vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-02 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:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-11-02 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: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-11-02 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I recently applied for a XXXX XXXX credit card online on XX/XX/XXXX. When I first tried submitting the application, the page froze and didnt confirm whether it went through. Thinking it was just a glitch, I waited a few minutes and submitted again both within about five minutes of each other. Later, I found out that both attempts triggered separate hard credit inquiries on my credit report, even though it was clearly just one application that resulted in a single approval. I have received my card which I want to keep.

This duplicate inquiry has now lowered my credit score and does not reflect my actual credit behavior. I never intended to apply twice, nor did XXXX XXXX have a separate permissible reason to run my credit again under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. The second inquiry was created entirely because of a technical issue with their online system. 

Ive already tried resolving this with XXXX XXXX through the XXXX XXXX XXXX, but I never received any meaningful response or correction. The extra inquiry is still showing on my reports with all three credit bureaus. Im now filing this complaint with the CFPB because its unfair that a system malfunction has hurt my credit profile and theres been no accountability.

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 2025-11-02 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: MI

Complaint narrative:
I recently applied for a XXXX XXXX credit card online on XX/XX/XXXX. When I first tried submitting the application, the page froze and didnt confirm whether it went through. Thinking it was just a glitch, I waited a few minutes and submitted again both within about five minutes of each other. Later, I found out that both attempts triggered separate hard credit inquiries on my credit report, even though it was clearly just one application that resulted in a single approval. I have received my card which I want to keep.

This duplicate inquiry has now lowered my credit score and does not reflect my actual credit behavior. I never intended to apply twice, nor did XXXX XXXX have a separate permissible reason to run my credit again under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. The second inquiry was created entirely because of a technical issue with their online system. 

Ive already tried resolving this with XXXX XXXX through the XXXX XXXX XXXX, but I never received any meaningful response or correction. The extra inquiry is still showing on my reports with all three credit bureaus. Im now filing this complaint with the CFPB because its unfair that a system malfunction has hurt my credit profile and theres been no accountability.

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 2025-11-02 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I recently applied for a XXXX XXXX credit card online on XX/XX/XXXX. When I first tried submitting the application, the page froze and didnt confirm whether it went through. Thinking it was just a glitch, I waited a few minutes and submitted again both within about five minutes of each other. Later, I found out that both attempts triggered separate hard credit inquiries on my credit report, even though it was clearly just one application that resulted in a single approval. I have received my card which I want to keep.

This duplicate inquiry has now lowered my credit score and does not reflect my actual credit behavior. I never intended to apply twice, nor did XXXX XXXX have a separate permissible reason to run my credit again under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. The second inquiry was created entirely because of a technical issue with their online system. 

Ive already tried resolving this with XXXX XXXX through the XXXX XXXX XXXX, but I never received any meaningful response or correction. The extra inquiry is still showing on my reports with all three credit bureaus. Im now filing this complaint with the CFPB because its unfair that a system malfunction has hurt my credit profile and theres been no accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX is reported with inconsistent balances and late-payment histories : Experian  shows {$1800.00} past due ; Equifax shows {$3100.00} XXXX with {$290.00} past due ; TransUnion shows {$3100.00} XXXX with {$320.00} past due. 
The same account reflects different dates of first delinquency and contradictory deferment information, although payments were deferred until XX/XX/XXXX. 

Under XXXX XXXX Trans Union ( XXXX ) and XXXX XXXX XXXX XXXX ( XXXX ), a credit bureau must perform a meaningful reinvestigation and not rely solely on automated e-OSCAR responses. 
Aidvantages inconsistent reporting violates FCRA 623 ( a ) ( 1 ) ( A ) ( accuracy ), 623 ( b ) ( 1 ) ( reasonable investigation ), and 611 ( a ) ( consumer reinvestigation rights ).

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 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted a Formal Method of Verification ( MOV ) Request under FCRA 611 ( a ) ( 7 ) for the XXXX XXXX tradeline ending in XXXX. I requested full disclosure of all verification materials used to confirm this accounts accuracy, including ownership documentation, e-OSCAR / ACDV records, and confirmation that the account is coded Consumer disputes this account.

I specifically requested that the results and supporting documents be furnished within this CFPB complaint record for transparency and supervisory oversight.

What Happened?

Follow-Up : Failure to Verify and Provide Method of Verification Within CFPB Record XXXX XXXX XXXX XXXX Acct XXXX ) This complaint concerns an XXXX  XXXX tradeline that remains on my XXXX credit report even though XXXX  previously acknowledged in CFPB responses that it sells or assigns delinquent accounts to third-party debt collectors. I disputed the tradeline and formally requested the Method of Verification under FCRA 611 ( a ) ( 7 ). 

As of today, neither XXXX nor XXXX  has provided any ownership documentation, ACDV response data, or chain-of-custody records proving who verified the account through e-OSCAR. The XX/XX/year> XXXX  report ( attached ) still lists this account as charged off with a past-due balance and no Consumer disputes this account notation a clear violation of FCRA 623 ( a ) ( 3 ) and 607 ( b ).

Affirms prior CFPB statement confirms it no longer services or owns accounts after sale, making its continued furnishing inaccurate and misleading. Because no verification evidence has been supplied and no Method-of-Verification results have been posted within this CFPB record, the tradeline is unverifiable under FCRA 611 ( a ) ( 5 ) ( A ) and 623 ( b ) ( 1 ) ( E ).

I request that the CFPB : Mark this matter as a failure to verify under 611 ( a ) ( 7 ). 
Direct XXXX  to delete or suppress the XXXX tradeline unless lawful ownership is substantiated. 
Require XXXX to identify any successor entity and upload its verification records. 
Ensure that all Method-of-Verification results and supporting documents are furnished directly within this CFPB complaint file for transparency and supervisory review. 

My identity is verified through the attached state ID and utility bill ( Exhibits 3 and 4 ) pursuant to FCRA 610 ( a ) ( 1 ).

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 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have 14 hard inquires on all 3-credit bureaus Experian, Transunion and Equifax. I've applied to 2 of them. With all 3 bureaus having their information belonging to customers compromised, even though our information did get out I don't believe that. I get mail from places saying I applied somewhere but was denied and I never applied at that place. Also I know other companies have our information and it gets compromised. You can say it doesn't because so many places have been sued and the courts are making them payout fines to the XXXX XXXX. Just alone so far in 2025 there have been 26 different ones. I'm sick of complaining to the companies requesting documentation where I applied for credit and get nothing or most say it was online. The 3 separate credit bureau companies just last night I made disputes on all of them about the 12 hard inquires and this morning they responded that their findings were correct. The disputes I made were at XXXX XXXX  Saturday XX/XX/year>2025 and on Sunday morning XX/XX/scrub>/2025 that's the answers I got. I called them on Sunday and they are closed, I know they don't work in the middle of the night. One of the where for a mortgage XXXX and I did apply for a mortgage but was denied the first month but the next 2 months they made hard inquires again. They will say sorry when notified. Most of these places I've never heard of. I'm trying to buy a house, but this kind of thing is preventing me from obtaining a new mortgage.

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 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have 14 hard inquires on all 3-credit bureaus Experian, Transunion and Equifax. I've applied to 2 of them. With all 3 bureaus having their information belonging to customers compromised, even though our information did get out I don't believe that. I get mail from places saying I applied somewhere but was denied and I never applied at that place. Also I know other companies have our information and it gets compromised. You can say it doesn't because so many places have been sued and the courts are making them payout fines to the XXXX XXXX. Just alone so far in 2025 there have been 26 different ones. I'm sick of complaining to the companies requesting documentation where I applied for credit and get nothing or most say it was online. The 3 separate credit bureau companies just last night I made disputes on all of them about the 12 hard inquires and this morning they responded that their findings were correct. The disputes I made were at XXXX XXXX  Saturday XX/XX/year>2025 and on Sunday morning XX/XX/scrub>/2025 that's the answers I got. I called them on Sunday and they are closed, I know they don't work in the middle of the night. One of the where for a mortgage XXXX and I did apply for a mortgage but was denied the first month but the next 2 months they made hard inquires again. They will say sorry when notified. Most of these places I've never heard of. I'm trying to buy a house, but this kind of thing is preventing me from obtaining a new mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: IA

Complaint narrative:
I just opened a checking account with XXXX. I have not even had the account one month and my account was hacked. I got one notification of a possible fraud alert by text and I responded right away that it was not me. After checking my account, I saw that there was 12 transactions all together for Door Dash in California. I live in Iowa and my card is with me. The total fraud charges is {$680.00}. These all took place on XX/XX/XXXX. The amounts are : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. The XXXX was not very helpful and said there was nothing she could do. I have to let the transactions happen then try to dispute. My debit card was frozen and now I have to wait a week to get a new card and no access to my money. I now dont have enough money in my account to cover my rent check. This is very frustrating since I dont make that much money and I live paycheck to paycheck. I dont see why they cant credit my account and look into. Clearly they have my address and know I reside in Iowa and not XXXX California ordering a ton of food. Thanking you in advance for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
on XX/XX/XXXX I had My XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX after Speaking to the Owner on the Phone Explaining What The needed repair issues were. I asked if he could complete the repairs in XXXX wks, He stated XXXX he could. After the XXXX arrived there I was continually put on hold and delayed XXXX weeks turned into XXXX weeks. I sent a List of needed repairs w/ the car. Every XXXX of them was either not done correctly, was done and left in an unsafe mannor jepardizing our safty, or not addressed at all. The tow truck driver XXXX from XXXX in XXXX ( I later learned ) alerted the owner on DO that the car had a severely rusted out control arm. XXXX XXXX XXXX  did not address the unsafe issue and performed and passed a nys safety inspection. XXXX  installed rear struts ( not authorized ) after getting the car back ( the rear springs were broken ), the XXXX was worked on XXXX  by XXXX  and XXXX XXXX back failing, he states in a statement to the credit card co he gave me a deal, the calipers were left hung up scraping the rotos and pads ( calipers have been replaced by another shop ) after getting the car back from XXXX, We have not been able XXXX XXXX/ use or operate the car since receiving it back XXXX XX/XX/XXXX. With the Work over an XXXX week period being totally Unacceptable and Dangerous, I am NOT Willing to return the Car to this Shop for any further damage and loss, Capital One has repeatedly been supplied with all Documenting information required, pics, complaints, notes, charges, bills etc. The Car is still today Pending Further Corrective Work and Parts to Fix it The Date today is XXXX  XXXX XXXX. I have been a Great Customer to Capital One, Paying Fee 's and Interest as much as 35.99 %. I am Very Displeased with their resolution and The Process of My Continually Calling and Submitting Documentation Online, Over The Phone and Via Snail Mail. This is NOT ACCEPTABLE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED 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 2025-11-02 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: FL

Complaint narrative:
bXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nDOB: XXXX\nSSN: XXXX\nDateXXXX XXXX XXXX XXXX XXXX XXXX\nRE: Unauthorized Fraudulent Inquiries\nTo Whom It May Concern:\nThis notice is to inform you that you unlawfully reported fraudulent INQUIRIES that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report.\n15 USC 1681b (c) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer (3) Information regarding inquiries; Except as provided in section 15 USC 1681g(a)(5) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.\nThe Following Inquires are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately:\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n \nMy identity has been stolen you are hereby put on notice. Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.  \n(1) IN GENERAL.  Whoever, during and in relation to any felony violation enumerated in subsection (c), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. An identification of me has been used without my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by Federal Law\n15 USC 1681b Permissible purpose of consumer reports\n(a)IN GENERAL\nSubject to subsection (c) any consumer reporting agency may furnish a consumer report under the following circumstances and no other:\n(2) In accordance with the written instructions of the consumer to whom it relates.\nYOU Experian have aided this Fraud by not verifying these accounts. Congress states\n15 USC 1681 Fair Credit Reporting Act\n(a)Accuracy and fairness of credit reports\n(4) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.\nPursuant 15 U.S. Code  1681c2 - Block of information resulting from identity theft.'

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