vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 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:
This is my fourth dispute, and you are now bordering on willful noncompliance with federal law. Under FCRA 1681n, consumers may sue for willful noncompliance and seek statutory damages. You are also in violation of the Consumer Data Industry Association ( CDIA ) standards, and possibly breaching FTC guidelines on fair reporting. I demand immediate deletion of all unverifiable, inaccurate, or misrepresented data before I initiate formal regulatory complaints and legal proceedings.

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 2025-08-20 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDOB : XXXXDrivers License : XXXXDate : XXXX XXXX XXXXXX/XX/year> To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute inaccurate reporting of late payments for the following Capital One credit card accounts. These tradelines reflect 30 and 60-day late payments that are not consistent with XXXX XXXX compliance formatting or accurate verification as required under the Fair Credit Reporting Act ( FCRA ) 611 [ 15 U.S.C. 1681i ].

Accounts in Question:1. Capital One XXXX : 30 & 60 Days Late Dispute resolved, reported as 'current ' 2. Capital One XXXX  : 30 & 60 Days Late Dispute resolved, but late marks remain despite {$0.00} balance and resolved status3. Capital One XXXX  : 60 Days Late Resolved status noted, but account remains marked late These accounts have been previously disputed and marked as resolved. However, the derogatory remarks ( 30/60-day lates ) remain and continue to suppress my score unjustly. Under XXXX XXXX compliance, if an account is in dispute and resolved with a {$0.00} balance, it must either be updated to reflect a 'current ' status or removed altogether if unverifiable.

Additionally, payment history coding must accurately reflect the final disposition of the account. Reporting 'late ' and 'current ' simultaneously violates consistency and data integrity requirements under XXXX XXXX formatting and FCRA accuracy provisions.

I am formally requesting the following : - Remove the 30-day and 60-day late marks from XXXX  and XXXX- Remove the 60-day late mark from XXXX- Update each account to reflect 'Current ' payment status across all three bureaus Please complete this correction within four ( 4 ) business days or I will file complaints with the CFPB, FTC, and the Michigan Attorney General for violation of my rights under the FCRA and XXXX XXXX compliance guidelines. 

Sincerely, XXXX XXXX XXXX XXXX License : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-08-20 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: AR

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-20 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: LEXISNEXIS
State: IL

Complaint narrative:
I am a XXXX XXXX survivor and I reviewed my credit file and noticed that I have a bankruptcy on my credit file. The filing number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I paid off my synchrony XXXX 's card in XXXX. I am slowly paying off all my debt, but every time I pay off a synchrony card or make a substantial payment, they first drop the limit and then cancel it completely. They said it was because I had too high a balance on other cards and my score was too low, but that's a lie. I've had the problem with high accounts even when I opened the XXXX 's account, and my credit rating stays very similar. Why would I pay off my other cards with synchrony just for them to cancel them? Why am I being punished for paying off accounts? The agent tried to say they were just doing what the credit bureau said, but I know that's a lie, the bureau doesn't tell them to close accounts, just reports. Also, my score went up since their last check apparently, they either lied when saying it was XXXX or used old info, it's XXXX although it'll go down more thanks to them. They did this on my XXXX 's card too, I made a XXXX XXXX dollar payment and they closed it. But still wanted to charge XXXX percent interest! I stopped paying until they agreed to at least drop the interest. Use beware, don't get if you don't have a perfect score.

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 2025-08-20 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: FL

Complaint narrative:
I am sending this complaint to TRANSUINION regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with vpnmy federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed.

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 2025-08-20 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: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-08-20 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: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within XXXX  ( XXXX  ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-08-20 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: PA

Complaint narrative:
I attempted to access my credit report via Experian. Upon my attempt I found that someone had created a fraudulent account using their phone/email as verification. I was unable to access due to this info being used as verification. I called Experian XXXX times on XX/XX/year> to attempt to remove this invalid/fraud information. I was put into an endless loop of automated prompts. When I did get to an operator they were unable to help but did verify that the information they have for verification was not mine. They then transferred me to membership services that ended up being an endless loop of automated prompts. I called again and explained my frustration and concern that someone has stolen my identity information with them. I was told they are unable to help or warm transfer me to an agent that could assist. I was once again placed into the endless loop. My concern for identity theft was not addressed or acknowledged. I sent XXXX letters via XXXX to address my concern as that is the only other way to contact this merchant.

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 2025-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: AL

Complaint narrative:
The day of XX/XX/year> I've gotten a email from Cash App stating that my account is suspended due to income verification, I submitted the information as requested. I talked with support and was told that they are working on verifying my income and my account will be suspended until they are done it will take up to XXXX hours to clear. I have reached out to them via telephone to speed up the process and also send them the right documents that's needed, the agent proceeded to say he couldn't tell me when will this process will be completed he also said he couldn't give me any more information on the case. This will delay my direct deposit from my job and will cause late utility, car notes, rent, groceries, and credit payments. I've reached out to them again today and I'm getting the run around. This is unacceptable, and very inconvenient to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from 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 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I discovered that my Experian credit score is not appearing on my credit report. Despite checking multiple times and submitting disputes, XXXX has failed to provide my score as required. This omission prevents me from monitoring my credit standing, comparing it with other bureaus, and ensuring accuracy across my reports. I have already submitted disputes and requests for correction, but no action has been taken.

This is harming my ability to evaluate my creditworthiness and is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to provide complete and accurate information.

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 2025-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I have two accounts I am paying off with MCM. Sometimes, the payment doesn't go through. The issue appears to be on their side as I have it set up to go through to my bank account and have contacted my bank when the payment hasn't gone through and the bank has verified no attempt to collect the payment was made. I have not given new payment info or reverified payment info with MCM, but the next payment will go through and then maybe the one after that won't, then the next one will. This seems to be entirely on MCM 's side. Here 's the issue : When they fail to properly process the payment, they will call me at least twice a day Monday through Friday. They will sometimes call on the weekend. But, Monday thru Friday, it's at least twice a day. This definitely surpasses the 7 times within 7 days rule. I have attached logs from the last time this happened and it seems to have happened again, calls are starting up again this week. Notice that the calls keep coming in from different numbers in an attempt to mask their identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from 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 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX USC XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-08-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
Hello, My name is XXXX XXXX, and I am XXXX XXXX XXXX. I am requesting assistance regarding a predatory auto loan I received through XXXX autos and Credit Acceptance Corporation. I purchased a XXXX XXXX XXXX with XXXX miles and was rushed through paperwork without clear explanation. The lady told me interest would not begin until XXXX, but my very first bill charged XXXX XXXX APR interest. Add-on products ( GAP insurance, service contracts, etc. ) were added to my loan without my informed consent. 
I made a {$2000.00} down payment, yet I am still being forced into a loan more than XXXX times the vehicles fair market value ( {$2000.00} {$5000.00} ). They expect me to pay over {$15000.00} for it. Within XXXX week of purchase, the car broke down and was undriveable for about a month. I believe I was taken advantage of because of my age and inexperience, and that this qualifies as unfair and deceptive trade practices under South Carolina law. I respectfully request An investigation into the dealerships and Credit Acceptances actions. Assistance in canceling and refunding the add-on products. Relief from this loan, which I believe was obtained through misrepresentation. 

Thank you for your time and assistance

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 2025-08-20 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: GA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: MA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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