vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 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: NY

Complaint narrative:
On XX/XX/year>, I submitted formal disputes to TransUnion, Equifax, and Experian requesting the deletion of a XXXX XXXX XXXX account ( original creditor : XXXX XXXX XXXX XXXX XXXX  : {$1100.00}, partial account number XXXX ) from my credit reports. 

On XX/XX/year>, I sent a certified debt validation request to XXXX XXXX XXXX ( USPS Certified Mail tracking # XXXX ). This request was delivered and signed, but XXXX never responded to me in any way as required under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). 

Despite the absence of validation, TransUnion informed me on XX/XX/year>XXXX  that XXXX simply marked the account as accurate. This is not proper validation and does not meet the requirements of the FDCPA. A simple assertion does not satisfy the law. 

The continued reporting of this account without proper validation is a direct violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681i duty to delete unverifiable information ; 15 U.S.C. 1681s-2 prohibition on furnishing inaccurate information ).

This XXXX account is inaccurate, unverifiable, and unvalidated. Its continued presence on my credit reports is unlawful and damaging to me. 

I request that the CFPB enforce my rights under the FDCPA and FCRA by requiring the immediate deletion of this XXXX account from TransUnion, Equifax, and Experian, and by holding the furnisher and bureaus accountable for their violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: NY

Complaint narrative:
On XX/XX/year>, I submitted formal disputes to TransUnion, Equifax, and Experian requesting the deletion of a XXXX XXXX XXXX account ( original creditor : XXXX XXXX XXXX XXXX XXXX  : {$1100.00}, partial account number XXXX ) from my credit reports. 

On XX/XX/year>, I sent a certified debt validation request to XXXX XXXX XXXX ( USPS Certified Mail tracking # XXXX ). This request was delivered and signed, but XXXX never responded to me in any way as required under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). 

Despite the absence of validation, TransUnion informed me on XX/XX/year>XXXX  that XXXX simply marked the account as accurate. This is not proper validation and does not meet the requirements of the FDCPA. A simple assertion does not satisfy the law. 

The continued reporting of this account without proper validation is a direct violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681i duty to delete unverifiable information ; 15 U.S.C. 1681s-2 prohibition on furnishing inaccurate information ).

This XXXX account is inaccurate, unverifiable, and unvalidated. Its continued presence on my credit reports is unlawful and damaging to me. 

I request that the CFPB enforce my rights under the FDCPA and FCRA by requiring the immediate deletion of this XXXX account from TransUnion, Equifax, and Experian, and by holding the furnisher and bureaus accountable for their violations.

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 2025-08-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In XXXX, my personal information was exposed in the Equifax data breach. Since then, inaccurate and unauthorized collection accounts have appeared on my credit reports. These accounts do not belong to me and are the result of compromised data from that breach. 

I have disputed these accounts directly with Equifax and the collection agencies, but the accounts remain. The reported collection amounts are not valid, and I did not authorize or create these debts.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), consumer reporting agencies must conduct a reasonable reinvestigation of disputed information and delete any item that can not be verified. Continuing to report inaccurate or unverifiable accounts after notice of a dispute is a violation of the FCRA. 

I am requesting immediate investigation and deletion of all reported collection accounts related to this matter. Failure to remove unverifiable and fraudulent information from my credit report would constitute ongoing violations of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: FL

Complaint narrative:
I am writing to demand the immediate deletion of the bankruptcy record associated with case number XXXX, as reported in my credit file. Your report inaccurately states that I was represented by an attorney in this case. According to the official court records available via PACER the public electronic court filing system no attorney is listed as representing me. 
I submitted my dispute on XX/XX/XXXX, and you claim an investigation was conducted. However, the investigation report made available on XX/XX/XXXX, failed to address my specific complaints regarding inaccurate reporting of attorney representation. Additionally, you refused to provide me a copy of the alleged investigation conducted using PACER.gov records. 
This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies maintain reasonable procedures to ensure maximum possible accuracy. 
Federal courts have held that inaccurate reporting that materially misrepresents a consumers credit status requires correction or deletion of the information. See, for example : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Established the necessity of reasonable procedures to avoid inaccuracies. 
XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Held that even partial inaccuracies violate the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Confirmed that inaccurate credit reporting causing harm must be corrected or removed. 
Due to the material inaccuracy of this report, I demand the immediate deletion of this bankruptcy record from all consumer reports and databases. 
Please provide written confirmation of the deletion within 30 days as required by FCRA 1681i.

Please note that I am submitting this dispute on my own behalf ; no business, company, or individual is assisting me with this matter.

Enclosed are : Printout from PACER showing no attorney representation on my case. 
Copy of the disputed credit report. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: NATIONAL DEBT RELIEF LLC
State: FL

Complaint narrative:
In XX/XX/year>XXXX  I hired the services of the company National Debit Relief, with the aim of settingtling a debt with XXXX XXXX  , while still making damaging payments or my credit score, ( XXXX  ) they promised me that everything would be fine, and that late payments would disappear once they started negotiations and reached an agreement, which never happened, and now I have several late payments, I never stopped paying, but they were supposedly responsible for managing my account and that I would have gone away payments to XXXX, so as not to generate late payments, they forced me to stop paying because it was supposedly a government program and worked that way, they said that this line of credit was illegal with extreme interest, they sent a letter to creditors to restrict debits, and because of that I could never make payment arrangements or update my account with XXXX, I tried to close the relief program after a year of making payments, because there were too many late payments accumulated and No solution, but when I tried to update my account, XXXX could not withdraw the scheduled amounts, due to some kind of censorship, and I was forced to rehire the same company to finish paying off that debt. In addition, the account shows incorrect information regarding balance, amounts, payments and this should be accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
My payments are bi-weekly and they Are Not Applying them correctly sense XX/XX/year> I called them numerous times And Requested My Account Payment History & Finally they did email that to me. 
And That is Where I found Their Mistakes & they Refuse to Make this Right

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

UNAUTHORIZED INQUIRIES : XXXX  XXXX XX/XX/year>

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 2025-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I recently opened a XXXX XXXX credit card through Capital One to purchase furniture. However, I never received a billing statementneither by mail nor email. Additionally, the card I received did not have the correct number, making it difficult to access any account information through the Capital One website. 

After multiple attempts to resolve the issue, I contacted Capital One customer service. I was informed that my payment had been due the day before. I immediately paid the full balance while still on the call. The representative I spoke with suggested that, under the circumstances, I would not be charged a late fee. 

Its important to note that I never received any communication regarding the payment due date. My assumption was that statements had not yet been generated, since my furniture hadnt been delivered for over a month after the purchase. I live in a secure, gated community with a locked mailbox, so theres no reason mail should have been undeliverable. 

Despite explaining all of this to Capital One, I was issued a {$200.00} late fee. After reaching out for a resolution, I was only offered a {$50.00} credit. I believe this charge is unfair given that I made the payment as soon as I was made aware of the due date, and that I was never properly notified. 

I am not able to give you a credit card number since I am still waiting on the correct credit card to be delivered. All I know of the credit card number is the last XXXX which is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-16 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: IL

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the XXXX  data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXXXXXX  Balance {$0.00}

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 2025-08-16 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: MD

Complaint narrative:
I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2025-08-16 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: NY

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

Company 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 2025-08-16 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: IL

Complaint narrative:
To Whom It May Concern, I am writing in response to XXXX XXXX XXXX  XXXX reply dated XX/XX/year>, concerning my complaint regarding the XXXX XXXX  and its reporting to the credit bureaus. While the Bank asserts that no error occurred, I respectfully disagree and request that the CFPB continue to review this matter in light of the following concerns : 1. Failure to Conduct a Reasonable Investigation Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to conduct a reasonable investigation of disputes. XXXX XXXX response appears to merely restate its own records without addressing whether the reported information is fair, accurate, complete, and not misleading. Simply confirming the existence of late payments in internal records does not meet the standard of a reasonable investigation. 

2. Accuracy vs. Completeness Even if late payments occurred, the FCRA requires that data furnished must be accurate and complete. Information can be technically accurate yet still misleading or incomplete, which makes it inaccurate under the FCRA. For example, the Bank did not address whether : All reported delinquencies are being reported consistently across all CRAs. 

My account history includes proper notation of disputes, as required by law. 

Contextual factors ( such as system issues, payment posting errors, or notice delivery problems ) may have contributed to the alleged delinquency. 


XXXX. Deficiencies in Documentation Provided The Bank claims to have validated the debt by sending a customer agreement and account statements. However, providing statements is not the same as proving that the tradeline was reported lawfully, fairly, and accurately. The FCRA requires more than producing recordsit requires verification that what was furnished to CRAs was correct and complete. 

XXXX. Notice Failures and Procedural Deficiencies XXXX XXXX asserts that reminders were successfully sent to my email. I never acknowledged receipt of such reminders, and the Bank did not provide proof of actual delivery. Merely sending an email does not constitute adequate notice of potential derogatory credit reporting under the FCRA or ECOA.

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 2025-08-16 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: IL

Complaint narrative:
To Whom It May Concern, I am writing in response to XXXX XXXX XXXX  XXXX reply dated XX/XX/year>, concerning my complaint regarding the XXXX XXXX  and its reporting to the credit bureaus. While the Bank asserts that no error occurred, I respectfully disagree and request that the CFPB continue to review this matter in light of the following concerns : 1. Failure to Conduct a Reasonable Investigation Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to conduct a reasonable investigation of disputes. XXXX XXXX response appears to merely restate its own records without addressing whether the reported information is fair, accurate, complete, and not misleading. Simply confirming the existence of late payments in internal records does not meet the standard of a reasonable investigation.

2. Accuracy vs. Completeness Even if late payments occurred, the FCRA requires that data furnished must be accurate and complete. Information can be technically accurate yet still misleading or incomplete, which makes it inaccurate under the FCRA. For example, the Bank did not address whether : All reported delinquencies are being reported consistently across all CRAs. 

My account history includes proper notation of disputes, as required by law. 

Contextual factors ( such as system issues, payment posting errors, or notice delivery problems ) may have contributed to the alleged delinquency. 


XXXX. Deficiencies in Documentation Provided The Bank claims to have validated the debt by sending a customer agreement and account statements. However, providing statements is not the same as proving that the tradeline was reported lawfully, fairly, and accurately. The FCRA requires more than producing recordsit requires verification that what was furnished to CRAs was correct and complete. 

4. Notice Failures and Procedural Deficiencies XXXX XXXX asserts that reminders were successfully sent to my email. I never acknowledged receipt of such reminders, and the Bank did not provide proof of actual delivery. Merely sending an email does not constitute adequate notice of potential derogatory credit reporting under the FCRA or ECOA.

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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting a formal request for a security freeze to be placed on my consumer file, as provided under 15 U.S. Code 1681c-1 of the Fair Credit Reporting Act ( FCRA ). Under federal law, once a consumer reporting agency receives a valid request along with proper identification, it is legally obligated to place the security freeze within one business day for requests made online or by telephone, and within three business days for requests made by mail. This request is being submitted electronically via the CFPB portal, which qualifies as an online submission directly received by your agency. Accordingly, your statutory obligation is to complete the freeze within one business day of receipt. I have attached my signed request letter and all standard forms of identity verification, including a government-issued ID and proof of address. These documents are sufficient and meet industry standards. I am utilizing the CFPB portal intentionally, to establish a clear, time-stamped, and verifiable record of delivery and agency response. In light of ongoing litigation and regulatory scrutiny involving consumer reporting agencies ' failure to fulfill statutory duties, this submission route serves as a preemptive safeguard against noncompliance. It also eliminates the possibility of lost requests, manufactured delays, or unsubstantiated procedural hurdles. I expect this request to be completed within the timeframe mandated by law, with a formal confirmation and issuance of any required PIN or reference number. Any attempt to delay, ignore, or complicate this process will be treated as a failure to comply with federal law. Be advised that noncompliance is enforceable under 15 U.S. Code 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ), and may expose your agency to civil liability, actual and punitive damages, and attorneys fees.

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