vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 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: GA

Complaint narrative:
This correspondence constitutes a formal dispute under the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. I am requesting immediate reinvestigation and corrective action regarding multiple unauthorized accounts and materially inaccurate personal identifiers currently appearing in my consumer credit file. These items have been reported without my consent, and their continued presence constitutes clear violations of federal law. The following accounts have been furnished to the consumer reporting agencies without my knowledge, authorization, or written instructions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), a consumer reporting agency may only furnish a consumer report under specific circumstances with the consumers written instructions. No such consent was provided in any of the above cases. Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. These accounts must be removed unless independently verified with legal documentation. Under 15 U.S.C. 1681 ( a ) ( 4 ), Congress has affirmed the importance of maintaining consumer privacy and fairness in the handling of credit information. The unauthorized reporting of the above accounts represents a violation of my privacy rights as established by this statute.

In addition, I have identified fraudulent inquiries on my credit report that I did not authorize. These inquiries constitute unauthorized access to my consumer report under the Fair Credit Reporting Act ( FCRA ). 
I am requesting the immediate removal of : The fraudulent/unauthorized inquiries listed below : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 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 Under the FCRA, I have the right to accurate reporting and protection against unauthorized use of my consumer report. Please correct these inaccuracies and confirm removal 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
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this complaint because both TransUnion and XXXX are reporting personal information on my credit file that is entirely inaccurate, misleading, and damaging. 

With TransUnion, my file incorrectly lists XXXX XXXX XXXX XXXX as an employer. I have never worked for this company in any capacity, and its inclusion in my credit report is completely false. The presence of an employer that has no connection to me raises serious concerns about the accuracy of the data being collected and distributed by TransUnion. Employers listed on a credit report can influence how lenders and others view my stability and credibility, and the reporting of a false employer is both misleading and harmful. 

With XXXX, my file incorrectly includes the name XXXX XXXX as former identifying information. This is not my name, has no connection to me, and should never have been tied to my personal credit history. Having another individuals name attached to my file is a clear violation of the Fair Credit Reporting Acts requirement to maintain maximum possible accuracy of consumer information. This type of error also raises the concern that my file is being commingled or cross-associated with another consumer, which puts me at risk of further reporting errors and potentially even identity confusion.

Both of these inaccuracies violate my rights under the FCRA. Section 607 ( b ) of the Act requires that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy. Section 611 requires that disputed information be promptly investigated and either verified or removed. The reporting of a false employer and an unrelated name fails these standards and represents negligence in data handling.

These errors are not minor. They misrepresent my identity and employment history, and they create unnecessary red flags for creditors, insurers, and other parties who review my file. This has caused me frustration, stress, and potential harm to my creditworthiness by portraying inaccurate details about who I am.

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 2025-09-12 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 constitutes a billing error under 15 USC 1666B ; payments have always been timely and compliant.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
On XX/XX/2025, a charge for {$880.00} appeared on my Current Bank account to a merchant listed as " XXXX XXXX XXXX. '' I did not authorize this transaction. I have never used or registered for XXXX XXXX XXXX 's services, and no one else was given access to my account. I reported the charge immediately through the Current app and locked my card to prevent further unauthorized use. 
I submitted a formal dispute to Current requesting a refund and provisional credits under Regulation E ( Electronic Fund Transfer Act ), which protects consumers from unauthorized electronic transactions. I have not received a satisfactory resolution or response. 
I am requesting CFPB assistance in obtaining a full refund of the unauthorized charge and confirmation from Current that the matter is

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: FL

Complaint narrative:
I am submitting this complaint to formally dispute several inaccurate and damaging entries on my credit reports. These accounts are being reported with multiple late payments, some of which are inconsistent, duplicative, or unverifiable. The continued reporting of these derogatory marks is not only misleading but also in violation of the Fair Credit Reporting Acts requirements that consumer reporting agencies and furnishers maintain the maximum possible accuracy and properly reinvestigate disputed information.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 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 2025-09-12 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 submitting this complaint to formally dispute several inaccurate and damaging entries on my credit reports. These accounts are being reported with multiple late payments, some of which are inconsistent, duplicative, or unverifiable. The continued reporting of these derogatory marks is not only misleading but also in violation of the Fair Credit Reporting Acts requirements that consumer reporting agencies and furnishers maintain the maximum possible accuracy and properly reinvestigate disputed information.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 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 explanation
Consumer complaint received 2025-09-12 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 submitting this complaint to formally request the immediate blocking and deletion of fraudulent accounts appearing on my credit report, which were created using my personal information compromised in the Equifax data breach. Despite submitting a detailed dispute letter to the credit bureauincluding proof of identity theft, a list of unauthorized accounts, and personal identifiersthey have failed to take appropriate action within the timeframe required by the Fair Credit Reporting Act ( FCRA ) 1681c-2 ( a ). These fraudulent accounts continue to harm my credit profile and violate my rights under federal law. I am asking the CFPB to investigate this matter and compel the bureau to permanently remove the disputed items, provide written confirmation of the actions taken, and ensure full compliance with the FCRA and other applicable consumer protection statutes. This issue poses an ongoing threat to my financial security and demands urgent resolution. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
This credit card account was opened in XXXX and closed on XX/XX/XXXX. The balance is {$0.00} and the account was legally settled, yet the tradeline continues to reflect Collection/Charge-off status with multiple late-payment notations. This is inaccurate and conflicts with the remarks that the account was legally paid/settled. I am requesting that the company and the credit reporting agencies update the tradeline to show Paid/Closed Never Late, or delete it entirely. The account status is still showing not disputed but has been disputed multiple of times

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mobiloans, LLC
State: FL

Complaint narrative:
Response to CFPB Complaint We have received your complaint submitted to the CFPB in which you allege that Mobiloans is reporting inaccurate information regarding your Mobiloans account. Specifically, you claim that although the account was closed on XX/XX/XXXX, an update was made on XX/XX/XXXX, which you believe caused the account to be re-aged after charge-off. You are requesting that this account be deleted from your credit file. 

After a full review of your account, our findings are as follows : Our records show that your Mobiloans account ending in XXXX became past due beginning XX/XX/XXXX through XX/XX/XXXX. Only one successful payment was received on XX/XX/XXXX, processed from your checking account ending in XXXX. All subsequent payment attempts were returned by your financial institution with return codes indicating insufficient funds. No successful payments were received after XX/XX/XXXX. 

As a result of these returned and missed payments, your account became delinquent. Per Mobiloans policy, once an account reaches 60 days past due, it is charged off and closed. Accordingly, your account was charged off and closed on XX/XX/XXXX with a balance of {$1100.00}. 

Regarding your concerns with credit reporting : Under the Fair Credit Reporting Act ( FCRA ), Mobiloans is required to ensure that all information furnished to credit reporting agencies is accurate and consistent. 
Mobiloans reports to XXXX only and does not report to XXXX XXXX XXXX 
Our review confirms that all data furnished to XXXX regarding your account was accurate at the time it was reported. 
The date of last activity reported on your TransUnion file is XX/XX/XXXX. Mobiloans has not furnished any additional data on this account to XXXX after that date.

Please note that Mobiloans is solely a data furnisher. We do not generate credit reports or scores, nor do we control how the credit bureaus calculate or display the aging of accounts. 

For these reasons, Mobiloans is unable to remove or delete the account from your credit file. The information furnished is accurate and reported in compliance with the FCRA.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-12 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: AZ

Complaint narrative:
Im reaching out to dispute an account thats currently showing on my credit report. I need you to certify, with full accuracy and confidence, that every single piece of data tied to this account actually belongs to me including but not limited to the account number, payment history, balances, dates, and all identifying details. 

If you can not fully verify and certify that this account and all of the information attached to it is 100 % accurate and legitimately tied to me, then you are obligated to delete the entire account from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hi, my name is XXXX XXXX. I am currently a victim of Identity Theft/ Equifax Data Breach and undergoing the proper steps of getting my credit report cleared of all of these things that weren't authorized by me. I tried to reach out to the credit bureaus and as of today still have yet to receive a response from any of them. Is that illegal? If it's not illegal it's definitely very frustrating. This situation makes me extremely sad because I was planning to purchase my first vehicle soon, and due to authorized accounts and inquiries on my credit are keeping me from doing. Based on what i've known, they were supposed to clean my report in 4 days. I have attached all correspondence below.

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 2025-09-12 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: AZ

Complaint narrative:
Im reaching out to dispute an account thats currently showing on my credit report. I need you to certify, with full accuracy and confidence, that every single piece of data tied to this account actually belongs to me including but not limited to the account number, payment history, balances, dates, and all identifying details. 

If you can not fully verify and certify that this account and all of the information attached to it is 100 % accurate and legitimately tied to me, then you are obligated to delete the entire account from my credit report immediately.

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 2025-09-12 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: NJ

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

Please delete the following accounts : XXXX XXXX XXXXXXXXXXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX - Incorrect Personal XXXX XXXXXXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX Incorrect Personal XXXX - Incorrect Personal XXXX A XXXX - Incorrect Personal, has violated my rights. 

I looked at my credit bureau credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.C. 1681B ( 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. I kindly request that you block this information from my credit report within four business days.

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 2025-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX posted a credit to my card : {$86.00} on XX/XX/year>. Email from XXXX on XX/XX/year> : " XXXX XXXX YOUR REFUND IS ON THE WAY! 

Thanks for reaching out. We processed your refund in the amount of {$86.00}. It may take 35 days for you to see it returned to your payment method on file. The time frame could vary from one financial institution to another. '' This was never credited by CapitalOne. I called XXXX to confirm credit. They confirmed that credit had been processed by them, Payment Confirmation Code : XXXX. 

I then tried to contact CapitalOne. Went round and round with automated choices that did not fit the problem. There was no option to work around it or speak to anyone, merely was redirected to another automated non-response. They had an automated chatbot that was almost comically bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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 have always prioritized meeting payment deadlines, so it's concerning to find an error indicating a late payment on my account. This mistake is causing unnecessary stress, and I kindly request that you correct it promptly by updating my records accordingly.

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