vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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: NV

Complaint narrative:
I am filing this complaint because several items on my Experian credit report appear to be inaccurate or unverifiable. 

Charged-Off Account in Dispute : XXXXXXXX XXXX XXXX Account ending in XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX, Balance : {$0.00} I believe this account is being reported inaccurately. I request that Experian verify this information directly with the furnisher and provide documentation showing the charge-off is being reported correctly. If Experian can not obtain documentation proving its accuracy, please remove or correct this item. 

Inquiry Disputes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I do not recall authorizing these inquiries. I request that Experian confirm whether they were made with my consent and for a permissible purpose under FCRA 604. If Experian can not verify authorization, I request that these inquiries be removed.

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 2025-11-13 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: AL

Complaint narrative:
I am in the process of trying to buy a home, and during a recent review of my credit reports, I discovered multiple damages, inaccuracies, and unverified information being reported about me. These derogatory items are false, misleading, and are actively harming my ability to qualify for a mortgage. This is a direct violation of my rights under the Fair Credit Reporting Act.

Under 15 U.S.C. 1681, consumer reporting agencies are required to report information that is accurate, complete, verifiable, and fair. Any information that is unverified, outdated, or incorrect can not legally remain on my report. The inaccurate accounts, unauthorized inquiries, and false derogatory marks currently appearing on my file amount to defamation of my character, cause financial harm, and interfere with major life decisions such as homeownership. 



I have attempted to dispute these items with the credit bureaus directly, yet the information was not properly investigated or validated as required by law. I am requesting that the companies involved provide full verification of EVERY disputed account and inquiry, including proof of authorization, dates, documentation, and source. Any item that can not be fully verified under FCRA guidelines must be removed immediately. 



I am filing this complaint because I want the CFPB to ensure these companies follow federal law, complete a lawful investigation, and correct or delete all inaccurate, incomplete, or unverifiable information from my federal credit reports without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: AL

Complaint narrative:
I am in the process of trying to buy a home, and during a recent review of my credit reports, I discovered multiple damages, inaccuracies, and unverified information being reported about me. These derogatory items are false, misleading, and are actively harming my ability to qualify for a mortgage. This is a direct violation of my rights under the Fair Credit Reporting Act.

Under 15 U.S.C. 1681, consumer reporting agencies are required to report information that is accurate, complete, verifiable, and fair. Any information that is unverified, outdated, or incorrect can not legally remain on my report. The inaccurate accounts, unauthorized inquiries, and false derogatory marks currently appearing on my file amount to defamation of my character, cause financial harm, and interfere with major life decisions such as homeownership. 



I have attempted to dispute these items with the credit bureaus directly, yet the information was not properly investigated or validated as required by law. I am requesting that the companies involved provide full verification of EVERY disputed account and inquiry, including proof of authorization, dates, documentation, and source. Any item that can not be fully verified under FCRA guidelines must be removed immediately. 



I am filing this complaint because I want the CFPB to ensure these companies follow federal law, complete a lawful investigation, and correct or delete all inaccurate, incomplete, or unverifiable information from my federal credit reports without delay.

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 2025-11-13 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: MI

Complaint narrative:
I am filing a complaint against Experian for reporting multiple inaccurate and unverifiable XXXX accounts and a bankruptcy that XXXX has already removed for inability to verify. 

Experian added two separate XXXX accounts with different dates and information : One XXXX shows opened in XXXX, when I was a minor in high school. I could not legally open credit, so there was no permissible purpose for any creditor to pull or create an account. 
The second XXXX shows opened in XXXX, marked as Discharged through Bankruptcy, even though XXXX removed the bankruptcy for inability to verify. 

Experian has : 1. Failed to provide any Method of Verification for the XXXX accounts or the bankruptcy. 
2. Re-added and modified accounts after deletion, which violates FCRA 611. 
3. Used inaccurate open dates, mismatched account data, and inconsistent reporting. 
4. Reported accounts without a lawful data source, since all my third-party databases ( XXXX, XXXX, XXXX, XXXX ) are frozen. 
5. Refused to mirror XXXX, who removed both the XXXX and bankruptcy because they could not be verified. 

This means Experian is maintaining negative information without verification, without permissible purpose, and without accuracy, violating : FCRA 604 Permissible Purpose FCRA 607 ( b ) Maximum Possible Accuracy FCRA 611 ( a ) Reinvestigation Requirements FCRA 623 Reporting unverifiable information

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 2025-11-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: CNG FINANCIAL CORPORATION
State: FL

Complaint narrative:
My name is XXXX XXXX, I am inquiring about the forgiveness of my XAct loan as I am experiencing extreme financial difficulties due to the Government Shutdown amidst resolution. 

I lost my car, home and everything else. I have no credit cards, familial or other financial assistance and I am also asking for all of the payments made to be refunded. I am currently looking for work and other resources. I am asking your office to XXXX this request for forgiveness ( at least the loan waiver ). 

Thank you for taking the time to read this. 

Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: AL

Complaint narrative:
PNC is not resolving my problem with the closed account. I didnt get no fall from anybody, a notice on whats going to happen to my money. 

Right now PNC is still holding my XXXX and XXXX XXXX from PNC is not doing anything to it despite being assigned to my case I attached my work receipt to cfpb XXXX here, I sent it to a XXXX direct text and email but I still didnt get no response on my money. 

XXXX PNC intention with my XXXX. 
Release my money now or you see me in XXXX XXXX next week XXXX. And XXXX XXXX XXXX on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Mon, XXXXXXXX XXXX-the capital one app stated my XXXX XXXX XXXX XXXX been repossessed. This was the first notification of any repossession at this point. The car has been repossessed by capital one. Tue, XXXX XXXX, I contacted customer service via capital one and was advised the car has been repossessed XXXX XXXX, during this call I inquire why the vehicle have been repossessed. I was advised of nothing I was told the car would be a total of XXXX dollars to get it out of repossession and nothing more when I informed that I had not been contacted or notified of a repossession. I was told I needed to speak to escalations ; escalations did not speak to me, but instead perpetrated they couldnt hear me on the call and disconnected the call. Wed, XXXXXXXX XXXX-I placed another call to customer service to request information and to discuss the repossession that XXXX initiation I was then told during this calm the vehicle was sent to auction and I needed to pay over {$3000.00} to retreat this vehicle by XXXX XXXX. again requested proof of proper notification I was in told I needed to speak to escalations, and again escalations stated that they could not hear me and disconnected the call. please note., XXXX & XXXX XX/XX/XXXX, I contacted capital one customer service to discuss my car loans and to provide information about my financial situation at no time during these calls and communications did capital one inform us that the car would be in jeopardy of being repossessed. However, on XX/XX/XXXX, the car was repossessed. And now capital one is using unethical tactics to keep us from making proper arrangements to receive the vehicle back nor is capital one abiding by my rights as a consumer. I am being forced to play by unethical, tactics, which unfair, and unreasonable. 
it does not make any sense for capital one to repossess a vehicle on the eighth and 10 days later auction it off. It doesnt make sense that the vehicle was transferred to auction XXXX business days later.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: KS

Complaint narrative:
I am following up on my disputes concerning XXXX tradelines reported by XXXX XXXX XXXX XXXX account numbers listed as XXXX in your portal ). While you marked these items as updated, the furnisher, XXXX, has not provided adequate verification as required by the Fair Credit Reporting Act. 

* * Deficiencies in the Furnishers Verification : * * 1. There is no chain of title or assignment from XXXX demonstrating the accounts legal status at transfer, nor does it show XXXX authority post-payoff.

2. A complete transactional ledger, including disbursements, payments, interest, capitalization, and adjustments from the date XXXX reported a {$0.00} balance forward, has not been provided.

3. There is no reconciliation explaining how any current principal can exist after XXXX documented posting of a {$0.00} balance. A generic Master Promissory Note does not verify a balance post-payoff. 

4. The late-payment grid reflecting XXXX days was reported while the account was actively disputed and after the previous servicer reported a {$0.00} posting. This makes those derogatory entries inaccurate or unverified.


5. Reporting of Prior Credit History of another agency as their own. 6. Failure to respo
nd within thirty days of the original dispute with the required information.

7. Failure to remove derogatory information from my credit report even after providing sufficient proof of payment of the debt. 

* * Method of Verification Requested ( 15 U.S.C. 1681i ( a ) ( 7 ) ) : * * Please provide a detailed description of the procedures used in your reinvestigation, including : - The specific records that XXXX provided to each credit bureau for their investigation. 
- The name, address, and telephone number of the furnisher who supplied those records. 
- Identification of any documents reviewed, such as the assignment/transfer instrument, a complete ledger through payoff, and a reconciliation supporting any claimed balance. 

Sincerely, XXXX XXXXXXXX XXXX XXXX  Attachments ( available upon request or previously submitted ) : XXXX XXXX XXXX XXXXXXXX documentation showing a {$0.00} balance ( payoff/satisfaction ). 
- XXXX correspondence and CFPB response ( indicating lack of ledger, assignment, and reconciliation ).

- Prior disputes and current Experian screenshots reflecting the updated status and late-payment grid.

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 2025-11-13 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: KS

Complaint narrative:
I am following up on my disputes concerning XXXX tradelines reported by XXXX XXXX XXXX XXXX account numbers listed as XXXX in your portal ). While you marked these items as updated, the furnisher, XXXX, has not provided adequate verification as required by the Fair Credit Reporting Act. 

* * Deficiencies in the Furnishers Verification : * * 1. There is no chain of title or assignment from XXXX demonstrating the accounts legal status at transfer, nor does it show XXXX authority post-payoff.

2. A complete transactional ledger, including disbursements, payments, interest, capitalization, and adjustments from the date XXXX reported a {$0.00} balance forward, has not been provided.

3. There is no reconciliation explaining how any current principal can exist after XXXX documented posting of a {$0.00} balance. A generic Master Promissory Note does not verify a balance post-payoff. 

4. The late-payment grid reflecting XXXX days was reported while the account was actively disputed and after the previous servicer reported a {$0.00} posting. This makes those derogatory entries inaccurate or unverified.


5. Reporting of Prior Credit History of another agency as their own. 6. Failure to respo
nd within thirty days of the original dispute with the required information.

7. Failure to remove derogatory information from my credit report even after providing sufficient proof of payment of the debt. 

* * Method of Verification Requested ( 15 U.S.C. 1681i ( a ) ( 7 ) ) : * * Please provide a detailed description of the procedures used in your reinvestigation, including : - The specific records that XXXX provided to each credit bureau for their investigation. 
- The name, address, and telephone number of the furnisher who supplied those records. 
- Identification of any documents reviewed, such as the assignment/transfer instrument, a complete ledger through payoff, and a reconciliation supporting any claimed balance. 

Sincerely, XXXX XXXXXXXX XXXX XXXX  Attachments ( available upon request or previously submitted ) : XXXX XXXX XXXX XXXXXXXX documentation showing a {$0.00} balance ( payoff/satisfaction ). 
- XXXX correspondence and CFPB response ( indicating lack of ledger, assignment, and reconciliation ).

- Prior disputes and current Experian screenshots reflecting the updated status and late-payment grid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I am writing to formally notify you under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ) that I demand you cease all communication with me regarding any alleged debt that you claim I owe. 

This notice serves as a written request for you and your agents, employees, and representatives to immediately stop contacting me about this matter by any means, including but not limited to telephone, mail, email, text messages, or third-party communication. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-13 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
I opened a promotional finance account through XXXX XXXX at Raymour & Flanigan for a $ XXXX couch. I was originally told payments were due once I get my statement with account info in the mail which I never received so I called the company myself and started to make payments. I paid a large sum of around {$1800.00} and thought that was the end of my balance. 

I never received any notice of a balance still owed. I then called to figure out how much money I had through raymour and flanigan as we were going to purchase more furniture and realized I still had a balance. Had I received a phone call letting me know there was a balance remaining I would have paid immediately and am still willing to pay it immediately. 

XXXX XXXX  said they charged the large interest rate and said they can not reverse it because it is past their date of reversal but I am only past due because I thought the couch was paid off. 

I called and requested for a supervisor review or a good will adjustment since it was such a low amount of money owed and I am willing to settle it today. I was told they had no promotional adjustment department and there was no one higher who could review my case and I believe is incorrect. This feels unfair since I was told to not start making payments until I received a due date in the mail which I still have never recieved and still thought it was paid off anyway with no notice otherwise which feels misleading. I never intentionally withheld payment. 

I am requesting that XXXX XXXX forgive me and remove or reduce the retroactive interest as a goodwill adjustment since the small amount still owed was an understanding and had a lack of notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I bought a XXXX gift card for XXXXXXXX XXXX  and roblox took my money and it said payment was denied but i still ahvent gotten my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: TX

Complaint narrative:
I am reporting inaccurate and inconsistent information being furnished by XXXX XXXX XXXX on my credit reports. The account in question appears with different and conflicting details on the reports from Experian, TransUnion, and Equifax. 

Account information ( for reference ) : Creditor : XXXX XXXXXXXX XXXX Account Number ( partial ) : XXXX Type : Auto Loan Reported Balance : approximately {$11000.00} Date Opened : XX/XX/year> Issues observed : The balance and charge-off information do not match between the credit bureaus. 
The status is listed as a charge-off, redeemed repossession, or charged off as bad debt, depending on the report. 
Some reports are missing the original balance or complete payment history. 
There is no clear documentation showing how the data was verified after I filed disputes with the credit bureaus. 

I have already submitted disputes directly to the credit bureaus, but each one verified the account without explaining how it was verified or providing supporting documentation. Because of these discrepancies, I believe the information being reported is incomplete or inaccurate and is negatively affecting my credit standing. 

I am requesting that the CFPB ensure : 1. XXXX XXXX XXXX reviews and confirms all data they are furnishing to the credit bureaus for accuracy and completeness. 
2. The credit bureaus correct or remove any inaccurate or unverifiable information. 
3. I receive written confirmation of the actions taken and an updated copy of my credit reports once the investigation is complete.

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 2025-11-13 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: TX

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 2025-11-13 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: TX

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