vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX Capital one shut down my XXXX card. It was a new card, which I accepted for the bonus miles. I paid the annual fee, met the requirements for the miles, and shortly after they shut down my card. They said it was a fraud concern. They needed me to verify my identity and my income. Two separate reps told me repeatedly that I needed to submit photos of my SSN, DL, 3 consecutive Bank Statements, & proof of residency. 

Later, they told me SSN was not necessary, after I had submitted it. 

All of my information was verified, except for my bank statements. They told me they do no accept XXXX XXXX. I told them to ignore the investment accounts on the statements, please look directly to X page of the statement, where they can find my money market account, which receives direct deposit and shows my pay coming in. They told me no, this doesnt work. I provided them with a direct deposit form, showing this account is a checking / money market account. They refused to accept it. I provided them with a letter from XXXX informing them that X account is in fact a money market account, which capital one says they accept. I've offered to send Capital one W2, tax documents from the IRS, paystubs, or any other form of proof, and they refuse to realize that A ) this is a money market account, and B ) work with any other form of income verification. 

This process started on XXXX, and I have called in at least 10 times for updates. I have uploaded documents & supplemental documents on XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

In summary, capital one has harmed me by having me pay an annual fee, refusing to let me use the points I earned ( cant book XXXX travel ), refusing to allow me to prove my income reasonably. If this card closes, it will harm my credit due to ave age of credit, hard inquiries and new accounts. 

Again, this is well beyond the reasonable person standard. 

I am not uploading supporting documents here as they all contain account numbers. If necessary, I'm happy to redact documents and upload them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Atlanticus Services Corporation
State: SC

Complaint narrative:
In XXXX I purchased furniture from XXXX because they were offering no payment, no interest for 30 months. I have been making a payments each month with interest. I called XXXX  and reported the matter, they referred me to XXXX. I called XXXX, they agreed, I was covered by the XXXX XXXX special offerings. XXXX claimed they would contact the bank to resolve the matter. It did not happen, nor has anyone contacted me to follow-up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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:
DESPITE MY PRIOR DISPUTES AND FORMAL NOTICE, THE REPORTING AGENCY FAILED TO CONDUCT A LAWFUL REINVESTIGATION AS REQUIRED UNDER 15 U.S.C. 1681I OF THE FAIR CREDIT REPORTING ACT ( FCRA ). THE AGENCY WAS EXPLICITLY NOTIFIED OF INACCURACIES AND PROVIDED SUFFICIENT DETAIL TO TRIGGER A DUTY OF REASONABLE INVESTIGATION. HOWEVER, THEIR RESPONSE CLEARLY SHOWS NONCOMPLIANCE : NO VERIFIABLE EVIDENCE, DOCUMENTATION, OR CERTIFICATION OF DATA ACCURACY WAS EVER PRODUCED. INSTEAD, THE SAME ERRONEOUS INFORMATION CONTINUES TO BE REPORTED A DIRECT VIOLATION OF FEDERAL LAW. 

BY LAW, CONSUMER REPORTING AGENCIES MUST : 1. CONDUCT A REASONABLE REINVESTIGATION WITHIN THE STATUTORY TIME FRAME, 2. DELETE OR CORRECT ANY UNVERIFIABLE OR INACCURATE INFORMATION, AND 3. PROVIDE WRITTEN VERIFICATION OF THEIR FINDINGS AND THE SOURCES RELIED UPON. 

NONE OF THESE REQUIREMENTS WERE MET. THEIR INVESTIGATION WAS CONCLUSORY, UNSUPPORTED BY PRIMARY EVIDENCE, AND FAILED TO PROVIDE ANY PROOF OF VERIFICATION OR CHAIN OF CUSTODY OF THE DATA IN QUESTION. THIS CONSTITUTES BOTH PROCEDURAL NEGLIGENCE AND WILLFUL DISREGARD OF FEDERAL OBLIGATIONS. 

ADDITIONALLY, UNDER 15 U.S.C. 1681E ( B ), THE AGENCY HAS A CONTINUING DUTY TO FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION IT REPORTS. RETAINING OR RE-REPORTING UNVERIFIABLE DATA BREACHES THIS DUTY AND CAUSES TANGIBLE CONSUMER HARM, REPUTATIONAL DAMAGE, AND DENIAL OF FAIR CREDIT OPPORTUNITIES. 

THEIR FAILURE TO ACT LAWFULLY AFTER NOTICE TRANSFORMS THIS MATTER FROM SIMPLE NEGLIGENCE INTO RECKLESS NONCOMPLIANCE AND BAD FAITH CONDUCT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: OR

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
XX/XX/year> On XX/XX/year>, I sent Midland Credit Management ( MCM ), a written dispute and validation request under 15 U.S.C. 1692G. Per tracking, this letter was received on XX/XX/year>. 

I received MCMs response packet on XX/XX/year>, which includes 3 violations of the FDCPA : 1. A Pre-Legal Notification letter dated XXXXcontinued collection and false threat of legal action. 
2. A XXXX XXXX invoice demanding paymentsent after my dispute. 
3. A XXXX Interest Details pagenot validation ( no signed contract, no assignment, no full itemization from {$0.00} ). 

On XX/XX/year>, I received a second threat of legal action dated XX/XX/year>. This failed to include the previously requested : Signed original agreement Proof of assignment to Midland Complete account history from XXXX balance Date of last payment To date, Midland has failed to provide any of the above. 
This is a clear violation of the 15 U.S.C. 1692G ( b ) : the continued collection without validating and after my written dispute. 

I have included the following documents : My XX/XX/year> validation demand letter MCM packet received XX/XX/year> ( Pre-Legal letter, XXXX Invoice, Interest Details page ) MCM second threat of legal action dated XX/XX/year> and received XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: CO

Complaint narrative:
In XX/XX/year>, I applied for an apartment at XXXX XXXX XXXX XXXX XXXX. On XX/XX/year>, at XXXXXXXX XXXX, I submitted a housing application. Immediately after submission, XXXX XXXX emailed me a Housing Agreement for electronic signature at XXXX XXXX, which I signed at XXXX XXXX, believing it was simply the next step in completing my application, not a binding lease. 

At no point was it clearly communicated that I was signing a legally binding lease or that I had been approved. XXXX XXXX did not send an approval email until XX/XX/year>, at XXXXXXXX XXXXnearly two days later. According to their own lease terms, the Housing Agreement becomes binding only when signed by the Owners agent, meaning my signature alone was not sufficient to create a valid contract at the time. This proves I could not have knowingly entered a binding lease before approval. 

I never moved into the apartment, never picked up keys, and never paid any deposit or move-in fees. XXXX XXXX later sent this alleged lease debt to XXXX XXXX XXXXXXXX, a third-party collection agency, who began harassing and deceptive collection practices. Aldous used unethical tactics including : Misleading phone calls to get me to confirm my identity so they could verify the debt. 
Threats of lawsuits, fines, and jail time if I didnt pay immediately. 
Attempts to make me verbally admit responsibility for a debt that I never legally owed. 
Statements implying this debt would ruin my life if I didnt pay. 

These actions constitute deceptive collection practices in violation of the Fair Debt Collection Practices Act ( FDCPA ) and unfair leasing practices by XXXX XXXX, as they misrepresented the nature of the agreement and created a financial obligation without informed consent. 

I am requesting a full investigation into XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX for : 1. Deceptive lease and approval process designed to mislead applicants into signing binding contracts prematurely. 
2. Violations of FDCPA through threats, harassment, and deceptive communications by XXXX XXXX XXXXXXXX. 
3. Unlawful reporting or attempted reporting of a debt that is not valid or owed. 

This situation has caused significant financial and emotional harm due to false reporting and illegal debt collection tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This is not my account, and it appears on my credit report in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: VA

Complaint narrative:
I am writing to formally dispute the accuracy of the following charged-off accounts, inquiries, and late payments reported on my Equifax credit report. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an investigation of these items. Please review the details below and correct any inaccuracies. 

Charged-Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

Complaint narrative:
I am writing to formally dispute the inaccuracies found in my credit report as maintained by the three major credit bureaus. Below are the details of the accounts in dispute, separated by bureau : Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Positive Accounts : No positive accounts provided. 

Late Payments : 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 2025-11-11 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 am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: AZ

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: AZ

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: MA

Complaint narrative:
I am disputing the accuracy and completeness of certain information being reported on my Equifax credit file. I am requesting that Equifax conduct a full reinvestigation of the following accounts in accordance with the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ) and remove any information that can not be verified as accurate and complete. 

Charged-Off Account in Dispute : XXXX XXXX Account XXXX. XXXX Date : XX/XX/year> Reported Balance : {$6100.00} I have not received any documentation validating this account or confirming the accuracy of the charge-off status or balance. 

Late Payment Accounts in Dispute : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account No. XXXX XXXX XXXX Account No. XXXX XXXX XXXX / XXXX Account No. XXXX I believe these late payment notations may be inaccurate or incomplete. Please verify these accounts directly with the original creditors and remove any unverifiable information. 

Thank you for your time and for providing written confirmation of your reinvestigation results.

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

Complaint narrative:
b'I am disputing the accuracy of the following information appearing on my TransUnion credit report:\n\n1. Charged-Off Account\n\nAccount Name: XXXXAccount Number: XXXXAccount Date: XXXXXXXXBalance: XXXXThis charge-off is being inaccurately reported. I have not received validation or supporting documentation. Please delete or correct this record under FCRA 611.\n\n2. Inquiries\nThe following inquiries appear to have been made without authorization or proper purpose:XXXX XXXX XXXX XXXXPlease remove any inquiries that do not comply with permissible purpose provisions under FCRA 604.\n\n3. Late PaymentsXXXX 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 2025-11-11 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: MA

Complaint narrative:
I am disputing the following items being reported on my Experian credit file. These items may be inaccurate, incomplete, or unverifiable. Please conduct a reinvestigation under the Fair Credit Reporting Act ( FCRA ) and remove any information that can not be verified. 

Charged-Off Account in Dispute : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I do not recall authorizing these inquiries. Please verify that each inquiry was made with my explicit written consent and that it meets the FCRAs permissible purpose requirements. Any that can not be verified should be removed. 

Late Payment Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting verification of the payment history for these accounts and removal of any inaccurate late payment notations. 

Thank you for your cooperation.

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