vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 2025-08-20 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: SC

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have repeatedly asked and provided my name. I have asked to fix it for months.

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 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I have repeatedly asked and provided my name. I have asked to fix it for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
Please update the latepayment accounts from my credit report, as outlined in the attached documents.

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 2025-08-20 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: ID

Complaint narrative:
Please update the latepayment accounts from my credit report, as outlined in the attached documents.

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 2025-08-20 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: NJ

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: NJ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: MO

Complaint narrative:
Inaccurate Credit Reporting by XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Details of the Complaint : I am filing this complaint due to an inaccurate and harmful entry placed on my credit report by XXXX XXXX XXXX XXXX, which has now been sold and is no longer operating under that name. The property was recently purchased by XXXX XXXX XXXX. Despite the change in ownership, a collection or derogatory account was reported on my credit file related to this apartment. This information is inaccurate, unverifiable, and causing damage to my credit profile. I have attempted to resolve this matter, but I have not received a valid explanation or verification regarding the alleged debt. Additionally : There was no proper notice or final statement of account issued to me. I was never provided an opportunity to dispute or verify the debt before it was reported. I believe this is a violation of the Fair Credit Reporting Act ( FCRA ) and possibly the Fair Debt Collection Practices Act ( FDCPA ), especially considering the change in ownership and lack of transparency. This situation is negatively impacting my credit score and my ability to obtain housing and financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: MO

Complaint narrative:
Inaccurate Credit Reporting by XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Details of the Complaint : I am filing this complaint due to an inaccurate and harmful entry placed on my credit report by XXXX XXXX XXXX XXXX, which has now been sold and is no longer operating under that name. The property was recently purchased by XXXX XXXX XXXX. Despite the change in ownership, a collection or derogatory account was reported on my credit file related to this apartment. This information is inaccurate, unverifiable, and causing damage to my credit profile. I have attempted to resolve this matter, but I have not received a valid explanation or verification regarding the alleged debt. Additionally : There was no proper notice or final statement of account issued to me. I was never provided an opportunity to dispute or verify the debt before it was reported. I believe this is a violation of the Fair Credit Reporting Act ( FCRA ) and possibly the Fair Debt Collection Practices Act ( FDCPA ), especially considering the change in ownership and lack of transparency. This situation is negatively impacting my credit score and my ability to obtain housing and financing.

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 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One has already forgiven this debt but is still reporting it as a debt on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I was approved for car finance loan but due to several negligence with the application it end up getting turned down because I was told that the approval expired so I did it again and I received the phone call for a final approval again with Capital One and the lady that was assisting customer service representative falsified information towards the application which caused my application to get returned I have proof of everything that was needed they keep giving me the runarounds and I just feel like I'm not being treated fairly they're making false allegations they have no proof of what was notated and it's causing issues with my vehicle to where I might have to lose my vehicle but I pray to XXXX that I don't I've been trying to speak with someone about this and I can never get a hold of anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
XXXX AN XXXX COMPANY # XXXX I'M UNAWARE OF THIS DEBT AND DID NOT HAVE THE OPPURTUNITY TO DISPUTE THIS ACCOUNT. IF YOU BELIEVE YOU SENT PROPER NOTIFICATION, PLEASE PROVIDE ' CERTIFIED MAIL ' WITH RECEIPT DISPLAYING MY SIGNATURE. IF NOT, OLEASE DELETE ACCOUNT # XXXX AS SOON AS POSSIBLE FROM MY REPOR OR I WILL TAKE LEGAL ACTION.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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:
am formally disputing the accuracy of one or more accounts on my Experian consumer credit file. The details of this dispute, along with supporting legal analysis, evidence, and citations, are enclosed in the attached package.

This dispute is not suitable for automated handling. It must be escalated to a compliance officer for manual review, as the issues raised include legal contradictions, material inaccuracies, and violations of federal law that can not be properly addressed through Experians e-OSCAR or automated dispute systems.

The enclosed demand letter outlines the specific accounts in question, demonstrates factual and legal inconsistencies, and cites the relevant provisions of the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and governing case law.

You are required under federal law to conduct a reasonable reinvestigation and to delete or correct all inaccurate or unverifiable items within the statutory timeframe.

Please confirm in writing that this dispute has been escalated to a senior compliance officer and provide the results of your reinvestigation within the time allowed by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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:
am formally disputing the accuracy of one or more accounts on my Experian consumer credit file. The details of this dispute, along with supporting legal analysis, evidence, and citations, are enclosed in the attached package.

This dispute is not suitable for automated handling. It must be escalated to a compliance officer for manual review, as the issues raised include legal contradictions, material inaccuracies, and violations of federal law that can not be properly addressed through Experians e-OSCAR or automated dispute systems.

The enclosed demand letter outlines the specific accounts in question, demonstrates factual and legal inconsistencies, and cites the relevant provisions of the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and governing case law.

You are required under federal law to conduct a reasonable reinvestigation and to delete or correct all inaccurate or unverifiable items within the statutory timeframe.

Please confirm in writing that this dispute has been escalated to a senior compliance officer and provide the results of your reinvestigation within the time allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: IN

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically XXXX U.S.C. XXXX Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: IL

Complaint narrative:
Im beyond frustrated with the continued presence of false, damaging information on my Experian credit report. These aren't minor oversights or XXXX  XXXX  are substantial and harmful misrepresentations that continue to sabotage my financial progress and personal stability. Ive gone through the formal dispute process in good faith, hoping the issues would be corrected responsibly, only to be met with silence and negligence. The failure to properly investigate and resolve these errors has left me feeling ignored, disrespected, and financially punished for mistakes I did not make. As a consumer, I have a legal right under the Fair Credit Reporting Act to a credit file that is completely accurate and substantiated by real, verifiable documentation. It is not my job to chase down proofIve done my part. If XXXX  can not produce direct and unquestionable evidence to support the continued reporting of these entries, then it is obligated by federal law to delete them immediately. This isnt a requestits a demand for compliance. If you continue to ignore my concerns, I will treat this as a willful violation of my rights and take further action to hold you accountable. My creditworthiness is not something I take lightly, and you should not either.

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 2025-08-20 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: MN

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Byrider Franchising, LLC
State: MO

Complaint narrative:
My auto loan servicer has been charging me {$60.00} every two weeks since XX/XX/year> for force-placed insurance, even though I had valid continuous coverage. I never received notice, and the charges now total about {$840.00}. I am requesting removal of the force-placed insurance and a full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was contacted by XXXX from phone number ( XXXX ) XXXX, threatening me with legal action on a Capital One Credit Card that was last paid in XXXX and has an unpaid balance of around XXXX. According to Florida law, the statute of limitations on debt collection is 5 years, therefore it expired on XXXX and its illegal to be threatened with legal action. I was also threatened with a lien on my current vehicle which is also illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Transworld Systems is reporting a collection account on my credit report in the amount of {$97.00}. I dispute this account as inaccurate and unverifiable. 

This company has not provided me with any proper debt validation as required under the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ). I never received a notice of this debt before it was furnished to the credit bureaus. There is no proof of a signed contract, original agreement, or wet signature authorizing Transworld Systems to collect or report this account.

By furnishing unverified and incomplete information, this company is in violation of the Fair Credit Reporting Act ( FCRA 602A and 623 ), which requires furnishers to ensure maximum possible accuracy. 

I also want to stress that due to unstable living conditions, I can not reliably receive mail. Therefore, all supporting documents and responses must be uploaded directly through the CFPB portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES XXXX XXXX. Date : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-20 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: MN

Complaint narrative:
I am submitting this formal statement regarding Equifaxs violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On XX/XX/XXXX, I disputed several fraudulent accounts and provided Equifax with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued identification, and evidence linking me to a data breach. Equifax failed to block the disputed items within the four-business-day period required under 605B and instead verified the accounts without disclosing the sources or evidence of verification, in violation of 611s mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, including XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX, which affirm consumers rights to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations, and disregard for the CFPBs XXXX bulletin, underscores Equifaxs failure to uphold consumer protections under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The personal information on my credit report were outdated.

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