vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: WA

Complaint narrative:
I am disputing inaccurate and unauthorized information appearing on my TransUnion credit report.

Accounts in Dispute XXXX XXXX( Account # XXXX ) Charged Off dated XX/XX/XXXX for {$4900.00}. 

I dispute the accuracy and request validation of this account. Please remove or correct any unverifiable information. 

Unauthorized or Questionable Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These inquiries appear without my consent. Please provide proof of authorization or remove them. 

Positive Accounts ( For Reference Only ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: TX

Complaint narrative:
On XX/XX/year>, I filed a dispute with the 3 major credit bureaus. I am filing a complaint against all three major credit reporting bureaus ( XXXX, XXXX, and XXXX  ) for refusing to verify or remove incorrect information from my credit reports despite my formal disputes. Under 15 U.S.C. 1681i ) I have the right to dispute inaccurate information. I have the right to dispute incomplete or inaccurate information on my credit reports. Credit reporting agencies must investigate my dispute promptly and fully. Any information that is inaccurate, incomplete, or can not be verified must be corrected or deleted immediately. Also, under 15 U.S.C. 1681b - Permissible Credit bureaus must limit furnishing consumer reports ONLY to the purposes listed under this law. This means credit bureaus can ONLY share your information for specific, legally permitted purposes, such as credit transactions I initiate, employment purposes ( with my consent ), and insurance purposes ( with my consent ).

Also, Medical bills and debt cards i used to pay my medical bills and prescriptions and doctor with are now banned from credit reports and credit scores sent to lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

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 2025-11-18 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: FL

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 explanation
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
The elimination of disputed accounts shall take place within the periods established by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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 am filing a complaint about Experians inaccurate and unverifiable credit reporting. The following items are in dispute as they either do not belong to me, are outdated, or are incorrectly reported. 

Charged-Off Accounts in Dispute : XXXX  ( XXXX, XXXX, XXXX ) Should be aged off ; last activity from XXXX. 

XXXX XXXX ( XXXX, XXXX ) Discrepancies in balance and reporting date. 

XXXX ( XXXX ) Incorrect charge-off status. 

XXXX ( XXXX ) Wrong date of last activity. 

XXXX ( XXXX ) Inaccurate balance reporting. 

XXXX XXXX XXXX ( XXXX ) Unverified collection entry. 

XXXX XXXX XXXX ( XXXX ) Debt appears outdated and unverifiable. 

Additional inaccurate accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX ( two accounts ), XXXX XXXX. 

Inquiries in Dispute : Multiple inquiries including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX  I did not authorize some of these hard inquiries. 

Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX Late payments inaccurately reported ; many have been paid or settled.

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 2025-11-18 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: GA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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 am writing to formally dispute the following account on my Equifax credit report. I respectfully request that Equifax thoroughly review the listed account, as the information may not be accurate or complete in accordance with the Fair Credit Reporting Act ( FCRA ). If this account can not be fully verified or is inaccurate, I request that it be removed from my credit report entirely. 


Charged Off Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A collection account is being reported on my credit report without proper validation or proof that I owe the alleged debt. I never received documentation or a notice of validation from the collection agency. Despite disputing the account, it remains on my file in violation of my rights under the Fair Credit Reporting Act ( FCRA ).

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 2025-11-18 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: MI

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: PA

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 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 2025-11-18 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: PA

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 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 2025-11-18 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-11-18 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: NC

Complaint narrative:
Dear Sir/Madam, I am writing to dispute several items on my Equifax credit report. These items are either inaccurate or incomplete, and I am requesting their immediate investigation and removal from my credit file. 

Charged Off Accounts : XXXX  XXXX, XXXX, Date Open : XX/XX/XXXX, Balance : {$280.00} Inquiries : XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX Late Payments : XXXX XXXX XXXXXXXX, Account Number : XXXX XXXXXXXX XXXX XXXXXXXX, Account Number : XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
There's too many dates and times I spoke with the fraud department at Capitol one. So many times that I can't even count them. I was the one that let them know that the banking side was not me. I also let no my credit card side that the XXXX  XXXX bank was not me. That that's actually the account of the guy that stole all my money from XXXX XXXX XXXX XXXX, and they still accepted a payment from XXXX bank, which was attached to my credit card right on the app. And they accepted that payment when I told them, that wasn't me, then they made the app. Disappear from my credit card. But then it reappeared again, and then it was On automated payments, and I told them that wasn't me capital. XXXX is the one that committed the fraud, not me. And these people with the XXXX  XXXX bank, they're the ones that have all my money from XXXX XXXX XXXX XXXX. The lady XXXX XXXX XXXX  and XXXX number XXXX, she's the one that disrespected me and tried to make fun of me and was psychostic, when I was trying to explain what was going on, she's supposed to be a XXXX from the fraud. Department, and I started cussing her out and XXXX and XXXX, and every language I can think of I snapped. I'm tired of the disrespect from Capital One. They sent me a check for XXXX. Then, they were gon na send me a check for a XXXX. Something dollars? And all of a sudden, it appeared on the app that XXXX owe them money now. And I tried to explain this to her which I was transferred three different times just to get to her, and all she did was start being. Sarcastic, with me and repeating what I was saying. And I flipped out and cussed her out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One sent me a letter on XXXX XXXX wanting to do an identify verification. I called them on XX/XX/XXXX to ensure this letter was from them and not someone trying to scam me as they wanted identity documentation ( i.e., license, social security number etc. ). On the phone that day, they said to send in a copy of my license and my social security number. I went to the United State Postal Service and got tracking on my document to make sure these documents arrived before the XXXX of XXXX as that was their deadline by which to receive the documents. They got there on the XXXX. Then, I called again on XX/XX/XXXX as they had restricted my account without notifying me or telling me what they needed from me, and by this point they already had the documents they needed from me. The agent on the phone that day, after pushing to talk to a supervisor, told me I needed to resubmit the documents because I did not provide the back of my license which is what they would need. I called again on XX/XX/XXXX to ensure that I was going to send everything they needed and to make sure that I had the appropriate notes on my cover letter to Capital One around why I was re-sending the documentation. The agent that day told me that there was no point in re-sending my documents and told me that I would just have to wait on the team to review those documents. However, the supervisor on the XXXX told me my documents had already been reviewed and that I needed to send this new information to get my case " reopened ''. The supervisor/fraud agent on the XXXX said there was no point in doing this. Thus, at this point, Capital One has restricted my account and continues to tell me I can't talk to the team doing the identity verification, but I have no idea how to get my identity verified because they continue to tell me different information every time I call. I don't know if there is a problem with my license which I had asked the agent on the XX/XX/XXXX call to ensure that my license needing renewed in XXXX would not be a problem, the agent on the XXXX said it was because they didn't have a photo of the back of my license which I didn't consider sending because I thought it was the front they needed, and then me and my partner are also wondering if it because my current version of my license is " Not FOR federal ID '' and we are wondering if maybe I should send in my passport instead. However, Capital One has not connected me with the team that is doing my identify verification to figure out how to resolve this issue, and they said if I don't communicate with them by XXXX, they shut the card down. Well now I am worried they are going to shut the card down anyway because I can't get any answers or in contact with the people doing the identify verification to figure out what to give them to keep the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: MA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-11-18 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:
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