vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Was called by Capitol One, and asked if I had tried to open an account on XX/XX/XXXX. I told them I had not. They asked if I lived in XXXX. I said I lived in XXXX. They said that someone had stolen my identity, and that I should call the credit bureaus. I called XXXX, who said they would put a fraud alert on my file. They also asked me to file a report with the FTC. Their website redirected me to this one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-07-28 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: Tesla, Inc.
State: TX

Complaint narrative:
XXXX  is counting auto inquiries as separate inquiries rather than grouping them together. My credit score has taken a significant hit by not grouping them together. The situation is that I filed for an auto loan with Tesla. Tesla automatically performs rate shopping for consumers to get the best rate. In normal situations this should result in XXXX hard inquiry, however XXXX  is counting them separately significantly obliterating my credit score. I have attempted to dispute this only to be told I can't file disputes online. I've spent several months trying to fix this but XXXX  ignores my request. They have XXXX interest in restoring my online accounts ability to dispute information and make up excuses each time. They clearly have no idea how to process inquiries correctly, and should remove all inquiries from my account until such time as they figure out how to do this. This level of incompetence should be criminal, and its insulting and its detrimental to the nation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: MA

Complaint narrative:
I am writing to dispute an account that is being reported on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) pursuant to XXXX U.S.C. XXXX. Therefore, I respectfully request that this information be blocked or deleted immediately. 

I am enclosing a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC ), FTC REPORT NUMBER : XXXX, as supporting evidence for my claim. 

According to XXXX XXXX. XXXX, once a consumer submits an identity theft report, credit reporting agencies are legally required to block any information identified by the consumer as resulting from such identity theft within XXXX ( XXXX ) business days. 

The following information in my credit file is the result of a clear FCRA violation and must be blocked immediately : XXXX XXXX  / Account Number : XXXX Additionally, XXXX XXXX. XXXX, which states that a credit reporting agency XXXX not include information in a consumers file unless there is a valid authorization or permissible purpose. I never authorized the opening or reporting of this account, and there is no signed contract or consent from me that justifies its inclusion in my credit report. 

Therefore, the continued presence of this account constitutes not only a result of identity theft but also the unauthorized use and disclosure of my personal information, in direct violation of the FCRAs requirements. 

In accordance with XXXX XXXX. XXXX and XXXX, I respectfully request that this account be blocked and deleted immediately from my credit report and that it no longer be reported in any manner. 

I have contacted TransUnion on multiple occasions to report these accounts, but I have yet to receive a clear or definitive resolution to this matter. This situation is causing me serious harm, as I am in the process of purchasing a new home for my children and seeking financial tools to support my economic growth. These negative accounts are blocking my opportunities and causing both personal and financial damage. 

Furthermore, these accounts have already been deleted by other credit bureaus, as they were unable to verify them under the procedures required by law. I do not understand why this agency continues to report this account on my credit file. 

I have also requested copies of any contracts related to these accounts from the company reporting them, and after more than XXXX  days, I have not received a single response. This further supports the fact that there is no verifiable evidence or legal basis for continuing to report this information. 

I respectfully request that you assist me by removing these accounts 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 non-monetary relief
Consumer complaint received 2025-07-28 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: CT

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Lendbuzz Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, TX XXXX Finance company name : Lendbuzz Dealership Name : Outlet Cars and Trucks On XX/XX/XXXXXXXX I made the required down payment and signed the financing agreement, under the expectation that the vehicle would be delivered in working condition. However, several unacceptable events have occurred since that time : 1. The vehicle was not delivered as agreed, due to a reported mechanical issue. 
2. A temporary replacement vehicle ( a XXXX ) was given, which is not equivalent in value or quality to the financed XXXX. 
3. For a period of four months, I made timely payments on : - The monthly loan for the XXXX - Full insurance coverage for the XXXX, which I did not have in my possession during that entire period. 
4. The vehicle was finally delivered only a week ago and still has mechanical issues that make it unreliable. 
Company On XX/XX/XXXX, I returned a XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX that I had purchased and financed, due to serious mechanical issues present since the day of purchase. The vehicle was defective and not safe for use. 

I reached out multiple times to both the dealer and the finance company asking for assistance and possible solutions, but received no response. I sent emails and attempted communication through various channels, all of which were ignored. 

Because of this, I had no choice but to return the vehicle directly to the dealership, in person and with witnesses. Only after the return was processed did the finance company contact me too late to offer a solution. 

This shows negligence and a lack of customer care from both the dealer and the finance company. 



Supporting documents I can provide : The formal letter I wrote to the finance company. 
Emails showing I attempted to contact them. 
Proof that the vehicle was returned. 
VIN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: NY

Complaint narrative:
Please refer to the attached documents pertaining to the Equifax data breach

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 2025-07-28 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: NY

Complaint narrative:
Please refer to the attached documents pertaining to the Equifax data breach

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 2025-07-28 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-07-28 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: CA

Complaint narrative:
In XXXX XXXX inquired about placing solar panels on my roof and I had a inspector come by, and he told me that I needed to put a new roof on my house before placing solar panels on the process was stopped. And I did not place solar panels on my home. I did not go through with the process of placing solar panels on my home. And I did not take a loan out for the solar panels. I do not have solar panels on my home.And I do not have a loan for solar panels. XXXX, sustainable finance corporation has placed an {$18000.00} loan on my credit stating that I have been making payments. I have never made a payment to mosaic sustainable finance corporation for solar panels.And that I have solar panels on my home, which is untrue. I do not have solar panels, and I do not have a solar panel loan..

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 2025-07-28 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: CA

Complaint narrative:
In XXXX XXXX inquired about placing solar panels on my roof and I had a inspector come by, and he told me that I needed to put a new roof on my house before placing solar panels on the process was stopped. And I did not place solar panels on my home. I did not go through with the process of placing solar panels on my home. And I did not take a loan out for the solar panels. I do not have solar panels on my home.And I do not have a loan for solar panels. XXXX, sustainable finance corporation has placed an {$18000.00} loan on my credit stating that I have been making payments. I have never made a payment to mosaic sustainable finance corporation for solar panels.And that I have solar panels on my home, which is untrue. I do not have solar panels, and I do not have a solar panel loan..

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 2025-07-28 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: CA

Complaint narrative:
In XXXX XXXX inquired about placing solar panels on my roof and I had a inspector come by, and he told me that I needed to put a new roof on my house before placing solar panels on the process was stopped. And I did not place solar panels on my home. I did not go through with the process of placing solar panels on my home. And I did not take a loan out for the solar panels. I do not have solar panels on my home.And I do not have a loan for solar panels. XXXX, sustainable finance corporation has placed an {$18000.00} loan on my credit stating that I have been making payments. I have never made a payment to XXXX sustainable finance corporation for solar panels.And that I have solar panels on my home, which is untrue. I do not have solar panels, and I do not have a solar panel loan..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Inaccurate Credit Reporting by XXXX  XXXX Capital One FCRA Violation -- - What happened : I originally disputed inaccurate late payments reported on my Capital One credit card account ( ending in XXXX XXXX ). Specifically, XXXX  was showing my account as XXXX, XXXX, XXXX, and XXXX  days late between XX/XX/XXXX and XX/XX/XXXX, despite the account being paid in full in XX/XX/XXXX. 

As evidence, I submitted : A screenshot from the Capital One app showing the full payment made in XX/XX/XXXX A matching bank transaction verifying the payment date and amount Despite this, XXXX  did not correct the late payments. 

Even worse, after my initial dispute, XXXX  retroactively altered my positive payment history on a different account, for the dates XX/XX/XXXX to XX/XX/XXXX, changing it from Current to No Data Available or Unknown, even though those payments were made on time and previously reported accurately. 

This appears to be retaliatory or an attempt to obscure accurate data, and it violates the Fair Credit Reporting Acts requirement to report complete and accurate information. 


-- - What Im requesting : Immediate removal of the inaccurately reported late payments ( XXXX XXXX XXXX ) Restoration of the accurate payment history from XX/XX/XXXX to XX/XX/XXXX OR full deletion of the tradeline if Capital One can not verify accurate records -- - Companies involved : XXXX Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The personal details on my credit report contain errors, particularly with old or incorrect addresses that need to be taken off immediately. Ive included the appropriate documentation to support these changes, and I am requesting that these be removed from my credit profile as soon as possible.The personal details on my credit report contain errors, particularly with old or incorrect addresses that need to be taken off immediately. Ive included the appropriate documentation to support these changes, and I am requesting that these be removed from my credit profile as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
On XX/XX/year>, I received a verification letter from Barclays for a Priceline VIP Rewards credit card that I did not apply for. I contacted Priceline Rewards to report the fraudulent application. They reported it as fraud, and I am awaiting a letter from them. 

XXXX XXXX XXXX reported that inquiries from Barclays were made on XX/XX/year>.

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 2025-07-28 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: MD

Complaint narrative:
b'EQUIFAX IS IN VIOLATION ACCORDING TO METRO 2 COMPLIANCE.\nCERTIFIED MAIL RECEIPT XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: NC

Complaint narrative:
I am filing this complaint because Ive disputed several inaccurate accounts on my Experian credit report. This is now my second time disputing these items, and Experian continues to report them without providing proper verification or supporting documentation. 

These unresolved accounts are damaging my credit and affecting my ability to secure financing. Despite my previous efforts to resolve this directly with the credit bureau, they have failed to comply with the Fair Credit Reporting Act ( FCRA ) requirements. 

Violations include : FCRA Section 611 ( a ) : Failure to conduct a reasonable reinvestigation FCRA Section 623 ( a ) ( 1 ) ( A ) : Reporting inaccurate or incomplete information FCRA Section 609 ( a ) ( 1 ) : Failure to disclose the method of verification or original source I am requesting a formal investigation into Experians failure to verify or correct the following accounts : XXXX BANK XXXX Acct # : XXXX {$1400.00} XXXX XXXX XXXXXXXX {$260.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$540.00} XXXXXXXX XXXX XXXX  Acct # : XXXX {$43.00} XXXX XXXX Acct # : XXXX {$270.00} XXXX XXXX XXXX XXXX XXXX : XXXX {$0.00} XXXX Acct # : XXXX XXXX XXXXXXXX {$9000.00} XXXX XXXX XXXX XXXX / XXXX Acct # : XXXX {$3600.00} DEPT OF ED / XXXX Acct # : XXXX {$5600.00} In the previous dispute, I requested original contracts, payment history, and method of verification. Experian marked the accounts as " verified '' without providing any of this information. 

Additionally, I am requesting that the following unauthorized or outdated inquiries be blocked or removed in accordance with FCRA Section 604 : XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX These inquiries do not have a permissible purpose and are not associated with any open or approved accounts. I did not authorize these pulls. They are outdated, excessive, and damaging my score. 

I am formally requesting the CFPB to : Investigate Experians failure to properly respond to my previous disputes -Require deletion of all unverifiable or inaccurate items listed above -Provide written documentation of verification methods and sources -Remove or block all inquiries that are unauthorized and not linked to any open account Please treat this matter with urgency as this continued reporting is causing ongoing harm to my credit profile.

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