vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 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: IL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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:
I kindly request the removal of the late payment and an update to my account to reflect an accurate and positive payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: AR

Complaint narrative:
I kindly request the removal of the late payment and an update to my account to reflect an accurate and positive payment history.

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 2025-12-22 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-22 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: NY

Complaint narrative:
Experian completed an investigation into my dispute and concluded the information was verified. However, no signed authorization, agreement, or consumer-executed document was produced to substantiate the reporting. 

The core issue raised in my dispute was not addressed. Experian relied on furnisher assertions rather than documentary verification, despite the dispute specifically challenging whether any authorization exists at all. 

Experian has an independent duty under the Fair Credit Reporting Act to ensure that information is accurate and verifiable. A conclusion of verified without evidence does not satisfy this duty. 

If the authorization Experian claims exists were real, it would have been produced. Its absence confirms that the tradeline is unverifiable and should not be reported.

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 2025-12-22 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: MO

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TD RETAIL CARD SERVICES XX/XX/year> 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 explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: DailyPay, Inc
State: IN

Complaint narrative:
XX/XX/XXXX a transaction of multiple {$10.00} transactions took place but the details of the transaction said CASH APP * XXXX XXXX, XXXX, XXXX, so i made a police report in California & a dispute with XXXX the problem was solved in a week. 
Fowarding to XX/XX/XXXX As im saving my check I wake up & see my card unlocked and {$370.00} was added to XXXX pay while I was sleeping. then as the morning goes on i get paid {$64.00} from my last shift which he transferred out too, now I use apple pay but provided proof of not receiving or making the transaction. but i filed a dispute they gave me provisional credit till i called found out i was denied then i got paid the XXXX as im at my other job he buys this moonpay crypto with my money ( {$120.00} ) because i forgot to transfer it out. forgot to mention i havent closed the account yet so ive been transferring my money before he does. AND I CANT DO ANYTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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 formally disputing the following inquiries reporting on my credit file : XXXX XXXX XXXX - XX/XX/year> This dispute is not an identity theft claim. 
This dispute is based on lack of permissible purpose, governed by the following federal statutes : 1. FCRA 604 Permissible Purpose Required 2. FCRA 607 ( b ) CRA Must Maintain Reasonable Procedures 3. FCRA 611 ( a ) CRA Must Conduct a Proper Reinvestigation 4. FCRA 609 ( a ) ( 1 ) CRA Must Provide Full Consumer File Disclosure Under these sections, I am requesting : 1. The specific permissible purpose used to access my credit file 2. Documentation showing I initiated the transaction 3. Any signed authorization or consent 4. All internal records, data, codes, notes, and metadata related to each inquiry, as required under 609 ( a ) ( 1 )

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 2025-12-22 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: SC

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
Complaint Summary and Debt Validation Request I am submitting this complaint to report unlawful debt collection practices and to formally request debt validation regarding an alleged debt referenced by Wakefield and Associates. 

The initial communication regarding this alleged debt occurred via text message, sent by Wakefield and Associates on XX/XX/year>. This text conveyed information regarding an alleged debt and therefore constitutes an initial communication under the Fair Debt Collection Practices Act ( FDCPA ).

Following this text message, Wakefield and Associates did not send any written validation notice within five ( 5 ) days, nor at any time thereafter. To date, I have not received any written correspondence identifying the creditor, the amount of the debt, or my statutory rights to dispute the debt. 

Subsequently, Wakefield and Associates contacted me by telephone. During that call, the representative identified the collection agency but refused to disclose the name of the creditor on whose behalf they claimed to be collecting. When asked directly to identify the creditor, the representative stated that identifying the collection agency alone satisfies legal disclosure requirements, and that disclosure of a third-party creditor was not required. 

This statement is incorrect and misleading. 



Legal Basis for Complaint Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ), when a debt collectors initial communication with a consumer is not in writing, the collector is required to send the consumer a written validation notice within five ( 5 ) days of that initial communication.

That written notice must include, among other things : The name of the creditor to whom the debt is owed The amount of the debt Notice of the consumers right to dispute the debt A text message conveying information regarding a debt constitutes an initial communication for purposes of the FDCPA, but does not satisfy the written validation notice requirement. 

Wakefield and Associates failed to send the required written validation notice within five days of the initial text message and failed to provide the required disclosures during subsequent communications.

Additionally, under the Florida Consumer Collection Practices Act ( FCCPA ), Fla. Stat. 559.72, it is unlawful for a debt collector to : Misrepresent the legal status or character of a debt Use deceptive or misleading representations in connection with debt collection By refusing to identify the creditor and falsely asserting that such disclosure was not legally required, Wakefield and Associates misrepresented its legal obligations and interfered with my ability to meaningfully evaluate, dispute, or validate the alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing today to file a formal complaint against XXXX XXXX XXXX XXXX. I have been a Capital One customer since XXXX. I have an outstanding record, having spent over {$2.00} XXXX across three cards, paid in full every month, with a near-perfect credit history and score. I have rarely disputed charges but a recent dispute required I do so. 

I created a case on XX/XX/XXXX and it is still unresolved. The nameless employee I have been dealing with has been difficult to work with and terse to the point of being rude and incompetent. The person has copied and pasted boilerplate requests that are not relevant to my case and has refused to tell me what is needed to move forward. I've called the dispute number twice and spoken with two managers, including one named XXXX. Both XXXX and the other person agreed with my position and added notes to my case, but claimed they have no control over the situation. I asked to file a formal complaint, and they said they would do so on my behalf. I asked for the employee 's name I've been working with, but they could not provide it. I have provided ample evidence to support my dispute. 

My case is straightforward. I ordered a glass light fixture on XXXX, it was poorly packaged, arrived destroyed, and was dangerous due to broken glass falling out of the box. My young kids nearly stepped in the broken glass! We connected with the vendor who offered to send a replacement, but after many months, no replacement was provided. I provided my entire written conversation with the vendor to the employee. 

I am incredibly disappointed with Capital One. The complete lack of emotional intelligence and empathy is disconcerting, making valued customers feel like a number on a spreadsheet. No one should be made to feel this way. I would appreciate your quick attention to this matter

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-22 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:
Dear Sir/Madam, I am writing to dispute inaccuracies in my credit report as detailed below. I respectfully request your assistance in resolving the issues I have outlined. 

CHARGED OFF : XXXX  XXXX XXXX, Account Number : XXXX, Opened : XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX Date : XXXXXXXX XXXX XXXX XXXX XXXX Date : XXXXXXXX XXXX XXXX XXXX  XXXX Date XXXX XXXX XXXX XXXXXXXX XXXX Date : XXXX XXXX XXXX, Date : XXXX XXXX XXXX, Date : 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 2025-12-22 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: OH

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint to formally dispute several unauthorized hard inquiries on my credit report that are the result of identity theft. I hereby request that these fraudulent inquiries be blocked or removed from my file as mandated by 15 U.S.C. 1681c-2. For your reference and as supporting evidence, I have included my official FTC Identity Theft Report ( Report Number : XXXX ). 
Under 15 U.S.C. 1681c-2, credit reporting agencies are obligated to block any information identified by a consumer in an identity theft report within four ( 4 ) business days of receiving the report.

The following hard inquiries on my credit file are fraudulent and must be blocked. I did not authorize these credit checks, and they are directly linked to the identity theft I reported : XXXX XXXX  - XX/XX/year> XXXX XXXX - XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Pursuant to 15 U.S.C. 1681c-2, I formally request the immediate and permanent blocking of these inquiries. This block should remain in effect for the statutory period, during which no information related to these fraudulent credit pulls may be reported.

I have previously contacted the credit bureau reporting these inquiries on multiple occasions to seek resolution. Despite my efforts and the submission of my FTC report, the issue persists without a final and effective resolution. The continued presence of these unauthorized inquiries is causing me significant harm by inaccurately lowering my credit score and impeding my ability to secure credit for essential needs.

I trust that the CFPB will facilitate a fair and timely resolution. I request your assistance in ensuring the credit bureau complies with federal law and permanently removes these fraudulent inquiries from my credit history.

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 2025-12-22 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: PA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-22 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: TX

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

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 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BUDGET CONTROL SERVICES, INC.
State: OH

Complaint narrative:
I do not know this company or the debt they are trying to collect. They called me XXXX on XX/XX/year> and refused to identify themselves or their attempt to collect a debt, and when I called back I didnt give them any personal information as per legal advice and asked what business they were, and they refused to answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: CO

Complaint narrative:
I am writing to dispute several items that I believe to be incorrect or incomplete on my credit report. These items are inaccurate, and I request that they be thoroughly investigated and removed or corrected as necessary. Below is a breakdown of the accounts in dispute, separated by bureau : Charged Off Accounts : XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$1200.00} XXXX, XXXX, XX/XX/XXXX, {$1500.00} XXXX XXXX XXXX  XXXX, XX/XX/XXXX, {$67000.00} XXXX  XXXX, XXXX, XX/XX/XXXX, {$520.00} XXXX  XXXX, XXXX, XX/XX/XXXX, {$1200.00} XXXX XXXX XXXX, XX/XX/XXXX, {$490.00} XXXX XXXX, XX/XX/XXXX, {$93.00} XXXX XXXX XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX {$820.00} Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: LA

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: GA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute certain accounts that have been inaccurately reported to the credit bureaus. Please review the following details of the accounts in question : Charged Off Accounts : XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00} Late Payment : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief