vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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: PA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately 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 explanation
Consumer complaint received 2025-11-21 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:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: AL

Complaint narrative:
XXXX XXXX  Account Ending XXXX The balance has not updated since XXXX. 
Payment history shows gaps and missing months. 
Repossession date appears inconsistent with balance updates.

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 2025-11-21 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Netspend Corporation
State: IL

Complaint narrative:
On XX/XX/year> I received a NetSpend card in the mail with my name and address that I did not apply for. I called the company and had to provide the number on the card in order to talk to someone, I couldn't get through to talk to someone until I provided my social security number which I did not want to do because I never applied for this card. 

Once I got through to someone I wanted to have all of my information deleted in their account since I didn't request this card. They said there was nothing to " delete '' because I did not activate the card. 

I also requested information on when and how the account was opened under my name and address but they would not provide any information. They instructed me to just destroy the card and not activate it.

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 2025-11-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
I bought additional warranty under the impression that the warranty would cover up to XXXX  months. I called the warranty company since I wanted to verify that it would cover the work that was needing done on my vehicle. Upon calling the warranty company, I was informed that the warranty is based off the current miles of the vehicle. Im upset because I paid an additional {$4000.00} on this warranty that was supposed to be good up until XXXX months, but now Im being told it is voided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: TN

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 XXXX  years. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-11-21 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: CA

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 2025-11-21 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: VA

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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-21 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: MS

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-21 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: MS

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-21 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: CA

Complaint narrative:
I am disputing the following inaccurate information on my TransUnion credit report : XXXX. Charged Off Accounts Account Name Account Number Account Date Balance XXXX XXXX XXXX XX/XX/XXXX {$62.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$520.00} XXXX. Inquiries Account Name Account Date XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove any inquiries that can not be verified as authorized. 

XXXX. Late Payments Account Name Account Number XXXX XXXXXXXX XXXX XXXX XXXX  XXXX These late payments are disputed. I request verification and correction or removal if 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 non-monetary relief
Consumer complaint received 2025-11-21 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: PNC Bank N.A.
State: OH

Complaint narrative:
The XXXX  XXXX has requested my truck title for registration ( I have a loan against it ) twice ( on XX/XX/year> and XX/XX/year> ) and I requested it on XX/XX/year>. We fave fax receipts on these requests and no response from PNC. My XXXX temp tag has expired and I have a XXXX tag. 

I am not interested in anymore excuses or reasons. I need the title sent to the XXXX  XXXX so i can register the vehicle and follow the law. 

Address is : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: FL

Complaint narrative:
Multiple items on my Equifax credit report are being inaccurately reported in violation of the Fair Credit Reporting Act ( FCRA ). Some accountssuch as XXXX XXXX XXXX and XXXX conflicting status compared to other bureaus ( marked Paid in XXXX but Derogatory in Equifax ) . Additionally, numerous hard inquiries from companies like XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX lack proper verification or permissible purpose, which is a violation of 15 U.S.C. 1681b.

There are also inconsistencies in my personal identifiers, including incorrect or unverified previous addresses and employers. These errors violate FCRA 1681e ( b ), 1681i, and 1681g, and negatively impact my credit profile and access to fair lending.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: NC

Complaint narrative:
I am disputing several accounts that are reporting inaccurate information and violating the Fair Credit Reporting Act ( FCRA ). The payment history, dates of first delinquency, charge-off dates, and balance reporting are inconsistent and do not match my records or my credit file. Several accounts are showing multiple different delinquency codes within the same month, which is not permissible under FCRA 623. Some accounts appear to have been re-aged, which is also a violation. 

The inaccurate accounts include : XXXX XXXX XXXX reporting wrong dates and repeated derogatory codes XXXX XXXX XXXX reporting CO/150/180 days in the same months and incorrect delinquency dates XXXX XXXX inconsistent dates and possible re-aging XXXX  late payments after the account was closed ( not possible ) XXXX XXXX inconsistent payment history reporting I am requesting a full reinvestigation. If the furnisher can not verify accurate dates, balances, and payment history that matches the FCRA requirement of complete and consistent reporting, the inaccurate information must be deleted from my credit file. 

These errors are causing harm to my credit standing and do not reflect my actual account history. I am not requesting removal of accurate informationonly deletion of information that can not be verified and is being reported incorrectly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: NC

Complaint narrative:
I am disputing several accounts that are reporting inaccurate information and violating the Fair Credit Reporting Act ( FCRA ). The payment history, dates of first delinquency, charge-off dates, and balance reporting are inconsistent and do not match my records or my credit file. Several accounts are showing multiple different delinquency codes within the same month, which is not permissible under FCRA 623. Some accounts appear to have been re-aged, which is also a violation. 

The inaccurate accounts include : XXXX XXXX XXXX reporting wrong dates and repeated derogatory codes XXXX XXXX XXXX reporting CO/150/180 days in the same months and incorrect delinquency dates XXXX XXXX inconsistent dates and possible re-aging XXXX  late payments after the account was closed ( not possible ) XXXX XXXX inconsistent payment history reporting I am requesting a full reinvestigation. If the furnisher can not verify accurate dates, balances, and payment history that matches the FCRA requirement of complete and consistent reporting, the inaccurate information must be deleted from my credit file. 

These errors are causing harm to my credit standing and do not reflect my actual account history. I am not requesting removal of accurate informationonly deletion of information that can not be verified and is being reported incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: CA

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2025-11-21 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: MD

Complaint narrative:
Can you look this over? I did it too late and it might be erroneous.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I am filing a complaint regarding inaccurate and harmful reporting on my credit file related to my former auto loan with Ally Financial. 

Ally is reporting multiple pieces of information that are factually incorrect, inconsistent, or contradictory. These errors are severely impacting my credit standing. 

XXXX. Ally is reporting my account as Included in Bankruptcy, which is false. 

I have never filed bankruptcy. This is a serious and damaging inaccuracy that violates : FCRA 1681e ( b ) failure to assure maximum possible accuracy FCRA 1681i failure to properly investigate disputed information XXXX. Ally is reporting a XXXX delinquency, charge-off, and past-due balances AFTER the account was already closed. 

The payment history shows : XXXX late XXXX late XXXX late XXXX late XXXX late XXXX late Charge-off codes Closed status These codes overlap in ways that are not consistent with normal reporting standards and appear duplicative or artificially extended. 

XXXX. The account shows conflicting Date of Last Activity, Date of First Delinquency, and Closed Date. 

The dates do not align and appear to have been updated in a way that re-ages the debt or extends the period of delinquency. 

XXXX. The account contains multiple narrative codes that contradict each other. 

Examples include : Pays as agreed Charge-off Included in bankruptcy Closed account/zero balance These codes can not all be true simultaneously. 

XXXX. These inaccuracies are significantly damaging my credit score and my ability to secure stable housing and transportation. 

The reporting is not consistent with the original loan terms, my actual payment history, or my records. 

What I am requesting : I am asking that the CFPB require Ally Financial to : XXXX. Conduct a full investigation into the accuracy of the reporting. 


XXXX. Remove all inaccurate, inconsistent, or contradictory data from my credit reports. 


XXXX. Provide corrected information to all three credit bureaus ( XXXX XXXX XXXX  ). 



These errors are causing substantial harm, and I am requesting prompt correction under the Fair Credit Reporting Act. 


-- -

Company response to consumer: Closed with explanation