vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 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:
XXXX XXXX XXXX Subject : Request for Investigation and Verification of Reported Debt with two Credit Bureaus Dear CFPB, I am writing to formally file a complaint against the three nationwide credit reporting agencies : TransUnion, XXXX XXXX XXXX  regarding the reporting of an alleged debt on my credit reports. I am requesting that the Consumer Financial Protection Bureau investigate this matter in accordance with the Fair Credit Reporting Act ( FCRA ) and ensure the credit reporting agencies fulfill their legal obligations. The item I am disputing is as follows : Creditor Name : XXXX XXXX XXXXXXXX, TransUnion. This account is being reported without proper verification or documentation. In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am formally requesting the following documentation be provided : The original signed contract or agreement bearing my signature showing that I have a legal obligation to this debt. Validation of the debt, including a full itemization of the alleged balance and how the amount was calculated. Proof of ownership, showing that the current entity reporting this debt has the legal right to collect or report this debt. Chain of assignment or transfer, including all documents showing the lawful transfer from the original creditor to any subsequent parties. Bill of sale or purchase agreement, confirming the sale or assignment of the debt to the current reporting party. Despite previous attempts to obtain this information directly from the credit reporting agencies and/or the data furnisher, the requested documentation has not been provided. Reporting an account without proper verification and documentation violates my rights under federal law. Please review this matter and compel the credit bureaus to either : Produce the requested documentation as proof of legal reporting, or Delete the inaccurate or unverifiable account from my credit file. Attached are copies of my credit reports highlighting the account ( s ) in question, as well as previous correspondence. I appreciate your attention to this matter and request that you keep me informed of the progress of this investigation. Sincerely, XXXX 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 explanation
Consumer complaint received 2025-09-15 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: PR

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax 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 : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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:
I am filing this complaint because [ Experian / Equifax / TransUnion ] has willfully ignored its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within 30 days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in XXXX XXXX TransUnion, LLC ( XXXX ), the court held inaccuracies must be corrected whether factual or legal ; in XXXX ( XXXX ), the Supreme Court reaffirmed broad FCRA liability ; and in XXXX XXXX TransUnion ( XXXX ), TransUnion paid {$23.00} XXXX after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. 

Accounts to Be Deleted 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: MO

Complaint narrative:
I am filing this complaint because [ Experian / Equifax / TransUnion ] has willfully ignored its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within 30 days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in XXXX XXXX TransUnion, LLC ( XXXX ), the court held inaccuracies must be corrected whether factual or legal ; in XXXX ( XXXX ), the Supreme Court reaffirmed broad FCRA liability ; and in XXXX XXXX TransUnion ( XXXX ), TransUnion paid {$23.00} XXXX after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. 

Accounts to Be Deleted 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 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 XXXXXX/XX/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 explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I have just one account with Capital One : a credit card, the Capital One XXXX XXXX. The account has been opened for years now, always in good standing, never had a delinquency, missed payment or delay of any kind. My credit score has been always good and currently it's around XXXX. 

On XX/XX/XXXX, I receive a letter from Capital One saying they were closing my account because " Capital One has observed activity on one or more of your [ my ] Capital One accounts that is inconsistent with typical customer account usage ''. 

On XX/XX/XXXX, I called Capital One to ask them to explain what the reason for the account closure was and, specifically, what the inconsistent usage was. My conversation was escalated twice ( so I spoke with three different representatives ). All of them repeated the vague " inconsistent usage '' and then reviewed my most recent account charges and activities and indeed found no " red flags ''. My account is in good standing, in use and for utilities, merchandise and grocery related charges. 

Nobody provided me with an explanation as to why I was suddenly and without prior warning denied credit from Capital One. My account has a small positive balance ( {$14.00} ). The representatives were only able to vaguely tell me that I will receive a check in a few billing cycles. I have also asked about my account rewards. Again the representative was not able to provide me with a specific answer : I was told I would have received a check. When asked about the conversion mechanics used ( from points to USD ), the most senior representative told me she did not know. 

Pursuant to the Equal Credit Opportunity Act, lenders are required to provide applicants and customers, upon their request, with the reasons underlying decisions to deny credit. The reason provided by Capital One is vague and their own representatives could not even hold it up over the phone and simply stated they had no information they could share with me. I believe this is a violation of my rights under the Equal Credit Opportunity Act.

If Capital One does not want to extend credit to me, it is fine but I have the right to know what the issue actually is ( so - among other things - I can make sure I can " fix '' whatever the issue in their eyes is ).

Capital One has previously entered into a formal agreement with Office of the Comptroller of the Currency due to their credit card account closing practices ( Agreement # XXXX ). 

I was also charged an annual fee within 90 days of my account closure.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-15 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: TN

Complaint narrative:
These accounts are being reported under my name without my authorization or knowledge, and I have never opened, authorized, or managed them. This is unacceptable, as it reflects false and misleading information about my financial history. I take my credit profile very seriously, and the presence of these unauthorized accounts is highly alarming.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-09-15 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$680.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$480.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$580.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$2200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$660.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$3300.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$270.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} Unauthorized Inquiries to Be Deleted : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Prizm Financial Company, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I filed for Chapter XXXX bankruptcy in the XXXX XXXX XXXX Texas ( Case No. XXXX ). Later that same day, my XXXX XXXX Model XXXX ( VIN : XXXX ) was repossessed by XXXX XXXX through its agent, XXXX XXXX  ( XXXX XXXX ). On the evening of XX/XX/XXXX, at XXXX XXXX, both Prizm Financial and XXXX Adjusters were formally notified of the bankruptcy filing. 

Despite this notice, the vehicle was never returned. Instead, Prizm and its agent retained possession, later transported the vehicle to auction, and deprived me of the opportunity to reinstate or redeem the account as required under bankruptcy protections. This constitutes a willful violation of the automatic stay under 11 U.S.C. 362.

To protect my rights, I filed a Temporary Restraining Order ( TRO ) in state court. During that process, I was given Prizm Financials attorneys contact information ( XXXX XXXX XXXX and was directed to attempt resolution without further litigation. Acting in good faith, I submitted a restructuring proposal on XX/XX/XXXX, offering increased payments, arrears treatment, and payroll deductions. I followed up again on XX/XX/XXXX. Both communications were ignored. No response was ever provided by Prizm or its counsel, despite clear notice and a court-directed opportunity to resolve this matter outside of litigation. 

In addition to the stay violation, my personal belongings inside the vehicle were lost during the transfer from Premier Adjusters lot to the auction facility. When I contacted Premier Adjusters to address this, I was subjected to degrading and discriminatory treatment : staff openly laughed when I referenced the bankruptcy filing, and XXXX slurs were used in the background during my calls. This behavior was hostile, unprofessional, and unlawful. 

In summary, Prizm Financial and Premier Adjusters : Violated the automatic stay by refusing to return the vehicle and proceeding to auction after receiving bankruptcy notice, Ignored court-directed settlement efforts by failing to respond to multiple written proposals, Mishandled my personal property during the repossession and transport, and Subjected me to discriminatory and abusive treatment. 

I am requesting a full investigation into Prizm Financial and Premier Adjusters, corrective action to address these violations, accountability for the parties involved, and appropriate relief for the financial and personal harm I have suffered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have encountered difficulties accessing my Experian Credit Bureau account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

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 2025-09-15 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: TX

Complaint narrative:
I am filing a formal complaint against Experian for inaccurately reporting a late payment on my federally held student loan account while it was officially in forbearance. This has violated the Fair Credit Reporting Act ( FCRA ) 623 and 15 U.S. Code 1681s2 ( a ), as well as provisions outlined in CARES Act guidance.

This error has caused significant credit score damage and has materially affected my financial well-being, including being denied funding for real estate purchases. The same error had been corrected in a prior dispute and has since reappeared, constituting willful noncompliance under FCRA 1681n.

Attached are my forbearance confirmation and credit report showing the inaccurate remark.

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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
A utility debt owed to XXXX XXXX for {$750.00} was transferred to Bullcity Financial Solutions for collection without my written authorization per 15 USC 1692c. Bullcity Financial Solutions failed to validate the debt per 15 USC 1692g and they misrepresented themselves per 15 USC 1692e.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Credit Corp Solutions Inc.
State: MI

Complaint narrative:
XX/XX/year> credit corp called my employer saying they needed to speak to me about settling a debt

Company response to consumer: Closed with explanation