vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am submitting to formally dispute certain credit inquiries appearing on my credit file that I did not authorize or initiate. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 604 ( a ), 15 U.S.C. 1681b, a credit reporting agency may only furnish my credit report to a party that has a permissible purpose, such as my written authorization or an existing credit transaction.

I again affirm that I have no knowledge of these account, nor did I authorize, initiate, or benefit from them in any form. Given the lack of consent or involvement on my part, I have strong reason to believe these account may be the result of mixed file or mistaken identity.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-09-15 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: NV

Complaint narrative:
I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. 
However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this third-round dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report.

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. 
However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this third-round dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report.

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-09-15 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: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-09-15 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: DC

Complaint narrative:
Capital One Auto Finance is furnishing inaccurate negative information about my closed auto loan. The account was never late and was paid in full in XXXX, yet its still being reported negative status/notations. This violates the Fair Credit Reporting Act ( FCRA ) requirements for accurate reporting and reasonable investigation. The account was opened in XX/XX/XXXXXXXX  and closed XX/XX/XXXX. Never late. I filed disputes with the credit bureaus under FCRA 611 providing proof of on time payments and paid in full disclosure. I sent a direct dispute to Capital One Auto Finance under FCRA 623 ( a ) ( 8 ) requesting a reinvestigation and correction. Despite this the negative reporting remains without proper documentation which fails FCRA 607 ( b ) maximum possible accuracy standards and furnished duties under FCRA 623 ( a ) ( 1 ) ( A ) ( not to furnish known or should be known to be inaccurate. This inaccurate is lowering my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: TX

Complaint narrative:
This morning I was shocked to see that inaccurate accounts are still showing up on my credit report, and I am extremely frustrated because I do not understand why this continues to happen. I checked my report like I always do, and the discrepancies just appeared out of nowhere. I even refreshed my browser thinking it might just be a glitch, but it was not. These inaccurate accounts have not been removed, and because of this, I urgently demand that the documents Ive sent be reviewed thoroughly so I can finally stop stressing over this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am sending to formally address Experian and TransUnions failure to comply with my dispute request pursuant to FCRA 611 ( 15 U.S.C. 1681i ). I submitted formal disputes regarding inaccurate personal information and unauthorized appearing on my credit reports. 

Specifically, I disputed the reporting of incorrect addresses and unverified personal that do not belong to me, including but not limited to the following : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-15 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, a {$49.00} cash advance was posted to my Chase credit card account ( posted XX/XX/year>XXXX  ). I did not intend to take a cash advance, and once I saw the charge, I immediately made a {$56.00} payment to cover the advance plus any possible fee so that no interest would accrue. 

I contacted Chase to confirm that my payment was applied directly to the cash advance balance. Instead of providing a clear answer, Chase referred me to the Cardmember Agreement and told me to check my account online. However, Chase does not display a separate cash advance balance, and the representatives would not confirm whether my payment eliminated the advance.

Because cash advances accrue interest immediately at a higher APR, I am concerned that Chases lack of transparency will cause me to be charged unnecessary interest, despite my proactive payment. I am requesting that Chase confirm my payment was applied to the cash advance balance and that they clearly disclose cash advance balances and payment allocations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc.
State: MS

Complaint narrative:
Self Bank is inaccurately reporting my account to the credit bureaus. They changed my balance from {$0.00} back to {$77.00} and are reporting late payments that never occurred. These actions are false, misleading, and appear intentionally designed to harm my credit score. This violates FCRA 623 and Metro 2 reporting standards. I request immediate correction or full deletion of this account from all credit reporting agencies. I have attached supporting evidence, including dispute letters and credit report screenshots, to show repeated inaccuracies. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

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 2025-09-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: AZ

Complaint narrative:
I am writing regarding the following accounts listed on my credit report : Jefferson Capital Systems ( Original Creditor : XXXX XXXX ) Balance : {$6600.00} Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ), I am formally requesting that you cease all communication with me regarding these alleged debts. 

This notice does not constitute acknowledgment of liability for these debts. I am exercising my rights under federal law to stop any further contact except as permitted under the FDCPA ( for example, to notify me of specific legal actions ). 

Please confirm in writing that you will comply with this request. Any further attempts to contact me beyond what is allowed by law may be considered a violation of my rights and could result in complaints to the Consumer Financial Protection Bureau or my State Attorney Generals office. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. 
This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding Equifaxs continued reporting of inaccurate and unverifiable information on my credit file. Despite my prior disputes and submission of supporting documentation, Equifax has failed to comply with its legal obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requiring reinvestigation, 1681i ( a ) ( 5 ) ( B ) requiring deletion of unverifiable information, and 1681i ( a ) ( 7 ) requiring a description of the reinvestigation procedure. While other credit bureaus promptly corrected or removed the inaccurate information, Equifax continues to verify the disputed accounts without providing any proof of a legitimate investigation. 
This failure has damaged my credit standing and caused embarrassment after being denied credit. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: PA

Complaint narrative:
I am submitting to you my follow up to formally dispute several inaccuracies related to billing errors on my credit report. Upon reviewing my report, I noticed information that does not accurately reflect my payment history. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1666, which provides consumers the right to dispute and correct billing errors, and I request a thorough reinvestigation of the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$410.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

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 2025-09-15 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am submitting to you my follow up to formally dispute several inaccuracies related to billing errors on my credit report. Upon reviewing my report, I noticed information that does not accurately reflect my payment history. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1666, which provides consumers the right to dispute and correct billing errors, and I request a thorough reinvestigation of the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$410.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Credit limit changed — 
Company: MoneyLion Inc.
State: PA

Complaint narrative:
Money loan for XXXX. On my credit report I have XXXX XXXX XXXX and that i didn't understand everything. 
Ask if they can remove it and the late fees.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lendsmart, Inc.
State: AZ

Complaint narrative:
I am writing regarding the following accounts listed on my credit report : Lendsmart , Inc. Balance : {$1700.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance : {$6600.00} Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ), I am formally requesting that you cease all communication with me regarding these alleged debts.

This notice does not constitute acknowledgment of liability for these debts. I am exercising my rights under federal law to stop any further contact except as permitted under the FDCPA ( for example, to notify me of specific legal actions ).

Please confirm in writing that you will comply with this request. Any further attempts to contact me beyond what is allowed by law may be considered a violation of my rights and could result in complaints to the Consumer Financial Protection Bureau or my State Attorney Generals office. 

Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
This company has 2 separate accounts that I do not know anything about and that were started on the same day which is suspicious to me. I have never entered into a contract with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, XXXX, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 

1. Under penalty of perjury I swear this account is false and misleading XXXX XXXX Account Number : XXXX 2. Under penalty of perjury I swear this account is false and misleading XXXX  XXXX Account Number : XXXX 3. Under penalty of perjury I swear this account is false and misleading XXXX  XXXX Account Number : XXXX 4. Under penalty of perjury I swear this account is false and misleading XXXX  XXXX Account Number : XXXX 5. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/year> XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX. Under penalty of perjury I swear this account is false and misleading XXXX XXXX XXXX XXXX Account Number : 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 2025-09-15 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: NC

Complaint narrative:
I am a victim of identity theft caused by a data breach. My personal information was stolen and used to open fraudulent accounts, collections, and hard inquiries that do not belong to me. These accounts appeared on my credit reports with Experian, Equifax, and TransUnion without my knowledge or permission. 

The fraudulent accounts include credit cards ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), loans and leases ( XXXXXXXX XXXX XXXX for {$17000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXr {$1000.00} ), utility/phone accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$1700.00} ) , and an insurance collection ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$2000.00} ) . I also discovered unauthorized hard inquiries from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I first noticed these items in XX/XX/year>XXXX  when I reviewed my credit report. I immediately filed an FTC Identity Theft Report, provided copies of my ID and proof of address, and sent each bureau a dispute letter under FCRA 605 ( b ). That law requires the bureaus to block and delete fraudulent information within 4 business days once they receive my documentation. 

Despite my actions, these fraudulent accounts and inquiries remain on my credit reports. They are not mine, I never applied for them, and they are damaging my credit. I am requesting that the CFPB enforce my rights under the Fair Credit Reporting Act and require the bureaus to permanently block and delete these items and confirm this to me in writing.

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