vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CORELOGIC INC
State: OH

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding repeated and unresolved violations by one or more consumer credit reporting agencies ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Fair and Accurate Credit Transactions Act ( XXXX ). 
On [ Insert Original Dispute Letter Date ], I submitted a comprehensive dispute to all major credit bureaus regarding numerous inaccurate, unverifiable, and outdated items appearing on my credit report. These included : Improper reporting of a XXXX  XXXX bankruptcy without court-verified sourcing Over 34 unauthorized and unverifiable hard inquiries Accounts discharged in bankruptcy that are still listed as charge-offs Inaccurate late payment history and unverifiable derogatory data To date, I have received little or no response and no documented method of verification, as required by FCRA 1681i ( a ) ( 6 ). The credit reporting agencies have either failed to investigate or continue to report inaccurate information in violation of federal law. 
Key Violations Include : FCRA 1681i : Failure to reinvestigate within 30 days FCRA 1681e ( b ) : Failure to ensure accuracy FCRA 1681n and 1681o : Willful and negligent noncompliance FDCPA 809 ( b ) : Failure to validate debts and tradeline accuracy I have attached a copy of my dispute letter, identity documents, and relevant credit report pages showing the erroneous items. 
I am requesting that the CFPB initiate a formal investigation into the practices of the agencies involved and require full correction or deletion of the disputed entries. I also request that the CFPB inform me of any response or resolution provided by the agencies. 
Sincerely, \ XXXX XXXX XXXX Signature XXXX XXXX Phone : XXXX Email : [ Insert Your Email ] 1 Enclosures : Original dispute letter ( dated [ Insert Date ] ) Proof of identity ( ID and utility bill ) Annotated credit report excerpts CC : Federal Trade Commission ( FTC ) Ohio Attorney Generals Office

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 2025-07-26 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I received confirmation that my claim was accepted in the class action settlement for the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Following this breach, I've observed unusual activity on my credit report, including several unrecognized hard inquiries and negative entries that I did not authorize or initiate. 

As a consumer, I take my financial integrity seriously and actively monitor my credit. These unauthorized inquires and adverse entries only began appearing after the reported breach, which leads me to believe my personal information may have been compromised and misused. 

Under the FCRA specifically 15 U.S. Code 1681e ( b ), I have the right to dispute inaccurate or unveriable information. I am requesting a full investigation into these items and, if found to be inaccurate or unauthorized, I expect them to be removed promptly to prevent further damage to my credit profile.

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 2025-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to formally dispute an unauthorized hard inquiry that appears on my TransUnion and on my Experian credit report. After carefully reviewing my report, I noticed an inquiry for each bureau from the creditor that I did not authorize.

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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
I submitted a request to update my current address with all three credit bureaus ( Equifax, Experian, and TransUnion ), but I have not received any response. Please note that I have been living at the same address since I arrived in the United States and have not moved.

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 2025-07-26 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: ME

Complaint narrative:
I submitted a request to update my current address with all three credit bureaus ( Equifax, Experian, and TransUnion ), but I have not received any response. Please note that I have been living at the same address since I arrived in the United States and have not moved.

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 2025-07-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Credit card company committed phishing against me with social engineering intent to to deceive or cause financial loss and reputational damage with misuse of my card and have exceeded my limits. Running up high balances with this account. I had XXXX accounts checking savings and also XXXX credit cards. I have clothes, the checking and savings because when I would go to take money out they would refuse to let have access to any of my funds. Months later they close my credit card accounts without my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: NM

Complaint narrative:
UNauthorized use of Trademark XXXX XXXX STANDARD TRADEMARK USAGE FEE OF XXXX XXXX $ XXXX. Low inaccurate inequitable score no positive payment history on record and nobody has Trademark usage permission just like XXXX  did not or XXXX  or Equifax or XXXX or anyone whatsoever and for any Company to profit off my Trademark is stealing and CPFB is not enforcing anything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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:
Equifax, I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. My personal information has been compromised through Equifax data breach, XXXX data breach and XXXX XXXX data breach. Please remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. The fraudulent accounts are as follows : XXXX XXXX {$1200.00}. XXXX XXXX  {$6300.00}. XXXX XXXX XXXX {$1100.00}. XXXXXXXX XXXX XXXX is not mine. Section 605B of the Fair Credit Reporting Act, REQUIRES you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 15 USC 1681i requires 100 % accuracy of all reported information.

Additionally, Equifax has allowed re- insertion of some items to my credit report. This is a request for your method of verification under Section 611 of the FCRA. Equifax 's response should include the documents used to confirm the accuracy of all " verified and or re-inserted tradelines reported tradelines. This includes but is not limited to XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX Original credit application, account statements, or accurate identification. I appreciate your prompt attention to this matter, and await your reply. FTC report attached. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NY

Complaint narrative:
I am disputing two negative accounts reporting on my credit file : 1. Jefferson Capital Systems LLC is reporting two separate collection accounts : One opened on XX/XX/XXXXXXXX  for {$1000.00} Another opened on XX/XX/XXXX for {$730.00} Last four numbers XXXX  These appear to be duplicates or re-aged versions of the same debt, which is not allowed under the Fair Credit Reporting Act ( FCRA ). I did not receive validation notices or a breakdown of the original debts. I submitted a formal written dispute but have not received resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My account with XXXX  EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX  EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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 2025-07-26 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: Westlake Services, LLC
State: FL

Complaint narrative:
I previously submitted a formal dispute to this Credit Reporting Agency via the cfpb portal on XX/XX/year>XXXX  requesting validation of an account being reported on my consumer report - see Complaint ID XXXX. I identified the account as inaccurate and unverifiable. In that same dispute I specifically requested Validation of the account to include all documentation as the law mandates that the Credit Reporting Agency is obligated to provide if in fact they investigate and determine it to be a verified account and reporting accurately. 
The agency responded claiming it had completed a " manual verification '' with the furnisher and that the account was verified as accurate. However, this was a misrepresentation and no legally sufficient documentation was ever provided to me as I had specifically requested, nor was any such documentation included in the reinvestigation process by the furnisher, as required by law. 
Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), the CRA and furnisher were obligated to provide documentation sufficient to validate the debt and verify its accuracy. This includes : A copy of the original signed contract creating the alleged debt ( FCRA 1681s-2 ( b ) ( 1 ) ( D ) ; FDCPA 1692g ( b ) ) ; A complete itemized accounting of the balance, including fees, interest, and payments ( FDCPA 1692g ( a ) ( 1 ) ) ; The name and address of the original creditor ( FDCPA 1692g ( a ) ( 2 ) ) ; Proof of legal authority to collect and report the debt ( e.g., chain of title or assignment ) ( FCRA 1681s-2 ( b ) ( 1 ) ( D ) ) ; Evidence that a reasonable investigation was conducted, including evaluation of all consumer-submitted documentation ( FCRA 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 4 ) ). 


None of this documentation was provided. The credit reporting agency simply parroted information received from the furnisher, which does not satisfy the legal obligation to conduct a reasonable and independent investigation. The FCRA prohibits CRAs from blindly relying on data from third parties. They are directly liable under FCRA 1681i for failing to evaluate the accuracy and validity of disputed information, regardless of the furnisher 's claim.

By failing to obtain or provide actual proof of the debt, and by relying solely on unverifiable third-party assertions, the CRA has violated my consumer rights under FCRA 1681i, 1681e ( b ), and 1681s-2 ( b ).

Summary of Violations : Failure to conduct a reasonable investigation as required by law ; Improper reliance on unverified third-party information ( " parroting '' ) ; No legally sufficient documentation provided ; Continued reporting of inaccurate, incomplete, and unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Approximately a month ago I finally decided to look into my credit report because I decided to get a car and I was shown my credit report and it showed me closed accounts that became collections, the two carss were a XXXX XXXX  card and XXXX XXXX XXXX account. That became closed an had a balance collection on them that was destroying my credit but I had never opened those credit accounts.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am filing a complaint against my loan servicer, XXXX, for inaccurately reporting multiple late payments on my credit report. 

I was repeatedly told by loan officers at XXXX that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. 

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with XXXX, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

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 2025-07-27 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
On XX/XX/XXXX, I made a {$1100.00} XXXX payment via the Target app, which froze due to a site upgrade. Since I received no payment confirmation, I assumed the payment had failed and submitted another {$1100.00} payment on XX/XX/XXXX. Both payments were processed, resulting in a payment of {$2200.00}. Despite repeated calls and escalations throughout XXXX, XXXX, and XXXX, I received no refund for one of the payments until XX/XX/XXXX, when I was finally issued a physical check, which was dated XX/XX/XXXX. I believed the issue was resolved until XX/XX/XXXX, when Target billed me {$1100.00} again. Following another call, I was told an investigation would be launched. Target now claims they refunded the first payment electronically on XX/XX/XXXX ( which I never received ) and also returned the second payment via the physical check. The fact that they stated they returned the second payment is clear that this is a system issue as I only requested to be refunded one of the payments. However, based on this, they are charging me {$1100.00} again and have added late fees. I have confirmed with my bank that I only received the refund check and no refund was ever issued to my XXXX account on XX/XX/XXXX. Despite this, Targets Disputes department falsely claimed I withdrew my dispute, closed the case, and is holding me responsible for the charge. Ive contacted multiple representatives over four months, escalated to XXXX XXXX and executive leadership, and yet the issue remains unresolved. I am now concerned this accounting error, despite my good faith efforts to fix it, will damage my credit through no fault of my own. I am requesting the CFPBs assistance in ensuring that Target corrects this error and removes any erroneous charges and late fees from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Mercari, Inc.
State: CA

Complaint narrative:
In XX/XX/year>, I noticed that my Mercari account was suddenly restricted and later permanently closed without prior notice or a clear explanation. Prior to this, I had over {$1100.00} in sales revenue from legitimate transactions with satisfied customers. I provided tracking numbers, customer feedback, and even submitted requested documentation to verify the authenticity of the products I sold. 

Despite my compliance and transparency, Mercari deducted funds from my balance for undisclosed reasons and canceled several of my orders without my consent or opportunity to dispute. I reached out multiple times to seek clarity on the withdrawals and account closure, but I never received a clear or sufficient response. These actions led to lost revenue, frozen funds, and reputational damageall outside of my control. 

I have made multiple efforts to resolve this matter directly with Mercari by requesting an explanation, account reinstatement, and the return of withheld funds, but I have not received any support or meaningful resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bounce AI, Inc.
State: FL

Complaint narrative:
I am submitting this complaint because there is a collection account listed on my credit report that I do not recognize and for which I have never signed any contract or agreement. I have no knowledge of this debt, and I have never received any bills, notices, or verification of this account from the original creditor or the collection agency. 

Despite my attempts to resolve this directly with the credit bureaus and the collection agency, the account remains on my credit report, negatively affecting my credit score.

I never entered into any agreement or contract with the creditor or collection agency.

I have requested verification of the debt, but I have not been provided with any legitimate documentation.

This collection account is inaccurate, unverified, and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery is reporting a collection account that was dismissed in court. I was sued and won they had no legal standing to collect. The debt is invalid, but they continue to report it to XXXX XXXX XXXXn. 

Ive submitted disputes with documentation showing the court 's decision, but the account remains. This violates the Fair Credit Reporting Act and damages my credit unfairly. I am requesting immediate removal of this tradeline from all credit bureaus. Supporting documents are attached.

Company response to consumer: Closed with explanation