vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: IL

Complaint narrative:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: TX

Complaint narrative:
I never consented to the release of my medical information to this debt collector. Because the medical account contains private information, it should not be reported on this account because you are infringing on my privacy. This is a clear HIPAA violation due to its failure to comply with any aspect of HIPAA standards and provisions detailed in 45 CFR Parts 160, 162, and 164. I demand this account be deleted from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing this complaint because a charged-off account from XXXX XXXX has been reported inaccurately and inconsistently across all three credit bureaus since XXXX, despite my repeated disputes. 

This violates the Fair Credit Reporting Act ( FCRA ) especially Sections 607 ( b ) ( duty to report with maximum possible accuracy ) and 611 ( a ) ( failure to properly reinvestigate ). 

Here are the material, verifiable conflicts : XXXX. Creditor Name Conflict : TransUnion : XXXX XXXX Equifax : XXXX XXXX XXXX Experian : XXXX XXXX XXXX. Account Type Conflict : Experian : Unsecured TransUnion/Equifax : Installment loan 3. Charge-Off Status Conflict : Experian : Account charged off with {$4800.00} written offbut still lists full {$7300.00} as past due TransUnion & Equifax : Report full {$7300.00} as balance, with no write-off mentioned 4. Status Update Inconsistency : Experian : Status last updated XX/XX/XXXX, but balance updated XX/XX/XXXX TransUnion/Equifax : Status last updated XXXX XXXX XXXX. Creditor Address Conflict : TransUnion & Experian : XXXX XXXX XXXX XXXX, XXXX  Equifax : Address in XXXX XXXX, XXXX  6. Dispute Status Conflicts : Experian : Disputed, meets FCRA requirements Equifax : Reinvestigation in progress TransUnion : Disputed by consumer ( Credit Score Impact ) : Because of these unresolved inconsistencies, my credit scores differ drastically across bureaus : Experian : XXXX TransUnion : XXXX Equifax : XXXX This XXXX point spread is not due to other factors, but entirely driven by how this one XXXX account is being reported differently every month by each bureau. Lenders use different bureaus, so I am receiving inconsistent approvals, denials, and ratescausing material harm to my credit and financial opportunities. 



Furnisher Response : In XX/XX/XXXX, XXXX XXXX responded to my dispute with a statement saying they reviewed the information and are accurately reporting the account. This is completely insufficientthey failed to address the factual conflicts in name, type, balance, and dates across the bureaus. 

-You cant report {$4800.00} forgiven and claim {$7300.00} is still past due. This directly contributes to my big score gaps between bureaus. That implies they wrote off nearly {$5000.00}, but you still owe more than that total balance, which makes no mathematical or legal sense. 

Under FCRA and Metro 2 credit reporting standards : A charged-off account must either show the written-off amount ( what the creditor no longer expects to collect ), Or the remaining balance owed, But not both without clear reconciliation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: NC

Complaint narrative:
I am filing this complaint because a charged-off account from XXXX XXXX has been reported inaccurately and inconsistently across all three credit bureaus since XXXX, despite my repeated disputes. 

This violates the Fair Credit Reporting Act ( FCRA ) especially Sections 607 ( b ) ( duty to report with maximum possible accuracy ) and 611 ( a ) ( failure to properly reinvestigate ). 

Here are the material, verifiable conflicts : XXXX. Creditor Name Conflict : TransUnion : XXXX XXXX Equifax : XXXX XXXX XXXX Experian : XXXX XXXX XXXX. Account Type Conflict : Experian : Unsecured TransUnion/Equifax : Installment loan 3. Charge-Off Status Conflict : Experian : Account charged off with {$4800.00} written offbut still lists full {$7300.00} as past due TransUnion & Equifax : Report full {$7300.00} as balance, with no write-off mentioned 4. Status Update Inconsistency : Experian : Status last updated XX/XX/XXXX, but balance updated XX/XX/XXXX TransUnion/Equifax : Status last updated XXXX XXXX XXXX. Creditor Address Conflict : TransUnion & Experian : XXXX XXXX XXXX XXXX, XXXX  Equifax : Address in XXXX XXXX, XXXX  6. Dispute Status Conflicts : Experian : Disputed, meets FCRA requirements Equifax : Reinvestigation in progress TransUnion : Disputed by consumer ( Credit Score Impact ) : Because of these unresolved inconsistencies, my credit scores differ drastically across bureaus : Experian : XXXX TransUnion : XXXX Equifax : XXXX This XXXX point spread is not due to other factors, but entirely driven by how this one XXXX account is being reported differently every month by each bureau. Lenders use different bureaus, so I am receiving inconsistent approvals, denials, and ratescausing material harm to my credit and financial opportunities. 



Furnisher Response : In XX/XX/XXXX, XXXX XXXX responded to my dispute with a statement saying they reviewed the information and are accurately reporting the account. This is completely insufficientthey failed to address the factual conflicts in name, type, balance, and dates across the bureaus. 

-You cant report {$4800.00} forgiven and claim {$7300.00} is still past due. This directly contributes to my big score gaps between bureaus. That implies they wrote off nearly {$5000.00}, but you still owe more than that total balance, which makes no mathematical or legal sense. 

Under FCRA and Metro 2 credit reporting standards : A charged-off account must either show the written-off amount ( what the creditor no longer expects to collect ), Or the remaining balance owed, But not both without clear reconciliation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Several inquiries and fraudulent accounts on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Charge-Off and Request for XXXX Documentation To Whom It May Concern, I am writing to formally dispute a charge-off listed on my credit report by your institution. According to the Fair Credit Reporting Act ( FCRA ), I have the right to request verification and validation of any debt being reported. 
Upon reviewing my records, I noticed that this account ( Account Number : [ Insert Account Number ] ) has been marked as a charge-off. However, I never received a 1099-C ( Cancellation of Debt ) form regarding this account, which is typically issued by the creditor when a debt of {$600.00} or more is discharged. 
If this debt was indeed canceled or forgiven, I should have received a XXXX form for tax reporting purposes. Since I did not receive this form, I am requesting that you : 1. Provide a copy of the original 1099-C form sent to me, including the date it was mailed and the address it was sent to, OR 2. Confirm in writing that the debt has not been canceled and a 1099-C was never issued.

Suppose you can not provide evidence that a 1099-C was sent or the debt was canceled. In that case, I respectfully request that this charge-off be removed from my credit report with all major credit bureaus, as it would be inaccurate and unverifiable reporting. 
Please respond to this request in writing within 30 days, as the FCRA requires. I appreciate your attention to this matter and look forward to resolving it promptly. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
On XX/XX/year>, I sent certified letters to the company regarding inaccurate information on my credit report that does not belong to me and appears to belong to someone else. The letters were received, but I did not receive any proper investigation updates or supporting documentation. Instead, the only response was a change on my credit report, with no explanation or verification. This does not meet the requirements for a reasonable investigation under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
On XX/XX/year>, I sent certified letters to the company regarding inaccurate information on my credit report that does not belong to me and appears to belong to someone else. The letters were received, but I did not receive any proper investigation updates or supporting documentation. Instead, the only response was a change on my credit report, with no explanation or verification. This does not meet the requirements for a reasonable investigation under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX Subject : Dispute of Charge-Off on Credit Report Account Number : XXXX To Whom It May Concern, I am writing to formally dispute inaccurate and incomplete information regarding a charged-off account that appears on my credit report. The account in question is listed under XXXX XXXX with an account number of XXXX. 
I do not agree with the reporting of this account as a charge-off for the following reasons : 1. I dispute the amount being reported as inaccurate and inconsistent with my records.

2. The accounts charge-off date appears to be incorrect.

3. I have not received adequate documentation from the original creditor verifying the balance and the events leading to the charge-off.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe is incorrect or incomplete. Therefore, I am requesting a full investigation and : A copy of the original contract or agreement bearing my signature ; A detailed accounting or billing history that shows how the charge-off balance was calculated ; Verification of the charge-off date and delinquency timeline ; Proof that the creditor complied with all legal obligations prior to reporting this charge-off.

If the information can not be verified, I respectfully request that this charge-off listing be corrected or deleted entirely from my credit file.

Please conduct your investigation within the 30 days required by the FCRA and send me the results in writing. 
Sincerely, 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 2025-05-07 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX Subject : Dispute of Charge-Off on Credit Report Account Number : XXXX To Whom It May Concern, I am writing to formally dispute inaccurate and incomplete information regarding a charged-off account that appears on my credit report. The account in question is listed under XXXX XXXX with an account number of XXXX. 
I do not agree with the reporting of this account as a charge-off for the following reasons : 1. I dispute the amount being reported as inaccurate and inconsistent with my records.

2. The accounts charge-off date appears to be incorrect.

3. I have not received adequate documentation from the original creditor verifying the balance and the events leading to the charge-off.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe is incorrect or incomplete. Therefore, I am requesting a full investigation and : A copy of the original contract or agreement bearing my signature ; A detailed accounting or billing history that shows how the charge-off balance was calculated ; Verification of the charge-off date and delinquency timeline ; Proof that the creditor complied with all legal obligations prior to reporting this charge-off.

If the information can not be verified, I respectfully request that this charge-off listing be corrected or deleted entirely from my credit file.

Please conduct your investigation within the 30 days required by the FCRA and send me the results in writing. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: ROBINHOOD MARKETS INC.
State: MI

Complaint narrative:
This is the follow up from the previous complaint made. The number is XXXX. As of XX/XX/XXXX, customer service has shown once again to be unhelpful and not transparent about the reason of the account closure and because they can not provide me a valid reason I strongly believe I was wronged and Robinhood decided to take out any bonus funds that were promised since this occurred shortly after an XXXX transfer. Robinhood has not shown any proof of trying to work with the client to resolve the issue. They have only provided generic responses that will lead me to believe they are using a bot to handle their complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: IL

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 non-monetary relief
Consumer complaint received 2025-05-07 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: IL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: GA

Complaint narrative:
Subject : Formal Dispute Request Under FCRA Deletion of Inaccurate Information I am writing to formally dispute and request the deletion of several inaccurate and unverifiable items appearing on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), 1681s-2, and 1681i ( 5 ).

Disputed Items Personal Information Item Code Type Detail Dispute Reason XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX UT XXXX This address does not belong to me. Request removal for inaccuracy. 

Disputed Accounts Item Code Creditor Name Account Number Balance Open Date Date Last Active Dispute Reason XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$8800.00} XX/XX/XXXX XX/XX/XXXX Open date and last active date do not reflect maximum accuracy as required under 15 USC 1681e ( b ). Delete immediately under 1681i ( 5 ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$11000.00} XX/XX/XXXX XX/XX/XXXX Pay status is inaccurate, and remarks PLACED FOR COLLECTION are not verified. Delete for violation of 15 USC 1681e ( b ).

Disputed Inquiries Item Code Creditor Name Inquiry Date Permissible Purpose Dispute Reason XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Unknown This inquiry lacks permissible purpose per 15 USC 1681b . Please delete immediately. 
XXXX XXXX XXXX XXXXXX/XX/XXXX Unknown No authorization provided. Remove this item per FCRA. 
XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX Unknown No permissible purpose confirmed. Delete per 1681b.

Please complete your reinvestigation within 30 days per 15 USC 1681i and send me written confirmation of deletion. If you determine the items are valid, provide documentation used in your verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Subject : Dispute of Inaccurate Late Payment Reporting Account Number : XXXX To Whom It May Concern, I am writing to formally dispute the late payment ( s ) reported on my credit report for the above-referenced account. According to my records, the payment ( s ) reported as late on [ insert specific date ( s ) ] were either made on time or are otherwise inaccurately reported.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information I believe to be inaccurate, and I request a prompt investigation into this matter. Please provide : 1. Verification and documentation showing when the payment ( s ) were received ; 2. The date the creditor claims the payment ( s ) became delinquent ; 3. A copy of the payment history or billing statement showing the reported delinquency. 
If the information can not be verified or is inaccurate, I respectfully request that the late payment entry be removed or corrected in my credit file. 
I would appreciate your response in writing within the 30 days as required by the FCRA. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation