vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 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:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: GA

Complaint narrative:
" To Whom It May Concern : I am sending this letter to you in response to a notice I received from you .Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. If your offices have reported invalid information to any of the three major Credit Bureaus XXXX XXXX XXXX XXXX XXXX XXXX, said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Personal information has been compromised during transunion data breach

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 2025-09-23 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: UT

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am enclosing a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) as evidence of my claim.

Pursuant to 15 U.S.C. 1681c-2, when a consumer files a report of identity theft, credit reporting agencies are required to block any information identified by the consumer as being the product of such theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be frozen : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately frozen from my credit report. This freeze must remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported. I have contacted EQUIFAX multiple times to report these accounts, but I have not received a clear or definitive solution to help me resolve this situation. This situation is severely impacting me, as I am trying to purchase a new home for my children and obtain financial tools to support my financial growth. Having these negative accounts on my credit report has blocked all my
opportunities and is causing me personal and financial harm. These accounts have already been removed and were not verified by other credit bureaus, so I don't understand why this agency continues to claim these accounts belong to me.

I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received a response. I respectfully request that you help me by removing these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: UT

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am enclosing a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) as evidence of my claim.

Pursuant to 15 U.S.C. 1681c-2, when a consumer files a report of identity theft, credit reporting agencies are required to block any information identified by the consumer as being the product of such theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be frozen : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately frozen from my credit report. This freeze must remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported. I have contacted EQUIFAX multiple times to report these accounts, but I have not received a clear or definitive solution to help me resolve this situation. This situation is severely impacting me, as I am trying to purchase a new home for my children and obtain financial tools to support my financial growth. Having these negative accounts on my credit report has blocked all my
opportunities and is causing me personal and financial harm. These accounts have already been removed and were not verified by other credit bureaus, so I don't understand why this agency continues to claim these accounts belong to me.

I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received a response. I respectfully request that you help me by removing these accounts immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is a formal dispute concerning fraudulent accounts appearing on my credit report. I had no involvement in creating, authorizing, or using these accounts. Their presence is erroneous, harmful, and creates a false representation of my financial history. Such reporting is unjust and inconsistent with the standards of accurate and fair credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: GA

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 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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am filing this complaint against several creditors, furnishers, and credit reporting agencies for reporting inaccurate, unverifiable, and misleading information on my credit file, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Disputed Items : Wrong Address Reported XXXX XXXX XXXX XXXX XXXX, MI XXXX This is not my address and should never have been associated with my file. The inclusion of this incorrect address is misleading, violates FCRA 1681e ( b ) ( failure to maintain maximum possible accuracy ), and increases my risk of identity theft. 

Inaccurate Account Reporting XXXX Acct # XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$27000.00} Reported Late Payment XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reported Late Payment XXXX XXXX These late payment notations are inaccurate, misleading, and unverifiable. I dispute their validity and demand immediate reinvestigation as required under FCRA 1681i. 

Unauthorized/Improper Credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not authorized by me. Under FCRA 1681b, a consumer reporting agency may only furnish my report for permissible purposes. These entities had no permissible purpose and therefore these inquiries constitute a violation of my rights.

Requested Action : I demand that the CFPB : Investigate these violations thoroughly.

Order the immediate removal of the wrong address from all credit reports.

Delete or correct the inaccurate late payment records.

Remove all unauthorized inquiries from my file.

Hold the reporting agencies and furnishers accountable for failing to comply with 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 explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Atlantic Collection Agency, Inc.
State: CT

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Company Youre Complaining About Collection Agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Provider : XXXX XXXX XXXX Complaint Summary I am filing a complaint under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) regarding false credit reporting of a medical collection. 

The collection agency, Atlantic Collection Agency, has reported an outstanding balance of {$1700.00} to XXXX. This is inaccurate. Both the original provider XXXX XXXX XXXX XXXX ) and the collection agencys own letter confirm the balance is {$220.00}. 

Providers final bill dated XX/XX/XXXX shows {$220.00} due. 
Collection agencys letter dated XX/XX/XXXX also confirms {$220.00} as the correct balance after credits. 
Despite this, XXXX continues to report the account as {$1700.00}, damaging my credit history. 

Laws Potentially Violated FCRA ( 15 U.S.C. 1681i ) : Inaccurate information must be corrected or deleted.

FDCPA ( 15 U.S.C. 1692e ( 2 ) ( A ) ) : Prohibits misrepresentation of the amount of a debt. 

What Ive Already Done I disputed the account with XXXX but the inaccurate amount was verified without correction. 
I sent written disputes with proof to both XXXX  and the collection agency. 

Supporting Documents ( Attach XXXX  copies/scans of ) : Providers bill dated XX/XX/XXXX ( {$220.00} ) Collection agencys letter dated XX/XX/XXXX ( {$220.00} ) XXXX credit report showing {$1700.00} balance Prior dispute letter to Collection agency Prior dispute letter to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Applications were made in my name without my knowledge or consent, resulting in fraudulent inquiries appearing on my credit report. I do not recognize these inquiries and never authorized any of these companies to access my credit information. This has directly harmed my credit score and continues to cause unnecessary stress. I previously contacted the bureau, and a representative confirmed that these inquiries would be deleted, yet they still remain on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally disputing fraudulent accounts that have been added to my credit report without my authorization. These accounts do not belong to me, and their presence represents a serious misrepresentation of my financial history. Such inaccurate reporting is damaging, misleading, and can not be permitted to remain.

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 2025-09-22 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: MD

Complaint narrative:
XXXX XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXX EMP - Incorrect PersonaXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal 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 ( FTC NUMBER ) as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit 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 2025-09-23 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I had a promotional charge to pay within 18 months which needed to be paid by XX/XX/year>. My XX/XX/year> statement showed that I owed {$2500.00} on this charge. On XX/XX/XXXX I made XXXX payments {$1400.00} and {$500.00}, which would bring my balance to {$640.00}. When I received my XX/XX/year> statement, it showed I still owed {$800.00}. I called immediately to get this fixed. I told them if you do the math, my balance should be {$640.00}. They said it would take XXXX billing cycles to fix. At that time, I told them I would be making a payment of {$300.00} in XXXX and XXXX in XXXX. They told me the interest would be credited back to me if it was charged. I received my XX/XX/year> statement and nothing was resolved and they charged me the interest of {$1700.00}. I called them again and explained everything again. The person I spoke with said she understood what the problem was and they would have it fixed in XXXX billing cycles. I just opened my XX/XX/year> statement and nothing has been resolved. I dont know what else to do about this account. They said if I have a problem, I would have to write to their corporate office. I feel I have gone above and beyond to get this settled. Every time I have called they tell me they have no record of me ever speaking to anyone.

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 monetary relief
Consumer complaint received 2025-09-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX September 2025 XXXXAmounts XXXX XXXXWrong name mine name XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am formally disputing fraudulent accounts listed on my credit report. These accounts were never authorized, opened, or managed by me. Their presence is false, damaging, and misrepresents my financial history, causing unjust harm to my credit reputation.

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 2025-09-23 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: PA

Complaint narrative:
I am submitting this complaint to formally dispute multiple inaccurate and unverifiable items on my credit report which have caused significant damage to my creditworthiness and financial standing. The Fair Credit Reporting Act ( FCRA ) Section 609 and 611 mandates that all information reported to credit bureaus must be accurate, verifiable, and complete, and I am exercising my rights to demand proper reinvestigation. 

Account : XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX Opened XX/XX/year>, XXXX : {$0.00}, XXXX XXXX XXXX This charge-off is falsely reported and unverified. FCRA 1681i ( a ) requires that all disputed information be reinvestigated thoroughly. Previous disputes did not resolve this issue, and its continued reporting continues to harm my credit profile. The inclusion of unverified negative information violates 1681e ( b ) and is materially harmful. Repeated errors suggest negligence in the reinvestigation process. I demand immediate removal or correction. Documentation verifying the charge-off must be provided ; otherwise, it must be deleted. Failure to act constitutes a continuing violation of my legal rights. This inaccurate reporting misleads creditors, affects credit scoring, and creates unjust financial harm. Immediate written confirmation of correction is required. 

CFPB, I request your immediate attention and enforcement to ensure the reporting bureaus and furnishers comply with federal law, fully verify all accounts listed, and correct or delete any unverifiable or inaccurate information. The repeated reporting of these inaccurate charge-offs and bankruptcy information continues to cause substantial harm to my financial opportunities and violates my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: NC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had a bank account with Capital One. I contacted Capital One about my account. I was told that if I paid off the negative balance, my account would remain open. Based on this, I initiated a transfer on XX/XX/year> for a transfer of XXXX $ and then would have any XXXX left and it would post on XX/XX/year>. 

On XX/XX/year>, Capital One permanently restricted my account. I only made the payment because of the assurance I received from their representative. As of now, my account shows a positive balance of {$180.00}. 

I am requesting : 1. Written confirmation that my account is settled and has a {$0.00} negative balance. 
2. Assurance that my account will be reported accurately to XXXXcredit bureaus , reflecting that I do not owe Capital One if not reopened.

Company response to consumer: Closed with monetary relief