vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-23 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: CA

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against XXXX Experian/Equifax/Trans union for inaccurate and unfair reporting of a charge-off account on my credit report. This account is being reported with late payments after the account was charged off, which is both inaccurate and unlawful under the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) of the FCRA, furnishers of information to consumer reporting agencies must not report information that they know or should know is inaccurate. Once an account is charged off, it is closed and no longer accrues late payments. Continuing to report late payments after a charge-off misrepresents the true status of the account and causes ongoing harm to my credit profile.

Furthermore, under 15 U.S.C. 1681i, I have the right to dispute inaccurate information with credit reporting agencies, and the furnisher has a duty to conduct a reasonable investigation. The reporting of postcharge-off late payments is misleading and creates the appearance of continued delinquency, which is materially false. 

This practice also violates the Consumer Financial Protection Act ( 12 U.S.C. 5531 ), which prohibits unfair, deceptive, or abusive acts or practices ( UDAAP ). Reporting false delinquencies after charge-off is a deceptive and unfair practice that damages consumers creditworthiness.

I respectfully request that the CFPB investigate this matter, require XXXX/EXQUIFAX TRANSUNION EXPERIAN to correct their reporting, and ensure that the account is updated to accurately reflect its true status. 

Enclosed are copies of my credit reports highlighting the inaccuracies for your review. 

Thank you for your prompt attention to this matter. Please update me regarding the results of your investigation. 

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 non-monetary relief
Consumer complaint received 2025-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXXXXXX XXXX XXXX XXXX  Balance Owed : {$250000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * Balance Owed : {$110.00} XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$19000.00} XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$10000.00}

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 2025-08-23 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: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One overseas department is harassing me for claim money that was resolved and validated by their XXXX department. I have asked for my bank account and credit card be closed with this business due to the Cyber bullying and falsified XXXX Regulation E investigations. Every details and evidence was submitted to ther backfire and provide to the XXXX XXXX XXXX and Public Relatioons media Advisor. My account had a XXXX balance as of XXXX with full transfer of of my funds with checks sent by their accounting. If you continue to harass me for money and deny my claims with full documentation for XXXX of my chargeback completion XXXX XXXX XXXX will sue this bank in court for malicious espionage and compliance fraud. Your executive office has had several CFPB cases opened against or Claims dept for not STOPing these merchants fraud using my card on Recorded calls requesting that you XXXX XXXX from having access to my account. Your incompetence and violation of law put my financial security as at risk & I demand you to reverse this overdrawn account now trying to get me to pay the bank for an investigation you refused to evaluate and present Chargevack status. The merchant even agreed I was owed my refunds and your illegal actions to reverse my refunds with malicious intent to harass and libally make unjustified allegations will be debated and fully disclosed to media investigative reporters internationally. I will never give you another dime of my money & refused further contact from you unless its my the executive office and headquarters that was given awareness of your negligence and employee abuse of power.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: NJ

Complaint narrative:
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: TX

Complaint narrative:
Hello. There are fraudulent inquiries on my report applications made in my name that I did not make nor given/authorize consent to. I suspect that it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX is attempting to collect a debt more than it actually is. 

XX/XX/XXXX the debt amount was {$610.00}. XXXX XXXX a payment of {$500.00} towards the {$610.00} owed leaving the balance at {$110.00}. Account was closed XX/XX/XXXX with a balance of {$670.00}. Account information is totally inaccurate. 

To whom it may concern, I am writing to dispute the accuracy of the above mentioned debt on my credit report. XXXX XXXX XXXX have violated my right and the FAIR CREDIT REPORTING ACT ( FCRA ) by trying to collect more than the debt actually is. This is a formal letter request for investigation under the FCRA. According to the FCRA all and any inaccuracies should be removed from ones credit report and to cease and desist collection of the debt.

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 2025-08-23 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXXXXXX 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 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: MN

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding inaccurate credit reporting on my mortgage account with XXXX XXXX XXXX Bank and the harm it has caused to my credit history. 

In XX/XX/XXXX, XXXX XXXX XXXX Bank improperly reported a late payment on my primary mortgage due to their representatives error in setting up my automatic payment schedule. I had previously been on a biweekly autopay arrangement and requested a change to weekly autopay. The setup was not completed correctly by the bank, and as a result, my scheduled payments in XXXX and XX/XX/XXXX were not withdrawn in a timely manner. 

This error was entirely administrative and not the result of any failure on my part to make payments. The issue was corrected by XXXX XXXX XXXX Bank in XX/XX/XXXX, and I have otherwise maintained a perfect on-time payment history on this mortgage since opening it in XXXX. 

In addition, I also hold a second mortgage with XXXX XXXX XXXX Bank since XX/XX/XXXX, and I have never had a late payment on that account. This further supports my long-standing record of responsible repayment. 

I have attached copies of my payment history records, which clearly show that the payments for XXXX and XX/XX/XXXX were withheld by XXXX XXXX XXXX Bank due to their representatives mistake. Despite this, the banks error has unfairly resulted in a negative mark on my credit report, damaging my XXXX XXXX for no valid reason. 

XXXX XXXX XXXX Bank has acknowledged this issue but has been unreasonably slow in providing me with a formal correction letter. I have also disputed the reporting with TransUnion, but the matter remains unresolved. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and require XXXX XXXX XXXX Bank to : Correct the inaccurate late payment reporting for XX/XX/XXXX. 

Provide written confirmation that the error was caused by their mishandling of my payment setup. 

Notify all credit reporting agencies ( TransUnion, Equifax, Experian ) of the correction immediately. 

This matter has caused me financial and reputational harm, and I seek your assistance in ensuring my credit report reflects the accurate record of on-time payments I have maintained for over XXXX XXXX 

Thank you for your prompt attention. 

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
Consumer complaint received 2025-08-23 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: NC

Complaint narrative:
I take my credit seriously, and I'm really concerned about the inaccuracies on my credit report. These errors are causing me a lot of stress and are impacting my ability to get new credit. Additionally, I am also writing to request the correction of inaccurate personal information as I've noticed that these errors XXXX have contributed to the issues with my credit applications, which is extremely frustrating. I've worked hard to build my credit, and it's disappointing to see it affected by mistakes that aren't my fault. It's getting me anxious. I want you to get this fixed as soon as possible because I don't want any more damage to be done.

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 2025-08-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a complaint to formally dispute the accuracy, completeness, and legality of certain information currently being reported on my credit file. After reviewing my credit reports, I found multiple charge-off accounts, collection accounts, and inquiries that either lack proper documentation, were reported in violation of federal law, or are the result of identity theft.

First, I request the deletion of the following charge-off accounts, as no IRS Form 1099-C has ever been issued for cancellation of debt in amounts exceeding {$600.00}, rendering these entries unverifiable and unlawful : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Balance Owed : {$17000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Balance Owed : {$19000.00} Furthermore, I request the removal of the following collection accounts, as they are the result of identity theft and must be blocked from my credit report in compliance with FCRA 605B / 15 U.S.C. 1681c-2, which requires credit reporting agencies to block reporting of information resulting from identity theft when a proper identity theft report is provided : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$5300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$6600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$5300.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$9400.00} Lastly, I dispute the following inquiries, as they do not meet the requirements of permissible purpose under FCRA 604 ( a ) / 15 U.S.C. 1681b ( a ) and may constitute a violation of FCRA 619 / 15 U.S.C. 1681q if obtained under false pretenses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with FCRA 611 ( a ) / 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation of these items. If the furnishers of this information can not provide verified, accurate, and complete documentation, these accounts and inquiries must be deleted from my credit file.

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 2025-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: FISERV FINXACT CORE
State: IN

Complaint narrative:
Dear CFPB, I am filing this complaint against TRS Recovery Services XXXX XXXX and XXXX for improper debt collection practices and failure to issue a refund for an unfulfilled purchase. 

Background In XXXX, I made a purchase on XXXX using my checking account. 
I never received the item. XXXX informed me that a refund had been processed, but no such refund was ever credited to my account. 
I contacted my bank, which confirmed no refund was issued and opened a dispute on my behalf. My bank ultimately refunded the amount to my account. 

TRS Recovery Services Actions Despite my dispute and the documentation provided, TRS Recovery Services claims I owe {$50.00} and continues to attempt collection which isnt even the amount of the purchase or the initial amount the claimed I owed. The purchase amount was {$63.00}. 
I immediately disputed the debt, submitting my banking statements as evidence. Despite this, TRS has persisted in pursuing the alleged debt.

TRS has threatened to report me to consumer reporting databases used for check writing and creditworthiness, which may negatively impact my financial standing. 

Violations and Concerns XXXX. XXXX failed to issue the promised refund, forcing me to resolve the matter through my bank. 
2. TRS Recovery Services is attempting to collect a debt that has already been disputed and proven invalid, which violates the Fair Debt Collection Practices Act ( FDCPA ). 
XXXX. The continued collection attempts put me at risk of unfair negative reporting that could harm my credit and my ability to use checks in the future. 

I have attached supporting documentation, including : Bank statements showing no refund was received from XXXX. 
Bank dispute records and proof of reimbursement. 
Correspondence with XXXX. 
The debt collection notice from TRS Recovery Services. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this situation fairly and promptly. 

Sincerely,

Company response to consumer: Closed with explanation