vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 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: KY

Complaint narrative:
Re : Formal Dispute of Inaccurate Reporting DiscoverCard Account # XXXX XXXX XXXX XXXX XXXX XXXX ISSUE I am formally disputing the late payments and inaccurate information being reported on my credit file regarding the above-referenced account. This account, which is listed as Paid and Closed, is reflecting late payments ( 30, 60, 90, and 120 days past due ) on TransUnion and possibly other bureaus. 
This reporting is inaccurate, incomplete, and misleading because : 1. The account shows inconsistent balances ( {$1000.00} vs. {$900.00} ) and credit limits ( {$900.00} vs. {$0.00} ). 
2. The account status is marked Closed/Paid, yet late payment notations remain, which is inconsistent with the actual closure and payment status.

3. The Creditor Remarks fields differ between bureaus ( canceled by grantor, closed due to inactivity, and zero balance ), showing a lack of standardized reporting. 
4. Date of last activity and reporting dates are inconsistent ( XX/XX/XXXX vs. XX/XX/XXXX ). 
These discrepancies violate Metro 2 reporting standards and FCRA 1681s-2 ( a ) ( 1 ) ( A ) which prohibits furnishing inaccurate information.

LAW 1. Fair Credit Reporting Act ( FCRA ) Requires furnishers to report accurate and complete information ( 1681e ( b ), 1681i, 1681s-2 ).

2. Truth in Lending Act ( TILA ) Mandates accurate disclosures regarding balances and credit limits. 
3. Payee Account Number Accuracy Law ( PAANL ) Requires proper reporting of account numbers and balances to avoid consumer confusion.

4. UDAAP ( Unfair, Deceptive, or Abusive Acts and Practices ) Prohibits deceptive reporting that misleads creditors about my creditworthiness. 
Because of the conflicting data, the bureaus and furnishers are in violation of the above statutes and Metro 2 Guidelines ( Field Compliance Codes 162, 186, 187, and 188 ). 

HARM The inaccurate reporting of late payments and inconsistent account data is directly harming my creditworthiness by artificially suppressing my credit score. This false negative information may cause me to be denied credit opportunities, pay higher interest rates, or face adverse action from potential lenders. 

DEMAND Pursuant to FCRA 611 ( 15 U.S.C. 1681i ), I demand that you : 1. Conduct a reasonable investigation into the accuracy of this account. 
2. Remove all late payment notations and inaccurate data points ( balances, dates, credit limits ) immediately.

3. Provide me with an updated copy of my credit report showing the deletion or correction. 
If you can not verify the information using original creditor records that meet Metro 2 and FCRA standards, you must delete the account from my credit file.

Failure to comply will leave me no choice but to escalate this matter by filing complaints with the CFPB, FTC, and my state Attorney General for violations of FCRA, TILA, PAANL, and UDAAP. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
am submitting this complaint because XXXX XXXX XXXXXXXX XXXX reported unauthorized charges on my credit report and refused to conduct a proper investigation. I also contacted Experian, and they continue to report the inaccurate balance despite my dispute. Ive attached my formal complaint and dispute letter for your review. I am requesting your assistance in having this account removed and holding the responsible parties accountable. 

Thank you for your time and support. 

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 2025-07-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am filing this complaint to dispute the continued reporting of XXXX late payments from XXXX  by Capital One Auto Finance on a loan that has been fully settled, closed, and paid in full. Although the account is no longer active, these derogatory marks are still being reported across multiple credit bureaus and are severely impacting my credit history. 

This reporting is outdated, punitive, and potentially non-compliant with FCRA and XXXX XXXX guidelines, which require that credit data be fair, accurate, and not misleading. Late payments over 24 months oldespecially on a closed accountno longer reflect my current creditworthiness. Additionally, I requested Capital One provide documentation to justify the continued reporting of these lates, but they failed to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " US BKPT CT NJ-VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court US BKPT CT NJ that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that XXXX  lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-07-30 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: Experian Information Solutions Inc.
State: NY

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 explanation
Consumer complaint received 2025-07-30 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: VA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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 XXXX Address : XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$190.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$13000.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: GA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit report from Experian has my credit score go down and down and down by re reporting every 30,60 & 90 days that a credit card or loan has been charged off. If its been noted once, and the credit score reduced, why do they report it over and over again continually lowering credit score? Its charged off, that should be the end of it. But Experian doesnt respond to hand written or typed mail or answer their phone.

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CL Holdings LLC
State: CA

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX  has neither corrected nor removed anything off my credit. am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX XXXX inaction violates federal law and my rights as a consumer. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed anything off my credit. am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX XXXX inaction violates federal law and my rights as a consumer. Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
In XX/XX/XXXX I financed a XXXX XXXX XXXX with Credit Acceptance Corporation. On XXXX XXXX, the vehicle was totaled. It had full coverage, and XXXX XXXX, and I wasnt behind on payments. After receiving all payments Credit Acceptance Corporation, insisted I owed them {$2600.00}. When questioned as to why I would owe them amount, I would never receive explanations. Im only told that I owe the amount, and to set up a payment plan. As of XX/XX/XXXX, exactly a year and XXXX day after the accident I received another email. They would settle the debt for {$520.00}. It is fairly cheap, but I still dont see a reasoning as to why I would owe the company at all.

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 2025-07-30 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: CA

Complaint narrative:
Please delete these unauthorized accounts from my credit report, as I neither approved their creation nor was aware of them. Per USC 1681g, I request their removal within 15 days. Attached are supporting documents.

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 2025-07-30 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: AZ

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I haven't been in school in over 35 years. I haven't applied nor received any student loan from any government or private institution. Therfore why is this 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 2025-07-30 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: IL

Complaint narrative:
I have identified incorrect accounts on my credit report that need to be addressed and corrected by your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX all credit bureaus receive priority mail that the information they was reported is inaccurate and not suppose to be on my credit report. XXXX XX/XX/XXXX transunion reported an extra bankruptcy on my credit profile. I received a letter From the bankruptcy court stating that they do not report to any credit agency and and I am opted out of all third parties or any third parties sell and solicit information. 


To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Failure of Credit Bureaus to Remove Dismissed Bankruptcy in Violation of the FCRA RE : Case numbers XXXX Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against one or more credit reporting agencies for failing to remove a dismissed bankruptcy from my credit report, despite my repeated disputes and submission of supporting court documentation. 

The bankruptcy case in question was dismissed by the court, which means it did not result in a discharge or legal resolution. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate, verifiable, and complete information. The continued reporting of this dismissed bankruptcy is misleading and damaging to my credit profile. 

I have attempted to resolve this matter directly with the bureaus ( Experian, Equifax, and/or TransUnion ) by submitting dispute letters, including official court documents confirming the dismissal. Despite following all required procedures, the bankruptcy remains on my report. 

I respectfully request your agencys assistance in investigating this matter and compelling the credit bureaus to remove this inaccurate entry from my credit file in compliance with the FCRA. 

Thank you for your time and advocacy on behalf of consumers. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX all credit bureaus receive priority mail that the information they was reported is inaccurate and not suppose to be on my credit report. XXXX XX/XX/XXXX transunion reported an extra bankruptcy on my credit profile. I received a letter From the bankruptcy court stating that they do not report to any credit agency and and I am opted out of all third parties or any third parties sell and solicit information. 


To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Failure of Credit Bureaus to Remove Dismissed Bankruptcy in Violation of the FCRA RE : Case numbers XXXX Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against one or more credit reporting agencies for failing to remove a dismissed bankruptcy from my credit report, despite my repeated disputes and submission of supporting court documentation. 

The bankruptcy case in question was dismissed by the court, which means it did not result in a discharge or legal resolution. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate, verifiable, and complete information. The continued reporting of this dismissed bankruptcy is misleading and damaging to my credit profile. 

I have attempted to resolve this matter directly with the bureaus ( Experian, Equifax, and/or TransUnion ) by submitting dispute letters, including official court documents confirming the dismissal. Despite following all required procedures, the bankruptcy remains on my report. 

I respectfully request your agencys assistance in investigating this matter and compelling the credit bureaus to remove this inaccurate entry from my credit file in compliance with the FCRA. 

Thank you for your time and advocacy on behalf of consumers. 

Sincerely, 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