vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I believe these accounts were created without my consent and are fraudulent. I request an investigation and their prompt removal. Relevant documentation is included.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing multiple inaccurate and unverifiable accounts reporting on my credit file with [ TransUnion/Experian/Equifax ] . These include collection accounts, charge-offs, late payments, and hard inquiries that are either not mine, not validated, or reported incorrectly. 

I previously disputed these accounts directly with the credit bureau and requested proper verification under the Fair Credit Reporting Act ( 15 U.S.C. 602, 609, 611, 623 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 809 ). The bureau failed to provide the required documentation, such as the original signed contracts, validation from furnishers, or a complete chain of title. 

The continued reporting of these accounts without verification violates federal law, including the FCRA, FDCPA, Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ), and protections under the Uniform Commercial Code 3-501. In addition, the unauthorized hard inquiries violate FCRA 604. 

Supporting evidence is attached, including dispute letters, my credit report with highlighted errors, proof of identity and address, and evidence of prior disputes.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am disputing multiple inaccurate and unverifiable accounts reporting on my credit file with [ TransUnion/Experian/Equifax ] . These include collection accounts, charge-offs, late payments, and hard inquiries that are either not mine, not validated, or reported incorrectly. 

I previously disputed these accounts directly with the credit bureau and requested proper verification under the Fair Credit Reporting Act ( 15 U.S.C. 602, 609, 611, 623 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 809 ). The bureau failed to provide the required documentation, such as the original signed contracts, validation from furnishers, or a complete chain of title. 

The continued reporting of these accounts without verification violates federal law, including the FCRA, FDCPA, Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ), and protections under the Uniform Commercial Code 3-501. In addition, the unauthorized hard inquiries violate FCRA 604. 

Supporting evidence is attached, including dispute letters, my credit report with highlighted errors, proof of identity and address, and evidence of prior disputes.

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: NC

Complaint narrative:
There are late payments on this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) which is hurting my credit report badly. I was never late in making payments. Please correct and update the inaccurate information on my credit report.

Company response to consumer: Closed with non-monetary relief
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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-09-23 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: MD

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/XXXX, XXXX called Wells Fargo and spoke with a rep in the rewards department.ive had my card for 8 years and I know the cycle quite well.when the billing cycle closes around the XXXX or XXXX get my 2 % cash back reward on the XXXXthis month on the XXXX, I only received 1 % cash backI wanted to know why.they said I didnt understand the billing cycle and I needed to research the billing cycle on the Wells Fargo website. 

As I mentioned, Ive never had this issue in 8 yearsIve paid off the balance every month in 8 yearsand Id still like to know why they are withholding my 1 % cashback

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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To : XXXX, Experian XXXX not DEBT # XXXX CC ; Equifax, XXXX, FDIC, OCC, CFPB, AG RE : Final Notice of Dispute and Demand for Deletion, due to lack of legal standing to collect, and Identity theft. I have never consented to contract with you. 


To Whom It May Concern, This letter serves as a formal follow-up and final notice concerning my previous disputes related to accounts reported by XXXX XXXX XXXX XXXX I submitted disputes and supporting documentation, including SEC filings, demonstrating that XXXX XXXX XXXX has failed to provide lawful validation or verification of the alleged debts. 

In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to delete or correct information that can not be verified. XXXX XXXX XXXX has failed to respond to my 15 U.S.C. 1681n letter and continues to report inaccurate information to Experian and Equifax. Continued reporting of inaccurate or unverifiable information constitutes willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o.

USC 1681b, 1681c-2 ( 1 ), 1681i ( 7 )

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: 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: CA

Complaint narrative:
I have requested documentation from XXXX XXXX  and Experian regarding the XXXX negative accounts, payment history, balance and account status as they have reflected on my Credit report, and Neither XXXX XXXX  or Experian has provided that information to 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 2025-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD

Complaint narrative:
I had a vehicle loan, it was through capital one, I also had XXXX  XXXX. The vehicle was totaled due to a hail storm in 2023. Not only did the XXXX  XXXX  not cover it, they couldn't agree on amount with Capital One. Now I have debt collection on my record of XXXX. It's ruined my credit amongst other things

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: CA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: COMMERCE BANK
State: AR

Complaint narrative:
Am On Social Security Fix Income. I Was Going To Pay Them {$50.00} A month they Will Not Take It.That All I can Pay. Wanted To By check They Want My Bank Acc.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 four 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 : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXXXXXX XXXX XXXXXXXX - 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 FICO 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, as proof from the US 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
Consumer complaint received 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: PA

Complaint narrative:
I hereby contest the late payment and delinquent status currently reported. Those entries are not accurate, and I request that they be updated to Paid as Agreed and all references to delinquency be erased.

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 status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have just been EQUIFAX credit score damaged by XXXX points Bad due to XXXX Thank You XXXX XXXX  once again! giving this credit bureau the same False information it just gave to XXXX XXXX in my earlier complaint, only now a new party, Equifax. XXXX is adamant in destroying my credit to hide its illegal act against me for reporting them here for giving TransUnion the same exact false information. XXXX has just now!! given a false account/status to Equifax of XXXX non existent account number ending in XXXX. I do not have a XXXX  Thank You XXXX XXXX  account with that status nor number. Here it is right from my credit monitoring service showing my score just Now dropped down by XXXX points from XXXX to XXXX. This again is slander and deformation of character as well as False reporting to credit bureaus. See this following now from Equifax : I do not have an account ending in this false number!!! nor is that status correct. 

Equifax XXXX XXXX XXXX On XX/XX/XXXX Equifax Credit Report XXXX for Refresh on XX/XX/XXXX Your Credit Scores XXXX Generated on : XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX ) Show More Balance {$4500.00} Type CREDIT_CARD Opened XX/XX/XXXX Reported XX/XX/XXXX Account Status No More Than XXXX Payments Late

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: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XX/XX/XXXX I sent by certified mail letters of disputes to all XXXX credit bureaus. On XX/XX/XXXX I received a letter from Equifax stating they weren't able to locate a credit file for me and requested I send in confirmation of my ssn, identity and address. I didnt feel right sending since I had already provided it to Equifax XXXX XX/XX/XXXX XXXX over 30 days ago. I called Equifax today XX/XX/XXXX and verified I do indeed have a credit file however they state they never received my dispute. I questioned why I received the response letter. XXXX XXXX stated she shows no record in their system that they sent out a letter. She stated she believes its still with the mail department and will send a complaint on my behalf and I should receive a response by email. I believe there is some kind of fraud or identity theft going on since they're stating they never got my letter and never sent out a letter. We confirmed I sent my dispute to the correct mailing address. Also the dispute should have been resolved within the 30 days.

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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One will not communicate with me. I have to contact their customer care. On the last call on XXXX XXXX, I was told someone would contact me within ten days. That hasn't happened. XXXX Capital One case # XXXX. 

I want the credit reporting agencies to have this on my file. As of this date, I have XXXX creditors for the same debt.

Company response to consumer: Closed with non-monetary relief