vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX : XXXX : XXXXXXXX  : XX/XX/XXXX RE : Second Notice Formal Dispute of XXXX XXXX & XXXX Reporting ( Acct # XXXX XXXX XXXX Dear Experian, This is a formal second dispute notice regarding the XXXX XXXX XXXX XXXX  account on my Experian credit report . I previously disputed this account on the grounds of multiple FCRA and USC Title 15 violations. Your response indicated the item was verified and updated, yet no substantive documentation or legally sufficient verification was provided. 

This account continues to report incorrect, inconsistent, and unverifiable data in violation of : Legal Violations Cited : FCRA 1681e ( b ) You are required to maintain maximum possible accuracy. The simultaneous reporting of repossession and charge-off contradicts itself, and financial figures such as the balance ( {$7000.00} ) and charge-off amount ( {$5500.00} ) remain inconsistent.

FCRA 1681i ( a ) ( 1 ) ( A ) Reinvestigation procedures require original documentation from the furnisher. You did not provide a copy of the signed loan agreement, proof of default, payment ledger, or repossession documents. Verified is not a legal conclusion unless backed by original evidence.

FCRA 1681i ( a ) ( 5 ) ( A ) Any item that can not be verified must be permanently deleted from the file.

USC Title 15 1692g and 1692e Any collection activity related to this reporting without providing a full itemization of the debt or misrepresenting the legal status of the account is in violation of the Fair Debt Collection Practices Act.

Inaccurate Reporting Timeline The date of first delinquency and delinquency first reported ( XX/XX/XXXX ) appear to be artificially updated ( re-aged ), violating FCRA 605 ( c ). 

Action Required : I demand a full reinvestigation with supporting documentation sent directly to me. If this item can not be verified with the original signed contract and related records, it must be immediately removed from my file. Continued reporting without proper documentation may constitute willful noncompliance under FCRA 616 and may result in formal complaints and legal action.

Sincerely, XXXX XXXX XXXX [ Signature if mailing ]

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This complaint is against Equifax for failing to remove an inaccurate XXXXXXXX XXXX charge-off ( Acct : XXXX ) despite multiple disputes supported by IRS Form 1099-C and Transcript, per 26 USC 6050P and 15 USC 1681i ( a ). 

I submitted formal disputes on the following dates along with the confirmation number : XX/XX/XXXX XXXXXXXX ( CFPB confirmation ) XX/XX/XXXX XXXX XXXX XXXXXXXX Per 26 USC 6050P , creditors must file 1099-C for canceled debt over {$600.00}. This account was charged off at {$12000.00}. The IRS approved the 1099-C Cancellation of Debt form and 1099-C Cancelation of Debt Transcript. 

XXXX  removed the account after reviewEquifax has not. This debt was canceled and reported to the IRS, yet Equifax continues to report it as a charge-off, in violation of federal law. Enough is enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year> Capital One sent me a letter indicating they were closing all three of my credit cards after an argument with a customer service representative. Capital One stated in their letter they would be sending a refund for all three accounts within 10 business days. They have sent 2 of the three refunds owed to me. They have refused to process the final refund check for {$470.00} for account ending in XXXX XXXX XXXX credit card. This is theft via fraud from Capital One. I have attached the XXXX XXXX checks they sent immediately without including the remaining account payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-25 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: EQUIFAX, INC.
State: FL

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/year> I tried to use my debit card to buy food at XXXX. It was declined by US Bank.I called the US Bank address listed on my debit cardTheir website telephone message admits I have more than {$9000.00} in my checking account but their staff also claims the account is overdrawn. It is a logical impossibility. Only 3 weeks ago I had more than {$20000.00} in the account and 3 direct deposits have been made to the, account since then.

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 2025-07-25 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:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: CT

Complaint narrative:
I disputed the accuracy of account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, on my credit report, as it remains unverified despite my prior dispute. Under 15 U.S.C. 1681i, The credit agencies must conduct a reasonable investigation and remove unverified accounts within 30 days. Additionally, 1681e ( b ) requires procedures to ensure maximum accuracy. Your failure to validate this account with a signed contract or payment history violates these provisions and contract law principles, as no evidence of mutual assent or consideration exists, rendering the debt unenforceable. This inaccuracy has caused significant harm, including denial of a USDA XXXX XXXX XXXX due to my credit score, resulting in financial losses. Precedents like 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 ) affirm consumer remedies for FCRA violations and inaccurate reporting. I demand immediate deletion of this account and written confirmation by XX/XX/XXXX. Provide a detailed investigation report, including all evidence reviewed. Failure to comply will prompt legal action for FCRA violations, defamation, and damages, with all correspondence documented for litigation. Contact me at XXXX to confirm compliance. All rights under FCRA and state law are reserved.

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 2025-07-25 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: CT

Complaint narrative:
I disputed the accuracy of account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, on my credit report, as it remains unverified despite my prior dispute. Under 15 U.S.C. 1681i, The credit agencies must conduct a reasonable investigation and remove unverified accounts within 30 days. Additionally, 1681e ( b ) requires procedures to ensure maximum accuracy. Your failure to validate this account with a signed contract or payment history violates these provisions and contract law principles, as no evidence of mutual assent or consideration exists, rendering the debt unenforceable. This inaccuracy has caused significant harm, including denial of a USDA XXXX XXXX XXXX due to my credit score, resulting in financial losses. Precedents like 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 ) affirm consumer remedies for FCRA violations and inaccurate reporting. I demand immediate deletion of this account and written confirmation by XX/XX/XXXX. Provide a detailed investigation report, including all evidence reviewed. Failure to comply will prompt legal action for FCRA violations, defamation, and damages, with all correspondence documented for litigation. Contact me at XXXX to confirm compliance. All rights under FCRA and state law are reserved.

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 2025-07-25 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: LA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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 am insisting on the prompt deletion of the disputed item and immediate escalation of this matter to an Equifax compliance supervisor. Failure to resolve this swiftly will result in a formal complaint to the Office of the Inspector General ( OIG ) and a request for intervention from congressional authorities. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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:
I am disputing inaccurate and unfair negative items reported on my credit files by TransUnion is specifically reporting the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection/Chargeoff XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection/Chargeoff - Original creditor : XXXX XXXX XXXX XXXX These items are reported without proper verification, documentation, or compliance with the updated credit reporting protections under SB5480.

SB5480 strengthens consumer protections by requiring credit bureaus and debt collectors to properly verify, document, and review medical debt and other negative items, especially when disputed.

Despite my attempts to correct these inaccuracies, the bureaus have continued to report them, which negatively impacts my creditworthiness.

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 2025-07-25 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: TX

Complaint narrative:
I am filing this complaint against XXXX  for continuing to report inaccurate, incomplete, and unverifiable information regarding a derogatory account reported by XXXX XXXX account ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Despite XXXX formal written dispute letters I sent to XXXX  most recently on XX/XX/XXXX, with proof of XXXX delivery on XX/XX/XXXX XXXX  has failed to provide : 1. A valid description or evidence of their method of verification under 15 USC 1681i ( a ) ( 7 ) 2. A response showing maximum possible accuracy, violating 15 USC 1681e ( b ) 3. Removal of unverifiable information as required under 15 USC 1681i ( a ) ( 5 ) The XXXX  XXXX account ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which appears on my XXXX  credit file, exhibits the following inconsistencies across the XXXX credit bureaus : Conflicting dates opened, high credit, credit limits, balance, and payment history Lack of consistent remarks and dates of last payment Possible obsolete account reporting ( opened in XXXX, may exceed XXXX limit under 15 USC 1681c ) These discrepancies demonstrate a failure by both XXXX  and XXXX XXXX ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX *, ) to comply with FCRA 15 USC 1681i , 1681s-2 ( b ), 1681e ( b ), and associated case law ( e.g., XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX ) XXXX 

Additionally, XXXX investigation response was generic, claiming verified status without producing any supporting documentation, such as an original contract, statements, or account records. This lack of evidence violates consumer rights and deprives me of fair dispute resolution.

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 2025-07-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fidelity National Financial, Inc
State: CA

Complaint narrative:
In XX/XX/year>, a buyer approached about purchasing my home and an escrow account was opened to deposit earnest money. The company was Fidelity. We the buyer breached the contract and requests were made regarding the earnest money Fidelity sided with the buyer and provided substantial assistance to them. As a company that was meant to be neutral their actions benefitted the buyer who breached contract and actually signed a purchase agreement under fraudulent conditions. We alerted them this fact by they continued to deny request for information as well as follow their own contract. 
Requesting that the company be admonished for their actions and fines levied as appropriate. Individuals dealing with the company need to be aware of potential issues when dealing with escrow with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: NJ

Complaint narrative:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

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 2025-07-25 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: NJ

Complaint narrative:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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

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 2025-07-25 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: NY

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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 2025-07-25 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: EQUIFAX, INC.
State: CO

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with non-monetary relief