION. THE OTHER XXXX BUREAUS ARE NOLT REPORTING THIS AND IT IS DUE TO ITS INACCURATE INFORMATION. 

I AM WRITING TO YOU TO RESOLVE THIS AFTER SEVERAL ATTEMPTS TO RESOLVE THIS WITH THEW CREDIT BUREAUS I HAVE REACHED THE POINT OF EXHAUSTION. 

THIS HAS NOT BEEN VERIFIED OR VALIDATED AND I NEED THIS DELETED IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX got a Cashiers CheckXX/XX/XXXX $XXXX  from Capital One Bank,  XXXX XXXX XXXX, XXXX XXXX NY XXXX  Tel: XXXX XXXX XXXX went to change it updated for new check new date in XXXX XXXX. The Capital One Associate refuse to do it, (XXXX), because this check never expires. \nToday the Capital One (XXXX) refuse to change refuse to cash it and refuse to deposit because the check is Expired. Capital one is stealing the money. XXXX XXXX said my money was transferred to NY state. I called Capital one Customer Service, (XXXX) said the my money is lost because no documents about any transfer to NY State\nI contact NYstate @unclaimed funds by phone and (XXXX) ask me for SS number, name, DOB, address, check Number,  Bank, amount etc and She confirmed Capital One Bank, has never transfer anything on my name. Capital One Associates XXXX (supervisor) XXXX, XXXX refuses to give me a proof of Funds Transfer. Capital One never contacted me or Notified me about-any transfer. The Bank Never reported to state about unclaimed funds on my name, and never transferred. The Capital One are stealing my money'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: NM

Complaint narrative:
INACCURATE LATE PAYMENTS.I HAVE NEVER BEEN LATE ON THE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
I was granted a forbearance that expired XX/XX/2025. I resumed making regular monthly payments at that time, and applied for assistance via loss mitigation for the amount remaining amount owed during the forbearance. I was granted a deferment by Freedom Mortgage, but was subsequently rejected because I didnt make an additional payment in XX/XX/2025 ( XXXX payments within XXXX  month ). The reason I didnt make the additional payment in XX/XX/2025 was because the representatives ( I spoke to several over the course of a month ) said I didnt have to make that additional payment. I was only required to make the XXXX payment I had submitted XX/XX/2025. In order to qualify for deferment, you had to be no more than XXXX  months delinquent. I was within that range. The representatives repeatedly said, it was an error that would be corrected by underwriting. I was told to give it a few days to be corrected. However, I continued to receive letters and phone calls about past due payments. Each time I called, I was placed on hold for hours only to be told to give it more time to be corrected in their system. 
Then I received a notice of intent to foreclose. I called immediately, was placed in hours again, then transferred, and then told it was an error, and to again told to ignore the letter. I waited, and called back when the account information remained the same seriously delinquent. I also left messages on the website. I became concerned when I saw, resolved on the messages. I called again, this time I insisted on speaking with a supervisor. The supervisor confirmed that the deferment was rejected for nonpayment, and admitted his staff provided the wrong information. He said hed listen to the calls and re-train them for the future. I was given no resolution and now face foreclosure. I have until XX/XX/2025 to come up with over {$9000.00}. This can easily be added to the back of my loan. I am qualified. The only reason the deferment was rejected is because of the information given to me by Freedom Mortgage. I was told that the next payment was due XX/XX/2025. I have submitted another payment today in compliance with the XXXX month rule. This situation is tragic! Whether its a conspiracy or a ply to make sure I lose my home remains to be seen ~ Ive read the other very similar complaints about Freedom Mortgage online. This company needs to be held accountable for providing false information, and jeopardizing my home.

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