vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-09 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: IL

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: MN

Complaint narrative:
This account was charged off on the following date XX/XX/2023 Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information of the following account : XXXX XXXX  XXXX Number XXXX falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of this account. 
XXXX XXXX  XXXX Number 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 2025-10-09 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: IL

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-10-09 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: NC

Complaint narrative:
This is a follow-up complaint regarding XXXX XXXX XXXX XXXX XXXX  TransUnion ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in Sessa v. TransUnion ( XXXX ), Kirtz ( XXXX ), and Norman v. TransUnion ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : CHARGE OFF - XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
On XX/XX/year> I saw on my credit report that someone tried to apply for a card in my name. XXXX I called in to find out what had occurred and was told the application was denied. I explained that I have a hard inquiry that needs to be removed as well as the account looked into for how someone could have gotten my info to apply. I was connected to a dept but was on hold for a very long time and phone disconnected. Call back again and had the same issue.

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 2025-10-09 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: TX

Complaint narrative:
I'm writing because there's an account on my credit report that is completely inaccurate, and I need this issue addressed and corrected immediately. The information being reported is flat-out wrong, and its already having a serious impact on my credit profile and my life. 

Let me be absolutely clear : I have no connection to this account. I never opened it, never authorized it, and have never had any dealings with the company reporting it. This is either the result of a reporting error, identity theft, or a case of mixed files but whatever the cause, this is not my debt and it needs to be removed. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to maintain and report 100 % accurate and verifiable information. Whats currently being reported under my name does not meet that standard. In fact, its a direct violation of my rights under the FCRA, specifically Section 607 ( b ), which requires you to follow reasonable procedures to ensure maximum possible accuracy.

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 2025-10-09 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: TX

Complaint narrative:
I am filing this complaint because TransUnion has failed to remove a collection account from my credit report that has already been deleted by XXXX  after their investigation found it to be inaccurate. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain and report information with the maximum possible accuracy. Additionally, 15 U.S.C. 1681i ( a ) requires that consumer reporting agencies properly investigate disputes and delete or correct any inaccurate or unverifiable information. 

I submitted a formal dispute to TransUnion regarding this collection account, providing documentation that XXXX  had already deleted the same account after finding it inaccurate. Despite this, TransUnion failed to conduct a reasonable investigation and continues to report the disputed collection, causing ongoing damage to my creditworthiness. 

Attached are copies of my dispute correspondence and the XXXX deletion confirmation for your review.

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 2025-10-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: MN

Complaint narrative:
XX/XX/year> at XXXX I received a call from Harris & Harris stating they were attempting to collect a debt for XXXX XXXX I informed them that I paid it either Friday or Saturday ( upon checking afterwards, it was Saturday XXXX ). The call ended. 
Today. Wednesday XX/XX/year> at XXXX I received a text message : You will receive messages from Harris & Harris Debt Collector XXXX # of messages varies. XXXX & XXXX : XXXX : XXXX STOP to stop Msg & DataRatesMayApply I replied stop and it errored as not delivered. Same result when I attempted again. I read their terms, which stated you can also reply Quit or end. I had the same result and also received another text from them stating : XXXX XXXX Harris & Harris is a debt collector for XXXX XXXX. Terms : XXXX  XXXX XXXX To Pay : XXXXXXXX XXXX XXXX or call XXXX Reply STOP to stop I called them and was told it can take 14 days for them to get notice from the creditor that the debt was paid so I may still be contacted until they have confirmation. I told her Im telling her now that I do not want to be contacted anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One is inaccurately furnishing data to the credit reporting agencies. 

On XX/XX/year>, Capital One issued me a written notice confirming that my account ending in XXXX was sold and transferred to XXXX XXXX, XXXX effective XX/XX/year> ( letter attached ). Despite this, Capital One continues to report a balance greater than {$0.00} and a charge-off status on my credit file. 

This reporting is false and misleading, because Capital One has no ownership interest and no collection rights after the transfer. This creates duplicative derogatory reporting once XXXX begins furnishing. 

Violations of the FCRA : 1681s-2 ( a ) ( 1 ) ( A ) : A furnisher may not report information it knows or should know is inaccurate.

1681s-2 ( a ) ( 2 ) : A furnisher must not continue reporting inaccurate information once notified.

1681e ( b ) : CRAs must maintain maximum possible accuracy.

1681i ( a ) ( 1 ) ( A ) : CRAs must delete inaccurate or unverifiable information within 30 days.

Harm : This inaccurate reporting damages my creditworthiness, prevents me from obtaining housing and financing, and constitutes ongoing publication of false and defamatory information. 

Requested Relief : I demand the immediate deletion of the Capital One tradeline from XXXX, XXXX, and XXXX, with written confirmation provided

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: IA

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 2025-10-09 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
This account was not set up by me not sure were this came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: TX

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report includes late payment entries that I believe are incorrect. In line with 15 USC 1681e ( b ) and 15 USC 1681i, the report must contain only data that is accurate, complete, and verifiable. I request verification of these entries, and if they can not be substantiated, they should be updated or deleted accordingly.

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 2025-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: OH

Complaint narrative:
There were multiple unauthorized withdrawals made from my account totaling {$840.00} and many more attempted card transactions. ( XXXX ) I provided legal proof showing I was not physically capable of making the transactions in question, yet mt disputes were wrongfully denied with no further explanation or assistance. CashApp XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I am currently on an exchange to the XXXX, and obtained the Capital One XXXX credit card because it does not have foreign transaction fees. About XXXX days ago, they froze my account under the reason of needing to verify my identity. They asked for a picture of my license and proof of address. I submitted both, and they told me it would take their team anywhere from XXXX business days to review this information and get back to me. In the mean time I have used my debit card abroad for purchasing groceries, but this incurs foreign transaction fees which get expensive quickly. 

They refused my submission about XXXX  days after I sent the requested information, saying that the bank statement I used would not work because it said account summary instead of statement ( that is just how XXXX labels their statements ). So I had to resubmit from another bank and await their response. This is quickly adding up in cost and they do not seem to care about speeding up the verification. I don't know what else to do as they still have not un-frozen my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
ONE MAIN FINANCIAL FILED A COURT ORDER FOR ME TO REPAY THE INTEREST ON THE LOAN.

AFTER I PAID THE PRIMARY BALANCE OFF.

THERE TACTICS ARE PREDETORY.

FOR EXAMPL : WHEN YOU ENTER INTO THERE FACILITY TO REPAY THE LOAN THEY MAKE YOU MEET WITH A LOAN OFFICER, WHO FORCES YOU TO PURCHASE ADDITIONAL PRODUCTS SUCH AS LIFE INSURANCE POLICY 'S.

WHICH YOU CAN ONLY CANCEL BUY RETURNING TO THE SAME BRANCH TO CANCEL.

WHICH AGAIN YOU ARE PRESURRED INTO PURCHASING ADDTIONAL PRODUCTS SO MUCH AGGRESSIVE PRESSURE UNTIL YOU STOP GOING IN TO MAKE ADDTIONAL PAYMENTS.

THEY NEED TO BE STOPPED

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On XX/XX/XXXX I went into Navy Federal to get them listed on the title of a used truck. I have a loan for with them. They took my total mail it to the title department on XX/XX/XXXX. The title department received it. I called several times to get the title mail to me. All members of Navy Federal misrepresented me with false information. The source of the problem is because Navy Federal representative at the local branch put the wrong VIN number. So every member at the title department when speaking to them said they mailed it to me when the whole time it was sitting in the total department because the VIN number was incorrect and they could not attach the title to the loan. Everyone in the title department keeps saying its mailed here. It is the last time I spoke to someone XXXXXXXX XXXX. I am coming up on a month and I still not have my title. Can someone please help me get my title from Navy Federal credit union

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: GA

Complaint narrative:
XXXX XXXX  Has reported and sold to a collection violation as if the person knows or has reasonable cause to believe that the information is inaccurate. 1681s-2 ( a ) ( 1 ) ( A ), This account and incorrect information need immediately removed and deletion under FCRA 609 , 611, and 623.

Pursuant to FCRA 609 ( a ) ( 1 ), I request disclosure of all information the credit bureau has on file for this account, including source, furnisher name, and original documents bearing my signature.

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 2025-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
I am a victim of identity theft and filed a complaint with identitytheft.gov. I also filed a local police report regrading this matter and notified all XXXX credit bureaus. Now I have been contacted by Resurgent Capital services regarding the debt of XXXX credit cards issued by XXXX XXXX XXXX I provided a copy of the identity theft report, police report, my drivers license, and social security card. They now are saying they are unable to validate this claim. I have provided all that is requested from me and I wish for them to investigate and stop harassing me for a debt I do not owe.

Company response to consumer: Closed with non-monetary relief