vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 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: SC

Complaint narrative:
I am filing this complaint because [ Experian / Equifax XXXX TransUnion ] has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within XXXX  days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is unlawfulSessa v. TransUnion, LLC ( 2d Cir. 2023 ) confirmed all objectively verifiable inaccuracies must be corrected ; XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) held no entity is immune from FCRA liability ; and XXXX XXXX TransUnion, LLC ( XXXX. XXXX XXXX ) resulted in a {$23.00} XXXX settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : CHARGE OFF - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-10-30 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: NM

Complaint narrative:
I purchased XXXX items online via the XXXX XXXXXXXX XXXX XX/XX/2025. After initially attempting to stop the transaction on XX/XX/2025 I was told by Capital One that I would have to pay for the items. On XX/XX/2025 I reached out to XXXX XXXX XXXX to pick up the XXXX items and have them delivered to me. I informed the rep at XXXX XXXX XXXX that I was having trouble getting a name of someone at XXXX XXXX XXXX for the driver to speak with at time of pickup. The calls went to a voice mail box that was full and emails were going unanswered. on XX/XX/2025 the rep at XXXX XXXX XXXX calls me and tells me she sent an email to XXXX XXXX House when she couldn't reach them by phone either. The rep at XXXX XXXX XXXX calls me and tells me she received a phone call from XXXX XXXX XXXX. The rep at XXXX XXXX XXXX sent me an email with the name and cellphone number of the person she spoke with and that would be the same person the driver should contact when arriving to pick up the XXXX items. I was told by The rep at XXXX XXXX XXXX that the driver attempted to pick up the items XX/XX/XXXX, XXXX and XXXX, XXXX  and that at each attempt the XXXX XXXX House was closed and that the driver asked the surrounding business about XXXX XXXX House and was informed they were almost never open. After the third attempt XXXX XXXX XXXX canceled by deliver order. I haven't been able to reach XXXX XXXX House. I called the cellphone number provided and got a recored message about winning a prize.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing a complaint against my loan servicer, XXXX, for inaccurately reporting multiple late payments on my credit report. 

I was repeatedly told by loan officers at XXXX that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. 

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with XXXX, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I lost my password after losing a phone and I can not recover it. I just want to recover my password so I can sign back into my account. I am getting terrible customer service and a circular conversation that always leads to being hung up on. Both from humans and the robot when verifying the info ... which is correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have sent through experian a Notarized letter from an EX that eh used my information with out my permission to open the account. they are not providing me any documentation regarding this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: ND

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: CA

Complaint narrative:
I am disputing the accuracy of a charge-off account being reported by XXXX XXXX XXXX XXXXXXXX on my credit report. The account shows as charged off with a {$530.00} balance, written off as of XX/XX/XXXX, and reported as past due as of XX/XX/XXXX. 

The reported information appears inconsistent and may be inaccurate under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. The charge-off date and the continued updates suggesting a current past-due balance are conflicting. If this account was charged off and written off in XX/XX/XXXX, the balance should not continue to update or appear as currently past due. 

I contacted the credit bureaus and the furnisher to request documentation verifying the balance, ownership, and date of first delinquency but did not receive proper verification. Without such documentation, this continued reporting may be incomplete or inaccurate. 

I am requesting a full investigation into this account and written verification of : The date of first delinquency and charge-off, Whether XXXX XXXX XXXX still owns or services this debt, The reason the balance is still reported as past due, and Confirmation that the reporting complies with the FCRA. 

If the furnisher can not verify the accuracy and ownership of the information being reported, I request that this charge-off entry be deleted from my credit file. 

Summary of actions taken : Disputed with Experian, Equifax, and TransUnion on or around XX/XX/XXXX. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX for validation No adequate verification or supporting documents received Thank you for forwarding this complaint to the company involved for investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Charged Off Accounts : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$880.00} Dispute Reason : I dispute the balance on this charged-off account, as it does not match my records. Please verify the accuracy of this balance and provide documentation supporting the charge-off. If the balance is found to be incorrect, I request that this information be corrected or removed from my credit report. 

XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$3100.00} Dispute Reason : This account was charged off incorrectly, and the balance is reported inaccurately. I request a thorough investigation into the details of this account. If the charge-off is not substantiated, I request that it be removed from my credit report. 

Inquiries : XXXX XXXX Date : XX/XX/XXXX Dispute Reason : I did not authorize this inquiry, and I believe it was made in error. Please remove this inquiry from my credit report if it was not initiated by me. 

Positive Accounts : No positive accounts to dispute. 

Late Payments : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Dispute Reason : I dispute the late payment report for this account. The payment history does not accurately reflect my actions. If this late payment is not verified with supporting documentation, I request it be corrected or removed from my report. 

XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Dispute Reason : I dispute the reported late payment for this account. I do not recall making a late payment on this account, and I request an investigation into the accuracy of this item. 

XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Dispute Reason : Similar to the previous entry, I believe the late payment report for this account is incorrect. Please verify the payment history and remove any inaccuracies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: NJ

Complaint narrative:
I am submitting this complaint against EXPERIAN for their failure to correct inaccurate information on my credit report, despite multiple disputes and the submission of all necessary documentation. The erroneous data remains on my credit file, causing significant financial harm and emotional distress. Upon reviewing my credit report, I noticed an incorrect late payment recorded on my 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 ). To clarify, I have never been late on these accounts. I am requesting that the status of these accounts be corrected to " Paid as Agreed '' or " OK, '' rather than deleted. I urge EXPERIAN to make the necessary corrections and ensure that accurate, up-to-date reports are issued moving forward, without outdated or incorrect information. Because, it is really unacceptable that EXPERIAN continues to report this inaccurate information, which violates the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and the Fair Credit Billing Act ( 15 U.S.C. 1666b ). While I have attempted to file an FTC Identity Theft report to support my case, the FTC website is currently down, preventing me from proceeding further.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: TN

Complaint narrative:
As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. XXXX XXXX XXXX XXXXu. XXXX XXXX XXXX. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: GA

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 non-monetary relief
Consumer complaint received 2025-10-30 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: MD

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patient Accounting Service Center
State: FL

Complaint narrative:
I have received a letter in the mail post marked for XX/XX/XXXX stating I owe a medical debt of {$170.00} that I paid in XX/XX/XXXX. Specifically XXXXXXXX XXXX XXXX collecting the debt I supposedly owe to a company called XXXX XXXX. My payment went through went through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was the company they used for the XXXX XXXX XXXX. I received an email for my bill on XX/XX/XXXX with an automatic charge of {$170.00}. The payment was unsuccessful due to the card being lost and having to freeze the card. I updated the card on file and remade the payment on XX/XX/XXXX of {$170.00} which was paid at XXXX. I am reaching out to XXXX because I never received a letter from them in the mail stating I owed anything, but now I have something from a debt collector that has never reached out to me during those 7 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: CA

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following inquiries are not authorized. Please remove it from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: GA

Complaint narrative:
This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

Company response to consumer: Closed with non-monetary relief