vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 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: 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 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 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 2025-10-21 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: TN

Complaint narrative:
I am writing to formally submit a complaint regarding multiple inaccuracies on my credit report and unauthorized inquiries that have negatively impacted my creditworthiness. Despite my efforts to resolve these issues directly with the reporting institutions, these discrepancies persist. 

XXXX. Incorrect Address Reporting : XXXX XXXX XXXX XXXX XXXX XXXXXXXX This address is incorrect and should not appear on my credit file. 

XXXX. Accounts Reporting Late Payments or Charge-Offs Inaccurately : XXXX ( Account : XXXX ) Opened XX/XX/XXXX, High Credit {$1900.00} Reported as late payment XXXX ( Account : XXXX ) Opened XX/XX/XXXX, High Credit {$2200.00} Reported as late payment XXXX XXXX XXXX ( Account : XXXX XXXX XXXX XX/XX/XXXX, High Credit {$500.00} Reported as charge-off XXXX XXXXXXXX XXXX ( Account : XXXX ) XXXX XX/XX/XXXX XXXX High Credit {$3000.00} Reported as collection XXXXXXXX XXXX XXXX ( Account : XXXX ) XXXX XX/XX/XXXX XXXX High Credit {$16000.00} Reported as charge-off XXXX XXXX XXXX & XXXX ( Account : XXXX ) XXXX XX/XX/XXXX Reported as charge-off XXXX ( Account : XXXX ) Opened XX/XX/XXXX, High Credit {$2400.00} Reported as charge-off XXXX XXXX XXXX ( Account : XXXX ) Opened XX/XX/XXXX, High Credit {$520.00} Reported as charge-off XXXX ( Account : XXXX ) Opened XX/XX/XXXX, High Credit {$250.00} Reported as late payment XXXX XXXX ( Account : XXXX ) Opened XX/XX/XXXX, High Credit {$720.00} Reported as late payment XXXX XXXX ( Account : XXXX ) Opened XX/XX/XXXX, High Credit {$550.00} Reported as late payment XXXX XXXX  ( Account : XXXX ) Opened XX/XX/XXXX Reported as charge-off XXXX. Unauthorized Credit Inquiries : The following inquiries were made without my authorization and are violations under FCRA Section 604 ( a ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I demand an immediate investigation into these discrepancies and unauthorized inquiries. All incorrect information must be corrected or removed, and I expect written confirmation that the necessary changes have been made. Failure to resolve these issues promptly may leave me with no choice but to pursue legal remedies to protect my rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: TX

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I previously submitted a written dispute to XXXX XXXX  dated XX/XX/year>, regarding an account that is being inaccurately reported on my credit file. Despite providing all the necessary identifying information and requesting verification under the Fair Credit Reporting Act ( FCRA ), CAPITAL ONE has failed to respond, verify, or correct the information within the required thirty ( 30 ) days. Under 15 U.S.C. 1681s-2 ( b ), the furnisher of information is required to conduct a reasonable investigation once a dispute has been received. Since XXXX XXXX  did not provide any documentation to substantiate the accuracy of the reported account, they are now in noncompliance with federal law and continue to furnish unverifiable and misleading data to the credit bureaus. This inaction has caused harm to my consumer credit profile and has obstructed my efforts to maintain accurate and fair reporting. I am therefore seeking the CFPBs intervention to ensure CAPITAL ONEs immediate compliance with FCRA requirements. CAPITAL ONE XXXX & CAPITAL ONE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX To : Experian XXXX XXXXXXXX XXXX XXXX, XXXX  XXXX Subject : Formal Demand for Verification and Removal of Unauthorized Hard Inquiries To Whom It May Concern, I am formally disputing the hard inquiries listed below that appear on my Experian credit report. These inquiries were not authorized by me, and I am demanding immediate verification and removal of any unverified entries. 

Due to the federal government shutdown, I was unable to file an FTC Identity Theft Report, as the FTC portal has been unavailable. However, under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b ( a ), 604 ( f ), and 611 ( 15 U.S.C. 1681i ) you are still required to verify all inquiries and ensure no one accessed my credit file without my written consent.

I demand that you produce documented proof including any signed credit applications, authorization forms, or other written consents verifying that I granted permission for the inquiries listed below. 

Hard Inquiries Reported by Experian XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Legal Notice A billing statement, printout, or system note is not proper validation under federal law. Submitting such documents as verification constitutes a willful violation of FCRA 604 ( f ) and 611 ( a ).

If Experian can not provide signed proof of authorization for each of these inquiries within 30 days, you are legally required to delete them immediately under 15 U.S.C. 1681i ( a ) ( 5 ).

Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Illinois Attorney Generals Office. I also reserve the right to pursue civil remedies for damages under 15 U.S.C. 1681n and 1681o.

This is a final demand for verification and removal. If Experian can not provide proof that I authorized these inquiries, they must be permanently deleted from my credit file. 

Sincerely, 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 2025-10-21 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I am experiencing identitytheft/mixedfile issues and crossbureau inaccuracies. Specialty banking/alternative credit files are contributing to credit denials. I submitted disputes and 605B identitytheft blocks under the Fair Credit Reporting Act ( FCRA ) to Innovis, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX ( XXXX  ), XXXX XXXX ( XXXX ), XXXX XXXXXXXX, and XXXX. 

The issues include : ( 1 ) reinserted or unverifiable items without 611 ( a ) ( 5 ) ( B ) certification/5day notice ; ( 2 ) conflicting tradeline data across bureaus ( status, payment dates, terms, high credit, last reported ) ; ( 3 ) incomplete/contradictory latepayment strings ( Metro 2 Code 162 defects ) ; and ( 4 ) hard inquiries lacking a documented permissible purpose/authorization ( 604 ).

I requested ( a ) deletion of unverifiable/inaccurate items ; ( b ) identitytheft blocking under 605B ; ( c ) full Method of Verification ( furnisher/member code, documents reviewed, signature/econsent with IP/device logs ) ; ( d ) correction of my personal information to a single legal name/current address per 607 ( b ) ; and ( e ) confirmation of security freezes and permanent optouts.

Despite these requests, I have not received adequate verification or corrections. Some items remain inaccurate/unverifiable or appear to have been reinserted without required notice. These errors are materially impacting my ability to qualify for credit and business funding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: IL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: IL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-10-21 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: ME

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-10-22 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: DC

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
Re : Account allegedly owed to XXXX XXXX XXXX. 

Dear Sir or Madam, I am writing in response to your communication regarding an alleged debt that you claim I owe to XXXX XXXX XXXX. I hereby dispute this debt in its entirety and request full validation pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). 

I do not owe any debt to XXXX XXXX XXXX and have no knowledge or record of any such account. Additionally, I am a victim of identity theft and human trafficking, and therefore any account or obligation opened or incurred under my name without my consent is fraudulent. 

Until you provide complete and verifiable documentation proving that I am legally responsible for this alleged debt, you are required to cease all collection activities, including reporting this account to any credit reporting agency or pursuing further contact. 

Please provide : XXXX. A copy of any contract or document bearing my signature showing I agreed to this debt ; XXXX. The full name and address of the original creditor ; XXXX. An itemized statement of the amount claimed ; and XXXX. All records of payments, interest, or fees allegedly incurred. 

Be advised that any continued attempts to collect without proper validation, or to report unverifiable information to the credit bureaus, will be documented and may be reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

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

Company 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 2025-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Transworld System Inc for XXXX XXXX opened XX/XX/year>. I contacted Transworld and they basically didn't offer any confirmation this was my debt. At the time I was living with family members and did not have any utility services. There is no way this is my debt. I have contacted XXXX XXXX and provided my social security #, name, address and drivers license information. They have no record of me on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$670.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$200.00} XXXX XXXX XXXX IN # XXXX XX/XX/XXXX -- {$1100.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1100.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$2500.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$690.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1600.00}

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