vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 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: NC

Complaint narrative:
I am filing a complaint because my credit reports contain multiple unauthorized and duplicate hard inquiries that I did not initiate, approve, or consent to. I did not submit any credit applications to these companies, nor did I authorize them to access my consumer report.

Under FCRA 604, a hard inquiry may only be pulled with the consumers direct authorization or as a result of a credit application I personally initiated. These companies did not have permission to access my report.

I have contacted the credit bureaus to dispute these inquiries as unauthorized, but I am requesting CFPB assistance to ensure each inquiry is investigated properly and removed if no legitimate authorization exists.

Below are the inquiries that I am disputing as unauthorized and/or duplicates : Capital One Bank USA NA XX/XX/year> XX/XX/year> XXXXXXXX XXXX  XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX  U.S. Department of Education XX/XX/year> XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Cap One via XXXX XXXX XXXXXX/XX/year> I am requesting : Full investigation into each inquiry Proof of written authorization for each inquiry Removal of any inquiry that can not be verified with proper documentation A corrected copy of my credit report I did not authorize these companies to run my credit. They are harming my credit score and affecting my ability to secure stable housing and transportation.

I request the CFPB to require each bureau and creditor to respond with verification or deletion. 
Thank you. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: AL

Complaint narrative:
Dear Sir/Madam, I am writing to file a dispute regarding the following accounts on my credit report. I request that these items be investigated for inaccuracies or incomplete reporting. Below are the details of the accounts I am disputing, separated by credit bureau : Charged Off : XXXX XXXX XXXX  {$0.00} XXXX, XXXX, XX/XX/XXXX, {$28000.00} XXXX XXXX XXXX  {$2000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX, {$190.00} XXXX XXXX XXXX XXXXXX/XX/XXXX, {$910.00} XXXX XXXX XXXX XXXX  {$1400.00} XXXXXXXX XXXX XXXX XXXX XXXX {$1300.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$440.00} XXXX XXXX XXXX  {$0.00} Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: Activehours
State: CA

Complaint narrative:
I contacted EarnIn because the repayment date they scheduled does not match my actual payday and puts me at risk of overdraft. My paydays are the XXXX and XXXX, and while my bank may show early availability, the deposit does not actually post until later in the afternoon. A morning withdrawal would cause my account to overdraft. 

I repeatedly asked EarnIn to correct the repayment date so the debit would occur only after my actual paycheck is deposited. Instead of addressing the issue, support gave me contradictory and inaccurate information. One representative told me the repayment was already in repayment, which was not true. Another told me to pause the repayment, but the pause option is not available this far in advance, making their advice impossible to follow. When I requested clarification, I received another scripted response that did not resolve anything. 

Their guidance has been inconsistent, misleading, and ineffective. EarnIn is essentially leading me to fail by refusing to adjust the repayment date, refusing to acknowledge the timing issue, and giving instructions that are impossible to follow. This puts me at direct risk of an overdraft that I can not afford.

Under Regulation E, I have the right to control the timing of electronic withdrawals to prevent improperly timed debits. EarnIn is not honoring this right and is refusing to correct a repayment schedule that they know will cause harm. I am requesting intervention so the repayment timing is corrected to match my actual pay date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: SC

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: TX

Complaint narrative:
I am filing this complaint because the credit bureaus listed below are reporting information that is inaccurate or can not be verified. I have tried disputing these items directly with the bureaus, but the issues remain unresolved. I am requesting the CFPBs help to ensure each bureau conducts a proper investigation and corrects or removes any incorrect information. 
TransUnion is also reporting several items that appear inaccurate or unverifiable. 

Inquiries XXXX XX/XX/year> XXXX XX/XX/year> These inquiries are not familiar to me. I request verification or removal. 

Late Payments XXXX XXXX Acct XXXX XXXX XXXX XXXX  Acct # XXXX I dispute these late payment entries as inaccurate. 

Missing Positive Accounts TransUnion appears to be omitting positive accounts that show up with other bureaus, which affects the accuracy and completeness of 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 explanation
Consumer complaint received 2025-11-27 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: FL

Complaint narrative:
I am filing this complaint because my consumer report contains wrong addresses and several charge-off accounts that I have no knowledge of. These errors violate FCRA 602 ( A ), 607 ( b ), 611, and 609 ( a ) ( 1 ). They are harming me financially and must be removed. 

ADDRESS XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX I have no connection to this address and its appearance violates FCRA 1681e ( b ) accuracy requirements and must be removed immediately XXXX XXXX XXXX XXXXXXXX XXXX  XXXX I never lived here and its reporting is inaccurate and unverifiable and must be deleted under 1681i ( a ) ACCOUNT XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$780.00} Charge Off I have no knowledge of this account and never authorized it and under FCRA 1681i ( a ) ( 5 ) any unverified or unauthorized account must be deleted in full because no original documentation has been produced XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX High Balance {$300.00} Collection I have no knowledge of this alleged collection account and request deletion under FCRA 1681i ( a ) ( 5 ) because it can not be verified with original records and is being reported inaccurately XXXX XXXX Date Opened XX/XX/XXXX High Balance {$210.00} Collection I do not recognize this account and never authorized it ; under FCRA 1681e ( b ) and 1681i ( a ) any unverified or inaccurate collection must be deleted immediately INQUIRY XXXX  XX/XX/XXXX -I did not authorize this inquiry and it must be removed because unauthorized access violates permissible-purpose requirements under FCRA 1681b ( f ) I am requesting immediate deletion of all inaccurate addresses and all accounts I do not recognize. These items are unverifiable, harmful, and preventing me from maintaining accurate credit records. I am asking the CFPB to ensure full compliance with the FCRA and to require that all disputed information be removed so my report reflects only truthful, verifiable, and accurate data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: GA

Complaint narrative:
I am formally disputing several accounts listed on my TransUnion credit report. These accounts are reported inaccurately, and as per the Fair Credit Reporting Act ( FCRA ), I am entitled to a correct and up-to-date credit report. I demand that these errors be corrected immediately. If this issue is not addressed within the 30-day investigation period, I will take further action, including legal measures. 

Disputed Accounts : Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00} Late Payments : XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : 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 2025-11-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Global Lending Services LLC
State: MA

Complaint narrative:
In XX/XX/year>, I purchased a vehicle through XXXX XXXX XXXX XXXX XXXX ( MA ), with financing through Global Lending Services ( GLS ). My sister, XXXX XXXX XXXX XXXX, agreed to be a co-signer and signed documents in person when a dealership employee visited her workplace. 

However, GLS is reporting my sister as the primary borrower and me as the co-signer. This contradicts the dealership paperwork. On some documents such as the sales contract, I am clearly listed as the borrower. But on the Retail Installment Contract Form 533, I am incorrectly listed as the co-signer and both wet ink signatures are missing or greyed out. 

The only document that shows my sisters signature is the GLS service contract. The actual retail installment contract that the dealership gave me does not contain her signature. We never signed electronic documents. All signatures were supposed to be done in person with wet ink. 

GLS later provided a contract with digital signatures that are not ours. My sisters digital signature does not match her valid ID signature. I never signed any contract electronically. This raises serious concerns of document alteration or forgery.

Because of these conflicting and inaccurate documents, GLS has been negatively reporting the account on both of our credit reports, including multiple late payments and a repossession. This has caused significant credit damage.

I am requesting an investigation, removal of the inaccurate reporting from both credit files, and for GLS to produce the original legally-signed version we actually signed not the altered electronic version they are using.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: VA

Complaint narrative:
I am writing to formally dispute certain items on my credit reports across the three credit bureausExperian ( EX ), XXXX ( XXXX ), and XXXX XXXX XXXX ). I believe these items to be inaccurate or incomplete, and I am requesting your investigation into these matters. Below are the details of the accounts I am disputing : CHARGED OFF EX : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} INQUIRIES XXXX XXXX XXXXXXXX Date XXXX XX/XX/XXXX AXXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX LATE PAYMENTS XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : 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 2025-11-27 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: TX

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit 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 2025-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
It's on my Credit report as of XXXX 2025. XXXX different amounts. I do not have or have not had these debts or cards. Try to remove with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: MicroBilt / PRBC (formerly CL Verify)
State: FL

Complaint narrative:
I am requesting that XXXX XXXX MicroBiltXXXX, and all other secondary consumer-reporting agencies place a security freeze on my consumer file. 
These companies have continued to share and distribute my personal and credit-related data without my authorization, and I am formally exercising my rights under the Fair Credit Reporting Act ( FCRA ) to restrict access to my information. 

I am asking the CFPB to assist in ensuring each agency places the freeze promptly and provides written confirmation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am requesting that XXXX XXXX XXXXXXXX, and all other secondary consumer-reporting agencies place a security freeze on my consumer file. 
These companies have continued to share and distribute my personal and credit-related data without my authorization, and I am formally exercising my rights under the Fair Credit Reporting Act ( FCRA ) to restrict access to my information. 

I am asking the CFPB to assist in ensuring each agency places the freeze promptly and provides written confirmation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: PA

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS. 
EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA. 
BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING. 
THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

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