vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 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: VA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : TransUnion Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Type : XXXX  XXXX Bankruptcy Discharged Date Filed : XX/XX/XXXX Account Name : XXXX XXXX Dealer XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date account was opened : XX/XX/XXXX Equifax Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Balance : {$99000.00} Date account was opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX Balance : XXXX Date account was opened : XX/XX/XXXX Experian Account Name XXXX XXXX XXXX  Account Number : XXXX Balance : XXXX Date account was opened : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Balance : {$4500.00} Date account was opened : XX/XX/XXXX Account Name : XXXX  Account Number : XXXX Balance : XXXX Date account was opened : XX/XX/XXXX Account Name : XXXX XXXX Auto Account Number : XXXX Balance : XXXX Date account was opened : XX/XX/XXXX Account Name : XXXX  Account Number : XXXX Balance : {$1400.00} Date account was opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: NV

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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: EQUIFAX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
1. Summary of Complaint This complaint concerns a collection account reported by Midland Credit Management ( MCM ), Account Number XXXXXXXX XXXX XXXX XXXX XXXX in the amount of {$17000.00}. The original creditor is XXXX XXXX XXXX  ( XXXX ), XXXX. Despite a formal dispute submitted to TransUnion, the account was 'verified as accurate ' without sufficient documentary evidence being provided to the consumer. The account remains on my credit report as of XX/XX/XXXX. 
XXXX. Violations of the Fair Credit Reporting Act ( FCRA ) This complaint is based on violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) by both TransUnion and Midland Credit Management. Specifically : - Failure to conduct a reasonable investigation into the dispute. 
- Failure to provide supporting documentation validating the alleged debt. 
- Reporting of unverifiable and potentially inaccurate information. 
- Disregard for potential impact of the XXXX XXXX XXXX data breach, to which I was a class member and entitled to restoration services. 
XXXX. Identity Theft & Data Breach Risk The alleged account was originated by XXXX  XXXX, which was involved in a widely publicized data breach in XXXX. I am a documented class member of the XXXX XXXX XXXX ( XXXX XXXX. XXXX ), and my information may have been compromised. Any collection related to this account should be treated with heightened scrutiny and subject to validation through original account-level documentation. 
XXXX. Resolution Requested I request the CFPB to : - Investigate TransUnion and Midland Credit Management for noncompliance with the FCRA. 
- Require TransUnion to provide full documentation used to verify the account. 
- Require Midland to prove ownership and accuracy of the account with a full accounting and original signed agreements.

- If unable to verify, require deletion of the Midland account from my credit file. 
- Take appropriate regulatory enforcement action for repeated negligent handling of disputed data. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: NJ

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!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Dear CFPB, I am submitting this formal complaint regarding a collection account listed by XXXX XXXX XXXX on my Experian and Equifax credit reports. Despite three separate dispute attempts, this account remains on my reports without proper verification, in clear violation of federal consumer protection laws. 

Account Details : Creditor/Furnisher : XXXX XXXX XXXX Account Number : XXXX Balance : {$870.00} Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX ( Experian and Equifax ) Status : Collection Remarks : Account information disputed by consumer under the Fair Credit Reporting Act Dispute History : Over the past three months, I have made three formal attempts to dispute this account. In each instance, I requested the following : Proof of ownership of the alleged debt by XXXX XXXX XXXX Original documentation showing the nature and origin of the debt Verification of debt validity and legal authority to report it To date, none of this information has been provided. The time and origin of the original debt are unknown, and no documentation or contract proving liability has been submitted. 

Violations of Federal Law : XXXX XXXX XXXX and the credit bureaus are in violation of the following : 15 U.S.C. 1681i ( FCRA ) Requires a reasonable reinvestigation of disputed information and removal if unverifiable 15 U.S.C. 1681 ( FCRA of 1970 ) Establishes the consumers right to accurate and verifiable credit reporting 15 U.S.C. 1681b ( a ) ( 2 ) Limits permissible use of consumer reports to authorized purposes 15 U.S.C. 1692g ( FDCPA ) Mandates debt collectors provide written validation of debt within 30 days upon request Despite these legal obligations, the account remains, unverified and unsupported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
On XX/XX/year>, I was double charged {$68.00} by Walmart, which caused my Capital One account to be overdrawn. This caused me to miss an employee-only 40 % off sale at XXXX, which only occurs three times a year a rare chance for me to afford needed items. I also had to take out a small loan and pay fees just to bring my account out of the negative. 
I contacted both Walmart and Capital One. Walmart denied responsibility, saying they only charged me once. Capital One initially claimed Walmart was to blame but acknowledged they have received many calls recently for duplicate Walmart charges. 
Despite this being clearly visible on my transaction history, Capital One refused to initiate a dispute immediately, telling me I would have to wait until XX/XX/XXXX. When I requested written documentation of their findings or their refusal to investigate, they told me they needed " approval '' and that I may not receive anything for up to 30 days just to find out if they will even respond in writing. 
Why this matters : I am a XXXX consumer on XXXX due to XXXX, XXXX  and XXXX XXXXXXXX. This unexpected overdraft, lack of support, and missed opportunity at work have caused severe emotional distress. Ive experienced chest pain and anxiety and had to navigate an extremely difficult and triggering situation.

Capital Ones behavior violates the Electronic Fund Transfer Act ( EFTA ) and Regulation E ( 12 CFR 1005.11 ), which requires them
to : Begin an investigation within 10 business days, Provide provisional credit if necessary, and Deliver a written explanation of the results, including whether they will credit the account.

Delaying written communication by 30 days and requiring internal approval is not lawful. I'm requesting CFPB enforcement to ensure : Capital One begins a proper and timely dispute process, I receive written documentation as legally required, and They provide accountability for their role in this harmful delay. 
I contacted Walmart again to confirm the transaction and authorization numbers. I was told only one authorization for a charge was made by XXXX, Supervisor at XXXX. 
I urgently needed these funds and had to take out a loan to cover my account. I have explained that I am XXXX and this situation has caused serious emotional and financial distress, yet Capital One refuses to assist or document their response in writing. 
I understand the charge may drop off automatically, but that does not resolve the hardship and disruption this has already caused me. I am requesting a review of Capital Ones handling of this issue and immediate assistance in releasing the duplicate authorization. I hope they can address this in a way that will also prevent others from facing similar hardship due to this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccurate information : Pursuant to 15 U.S.C. 1692g ( FDCPA ) and 15 U.S.C. 1681 ( FCRA ) I am requesting immediate verification of the legal ownership servicing rights and validity of the alleged student loan debt under your authority. 
MIDLAND CREDIT MANAGEM Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have never applied to capital one. I received an email saying I was getting a card on XX/XX/XXXX. I called the company confused today and said I never card or applied or sent in documents. They said they couldn't close it because they needed some documents from me. They said I got the card and made charges on it but I never did. And I never sent my ID in to them for verification. I would like to report this act to fraud. They wouldn't give me the act number when I asked for it. I only have the last of card XXXX that was sent in my email when it said it was on the way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I never confirmed the withdrawal from my account prior to receiving the loan, b I'm they say I signed written documents

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: AL

Complaint narrative:
Following identity theft caused by a data breach, fraudulent accounts have appeared on my credit report. Pursuant to Section XXXXB of the Fair Credit Reporting Act ( 15 U.S.C. 
XXXX ( a ) ), I request immediate removal within XXXX days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX AL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5100.00} Inquiries XXXX XXXX XXXX Date XXXX XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/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 non-monetary relief
Consumer complaint received 2025-05-23 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: NM

Complaint narrative:
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 you have 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 non-monetary relief
Consumer complaint received 2025-05-23 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: NM

Complaint narrative:
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 you have 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: CA

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on 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 2025-05-23 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: TX

Complaint narrative:
There is a charge off account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) being reported by TransUnion, XXXX XXXX XXXX with a date of XX/XX/year> and a balance of {$0.00}. Despite the fact that the account has a {$0.00} balance and is clearly closed, it remains on my credit report in a derogatory status, which is misleading and damaging to my credit profile. Under 15 U.S.C. 1681c ( a ) ( 4 ), charge off accounts must not be reported longer than seven years from the date of the first delinquency that led to the charge off. Given the age of this account, this negative mark is due for suppression or removal depending on the date of first delinquency. However, none of the bureaus have verified whether it complies with reporting limitations, and instead have allowed this outdated derogatory to persist. 

This situation raises serious concerns about whether the credit bureaus are conducting reasonable investigations or simply auto-verifying items without actual documentation from the creditor. Additionally, the fact that the balance is reported as {$0.00} indicates the account has either been paid, settled, or discharged, and should no longer be flagged as a charge off without further explanation or context. These inconsistencies suggest poor data management or possibly the result of prior data breaches, where legacy accounts resurface erroneously or without proper reinvestigation.

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