vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 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: AL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc . 
continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company 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 2025-07-24 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: NY

Complaint narrative:
This is my tenth and final dispute. Your ongoing failure to delete or verify the disputed information is a direct violation of multiple federal laws, including : FCRA 1681i ( failure to investigate ) FCRA 1681e ( b ) ( failure to maintain accuracy ) FCRA 1681n and 1681o ( willful and negligent noncompliance ) CFPA 5536 ( unfair, deceptive, or abusive practices ) 15 U.S.C. 45 ( FTC Act unfair methods of competition ) You are now subject to civil liability, and I am prepared to take this to court, file complaints with the CFPB, FTC, State Attorney General, and pursue full legal remedies, including damages and attorneys fees. I demand the immediate deletion of all inaccurate, unverifiable, or misleading information.

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 2025-07-24 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
To Whom It May Concern : This letter is regarding the following accounts : XXXX  XXXX {$3800.00} XXXX  XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX {$990.00} To Whom It May Concern : This letter serves as a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2 ( b ) regarding the inaccurate and potentially fraudulent reporting of the above-referenced account Failure to Validate Under FCRA 609 ( a ) ( 1 ) : I request full validation, including the original signed contract with my signature, a full itemization of the debt, and the chain of custody proving all negative items legal right to collect and report this debt. 
Violation of FCRA 1681i ( a ) ( 5 ) : If you can not verify the accuracy of this account within 30 days, you must delete it from my file permanently.

Violation of FCRA 623 ( a ) ( 1 ) ( A ) : Reporting inaccurate, incomplete, or unverifiable information to a credit bureau is prohibited. As no original contract or proof of liability has been presented, this trade line is unsubstantiated and must be removed.

Failure to Note as Disputed ( FCRA 1681s-2 ( a ) ( 3 ) ) : If this account remains on file, it must be updated to reflect its disputed status immediately. Failure to do so is a further FCRA violation. 
No Permissible Purpose ( 15 U.S.C. 1681b ) : If there is no signed agreement granting the original creditor or collection agency authority to share this debt with Experian, this reporting may also constitute a violation of permissible purpose. 
Accordingly, I request the immediate investigation and permanent deletion of this entry from my credit report. Please forward to me all results of your investigation, including the method and documentation used for verification. 
This letter serves as legal notice, and I expect full compliance with all federal obligations. You have XXXX  days from the receipt of this dispute to respond, as required by law. 






P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals OfficeCC : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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 am reaching out to dispute a late payment that is incorrectly reflected on my credit report. I have consistently made timely payments, and this entry is both distressing and unjust.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: NV

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc . 
continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company 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 2025-07-24 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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

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 2025-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

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 non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am filing this complaint regarding Capital Ones mishandling of my disputed charge for {$170.00} from XXXX XXXX XXXX XXXX in XXXX, VA, posted on XX/XX/year>. 

My dispute was based on materially substandard service, discriminatory treatment, and the merchants refusal to resolve the issue, not fraud. During our visit, staff repeatedly questioned the ages of the children in our party and made comments that singled out XXXX child, causing embarrassment. My fiancs family is XXXX, and my daughter and I are XXXX ; the tone of interactions and dismissive response from management left us feeling unwelcome and unfairly scrutinized. 

The food was also cold and inedible which caused my fiance to stop eating. The restaurant refused to compensate us despite multiple attempts to resolve the issue. The merchant confirmed our presence by reviewing security footage but provided no resolution. 

I provided Capital One with proof of these facts, including the merchants acknowledgment and my detailed complaint. Despite this, they denied my claim stating, You authorized the transaction. This is irrelevant, as the Fair Credit Billing Act covers disputes for services not delivered as agreed, even when the transaction was authorized. 

I am requesting a full review under the proper dispute category and a refund of {$170.00}. Supporting documentation is attached. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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 2025-07-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I received a debt collection notice from National Credit Systems , INC. on XX/XX/year> regarding an alleged debt between myself and XXXX at XXXX XXXX XXXX. At that time, I was still disputing this bill with the property management team because I believe I should not be resposible for it. Therefore, I sent XXXX dispute letters to National Credit Systems , INC. on XX/XX/year> and XX/XX/year>, respectively, asking for a complete verification of the debt. However, they failed to provide the information that support their claim. 

Later, I received an email from the property management team confirming that I do not need to pay that bill. I sent this information to National Credit Systems , INC. on XX/XX/year>. However, they do not provide any reply. Instead, they reported this debt to the credit agency, which negatively affected my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: PR

Complaint narrative:
I am writing to dispute an account that is being reported on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) pursuant to 15 U.S.C. 1681c-2. Therefore, I respectfully request that this information be blocked or deleted immediately.

I am enclosing a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC ), FTC REPORT NUMBER : XXXX, as supporting evidence for my claim. 

According to 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are legally required to block any information identified by the consumer as resulting from such identity theft within four ( 4 ) business days. 

The following information in my credit file is the result of a clear FCRA violation and must be blocked immediately : XXXX  / Account Number : XXXX Additionally, 15 U.S.C. 1681b, which states that a credit reporting agency may not include information in a consumers file unless there is a valid authorization or permissible purpose. I never authorized the opening or reporting of this account, and there is no signed contract or consent from me that justifies its inclusion in my credit report. 

Therefore, the continued presence of this account constitutes not only a result of identity theft but also the unauthorized use and disclosure of my personal information, in direct violation of the FCRAs requirements. 

In accordance with 15 U.S.C. 1681c-2 and 1681b, I respectfully request that this account be blocked and deleted immediately from my credit report and that it no longer be reported in any manner. 

I have contacted Experian on multiple occasions to report these accounts, but I have yet to receive a clear or definitive resolution to this matter. This situation is causing me serious harm, as I am in the process of purchasing a new home for my children and seeking financial tools to support my economic growth. These negative accounts are blocking my opportunities and causing both personal and financial damage. 

Furthermore, these accounts have already been deleted by other credit bureaus, as they were unable to verify them under the procedures required by law. I do not understand why this agency continues to report this account on my credit file. 

I have also requested copies of any contracts related to these accounts from the company reporting them, and after more than 60 days, I have not received a single response. This further supports the fact that there is no verifiable evidence or legal basis for continuing to report this information. 

I respectfully request that you assist me by removing these accounts immediately.

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 2025-07-24 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: AL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LendingPoint Holdings LLC
State: TX

Complaint narrative:
I paid off my LendingPoint loan in full over a month ago, but the account is still reporting as unpaid on my credit report as of XX/XX/year>. This is inaccurate and is negatively affecting my credit. I have confirmation of the final payment, and there is no remaining balance owed. 

I reached out to LendingPoint to have this corrected, but the reporting has not been updated. I am requesting that the account status be corrected to reflect that the loan has been paid in full and closed, and that any associated negative information be removed or updated accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: TX

Complaint narrative:
To Whom It May Concern : This letter is regarding the following accounts : XXXX XXXX {$3800.00} XXXX  XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX {$990.00} To Whom It May Concern : This letter serves as a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2 ( b ) regarding the inaccurate and potentially fraudulent reporting of the above-referenced account Failure to Validate Under FCRA 609 ( a ) ( 1 ) : I request full validation, including the original signed contract with my signature, a full itemization of the debt, and the chain of custody proving all negative items legal right to collect and report this debt.

Violation of FCRA 1681i ( a ) ( 5 ) : If you can not verify the accuracy of this account within XXXX  days, you must delete it from my file permanently. 
Violation of FCRA 623 ( a ) ( 1 ) ( A ) : Reporting inaccurate, incomplete, or unverifiable information to a credit bureau is prohibited. As no original contract or proof of liability has been presented, this trade line is unsubstantiated and must be removed. 
Failure to Note as Disputed ( FCRA 1681s-2 ( a ) ( 3 ) ) : If this account remains on file, it must be updated to reflect its disputed status immediately. Failure to do so is a further FCRA violation.

No Permissible Purpose ( 15 U.S.C. 1681b ) : If there is no signed agreement granting the original creditor or collection agency authority to share this debt with Experian, this reporting may also constitute a violation of permissible purpose. 
Accordingly, I request the immediate investigation and permanent deletion of this entry from my credit report. Please forward to me all results of your investigation, including the method and documentation used for verification. 
This letter serves as legal notice, and I expect full compliance with all federal obligations. You have XXXX  days from the receipt of this dispute to respond, as required by law. 






P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals OfficeCC : 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 2025-07-24 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:
To Whom It May Concern : This letter is regarding the following accounts : XXXX XXXX {$3800.00} XXXX  XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX {$990.00} To Whom It May Concern : This letter serves as a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2 ( b ) regarding the inaccurate and potentially fraudulent reporting of the above-referenced account Failure to Validate Under FCRA 609 ( a ) ( 1 ) : I request full validation, including the original signed contract with my signature, a full itemization of the debt, and the chain of custody proving all negative items legal right to collect and report this debt.

Violation of FCRA 1681i ( a ) ( 5 ) : If you can not verify the accuracy of this account within 30 days, you must delete it from my file permanently.

Violation of FCRA 623 ( a ) ( 1 ) ( A ) : Reporting inaccurate, incomplete, or unverifiable information to a credit bureau is prohibited. As no original contract or proof of liability has been presented, this trade line is unsubstantiated and must be removed. 
Failure to Note as Disputed ( FCRA 1681s-2 ( a ) ( 3 ) ) : If this account remains on file, it must be updated to reflect its disputed status immediately. Failure to do so is a further FCRA violation. 
No Permissible Purpose ( 15 U.S.C. 1681b ) : If there is no signed agreement granting the original creditor or collection agency authority to share this debt with Experian, this reporting may also constitute a violation of permissible purpose. 
Accordingly, I request the immediate investigation and permanent deletion of this entry from my credit report. Please forward to me all results of your investigation, including the method and documentation used for verification. 
This letter serves as legal notice, and I expect full compliance with all federal obligations. You have XXXX  days from the receipt of this dispute to respond, as required by law. 






P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals OfficeCC 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