vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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: FL

Complaint narrative:
This letter is a formal dispute and notice regarding the unauthorized access and furnishing of my consumer report, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b.

According to this statute, a consumer reporting agency may only furnish a consumer report under specific permissible purposes, and certain casessuch as employment, insurance, or creditrequire my written consent. To date, I have never provided written authorization for any entity to obtain or access my credit information through your agency. Therefore, any furnishing or access of my credit report without my explicit written consent is unauthorized and unlawful. 

Please provide the following documentation within XXXX XXXX, as required by the FCRA : The name and address of every party that has accessed or received my credit report without my authorization. 
A copy of the original written consent you claim to have on file that would justify the release or access to my consumer information. 
A complete copy of my current credit file as maintained by your agency. 
If you are unable to produce verifiable written consent from me for the release of my consumer report to any third parties, I demand that you : 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am submitting this complaint because my credit report contains inaccurate personal information that does not belong to me. Specifically, the report includes : [ List the incorrect information, e.g., wrong name, address, date of birth, or Social Security number. ] I have already contacted the credit reporting agency and provided proper documentation to support my identity, including [ list what you sent, such as a copy of my government-issued ID and a utility bill ], but the information has not been corrected. 

This inaccurate information is affecting my credit profile and could potentially result in further issues, including misidentification and denial of credit or services. Under the Fair Credit Reporting Act ( FCRA ), I have the right to have inaccurate or incomplete information corrected or removed. 

I am requesting the CFPB to review this matter and assist in ensuring that the credit bureau takes appropriate action to correct the personal information in my credit file.

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 2025-07-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I disputed three Capital One accounts with XXXX XXXX : Account XXXX : Reported 30-day lates in XXXX, XXXX, XX/XX/XXXX, coded XX/XX/XXXX30/30/30 which is inaccurate since a missed payment usually escalates to 60/90. Likely misapplied payments. 
Account XXXX : Two consecutive 30-day lates in XXXX and XX/XX/XXXX ; possibly duplicative from one missed cycle. 
Account XXXX : One late XX/XX/XXXX. I may not have received the first statement after the account was opened. 
I asked XXXX and Capital One to verify these entries with billing records. No such documentation has been provided. This violates 15 U.S.C. 1681i ( failure to reinvestigate ) and 1681s2 ( b ) ( furnisher duty ). 
I request deletion or correction of these late marks if Capital One can not supply clear evidence of the missed payments. My supporting dispute letters and FTC Identity Theft Report # XXXX are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to make it absolutely clear that this complaint is not being submitted in error. My credit report contains multiple inaccuracies that do not meet the standard of maximum possible accuracy as required under the Fair Credit Reporting Act ( FCRA ). These errors are unjustly harming my credit standing and having a significant negative impact on my financial stability during an already difficult period.

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 2025-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
In XX/XX/year>, I initiated a 0 % balance transfer from Bank Of America XXXX XXXX XXXX XXXX XXXX to pay off a visa. 
I googled the address to pay off visa with XXXX XXXX XXXX XXXX. 
I gave Bank Of America the address that came up in the XXXX search. 
The check was issued to XXXX XXXX XXXX XXXX for {$6600.00} authorized by me. It was sent to XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 
The check was deposited by a company called XXXXXXXX XXXX XXXX XXXX  I do not know who this company is, and I have never affiliated with them. 
When I disputed this with Bank Of America, they returned my fraud claim 3 times stating the bank said I had an account with them previously. This is an outright lie since I dont know who this company or bank is. The check was issued to XXXX XXXX XXXX XXXX and was illegally deposited by another company, XXXX XXXX XXXX XXXX I have attached a copy of the check.

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 monetary relief
Consumer complaint received 2025-07-30 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: MI

Complaint narrative:
I have disputed multiple inaccurate or unverifiable accounts with Equifax including XXXX  late marks, XXXX XXXX late payments, XXXX XXXX  XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX, and XXXX XXXX. No proof of billing statements or validation has been provided. Items remain on my file in violation of FCRA 611 and 623. I request full reinvestigation and deletion of any unverifiable accounts within the required 30 day period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. Yet, despite XXXX admitting in their last " Answer '' that they have " received and reported '' payments on my account Since XX/XX/XXXX, a simple comparison of the attached screenshot of my credit score will demonstrate that they have in fact NOT REPORTED the payments below that they admitted to me making in their " Answer ''. Specifically, " XXXX has received and reported payments on your Account since XX/XX/XXXX : XX/XX/XXXX - Payment of {$250.00} was applied to the past due XX/XX/XXXX payment XX/XX/XXXX - Payment of {$250.00} was applied to the past due XX/XX/XXXX payment XX/XX/XXXX - Payment of {$250.00} was applied to the past due XX/XX/XXXX payment XX/XX/XXXX - Payment of {$250.00} was applied to the past due XX/XX/XXXX payment XX/XX/XXXX - Payment of {$250.00} was applied to the past due XX/XX/XXXX payment XX/XX/XXXX - Payment of {$250.00} was applied to the past due XX/XX/XXXX payment As of the date of this response, your Account is 32 days past due for the XX/XX/XXXX payment ''. This is not reflected on my payment report ( see attached ).

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 2025-07-30 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: FL

Complaint narrative:
Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. Yet, despite XXXX admitting in their last " Answer '' that they have " received and reported '' payments on my account Since XX/XX/XXXX, a simple comparison of the attached screenshot of my credit score will demonstrate that they have in fact NOT REPORTED the payments below that they admitted to me making in their " Answer ''. Specifically, " XXXX has received and reported payments on your Account since XX/XX/XXXX : XX/XX/XXXX - Payment of {$250.00} was applied to the past due XX/XX/XXXX payment XX/XX/XXXX - Payment of {$250.00} was applied to the past due XX/XX/XXXX payment XX/XX/XXXX - Payment of {$250.00} was applied to the past due XX/XX/XXXX payment XX/XX/XXXX - Payment of {$250.00} was applied to the past due XX/XX/XXXX payment XX/XX/XXXX - Payment of {$250.00} was applied to the past due XX/XX/XXXX payment XX/XX/XXXX - Payment of {$250.00} was applied to the past due XX/XX/XXXX payment As of the date of this response, your Account is 32 days past due for the XX/XX/XXXX payment ''. This is not reflected on my payment report ( see attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
On XXXX XXXX I submitted a few disputes due to a number of negative items that's currently on reporting on my credit report. I demanded proof of the original signed agreements stating the validity of the debts. Transunion did not provide that with in a timely matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I activated a cash back offer shopping deal and never received it. I called to get it taken care of but it hasn't been fixed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-07-30 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: ENOVA INTERNATIONAL, INC.
State: MI

Complaint narrative:
I disputed with XXXX  the XXXX XXXX  account XXXX opened XX/XX/year>, charged off XXXX and sold to XXXX ) XXXX 
My report now shows two negative entries for the same debt : XXXX XXXX XXXX  account : Closed, {$0.00} balance, multiple late marks. 
XXXX XXXX XXXX collection for the same debt. 
This results in duplicative negative reporting. I requested that XXXX  either delete the original tradeline or verify all of its details. There are inconsistencies : XXXX reports {$2400.00} limit and balance ; XXXX shows {$2600.00} as the original amount. 
The status does not explicitly say Chargeoff, only Closed purchased by another lender, which is incomplete and potentially misleading. 
I also noted that since XXXX sold the account, they may not respond to verification requests, which would make the tradeline unverifiable.

Under 15 U.S.C. 1681i ( reinvestigation ) and 1681s2 ( b ) ( furnishers duties ), Experian must delete information if it can not be verified. 
I request : Deletion of the XXXX XXXX  tradeline to prevent doublecounting, or Correction to ensure accurate balance, clear chargeoff status, and consistent reporting dates. 
Supporting documents : dispute letter and FTC Identity Theft Report # XXXX are attached

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-30 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: TX

Complaint narrative:
I am writing to dispute the accuracy of late payment entries and account information on my consumer report associated with your company. Pursuant to 15 USC 1681i ( Procedure in case of disputed accuracy ) and 15 USC 1681e ( Compliance procedures ) of the Fair Credit Reporting Act ( FCRA ), I require access to all bank transactions and statements associated with this company to provide evidence that my payments were not received on time and that my account details are inaccurate. Alternatively, you must promptly remove these unverified late payments and correct the inaccurate account information. 

Regarding accounts with late payments, I dispute the following entries : I was not 90 days late on this item- please update. I was not 60 days late on this item- please update. I was not 30 days late on this item- please update. Additionally, according to 15 USC 1666b, this is a billing error as I did not receive a statement 21 days before the late payment error. If a finance charge is included, there should be no late payments pursuant to 15 USC 1605 ( a ) due to the finance charge bringing the sum of all charges, meaning I can not be penalized for something that is already paid in full. Please remove these inaccurate late payment entries from my consumer report, as their presence violates 15 USC 1681e and 15 USC 1681i by failing to ensure maximum possible accuracy.

Concerning unverified accounts, pursuant to 15 USC 1666b ( 4 ) ( 5 ), your failure to provide a statement within 21 days is a violation. The statement shows a positive balance instead of a negative balance, which is a billing error, and therefore no payment was due. Under 15 USC 1681eb, my account is in violation of maximum possible accuracy and 15 USC 1666b for violation of billing error. Please correct the inaccurate account information on my consumer report, and delete any related inaccurate late payments, as their retention on my profile constitutes a violation of FCRA guidelines.

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 2025-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: TN

Complaint narrative:
I recently made an instant transfer from paypal to chime. Chime moved my money without my authorization. They admitted to it in their explanation and explained it's new this month in their policy. They didn't provide me notice. First it was to cover my negative credit builder account, then it was to cover my pay repayment from a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: PA

Complaint narrative:
I submitted a formal dispute to the credit bureau, including all documentation required under federal lawnamely, a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Brequesting the timely removal of fraudulent information from my credit report. Despite full compliance with these statutory obligations, the bureau failed to block the disputed information within the four-business-day timeframe mandated by law. I respectfully urge the CFPB to investigate this clear violation of the Fair Credit Reporting Act and to take appropriate enforcement action to ensure the permanent removal of the fraudulent data. For your review, I have enclosed copies of my dispute letter and all supporting documentation.

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 2025-07-30 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: EQUIFAX, INC.
State: NY

Complaint narrative:
submitted a formal dispute to Equifax by certified mail, which was delivered on XX/XX/year>, at XXXX XXXX  to their XXXX XXXX XXXX XXXX, XXXX  ( XXXX XXXX # : XXXX ). 

My dispute included : A valid government-issued photo ID My full Social Security card A letter disputing six inaccurate or unverifiable accounts Despite clearly receiving my full identification, Equifax responded with a letter dated XX/XX/year>, falsely claiming they could not verify my identity and would not process my dispute. This is a false and deceptive stall tactic, and it violates the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) which requires proper investigation within 30 days after receiving valid ID. 

I am demanding that all disputed accounts be deleted immediately if Equifax can not provide verification from the original furnishers. This is a clear case of willful noncompliance and I am requesting CFPB assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount GR Holdings, LLC
State: LA

Complaint narrative:
My father had a loan for a generator through Goodleap. He passed away. 
Goodleap was notified of his passing. 

Succession has been completed. No claim was filed by GoodLeap during the succession proceedings. No UCC-1 Financing Statement was filed to perfect any alleged security interest. Therefore, there is no continuing obligation on the part of the Estate, any successor parties, or current property owners.

My father 's home passed succession and then was sold to me by my mother. This sale included all property ( including the generator ).

Goodleap was told, unless GoodLeap provides written evidence of a continuing enforceable claim, received within 30 days of the date of this notice, we reserve the right to discontinue further payments, which will cease effective XX/XX/year> as the account had no living obligator. 

Since then goodleap has received multiple warnings from me ( attorney-in-fact to my mother who still resides on the property ) to cease collection attempts. 
They have since sent XXXX bills demanding payment to the address, addressed to my deceased father. 

I have all correspondence between Goodleap and myself since my father 's passing. 
Goodleap sending bills to my father to an address that my mother still resides at is causing her tremendous stress. She is XXXX. 

Goodleap has even emailed me directly, to an email address that I did not agree to receive communication related to this account asking for payment.

Company response to consumer: Closed with explanation