vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 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: GA

Complaint narrative:
Thank you for your response dated XX/XX/year>. However, I must respectfully dispute your explanation regarding the status of my account and the issuance of a 1099-C. As of XX/XX/year>, my credit report clearly states that the account in question was charged off with a balance of {$480.00} written off. This designation typically indicates that the creditor has ceased collection efforts and claimed the loss for tax purposes. If this debt was indeed written off, then under IRS guidelines, I am entitled to receive a Form 1099-C for cancellation of debt income. Furthermore, continuing to report this account as active and delinquent while simultaneously writing it off creates a misleading and potentially inaccurate tradeline under the Fair Credit Reporting Act ( FCRA ). I am requesting that you either : Provide the 1099-C reflecting the debt cancellation, or Clarify in writing that the debt remains collectible and has not been claimed as a tax loss. If this matter is not resolved promptly and accurately, I will pursue legal action for misrepresentation and violation of consumer protection laws. I expect a formal written response within XXXX business days. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2025 while on my honeymoon in XXXX, my husband and I went to a local cenote in XXXX, XXXX and our cards were stolen while someone was helping us with our bags. This person stole my physical debit card, credit card, and my husbands debit card. My debit card is through Fifth Third Bank and I immediately reported the card stolen and the two transactions as fraud. The bank canceled that debit card, issued me a new card, and sent me the provisional credit for {$380.00}. On Tuesday, XX/XX/2025 the bank closed the case and took the {$380.00} from my account. They claimed a text message was sent to me on XX/XX/2025 asking if this was a fraud purchase and I replied no. I have no receipt of this text and I have asked the bank multiple times to show me proof of this text but they can not. My physical debit card was stolen in XXXX, I immediately called Fifth Third to cancel my card and report as fraud. The person that stole my card used it twice - once for {$11.00} at XXXX XXXX and second for XXXX at XXXX XXXX XXXX, XXXX XXXX. Fifth third gave me provisional credit for {$380.00} on XX/XX/2025. They now took that {$380.00} out of my account as of XX/XX/2025. My physical card was stolen. This purchase was not me and they can not give proof that is was me but are still withholding my money. This is not ok.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: IN

Complaint narrative:
I have several inquiries on my credit reports that I do not recognize. May have been the victim of ID theft. 

The following inquiries I do not recognize and I am requesting they be deleted from my credit file 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 non-monetary relief
Consumer complaint received 2025-08-28 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have several inquiries on my credit reports that I do not recognize. May have been the victim of ID theft. 

The following inquiries I do not recognize and I am requesting they be deleted from my credit file 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
Consumer complaint received 2025-08-28 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: PA

Complaint narrative:
These inquiries appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 2025-08-28 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: MS

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Experian 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal dispute with Experian to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Experian responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Experian for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX XXXX  who suffers from XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only XXXX XXXX  remaining to finalize my home purchase. Experians refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Experian fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Experian be held accountable for the injury and distress they have caused. 

I am attaching supporting documents, including copies of my dispute submission and Experians stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: LA

Complaint narrative:
XXXX  and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX  and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX  and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX  and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: LA

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 2025-08-28 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: LA

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 2025-08-28 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: GA

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal 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 2025-08-28 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: VA

Complaint narrative:
Dear Transunion, This letter is a notification on my intention to file a lawsuit in the XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX if this is not promptly resolved. In XXXX of XXXX  I was denied housing, student services including student loans due to falsified reporting and false information that is currently on my credit report. TransUnion has not only merged my credit report with former and previous tenants that I've shared old addresses with, but they have relatives names merged, accounts that are not mine and this is unacceptable. Please correct the following information as promptly as possible. If the information is not corrected promptly, I will take legal action.

Remove the following name and or names from my credit report.

1. The only name that should be listed reporting is my name which is XXXX XXXX XXXX or XXXX XXXX XXXX. Remove any other names including incorrect spellings, relatives, roommates or any name listed that is not XXXX XXXX XXXX Remove the following accounts from my credit report 2. XXXX account number XXXXXXXX XXXX XXXX XXXX  3. XXXX XXXX XXXX ( collections account ) Update the following address information : 4. Current address is XXXX XXXX XXXX XXXX  XXXX, VA XXXX There is no reason that another person 's name should be listed on my credit report and or merged credit file information, or accounts that is not mine. This is a very serious matter that has affected my life in a way that my education has been placed on hold. IMMEDIATELY correct this falsified credit report and make the changes as listed above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I was just reading the stories about capital one and I have capital one and there problem with their interest being high and Ive had that problem I just didnt know who to talk too about it I pay my bill twice a month and some still its late on time so I always have to struggle to pay early

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: LA

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 2025-08-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
I have had this debt on my credit report and have disputed this on multiple occasions. Each dispute returns as unknown. XXXX has not and will not send anything back to XXXX  to verify this debt. When I was originally charged with this debt, I contacted XXXX back in XXXX and thought this was resolved but it's now appearing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
The furnisher responded with a payment summary, but it does not include any original records, contracts, or documentation proving that the reported information is accurate.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, a data furnisher is required to maintain accurate records and fully verify any information they provide to credit reporting agencies. A simple payment history printout is not sufficient verification I am requesting documented proof, such as : Copies of the original retail installment sales contract or loan agreement. 
Complete monthly statements showing payments received and applied. 
Evidence supporting each delinquency they are reporting. 




If the furnisher can not provide original documentation, then the information being reported is unverifiable and must be deleted from my credit report under the FCRA. I respectfully request that the CFPB direct the furnisher to produce this documentation or remove the account from all credit reporting agencies. 



Thank you for your attention to this matter. I look forward to a written response confirming that proper verification has been performed or that the unverifiable information has been deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
The furnisher responded with a payment summary, but it does not include any original records, contracts, or documentation proving that the reported information is accurate.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, a data furnisher is required to maintain accurate records and fully verify any information they provide to credit reporting agencies. A simple payment history printout is not sufficient verification I am requesting documented proof, such as : Copies of the original retail installment sales contract or loan agreement. 
Complete monthly statements showing payments received and applied. 
Evidence supporting each delinquency they are reporting. 




If the furnisher can not provide original documentation, then the information being reported is unverifiable and must be deleted from my credit report under the FCRA. I respectfully request that the CFPB direct the furnisher to produce this documentation or remove the account from all credit reporting agencies. 



Thank you for your attention to this matter. I look forward to a written response confirming that proper verification has been performed or that the unverifiable information has been deleted.

Company response to consumer: Closed with explanation