vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: MI

Complaint narrative:
I am a victim of a data breach and identity theft. Kindly block and delete the account within XXXX business days as required by FCRA XXXX, XXXX USC 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 2025-12-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SOFI TECHNOLOGIES, INC.
State: AZ

Complaint narrative:
I can see for XXXX of my student loans payments are due soon, however I can not view any information about my loan or make payments. I have contacted customer support and even opened a ticket but I am not getting any updates and can not access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
An unidentified charge appeared on my American Express card. It started appearing in XXXX. It is not clear who it is from or what it is for. Ive called repeatedly and they keep saying they will dispute it then I get a letter in the mail saying theyre recharging me. It seems one tries to push a charge through for something I have not received. I dont even know what it is for because the number provided ( XXXX ) XXXX says can not be completed as dialed and they seem to have sent Amex a fake receipt because CC the receipt does not state what the item is and includes a fake website that does not load or exist ( XXXX ). XXXX shows the phone number area code is somewhere in XXXX, the websites domain is in XXXX and the receipt is billed in XXXX XXXX. 

I have not received anything in exchange do the billed amount of XXXX KR / {$190.00}. 

I have checked emails thoroughly, physical mail and made every effort possible to get more information from the merchant or AMEX. 

Additionally all my purchases are done online. I have not left my home for the past year and a half.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: OH

Complaint narrative:
On XX/XX/XXXX, I reviewed my credit report and found several hard inquiries that I did not authorize. These include, but may not be limited to : 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 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 I have not applied for credit cards, auto loans, or other credit products with these companies, nor did I authorize these inquiries. I am concerned these may be the result of identity theft or an error.

I have contacted the credit bureau ( s ) to dispute these inquiries and requested an investigation, but the issue remains unresolved.

I am requesting that these unauthorized inquiries be removed from my credit report as they were made without my consent and are negatively impacting my credit score. Please investigate and take appropriate action to correct my credit file.

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 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Avant Holding Company, Inc.
State: GA

Complaint narrative:
I have called the credit cards numerous times and sent emails to fix the issue that I'm not in bankruptcy that it was XXXX and sent discharge letter and tried to make numerous attempt to pay my credit card bill and they not trying to fix the issue. 

This is with Avant Credit Card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
XXXX, XX/XX/XXXX Your account originated by Capital One, N.A. ( Platinum Secured ) is being handled by our team. 

Flexible payment choices await at info.halstedfinancial.com. 

Your payment of {$890.00} on XX/XX/XXXX qualifies you for more flexible offers : info.halstedfinancial.com. 


XXXX XXXX Notice It is the policy of XXXX XXXX XXXX, the current creditor, to delete the tradeline upon satisfaction of an account that they have reported. Please note, this applies only to the tradeline reported by XXXX XXXX XXXX and will not affect the tradeline of the original creditor or any other third party. 

XXXX XXXX : Capital One, XXXX. 
Our Reference Number : XXXX Original Creditor Account Number : XXXX Current Creditor To Whom Debt Is Owed : XXXX XXXX XXXX Total Balance Due : {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: VA

Complaint narrative:
This is a follow-up complaint regarding Transunion 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Transunion repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Transunion to potential regulatory and civil liability.

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 2025-12-02 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
COLUMBIA DEBT RECOVERY LLC DBA GENESIS, XXXX XXXX. Requested validation of debt and received non complete and invalid invoices Received XX/XX/year>. Which did not add up to my total due amount. My security deposit does not reflect in the debt fees or invoices. Total dues {$3000.00}. Security Deposit {$1200.00}.

Charged total of {$210.00} for cleaning and deep cleaning, which they provided a proper invoice. Invalid invoice with incorrect account number charged total of {$380.00} for trash removal. Invoice for {$1200.00} for vinyl and carpet replacement. No other invoice were provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: CA

Complaint narrative:
I must emphasize that this complaint is not a mistake and is entirely legitimate. My credit report contains inaccuracies that do not meet the required standard of maximum possible accuracy. 
These errors are causing significant emotional distress and ongoing negative impacts on my life, which are profound and far-reaching.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2025-12-02 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: GA

Complaint narrative:
I am submitting this complaint because my credit reports from Experian, Equifax, and TransUnion contain multiple conflicting and inaccurate entries related to the following accounts : XXXX XXXX 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 2025-12-02 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:
I am submitting this complaint to dispute multiple inaccurate and misreported accounts on my credit report. The accounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  balance {$1600.00}, charged off, opened XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$0.00}, opened XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  balance {$0.00}, opened XX/XX/XXXX ), XXXX XXXX XXXX balance {$0.00}, opened XX/XX/XXXX ), XXXX XXXX ( opened XX/XX/XXXX ), XXXX XXXX opened XX/XX/XXXX ), and XXXX XXXX XXXX  ( XXXX XX/XX/XXXX XXXX. These accounts are reported with incorrect balances, dates, or statuses that do not reflect my payment history or current obligations, and they have caused significant negative impact on my creditworthiness and financial standing.

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 2025-12-02 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: SC

Complaint narrative:
I am submitting this complaint to dispute multiple inaccurate and misreported accounts on my credit report. The accounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  balance {$1600.00}, charged off, opened XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$0.00}, opened XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  balance {$0.00}, opened XX/XX/XXXX ), XXXX XXXX XXXX balance {$0.00}, opened XX/XX/XXXX ), XXXX XXXX ( opened XX/XX/XXXX ), XXXX XXXX opened XX/XX/XXXX ), and XXXX XXXX XXXX  ( XXXX XX/XX/XXXX XXXX. These accounts are reported with incorrect balances, dates, or statuses that do not reflect my payment history or current obligations, and they have caused significant negative impact on my creditworthiness and financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: AR

Complaint narrative:
I am submitting this follow-up regarding multiple inaccuracies on my credit reports with Experian, Equifax, and TransUnion, which misrepresent my payment history and legal financial status. Specifically, my XXXX XXXX XXXXXXXX XXXX XXXX account, opened XX/XX/XXXX with a reported balance of {$460000.00} and last payment XX/XX/XXXX XXXX XXXX, shows multiple late payments ( XXXX in XXXX XXXX, XXXX in XX/XX/XXXX, XXXX in XX/XX/XXXX ) despite all payments being made on time and confirmed by my bank records. My XXXX XXXX XXXX XXXX account, opened XX/XX/XXXX with a balance of {$21000.00} and last payment XX/XX/XXXX, reports extensive late payments, including XXXX, XXXX, XXXX, and XXXX delinquencies from XXXX through XXXX, which are wholly inconsistent with my verified payment history and are not reported in Experian or Equifax, resulting in incomplete and misleading reporting. Additionally, my XXXX XXXX XXXX XXXX account, with a {$0.00} balance, was legally XXXX in a XXXX  XXXX bankruptcy but continues to be reported as unresolved or tied to a negative status. These inaccuracies violate FCRA 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ) / ( a ) ( 2 ), as furnishers and credit reporting agencies are required to maintain maximum possible accuracy, reinvestigate disputed items, and correct any inaccurate reporting. The misreporting of late payments and XXXX accounts materially misrepresents my financial behavior and creditworthiness. I dispute all inaccurate, unverifiable, and misleading information and request immediate reinvestigation and correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
My vehicle loan for a XXXX  XXXX ( VIN : XXXX ) was paid off approximately 20 years ago. Despite the loan being satisfied, Chrysler Financial has never provided a XXXX  release document or filed an electronic XXXX  release with the California XXXX. Chrysler Financial still appears as the XXXX  on the vehicle 's XXXX record. 

Over the years, I have contacted Chrysler Financial multiple times to request a XXXX  release. Each time, representatives have stated they would send the document, but it has never arrived and no electronic release has been filed. 

I am requesting that Chrysler Financial immediately file an electronic XXXX  release with the California DMV to clear this title, or provide a written XXXX XXXX document so I can file it myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: CA

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE. 

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA. 

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. 

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: FL

Complaint narrative:
I disputed late payments reported by XXXX XXXX for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with Experian on XX/XX/XXXX. Experian notified me that XXXX certified the information as accurate, but XXXX did not provide any documentation, payment history, timestamps, or evidence proving these late payments actually occurred. 

I requested verification and supporting information, but XXXX did not provide anything. Their investigation was not reasonable and did not fix the error as required under FCRA 623 ( a ) ( 8 ). 

I am asking XXXX XXXX to : XXXX. Provide full documentation proving the reported late payments for XXXX, XXXX, and XX/XX/XXXX, OR 2. Remove the late payments from all credit bureaus since they can not be verified. 

This inaccurate reporting is harming my credit, and I am requesting CFPB assistance to get this resolved.

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