vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 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: CA

Complaint narrative:
RE : Formal Dispute of Inaccurate Credit Reporting Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Americas XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute inaccurate information being reported by your company to the credit reporting agencies. 

On XX/XX/XXXX I received a letter from your office stating that my account was being closed due to " fraud usage '' and was under investigation. This statement is incorrect for the following reasons : The account in question has been closed for years well before the date of your letter. 
I have not engaged in any fraudulent activity on this account. 
Your communication implies recent account closure when, in fact, no such action could have occurred because the account was already inactive. 
This inaccurate and misleading reporting is damaging to my credit history and violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires that all information furnished to credit reporting agencies be complete and accurate. 
I request the following actions be taken immediately : Remove the false " fraud usage '' notation from my credit report. 
Delete both accounts because credit report is displaying different account XXXX XXXX  on all three credit agencies. 
Correct the account status to accurately reflect that the account was closed in XX/XX/XXXX Provide written confirmation that these corrections have been made. 
Please consider this letter as a formal dispute under the FCRA. I expect a written response within 30 days, as required by law. 
Sincerely, [ Your Name ] [ Your Signature ]

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 2025-08-16 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: FL

Complaint narrative:
I am submitting this complaint because Equifax is reporting inaccurate and unverifiable information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). I have disputed these items directly with Equifax in writing, but they have failed to conduct a proper reinvestigation as required by FCRA 611 ( a ), and they have not provided any documentation that justifies keeping these entries on my file. 

My credit report contains a wrong address, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, which does not belong to me. I have never lived at this location, received mail there, or been associated with it in any way. Under FCRA 607 ( b ), credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. Keeping this unverifiable address on my credit file increases the risk of mixed files, where another individuals accounts or derogatory information could be linked to me. 

My report also shows a collection account for XXXX XXXX XXXX, Date Opened XX/XX/XXXX, with a reported balance of {$0.00}. Reporting a {$0.00} balance account as a collection is contradictory and misleading to lenders. Equifax has not provided proof of the debt, proof of assignment to a collection agency, or any documented verification from the furnisher. This is a violation of FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishing information known to be inaccurate, and FCRA 611 ( a ), which requires deletion of unverifiable information. 

Additionally, there is an unauthorized credit inquiry from XXXX XXXX  dated XX/XX/XXXX. I did not apply for credit with this company, nor did I give them permission to access my credit report. This violates FCRA 604 ( a ) ( 2 ), which requires a permissible purpose for any credit inquiry. Equifax has not provided a signed application or other proof of my consent. 

These violations have caused me financial harm, lowered my credit score, and created unnecessary stress. Equifaxs failure to delete unverifiable and inaccurate information demonstrates noncompliance with the FCRA. I am requesting that the Consumer Financial Protection Bureau investigate Equifaxs handling of my disputes, require the removal of the wrong address, delete the inaccurate XXXX XXXX XXXX XXXX entry, remove the unauthorized XXXX XXXX inquiry, and take appropriate enforcement action to ensure Equifax follows federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
To whom it may concern, I am disputing my credit card companys refusal to assist me with a defective product purchased from XXXX XXXX on XX/XX/year>. The XXXX XXXX shadewas covered under warranty. After the lever mechanism broke, I submitted a claim, waited a month for a replacement, and received a defective shade that is too short and can not be secured to the wall. 

I have repeatedly provided XXXX XXXX  with all the requested documentation, including photos, videos, and measurements. Despite this, the company refuses to resolve. I have also requested to speak to a manager multiple times without success.

My credit card company has been given the same evidence, including emails, call logs, and proof of my attempt to return the item. Despite this, they have taken no action to assist me. They closed my dispute by having all the info needed. This has been an extremely frustrating and time-consuming process, and I am left with a defective product and out-of-pocket loss. 

I am requesting a full refund of {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 reported to be removed/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. 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!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: FL

Complaint narrative:
I am filing this complaint because my credit report contains accounts that are inaccurate and do not comply with the Fair Credit Reporting Act ( FCRA ). I am requesting an investigation and the deletion of these accounts, as the information being reported is erroneous, incomplete, and causing financial harm XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint because my credit report contains accounts that are inaccurate and do not comply with the Fair Credit Reporting Act ( FCRA ). I am requesting an investigation and the deletion of these accounts, as the information being reported is erroneous, incomplete, and causing financial harm XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Dear CFPB, I am sending to dispute fraudulent account on my credit reports, which have resulted from identity theft. This account were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). This account in question are : XXXX  XXXX BALANCED {$260.00}

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
Consumer complaint received 2025-08-16 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: FL

Complaint narrative:
This follow up complaint serves as my fifth formal communication concerning the presence of unauthorized or unverified items appearing on my credit report. I am again asserting my rights under the Fair Credit Reporting Act ( FCRA ) 604 ( a ) 15 U.S.C. 1681b ( a ), which strictly limits access to a consumers credit file to entities with a legally permissible purpose. Despite my previous requests, the following items remain on my credit report and have not been validated as having been made with my consent or for a legitimate reason under the FCRA : Items to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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:
This follow up complaint serves as my fifth formal communication concerning the presence of unauthorized or unverified items appearing on my credit report. I am again asserting my rights under the Fair Credit Reporting Act ( FCRA ) 604 ( a ) 15 U.S.C. 1681b ( a ), which strictly limits access to a consumers credit file to entities with a legally permissible purpose. Despite my previous requests, the following items remain on my credit report and have not been validated as having been made with my consent or for a legitimate reason under the FCRA : Items to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-08-16 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: TX

Complaint narrative:
I called and requested a 1099C due to it being charged off by the company and validation of debt information and I was told it couldn't be provided.

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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I called and requested a 1099C due to it being charged off by the company and validation of debt information and I was told it couldn't be provided.

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 2025-08-16 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: Experian Information Solutions Inc.
State: VA

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. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XXXX  Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX- Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXX/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 explanation
Consumer complaint received 2025-08-16 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be remove and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX High Balance : {$5000.00} Account Number : XXXX Date : XX/XX/XXXX Duration : XXXX  years XXXX XXXXXXXX High Balance : {$1200.00} Account Number : XXXX Date : XX/XX/XXXX Duration : XXXX years PA XXXX XXXX High Balance : {$9900.00} Account Number : XXXX Date : XX/XX/XXXX Duration : XXXX  years XXXX XXXX XXXX High Balance : {$10000.00} Account Number : XXXX Date : XX/XX/XXXX Duration XXXX XXXX  years XXXX XXXX  High Balance : {$1500.00} Account Number : XXXX Date : XX/XX/XXXX Duration : XXXX years XXXX XXXX High Balance : {$0.00} Account Number : XXXX Date : XX/XX/XXXX Duration : XXXX  yearXXXX XXXX High Balance : {$0.00} Account Number : XXXX Date : XX/XX/XXXX Duration : XXXX years

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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : XX/XX/XXXX | XXXX : XXXX Date : XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX RE : Dispute of Inaccurate Reporting Capital XXXX & XXXX Accounts To Whom It May Concern, I am disputing the following accounts that are inaccurately reported on my TransUnion credit file : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance of {$30000.00} reported while high balance is {$21000.00} impossible. 
Past due balance reported on a charged-off account ( double-reporting ). 
Last Activity XX/XX/XXXX does not align with XXXX XXXX XX/XX/XXXX. 
No payment history reported, while other bureaus show extensive derogatory history. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance reported as {$320.00} here, but {$200.00} at XXXX. 
XXXX remark listed as Canceled by credit grantor, while other bureaus say Closed due to inactivity. 
Last Activity ( XX/XX/XXXX ) conflicts with Last Payment ( XX/XX/XXXX ). 
Payment history shows lates on an account marked Paid/Closed. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX reported as {$60.00} here, but {$0.00} at XXXX  and {$30.00} at XXXX. 
Account type listed as Non-traditional card, while other bureaus list it as a loan. 
Status remark inconsistent : Charged off as bad debt / Profit and loss write-off. 
No payment history reported, while other bureaus report extensive derogatory history. 
Last Activity XX/XX/XXXX conflicts with Last Payment XX/XX/XXXX. 
These accounts can not be verified to the standard of maximum possible accuracy as required under the Fair Credit Reporting Act ( FCRA 1681i, 1681s-2 ). Therefore, I demand permanent deletion from my TransUnion 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 non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I enrolled in a payment plan for my Capital One credit card account ending in XXXX on XX/XX/year>. I also enrolled another Capital One account into a similar plan on the same day. The second account was properly documented and updated. However, Capital One can not locate any record of the plan for the account ending in XXXX, even though I completed all the required payments. The account is still reported as past due. I've contacted Capital One multiple times, but they have not provided any documentation or resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: CA

Complaint narrative:
Unauthorized access to my credit report by multiple companies has caused direct and measurable harm to my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honoredthese inquiries remain on my report. This inaction is unacceptable. The continued presence of these potentially fraudulent entries is a serious breach, strongly suggesting identity theft, and is causing ongoing emotional and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: CA

Complaint narrative:
Unauthorized access to my credit report by multiple companies has caused direct and measurable harm to my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honoredthese inquiries remain on my report. This inaction is unacceptable. The continued presence of these potentially fraudulent entries is a serious breach, strongly suggesting identity theft, and is causing ongoing emotional and financial harm.

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