vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am disputing the Capital One account ( opened XX/XX/XXXX, closed XX/XX/XXXX ) due to continued inaccurate and misleading reporting. 

Although the account was closed and charged off in XXXX, the payment history continues to show missed payments into XXXX and XXXX, along with a vague status of No Info. This creates the false impression that Im still delinquent which is both harmful and non-compliant with FCRA 623 and XXXX XXXX reporting standards. 

Capital One has already resolved a previous dispute but continues to report false, outdated, and damaging information. I am requesting that this account be removed completely from all credit reports since theyve failed to correct the violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: TX

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from 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 explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: IL

Complaint narrative:
Jefferson capitol LLC in the amount {$960.00} XXXX XXXX XXXX in the amount {$530.00} XXXX XXXX XXXX in the amount {$210.00} I am filing this complaint regarding inaccurate items on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency. It yet remains unresolved. I request immediate removal of these items as it is incorrect and does not reflect

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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:
I was affected by the data breeches that happened with trans union, equifax, and experian. I by law have the right to have accurate and fair reporting on my consumer report and by law I also have the right to have my privacy protected, these companies have violated both of those rights

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 2025-05-01 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: NC

Complaint narrative:
I am a victim of identity of identity theft. There are some negative and inaccurate accounts on my 3 credit reports. I didnt give anyone permission or authorization to open these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: NC

Complaint narrative:
I am a victim of identity of identity theft. There are some negative and inaccurate accounts on my 3 credit reports. I didnt give anyone permission or authorization to open these 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 2025-05-01 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:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Eight different transactions happened in one day of {$320.00} was taken from my account through someone elses cash app when I contacted the bank I was told their were no errors even though I didnt authorize those transactions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: IL

Complaint narrative:
I am insisting on the immediate removal of these inaccurate and misleading items from my credit report. These entries violate several provisions of the Fair Credit Reporting Act ( FCRA ). Under Section 609 ( c ), you are required to provide a summary of my rights, including my right to dispute these inaccuracies. I expect this to be processed immediately.

Section 611 ( c ) mandates that if any disputed information is deleted or corrected, you must notify all parties who received my credit report in the last six months ( or two years for employment purposes ). I expect this notification to be handled without delay.

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 2025-05-01 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: AL

Complaint narrative:
. YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information, you have to have my written consent, making you liable for any remedy under the 15 U.S.C. Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under 15 USC 1681 ( a ) ( 4 ).

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 2025-05-01 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also 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 seven 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.

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 2025-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Every other reporting agency has removed this account. My complaint XXXX has been open with you for over 60 days with XXXX updates & thats not how long the law says you get right? You guys have to put " under investigation or reinvestigation '' and didnt right? If XXXX report has an account and removes it due to it being invalid /cimoany agreed doesnt all the others? You get no more time to fix it. See all attached documents for proof. If I'm wrong show me your reason, laws in detail, proof, verification & validation from the company going against the ketter i recieved and when you received it and gave it to me & to were it was sent and help me understand how that case is still open with XXXX change if all this was done. THE COMPANY REMOVED IT the day before its update and i think it caused it to reappear. You can even see where YOU closed my first dispute and removed the account. THIS IS CLEARLY AN ERROR.

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this formal complaint against TransUnion LLC for its role in publishing and maintaining a fraudulent collection account reported by XXXX XXXX XXXX XXXX, in violation of the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, XXXX XXXX XXXX XXXX reported a collection account in the amount of {$940.00} to TransUnion. This account was placed on my credit file without my knowledge, consent, or legal authorization. I formally disputed the account on XX/XX/year>, identifying it as fraudulent and a result of identity theft. 
Despite being notified, TransUnion failed to comply with XXXX5 U.S. Code 1681c2 ( FCRA Section 605B ), which requires consumer reporting agencies to block and remove information resulting from identity theft within four business days of receiving proper notice. TransUnion has continued to publish this account, causing direct harm to my credit standing.

Additionally, TransUnion violated : -15 U.S. Code 1681i ( a ) : Failure to conduct a reasonable reinvestigation after receiving notice of a dispute.

-15 U.S. Code 1681e ( b ) : Failure to ensure the maximum possible accuracy of the information contained in my credit file.

TransUnions actions or lack thereof have caused : -Continued reporting of inaccurate and unlawful information. 
-Emotional distress, reputational harm, and financial damage. 
-Denial of fair access to credit opportunities -A clear violation of federal consumer protection rights.

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 2025-05-01 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: CA

Complaint narrative:
XXXX XXXX XXXX is illegally reporting a debt ( Account XXXX. XXXX ) on my Experian and TransUnion credit reports without providing validation. This debt is unverifiable, and I have not received any proper notice or proof as required under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, 15 U.S.C. 1681e ( b ), companies must ensure maximum possible accuracy. Reporting an unvalidated or potentially inaccurate debt violates this standard.

The courts have affirmed that even technically accurate but misleading information may violate the FCRA. See Cahlin v. GMAC, 936 F.2d 1151 ( 11th Cir. 1991 ). 
XXXX XXXX has not provided any documentation showing a legal right to collect on this debtsuch as a chain of title or original agreementand continues to report it, causing damage to my credit. 
I request the CFPB investigate and direct XXXX XXXX to remove this account from Experian and TransUnion immediately, or provide complete, original validation.

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 2025-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
On XX/XX/year> I received an email with the subject " Your SoFi Money account has been closed '' with the following excerpt. 

" we have identified activity that suggests a violation of the SoFi Money Customer Agreement. As a result, we regret to inform you that your account will be closed with immediate effect '' Resulting in my online banking being closed and all my scheduled payments getting rejected. The letter did not provide any details as to why my account was closed. After calling their customer support number they will not provide any details as to why my accounts were closed. I am currently waiting on their promise to receive a physical check with my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: Goal Structured Solutions, LLC
State: OR

Complaint narrative:
In accordance with the Fair Credit Reporting Act. This creditor has violated my rights Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681, section 604 a Section 2, it also states a consumer reporting agency can not furnish an account. Without my written instructions. Under 15 USC 1666 b, a creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: NY

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: IL

Complaint narrative:
XXXX, XXXX. Heres a sample arbitration statement you can use as a base to present your case, especially if you're handling arbitration yourself. 


-- - Sample Arbitration Statement Credit Report Dispute Claimant : XXXX XXXX XXXX Respondent : [ Insert name e.g., XXXX XXXXXXXX XXXX XXXX XXXX ] Case ID : [ If provided by arbitration service ] CFPB Complaint ID : XXXX -- - Statement of Claim I, XXXX XXXX XXXX XXXX am filing this arbitration claim against [ XXXX/TransUnion ] for violations of the Fair Credit Reporting Act ( FCRA ), specifically for : 1. Failure to properly investigate a dispute under 15 U.S.C. 1681i after I submitted a valid dispute on [ insert date ].

2. Failure to provide a Method of Verification ( MOV ) when requested, as required by law.

3. Continuing to report inaccurate information after being notified of errors.

4. Failure to remove or correct unverifiable data within 30 days of my dispute.

I submitted disputes directly to the credit bureau ( s ), and also filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) under Complaint ID XXXX. Despite this, the credit bureau ( s ) continued to report inaccurate, outdated, or unverifiable items, causing harm to my credit and personal well-being.

-- - Damages Sought Due to the above violations, I am seeking : {$1000.00} per violation as allowed under FCRA Actual damages for denied credit opportunities and emotional distress Injunctive relief, including the permanent removal of the inaccurate item ( s ) Reimbursement of arbitration fees and costs -- - Attached Evidence Copies of my disputes ( dated and mailed ) CFPB complaint and responses Credit reports before and after dispute Proof of errors and lack of verification Affidavit/Statement of harm and stress -- - Conclusion The credit bureau failed its legal obligations under FCRA. I am requesting that the arbitrator rule in my favor and award the listed damages and relief.

Respectfully, Charles Brady III [ Your full contact information ] -- - Would you like me to format this as a Word or PDF file for you to submit? Or help tailor this for Experian, Equifax, or TransUnion specifically?

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 2025-05-01 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: IL

Complaint narrative:
XXXX, XXXX. Heres a sample arbitration statement you can use as a base to present your case, especially if you're handling arbitration yourself. 


-- - Sample Arbitration Statement Credit Report Dispute Claimant : XXXX XXXX XXXX Respondent : [ Insert name e.g., Experian Information Solutions XXXX Inc. ] Case ID : [ If provided by arbitration service ] CFPB Complaint ID : XXXX -- - Statement of Claim I, XXXX XXXX XXXX XXXX am filing this arbitration claim against [ Experian/XXXX ] for violations of the Fair Credit Reporting Act ( FCRA ), specifically for : 1. Failure to properly investigate a dispute under 15 U.S.C. 1681i after I submitted a valid dispute on [ insert date ].

2. Failure to provide a Method of Verification ( MOV ) when requested, as required by law.

3. Continuing to report inaccurate information after being notified of errors.

4. Failure to remove or correct unverifiable data within 30 days of my dispute.

I submitted disputes directly to the credit bureau ( s ), and also filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) under Complaint ID XXXX. Despite this, the credit bureau ( s ) continued to report inaccurate, outdated, or unverifiable items, causing harm to my credit and personal well-being.

-- - Damages Sought Due to the above violations, I am seeking : {$1000.00} per violation as allowed under FCRA Actual damages for denied credit opportunities and emotional distress Injunctive relief, including the permanent removal of the inaccurate item ( s ) Reimbursement of arbitration fees and costs -- - Attached Evidence Copies of my disputes ( dated and mailed ) CFPB complaint and responses Credit reports before and after dispute Proof of errors and lack of verification Affidavit/Statement of harm and stress -- - Conclusion The credit bureau failed its legal obligations under FCRA. I am requesting that the arbitrator rule in my favor and award the listed damages and relief. 

Respectfully, XXXX XXXX XXXX [ Your full contact information ] -- - Would you like me to format this as a Word or PDF file for you to submit? Or help tailor this for Experian, XXXX XXXX XXXX specifically?

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 2025-05-01 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: FL

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

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