vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 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:
To Whom It May Concern, this complaint is being filed because the credit reporting agencies and data furnishers have reported false, incomplete, and unverified information on my consumer credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I am requesting an immediate investigation, deletion, and proper correction of these items as they are damaging my creditworthiness and reflect serious violations of my consumer rights under federal law. 

ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX PORT ORCHARD, WA XXXX These address is inaccurate and not my residence. Reporting false addresses violates FCRA 607 ( b ) and 611 ( a ). Please remove them immediately. 

ACCOUNT XXXX XXXX Account # : XXXX * * | Opened : XX/XX/XXXX | Balance : {$0.00} | Status : Charge-Off * * Reporting a charge-off with a {$0.00} balance is inaccurate and unverifiable, violating FCRA 607 ( b ) and 609 ( a ) ( 1 ). I never received proof of charge-off notice under FCBA. Delete this account. 

INQUIRIES XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Both inquiries were unauthorized. No application or consent was given. Violates FCRA 604 ( a ) ( 2 ) and 604 ( a ) ( 3 ). Remove these inquiries immediately.

The repeated publication of inaccurate and unverified information after disputes have been filed demonstrates willful disregard of consumer protection law. I have made several good faith attempts to resolve these issues directly with the credit bureaus, yet they continue to report unverifiable data. I am requesting that the CFPB intervene, compel proper verification from the furnishers, and ensure all unverified or unauthorized information is permanently deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING 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 2025-10-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Iam filing a complaint against Capital One regarding the deceptive practices related to their XXXX " high yield interest '' savings accounts. Capital One misrepresented the XXXX Savings account as having XXXX of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: NV

Complaint narrative:
Unauthorized access to my credit report by multiple companies has directly harmed both my credit and my credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That promise has not been fulfilled, and these inquiries still remain. 

This failure to act is unacceptable. The continued presence of these unauthorized and potentially fraudulent entries is highly concerning and raises serious concerns of possible identity theft. This ongoing issue has caused significant emotional and financial distress.

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 2025-10-24 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-24 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: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: RELIANCE FIRST CAPITAL LLC
State: GA

Complaint narrative:
I am not disputing that Reliance First Capital eventually produced some documentation related to my requests. However, my complaint is that they failed to communicate or provide the complete and verifiable information when first requestedspecifically, proof of delivery of the alleged servicing-transfer notice and complete account and servicing verification. Their lack of timely and adequate response left me uncertain who legally held or serviced my mortgage. 

This delay caused months of confusion, stress, and unnecessary expense. I acted in good faithsending payments under protest solely to avoid foreclosure risk and protect my home. 

The only direct contact I have received from XXXX XXXX  was a yellow door tag ( dated XX/XX/year> ) listing only my name and a phone numberno company name or purpose. I had repeatedly requested written contact only, so this anonymous tag ignored that request and further undermined my confidence. 

I have spent significant time and personal funds sending certified letters to obtain basic information that should have been provided upfront. These costs and the resulting stress were entirely preventable had Reliance or its subservicer communicated transparently from the start.

I ask that the CFPB help ensure Reliance corrects any negative or misleading credit reporting and provides a fair goodwill adjustment or other appropriate relief to acknowledge the distress and unnecessary effort caused by its delayed and incomplete communication. I am not requesting any public admission of faultonly a reasonable resolution that recognizes the harm their handling created.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-24 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: PA

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I booked a vacation rental through XXXX, managed by XXXX XXXX, and financed it with XXXX. When I arrived, the property was misrepresented and uninhabitable due to a non-functional AC unit, despite being listed as fully air-conditioned. I immediately contacted XXXX with photos. 

XXXX confirmed that the merchant approved a full refund, and I submitted XXXX PDF files to Affirm proving this. Despite that, XXXX denied my dispute, falsely claiming the merchant provided compelling evidence. 

I contacted XXXX via live chat and phone, and their agent acknowledged that per Affirms policy, a merchant-approved refund should close the loan. I was told to waitbut shortly after, XXXX denied my dispute again, ignoring their own rules and the merchant refund approval already on file. 

XXXX ignored multiple valid support requests sent via their Help Center in XX/XX/year>2025. My dispute involved an uninhabitable vacation rental ( XXXX fully non-functional ), which the merchant ultimately confirmed and approved for refund. Despite this, XXXX refused to close the loan and has since reported me to XX/XX/XXXX, knowingly violating the FCRA while failing to uphold their own refund-based dispute policies. I am requesting a formal investigation into XXXX and its handling of this dispute. 

To make matters worse, XXXX reported the loan as XXXX days delinquent to XX/XX/XXXX, even though the dispute was active and unresolved. This has now damaged my credit, dropped my score, and jeopardized my small business loan after nearly XX/XX/XXXXyears of working to qualify. 

This situation is deeply unjust. I am being held financially responsible after the merchant approved a refund, violating XX/XX/XXXX own dispute terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I booked a vacation rental through XXXX, managed by XXXX XXXX, and financed it with XXXX. When I arrived, the property was misrepresented and uninhabitable due to a non-functional AC unit, despite being listed as fully air-conditioned. I immediately contacted XXXX with photos. 

XXXX confirmed that the merchant approved a full refund, and I submitted XXXX PDF files to XX/XX/XXXX proving this. Despite that, XXXX denied my dispute, falsely claiming the merchant provided compelling evidence. 

I contacted XXXX via live chat and phone, and their agent acknowledged that per XX/XX/XXXX policy, a merchant-approved refund should close the loan. I was told to waitbut shortly after, XXXX denied my dispute again, ignoring their own rules and the merchant refund approval already on file. 

XXXX ignored multiple valid support requests sent via their Help Center in XX/XX/year>2025. My dispute involved an uninhabitable vacation rental ( AC fully non-functional ), which the merchant ultimately confirmed and approved for refund. Despite this, XXXX refused to close the loan and has since reported me to Experian, knowingly violating the FCRA while failing to uphold their own refund-based dispute policies. I am requesting a formal investigation into XXXX and its handling of this dispute. 

To make matters worse, XXXX reported the loan as XXXX days delinquent to Experian , even though the dispute was active and unresolved. This has now damaged my credit, dropped my score, and jeopardized my small business loan after nearly XX/XX/XXXX years of working to qualify. 

This situation is deeply unjust. I am being held financially responsible after the merchant approved a refund, violating XX/XX/XXXX own dispute terms.

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 2025-10-24 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-10-24 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 

15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-24 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: EQUIFAX, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 

15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: TX

Complaint narrative:
I am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Enclosed are supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Good day, I am writing to formally dispute XXXX inaccurate, unverifiable, and outdated item listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair, accurate, and substantiated credit file. I am also protected under the Fair and Accurate Credit Transactions Act ( FACTA ) from the harmful impact of identity theft and data misuse. 

Please confirm receipt of this letter and inform me once the disputed information is deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: COMMERCE BANK
State: FL

Complaint narrative:
b'CFPB Complaint  Overview of the Issue (Commerce Bank)\n\nI submitted a written dispute to Commerce Bank on XXXX XXXX XXXX, regarding inaccurate and unverifiable information that the bank continues to furnish to XXXX, XXXX, and XXXX  for Account No. XXXX.\n\nThe dispute was sent via certified mail (No. XXXX XXXX XXXX XXXX XXXX XXXX) and was delivered XXXX XXXX XXXX, signed for by XXXX XXXX, Commerce Banks authorized agent.\n\nMy dispute identified multiple inaccuracies in Commerce Banks reporting, including account status, date opened, high credit, last reported date, date last active, and date of last payment, and requested verification or correction in accordance with 15 U.S.C.  1681s-2(b) and  1681e(b).\n\nOn XXXX XXXX XXXX, Commerce Bank responded, but the response failed to provide any verification documentation or explanation addressing the specific inaccuracies raised in my dispute. The bank did not conduct a reasonable investigation, nor did it correct or delete the inaccurate information as required by law.\n\nMy updated credit report still shows the same erroneous data, demonstrating that Commerce Bank has failed to comply with its statutory duties under the Fair Credit Reporting Act (FCRA).'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: CA

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: IN

Complaint narrative:
I need to make it clear that this complaint is not a mistake. My credit report contains inaccuracies that fail to meet the standard of maximum possible accuracy. These errors are causing significant and ongoing harm to me both emotionally and financially.

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