vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Reporting XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of the XXXX XXXX XXXX account being reported on my credit file. After reviewing my report, I found multiple issues that I believe violate the Fair Credit Reporting Act ( FCRA ) and request a full investigation into the following : 1. Re-aging of the Account FCRA 1681c ( a ) ( 4 ) The Date of Last Activity is being reported as XX/XX/XXXX ( Equifax ) and XX/XX/XXXX ( XXXX  ). However, the actual last payment on the account was made on XX/XX/XXXX. 
Reporting a future date as last active falsely extends the time this charge-off can remain on my credit file which violates the FCRAs 7-year rule for negative account reporting.

2. Inconsistent and Conflicting Reporting FCRA 1681e ( b ) There are major inconsistencies in how this account is being reported : Equifax shows a Monthly ( due every month ) account type, while Experian lists it as Revolving XXXX  reports Date Last Active as XX/XX/XXXX ; Equifax reports XX/XX/XXXX Payment histories, comments, and reporting dates dont match These inconsistencies create confusion and cast doubt on the accuracy of the information, which violates the requirement to ensure maximum possible accuracy in credit reporting.

3. Failure to Report Complete and Accurate History FCRA 1681i ( a ) If either bureau is missing or omitting payment data, activity, or proper comments while still reporting a charge-off, it may constitute reporting incomplete or unverifiable information which is not allowed under the FCRA. For example, XXXX  doesnt list the " CHARGED OFF ACCOUNT '' comment that Equifax includes, nor is the status clearly marked as " Closed. '' Request for Action I am requesting the following actions be taken in compliance with federal law : A formal reinvestigation into the accuracy of the XXXX XXXX XXXX account. 

Correction of the Date of Last Activity to match the actual last payment date ( XX/XX/XXXX ). 

Verification of all account data or removal of the tradeline if the information can not be verified. 

Written confirmation of the outcome, and a copy of my updated credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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 ( 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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My name is XXXX XXXX and i currently have an open bank account with capital one. On XX/XX/year> i noticed XXXX separate XXXX money transfers coming out of my account and into an account of someone that i do not know nor have i ever sent them money. XXXX transaction was for {$200.00} the other was for {$75.00} and both of these were done on the same day ( XX/XX/year> ). I reached out to capital one and filed a claim for fraud with the intentions of me getting my money back. The bank refunded me for {$75.00} but not for the {$200.00} even though they were both done on the same day and both transactions had the same name connected to them. Instead of giving me my money back they gave me a credit for {$2.00} which i thought was unacceptable so am seeking other options on how to get my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: LA

Complaint narrative:
In reviewing my credit reports in XXXX and XXXX XXXX, I discovered that my federal student loans are being reported multiple times across different servicers, including XXXX, Aidvantage, and XXXX. These duplications appear under different account numbers but represent the same original Department of Education loans, resulting in inflated balances and a misrepresentation of my overall debt. Between XXXX XXXX XXXX XXXX, I submitted disputes to the credit reporting agencies ( XXXX XXXX XXXX ) and contacted the servicers requesting verification and correction. To date, no action has been taken to resolve the duplicate reporting. This is affecting my debt-to-income ratio, credit utilization, and eligibility for financial products and housing. I am requesting a full investigation, validation of the accurate and current servicer, and removal of all duplicate student loan entries from my credit reports under the Fair Credit Reporting Act ( FCRA ). I am also requesting confirmation from the servicers that they have coordinated with the Department of Education or XXXX to reflect only accurate and non-redundant loan data. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and 1681s-2, I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. Once a dispute is filed, credit reporting agencies are required to conduct a reasonable reinvestigation within 30 days. If the information in question is found to be inaccurate, incomplete, or unverifiable, it must be deleted or corrected. Additionally, data furnishers, such as student loan servicers like XXXX, Aidvantage, and XXXX, are prohibited from reporting information they know or reasonably should know is inaccurate. If these accounts are duplicative or were transferred among servicers, only the current servicers account should appear on my credit report. Multiple entries for the same obligation are misleading and inflate my reported debt, which is a violation of FCRA accuracy standards. Furthermore, under the Uniform Commercial Code ( UCC ) 9-210, I have the right to request an accounting of the obligation and a verification of the entity currently servicing or owning the debt. This supports my request that each reporting entity provide documentation validating the accuracy of the account they are reporting. If any servicer is reporting a transferred, closed, or reassigned loan, that account should be removed immediately to comply with federal law. These duplications are causing material harm to my creditworthiness and must be corrected without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 2025-07-19 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: NY

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 2025-07-19 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: AL

Complaint narrative:
b"Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act (FCRA) Section 605b, I have reported the incident to the Federal Trade Commission (FTC) through their website at https://www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B (a), Credit Reporting Agencies are required to investigate any information in the consumer's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt.\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

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 2025-07-19 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: IA

Complaint narrative:
THEIR ARE FRAUD ACCOUNTS REPORTING ON MY CREDIT FILE

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 2025-07-19 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: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-07-19 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: IN

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to comply with 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires them to provide a detailed description of their reinvestigation procedures upon request. I formally requested that the agency disclose the steps it took to verify disputed items on my credit reportincluding the name and contact details of the furnisher, the individual they communicated with, and the documentation used to validate the accounts accuracy. Despite this request, the agency has not responded with the required information within the 15-day timeframe mandated by law. This lack of transparency and procedural disclosure is a violation of my rights under the FCRA.

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 2025-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX, P.C., representing Bank of America in a debt collection case ( Cause No. XXXX ) filed in XXXX XXXX XXXX, Texas XXXX 

On multiple occasions, I submitted written requests for debt validation pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). My letter dated XX/XX/year>, specifically requested : A copy of the original signed contract, A complete chain of title reflecting all assignments or transfers, A full itemized accounting of the debt, and Proof that the firm is licensed and authorized to collect debt in Texas. 

In response, the only documentation I received were generic billing statements. Despite their failure to provide proper validation, the firm continued its collection efforts and pursued enforcement of a default judgment that was obtained through a materially false Return of Service. 

The process server claimed to have personally served me, describing an individual who does not match my appearance. In reality, I was not home, and the legal documents were handed to my son without any authorization or court-approved alternative service. This raises serious concerns regarding due process and misrepresentation to the court. 

On XX/XX/year>, I received a letter from XXXX XXXX XXXX referencing the default judgment. I immediately responded by phone and by certified mail. I reasserted my dispute on XX/XX/year>, and provided a court-stamped copy of my Answer, filed on XX/XX/XXXX, XXXX within the required XXXX response period. I also spoke to an account XXXX, XXXX XXXX XXXX, on XX/XX/year>. He confirmed he could not locate my Answer in their system and requested that I email it directly to their office at XXXX, which I did under account number S/H XXXX. 

Despite having received proof that I answered the lawsuit on time, XXXX XXXX XXXX did not withdraw their request for default judgment. Instead, on XX/XX/year>, I received another letter from their office. However, once again, the only documentation enclosed were credit card billing statementsnot the required legal documents to substantiate or validate the debt. 

XXXX XXXX XXXX actions constitute violations of the FDCPA by attempting to collect a debt that remains unvalidated and by submitting materially false service information to the court. I am requesting that the CFPB investigate this matter and take appropriate enforcement action. I also request that this account be withdrawn and permanently removed from my credit report due to the improper collection and legal practices involved.

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 2025-07-18 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: AL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. According to 15 U.S. Code 1681c-2 there should not be any damages on my report, it is a defamation of my character.

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 2025-07-19 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: Exeter Finance, LLC.
State: MI

Complaint narrative:
A company claiming the name of XXXX, whose actually name is Exeter Finance, has hard checked my credit report without my consent for a vehicle loan. The number and email listed to contact this company does not exist and the line isnt connected. Ive had to dig up the actually company name of Exeter finance LLC and contacted them, of which they refused to give any information about the company and just claimed to be legit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: TX

Complaint narrative:
Spoke with XXXX agent # XXXX on XX/XX/year> about the late payment on my credit profile and she was not able to verify that I have this late payment. I was then transferred to a supervisor named XXXX agent # XXXX @ XXXX. XXXX was not able to locate this late payment and gave me the phone number to the credit bureau. Experian keeps verifying the information is correct but how could they when XXXX XXXX could not validate this 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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: OK

Complaint narrative:
The vehicle financed with Kia Motors was deemed a total loss in a car accident ( no fault of ours ). There was a small balance on the car that I paid to satisfy the account. I have called Kia several times to correct their incorrect reporting and they assured me they would but checking now, more than 3 years later, it is still showing bad on my credit.

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