vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 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: OR

Complaint narrative:
Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report. I previously filed a dispute with Experian and provided supporting documentation, including an FTC Identity Theft Report, requesting the removal of inaccurate or unverifiable accounts related to identity theft. Despite receiving the documentation, Experian has not removed the fraudulent accounts, nor have they provided a valid reason for failing to do so. 

This behavior appears to align with the recent CFPB lawsuit against Experian, which alleges systemic issues such as failing to forward consumer-provided evidence to furnishers, relying on unreliable responses from data furnishers, and failing to adequately notify consumers of dispute outcomes. These violations reflect my experience directly Experian has neither properly investigated nor corrected the items in question, and my credit continues to be negatively affected. 


XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$610.00} Status Account charged off. {$610.00} written off. {$610.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance - Status Repossession. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$950.00} Status Collection account. {$950.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$380.00} Status Collection account. {$380.00} past due as of XX/XX/XXXX. 
XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$610.00} Status Collection account. {$610.00} past due as of XX/XX/XXXX. 
XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$370.00} Status Collection account. {$3.00} Hard inquiries XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX I am requesting that the CFPB intervene and compel Experian to : Remove the disputed accounts immediately per FCRA Section 605B ( 15 USC 1681c2 ), Provide a written explanation for their refusal to comply, if they deny removal, and Ensure accurate, fair, and complete reporting in accordance with federal law.

This complaint may also apply to Equifax and TransUnion, who have similarly failed to act upon valid identity theft documentation and maintain harmful errors on 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 2025-08-07 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: OR

Complaint narrative:
Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report. I previously filed a dispute with Experian and provided supporting documentation, including an FTC Identity Theft Report, requesting the removal of inaccurate or unverifiable accounts related to identity theft. Despite receiving the documentation, Experian has not removed the fraudulent accounts, nor have they provided a valid reason for failing to do so. 

This behavior appears to align with the recent CFPB lawsuit against Experian, which alleges systemic issues such as failing to forward consumer-provided evidence to furnishers, relying on unreliable responses from data furnishers, and failing to adequately notify consumers of dispute outcomes. These violations reflect my experience directly Experian has neither properly investigated nor corrected the items in question, and my credit continues to be negatively affected. 


XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$610.00} Status Account charged off. {$610.00} written off. {$610.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance - Status Repossession. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$950.00} Status Collection account. {$950.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$380.00} Status Collection account. {$380.00} past due as of XX/XX/XXXX. 
XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$610.00} Status Collection account. {$610.00} past due as of XX/XX/XXXX. 
XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$370.00} Status Collection account. {$3.00} Hard inquiries XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX I am requesting that the CFPB intervene and compel Experian to : Remove the disputed accounts immediately per FCRA Section 605B ( 15 USC 1681c2 ), Provide a written explanation for their refusal to comply, if they deny removal, and Ensure accurate, fair, and complete reporting in accordance with federal law.

This complaint may also apply to Equifax and TransUnion, who have similarly failed to act upon valid identity theft documentation and maintain harmful errors on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: NJ

Complaint narrative:
Capital One improperly rebilled my account on XX/XX/XXXX for XXXX charges that had been credited XXXX months earlier, in XXXX. Due to a system error, Capital One failed to update these cases timely on XX/XX/XXXX and only discovered the issue XXXX  days later, on XXXX XXXX the cases had already been closed and the credits confirmed as permanent. 

Instead of correcting their internal error, Capital One wrongfully reapplied these charges on XX/XX/XXXX and demanded a response by XX/XX/XXXX, which I provided on time. However, because Capital One neglected these cases between XX/XX/XXXX and XX/XX/XXXX, they missed XXXX dispute resolution deadlines. Their mishandling caused this improper rebilling. 

This action is illegal, unfair, and unacceptable. Capital One must not shift the consequences of their system failures onto me. 

Please refer to the attached letter for full details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: WI

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: Americas Car-Mart, Inc.
State: IA

Complaint narrative:
To Whom It May Concern, I am filing a complaint against Car Mart XXXX XXXX for what I believe are deceptive, predatory, and discriminatory lending and collection practices related to my auto loan and subsequent vehicle repossession. 

On XX/XX/XXXX, I purchased a XXXX XXXX XXXX from Car Mart. I paid {$5000.00} down toward a {$21000.00} loana figure that vastly exceeded the cars actual market value. I was misled about the financing terms and the condition/history of the vehicle. I suspect critical information was withheld, including any prior damage or value discrepancies. 

From the start, the dealerships financing and payment system seemed intentionally difficult to navigate, creating obstacles to staying current. Despite my consistent efforts to make payments and communicate, the dealership was uncooperative and refused to offer any reasonable assistance. As a result, I fell behind due to payment system failures and lack of transparencynot because of unwillingness or inability to pay. 

In XX/XX/XXXX, the car was repossessed without adequate notice, and Car Mart refused to return my personal belongings that were inside the vehicleincluding my drivers license, credit/debit cards, and my childs car seat. I made multiple attempts to retrieve these items, all of which were ignored or denied. This was not only unlawful but emotionally and financially devastating. 

During my dealings with Car Mart, I interacted primarily with employees named XXXX and XXXX, who consistently exhibited unprofessional, aggressive, and discriminatory behavior. I was treated with hostility, disrespected, and demeaned. Their actions created a hostile environment and added to my distress. 

Furthermore, while I referred at least four new customers to Car Mart, I received no acknowledgment or consideration. Instead, I was treated with indifference and hostility. 

As a result of their actions, I am now experiencing : Loss of reliable transportation Severe damage to my credit Missing legal and personal items Emotional distress and financial hardship This experience has negatively impacted my ability to work, care for my family, and meet basic obligations. I believe Car Mart XXXX XXXX is engaging in predatory lending, unfair collection practices, improper repossession procedures, and possible discriminatory conduct in violation of consumer protection laws. 

I respectfully request that the Consumer Financial Protection Bureau conduct a full investigation into Car Mart XXXX XXXX lending and servicing practices. I am willing to provide full documentation, including payment records, communication history, and a timeline of events. 

Sincerely, XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: NJ

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Rest to Block and Delete Fraudulent Accounts Identity Theft Victim Dear Transunion Consumer Services, I am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act ( FCRA ), specifically pursuant to 15 U.S.C. 1681c-2 ( a ). I am a victim of identity theft because of the TransUnion data breach, and unauthorized accounts have been fraudulently opened in my name.

The fraudulent account that I have identified on my credit report are as follows : XXXX. XXXX XXXX XXXX : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C. 1681c-2 ( a ), I request that Transunion promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.

Furthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.

If you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.

Thank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity. 

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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Complaint to the CFPB Regarding Inaccurate Credit Reporting and Improper Dispute Handling Inaccurate Credit Reporting Improper Handling of Dispute by Experian & TransUnion credit reporting agencies. 


I am filing this complaint because inaccurate late payment information is being reported on my credit reports by Experian and TransUnion regarding my federal student loans serviced by XXXX and XXXX XXXX 

On XX/XX/2025, I filed a formal dispute with the credit bureaus regarding late payments reported during the time my student loans were being transferred between servicers. I never authorized this transfer, and I believe the transition period was the cause of the inaccurate late payment records. 

After contacting both XXXX and XXXX I was told that neither company is able to locate or provide any records related to my loan files, making it impossible to verify or validate the late payments. 

On XX/XX/2025, I received an alert stating that my dispute had been updated, but the late payment records were not corrected or removed. I believe this demonstrates a failure by the credit bureaus and loan servicers to properly investigate and resolve my dispute, as required under the Fair Credit Reporting Act ( FCRA ). 

The reported late payments are unfair and inaccurate. My credit reports should reflect that all of my accounts are current and have never been late. I am requesting that the CFPB assist in ensuring the inaccurate late payment entries are corrected or removed from my credit reports. All parties involved ( credit bureaus ) are held accountable for failing to provide proper documentation or support. 
I appreciate your assistance in helping resolve this matter, as it is having a serious and unjust impact on my credit and financial wellbeing.

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 2025-08-07 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: IN

Complaint narrative:
I have recently checked my recent credit report and noticed multiple innacurate accounts that do not belong to me and are damaging to my report to myself moving forward.

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 2025-08-07 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: IN

Complaint narrative:
I have recently checked my recent credit report and noticed multiple innacurate accounts that do not belong to me and are damaging to my report to myself moving forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: NY

Complaint narrative:
Dear CFPB, I am sending to dispute fraudulent account on my credit reports, which have resulted from identity theft. This account were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). These account in question are : XXXX XXXX High Balance : {$3700.00} Account Number:XXXX Date : XX/XX/year> Duration : 7 years

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 2025-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Dear XXXX Debt Collector/Cfpb ; I am filing a complaint regarding a debt collection account that appears on my credit report without my knowledge or consent. I have no relationship with the company reporting this debt and was never notified or contracted with the original creditor. I dispute the validity of the alleged debt and formally request an investigation.

Under my rights granted by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I have demanded full validation of the debt, including : * A signed contract or agreement bearing my signature * A full itemized accounting of the debt * Proof of legal assignment or ownership * The Forward Flow Agreement showing what documents were transferred * Proof of the collectors license to collect in my state If these can not be provided, the debt is unverifiable and must be deleted. Continuing to report an unverified, disputed debt violates FCRA 1681e ( b ), 1681s-2 ( b ) and may result in liability under FCRA 1681n and FDCPA 1692k.

Furthermore, I submitted a cease and desist notice under FDCPA 805 ( c ) / 15 U.S. Code 1692c ( c ). Any continued contact without proper validation is considered harassment and a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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