vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-10-22 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: MO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-10-22 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: GA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-22 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: NC

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES : 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 explanation
Consumer complaint received 2025-10-22 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: NY

Complaint narrative:
I charged an airline ticket through Capital One travel on XX/XX/XXXX. XXXX for a trip to XXXX XXXX XX/XX/XXXX - XX/XX/XXXX. I did NOT pay the airline directly, I paid for it through Cap One Travel using my Cap One Visa that I've had for 14 years. Then due to warnings from the XXXX XXXX in XXXX & XX/XX/XXXX warning not to travel XXXX XXXX due to CoVid, I cancelled the trip ( see below link ). I called in for a refund which they never processed and instead told to me to deal with XXXX XXXX, who sent me back to Cap One. After 10 or more phone calls, I put it aside. There is also no record of international travel for me with the Customs & Border Protection from XXXX to today. In spite of all of the above, they refuse to reimburse me citing a deadline for such claims. They now feel entitled to keep my money XXXX. I will also file a claim in court. 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-22 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: MI

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS 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 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 2025-10-22 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: TX

Complaint narrative:
This complaint to TRANSUNION was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized.

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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This situation has completely turned my life upside down. I discovered someone used my information to open accounts and damage my credit, and its been an emotional and financial nightmare. Every time I try to explain to the credit bureaus or the companies involved, Im met with silence or excuses. Im not just a number Im a real person trying to recover from something I didnt cause. Please help me get these fraudulent items removed so I can rebuild my life and protect my future.

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 2025-10-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I was charged {$340.00} in deferred interest on my XXXX XXXX XXXX ( Capital One ) even though I made all required payments on time, including the full Interest Saver Payment shown on my XX/XX/year> statement.

That statement explicitly identified the Interest Saver Payment as the amount required to avoid interest. I relied on that disclosure and paid it in full by the due date. However, my 6-month Same-as-Cash promotion expired that same month, and the Interest Saver Payment did not include the promotional payoff amount. Because the statement failed to warn that interest would be charged even after making the listed payment, the disclosure was misleading and inconsistent with Regulation Z ( Truth in Lending Act ) requirements.

I contacted Capital One several times, spoke with a specialist, and requested a written explanation. The company acknowledged the issue but limited its remedy to a {$50.00} courtesy credit, leaving the majority of the {$340.00} charge intact. 

I am requesting that Capital One reverse the full {$340.00} deferred-interest charge, review the Interest Saver Payment disclosure for accuracy, and ensure promotional-plan payoff amounts are clearly communicated to prevent future consumer harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK
State: IN

Complaint narrative:
I applied and was accepted for a Discover credit card. I was given the offer of a balance transfer for 3 % fee. I tried to transfer the balance from a XXXX  XXXX credit card and I got the error message that you can not transfer from XXXX  XXXX. I called and asked where it said that in the terms in agreement and the spokesperson said that it is not in there. They would not do a manual transfer for me and would not rectify the situation. It is not mentioned in their terms and agreements that they can not accept a balance transfer from a XXXX  XXXX card or another Discover card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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 want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

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 2025-10-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
I applied online yesterday with One Main Financial for a personal loan for emergency and was approved for {$2500.00}. I was then guided to create an online account but wasn't able to complete as it kept giving me technical error. I woke this morning to a missed call and a voicemail addressed to me, XXXX XXXX, to call XXXX back about the loan. But when I called she started playing with me trying to confuse me about what my real name is and kept suggesting that my name is " XXXX '', I've never used that because my name is just XXXX like she stated on the voicemail. She then proceeds to say that I put the wrong social security number, which is also a lie. When she asked what my birthdate is, she claimed that was correct on the application, then contradicted herself claiming my birthdate is wrong on the application. She then proceeded to suggest that maybe I typed my own name, social security number, and birthdate wrong XXXX  this is psychotic. I was approved for the loan right after applying for it and am being discriminated against for no apparent reason. If all of this information was wrong, how did she leave a voicemail on the phone number left on the application and in my actual name??! Then XXXX starts blaming the credit bureaus for having my social security number, that she said was wrong, for being attached to a " XXXX '' with a different birthdate. If this made any sense, how did she find this on a credit bureau ... lies exposed and her own words completely contradicted! I've never had any loans or credit, nor have I ever gone by XXXX. She then tries to convince me that maybe I have a relative named " XXXX '', which again makes NO sense and is again not at all true. So what is the REAL reason that I'm being refused a loan that was approved??

I want the loan I was approved for and this complain published to expose this foolishness for others to protect themselves with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: InvestiNet LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I filed a complaint against XXXX XXXX XXXX -claim XXXX XXXXXXXX in which they responded on XX/XX/XXXX with the following response : Company 's Response Thank you for bringing this matter to our attention. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) investigated the complaint and verified the accuracy of the information regarding the XXXX account ending in XXXX and the garnishment or other liens related thereto. Investinet , LLC ( Investinet ) filed suit on or about XX/XX/XXXX. Correspondence and court records reflect that the consumer was properly notified of the proceedings. Judgment on the account was obtained in the XXXX XXXX XXXX, XXXX XXXX, Florida with the case number XXXX. Investinet , LLC sought to enforce that judgment on the XXXX account ending in XXXX with the garnishment or imposition of other liens. We believe that no further steps in response to the complaint or follow-up actions are required at this time. 

On XX/XX/XXXX during the following time frame XXXX XXXX XXXX  I spoke with XXXX employee with InvestiNet , LLC concerning a letter received from them for the account ending in XXXX after verifying the account she informed the in fact DO NOT OWN THIS ACCOUNT, they are a debt collection agency who was hired by XXXX to attempt to collect this debt. They are a third party to a third party- they are merely services for XXXX do not handle dispute matters only collection. 

XXXX stated above InvestiNet sought to enforce the judgment against me when they claim they do not own the debt in which they would not be able to take any legal action against me.

InvestiNet sent deceptive communication claiming I HAD an account with XXXX and I should make my check payable to InvestiNet , LLC when they in fact have not sent validation of this debt and do not own the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: PA

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX XXXX XXXX  continues to report inaccurate information on my credit report and failed to conduct a lawful reinvestigation under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX  Credit Card ( account ending in XXXX ) was paid in full on XX/XX/XXXX, as XXXX confirmed in their response letter dated XX/XX/XXXX ( attached ). 
However, this tradeline still appears on my credit reports as a charge-off with a {$24.00} balance and shows contradictory dates Closed XX/XX/XXXX but Last Reported XX/XX/XXXX. 

These inconsistencies amount to improper re-aging and inaccurate reporting. 
Violations : 15 U.S.C. 1681s-2 ( a ) Furnishers must not report information they know or should know is inaccurate.

15 U.S.C. 1681s-2 ( b ) After notice of dispute, furnishers must investigate and correct or delete inaccurate information.

15 U.S.C. 1681i & 1681e ( b ) Credit reporting agencies must ensure completeness and accuracy ; negative data may not be re-aged ( 1681c ).

12 C.F.R. 1022.43 ( e ) CFPB Regulation V requires furnishers to document reasonable investigations. 
XXXX admitted to an internal clerical error in its prior correspondence ( addressing me as another consumer ) and claimed to have submitted updates to all three bureaus over 20 months ago, yet the tradeline remains incorrect. 
Their letter provided no proof of reinvestigation or updated reporting. They further attempted to shift responsibility by instructing me to contact the bureaus myself an explicit violation of 1681s-2 ( b ) and 623 ( a ) ( 8 ) ( E ).

If this issue is not resolved promptly, I will escalate the matter to the Office of the Comptroller of the Currency ( OCC ), the Federal Trade Commission ( FTC ), and pursue civil action under 1681n and 1681o for willful and negligent violations of the FCRA. 
I expect written confirmation from XXXX or the CFPB within that this inaccurate tradeline has been deleted

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 2025-10-22 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:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-10-22 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX  CFPB Complaint Against Loan Servicer & Credit Bureaus Subject : Illegal Student Loan Reporting & Collections Following Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against DEPTED/XXXX XXXX XXXX XXXX Experian, XXXX, and XXXX  for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education . 
Complaint Details : XXXX. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education. 
XXXX. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment. 
XXXX. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 

Sincerely, 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 explanation