vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am submitting this letter to formally dispute the inaccurate reporting of a bankruptcy on my credit report. After reviewing my records, I obtained an official letter from the court confirming that this bankruptcy should not be reported to any credit bureau. Despite this clear evidence, the information continues to appear on my report, which is both concerning and misleading. The fact that this bankruptcy is still being reported, even after receiving confirmation from the court, represents a serious error that negatively impacts my creditworthiness and overall financial standing. 

Furthermore, it has come to my attention that an unauthorized third party appears to be involved in this matter, which raises additional concerns regarding the accuracy and integrity of the data being reported. I am deeply troubled by how my personal and financial information may have been mishandled or accessed without authorization. This issue deserves immediate attention to ensure my credit file remains accurate and compliant with federal reporting laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: AR

Complaint narrative:
information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company 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 2025-11-20 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:
I have no association with this account, and its being reported incorrectly.

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 2025-11-20 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:
All disputed accounts must be cleared by the deadlines set in law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I respectfully request a goodwill adjustment to remove four late payments reported on my Capital One credit card account for XXXX, XXXX, XXXX, and XX/XX/year>. 

These late payments were the result of a temporary, documented financial hardship, not abuse of credit, not ongoing delinquency, and not a pattern of irresponsibility. 

During that period, I experienced a significant reduction in work hours that caused a sudden drop in income. This hardship was unexpected and temporary, and it directly affected my ability to make my payments by the due date. 

Despite the financial strain, I never abandoned the account, and as soon as my income stabilized : I made the past-due payment I brought the account current I have maintained on-time payments since This situation was an isolated setback in an otherwise consistent payment history. 
These four late payments are having a disproportionate impact on my credit profile and do not reflect my normal financial behavior or my long-term relationship with Capital One.

I take full responsibility for falling behind during my hardship, but I have demonstrated : A strong on-time payment pattern prior to the hardship Consistent on-time payments after the hardship ended Commitment to maintaining this account in good standing I value my relationship with Capital One and have worked diligently to maintain financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: NJ

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report 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 non-monetary relief
Consumer complaint received 2025-11-20 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:
I submitted a dispute with Capital One case/ claim # XXXX regarding charges totaling {$410.00} to a merchant who took my money but never delivered the goods/services. The payments were : XX/XX/year> {$150.00} for XXXX XXXX XXXX and {$60.00} for parts XX/XX/year> {$160.00} for a XXXX XXXX XXXX and {$40.00} for a XXXX XXXX  Despite submitting clear evidence, including screenshots showing the merchant stopped all communication, Capital One denied my claim, stating that all procedures were followed and advising me to resolve the matter with the merchant. 

The merchant took my money and did NOT provide the goods/services. I provided clear screenshot evidence showing that the merchant stopped responding, disappeared, and ran off with my funds. Capital One claims they conducted an investigation, but if they had actually reviewed the evidence I provided, they would have seen the screenshots proving the merchant is unreachable and did not deliver or provide service. 
Under the Truth in Lending Act ( TILA ), Regulation Z, consumers are protected when goods or services are not delivered. Regulation Z requires card issuers to conduct a reasonable investigation and issue a credit when : 1. The consumer did not receive the goods/services, AND 2. The merchant is unreachable or refuses to fix the issue. 

In previous CFPB # XXXX complaint Capital One told me to resolve the matter with the merchant, which is impossible because the merchant has stopped all communication. Capital closed the complaint without providing proper steps of a thorough investigation. 

This shows that Capital One failed to perform the reasonable investigation required by Regulation Z. Simply stating that procedures were followed is not sufficient and does not explain how Capital One verified delivery or reviewed the evidence I submitted. 
Capital One is improperly denying my rights under Regulation Z, and the dispute was closed without a real investigation. 

I am requesting that the CFPB escalate this complaint to the executive level so that Capital One is required to perform a proper investigation providing steps and documentation that were taken in the investigation and honor my protections under the Truth in Lending Act. 

This is my final attempt to resolve this matter through proper channels. If Capital One continues to deny my dispute, I will escalate further, including filing a complaint with the Texas Attorney General for consumer protection. 

I urge the CFPB to intervene and ensure compliance with federal consumer protection law, as Capital One has clearly failed to fulfill its obligations. 

Please see all screenshots of communication which is 27 attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company 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 2025-11-20 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: GA

Complaint narrative:
to report Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not consent to the furnishing or reporting of the following items : XXXX XXXX  TransUnion XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion EQUIFAX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX Experian EQUIFAX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax Despite my lawful request, you have continued collection activities without furnishing the required verification or providing documentation such as a judgment.

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 2025-11-20 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: CA

Complaint narrative:
I am filing this complaint because the furnishing parties and the credit bureau have continued reporting inaccurate, incomplete, and unverifiable information even after multiple disputes. I have suffered ongoing harm, denial of opportunities, and emotional distress. I am requesting the CFPB to conduct a full investigation and ensure compliance with the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and all applicable federal laws. 

ADDRESS XXXX XXXX XXXX XXXX, CA XXXX I have no association with this address, and it was added to my file without any proof, which violates the requirement for maximum accuracy under FCRA 607 ( B ) and proper reinvestigation procedures under FCRA 611 ( A ). No creditor has supplied legally sufficient verification tying me to this location, and therefore it must be removed for failing the verification standard of FCRA 611 ( A ) ( 5 ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} The late payment history you are reporting is inaccurate because I have never made any late payment on this account. FCRA 607 ( B ) requires maximum possible accuracy, and FCRA 611 ( A ) requires reinvestigation with actual proof such as payment records or account-level documentation, which has never been produced. Reporting a false late payment violates my rights and damages my credit standing under FCRA 602 ( A ). This late payment must be corrected immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$25000.00} I have no knowledge of this account, and no furnisher or bureau has provided any documentation showing that I opened, used, or authorized this account. Reporting an account I do not recognize violates FCRA 602 ( A ), 607 ( B ), and 611 ( A ) because nothing has been properly verified according to federal standards. Since the charge-off can not be tied to me with legally required evidence, it must be permanently deleted under FCRA 611 ( A ) ( 5 ).

I request that the CFPB enforce strict compliance, order a full reinvestigation, require deletion or correction of all inaccurate items, and ensure all furnishers provide proper verification. I also request documentation proving each furnisher validated the disputed information. I want all inaccurate addresses, accounts, permanently removed.

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 2025-11-20 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: FL

Complaint narrative:
I am submitting a dispute regarding the following accounts, which I believe contain inaccuracies or incomplete information : Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX  Balance : XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XXXX Balance : XXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : XXXX Inquiries : There are no inquiries reported on Equifax at this time. 

Late Payment : I am disputing the following late payment on my account : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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:
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 2025-11-20 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: MI

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am disputing the bankruptcy showing on my credit report because it is not mine. I have never filed for bankruptcy, and I believe it was reported in error. 

Under the Fair Credit Reporting Act ( FCRA ) Sections 611 and 607 ( b ), credit bureaus must make sure all information is accurate and remove anything that cant be verified. 

XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute the following accounts reported on my credit file by Experian. These accounts are inaccurately reported, and I request that they be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off 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 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 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