vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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:
I am writing to formally dispute inaccurate and derogatory information reported on my Equifax credit file. The items in question are as follows : 1. Account Information : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} 2. Hard Inquiry : Company : XXXX  XXXX Date : XX/XX/XXXX This account and inquiry have been previously challenged and remain on my report without correction or proper verification. I believe both items are either inaccurate, unverifiable, or unauthorized and I request immediate reinvestigation and removal if they can not be validated according to the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against Capital One for damaging my credit score and failing to uphold their representations regarding my account.

Capital One reported four late payments on my credit report, which I strongly dispute. I had proactively contacted Capital One to set up a payment plan to avoid delinquency, and was assured that these arrangements would prevent negative reporting. Despite following through with the payment plan, the late payments were still reported, which caused my credit score to drop by XXXX points. 

After noticing this, I made multiple goodwill adjustment requests to Capital Ones customer service and correspondence departments. During one of these communications, I was informed that they would remove the negative history from my credit report. However, to date, Capital One has failed to follow through on this promise, and the derogatory marks remain.

This conduct is not only misleading and damaging to my financial reputation, but it may also violate the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate or misleading information, and failing to correct it after being notified. Their contradictory actions and lack of follow-through have caused unnecessary harm to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 non-monetary relief
Consumer complaint received 2025-06-19 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the 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 explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I am submitting this complaint against LVNV Funding LLC, a debt collection agency that has reported a collection account to my credit report without properly verifying or validating the alleged debt as required by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). 

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I submitted a written dispute and a request for debt validation to LVNV Funding LLC upon discovering the account XXXX on my credit report. I requested full validation, including : The name and address of the original creditor A copy of the original contract or agreement bearing my signature A complete payment history or itemization of the debt Proof of LVNV Funding 's legal right to collect on the alleged debt To date, I have not received any sufficient documentation from LVNV Funding to validate or verify the alleged debt. Despite this, the company continues to report the account to the credit bureaus, which constitutes a violation of the FDCPA and possibly the Fair Credit Reporting Act ( FCRA ). 

This is damaging my credit, and I believe it is being done unlawfully. I am requesting the CFPB to investigate LVNV Funding LLC for the following reasons : Failure to respond to a debt validation request within the required time Continued collection activity without proper validation Reporting to credit bureaus without verifying the legitimacy of the debt I am requesting the removal of this account from my credit reports and a formal response from LVNV Funding LLC regarding their failure to comply with federal law.

Attachments : A copy of the validation request sent to LVNV Any proof of delivery Screenshot or copy of the credit report showing the account Any correspondence received from LVNV Funding Thank you for your assistance in resolving this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: NY

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: TX

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-06-19 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: FL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-19 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: NJ

Complaint narrative:
We were in XXXX XXXX on vacation XX/XX/XXXXXXXX  visiting the XXXX XXXX and my wife who is XXXX XXXX XXXX was using my credit card to purchase Candy - she was charged in liras and was not aware of the amount in XXXX  dollars- XXXX XXXX which is {$1500.00}. When we went back to our Hotel room- I always check Credit charges for the day. Immediately saw the charge for Candy in XXXX  Dollars for {$1500.00} and called on XX/XX/XXXX Capital One Rep. The Rep used the term that it was a dip & switch fraud schem.Later on we went Online & got comparable Candy pricing in grams for {$250.00}. Initially Capital One Credit us the difference $ XXXX We have recently been charged back {$1200.00} Capital One has said we have to go back to the Merchant in XXXX XXXX get the our money back! Once our money is released to XXXX XXXX, it will be very difficult recovery! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Letter sent by Email to Capital One l XX/XX/XXXX Case # XXXX Document supporting fraud from buying Merchandise in the XXXX XXXX We reported a fraudulent transaction from XXXX XXXX XXXX XXXX XXXX ( identified as For You on our charge dated XX/XX/XXXX ). Upon reviewing our pending charge on XX/XX/XXXX, we immediately notified Capital One of a Fraudulent Transaction for the pricing of the merchandise that we purchased. 
We did a price comparison on similar items at the XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX as well as the online pricing of the XXXX XXXX XXXX For You. 
The charges were based on items purchased in grams. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX cost XXXX XXXX  ( XXXX } we purchased XXXX grams XXXX XXXX  or {$74.00} Cashews at the Airport cost XXXX ( XXXX )- we purchased XXXX grams = XXXX Euros or {$77.00} Green XXXX XXXX  XXXX  {$45.00} ( XXXX ) - we purchased XXXX grams = {$63.00} Sesame XXXX XXXX XXXX {$6.00} ( XXXX ) - we purchased XXXX grams = {$37.00} Saffron XXXX XXXX {$10.00} ( XXXX grams )- we purchased XXXX grams = {$5.00} XXXX  XXXX  {$74.00} + Cashews {$77.00} XXXX XXXX XXXX XXXX {$63.00} + Sesame Honey Peanuts {$37.00} + Saffron Tea {$5.00} = {$250.00} The above purchase can be verified by our traveling companions- * Included are attached photos with weight in grams of the 5 purchased merchandise. Plus, the bag that was given to us to carry the 5 items- please note on the bag- information with the name where the Merchandise was bought.Originally spoke to the Capital One Repreprsentative on XX/XX/XXXX from XXXX XXXX XXXX XXXX Capital One Representative referred to this transaction by the merchant as XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-19 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-19 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the 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 explanation
Consumer complaint received 2025-06-19 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: GA

Complaint narrative:
Fraudulent Accounts Immediate Action Required ( SS # : XXXX ) To Whom It May Concern : No third-party company is involved so please dont respond with a stall letter or a generic reply.

This dispute is coming from me, the actual consumer, and it needs to be handled seriously and according to the law.

I am writing to demand the immediate deletion of fraudulent accounts that have been unlawfully reported on my consumer file, resulting from identity theft. Your failure to comply with federal law in verifying these accounts is both unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Legal Framework Violated : 18 U.S.C. 1028A Aggravated Identity Theft I am a victim of identity theft. Under this law, any fraudulent use of my identity is a federal crime punishable by an additional term of two years ' imprisonment for the offenders. Your negligence in verifying this information perpetuates the criminal activity and further damages my financial standing.

15 USC 1681c2 Block of Fraudulent Information Pursuant to this law, you are required to block all fraudulent information related to identity theft within four business days of receiving a valid identity theft report. Enclosed are all necessary documents to fulfill this requirement, including a copy of my FTC Identity Theft Report, proof of identity, and identification of fraudulent accounts. Failure to comply will result in formal complaints with federal and state agencies.

Fraudulent Accounts : 1. XXXX  XXXX Account Number : XXXX 2. XXXX XXXX Account Number : XXXX These accounts were not authorized by me and must be removed from my report immediately. 
Failure to Act : If these fraudulent accounts are not deleted, and an updated consumer report is not sent to me promptly as mandated under 15 USC 1681c-1 ( 2 ), I will escalate this matter to the following entities : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX ) State Attorney General Offices, both in your jurisdiction and mine Non-compliance will lead to formal legal action, including seeking damages for the harm caused by your continued violation of my rights.

Enclosures : Copy of my government-issued ID Proof of address ( utility bill ) Copy of my Social Security card FTC Identity Theft Report I expect swift action on your part and look forward to receiving confirmation that all fraudulent information has been removed and an updated report has been sent. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: OH

Complaint narrative:
I am submitting this complaint against XXXX XXXX XXXX, a debt collection agency that has reported a collection account to my credit report without properly verifying or validating the alleged debt as required by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). 

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I submitted a written dispute and a request for debt validation to XXXX XXXX XXXX upon discovering the account XXXX on my credit report. I requested full validation, including : The name and address of the original creditor A copy of the original contract or agreement bearing my signature A complete payment history or itemization of the debt Proof of XXXX XXXX 's legal right to collect on the alleged debt To date, I have not received any sufficient documentation from XXXX Funding to validate or verify the alleged debt. Despite this, the company continues to report the account to the credit bureaus, which constitutes a violation of the FDCPA and possibly the Fair Credit Reporting Act ( FCRA ). 

This is damaging my credit, and I believe it is being done unlawfully. I am requesting the CFPB to investigate XXXX XXXX XXXX for the following reasons : Failure to respond to a debt validation request within the required time Continued collection activity without proper validation Reporting to credit bureaus without verifying the legitimacy of the debt I am requesting the removal of this account from my credit reports and a formal response from XXXX XXXX XXXX regarding their failure to comply with federal law. 

Attachments : A copy of the validation request sent to XXXX Any proof of delivery Screenshot or copy of the credit report showing the account Any correspondence received from XXXXXXXX XXXX Thank you for your assistance in resolving this matter. 

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 non-monetary relief
Consumer complaint received 2025-06-19 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: NY

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional.

This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the 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 explanation
Consumer complaint received 2025-06-19 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: MI

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. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: NV

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional.

This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the 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 explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
To whom it may concern : ORIGINAL BALANCE : {$1200.00} DATE OPENED : XXXX XXXX DATE CLOSED : XXXX XXXX PAST DUE BALANCE {$1200.00}

Company response to consumer: Closed with explanation