vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing this complaint against Equifax Information Services, LLC for failing to comply with their obligations under the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX et seq.. 

I submitted a formal dispute to Equifax, providing clear documentation and valid identification to prove that certain accounts and entries on my credit report are inaccurate, fraudulent, and do not belong to me. Despite supplying sufficient evidence, Equifax has failed to update or remove the disputed information. It has now been more than 30 days, and no resolution has been provided. 

This lack of response is a direct violation of FCRA XXXXi, which requires credit reporting agencies to conduct a reasonable reinvestigation within 30 days of receiving a consumer dispute. Equifaxs inaction constitutes both negligent and willful noncompliance under FCRA XXXXn and XXXXo, causing continued damage to my credit profile and financial well-being. 
The Accounts In Question Are XXXX and XXXXXXXX XXXX which are fraudulent accounts that I have no Knowledge Of, These accounts were opened before I aged XXXX Years Of Age

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Subject : Request for Removal of Inaccurate Information from Credit Report Dear CFPB Representative, I recently conducted a review of my credit report and identified several items that I believe to be inaccurate. 

Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports.

Furthermore, pursuant to 15 U.S. Code 1681i ( 5 ) ( A ), if any item of information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable during reinvestigation, the consumer reporting agency must promptly delete or appropriately modify the information and notify the furnisher of the change. 

In accordance with these provisions, I am formally requesting the immediate removal or correction of the following inaccurate items from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX confirm receipt of this request and let me know in writing of the outcome of your investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XX/XX/year> Last ( XXXX ) Social- 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 2025-05-04 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: NC

Complaint narrative:
Subject : Request for Removal of Inaccurate Information from Credit Report Dear CFPB Representative, I recently conducted a review of my credit report and identified several items that I believe to be inaccurate. 

Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports.

Furthermore, pursuant to 15 U.S. Code 1681i ( 5 ) ( A ), if any item of information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable during reinvestigation, the consumer reporting agency must promptly delete or appropriately modify the information and notify the furnisher of the change. 

In accordance with these provisions, I am formally requesting the immediate removal or correction of the following inaccurate items from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX confirm receipt of this request and let me know in writing of the outcome of your investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XX/XX/year> Last ( XXXX ) Social- XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: DE

Complaint narrative:
I am a victim of a XXXX XXXX and XXXX XXXX. Kindly, block and delete the account ( s ) within XXXX business days as required by FCRA 605B, 15 U.S.C 1681c-2. Please find the attached FTC report and other relevant documents.

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 2025-05-04 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: IL

Complaint narrative:
Re : Dispute of Inaccurate Reporting Account Dear XXXX XXXX Department, I am writing to dispute the accuracy and completeness of information you have furnished to the credit reporting agencies regarding my account referenced above. Upon reviewing my credit reports from XXXX XXXX and TransUnion, I have identified the following inconsistencies and inaccuracies : Inaccuracy As Reported Correct Information Account Type Reported as by XXXX  XXXX TransUnion ; Installment by XXXX  This was a closed auto loan installment account. 

Delinquency Date Reported First missed payment is different across all three credit agencies Account Closing Date different across all three agencies Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s 2 ( a ) & ( b ), furnishers of information must report only accurate and complete data and must investigate and correct or delete any information once they receive notice of a dispute. Accordingly, I request that you : XXXX. XXXX a thorough reinvestigation of my XXXX account. 

promptly delete the erroneous entries from all credit reporting agencies. 

XXXX. Provide me with written confirmation of your findings, the steps taken to correct ( or remove ) the information, and the dates on which you notified XXXX XXXX and TransUnion of these corrections. 



Please complete your reinvestigation within the XXXX day period mandated by the FCRA and furnish me with a written response. A Thank you for your prompt attention to this matter. 



Sincerely, 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 2025-05-04 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: IL

Complaint narrative:
Re : Dispute of Inaccurate Reporting Account Dear XXXX XXXX Department, I am writing to dispute the accuracy and completeness of information you have furnished to the credit reporting agencies regarding my account referenced above. Upon reviewing my credit reports from XXXX, Equifax, and XXXX, I have identified the following inconsistencies and inaccuracies : Inaccuracy As Reported Correct Information Account Type Reported as by XXXX XXXX XXXX ; Installment by Equifax This was a closed auto loan installment account. 

Delinquency Date Reported First missed payment is different across all three credit agencies Account Closing Date different across all three agencies Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s 2 ( a ) & ( b ), furnishers of information must report only accurate and complete data and must investigate and correct or delete any information once they receive notice of a dispute. Accordingly, I request that you : XXXX. XXXX a thorough reinvestigation of my XXXX account. 

promptly delete the erroneous entries from all credit reporting agencies. 

XXXX. Provide me with written confirmation of your findings, the steps taken to correct ( or remove ) the information, and the dates on which you notified XXXX, Equifax, and XXXX of these corrections. 



Please complete your reinvestigation within the XXXX  day period mandated by the FCRA and furnish me with a written response. A Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Filing a Complaint Against XXXX XXXX XXXX XXXX for Unauthorized Advertising of Inaccurate Information Without Consent I, [ XXXX : XXXX ] , am filing this formal complaint against the credit reporting agenciesXXXX XXXX XXXX XXXXdue to the unauthorized and inaccurate reporting of accounts on my credit report that do not belong to me. These accounts were included without my consent or knowledge, and I have reason to believe this is either a clerical error or fraudulent activity. Despite my repeated attempts to resolve this issue, including filing formal complaints over the past XXXX months, I have not received a satisfactory response or resolution. The presence of these inaccurate accounts is causing undue stress and potential damage to my financial reputation.The credit reporting agencies have been using my personal data without my written consent, in violation of * * XXXX U.S.C. XXXX ( b ) * *, which mandates that furnishers of information ( including credit reporting agencies ) must investigate disputes and correct inaccurate information upon notice. These agencies have failed to fulfill this obligation, continuing to report erroneous data that could negatively impact my creditworthiness and financial standing. 

As a result, I am formally requesting an investigation into this matter. This may involve potential fraud or a failure to properly protect consumer rights under the Fair Credit Reporting Act ( FCRA ). Due to the agencies failure to resolve my complaints in a timely manner, I am also preparing to pursue legal action, including filing charges and initiating a small claims court case.The inaccurate accounts appearing on my credit report do not belong to me, nor have I ever authorized or opened any of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: IL

Complaint narrative:
In XXXX, during my return flight with XXXX XXXX, the airline lost my luggage, which was never found. Despite filing a claim and numerous follow-ups with the airline, I was not compensated for the lost luggage, nor were the incurred costs or the ruined vacation taken into consideration. The lost luggage and lack of resolution led to a significant disruption to my travel, including expenses for replacement items and additional inconveniences. 

Due to XXXX XXXX XXXX failure to address the lost luggage issue and provide proper compensation, I disputed the charge for the flight ticket itself. XXXX XXXX approved my chargeback request, recognizing that the services I paid for were not rendered as promised by the airline, given the lost luggage and the overall poor service. However, despite this, XXXX XXXX has continued to pursue debt collection for the ticket cost, even though the chargeback was approved. 

I have also disputed this debt with XXXX, but they refused to take any action to assist me in resolving this matter. They did not help address the issue, despite the clear circumstances surrounding the chargeback and the airline 's failure to meet their obligations. 

Additionally, the collection agency involved, Cedars, has engaged in predatory practices and manipulation throughout the process. They have used aggressive and unethical tactics to coerce payment, despite the ongoing dispute with XXXX XXXX and the chargeback approval from XXXX XXXX. This situation has caused unnecessary financial and emotional strain. 

I am requesting the CFPBs assistance in investigating these debt collection attempts and the unethical practices employed by Cedars. I believe I should not be held liable for the ticket cost when the airline failed to fulfill its obligations, and I would like to resolve this matter fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: MI

Complaint narrative:
I recently ordered my consumer credit reports, and upon review I uncovered some inconsistency of late payment being reported on an account that I have always maintained the payment in a timely current manner according to the contract. I understand that Consumer Reporting Agencies play a vital role in reporting consumer information accurately. I have never missed a payment on the following account { XXXX XXXX Bank } account number { XXXX XXXX XXXX XXXX XXXX  } I am requesting a complete investigation into the discrepancy, and require that you to provide evidence such as statements demonstrating the lateness of this payment. If such proof is unable to be furnished, I humbly request that this payment be updated to reflect paid on time as agreed, as I have consistently upheld my payment agreement without delay or lateness.

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 2025-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Subject : Dispute of Unauthorized Transactions Request for Reinvestigation To : Capital One and the Consumer Financial Protection Bureau Claim Number : XXXX Dear Sir or Madam, My name is XXXX XXXX, and I am writing to formally dispute several unauthorized transactions made on my Capital One debit card. I was the victim of a security breach that occurred on or around XX/XX/year>, during which unauthorized individuals accessed my XXXX account. I had stored images of my debit card in my photo library, which appears to have been compromised. I also have reason to believe my text messages were accessed and tampered with. 



Following the breach, the following unauthorized transactions appeared on my account : XX/XX/year> XXXX {$570.00} XX/XX/year> XXXX {$110.00} XX/XX/year> XXXX {$10.00} XX/XX/year> XXXX {$32.00} XX/XX/year> XXXX  {$89.00} XXXX became aware of this fraudulent activity only after reviewing my bank statements, at which point I immediately contacted Capital One to report the issue. However, on XX/XX/year>, I received a letter stating that my claim had been denied due to alleged authorization/participation in the transaction activity. 



I strongly contest this finding. I was not involved in these transactions, and I have received no documentation or explanation detailing how this decision was reached. There is no evidence that ties me to these purchases, nor was I provided an opportunity to submit supporting evidence or context before the denial. 



Under the Fair Credit Billing Act ( XXXX ), I am formally requesting all documentation, records, and internal notes Capital One relied upon in reaching this decision. I also request that this case be reopened and reinvestigated in light of the evidence I can provide regarding the unauthorized nature of these charges. 



Given the serious nature of this incident and the lack of transparency in the decision-making process, I respectfully request that this matter be promptly reviewed. I am prepared to provide further documentation, including evidence of the XXXX breach and proof that these transactions were not made or authorized by me. 



Thank you for your time and attention to this matter. 



Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: IN

Complaint narrative:
THE COLLECTION AGENCY CREDIT BUREAU SYSTEMS SUBMISSION OF A MEDICAL BILL I AM NOT RESPONSIBLE FOR AT THIS PRESENT TIME. I HAVE SUBMITTED CEASE AND DESIST LETTERS IN XXXX XXXX XXXX. THE AMOUNT IS {$920.00}. XXXX XXXX I DO NOT OWE THIS AMOUNT. THEY HAVE DISREGARDED MY CEASE AND DESIST LETTERS AND ALSO THIS IS AN ALLEGED MEDICAL DEBT THAT CAN NOT BE REPORTED ON THE CREDIT REPORT OF XX/XX/XXXXAND XX/XX/XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: WI

Complaint narrative:
EXPERIAN FOR XXXX IS REPORTING INCORRECT INFORMATION FOR MY XXXX XXXX CREDIT CARD ACCOUNT!!! I AM SICK OF THEM MESSING UP MY CREDIT SCORE & REPORT! I HAVE DISPUTED XXXX  TIMES & CALLED THEM NUMEROUS TIMES, ABOUT THIS ERROR THAT CAN BE EASILY FIXED! I HAD THIS ACCOUNT FOR XXXX  YEARS & NEVER DID EXPERIAN MAKE THS ERA. THE ACCOUNT IS REPORTING IN A SEPARATE AREA OF MY CREDIT REPORT NOT WITH MY OTHER OPEN ACTIVE ACCOUNTS, ITS SHOWING OPEN BUT PAID OFF & NO OTHER INFO. NO PAYMENT HISTORY, NO BALANCE, NO CREDIT LIMIT, NOTHING, BUT ITS SAYS OPEN & PAID OFF. I HAVE A {$25000.00} CREDIT LIMIT & A BALANCE OF {$120.00} WHY ARE THEY DOING THIS TO ME?? ITS LIKE ON PURPOSE, WHEN THEY KNOW IM IN THE PROCESS OF BUYING A NEW HOME!!! I WAS TOLD IT WOULD BE CORRECTED A MONTH AGO!!! THEN I CHECKED IT YESTERDAY & IT WAS BUT THEY DIDN'T GIVE ME MY XXXX POINTS BACK, BCZ WHEN THEY REPORTED IT, IT WAS REPORTED LIKE IT WAS CLOSED & I LOST XXXX POINTS!!!! NOW I CHECKED TODAY & ITS BACK REPORTED WRONG!! I AM SEEKING LEGAL ADVISE, EXPERIAN IS HOLDING ME UP FROM GETTING MY NEW HOME!!!! HOW CAN YOU REPORT A POSITIVE, OPEN ACCOUNT, NEVER LATE & HIGH CREDIT AMOUNT, INCORRECTLY, SHOWING NOTHING BUT ITS PAID OFF NO XXXX DATA BUT THE NAME, XXXX XXXX & THE DAY IT WAS OPENED! ITS SICK, THEY ALLOWTHESE AI MACHINES TO DO HUMAN WORK! & NOW I HAVE TO TAKE IT PERSONAL. BCZ ITS SIMPLE TO FIX! THEY ARE PURPOSELY TRYING TO HOLD ME BACK & I'M NEVER GOING SPEND A PENNY ON ANY OF THEIR MEMBERSHIP AGAIN!! EXPERIAN PLEASE FIX MY CREDIT REPORT HOW IT IS SUPPOSE BE ACCURATELY! YOU ARE BREAKING THE XXXX & VIOLATING MY RIGHTS!! & THIS TIME I AM SEEKING LEGAL COUNSEL TO SUE. YOU ARE STOPPING ME FROM BUYING MY HOME!! I WORK TOOOOOOOO HARD TO HAVE A GOOD CREDIT SCORE & YOU ARE MESSING UP BEST ACCOUNT!!! I NEED THAT ACCOUNT SHOWING ACCURATE, THAT IS MY BIGGEST CREDIT CARD LIMIT, I NEED IT SHOW CORRECTLY ON MY REPORT, WHEN I APPLY FOR A HOME!!! THIS IS THE LAST TIME I REQUEST FOR MY RIGHTS TO STOP BEING VIOLATED & CORRECT THIS MATTER IMMEDIATELY!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: GA

Complaint narrative:
To Whom It May Concern : I am filing this formal complaint against Experian for its ongoing violation of the Fair Credit Reporting Act ( FCRA ) concerning the continued reporting of an inaccurate and derogatory account from XXXX XXXX XXXX Account ending in XXXX ). 

In XX/XX/year>, I submitted a formal dispute to Experian requesting investigation and removal of this account, which is inaccurate and should not be associated with my credit profile. Despite my proper filing and submission of documentation, Experian verified the account and continues to report it as a charge-off. 

However, both XXXX XXXX XXXX have since removed this same account from my credit file, indicating either that the account could not be verified or was reported in error. Experian 's failure to conduct a reasonable reinvestigation and its ongoing reporting of inaccurate data violates : * * * FCRA 611 ( 15 U.S. Code 1681i ) * * Failure to conduct reasonable reinvestigation of disputed information. 
* * * FCRA 607 ( b ) ( 15 U.S. Code 1681e ( b ) ) * * Failure to maintain maximum possible accuracy of the information in my credit file. 

Experian 's failure to remove this unverifiable and inaccurate item is damaging my credit reputation and causing undue harm. I am requesting that the CFPB investigate this matter and compel Experian to delete the erroneous XXXX XXXX account from my credit file. 

I have attached relevant supporting documentation, including my dispute history and current credit report extracts showing the discrepancy among the XXXX credit bureaus. 

Thank you for your attention to this matter. I look forward to your assistance in ensuring this violation is addressed and corrected promptly. 

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