vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: CAINE & WEINER COMPANY, INC.
State: MN

Complaint narrative:
This account is not mine and it displays wrong info

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: KY

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: KY

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : 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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: VA

Complaint narrative:
CFPB Complaint : Inaccurate Credit Reporting by XXXX Complaint Submitted Against : Company XXXX XXXX Issue : Incorrect information on credit report Problem : Information belongs to someone else/ is inaccurate Date of issue discovery : XX/XX/XXXX Complaint Details : I am filing a formal complaint against XXXX for reporting inaccurate and disputed information on my credit report. 

Attached is a screenshot from my XXXX XXXX credit report ( which pulls from XXXX ), showing a collection account from Jefferson Capital XXXX with an open balance of {$1000.00}, reported on XX/XX/XXXX. The account was opened on XX/XX/XXXX, and it is marked as a collection account with a remark that states, Consumer disputes this account information. 

Despite the active disputeXXXX XXXX continues to report this account as open and accurate, which is misleading, damaging to my creditworthiness, and a violation of the Fair Credit Reporting Act ( FCRA ). I have not received verification of this debt, and the original creditor is not clearly documented beyond Jefferson Capital XXXX 

This reporting has caused harm to my credit profile, and I have exhausted other channels to resolve this directly with XXXX 

Furthermore, I want to highlight that XXXX  was recently fined {$13.00} XXXX by the CFPB in XXXX for mishandling consumer disputes and continuing to report inaccurate information. This ongoing misconduct reflects a pattern of noncompliance, and my case appears to be part of that continuing issue. 

I am requesting the following action : Immediate investigation into this account and removal of any unverified or incorrect information. 

A formal correction of my credit report with confirmation of the change. 

Assurance that my consumer rights under FCRA are being honored, including the right to dispute and correct inaccurate information. 

Supporting Documentation : Screenshot from XXXX XXXX showing the disputed Jefferson Capital account ( uploaded as XXXX XXXX XXXX 

Please take urgent action to ensure XXXX  corrects this reporting error and complies with federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: GA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I disputed several items on my credit report with TransUnion. They marked these items as verified or updated them with historical data, but provided no documentation showing how the information was verified by the creditors. I already provided all relevant supporting documents during the dispute process and will only present them in court. 

I request that TransUnion : Immediately update my payment history accurately. 

Maintain all creditor information on file. 

Stop selling, trading, or transferring this account. 

No more delays will be tolerated. Failure to comply may result in a {$15000.00} lawsuit.

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 2025-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
On XX/XX/2024, I used my Capital One credit card to pay {$960.00} for a car rental with XXXX. I was later notified that the transaction had been refunded, but I never received any funds back to my account, nor did I receive any email confirmation or explanation from Capital One. 

Shortly after, my credit card account was frozen without any notice. Despite this, on XX/XX/XXXX, I attempted to make a payment of {$960.00} via mobile ACH, but it was returned. Later, on XX/XX/XXXX, XXXX payments were processed from my account : One automatic payment of {$980.00} One manual payment of {$960.00} All of this occurred while the account was still restricted and unusable. 

In addition, interest charges were assessed twice, even though the card was frozen and no purchases were made during that time : {$23.00} on XX/XX/XXXX {$19.00} on XX/XX/XXXX I contacted Capital One three times, and uploaded the requested documents, including : 1. My Employment Authorization Document ( EAD ) 2. My drivers license with my address 3. A bank statement for the debit card I used to pay, though it did not yet show my direct deposit because I had just started my job Despite following all instructions and requesting to speak with a supervisor, the issue remains unresolved, my account is still restricted, and no refunds or further explanation have been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-15 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am submitting this complaint personally and in my own words. I have not authorized any company to submit this on my behalf beyond helping me type and send it. This issue directly affects me. I am filing this complaint against Experian for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The account in question is : XXXX XXXX XXXX XXXX XXXX XXXX & XXXX with lates reported as 30 & 60 days late in XXXX, XXXX and XXXX XXXX with lates reported as 30 days XXXX in XX/XX/year> These late payments notation is the direct result of the furnishers internal reporting with lates reported as 30 & 60 days late in errors. I never failed to make timely payments on this account. The bank misreported my payment history to Experian, yet Experian continues to publish this inaccurate information on my credit file. I previously disputed this inaccuracy with Experian under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Experian failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, Experians reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

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 2025-08-15 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: SC

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX - XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXXXXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-15 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: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
I previously submitted a complaint to the CFPB against Consumer Portfolio Services ( CPS ) regarding forgery and misrepresentation tied to my auto loan. 

I was shocked to discover that a confidential statement I submitted as part of my CFPB complaint was later used in court by the dealerships attorney ( XXXXXXXX XXXX XXXX XXXX XXXX 

I did not send that document to the dealership or authorize its release. The only way they could have received it is if CPS improperly shared my CFPB complaint file or summary with the dealerships legal team.

This disclosure has caused serious harm to my legal case and is a violation of my consumer privacy.

Im requesting that the CFPB investigate this improper disclosure, and ensure CPS is held accountable for leaking my confidential complaint to the opposing party in an active legal matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
THIS BANKRUPTCY RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS INCLUSION ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND IS CAUSING SIGNIFICANT EMOTIONAL DISTRESS. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS SERIOUS ERROR. SEE THE ATTACHED DOCUMENT FOR VERIFICATION.

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 2025-08-15 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: OH

Complaint narrative:
I am disputing a late payment recently reported on my credit file. My account records confirm that all payments were made timely, making the reported late payment factually incorrect. This misreporting is negatively impacting my creditworthiness and is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
i have noticed several inaccuracies on my credit report

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 2025-08-15 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: GA

Complaint narrative:
i have noticed several inaccuracies on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing this complaint against TransUnion, Experian, and Equifax for failing to correct inaccurate and unlawful late payment entries on my credit reports, despite repeated disputes submitted in accordance with the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ).

The inaccurate accounts are : XXXX XXXX XXXX  ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX  XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX ) Over the past XXXX months, I have submitted XXXX separate dispute letters to all three bureaus. Each letter included my identification and supporting documentation proving the reporting error. These disputes were sent directly by me. Each contained specific references to the billing error provisions of the Fair Credit Billing Act and the correction requirements of the Fair Credit Reporting Act. 

Under federal law, the bureaus were required to : Acknowledge receipt of my billing error notice within XXXX days. 

Conduct a reasonable reinvestigation and correct the error within XXXX billing cycles, not more than XXXX  days. 

Provide a written explanation of their findings, including the documents relied upon in their decision. 

TransUnion, Experian, and Equifax have failed to : Provide a lawful and complete resolution to my dispute. 

Supply documentary evidence to justify the continued reporting of the late payments. 

Remove or correct the inaccurate entries even after receiving irrefutable proof of the billing error. 

Their ongoing reporting of these false late payments violates 15 U.S.C. 1666, 15 U.S.C. 1681s-2, and potentially state consumer protection laws. These violations are causing continuing harm to my creditworthiness and financial standing.

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