vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 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: AL

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: SC

Complaint narrative:
I am a victim of XXXX XXXX this is my second attempt of notifying the bureau

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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One failed to provide any documentation in response to my requests. 
In my second CFPB complaint ( Case # XXXX ), they falsely claimed I was an unauthorized third party, even though I submitted the complaint myself, under my legal name, address, phone, and last four of my SSN ( XXXX ). 
Capital One continues to report late payments, charge interest, and call me even after the account was closed which violates the FCRA and potentially the FDCPA. 
XXXX  simply marked the account as verified as reported but never provided any evidence or explanation of how they verified the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: FL

Complaint narrative:
Please be advised that I am aware that you assumed a vital role to assemble and evaluate consumer credit and other information on me as the consumer. The fair credit reporting act was intended to ensure that you exercise your grave responsibility with fairness, impartiality, and respect for the consumers right to privacy! Congress requires you to adopt reasonable procedures for meeting the needs of commerce in a manner which is fair and equitable to me with regard to the confidentiality, accuracy, relevancy and proper utilization of such information. Congress makes it clear that I have a right to PRIVACY as a federally protected consumer! You continue to violate and disrespect my right to privacy which is a direct violation of the FCRA and the gramm leach Bliley act! I did not consent or authorize for you, or the people mentioned below to use or share my nonpublic personal information. Please be clear that no consent or authorization id IDENTITY THEFT! Your willful noncompliance has resulted in identity theft which I demand to Cease and desist! Pursuant to XXXX XXXX XXXX  ( XXXX ) congress makes it clear that a consumer report does not contain any transactions or experiences. As a result, I am demanding for the following transactions and or experiences to be updated in accordance with my written instructions List demands Pursuant to 15 USC XXXX ( a ) you have XXXX days from the date of this notice to comply with my demands as set forth in the context above. This will be my first and final attempt to resolve this as I am prepared to litigate

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 2025-08-03 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: FL

Complaint narrative:
Please be advised that I am aware that you assumed a vital role to assemble and evaluate consumer credit and other information on me as the consumer. The fair credit reporting act was intended to ensure that you exercise your grave responsibility with fairness, impartiality, and respect for the consumers right to privacy! Congress requires you to adopt reasonable procedures for meeting the needs of commerce in a manner which is fair and equitable to me with regard to the confidentiality, accuracy, relevancy and proper utilization of such information. Congress makes it clear that I have a right to PRIVACY as a federally protected consumer! You continue to violate and disrespect my right to privacy which is a direct violation of the FCRA and the gramm leach Bliley act! I did not consent or authorize for you, or the people mentioned below to use or share my nonpublic personal information. Please be clear that no consent or authorization id IDENTITY THEFT! Your willful noncompliance has resulted in identity theft which I demand to Cease and desist! Pursuant to XXXX XXXX XXXX  ( XXXX ) congress makes it clear that a consumer report does not contain any transactions or experiences. As a result, I am demanding for the following transactions and or experiences to be updated in accordance with my written instructions List demands Pursuant to 15 USC XXXX ( a ) you have XXXX days from the date of this notice to comply with my demands as set forth in the context above. This will be my first and final attempt to resolve this as I am prepared to litigate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: LA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have listed those items in my Identity Theft Report as well as highlighting those items on the credit report which is attached. Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address ( listed below ) : Full Name : XXXX XXXX Full Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Attached in the upload are the following : - A copy of my credit report I received from your company. The fraudulent items are highlighted. 

- A copy of my Identity Theft Report and proof of my identity. 

- A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnishers ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely,

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 2025-08-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
The car was paid off. So basically the took a payment a day or 2 before we got a payoff amount. We paid the car off and was promised my payment made the day before back.never got a thing. Literally had go through my bank for the {$600.00} something dollars. So basically once I did get it back Credit Acceptance opened the loan back up with an outrageous amount from me getting my {$600.00} something dollars back now the want like XXXX when my {$600.00} was owed to me.

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 2025-08-03 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: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
Account Number : XXXX To Whom It May Concern, I am submitting this formal declaration in support of my Loan Discharge Application for Forgery regarding the above-referenced account. I am the victim of identity theft, and this loan was taken out without my knowledge, authorization, or consent. 
Aidvantage has previously claimed to have provided a signed promissory note ; however, the document I received was merely a blank or template disclosure. It does not contain my name, signature, or any identifiable borrower information. Therefore, it does not constitute legally valid proof of any agreement or liability on my part. 
I have never received the funds from this loan, never signed an application or agreement related to it, and have never attended any school associated with the disbursement of these funds. This account is fraudulent, and Aidvantage has failed to provide any documentation linking me to it. 
Furthermore, under the Fair Credit Reporting Act ( FCRA ) and Department of Education regulations, I have the right to dispute and block fraudulent tradelines once proper identity theft documentation is submitted. Any continued attempt to hold me liable or report this account after receiving this completed application and supporting documentation would constitute : Fraudulent Loan Dispute Statement - FCRA 623 ( a ) ( 6 ) - Reporting information known to be inaccurate - FCRA 611 and 605B - Failure to conduct a reasonable investigation and block identity theft-related information - Deceptive and unfair practices under federal law I have enclosed the required FTC Identity Theft Report, a copy of my government-issued ID, and this signed statement. I am also providing my current signature and directing you to compare it with the signature on my ID, which is authentic and verifiable. 
Please process this discharge application without delay. If this loan is not discharged and removed, I will proceed with complaints to the CFPB, FTC, and Department of Education, and consider legal action if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Systems,Inc.
State: PA

Complaint narrative:
National Credit Systems is reporting a collection account for {$1400.00} allegedly owed to The Nines Apartments. I submitted a formal written dispute requesting validation of the debt under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). NCS has not provided a signed lease, billing ledger, or itemized charges. Despite this, the account remains on my credit report. I dispute the accuracy and completeness of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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:
Those are not my debt. I am a victim of identity theft.

These account were opened or used without my knowledge or consent. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681c-2, I am requesting the immediate removal of these fraudulent account from my credit report.

Reporting or attempting to collect this debt also violates the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692e ( 8 ), which prohibits false credit reporting of a debt that is known to be disputed.

Please delete these account and confirm in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: NY

Complaint narrative:
Those are not my debt. I am a victim of identity theft.

These account were opened or used without my knowledge or consent. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681c-2, I am requesting the immediate removal of these fraudulent account from my credit report.

Reporting or attempting to collect this debt also violates the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692e ( 8 ), which prohibits false credit reporting of a debt that is known to be disputed.

Please delete these account and confirm 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 non-monetary relief
Consumer complaint received 2025-08-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
b'Capital one bank XXXX XXXX XXXXXXXX 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 2025-08-03 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: TX

Complaint narrative:
Account Number : XXXX To Whom It May Concern, I am submitting this formal declaration in support of my Loan Discharge Application for Forgery regarding the above-referenced account. I am the victim of identity theft, and this loan was taken out without my knowledge, authorization, or consent. 
XXXX has previously claimed to have provided a signed promissory note ; however, the document I received was merely a blank or template disclosure. It does not contain my name, signature, or any identifiable borrower information. Therefore, it does not constitute legally valid proof of any agreement or liability on my part. 
I have never received the funds from this loan, never signed an application or agreement related to it, and have never attended any school associated with the disbursement of these funds. This account is fraudulent, and XXXX has failed to provide any documentation linking me to it. 
Furthermore, under the Fair Credit Reporting Act ( FCRA ) and Department of Education regulations, I have the right to dispute and block fraudulent tradelines once proper identity theft documentation is submitted. Any continued attempt to hold me liable or report this account after receiving this completed application and supporting documentation would constitute : Fraudulent Loan Dispute Statement - FCRA 623 ( a ) ( 6 ) - Reporting information known to be inaccurate - FCRA 611 and 605B - Failure to conduct a reasonable investigation and block identity theft-related information - Deceptive and unfair practices under federal law I have enclosed the required FTC Identity Theft Report, a copy of my government-issued ID, and this signed statement. I am also providing my current signature and directing you to compare it with the signature on my ID, which is authentic and verifiable. 
Please process this discharge application without delay. If this loan is not discharged and removed, I will proceed with complaints to the CFPB, FTC, and Department of Education, and consider legal action if necessary.

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 2025-08-04 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: TX

Complaint narrative:
I am writing to formally dispute and request the blocking or removal of the following accounts appearing on my credit reports with Equifax and TransUnion, pursuant to the Fair Credit Reporting Act ( FCRA ) Sections 605B ( identity theft ) and 611 ( unverifiable/inaccurate information ) : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and conflicting delinquency dates XXXX. XXXX / XXXX XXXX XXXX Credit Card Equifax : Disputed after resolution ; marked charge-off TransUnion : XXXX disagrees, derogatory remains XXXX XXXX XXXX XXXX Credit Card Equifax only Charged off and transferred, but status and balance reporting inconsistent XXXX. XXXX XXXX XXXX XXXX TransUnion only No proof of validation or notice ; possibly unauthorized or fraudulent 5. Attorney GeneralCHI Child Support Equifax only Inconsistently reported between bureaus ; not validated These accounts are either inaccurate, unverified, or may be the result of fraudulent activity. I respectfully request : - Immediate investigation and removal if unverifiable within 30 days - Blocking under FCRA 605B if accounts are tied to identity theft- Suppression of derogatory data pending reinvestigation Enclosed are my identifying documents ( ID, proof of address ) and copies of relevant credit report entries. 
Please confirm receipt and the outcome of your investigation. I am also submitting this to the appropriate credit reporting agencies. Sincerely, XXXX XXXX XXXX XXXX : XXXX XXXX : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: CO

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the 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 explanation
Consumer complaint received 2025-08-03 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: OK

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the XXXX timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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:
Delete fraudulent unauthorized account XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-08-03 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: AFNI INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding AFNI , Inc. and their continued collection efforts in violation of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXX et seq. 

On [ insert date of original request ], I submitted a written debt validation and verification request to AFNI, Inc., pursuant to 15 U.S.C. XXXXg. This request was sent to confirm the legitimacy and details of the alleged debt they are attempting to collect. I clearly instructed AFNI to cease all collection activity until proper verification and documentation were provided. 

Despite this, AFNI failed to satisfy the legal requirements of debt validation. Instead of providing : The name and address of the original creditor, An itemized statement of the alleged charges, Evidence of my legal obligation to pay the debt, AFNI merely sent a generic statement and continued with unlawful collection activities. Since that time, they have : Repeatedly contacted me via telephone and email, despite being instructed to cease communications, Sent inaccurate emails, falsely stating I had agreed to a payment plan, when no such agreement was made, Failed to validate the debt within the XXXXday period as required under 15 U.S.C. XXXX ( b ), Threatened to withdraw funds from my bank account, without my authorization or a validated claim. 

These actions represent multiple violations of the FDCPA, particularly : XXXX ( b ) Continuing collection activities without first validating the debt after a written dispute, XXXX ( XXXX ) ( A ) Falsely representing the character or legal status of the debt, XXXX Engaging in conduct that harasses or abuses the consumer, XXXX Using unfair or unconscionable means to collect a debt.

Company response to consumer: Closed with explanation