vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 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:
Re : Formal Dispute of Inaccurate Tradelines Disputed Accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number masking differs from XXXX  ; can not identify account properly. 
XXXX XXXX XXXX XXXX XXXX inconsistent. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Closed due to inactivity. XXXX reports Canceled by grantor. 
o Contradiction violates FCRA 607 ( b ). 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EX shows months coded RP ( repossession ), XXXX omits them. At least one bureau is inaccurate. 
XXXX XXXX XXXX XXXX XXXX ( Payment History Profile ) breach. 
XXXX. XXXX / Dept. of Education XXXX o Some reported as Open / Deferred, others as Transferred / Closed. 
o Inconsistent and misleading. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX o Status differs ( Closed / Current vs. Paid ). 
Inquiries Duplicates : Factual Data ( multiple ), Certified Credit Report, XXXX XXXX XXXX, XXXX XXXX XXXX, etc. 
Remove all inquiries lacking permissible purpose under 604. 
Late Payment Dispute All months coded late, repo, or transferred are disputed. Require ledger proof.

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 2025-09-22 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
I tired to call a week ago to cancel my card. They transferred me 5 times and after I finally got to a manager, He put me on hold for XXXX hours and I finally hung up. They were unwilling to cancel my card. Today I called again. They went through a spell saying they could not confirm what my account number was and wanted to close without knowledge oi it only by name. I confirmed cancellation hopefully it will be the right one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Absolute Resolutions Corp.
State: MI

Complaint narrative:
I submitted a timely Validation of Debt request to Absolute Resolutions Corporation regarding Account Number : XXXX XXXX XXXX XXXX XXXX  for the alleged balance of {$37000.00} under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In that request, I specifically asked for proof of ownership of the alleged debt, a valid purchase agreement for the XXXX  containing my account, a complete and unbroken chain of title from the original creditor to the debt collector, and a copy of their state bond or license required to collect in my state. Despite this request, Absolute Resolutions Corporation failed to provide any of these critical documents. They continue to report negative information to the credit bureaus and attempt to collect on a debt they can not legally prove they own or are authorized to collect. By furnishing derogatory credit information without proof of ownership or proper documentation, they are in violation of 15 U.S.C. 1692e of the FDCPA and may also be violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for reporting unverifiable or inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: OH

Complaint narrative:
XX/XX/XXXX These items reporting on my credit report is also past the 7 year statue of reporting and thus needs to be removed. 

None of the illegal accounts/INQUIRIES below is tied to any of my addresses, they were all illegally opened. By FTC and FCRA these ACCOUNTS MUST BE REMOVED WITHIN 30 DAYS OF RECEIPT OF NOTICE Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, Experian XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and Experian report. 


Remove all negative fraudulent items not associated with me! 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$730.00} XXXX Date Opened XX/XX/XXXX Balance XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX balance {$0.00}

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 2025-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Capital Services, LLC
State: TN

Complaint narrative:
On XX/XX/year> I contacted " Structured Settlement '' to resolve a debt that had been collected by them. We mutually agreed to Settle the debt for less than the initial amount in the total of {$1700.00}. As of XX/XX/year> the XXXX is still on my credit report as an open balance, with no resolution. I contacted them multiple times on XX/XX/year> in an attempt to resolve the issue, and was presented with hostility, and was told there is nothing they can do to remove, or mark it as settled. They stated when someone settles for less they simply no longer contact that person, and do nothing. ( Which is not what I was told by them initially. ) The " XXXX '' recommended I seek " representation '' if I needed further assistance.

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 2025-09-22 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
This letter serves as a formal dispute regarding an unauthorized hard inquiry on my credit report. At no time did I authorize, initiate, or consent to this inquiry, and its inclusion misrepresents my credit activity.

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 2025-09-22 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 Sectio

n 605B of the Fair Credit Reporting Act. The specific information I am disputing is as follows : FRAU
DULENT 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

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 2025-09-22 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: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: CT

Complaint narrative:
This letter serves as a formal dispute regarding the inaccurately reported late payment on my credit file. My verified records confirm consistent on-time payments, making this entry a clear mistake. Its continued reporting is misleading and harmful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: NY

Complaint narrative:
Experian File Date : XX/XX/year> | FICO XXXX shown : XXXX Items Disputed ( Experian report ) XXXX. XXXX & XXXX XXXX XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX  o Quoted entries : Payment Status : Paid, was past due 30 days XXXX or XXXX times, while the extended payment history grid shows all OK. 
o Defect : Internal contradiction ; late claims without month-level evidence. 
o Law : FCRA 607 ( b ) ; 611 ( a ) ( 1 ) ( A ) & ( a ) ( 5 ) ( A ) ; XXXX XXXX for independent verification. 
XXXX XXXX XXXX : Field XXXX ( XXXX XXXX ) and historical status codes must align ; if no month-level late codes exist, the late narrative must be removed. 
o XXXX : Delete all late notations or the entire tradeline if the furnisher can not produce running statements/ledgers proving each alleged late by month. 
XXXX. XXXX XXXX XXXX Credit Card Open XXXX XXXX XXXX XXXX XXXX XXXX o Comments : CONSUMER STATEMENT ITEM IN DISPUTE BY CONSUMER while other bureaus report conflicting dispute states ( resolved vs. reinvestigation ). 
o Defect : Dispute status not harmonized ; Experian must confirm whether the furnisher has an active XB code and whether the dispute is pending or resolved. 
XXXX XXXX XXXX : CCC code must reflect the furnishers current dispute status. 
o XXXX : Correct to the accurate CCC or delete if unverifiable. 
XXXX Balance Mismatches ( same reporting period ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2900.00} vs XXXX {$3600.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$800.00} vs XXXX {$1100.00}. 
o Defect : Material discrepancies indicate at least some bureau ( XXXX ) carry inaccurate figures. 
o Law : FCRA 607 ( b ) ; 611 deletion if unverifiable. 
XXXX XXXX XXXX : Field XXXX ( XXXX XXXX ) must reflect the furnishers actual figure for the Last Reported date. 
o XXXX : Obtain furnisher statements for the Last Reported dates ; correct or delete. 
XXXX. Personal-Information Errors ( heightened fraud risk & mixed-file potential ) : o AKA : XXXX XXXX ( spelling variant ). 
o Prior Address : XXXX XXXX XXXX and XXXX, NY ( spelled incorrectly ). 
o Defect : Inaccurate identifiers increase risk of mixed data. 
o Law : FCRA 607 ( b ) ( accuracy in file contents ). 
o Relief : Delete the XXXX  and misspelled addresses unless Experian can document legitimate usage linked to me ( signed application/creditor records ). 
Late-Month Dispute Notice ( All EX tradelines ) : I dispute any and all months Experian shows or claims to show as XXXX, specifically including any months implied by the XXXX & XXXX narrative. Provide month-by-month ledgers ( due date receipt posting ). Codes are not proof.

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 2025-09-22 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: TX

Complaint narrative:
I am disputing multiple hard inquiries on my credit reports that I did not authorize. None of these inquiries were initiated by me, and I never applied for credit with any of these companies. 

Experian Hard Inquiries : XXXX. XXXX Inquired XX/XX/XXXX, on record until XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX Inquired XX/XX/XXXX, on record until XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Inquired XX/XX/XXXX, on record until XX/XX/XXXX XXXX. XXXX XXXX Inquired XX/XX/XXXX, on record until XX/XX/XXXX XXXX. XXXX XXXX XXXX  Inquired XX/XX/XXXX, on record until XX/XX/XXXX TransUnion Hard Inquiries : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX I request that all unauthorized hard inquiries listed above be investigated and removed from my credit reports. I also request updated copies of my reports reflecting these corrections and written confirmation that the inquiries were removed.

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 2025-09-22 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: LA

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-09-22 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 reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
I want to emphasize the severity of the situation caused by the account restrictions that were placed in the morning of XX/XX/year>. The original email I received did not mention that my XXXX XXXX XXXXwhich functions as my primary and only checking accountwould be impacted to the extent that my debit card would be XXXX. This lack of clarity has left me completely unable to access my funds. 

As a result, I am currently unable to purchase food, pay rent, utilities, or credit card bills, and I have no alternative financial resources. I explained this to the Robinhood phone support team, but my concerns were not escalated, and the call was abruptly ended when the agent hung up on me despite the urgency of my situation. 

I respectfully requested that this matter be escalated immediately to a supervisor or appropriate department. I did not ask for privileged accessonly for the ability to access my own funds to meet basic living needs while the review is ongoing. 

I have yet to receive any kind of response or acknowledgement from Robinhood.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: IL

Complaint narrative:
Consumer : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, IL XXXX Companies Complained About : Experian Information Solutions , Inc . 
TransUnion, LLC XXXX  XXXX XXXX, XXXX Accounts in Dispute : XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX ( XXXX ) Complaint Summary The credit reporting agencies are furnishing inaccurate and unverifiable information by continuing to report both XXXX XXXX XXXX and XXXX XXXX XXXX for the same debt. These tradelines are legally unenforceable, and the CRAs are in violation of their duties under the FCRA. 



Key Violations XXXX. XXXX XXXX XXXX XXXX sold the account on XX/XX/XXXX to XXXX XXXX. 
XXXX has no ownership rights but continues reporting balances ( {$15000.00} on Experian vs {$15000.00} on TransUnion/XXXX ) XXXX 
This is furnishing inaccurate information under FCRA 623 ( a ) ( 1 ) ( A ). 
At most, XXXX can report a historical tradeline with {$0.00} balance/ closed/ sold, not an active charge-off balance. 

XXXX. XXXX XXXX XXXX I sent a debt validation demand on XX/XX/XXXX. 
XXXX never validated but continued reporting, violating FDCPA 1692g ( b ) and FCRA 623 ( b ). 
In its CFPB response, XXXX admitted it has terminated collection efforts and will request deletion. 
XXXX was not licensed in Illinois until XX/XX/XXXX. Any reporting or collection prior to that date was unlawful under the Illinois Collection Agency Act ( 225 ILCS 425 ). 

XXXX. Double Reporting / Inconsistent Balances The same debt is being reported twice : once by XXXX ( charge-off ) and again by XXXX ( collection ). 
XXXX reports two different balances across Experian and TransUnion. 
This creates false and misleading data in violation of FCRA 623 ( a ) ( 1 ) ( A ) and FCRA 607 ( b ) ( CRA duty to assure maximum possible accuracy ). 

4. CRA Violations Under FCRA 611 ( a ) ( 1 ) ( A ), CRAs must delete unverifiable information after a dispute. 
XXXX admitted termination and deletion, XXXX admitted sale, yet the CRAs continue reporting both. 
Under FCRA XXXX ( a ) ( XXXX ) ( A ), unverifiable accounts must be deleted within 30 days. 
By verifying and continuing to report, the CRAs are knowingly furnishing inaccurate and unlawful information. 



Harm to Consumer My credit score and reputation have been damaged by double reporting and inaccurate balances. 
I am being penalized twice for a single debt. 
The CRAs refusal to delete after clear evidence of invalid reporting has caused financial harm.

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 2025-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
In late XXXX, I noticed my account was overdrawn for the first time since signing the overdraft document with Navy federal. XXXXXX/XX/year> I noticedmy accountwas overdrawn by {$11.00}. I took a screen shot before it disappeared and made a note to call Navy Federal. Today, XX/XX/XXXX around XXXX I noticed my account was overdrawn again. I then called Navy Federal for an explanation as I made sure the money was available before swiping my debit card. They informed me that it could be that the funds weren't available or that the merchant waiting before withdrawing their funds. I informed the representative that I could not find where either of those scenarios took place and asked if they would verified. They informed me that they couldn't verify and that I need to keep hand written log of my transactions to avoid this in the future. I asked to file a complaint on the representative and she said they didn't have a complaint department and that she would just make a note on my request for a supervisor. I tried doing a quick search on the Navy Federal app while the representative was still on the phone. However, she disconnected the call before I could tell her my findings.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
This is a formal dispute regarding fraudulent accounts appearing under my name. I have no connection to these accounts, and their reporting is inaccurate and harmful. Their inclusion misrepresents my credit history and undermines my financial credibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: CT

Complaint narrative:
I am writing to formally dispute inaccuracies in your reporting of my account information. Your failure to properly record payments, correct calculation errors, and provide the legally required 21-day payment notice violates the Truth in Lending Act ( 15 U.S. Code 1666 ( b ) ).

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