vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 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: SC

Complaint narrative:
I am submitting this formal complaint against XXXX ( Account No : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) * * for inaccurate and unlawful reporting of late payment information on my credit file. This reporting has caused significant harm to my credit profile, emotional distress, and financial reputation.

According to my records, this account was opened on XX/XX/year>, with a reported balance of {$260000.00}. However, the late payment reporting by XXXX is inaccurate, misleading, and in violation of multiple federal consumer protection laws.

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ), a furnisher of information must report data with maximum possible accuracy. XXXX has failed to meet this standard. Their reporting of late payments does not align with my actual payment history, and no proper validation or documentation was provided upon my prior disputes.

Furthermore, under 12 CFR 1024 ( RESPA Regulation X ), mortgage servicers must respond promptly and accurately to borrower inquiries and notices of error. Despite repeated written requests for validation and investigation of the alleged late payments, XXXX failed to provide any documented proof or proper resolution, thereby violating my rights under federal law.

Additionally, the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e ( 8 ) prohibits the communication of false credit information. Reporting a late payment without factual basis constitutes a deceptive practice and directly affects my ability to obtain fair credit terms.

This conduct represents negligence, willful disregard, and noncompliance with federal consumer protection statutes. The inaccurate reporting has caused tangible harm, including credit denials, higher interest rates, and emotional distress.

I am respectfully requesting that the CFPB : Conduct a thorough investigation into XXXX reporting practices regarding my account. 

Compel XXXX to provide complete validation and documented proof of the alleged late payments.

Require the immediate deletion or correction of any inaccurate or unverifiable negative information from all credit reporting agencies.

Ensure that XXXX implements compliance procedures to prevent similar consumer harm in the future.

I am attaching copies of my prior correspondence, credit report excerpts, and any supporting documents for review.

Thank you for your prompt attention to this matter. I request a written confirmation of receipt and updates on the progress of the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: MI

Complaint narrative:
On XXXX XXXX2025 Equifax signed for my letter demanding they remove the numerous hard inquiries. The letter of response dated XX/XX/XXXX 2025 from Equifax stating they investigated,

and received validation that I authorized the 21 hard inquiries on my credit report. I'm sorry but in 24 hours time they did NOT contact and receive validation from 21 different companies. Inquiries listed on my credit report are in violation of the Fair Credit Reporting Act ( FCRA ). As you are aware, under 15 U.S.C. 1681b ( a ), a consumer reporting agency may only furnish a consumer report under certain permissible purposes, including ( but not limited to ) where the consumer has provided authorization, or in connection with a credit transaction initiated by the consumer. I did not authorize or initiate any transaction that would have provided a permissible purpose for this inquiry. The reporting of this inquiry without a valid permissible purpose represents a violation of 15 U.S.C. 1681b ( f ), which states : " A person shall not use or obtain a consumer report for any purpose unless the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. '' Additionally, under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation of this dispute and delete or correct inaccurate or unverifiable information within 30 days.

Relevant Legal Precedent Pintos v. Pacific Creditors Assn, 605 F.3d 665 ( 9th Cir. 2010 ) The court held that accessing a consumers credit report without a permissible purpose under the FCRA is a violation and can expose the party to liability.

Dalton v. Capital Associated Industries , Inc., 257 F.3d 409 ( 4th Cir. 2001 ) Failure to ensure the accuracy of consumer reports can result in damages under the FCRA.

I am demanding they remove these hard inquiries or face prosecution for violating my rights!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-10-28 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: TX

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach.

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
You keep sending me letters saying that Ive missed a payment which I know were generated by a computer because God forbid we pay a human being with common sense these days when a computer came automatically sent out pointless letters you have never completely investigated the fraud claim the entire balance is fraud. I reported this to you on numerous occasions and you just ignore me for the most part. I dont understand why youve sent out paperwork to me I filled it out and sent it back into you on the rare occasion that you do reply you give me a different excuse why youve denied my request each and every time there were two cards issued myself and my husbands card neither one of us use this card. we were not at these locations. You say things like you need more information but you wont tell us one information you need thats kind of your loophole. Youll say well they didnt provide the information. What information yeah I will. No one knows what it is that you want or need and this has been going on now for a long time we did open the account years ago I mean like years and years and years ago when it was just a Kohls account and it was not Kohls XXXX. Never ever had any substantial problems had it as a Kohls XXXX  never really had any substantial problems until mail always pay our bill on time and then now all the sudden youre just going out of your way to make things complicated and difficult. Ive been a good customer for a lot of years like a lot of years. Look at my history. Look how long Ive been a customer look how many times Ive missed a payment XXXX well besides whats going on here I report to you that the card was lost or stolen. We lost it, but clearly somebody found it and started using it. Weve asked you to investigate. I mean at this point its well past the investigational period but I dont know what to tell you weve been asking for a long time for you to look into this legitimately to look into this instead you keep adding interest in late fees. If you are truly investigating this, it should take more than 24 hours and you shouldnt be charging interest and late fees. The account shouldve been XXXX  out while you were investigating none of this ever happened. You have like made up your mind instead of protecting us instead of standing behind your XXXX fraud liability youve made up your mind that this is our responsibility. Youve shown no proof to us you just keep giving us excuses that he is whenever youre not ignoring us.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Hunt & Henriques
State: CA

Complaint narrative:
Hunt & Henriques, XXXX was referred a Debt from XXXX XXXX XXXX  ( XXXX ) and threatened to take legal action on unverified debt of {$7400.00} When verification of debt was requested, XXXX sent an account from XXXX XXXXXXXX that does not match the amount they are threatening a lawsuit over, and does not verify that amount as well ( it is a single statement only )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I applied for a XXXX XXXX credit card. 
They pulled a hard credit check impacting me for 2 years. 
My credit is good and my debt to income is very good. 
They have been delaying my application. This has required hours of intervention on my part with no resolution. 
Id like the hard credit check resolved if possible and an investigation should be made on behalf of all applicants. 
This company is in the top 5 companies for complaints.

They charge insane interest rates and should be reprimanded for impacting applicants credit score when there is no resolution or staff that can accommodate questions, inquiries, complaints or solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I was a borrower through XXXX Loan Servicer from XXXX and I have since learned that XXXX  was involved in a law suite during this time period which should include my student loans and I feel that my loans should be dismissed as other have been during this time period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX, XXXX was referred a Debt from Portfolio Recovery Associates ( PRA ) and threatened to take legal action on unverified debt of {$7400.00} When verification of debt was requested, PRA sent an account from XXXX XXXX that does not match the amount they are threatening a lawsuit over, and does not verify that amount as well ( it is a single statement only )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-10-28 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: CA

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: CA

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Branch Messenger, Inc.
State: FL

Complaint narrative:
on XXXX I filed a dispute with the company concerning unauthorized charges on my account due to the amount I called to get a provisional credit because of a family emergency and they advised me that they don't don't give provisional credit to business owners which XXXX what could be considered. This has me in a bind and not able to pay for a funeral and while on the phone with the agent explaining this she advised me that I need to stay on topic and disconnected the phone. I was on top because this is a direct affect to my inability to pay. I have left messages sent emails for them to return my call and they have not

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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 have been a victim of identity theft several times in the last 2 decades while battling with Covid, XXXX, and XXXX. I have recently became a victim of identity theft in the XXXX XXXX  XXXX ( Engagement ID XXXX ) as well as the TransUnion Data Breach. I have tried on several occasions to get XXXX Account XXXX XXXX XXXX XXXX XXXX removed from my credit report. I have included the FTC identity theft affidavit as well as a copy of my driver 's license and social security card for identity verification purposes. I would like for TransUnion to remove this account immediately ( within 4 business days to comply with the federal law ) and mail me a copy of my credit report reflecting the deletion.

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 2025-10-28 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: PA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: PA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: LA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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