vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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: NH

Complaint narrative:
This letter serves as a formal follow-up to my initial dispute XXXX regarding inaccurate information being reported on my consumer credit report by Equifax, XXXX, and XXXX  for XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). I am now invoking my rights under FCRA 611 ( 15 U.S.C. 1681i ), which mandates that consumer reporting agencies reinvestigate disputed information and provide a detailed description of the procedure used to determine the accuracy and completeness of the disputed items. Since your previous response returned the account as verified, I am now requesting the specific method of verification used to reach that conclusion, including the name and contact information of the furnisher, and the original source of the data used to verify the accuracy of the delinquency status reported. If you are unable to provide this information, or if the furnisher can not produce documented evidence bearing my original wet signature authorizing the reporting of such information, then per the FCRA, all contested items in my original dispute must be permanently deleted from the credit report you maintain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
It all started in XXXX of XXXX when we were invited to a XXXX presentation. Little did we know that this would turn into a nightmare. Representatives from XXXX Destinations pressured us into purchasing timeshares, going as far as taking one of our credit cards and ID to prevent us from leavingessentially holding XXXX XXXX until we agreed to buy. After hours of XXXX, we reluctantly gave in. 

The following year, we discovered that the number of points associated with the timeshares we purchased was insufficient for a vacation, and they attempted to upsell us further. When we expressed our desire to exit the timeshare agreement, they offered no assistance. We even hired a lawyer to help us exit in XX/XX/XXXX, but that turned out to be a scam as well. 

By XXXX, realizing the lawyer was unresponsive, we decided to try to exit the timeshare directly with XXXX once again. They requested a statement indicating that we were no longer represented by the lawyer, which we provided on XX/XX/XXXX. Since then, we have attempted to follow up multiple times through phone calls and emails, with timestamps on our emails being XX/XX/XXXX, and XX/XX/XXXX. 

Each time we called for help, we were transferred from one department to another without resolution. They repeatedly assured us that someone would call us back, but that call never came. We even received a Certified Exit Case # XXXX from XXXX, where they claimed the issue had already been addressed, yet nothing was done. We continued to be charged, and the situation persisted. 

After years of back and forth, we gave up in XX/XX/XXXX. We stopped making payments, hoping XXXX would reach out to find a solution, but they never did. Now, they are impacting our credit scores despite our efforts over the past five years to communicate with them and exit the timeshares they pressured us into purchasing. We do not have the funds to pay for something we can not even use ; we have not utilized this timeshare even once.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-07-01 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Subject : Formal Dispute & Immediate Deletion Demand FCRA Violations Re : CAPITAL ONE Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reporting Creditor : Capital One * * Dear All three credit Bureau Disputes Department, This is a formal dispute under my rights afforded by the Fair Credit Reporting Act ( FCRA ). I am demanding an immediate investigation and correction or permanent deletion of the above-referenced tradeline based on numerous material violations outlined below.

Inaccuracies and Legal Violations The account status is inconsistent and misleading. You report it both as Derogatory and Paid and include outdated or inaccurate notations such as : Unpaid balance reported as a loss Account legally paid in full for less than the full balance Settlement accepted These entries are factually inconsistent and materially misrepresent the accounts closure and payment status.

There are discrepancies in critical dates : Date Last Active is different across bureaus ( XX/XX/XXXX vs XX/XX/XXXX vs XX/XX/XXXX ). 

Date of Last Payment is also contradictory. 

XXXX payment history reports 24 months of CO ( charge-off ) status, despite a {$0.00} balance and Paid reporting. This implies repeated charge-offs, which is inaccurate and legally impermissible under : 15 U.S.C. 1681e ( b ) Failure to assure maximum possible accuracy.

15 U.S.C. 1681s-2 ( b ) Furnishers must correct data when found to be inaccurate or disputed.

This tradeline contains outdated and misleading remarks that are damaging to my credit profile and are unverifiable, inconsistent, and incomplete in violation of : 15 U.S.C. 1681i ( a ) ( 5 ) : You must remove or correct inaccurate or unverifiable data.

15 U.S.C. 1681c : Obsolete data must be excluded from reporting.

DEMAND FOR RESOLUTION Given the multitude of errors and legal noncompliance, I am formally demanding the permanent deletion of this tradeline from my credit file across all three credit bureaus. If it can not be fully and properly verified within 30 days, per FCRA regulations, it must be removed immediately.

Failure to comply will result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuit of legal remedies under 15 U.S.C. 1681n and 1681o for willful and negligent violations.

Please provide a complete written response including results of your reinvestigation, the method of verification used, and an updated copy of my credit report once your reinvestigation is complete. 

Sincerely, XXXX XXXX DOB : XX/XX/XXXX SSN ( last 4 ) : XXXX Email ( optional ) : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: MO

Complaint narrative:
I am disputing a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-01 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: FL

Complaint narrative:
I submitted a CFPB complaint against TransUnion on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXegarding their mishandling of an unverified collection account from XXXX XXXX XXXX. XXXX later, I discovered that my longstanding TransUnion account ( established in XXXX ) had been deactivated without notice. 

I called TransUnion immediately. The first customer service agent confirmed the deactivation and advised me to create a new account. I did so and received confirmation of the new account at XXXX XXXX. A second agent later informed me that the account deactivation occurred in a time zone that differs from my own, and apologized because she admitted it appeared to be internally deactivated and told me that this should have never happened, and she felt bad for me. 

Despite this, TransUnion later submitted a false response to my original CFPB complaint, claiming my account was never deactivated. However, my original account was deleted and replaced with a new login that now only shows a single dispute from XX/XX/XXXX. All prior dispute records dating back to XX/XX/XXXX, regarding the XXXX XXXX XXXX are missing. 

I have documentation of all these events, including certified mail, screenshots, emails, and customer service call notes. The deletion of my account appears retaliatory, coinciding precisely with my filing of a federal complaint. This raises serious concerns of obstruction and consumer rights violations under the Fair Credit Reporting Act. 

Additionally, TransUnion has repeatedly failed to remove the fraudulent collection account from XXXX XXXX XXXX, despite my numerous disputes and XXXX XXXX XXXX failure to validate or verify the debt.

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 2025-06-30 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: CA

Complaint narrative:
Jefferson capital stated I opened an account in 2023 with them and have not provided information I requested of proof of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: TX

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2025-07-01 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: MO

Complaint narrative:
I am a victim of identity theft, and my credit report contains inaccurate and fraudulent information that I did not authorize. I discovered these issue 's about earlier this month. The accounts are listed as follows ( CREDITOR ) ( DATE OPENED ) ( FRAUDUELNT CHARGES ). DEPT OF EDXXXX XX/XX/XXXX {$3000.00}. DEPT OF EDXXXX XX/XX/XXXX {$4000.00}. DEPT OF EDXXXX XX/XX/XXXX {$2300.00}. DEPT OF EDXXXX XX/XX/XXXX {$6000.00}. DEPT OF EDXXXX XX/XX/XXXX {$2300.00}.

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 2025-07-01 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: MO

Complaint narrative:
I am a victim of identity theft, and my credit report contains inaccurate and fraudulent information that I did not authorize. I discovered these issue 's about earlier this month. The accounts are listed as follows ( CREDITOR ) ( DATE OPENED ) ( FRAUDUELNT CHARGES ). DEPT OF EDXXXX XX/XX/XXXX {$3000.00}. DEPT OF EDXXXX XX/XX/XXXX {$4000.00}. DEPT OF EDXXXX XX/XX/XXXX {$2300.00}. DEPT OF EDXXXX XX/XX/XXXX {$6000.00}. DEPT OF EDXXXX XX/XX/XXXX {$2300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: NH

Complaint narrative:
This letter serves as a formal follow-up to my initial dispute XXXX regarding inaccurate information being reported on my consumer credit report by XXXX TransUnion, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am now invoking my rights under FCRA 611 ( 15 U.S.C. 1681i ), which mandates that consumer reporting agencies reinvestigate disputed information and provide a detailed description of the procedure used to determine the accuracy and completeness of the disputed items. Since your previous response returned the account as verified, I am now requesting the specific method of verification used to reach that conclusion, including the name and contact information of the furnisher, and the original source of the data used to verify the accuracy of the delinquency status reported. If you are unable to provide this information, or if the furnisher can not produce documented evidence bearing my original wet signature authorizing the reporting of such information, then per the FCRA, all contested items in my original dispute must be permanently deleted from the credit report you maintain.

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 2025-06-30 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:
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 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 2025-06-30 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: TX

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
XX/XX/year> check for XXXX deposit cleared then they buy hold after I sent XXXX on Bill . My account overdrawn. I'm left with no money for five days.

Company response to consumer: Closed with explanation