vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 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: TX

Complaint narrative:
I am disputing an unauthorized hard inquiry listed on my credit report. I have not applied for credit, nor have I authorized any entity to access my credit information for the purpose of this inquiry.

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 2025-08-20 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: Bridge IT, Inc.
State: NY

Complaint narrative:
Follow-Up Dispute to CFPB Brigit Credit Reporting Complainant : XXXX XXXX XXXX XXXX : XXXX Dear CFPB, I am submitting this follow-up regarding Brigits response to my original complaint. While Brigit claims their reporting was accurate, their explanation does not address the core issue : they reported my account with one 30-day late and two back-to-back 60-day late payments, which misrepresents the true payment history and inflates the severity of delinquency. 

Basis of Dispute 1. FCRA Accuracy Requirement ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : Credit furnishers must not report information that they know or reasonably should know is inaccurate. Reporting two consecutive 60-day lates for the same delinquency is duplicative and misleading. It suggests a longer delinquency than actually occurred.

2. Misrepresentation of Delinquency Timeline : Brigits own response confirms that only three payments ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year> ) were returned. That would justify a single sequence of delinquency reporting, not a 30 + 60 + 60 chain. Proper credit reporting should reflect a single rolling delinquency, not multiple stacked late codes that exaggerate risk. 
3. Failure to Consider Account Closure & Payment : Brigit states that when the Credit Builder account was closed on XX/XX/year>, they applied funds in the XXXX account and reported the loan as closed as paid. Despite that, they left multiple derogatory late codes. This is inconsistent with FCRAs requirement that data be both accurate and not misleading. 
4. Material Harm : These inaccurate late notations severely damage my credit profile, reduce my access to affordable credit, and are being relied upon by lenders to my detriment.

Requested Resolution Immediate deletion or correction of the inaccurate 30- and 60-day late payment entries reported for XXXX XXXX. At most, one late sequence should be reflected, not multiple overlapping derogatories. 
Brigit should issue updated reports to all three major credit bureaus ( XXXX XXXX XXXX ) showing the corrected history. 
Confirmation of corrective action should be provided to me and the CFPB. 

Brigits current stancethat the reporting is correctfails to address this inaccuracy. By maintaining duplicative derogatories, they are in violation of the FCRAs accuracy provisions. I respectfully request that CFPB require Brigit to correct or remove the misleading reporting. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: CA

Complaint narrative:
PLEASE I CAN'T DO THIS ANYMORE SOMEONE TRIED TO DO FRAUD ON MY NAME WITHOUT ME EVEN KNOWING. I CALLED THE BANK AND MADE SURE THAT NOTHING ELSE IS BEEING HANDED OUT TO THIS PEOPLE AND I AM PLANING ON GOING TO THE POLICE STATION TO SEE WHOS BEHIND ALL THIS FRAUD AND I NEVER EVER IN MY LIFE HAVE WORKED WITH THIS BANK SO PLEASE REMOVE THIS FRAUD FROM MY NAME THE BANK HAS REMOVED IT FROM THEIR SISTEM ALREAYD AND I WILL DO MY BEST TO FIND OUT WHO DID THIS. I REPEAT THIS IS FRAUD AND I AM NOT THE PERSON WHO APPLIED OR GOT THIS STUFF. 
XXXX XXXX  XXXX XX/XX/year> {$8000.00} PLEASE REMOVE THIS FRAUD FROM MY NAME THE OTHER CREDIT BUREAUS XXXX  AND XXXX  HAVE ALREAYD REMOVED THIS FRAUD FROM MY NAME I DON'T KNOW WHY ITS TAKING SO LONG.

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 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am filing this complaint against Experian Information Solutions , Inc. for failing to conduct a reasonable reinvestigation and for continuing to report inaccurate information in violation of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting standards. 

Background Since XX/XX/year>, I have disputed three XXXX XXXX XXXX XXXX accounts with Experian multiple times ( XXXX, XXXX, XXXX, and XX/XX/year> ). Each time, Experian marked the accounts as updated, but left all structural inaccuracies intact. This constitutes an unreasonable reinvestigation under FCRA 611 ( a ) and a failure to ensure maximum possible accuracy under FCRA 607 ( b ). 

Violations Experian continues to report these XXXX accounts with the following errors : XXXX XXXX Field 71 ( Account Status ) : Improperly showing past due balances instead of outstanding balance due. 

XXXX XXXX XXXX XXXX ( Terms ) : Reporting 1 Month, which is prohibited for collections. 

XXXX XXXX XXXX  XXXX ( Scheduled Monthly Payment ) : Furnished as Not Reported instead of XXXX. 

XXXXXXXX XXXX XXXX XXXXXXXX ( Payment History Profile ) : Improper delinquency codes ( C, ND ) applied month-to-month on collections. 

XXXXXXXX XXXX XXXX XXXXXXXX ( Credit Limit/Original Amount ) : Reported as Credit Limit or Original Amount. Collections must only show Original Amount. 

Despite clear violations, Experians reinvestigations merely refreshed the recent balance date without correcting these inaccuracies. This shows that Experian is certifying false information furnished by XXXX. 

XXXX XXXX XXXX XXXX  Experian Dispute Results ( showing Updated but no corrections ). 

XXXX XXXXXXXX : Experian Credit Report ( annotated with violations ). 

XXXX XXXXXXXX ( optional ) : Debt Validation Letter sent to XXXX ( XX/XX/year> ), showing that XXXX failed to provide validation, yet Experian continues to verify their data.

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 2025-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Im filling this complaint to have an unauthorized collection removed from my credit report I C system report an collection on my report with out my knowledge or consent XXXX XXXX XXXX {$900.00} XX/XX/scrub>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 2025-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One had an offer for 11 % cash back when you used the credit card at XXXX I used the card on XX/XX/2025 in the amount of {$260.00}. Capital One never issued the {$28.00} cash back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-20 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: CA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-08-20 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:
There are several inaccuracies on my credit report

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 2025-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK
State: MD

Complaint narrative:
This is a continuation of my original complaint regarding Discovers handling of my charged-off account and their referral to XXXXXXXX XXXX XXXXXXXX without XXXX notification. Despite my previous request for debt validation and written notice of my right to dispute, Discover failed to provide these disclosures. Instead, they blocked access to my online account, redirected me to outside legal counsel ( XXXX XXXX XXXX ), and did not send me any formal notification that the debt had been placed with a third-party collector. 

XXXX XXXX XXXX later accepted a payment without ever sending required debt validation. This confirms that they were collecting without proper documentation a violation of federal law. Furthermore, Discover has not clarified their involvement in this arrangement or acknowledged the compliance issues raised. 

I stand by my initial request that this debt be marked as settled, uncollectible, and legally unlitigatable based on these unresolved violations. I am submitting this as a formal update to ensure my record reflects the full extent of misconduct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: MI

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

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

15 U.S.C section 604 A Section 2 : 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 7 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/year>, U.S. Bank closed my XXXXXXXX XXXX XXXX account without prior notice. I discovered this when I called customer service on XX/XX/year>. At the time of closure, I had a remaining balance of XXXX XXXX points. I attempted to redeem these points, but was informed that redemption was no longer possible due to the account being closed. I believe this is unfair, as the points were earned while the account was active and should remain redeemable even after closure. My efforts to resolve this through customer service were unsuccessful.

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 2025-08-20 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: FL

Complaint narrative:
I am writing to demand immediate action regarding the inaccuracies and unverifiable information reflected on my credit report. After thoroughly reviewing my report, I have identified the following accounts that you have failed to substantiate as accurate or legitimate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Under 15 USC 1666B, it is unlawful for a creditor to report a payment as late if they have not ensured the periodic statement, containing the necessary details as per section 1637 ( b ), was mailed or delivered to the consumer at least 21 days before the due date. The creditors associated with these accounts have failed to meet this statutory requirement. As such, all reported late payments must immediately be corrected to reflect on-time payments. 
Furthermore, I have experienced unlawful adverse actions by lenders, violating 15 USC 1691c and 15 USC 1692k. These actions are punishable under civil liability laws. Discrimination in credit decisions, as outlined in 15 USC 1691, is strictly prohibited. Additionally, unauthorized hard inquiries have been placed on my consumer report, despite my never granting consent for their disclosure or use. Such actions violate 15 USC 1681b, and I demand the immediate removal of all unauthorized hard inquiries and any inaccurate personal information from my report.

Reporting any unverifiable information is illegal under federal law. Per 15 USC 1692g, you are required to provide tangible proof that I am legally obligated to these accounts. Your failure to provide such documentation constitutes a violation of the FCRA and FDCPA, and I remind you that any data not independently verified must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: EQUIFAX, INC.
State: MA

Complaint narrative:
The following unauthorized inquiries must be deleted from my consumer report immediately. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These hard inquiries were reported without my written consent and are the direct result of identity theft, as defined by the Federal Trade Commission. They are not connected to any transaction I authorized, since I never gave written instructions to your agency to include them on my credit file. Reporting them violates the permissible purpose section of the FCRA, which makes your agency liable for damages of at least {$1000.00} under the civil liability provisions for willful non-compliance. Under FCRA sections 609, 605, and 623, these inquiries fail to meet the standards of accuracy and lawful reporting. They must be deleted from my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Tried to log in to see the remaining loan balance. Can not and after calling them they have no record of me or any of the information ( email, phone, loan number etc ). This was a loan I had with XXXX who sold this to SoFi to be serviced by them. They are still taking out monthly payments by direct debit from my bank account. If SoFi can not provide this information then I must have no loan with them- they are legally bound to prove this loan even exists at this point. They are a scam company and you should shut them down.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I contacted Bank of America about all claims from stolen pre paid card claims were denied for over XXXX in XXXX. 
I lost my car my apartment I lost everything I owned because I had no where to stay they wanted all this proof years later and it was hard documents to get because they were so old. They told me I couldnt prove I suffered a lost because I never got my own money. 
They sent me a check for XXXX dollars and said if I didnt feel I was compensated correctly feel file a claim after I filed the claims and got denied already. It was three and another company I believe. Bank of America individual processing by XXXX XXXX ( XXXX  ) the last date I had contact was 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 2025-08-20 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: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
I have disputed this account multiple times with XXXX XXXX  and XXXX  since XXXX. Despite my disputes, the credit bureaus and XXXX XXXX XXXX continue to report inaccurate and unverifiable information. 

On XX/XX/XXXX, XXXX XXXX responded to my dispute by sending an incomplete packet that does not identify me. The only billing statement they provided lists XXXXXXXX XXXX XXXX XXXX and their address, not my name or address. This fails to establish ownership, assignment, or any connection between the alleged account and me. 

I specifically requested the Method of Verification under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), including : The name of the furnishers representative who verified, The exact documents reviewed, The XXXX XXXX fields relied upon ( DOFD, Account Status, Balance, Payment Rating, Date Opened ), and Legal proof of ownership/assignment of the account. 

None of this information has been provided, and the bureaus simply mark the account as verified through e-OSCAR, which is not a lawful investigation under the FCRA. Reliance on automated e-OSCAR responses, without documentary evidence, has been found insufficient by federal courts ( e.g., XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ) ). 

This is now my 4th round of disputes, yet the bureaus have failed to perform a reasonable reinvestigation as required by the FCRA ( 15 U.S.C. 1681i ) and continue to publish false, damaging information. This ongoing reporting is reckless, willful, and negligent. 

I am demanding deletion of this account immediately. If this account is not deleted, I am prepared to file suit in federal court ( XXXX XXXX, XXXX XXXX XXXX Alabama ) as I have successfully done in a prior case against another debt collector for similar violations.

Company response to consumer: Closed with non-monetary relief