vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-01 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: SC

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 ( XXXX ) 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 non-monetary relief
Consumer complaint received 2025-09-01 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: WI

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting by XXXX XXXX XXXX concerning my secured credit card account Account beginning with numbers XXXX This account was opened as a secured credit card, requiring me to deposit {$500.00} as collateral. According to the cardholder agreement, that deposit was to be used to cover any unpaid balance in the event of account closure. 

When the account was closed, the creditor withheld my deposit in full. The outstanding balance on the account was completely satisfied by those funds. Despite this, the creditor reported the account as a charge-off to the credit bureaus ( Experian, Equifax, TransUnion ) XXXX 

This reporting is : XXXX. Inaccurate The creditor suffered no loss, as the secured deposit satisfied the balance. 
XXXX. Misleading A charge-off implies unpaid debt, which is not the case. 
XXXX. Potentially unlawful XXXX Fair Credit Reporting Act ( 15 U.S.C. 1681i ) requires that credit reporting be accurate and not misleading. Reporting a charge-off in these circumstances violates that standard. 

I have disputed this information directly with both the credit bureaus and the furnisher ( the creditor ), providing documentation of the deposit and its application. However, the creditor has failed to correct the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: OH

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-09-01 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: LEXISNEXIS
State: VA

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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 am the victim of fraud and identity theft. An account is appearing on my credit reports that does not belong to me and was opened without my knowledge or consent. The fraudulent account appears with the following details : Account Number : XXXX Account Status : Over 120 Days Past Due Account Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Reported : {$6400.00} High Credit : {$6000.00} Date Opened : XX/XX/XXXX Reported : XX/XX/XXXX Comments : Student Loan Fixed Rate 150 Days Past Due This account is fraudulent. I never agreed for, signed, or authorized any such student loan. I am disputing this account as the result of identity theft. 
Additionally, there is a clear reporting violation : the same account number is being reported with two different balances. This is inaccurate, misleading, and violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain maximum possible accuracy of consumer information. 
Furthermore, this loan was fraudulently entered through Health and Style Institute LLC, a school that has since been shut down and is currently under investigation for fraudulent practices. This further demonstrates that the account is illegitimate and must not remain on my credit report.

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 605B [ 15 U.S.C. 1681c-2 ], I demand that this account be : 1. Blocked from my credit file immediately since it is the result of identity theft.

2. Deleted in its entirety from my Experian, TransUnion, and Equifax credit reports.

3. That no further reporting, collection, or verification attempts occur on this fraudulent account.

Enclosed, please find copies of the following documents to support my claim : My government-issued photo identification.

Proof of address ( utility bill ). 
[ Optional : A copy of an FTC Identity Theft Report, if you file one at XXXX. ] This account is fraudulent, and continued reporting of it after this notice would be a willful violation of federal law. If this matter is not resolved promptly, I will escalate by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Georgia Attorney Generals Office, and I will consider legal action to enforce my rights. 
Please confirm in writing within 30 days that this fraudulent account has been deleted and blocked from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I accidently made a wrong transaction to a stranger XXXX XXXX on XX/XX/year> at XXXX XXXX ID XXXX on Venmo. 
I requested the payment amount back, and the person did not pay me back. 
I contacted the XXXX help line for Venmo, and they were asking for access to share my screen and have access to my bank account on the screen. 
It seems like a scam. They said they would pay me back with crypto. It sounded really fishy and they kept asking me for personal information. 
When I called the helpline, they did not identify that they were with Venmo. 
My venmo account is XXXX XXXX XXXXXXXX XXXX 
Please can you assist me with getting my {$25.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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:
Im reaching out to dispute an account thats currently showing on my credit report. I need you to certify, with full accuracy and confidence, that every single piece of data tied to this account actually belongs to me including but not limited to the account number, payment history, balances, dates, and all identifying details. 

If you can not fully verify and certify that this account and all of the information attached to it is 100 % accurate and legitimately tied to me, then you are obligated to delete the entire account from my credit report immediately.

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 2025-09-01 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: MO

Complaint narrative:
CFPB XXXX XXXX Deletion Dispute Letter To be submitted via : https : XXXX XXXX Name : XXXX XXXX XXXX ( Last XXXX digits ) : XXXX Address on ID : XXXX XXXX XXXX XXXX Missouri XXXX XXXX : XX/XX/year> Subject : Demand for Immediate Deletion of Student Loan Accounts from Credit Reports due to FCRA Violations, Lack of Verification, and Data Breach Dear CFPB, I am formally requesting an immediate investigation and removal of all student loan accounts being reported on my credit file by TransUnion, Equifax, and Experian, as well as any third-party servicers or debt buyers. 



Despite previous disputes, these accounts have not been verified with original signed contracts as required under the FCRA ( 15 USC 1681i ) and can not be legally reported without full validation. I have never been shown the original XXXX signed contract, and under 15 USC 1692g , I have the right to dispute and request validation. 



Furthermore, I was a victim of multiple data breaches, including but not limited to : XXXX, XXXX, and Aidvantage-related breaches Experian, TransUnion, and Equifax XXXX XXXX My personal data has been compromised and XXXX have been used to falsely assign or maintain accounts that are unverifiable or in violation of federal law. 



I have mailed and contacted all bureaus and the data furnishers directly. I also attached an FTC Identity Theft Report, but these loans were not removed. This failure to act violates the FCRA and constitutes negligence. 



I am demanding the removal of ALL student loan accounts within XXXX business days or I will proceed with : Civil litigation under 15 USC 1681n and 1681o Filing complaints with the FTC, State Attorney General, and BBB Seeking {$1000.00} per violation, plus punitive damages and attorneys fees Accounts to Remove : [ List loan service names and last XXXX of account numbers ] XXXX XXXX XXXXXXXX XXXX * * * * {$4100.00} {$6.00} XXXX XXXX XXXX XXXX * * * * {$10000.00} {$11.00} XXXX XXXX XXXX XXXX XXXX * * * {$5300.00} {$7.00} XXXX XXXX  XXXX XXXX * * XXXX * {$10000.00} {$11.00} XXXX XXXX XXXX XXXX * * * * {$2100.00} {$3.00} XXXX XXXX  XXXX XXXX * * * * {$3800.00} {$4.00} XXXX XXXX XXXX XXXXXXXX * * * * {$3800.00} {$6.00} XXXX XXXX XXXXXXXX XXXX * * * * {$7000.00} {$11.00} XXXX XXXX XXXXXXXX XXXX * * * * {$1100.00} {$1.00} XXXX XXXX  XXXX XXXX XXXX * * * {$3300.00} {$5.00} XXXX XXXX XXXXXXXX XXXX * * XXXX * {$4800.00} {$7.00} XXXX XXXX  XXXX XXXX * * * * {$3600.00} {$5.00} XXXX XXXX XXXX XXXX * * * * {$4700.00} {$7.00} This is your final opportunity to comply before legal action is pursued XXXX 



Sincerely, XXXX XXXX Email : XXXX Phone : 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 2025-09-02 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: PA

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. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-09-01 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: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Email : XXXX Phone : XXXX XXXX To : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXXXXXX XXXX XXXX XXXX P.O. XXXX XXXX, XXXX, TX XXXX Subject : Aggressive Dispute & Demand for Immediate Deletion of Closed, Paid Account To Whom It May Concern, I am formally disputing the reporting of the following account on my XXXX and XXXX XXXXXXXX reports as misleading, inaccurate in context, and causing financial and emotional harm : Creditor : Credit Acceptance Corp Account # : XXXX * * * * / XXXX Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Balance : {$0.00} Status : Paid, Closed ; Paid as Agreed Original Balance : {$8100.00} Monthly Payment Terms : 60 months Payment Received : {$1600.00} Last Payment Date : XX/XX/XXXX Address : P.O. XXXX XXXX, XXXX, MI XXXX XXXX Reporting Details : Balance : Paid off / {$0.00} Payment History : Paid, Closed/Never late Terms : 60 months Last Payment : XX/XX/XXXX Open/Closed : Closed Legal Violations & Consumer Protections FCRA 607 ( b ) / 1681e ( b ) Maximum Accuracy Obligation Even if technically accurate, the reporting of a closed, fully paid, and never-late account in a manner that negatively impacts creditworthiness violates your obligation to report information completely, fairly, and accurately. 

FCRA 611 Duty to Reinvestigate Any misrepresentation or misleading reporting must be corrected. Continued reporting without context or clarification that this account is fully satisfied and in good standing constitutes incomplete reporting.

FCRA 623 ( a ) Furnisher Responsibility Creditors and reporting agencies must ensure that any information provided or reported is complete and does not mislead. Reporting this account without clarity misleads potential lenders and harms my financial standing.

FDCPA 807/ State Consumer Protection Statutes Misrepresenting the status or context of a fully satisfied account can be considered a deceptive practice, causing undue financial stress, denial of credit, and emotional distress.

Financial & Emotional Hardship The continued reporting of this account as a negative item, despite being paid in full and never late, is causing : Repeated credit denials Higher insurance premiums Loan application obstacles Severe emotional distress and anxiety Demand for Immediate Action I demand that TransUnion and Experian : Delete this account or update reporting to clearly reflect that it is closed, fully paid, and never late Provide written confirmation of this correction Notify all parties who accessed my credit report in the past 6 months of the corrected reporting

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: WA

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal 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 2025-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital one XXXX XXXX Capital one XXXX XXXX One is a capital one card and the second is a capital one Kohl 's Card both in collections totalling about XXXX. These collections only show on transunion tho both capital one accounts show as charge offs in XXXX  and XXXX  but no collections? Also I was XXXX  from XXXX to XXXX in the XXXX  XXXX  XXXX XXXX and I made a police report in XXXX Of XXXX reporting my phone and information stolen. I have all the reports. I've tried reaching out to XXXX  and XXXX  with minimal effort put in towards there department. I've also sent dispute letters to XXXX  regarding all of this I need help removing these collections please I have a fresh start at life I get out to this and it's holding me back from moving forward building positive goals thank u so .much for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: NC

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

1681c2 ) that you, the TransUnion credit reporting agencys block the 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, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXX * * * * *, Date Opened : XX/XX/XXXX, Balance : {$5200.00} XXXX XXXXXXXX - Account Number : XXXX * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX XXXX XXXX Account Number : XXXX * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$500.00} XXXX - Account Number : XXXX * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$3700.00} XXXX XXXX - Account Number : XXXX * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$3800.00} XXXX XXXX - Account Number : XXXX * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$8000.00} XXXX - Account Number : XXXX * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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