vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: INTERCONTINENTAL EXCHANGE, INC.
State: MN

Complaint narrative:
I am submitting a formal complaint against XXXX XXXX XXXX. They improperly assessed legal fees to my account stemming from litigation ( XXXX XXXX. XXXX ), despite failing to respond to court service or borrower outreach for nearly three years. Their lien priority was never at risk under MN Statute 514.47, and yet they acted unilaterally in XXXX and billed me retroactively. This constitutes unjust enrichment, breach of contract, and possible consumer fraud. 

Attached is a detailed legal brief outlining the full chronology, legal citations, and demands for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: NM

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN : XXXX XXXX : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX To whom it may concern : I am asking you to review your data on file for me and to ensure that it is accurate and complies with the Fair Credit Reporting Act ( FCRA ) and METRO 2 compliance standards. I challenge any inaccuracies or deficiencies in the reporting, and I require the permanent removal of any inaccuracies immediately. I also demand that you investigate the source of each account and ensure that each creditor has a permissible purpose for all inquiries within my credit profile. 




XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern : The IRS considers most forms of forgiven, canceled, or settled debt as income for tax purposes. If the amount of your canceled debt is more than {$600.00} and is considered taxable, the lender must send you a Form 1099-C, which includes the canceled amount you must report.

You XXXX have reported this account as a charge/collection and are violating the Fair Credit Reporting Act 15 USC 1681.

15 USC 1681e ( b )

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 2025-07-25 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: CA

Complaint narrative:
This letter serves as my formal notice of dispute concerning certain account listed on my credit report that I believe was accessed or reported without a permissible purpose as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b.

Under the FCRA, a consumer reporting agency may furnish a consumer report only under specific, lawful purposes listed in 1681b ( a ). Any entity that accessed my credit file without my authorization or without a valid legal reason has done so in violation of this federal law.

Upon reviewing my credit reports, I found entries that I did not authorize, nor did I initiate any transaction that would justify such access. These unauthorized entries violate 1681b ( f ), which prohibits users from obtaining a consumer report without a permissible purpose. 

Legal Precedent : In the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. ), the court ruled in favor of the plaintiff, stating that a credit report pulled without a valid permissible purpose under FCRA constitutes a willful violation, which is actionable. 

Furthermore, multiple credit bureaus were defendants in recent lawsuits filed in XXXX for re-reporting or permitting access to consumer reports after the accounts were removed, which is also considered a willful disregard of consumer rights. 

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 non-monetary relief
Consumer complaint received 2025-07-25 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: NC

Complaint narrative:
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 4 business days of you receiving this complaint. 

I am filing this FTC Identity Theft Affidavit to report one fraudulent account appearing on my consumer FICO Transunion credit report, which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consist of a rent debt account opened at XXXX XXXX on XX/XX/year> under account number XXXX with a balance of $ XXXX.This account has resulted in a fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent item be removed from each of my consumer credit reports and that all collection activity related to said item cease pursuant to my rights within the FCRA and FDCPA laws. 

The account above, collections, late payments, and charge-offs result from 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 the aforementioned consumer account, and collection are the result of identity theft and fraud. I demand that the fraudulent item be removed from my consumer credit report and that all collection activity related to said item cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
am disputing a {$1700.00} charge from XXXX ( billed on XX/XX/year> ) through my Capital One credit card. I booked a resort through XXXX that was advertised as a 4-star property, but upon arrival, I found the conditions to be severely misrepresented and far below what was promised. 

I immediately documented the condition of the resort through photos and submitted all required documentation to Capital One after receiving their secure upload link. However, despite being told I had until XX/XX/year> to submit my materials, Capital One repeatedly closed my case early, stating that my documentation was incomplete because I did not provide cancellation documentation. 

This is not a cancellation issue. I did not cancel the stay in advance because I had no reason to believe there would be an issue until I arrived at the property. The dispute is based on misrepresentation a valid reason for chargeback under cardholder protections. Capital One has refused to consider this, has not requested any supporting documentation from the merchant, and continues to categorize the issue incorrectly as non-cancellation. 

I have now submitted a formal written rebuttal and all evidence again before the deadline. I am requesting CFPB assistance because I believe Capital One has mishandled my dispute, denied me proper consumer protections, and unfairly closed the case without a complete review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: FL

Complaint narrative:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file.

Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification.

Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within 30 calendar days of receipt of this correspondence, you must effectuate immediate deletion of the account from all versions of my credit report.

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards.

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data. In light of the 2023 CFPB enforcement action ( CFPB & FTC v. TransUnion ), in which your agency was fined {$23.00} XXXX for systemic reporting failures, I hereby request that my dispute be handled with due diligence and in full compliance with federal law.

The CFPB recently secured a {$15.00} million settlement after systemic investigatory and procedural lapses.

Accordingly, I require either : A certified copy of the original wetink signed agreement ; or Written confirmation that this account has been permanently deleted from all credit files you maintain. 

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 non-monetary relief
Consumer complaint received 2025-07-25 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: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-07-25 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: MA

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: NJ

Complaint narrative:
I am submitting this complaint due to multiple inaccurate and unverifiable accounts being reported by Equifax, which are harming my credit profile and violating the Fair Credit Reporting Act ( FCRA ). 
I submitted a formal written dispute ( Confirmation # XXXX ) to Equifax on XX/XX/year>, regarding the following accounts : XXXX. XXXX XXXX XXXX XXXX Account ending in XXXX XXXX. XXXX XXXX Account ending in XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account ending in XXXX XXXX. XXXX XXXX Account ending in XXXX XXXX. XXXX XXXX  Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX  These accounts reflect inaccurate balances, unverifiable payment history, and data that was not corrected after my previous dispute. 
I have not received full validation, including : Original signed contracts Full payment history Chain of custody Equifax has not fulfilled its obligations under : 15 U.S.C. 1681i failure to investigate and correct 15 U.S.C. 1681e ( b ) failure to ensure maximum accuracy 15 U.S.C. 1681s-2 ( b ) fI am demanding deletion of these unverifiable accounts if validation is not provided

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: AZ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXXP UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Account sold or transferred to another company
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
During financial troubles I tried reaching out and was not given any help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: MS

Complaint narrative:
I am submitting this complaint regarding several inaccurate and potentially unverifiable items being reported on my [ Experian/Equifax/TransUnion ] credit report . Despite my attempts to dispute these directly with the credit bureau, the items remain unresolved and continue to negatively affect my credit profile. 

XXXX XXXX XXXX is reporting a collection originally from XXXX XXXX XXXX. I requested validation, but proper documentation has not been provided. 

XXXX XXXX XXXX is reporting two separate collectionsone from XXXX  XXXX and one from XXXX XXXX XXXX. These accounts may be duplicates or misreported. Ive requested verification, but the reporting appears inconsistent or incomplete. 
XXXX XXXX XXXX is reporting a collection from XXXX XXXX. I do not recognize this account and have not received verification upon request. 

XXXX XXXX is reporting a charged-off account with an inflated balance and multiple delinquencies. I believe this is either outdated or inaccurately reported. 

XXXX XXXX XXXX  has two charge-off accounts reported with long-term delinquencies and inaccurate past due balances. I do not believe these accounts are being reported accurately. 

XXXX XXXX XXXX is reporting a charge-off on an auto loan account that I believe may be inaccurate in balance and status. There is a significant discrepancy in what is being reported. 

Dept. of Education / XXXX is reporting multiple late payments on student loans, including during periods where I believe deferment or forbearance was active. These may have been misclassified and should not be harming my credit. 

Additional late payments from XXXX XXXX, XXXX XXXX, and XXXX  XXXX XXXX are also reflected inaccurately, possibly stemming from reporting or communication issues during hardship periods. 

I have attached a letter outlining each account and my dispute in detail, as well as proof of identity and current address. I am requesting a full investigation into each item and removal of any that can not be verified under the Fair Credit Reporting Act ( FCRA ).

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 2025-07-25 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: MS

Complaint narrative:
I am submitting this complaint regarding several inaccurate and potentially unverifiable items being reported on my [ Experian/Equifax/TransUnion ] credit report . Despite my attempts to dispute these directly with the credit bureau, the items remain unresolved and continue to negatively affect my credit profile. 

XXXX XXXX XXXX is reporting a collection originally from XXXX XXXX XXXX. I requested validation, but proper documentation has not been provided. 

XXXX XXXX XXXX is reporting two separate collectionsone from XXXX  XXXX and one from XXXX XXXX XXXX. These accounts may be duplicates or misreported. Ive requested verification, but the reporting appears inconsistent or incomplete. 
XXXX XXXX XXXX is reporting a collection from XXXX XXXX. I do not recognize this account and have not received verification upon request. 

XXXX XXXX is reporting a charged-off account with an inflated balance and multiple delinquencies. I believe this is either outdated or inaccurately reported. 

XXXX XXXX XXXX  has two charge-off accounts reported with long-term delinquencies and inaccurate past due balances. I do not believe these accounts are being reported accurately. 

XXXX XXXX XXXX is reporting a charge-off on an auto loan account that I believe may be inaccurate in balance and status. There is a significant discrepancy in what is being reported. 

Dept. of Education / XXXX is reporting multiple late payments on student loans, including during periods where I believe deferment or forbearance was active. These may have been misclassified and should not be harming my credit. 

Additional late payments from XXXX XXXX, XXXX XXXX, and XXXX  XXXX XXXX are also reflected inaccurately, possibly stemming from reporting or communication issues during hardship periods. 

I have attached a letter outlining each account and my dispute in detail, as well as proof of identity and current address. I am requesting a full investigation into each item and removal of any that can not be verified under the Fair Credit Reporting Act ( FCRA ).

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 2025-07-25 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: IN

Complaint narrative:
Experian 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 Experian, 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 Experian has neither corrected nor removed Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
They are keeping me from making payments to them because I do not have a bank account with them. I just want to make multiple payments throughout the month and shouldnt be limited or punished for making payments. How can I pay down my debt if they block me from doing it?

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with non-monetary relief