vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, This correspondence is a formal legal demand concerning the unlawful reporting of a charged-off account that continues to reflect an active balance on my credit report in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and relevant federal case law Legal Argument and Demand for Immediate Correction Upon my detailed review, I have identified that the subject creditor is reporting a charged-off account while simultaneously maintaining and updating an active balance. This reporting practice is legally impermissible and materially misleading, constituting willful or negligent noncompliance with FCRA obligations. A charge-off is a declaration by the original creditor that the debt is uncollectible and has been written off as a loss. Once a debt is charged off, the creditor relinquishes the right to continue reporting the obligation as an open, active, or collectible balance. The continued reporting of a balance on a charged-off debt misrepresents the legal status of the account and causes direct harm to the consumer 's creditworthiness. 
FCRA Violations Cited : 1. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) - Furnishers of information must report complete and accurate data. 
2. 15 U.S.C. 1681e ( b ) - Credit reporting agencies must " follow reasonable procedures to assure maximum possible accuracy. '' 3. 15 U.S.C. 1681i ( a ) - Upon notification of a dispute, CRAs must reinvestigate and correct inaccurate, incomplete, or unverifiable information. 
Supporting Case Law : - XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXXXXXX. XXXX ) - XXXX v. 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 XXXXXX/XX/XXXX ) Requested Relief : I hereby demand the immediate removal or correction of any active balance associated with the charged-off account ( s ) in question. Further, if your investigation determined that the information was verified, I request : 1. The exact method of verification used. 
2. Copies of all original documentation used to substantiate the charge-off and continued balance reporting.

3. Proof of a 1099-C issued, bill of sale, and chain of custody to show ownership and validation of debt.

4. The name and address of the data furnisher who verified the balance and its legal status

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
CFPB Complaint - Key Points Original Purchase from XXXX XXXX, XXXX  Purchase Date : XX/XX/year> Total Amount : {$480.00} ( paid via Capital One credit card ) Items Purchased : XXXX XXXX ( {$83.00} ) - I kept this XXXX vase ( {$140.00} ) - returned, tracking number XXXX XXXX XXXX  pillows ( {$210.00} ) - returned, tracking number XXXX Returns and Issues XXXX Vase Return ( XXXX XXXX # XXXX ) Item Value : {$140.00} Return Status : Successfully processed - received credit on XX/XX/year> XXXX Pillows Return ( XXXX XXXX # XXXX ) - UNRESOLVED Item Value : {$210.00} Tracking Number : XXXX ( XXXX # XXXX ) Delivery Confirmed : XX/XX/year> at XXXX XXXX  to XXXX, CA Status : XXXX received items but has NOT issued credit Evidence : XXXX  delivery confirmation and XXXX 's own packing slip showing items received Financial Impact Time spent on phone and submitting receipts - 3-5 hours Outstanding credit owed : {$210.00} for returned XXXX pillows Supporting Documentation Original XXXX order confirmation and receipt Capital One credit card statements showing transactions XXXX  tracking and delivery confirmation ( XXXX with XXXX # XXXX ) XXXX packing slip confirming receipt of returned items Evidence of {$140.00} credit processed for XXXX vase return Complaint Summary XXXX has failed to process a credit for returned merchandise ( XXXX  pillows worth {$210.00} ) despite confirmed delivery and their own documentation showing receipt of the items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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:
Per law 15 USC 1681C-2 code block and delete these unauthorized Inquiries on my Tranunion report in 4 Days.

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 2025-07-24 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: CA

Complaint narrative:
Per law 15 USC 1681C-2 code block and delete these unauthorized Inquiries on my XXXX report in 4 Days.

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 2025-07-24 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:
Per law 15 USC 1681C-2 code block and delete these unauthorized Inquiries on my XXXX report in 4 Days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: NJ

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$120.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$520.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$82.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$730.00} XXXX  XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7000.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7500.00}

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 2025-07-24 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: FL

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 TX XXXX ACCOUNTS : XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$250.00} 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 : {$450.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7100.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$600.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX 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 2025-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-07-24 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. CXXXXe XXXXe ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. CXXXXe XXXXe ) for deceptive and misleading reporting.

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 2025-07-24 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: IL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/2024, Balance : {$590.00}

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 non-monetary relief
Consumer complaint received 2025-07-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Transunion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Credit Report Entry Under FCRA Dear Transunion, I am writing to formally dispute an inaccurate entry on my credit report, as permitted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I obtained a copy of my credit report from [ Credit Reporting Agency ] on [ Date you obtained the report ], and I noticed the following incorrect information : Account Name/Number : XXXX XXXX XXXX 
Inaccurate Information : The description and amount is inaccurate. 
My Explanation : This information is needs to be changed because it is fraudulent information. 

Under the FCRA, I request that you investigate this matter and correct or delete the inaccurate information within the required timeframe. I have attached copies of relevant documents supporting my claim. 

Please send me written confirmation of the results of your investigation, as well as a corrected copy of my credit report. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX I was trying to get a house and a new car for myself and my children. When I pulled my credit report I seen all of this stuff was on my report. All of this stuff is outdated and wrong. 
According to the FAIR CREDIT ACT 15 U.S.C 1681 this stuff shouldnt be reporting on my report. 

Here is a list of stuff I dont recognize at all 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 2025-07-24 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: FL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Transunion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Credit Report Entry Under FCRA Dear Transunion, I am writing to formally dispute an inaccurate entry on my credit report, as permitted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I obtained a copy of my credit report from [ Credit Reporting Agency ] on [ Date you obtained the report ], and I noticed the following incorrect information : Account Name/Number : XXXX XXXX XXXX 
Inaccurate Information : The description and amount is inaccurate. 
My Explanation : This information is needs to be changed because it is fraudulent information. 

Under the FCRA, I request that you investigate this matter and correct or delete the inaccurate information within the required timeframe. I have attached copies of relevant documents supporting my claim. 

Please send me written confirmation of the results of your investigation, as well as a corrected copy of my credit report. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX I was trying to get a house and a new car for myself and my children. When I pulled my credit report I seen all of this stuff was on my report. All of this stuff is outdated and wrong. 
According to the FAIR CREDIT ACT 15 U.S.C 1681 this stuff shouldnt be reporting on my report. 

Here is a list of stuff I dont recognize at all 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: VA

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 2025-07-24 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported to be removed/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. 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!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I am filing a complaint regarding inaccurate 60-day late payments reporting by Comenity Bank on my credit reports with XXXX, XXXX, and XXXX. 

All three credit bureaus are reporting that I was 60 days late for XXXX, XXXX, and XX/XX/year>, which is completely incorrect. The minimum monthly payment was {$55.00}, due on the XXXX of each month, and I paid the full minimum amount on time each month. I have reviewed both my Comenity account statements and bank payment confirmations, which clearly show these payments were made before the due dates. 

Additionally, XXXX  is showing a late payment for XX/XX/year>, even though XXXX  and XXXX are not, indicating a clear inconsistency between the bureaus. 

I have already disputed these inaccuracies directly with all three credit bureaus, but the issue remains unresolved. This inaccurate negative information is unfairly lowering my credit score and does not reflect my actual payment history.

Company response to consumer: Closed with non-monetary relief