vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally demand your agency 's compliance with the Fair Credit Reporting Act ( FCRA ) in connection with the ongoing mishandling of my credit file. Despite multiple dispute attempts, you have failed to remove fraudulent accounts that do not belong to me and continue to report unverifiable information. This conduct is in direct violation of federal law and my consumer rights.

The accounts listed below were opened fraudulently as a result of identity theft. I have submitted several dispute letters requesting their removal, yet you have responded with vague and non-substantive explanations that do not meet the legal standards required under the FCRA.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally obligated to perform a meaningful investigation upon receipt of a consumer dispute. Your continued reliance on form responses without providing original validation of the debts in question constitutes noncompliance.

Moreover, 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies ensure the highest possible level of accuracy in reporting. Your agencys failure to take corrective action demonstrates a reckless disregard of these obligations.

You are hereby given 30 days from the date of this letter to provide the following : 1. Full and original verification documents from the creditors proving the validity of the accounts in questionnot generic responses ; 2. A comprehensive outline of the investigation performed, detailing each step taken ; 3. The names, job titles, and contact details of the individuals responsible for reviewing and responding to my dispute ; 4. Written confirmation that all unverifiable information has been permanently deleted from my credit file pursuant to 15 U.S.C. 1681i ( a ) ( 5 ).

If you fail to respond adequately within the timeframe stated, I will pursue immediate legal action. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California State Attorney General. I will also proceed with litigation under 15 U.S.C. 1681n for willful noncompliance, which allows for the recovery of statutory damages, punitive damages, attorney fees, and costs.

The following accounts are fraudulent, and I have already received confirmation from the relevant banks that they should not be associated with my credit profile. Please review and remove these accounts immediately, and provide supporting verification if you continue to report them : XXXX - XXXXXXXX XXXX XXXXXXXX

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 2025-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I signed up for a Capital One Venture card but DID NOT select online statements. I NEVER select paperless statements as I go through my statements every month to make sure there are no surprise charges. Somehow they sneakily signed me up for paperless statements. Because of that, I was not aware they charged me a {$95.00} renewal fee even though I hadn't used my card that year. They didn't provide a paper statement so I did not see they had done this. ( I apparently had a {$410.00} credit for most of the year that I didn't know about and they didn't refund to me either until I called them. ) I figured they weren't sending me paper statements because I hadn't made any purchases. Ends up they were sucking fees out of my account without my knowledge. 

I'm so XXXX off. I never, ever would open a credit card and choose paperless statements. I don't know what shenanigans or fine print they had that allowed them to do that, but it should be criminal. It was definitely not clear that I was going paperless and I did NOT make an active decision to do that. They must have defaulted me to that and not shown me the option to change it, or if they did, it was hidden on some obscure web page. At the end of the day, they screwed me out of {$95.00} as I did not want to renew this card and I hadn't used the card for the year.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: MD

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 explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There is a fraudulent account on my consumer report that I am highly displeased with. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. In accordance with the fair credit reporting act The XXXX XXXX has violated my rights. According to 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 Section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information, you have to have my written consent, making you liable for any remedy under the 15 U.S.C. Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am submitting this formal complaint against Equifax, Experian, and TransUnion for their failure to correct multiple inaccuracies on my credit reports after several formal disputes. The information in question includes incorrect addresses and the continued reporting of unverifiable and potentially erroneous tradelines. These ongoing inaccuracies constitute violations of the Fair Credit Reporting Act ( FCRA ), particularly Sections XXXX ( b ) and XXXX. 

Details of the Complaint : Wrong Addresses Still Listed : XXXX XXXX XXXX, XXXX XXXX, LA XXXX This address is incorrect and has never been associated with me. 

XXXXXXXX XXXX XXXX XXXX, La XXXX, LA XXXX Incorrect and not connected to me. 

XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX Also incorrect and never my residence. 

Disputed Account Errors Not Resolved : XXXX XXXX XXXX ( Account ending in XXXX XXXX XXXX XXXX XXXX  ) Reporting a XXXX  with a high balance of {$10000.00}. This account is in dispute for lack of proper verification and potential tax misreporting under IRS XXXX guidelines. 

XXXX XXXX ( Account number redacted ) Reflects late payments which have not been validated and are disputed as inaccurate. 

XXXX ( Account ending in XXXX XXXX XXXX XXXX XXXX ) Improperly marked as a XXXX No sufficient verification has been provided, and the balance reported is contested. 

Previous Action Taken : I have formally disputed these entries with each bureau in writing, providing documentation and identification, as advised by the CFPB. Despite this, the inaccurate information remains, and the responses received were either vague or stated verified with no substantiating evidence or reinvestigation details as required under XXXX XXXX. XXXX. 

Impact on Me : These reporting failures have resulted in multiple credit denials, XXXX XXXX, and unjust harm to my personal and financial reputation. I am requesting the CFPBs intervention to compel these agencies to fully investigate, remove inaccurate information, and ensure full compliance with FCRA mandates. 

Requested Resolution : XXXXmmediate removal of the XXXX incorrect addresses listed. 

Deletion or full verification ( with documentation ) of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts. 

Compliance documentation showing reinvestigation details per FCRA XXXX. 

A complete review of each bureaus procedures in handling these disputes. 

I respectfully request that the CFPB take appropriate enforcement actions and require all involved credit bureaus to meet their statutory obligations.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am submitting this formal complaint against Equifax, Experian, and TransUnion for their failure to correct multiple inaccuracies on my credit reports after several formal disputes. The information in question includes incorrect addresses and the continued reporting of unverifiable and potentially erroneous tradelines. These ongoing inaccuracies constitute violations of the Fair Credit Reporting Act ( FCRA ), particularly Sections XXXX ( b ) and XXXX. 

Details of the Complaint : Wrong Addresses Still Listed : XXXX XXXX XXXX, XXXX XXXX, LA XXXX This address is incorrect and has never been associated with me. 

XXXXXXXX XXXX XXXX XXXX, La XXXX, LA XXXX Incorrect and not connected to me. 

XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX Also incorrect and never my residence. 

Disputed Account Errors Not Resolved : XXXX XXXX XXXX ( Account ending in XXXX XXXX XXXX XXXX XXXX  ) Reporting a XXXX  with a high balance of {$10000.00}. This account is in dispute for lack of proper verification and potential tax misreporting under IRS XXXX guidelines. 

XXXX XXXX ( Account number redacted ) Reflects late payments which have not been validated and are disputed as inaccurate. 

XXXX ( Account ending in XXXX XXXX XXXX XXXX XXXX ) Improperly marked as a XXXX No sufficient verification has been provided, and the balance reported is contested. 

Previous Action Taken : I have formally disputed these entries with each bureau in writing, providing documentation and identification, as advised by the CFPB. Despite this, the inaccurate information remains, and the responses received were either vague or stated verified with no substantiating evidence or reinvestigation details as required under XXXX XXXX. XXXX. 

Impact on Me : These reporting failures have resulted in multiple credit denials, XXXX XXXX, and unjust harm to my personal and financial reputation. I am requesting the CFPBs intervention to compel these agencies to fully investigate, remove inaccurate information, and ensure full compliance with FCRA mandates. 

Requested Resolution : XXXXmmediate removal of the XXXX incorrect addresses listed. 

Deletion or full verification ( with documentation ) of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts. 

Compliance documentation showing reinvestigation details per FCRA XXXX. 

A complete review of each bureaus procedures in handling these disputes. 

I respectfully request that the CFPB take appropriate enforcement actions and require all involved credit bureaus to meet their statutory obligations.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: LEXISNEXIS
State: FL

Complaint narrative:
I am filing this complaint against LexisNexis Risk Solutions for inaccurately reporting a bankruptcy on my consumer file and refusing to correct it after a formal dispute. 

I provided LexisNexis with an official letter from the court clearly stating that the court does not share or report information to any credit bureaus or to third parties such as LexisNexis. Under the Fair Credit Reporting Act ( FCRA ), any information maintained in a consumer report must be verified directly with the original source if its accuracy is disputed. 

In response to my dispute, LexisNexis claimed that the information was verified through PACER ( Public Access to Court Electronic Records ), which is a public, automated database. This does not constitute direct verification with the original source, and therefore does not satisfy the reasonable investigation requirement set forth in Section 1681i ( a ) of the FCRA.

The use of PACER as verification represents a mechanical and inaccurate process that fails to meet LexisNexiss obligations as a consumer reporting agency. It undermines the accuracy of reported data and has unfairly harmed my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AR

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Hello, i found address and names that are on my credit report that are not mine. I sent letters to the credit reporting agencies and no update has been made. I am asking the CFPB to help me to put these reporting agencies on full notice to remove all inaccurate 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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc
State: FL

Complaint narrative:
fraud not my accounts, inaccurate FCRA Section 611 ( 15 U.S.C 1681i ) FCRA 609 ( 15 U.S.C. 1681g ) FCRA 623 ( 15 U.S.C. 1681s-2 ) FCRA. 604 ( 15 U.S.C. 1681b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) 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 XXXX Code XXXX 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 ( XXXX ) 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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
SEE PHOTOS FROM PREVIOUS COMPLAINT EQUIFAX IS STILL NOT REPORTING MY CREDIT CARD ENDING IN XXXX - I HAVE ALL CALLS RECORDED OF EQUIFAX BLAMING XXXX XXXX  AND REFUSING TO SPEAK WITH THEM. USPS confirms Equifax received all requested info multiple times via certified mail. Equifax sends the below every 30 days FOR YEARS NOW-I JUST RECEIVED ANOTHER RIGHT NOW, XX/XX/XXXX : " Equifax has received your complaint submitted through the CFPB portal. We need more time to review and thoroughly research your submission. Once we've completed our research, we will provide an updated response with our findings. '' My credit continues being falsified year after year, since all the other credit bureaus XXXX XXXX and XXXX are reporting and only Equifax is not. Equifax 's responsibility is to report my credit accurately and CFPB 's is to address complaints positively or negatively. AGAIN : Equifax is falsifying my information online and not responding to my complaint ; CFPB is publishing it is. AGAIN : ALSO EQUIFAX IS REPEATEDLY SENDING LETTERS ABOUT THE WRONG CARD SAYING I HAVE DISPUTED MULTIPLE TIMES - SEE PHOTOS THIS IS THE WRONG CARD Equifax has faced multiple lawsuits and settlements related to their XXXX data breach and subsequent errors in credit reports. The XXXX breach exposed the data of approximately XXXX XXXX consumers. There have also been lawsuits and fines related to Equifax 's handling of consumer disputes and inaccurate credit reporting. Here 's a more detailed breakdown : XXXX Data Breach : Equifax settled a class action lawsuit related to the XXXX data breach for {$700.00} XXXX. Improper Investigations : The Consumer Financial Protection Bureau ( CFPB ) fined Equifax {$15.00} XXXX for failing to properly investigate consumer disputes and address inaccuracies in credit reports. Inaccurate Credit Scores : New York Attorney General ( .gov ) secured a settlement with Equifax for {$720000.00} due to inaccurate credit scores reported to lenders, impacting consumers ' loan costs.

Company response to consumer: Closed with non-monetary relief