vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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: CA

Complaint narrative:
I am writing to dispute the following accounts on my TransUnion credit report. The accounts listed below have been inaccurately reported, and I request a thorough investigation into their accuracy and status : Charged Off Accounts XXXX XXXX  XXXX  Account Number : XXXX Date : XXXX Balance : {$2600.00} XXXX XXXX XXXX Account Number : XXXX Date : XXXX Balance : {$1200.00} XXXX XXXX XXXX  XXXX Account Number XXXX XXXX Date : XXXX Balance : {$5000.00} XXXX Account Number : XXXX Date : XXXX Balance : {$930.00} XXXX XXXX  Account Number : XXXX Date : XXXX Balance : {$6100.00} XXXX XXXX  Account Number : XXXX Date : XXXX Balance : {$3800.00} Inquiries XXXX Date : XXXX Positive Accounts No positive accounts listed for TransUnion. 

Late Payment Accounts XXXX XXXX XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: M1 Holdings Inc.
State: CA

Complaint narrative:
I am being charged recurring {$2.00} Paper Trade Confirmation Fees by M1 Finance even though my account is set to electronic delivery by default. My Documents section shows all statements as electronic with no paper option available. These fees began on my XXXX XXXX XXXX  statement and have continued through the present. I never opted in to paper confirmations, and I have not received any paper mail from M1. I contacted M1 Support and provided proof that my delivery settings are electronic, but they declined to refund the fees. I am requesting that all improper {$2.00} Paper Trade Confirmation Fees be refunded and that M1 ensure no future paper-related fees are charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am submitting this formal executive complaint due to Capital Ones continued refusal to provide reasonable hardship assistance on my credit card accounts, despite multiple documented calls and explanations of my financial situation.

I currently hold several Capital One accounts, and the monthly payments being required under my current circumstances are unmanageable : Capital One Savor : $ XXXX  monthly payment Capital One XXXX : $ XXXX  monthly payment Capital One XXXX ( second account ) : $ XXXX  monthly payment Capital One XXXX  : $ XXXX  monthly payment on a balance of only {$1300.00} These payment amountsespecially the XXXX account requiring {$140.00} on a {$1300.00} balanceare excessively high and appear to reflect predatory lending practices, particularly when no hardship options are being offered. 

Despite contacting Capital One numerous times, I have been repeatedly told that no payment plan is available due to the account status. This response is unacceptable. By refusing to enroll me in a payment plan or provide any hardship accommodation, Capital One is knowingly forcing me into payment obligations I can not currently afford. As a direct result, the accounts are reporting late every month, severely harming my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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:
Please take a look at this entryits belated and possibly incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal dispute regarding the following accounts on my TransUnion credit report : Charged-Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$590.00} XXXX  XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} Late Payments XXXX XXXX  Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-17 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
i am submitting this complaint because i am being contacted and reported on by a creditor regarding an account as cbna account numberXXXX without having received proper debt validation as required under ( 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 non-monetary relief
Consumer complaint received 2025-11-17 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: LA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ DPT EDXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ DPT EDXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: LA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-11-17 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: CA

Complaint narrative:
I am writing to express my ongoing concern regarding the unresolved disputed accounts appearing on my credit report. Despite submitting multiple requests and highlighting the inaccuracies in these accounts, no resolution or corrective action has been taken to date. These inaccurate entries are severely impacting my credit standing and creating significant challenges in my daily life. The continued presence of these errors has caused undue hardship, and I am now urging your immediate assistance in resolving this matter. I respectfully request a full and thorough investigation into each disputed account, and that appropriate steps be taken to correct and update my credit report without further delay. 
Accurate reporting is essential to restoring my financial stability, and I sincerely hope you will treat this issue as a priority. Your prompt attention and cooperation in resolving these discrepancies would be greatly appreciated. Thank you for your time and support.

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 2025-11-17 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: PA

Complaint narrative:
My TransUnion report reflects a bankruptcy filing and several accounts reported as included in bankruptcy or discharged in bankruptcy. When I contacted TransUnion I was informed that this information originated from XXXX. However, I have obtained written documentation directly from XXXX XXXX XXXX XXXX XXXX XXXX confirming that they have no record of any bankruptcy filing associated with my name, Social Security number, or address. Therefore it must be removed along with any accounts since there is no legitimate basis for any accounts to be reported.

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 2025-11-17 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: VA

Complaint narrative:
Someone stole my personal information. Please block and remove them from my credit profile. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
On XX/XX/XXXX or XXXX I submitted a Stop Payment on XXXX XXXX. I spoke with a representative with Navy Federal that assisted me with the Stop Payment. I was asked if XXXX XXXX had my account or debit card information. I told her both. She proceeded to process the stop payment and suggested I enter the amount of {$1.00} so no matter what amount XXXX XXXX tries to submit to my bank account. I will not go through. I agreed to do that. On XX/XX/XXXX, the amount I requested the Stop Payment on was paid by Navy Federal. I contact Navy Federal and explained to them I did a stop payment on XXXX XXXX. The representative reviewed my claims and the funds were return to my account. Now on XX/XX/XXXX XXXX XXXX submitted another claim and Navy Federal paid the claim. I contacted Navy Federal and explained I did a Stop Payment on XXXX  XXXX  but it was not honored. I was told that I needed to do a stop payment on both my checking account and debit card. I told them I was not informed of that, I requested a stop payment and paid the fees. It was not explained to me I needed to do a stop payment on both. Even after I mention to the representative that XXXX XXXX had both my bank account and debit card information. This error caused by Navy Federal caused a really bad hardship on me as that I was affected by the Government Shutdown at the time. Had the representative explained to me what I needed to do. I would have done just that, I am requesting the funds Navy Federal allowed to be withdrawn from my account on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
XX/XX/year> got loan from speedy cash for {$460.00}. XX/XX/year> speedy cash took {$680.00}. I called to inform them the lady said she can't do a refund but she can loan again. I was forget it. The next month I went jail and did XXXX and half years. My bank was fraudulentylbby XXXX XXXX. I got out filed police report. Finally got a statement of my account that I had been waiting on so I can add up how much was stolen. I noticed XXXX withdrawals all saying speedy cash for XXXX all saying speedy cash. And here we are. They act like they don't have a record of the amounts. Also my statement is incomplete dates are missing XXXX XXXX XXXX said so

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: SD

Complaint narrative:
I am requesting a full investigation of multiple entries on my Experian credit report that appear inaccurate or unauthorized. 

Charged-Off Accounts XXXX XXXX XXXXXXXX XXXX Acct # XXXX, XX/XX/XXXX, {$18000.00} XXXX XXXX XXXX, Acct # XXXX * *, XX/XX/XXXX, {$310.00} * * XXXX XXXX XXXX, Acct # XXXX * *, XX/XX/XXXX, {$120.00} * * I have no relationship with these creditors. These accounts were never verified with signed agreements or validation notices as required. Please investigate and remove if the furnisher can not provide full documentation proving I am responsible for these debts. 

Hard Inquiries The following inquiries were not authorized by me and should be removed if they can not be verified as consumer-initiated : 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  I did not give consent for most of these inquiries. They appear to stem from multiple auto-financing attempts and dealer pulls that were not fully authorized. I request Experian to remove or confirm each inquirys permissible purpose under FCRA 604. 

There are no other known errors on my Experian report at this time.

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 2025-11-17 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: CA

Complaint narrative:
I am writing to dispute the following information on my credit report. These items have been inaccurately reported, and I request that they be reviewed and corrected as soon as possible. Below are the details of the accounts in question : Charged Off Accounts : XXXX XXXX  Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$460.00} Inquiries : EXPERIAN XXXX XXXX  Account Date : XX/XX/XXXX XXXX  Account Date : XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX Account Date : XX/XX/XXXX XXXX XXXX XXXX Account Date : XX/XX/XXXX XXXX XXXX XXXX Account Date : XX/XX/XXXX XXXX XXXX XXXX Account Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Account Date : XX/XX/XXXX XXXX XXXX  Account Date XXXX XX/XX/XXXX XXXX XXXX XXXX  Account Date XXXX XX/XX/XXXX XXXX XXXX Account Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Account Date : XX/XX/XXXX Late Payment : XXXX XXXXXXXX XXXX XXXX Account

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