vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: WI

Complaint narrative:
After paying {$1200.00} on a {$1600.00} loan in XXXX months CASHNETUSA says I am still behind in payments Would not send an email of my balance or explanation verbally telling me my balance was {$1500.00} over the phone Refuse to send an itemized statement how payments work

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I recently opened a 360 checking account through Capital One with my partner. There is a promotion to receive your first few checks for free when opening the account, so I placed the order for the checks. Upon further review, I noticed that my partners last name was incorrect, and I called to cancel the checks until we updated the information. The customer service representative ensured me that the order was cancelled and that I could call back once the information was updated and they would reissue the checks under the same promotion. I still received the checks with the incorrect information even though the order was cancelled. I called Capital One to reissue the checks after my partners information was updated and they apologized and told me that the previous customer support agent gave me false information and that I would have to pay for the new checks with the updated information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-31 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: TX

Complaint narrative:
I am submitting this complaint because the consumer reporting agency did not fulfill its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a comprehensive explanation of the reinvestigation process used to verify disputed information. I requested details including the name and contact information of the furnisher, the identity of the person contacted, and the documentation reviewed to confirm the accuracy of the disputed account. The agency failed to provide this information within the 15-day period mandated by law, denying me the transparency and verification rights granted under the FCRA.

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 2025-08-30 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: 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 any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-08-30 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: AZ

Complaint narrative:
Fraud accounts due to ID THEFT. Please block all fraud 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, US DEPARTMENT OF EDUCATION {$1500.00}, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Charges filed Officer XXXX POLICE REPORT attached, FTC, social security and ID attached for verification thank you EXPERIAN HAS FAILED TO BLOCK AND PROVIDE VALIDATION BY LAW AND ALL ORIGINAL WET INK SIGNATURES

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 2025-08-30 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: SC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-30 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: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX  ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 
15 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX  ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 
15 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.

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 2025-08-30 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: OH

Complaint narrative:
The consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by not properly verifying the accuracy and completeness of the information contained in my credit file. I have exercised my right to request full reinvestigation of every item in my report, yet the bureau has either not provided adequate verification or continues to report unverified information. This constitutes a violation of my rights under federal law and raises serious concerns about the integrity and accuracy of my consumer 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 2025-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently reviewed my credit report and noticed fraudulent accounts on my report. please remove these accounts from my report. they are hurting my ability to obtain credit.

Account name 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 non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Auto Advantage Finance, LLC
State: OK

Complaint narrative:
Auto Advanta is illegally reporting an auto loan as a charge off, collection, and profit and loss write-off. This is highly misleading, damaging, and in violation of federal law.

First, no proof has ever been provided that I authorized this account to be transferred, collected, or reported in its current status. I have never received an original signed contract or wet signature from Auto Advanta proving that this account was lawfully created and that I agreed for it to be reported in this manner. Reporting without providing validation is a violation of the Fair Credit Reporting Act ( FCRA ) 602, 607, and 609.

Second, the reporting is inconsistent and unreliable across credit bureaus. TransUnion shows disputed by consumer, meets FCRA requirements while XXXX list the account as Consumer disputes reinvestigation in progress. If this debt were valid and properly documented, the bureaus would all reflect the same verified status. These discrepancies are proof that the information is inaccurate, unverifiable, and does not meet the standard of maximum possible accuracy required under FCRA 607.

Third, Auto Advanta is reporting the account in multiple derogatory ways at once as a charge off, a collection, and a profit and loss write-off. This creates duplicate negative impact from a single account. A charge off means the creditor has declared the debt uncollectible and written it off as a loss. Once charged off, it can not continue to exist as an active collection. Reporting it this way is deceptive, misleading, and a violation of the Fair Debt Collection Practices Act ( FDCPA ) 807, which prohibits false or misleading representations of debts.

Finally, by reporting without validation and continuing to damage my credit despite disputes, Auto Advanta is willfully engaging in unfair and abusive practices. This has lowered my credit score and harmed my ability to obtain housing, credit, and other necessities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: PA

Complaint narrative:
I am formally disputing the reporting of outdated, inaccurate, and unverifiable personal information on my credit file, including former names, previous addresses, and obsolete employment records. This dispute is submitted pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and in accordance with judicial precedent affirming the obligation of credit reporting agencies to maintain accurate and relevant consumer information ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Under FCRA 1681e ( b ), credit reporting agencies are legally required to follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. Inclusion of outdated or unverifiable data constitutes a clear violation of this duty. Furthermore, FCRA 1681i ( a ) requires that CRAs investigate disputed information and update or delete unverifiable data within the statutory investigation period of 3045 days. Outdated information is inherently misleading, irrelevant, and materially harms my creditworthiness.

I hereby demand the following : 1. Immediate deletion of all outdated, inaccurate, or unverifiable names, addresses, and employment records from my credit report.

2. Written confirmation of the deletion and updated reporting in accordance with the FCRA-mandated investigation period.

Please be advised that failure to comply will result in : Formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies.

Civil litigation seeking statutory and actual damages, attorneys fees, and costs under FCRA 1681n and 1681o.

Potential escalation to state regulatory authorities for violations of consumer protection laws.

Attached are documents verifying my current, accurate personal information, including proof of current name, address, and employment. I expect your prompt attention and resolution in full compliance with the FCRA.

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I tried to negotiate this payment but it is being reported as the wrong amount owed do not owe the amount that's is being reported

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: NJ

Complaint narrative:
The consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by not properly verifying the accuracy and completeness of the information contained in my credit file. I have exercised my right to request full reinvestigation of every item in my report, yet the bureau has either not provided adequate verification or continues to report unverified information. This constitutes a violation of my rights under federal law and raises serious concerns about the integrity and accuracy of my consumer 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 2025-08-30 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: FL

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account name : XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  Balance : {$0.00} Account name : XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$0.00} Account name : XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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: CO

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-08-30 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: CO

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-08-30 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: LA

Complaint narrative:
I am writing to dispute fraudulent and inaccurate information on my credit report due to identity theft. The negative accounts and inquiries listed do not belong to me and were opened without my authorization. Under the Fair Credit Reporting Act ( FCRA ), I request an immediate investigation and the permanent removal of all accounts, inquiries, and negative items related to this identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I went to the bank to make a deposit of {$400.00} in the ATM XXXX XXXX in between XXXX XXXX  and XXXX XXXX. Unfortunately I did not print out a receipt. The ATM received the money but the money was not accredited to my account. I realized this until the afternoon of XX/XX/year> when I saw on the bank app on my phone that my account was in a negative {$350.00}. When I saw this, I decided to go to the bank the following day. I was given a claim number and the bank started the investigation on one ATM. They made a temporary deposit in my account of {$400.00} but they said to me, in a phone call that I made to the claims department of Chase, that they found nothing so after the XXXX business days they took the {$400.00} out of my account again. So I went to the bank again and was given another claim number and the bank investigated the second ATM. I called the claims department again to check on the status of my claim and unfortunately they said that they did not find anything. I asked them what else can be done because I was certain that I had deposited that money on the date above and they said that there was nothing more that they could do on their behalf. So I searched on the internet if there was anything else I can do and learned about CFPB and that is why I am doing this complaint to see what solution can come upon this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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:
To : Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Method of Verification Request under FCRA 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) RE : Verified Dispute Item - Demand for Proper Verification or Removal I recently disputed the following account ( s ) on my credit report with your agency. I have now received notice that the disputed item ( s ) have been " verified '' as accurate. However, under the Fair Credit Reporting Act ( FCRA ), I am exercising my right to request the method of verification used to validate the accuracy of the information. 
Account Name/Number : XXXX XXXX XXXX XXXX XXXX * Account Name/Number : XXXX XXXX XXXX XXXX XXXX XXXX   Date of Dispute : XX/XX/year> Per FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), I am requesting that you provide me with the following within XXXX  days of receipt of this letter : 1. The name and contact information of the person or entity with whom you verified the information ; 2. A detailed description of the method used to verify the account ; 3. Copies of any documentation or records used in your investigation to verify this information. 
If you can not provide these documents and the exact method of verification within 15 days, I demand that you immediately delete the item ( s ) from my credit report as required by the FCRA.

Please note that failure to comply with this request may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general 's office. I will also consider pursuing further legal remedies available to me under the FCRA. 
This is not a refusal to pay but a notice sent pursuant to federal law. 
Sincerely, 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