vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Issue Type : Incorrect information on your credit report Company : Equifax XXXX XXXX XXXX XXXX ( select the XXXX youre submitting this complaint against ) Complaint Details : I am filing this urgent complaint because the credit reporting agencies are violating the Fair Credit Reporting Act ( FCRA ) by re-inserting previously deleted collection accounts without proper certification or notification. These accounts are showing back up on my credit report after being removed, which is a violation of XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( B ). 

Specifically : XXXX XXXX XXXX XXXX XXXX XXXX XXXX My score was unfairly reduced by over XXXX points due to this unlawful re-reporting. Once an item is removed, the data furnisher must provide a certification of accuracy before re-inserting it. I was not notified within the XXXX business days as required by law, and I did not receive any documentation validating these accounts. 

These actions are unlawful, XXXX, and appear to be a coordinated attempt to XXXX my financial progress. I have disputed these accounts multiple times, and yet they continue to show up, XXXX my reputation and access to fair credit. 

I demand an immediate reinvestigation and permanent deletion of these accounts as required by FCRA. I also request that the CFPB investigate these recurring patterns of FCRA violations by the agencies and data furnishers involved. 

Supporting documentation is available and has been submitted to the credit bureaus. I respectfully ask the CFPB to intervene to stop this unlawful behavior and ensure these accounts are permanently deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: NC

Complaint narrative:
I am filing this complaint against Equifax for failing to uphold their legal obligations under the Fair Credit Reporting Act ( FCRA ). 

I formally disputed several inaccurate accounts that are being reported on my Equifax credit report. These accounts do not belong to me and were previously removed by XXXX XXXX XXXX confirming that the information is either inaccurate, unverifiable, or obsolete. Despite this, Equifax responded to my dispute by stating they had verified the accounts and refused to remove them.

Equifaxs continued reporting of these accountswhile the other credit bureaus have already deleted themis misleading, inaccurate, and a clear violation of 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain maximum possible accuracy in consumer credit files. 

This refusal to correct or delete false data is causing ongoing harm to my credit profile and financial well-being. I am requesting that the CFPB investigate Equifax for their failure to remove these accounts and for providing me with a false and unjustified verification outcome. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX Balance : {$19000.00} Account Name : XXXX  Account Number : XXXX XXXXXXXX Balance : {$6000.00} Account Name : XXXX XXXX XXXX Account Number XXXX XXXX XXXXXXXX Balance : {$440.00} Account Name : XXXX XXXX XXXXXXXX Loan Account Number : XXXX XXXXXXXX Balance : {$12000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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 have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) XXXX XXXX presume that no proof of the alleged that debt. Nor therefore any such debt in fact, therefore exist .. ( please remove these accounts before I seek litigation for defamation of character ) XXXX  balance {$1400.00}, XXXX  XXXX balance {$6800.00}, XXXX XXXX balance {$2600.00}, XXXX  XXXX balance {$2700.00}, XXXX  balance {$1500.00}, XXXX  corporation balance {$160.00},

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 non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XX/XX/year> Dispute of Inaccurate Reporting - ACCOUNT ENDING IN XXXX Dear Equifax, Experian, and Transunion, I am writing to express my extreme frustration and disappointment with the continued inaccurate reporting of the above-mentioned account. Despite my repeated disputes, your agency has failed to accurately investigate and correct the errors. 


XXXX XXXX ACCOUNT ENDING IN XXXX This account has been reported as charged off, and reporting is innacurate I did not contract with your agency, and there is no valid basis for the debt. Your agency 's failure to investigate and correct the errors has caused me significant harm, including damage to my credit score and financial reputation.

I demand that you : 1. Immediately cease all reporting of this account until a thorough investigation is conducted.

2. Conduct a comprehensive investigation into the validity of the debt.

3. Provide me with documentation supporting the debt, including the original contract and proof of assignment. 
4. Correct the inaccurate reporting and notify the credit bureaus to remove the erroneous information.

If I do not receive a satisfactory response within 30 days of this notice, I will pursue all available legal remedies, including filing complaints with regulatory agencies and seeking damages. 

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 non-monetary relief
Consumer complaint received 2025-06-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have thoroughly reviewed my credit report and noticed several inquiries, inaccuracies and unauthorized account/information reporting to my credit, and I can confirm that I did not authorize these transactions. These remarks have been detrimental to my life and credit health. I have the right to dispute any information that is inaccurate or unverifiable, according to the ( FCRA ). I have already contacted the original creditors who pulled my credit report and filled a dispute with them as well. I kindly request that the CFPB investigate this matter and take action to ensure Transunion complies with federal law and remove these inquires immediately from my credit report as they do not belong. According to the Fair Credit Reporting Act ( FCRA ) section 1681, it is illegal to report anything to my credit report without my permission. 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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Synchrony Lowe 's card gave us a huge credit limit when we bought something. Then all of a sudden after making payments on time they dropped our credit limit. Then after numerous on time payments they closed the account because my credit rating dropped. The worst company to ever do business with. Happy to give a huge credit limit so we can buy something then drop it because we haven't been buying anything is really shady.

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 2025-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My accounts were charged XXXX XXXX XXXX in fees and i was told this would be taken care of and it never was and the account was closed. I have suffered significant financial harm due to this as well as fraud on my mortgage account which is causing me to not be able to secure a home for my family to reside in.

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 2025-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Violation of FCRA and FDCPA. Violates my right to privacy. Continues to report inaccurate and unverified information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-09 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: AZ

Complaint narrative:
Under the CARES Act, I made a debt-relief deal with XXXX XXXX ( Account Number : XXXX ), that creditor should have continued to report the debt as current during the law 's effective period. This was reported incorrectly during the law 's reporting period and must be immediately investigated and updated appropriately. Thank you.

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 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Under the CARES Act, I made a debt-relief deal with XXXX XXXX ( Account Number : XXXX ), that creditor should have continued to report the debt as current during the law 's effective period. This was reported incorrectly during the law 's reporting period and must be immediately investigated and updated appropriately. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
During the time I and process of verifying I verified a selfie photo and capital one was having technical support differences and customer service inform me that I did everything correct and there was problems with there system. I'm filing a compliant in regards to the hard inquiry where place on my credit report on the behalf there system and mistake and Im requesting the hard inquiry to be removed off my credit report please. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: CA

Complaint narrative:
I am writing to formally dispute the continued presence of inaccurate information on my credit report, despite multiple previous attempts to rectify these errors. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and completeness of the information you report. These inaccuracies have adversely affected my creditworthiness and have caused undue stress and financial hardship. 

I would like to draw your attention to recent enforcement actions that underscore the importance of accurate credit reporting : The CFPB sued Experian for failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
XXXX XXXX  was fined nearly {$28.00} XXXX for providing inaccurate, negative information about its customers to credit reporting agencies and for delays in correcting errors. 
XXXX faced a {$23.00} XXXX fine for failures related to tenant screening and security freezes, which included not ensuring the accuracy of rental background checks. 

These cases highlight the serious consequences of non-compliance with the FCRA.

I am requesting that you : 1. Conduct a thorough and impartial reinvestigation of the disputed items.

2. Delete or correct all inaccurate, incomplete, or unverifiable information.

3. Provide me with a copy of the updated credit report reflecting these changes. 

XXXXXXXX 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 2025-06-09 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: MD

Complaint narrative:
I am filing this complaint to dispute XXXX hard inquiries that were made to my credit report by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/year> XXXX XXXX  ( XXXX  ) on XX/XX/year> I applied for credit with these institutions in good faith. However, I was not extended any form of credit, approval, or account, and I believe these hard inquiries should not remain on my credit report as they serve no valid purpose and negatively impact my credit profile. 

According to the Fair Credit Reporting Act ( FCRA ), hard inquiries should only be recorded when credit is extended or a permissible purpose exists with proper authorization. Since no credit was granted, I respectfully request that these financial institutions delete the hard inquiries from my credit report.

These inquiries may also constitute a violation of FCRA Section 604 ( 15 U.S. Code 1681b ), which governs permissible purposes for obtaining consumer reports. Without resulting credit or continuing business relationship, there is no justifiable reason to maintain these inquiries.

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 2025-06-09 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: PA

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-06-09 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:
See Attachments Below! 
My consumer law rights have been violated! As follows : 12 U.S.C. 5301 et seq.

5 U.S.C. 551 et seq.

15 U.S.C. 1666

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 2025-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the continued presence of inaccurate information on my credit report, despite multiple previous attempts to rectify these errors. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and completeness of the information you report. These inaccuracies have adversely affected my creditworthiness and have caused undue stress and financial hardship. 

I would like to draw your attention to recent enforcement actions that underscore the importance of accurate credit reporting : The CFPB sued XXXX for failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
XXXX XXXX was fined nearly {$28.00} XXXX for providing inaccurate, negative information about its customers to credit reporting agencies and for delays in correcting errors. 
TransUnion faced a {$23.00} XXXX fine for failures related to tenant screening and security freezes, which included not ensuring the accuracy of rental background checks. 

These cases highlight the serious consequences of non-compliance with the FCRA. 

I am requesting that you : 1. Conduct a thorough and impartial reinvestigation of the disputed items.

2. Delete or correct all inaccurate, incomplete, or unverifiable information.

3. Provide me with a copy of the updated credit report reflecting these changes. 

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 non-monetary relief
Consumer complaint received 2025-06-09 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: CA

Complaint narrative:
I am writing to formally dispute the continued presence of inaccurate information on my credit report, despite multiple previous attempts to rectify these errors. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and completeness of the information you report. These inaccuracies have adversely affected my creditworthiness and have caused undue stress and financial hardship. 

I would like to draw your attention to recent enforcement actions that underscore the importance of accurate credit reporting : The CFPB sued XXXX for failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
XXXX XXXX was fined nearly {$28.00} XXXX for providing inaccurate, negative information about its customers to credit reporting agencies and for delays in correcting errors. 
TransUnion faced a {$23.00} XXXX fine for failures related to tenant screening and security freezes, which included not ensuring the accuracy of rental background checks. 

These cases highlight the serious consequences of non-compliance with the FCRA.

I am requesting that you : 1. Conduct a thorough and impartial reinvestigation of the disputed items.

2. Delete or correct all inaccurate, incomplete, or unverifiable information.

3. Provide me with a copy of the updated credit report reflecting these changes. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief