vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 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: NC

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 2025-12-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit report all of which I did not initiate, authorize, or recognize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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 hereby issue formal notice disputing the referenced accounts. I do not recognize them nor authorize their establishment. I request review and deletion. Documentation is attached for verification.

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 2025-12-04 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: NC

Complaint narrative:
I am a consumer attempting to correct inaccuracies and outdated information appearing on my credit reports. I have identified multiple errors across XXXX Equifax, and XXXX  that are negatively impacting my credit. I am requesting an investigation and correction under the Fair Credit Reporting Act ( FCRA ). 



1. Previous Address Dispute Please remove or update the following outdated or incorrect addresses : 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 2. 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 3. Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. Late Payments 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 2025-12-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint because Equifax failed to properly investigate multiple unauthorized hard inquiries that remain on my credit report. I have disputed these inquiries directly with Equifax several times, including a formal Round 3 reinvestigation request, and Equifax has not provided any documentation showing permissible purpose under FCRA 604 ( a ) ( 2 ). 

Equifax responded with generic statements claiming the inquiries were verified, but they did not supply any evidence such as an application, authorization, or documentation from the creditors. Equifax also failed to provide the Method of Verification as required under FCRA 611 ( a ) ( 7 ). 

The following inquiries still appear on my Equifax report without legal justification and without proof of authorization : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize these companies to access my credit report, and Equifax has not provided any documentation proving that these inquiries meet the legal standard of permissible purpose. 

Equifax has failed to comply with FCRA 604, 611, 609, and 607 ( b ), because : They did not obtain or provide documentation proving that I authorized these credit pulls. 

They did not supply the Method of Verification requested under 611 ( a ) ( 7 ). 

They relied on automated responses instead of conducting a proper reinvestigation. 


I am requesting CFPB assistance because Equifax has refused to provide documentation, has failed to reinvestigate properly, and continues to report inquiries that can not be verified with evidence as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-12-04 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-12-04 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:
I am filing this complaint because certain information being reported by the credit bureaus appears inaccurate, incomplete, inconsistent, or unverifiable. I am requesting a full reinvestigation under the FCRA. My disputes are listed below by bureau. 
Charged-Off Accounts in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/2023 Balance : {$740.00} Reason for dispute : This XXXX account appears inaccurate and may be unverifiable. The account information differs from other bureaus and may not contain accurate dates or balance history. I request complete validation from the furnisher. If it can not be verified with proper documentation, it must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: CA

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 2025-12-04 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:
I am submitting this statement as a consumer seeking correction of inaccurate and unverifiable information appearing on my credit reports. I am requesting that the Consumer Financial Protection Bureau assist in ensuring that each credit reporting agencyExperian, Equifax, and TransUnionfully investigates these disputes in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i. 

Charged Off Accounts Unverified or Inaccurate Reporting XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance shows {$0.00}, yet listed as charged off. Please verify accuracy or delete. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account reports as charged off with {$0.00} balance. Please verify or delete if paid/closed. 

XXXX XXXX XXXX XXXX XXXXXXXX Balance listed {$500.00}. Please provide validation or delete if unverified. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account reports {$0.00} but remains in charged-off status. Please update to reflect accurate standing. 

XXXXXXXX XXXX XXXX XXXXXXXX Balance {$2400.00}. Please verify debt ownership and accuracy of balance. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$0.00} balance yet marked charged off ; request deletion if verified as paid/closed. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1300.00} balance ; please confirm accuracy and that the account belongs to me. 

XXXXXXXX XXXX XXXX XXXXXXXX {$1300.00} balance ; reporting opened XX/XX/XXXX. Please validate account details and ownership. 

Hard Inquiries Unfamiliar or Unauthorized 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 provide permissible purpose documentation or remove them as unauthorized. 

Late Payment Reporting XXXXXXXX XXXX XXXX XXXXXXXX Please validate date ( s ) and accuracy of reported late payment. If unverifiable, delete the late mark.

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 2025-12-04 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: TX

Complaint narrative:
I do not recognize the inquiries listed, and they seem to have occurred without my approval. I request an investigation and removal if confirmed. Relevant supporting materials are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Service Company
State: CO

Complaint narrative:
I am being repeatedly garnished for the same hospital bill, even though the hospital and medical groups have confirmed I owe nothing and that they are not using any collection agency to collect from me. 
Since 2021, I have been garnished XXXX separate times, XXXX of which by Credit Service Company another by XXXX XXXX XXXX. All for the same alleged accounts. 
I was never legally served notice of any lawsuit or judgement. I also submitted a medical hardship letter, and verbally informed them which was ignored. 
The current collector, Credit Service Company, continues to take my wages and claims they are collecting " on behalf of '' the hospital even though the hospital told me they are not authorizing this collection and my balance is {$0.00}. 
Representatives from both of these companies have also called and harassed me about this invalid debt. Sent letters to my employer and caused stress and harm to me mentally. 
I am requesting an immediate investigation, full verification of the alleged debt and reimbursement of all wages taken since 2021 under false or duplicate garnishments. 
Parties/companies involved : Credit Service Company XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CO XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The Department of Treasury is reporting and attempting to collect a federal student loan debt that is not in default and is current with XXXX, the authorized federal loan servicer. XXXX has confirmed my account is not delinquent, yet Treasury continues to appear on my credit report and has previously offset my tax refund. 
This is inaccurate credit reporting and unlawful collection activity. I am requesting : -Immediate investigation -Formal Treasury recall -Removal of all credit bureau reporting -Refund review of any funds taken -I have attached proof of good standing from 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 2025-12-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am formally disputing the CAPITAL ONE account reporting on my credit file. This account is not mine and is the result of a data breach where my personal information was compromised. I received notice that my information was exposed in a confirmed data breach, which has led to unauthorized accounts being reported under my name. 

Despite multiple disputes and validation requests, CAPITAL ONE has failed to provide documentation verifying the accuracy or ownership of this account. I have repeatedly requested validation, including a signed contract, itemized statement, proof of assignment, and verification procedures, but have received no such evidence. 

Furthermore, CAPITAL ONE failed to properly investigate or verify this account as required under : 15 USC 1681i ( a ) ( 1 ) duty to conduct a reasonable reinvestigation 15 USC 1681e ( b ) duty to ensure maximum possible accuracy 15 USC 1681i ( a ) ( 7 ) duty to provide the consumer with a description of the verification process 15 USC 1692g validation of debts 15 USC 1692e ( 8 ) prohibition of reporting information known to be false The continued reporting of this unverifiable and fraudulent account violates these provisions and has caused me significant hardship, including denial of services, credit opportunities, and emotional distress. 

I have also filed complaints with the FTC regarding this fraudulent activity. I am requesting that the CFPB investigate this matter, compel CAPITAL ONE and the credit bureaus to provide full verification or immediately remove this fraudulent account from my credit reports to restore the accuracy and integrity of my consumer file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern : This is not a request. This is a DEMAND FOR IMMEDIATE ACTION. Your company 's blatant disregard for the law and for the accuracy of my credit report has caused me immense financial and emotional distress. I am a single mother of XXXX, and your negligence is directly impacting my ability to provide for my family. 

I have already provided you with an FTC Identity Theft Report ( Report # XXXX ), which you have illegally ignored. You are in direct and willful violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, by failing to conduct a reasonable investigation and delete these fraudulent accounts within the 30-day statutory period. 

Your continued reporting of this false information is illegal. This is not a request for a reinvestigation ; it is a DEMAND FOR IMMEDIATE AND PERMANENT DELETION.

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 2025-12-04 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: SANTANDER HOLDINGS USA, INC.
State: NV

Complaint narrative:
I am very concerned regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry from your company was placed within my XXXX credit file without my permission and need to be removed. The Act specifies that you must document your reasons for requesting my report and as far as Im concerned its without my permission and is in error, remove them as well. I am depending upon your company to follow the statute : Either provide documentation that the law was followed by researching the matter at once, or remove this offending inquiry as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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 disputing the following accounts on my Experian credit report : Charged Off Accounts : XXXX XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$7400.00} XXXXXXXX XXXX XXXXXXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$460.00} XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Inquiries : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  XXXX Date XXXX XX/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 explanation
Consumer complaint received 2025-12-04 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:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
3. A full file disclosure. 
4. An itemized statement breaking down the balance you claim I owe. 
5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief