vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My credit report shows collection accounts that I believe contain inaccurate information. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to a report that is accurate and verifiable. I am requesting a review of these collection accounts, and if they can not be confirmed as accurate, I ask that they be removed from my 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 non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/2025, I contacted Capital One Finance to come to a resolution regarding my auto loan that was behind due to being unemployed for 4 months. I spoke to a representative who explained a 6-month Temporary Payment Reduction Plan that I was eligible for. I listen to all the terms and agreed to enter the program. To start the program a payment of {$340.00} had to be made that day ( XX/XX/XXXX ). The customer service rep took my payment and explained this would be the amount to be auto deducted from my account every month for 6 months, next payment due on XX/XX/2025. After this was completed, I was told I would get a letter in the mail outlining the Terms and next payment due. After this conversation, I kept receiving emails concerning repossession, so I called Capital One Auto Finance again on XX/XX/XXXX and it was explained to me something was not completed correctly the first time, so they needed to get things corrected and assured me they did. I received a copy of the new Temporary Payment Reduction Plan Terms I agreed to in the mailed dated XXXX XXXX. They came and repossessed my vehicle on XX/XX/XXXX at XXXX. This has been in review with Capital One Auto Finance since XXXX XXXX. I have lost my job behind this wrongful repossession.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-11 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: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


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 non-monetary relief
Consumer complaint received 2025-11-11 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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

Complaint narrative:
Go over the materials provided ; these inquiries were submitted without warning and might be invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

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 2025-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
To Whom It May Concern, I am filing a complaint regarding my XXXX XXXX XXXX credit card account, which is managed by TD Bank. I have experienced repeated issues related to harassment-level phone calls, unclear payment processing, and unexplained charges added to my account. 

Beginning around [ XXXX ], TD Bank representatives or their affiliates began calling me XXXX or more times daily. Despite the excessive frequency, no voicemails were ever left, leaving me unsure of who was calling or why. When I eventually answered XXXX of the calls out of concern, I was transferred multiple times between representatives, resulting in a call lasting over an hour without any clear resolution. 

My main concern was to verify my payment status and pay off the account in full, as I noticed inconsistencies in how payments were reflected on the online system. Despite reaching out previously to clarify this, the issue was not resolved. Furthermore, I was informed that certain additional charges were applied to my account that could not be explained or removed by customer service. Early into my loan with them I asked how I can dispute as there was issues from day XXXX and they never directly guided me just said go to the website. I searched and search could not find anything and the day I answered they offered the same solution and finally showed me I have to find access to a printer and hand write a letter to dispute a charge which can take months, very suspicious. 

This experience has been extremely frustrating and time-consuming. The frequent, repetitive calls without voicemail messages appear to violate the Fair Debt Collection Practices Act ( FDCPA ) and Consumer Financial Protection regulations concerning excessive contact and failure to provide proper notice or communication clarity.

I am requesting : 1. A full investigation into TD Banks and XXXX XXXX XXXX communication practices. 
2. A review and explanation of all charges added to my account.

3. A correction to any inaccuracies or unauthorized fees on my credit report related to this account and a pay whats owed.

4. Written confirmation that the excessive call behavior will cease immediately.

Please let me know once this complaint has been received and assigned a case number. I am including any available documentation and screenshots showing call frequency and payment discrepancies. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-11 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: MD

Complaint narrative:
I am filing a dispute for the following accounts on my Experian credit report that I believe are inaccurately reported or in error : Charged Off Accounts : XXXX Credit Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$260.00} XXXX XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$950.00} XXXX XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} Late Payments : XXXX  XXXX Account Number : XXXX Capital XXXX Account Number : XXXX XXXX/XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account 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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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:
It gives a false impression of my financial values.

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

Complaint narrative:
These accounts are unrelated to me ; please delete them within 15 days under USC 1681g.

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

Complaint narrative:
There are inquiries on my credit report that I do not recognize. 

Due to the most recent lawsuit I request that these inquiries be removed immediately. They affect how lenders view my profile and have caused denials because of this. 

Refusing to remove these items will lead me to take further action. 

Again, these inquiries were not authorized! 

Please remove immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA
State: LA

Complaint narrative:
I have expressed my difficulty with repaying my student loans that Mohela is hounding me for. I was told to reapply with the federal student aid program ( XXXX  ) to see if I could maybe be able to pay a lower amount or no amount at all. I reapplied and from the paperwork I received from them shows that no payment is due. I also don't understand how some of my student loan balance was discharged XXXX XXXX and some balances were not. I need to know why I'm still receiving a bill when the student loan agency shows zero due. I also would like to know why only some of my balances were discharged but not all of them.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
I have lost everything of value to me when my car was repossessed and GM financial said there is nothing they can do to give me back my property since they have already sold the car and everything in it at action.

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

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) 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 you have 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 additionalXX/XX/XXXX 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 2025-11-11 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: AR

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TN

Complaint narrative:
My Coinbase account stores all of my digital currency. I have user credentials but my 2 factor authentication is set to call a number that was shut down at XXXX ( XXXX ). I have several complaints now of companies weaponizing their authentication protections against me to prevent access to my accounts.I have tried all automated account recovery tools and all are shut down and the authentication fails. This is happening on a coordinated basis as part of a cyberterrorirsm campaign launched against my law firm by criminal forces located in XXXX. Cuban organized crime is the tip of the spear as i have explained many times ( although others are involved ). This is a retribution campaign to shut down my law firm because i sued one of their fake insurance companies. THIS IS THE SAME SCAM FORMAT AS HAS HAPPENED IN XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX CFPB XXXX I explained that this is data theft. They do not care. CFPB is the only government agency that cares about this -- so thanks for that. My local FBI field agent is well aware that I am being tormented by XXXX XXXX XXXX and their XXXX and XXXX counterparts in XXXX, TN and XXXX, TN and has turned a blind eye to it. They are investing a whole bunch of money into the local economy, though. I guess i'm the big loser in the game of who can buy what's left of the United States as it stops enforcing its laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: VA

Complaint narrative:
JEFFERSNCP is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSNCP is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15

USC 1692c ( Section 805 ( c ) ). Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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:
Subject : Disputing Accounts and Inquiries on TransUnion Credit Report I am writing to dispute the following items on my TransUnion credit report. Please investigate and correct these discrepancies : CHARGED OFF ACCOUNTS : XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$1900.00} INQUIRIES : XXXX XXXX, XX/XX/XXXX LATE PAYMENT : 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 non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My credit report includes collection accounts that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit report that is accurate and verifiable. I am requesting a review of these collection accounts, and if they can not be confirmed as accurate, I ask that they be removed from my 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 non-monetary relief
Consumer complaint received 2025-11-11 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: NC

Complaint narrative:
Good day, I am writing to formally dispute 1 inaccurate, unverifiable, and outdated item listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair, accurate, and substantiated credit file. I am also protected under the Fair and Accurate Credit Transactions Act ( FACTA ) from the harmful impact of identity theft and data misuse. 

Please confirm receipt of this letter and inform me once the disputed information is deleted.

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