vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 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: OR

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. 
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

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 2025-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

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 2025-06-01 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate and/or potentially duplicative information reported on my Experian credit report dated XX/XX/XXXX ( Report # XXXX ). Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), I request a prompt reinvestigation and correction or deletion of the following tradelines : ________________________________________ XXXX. XXXX XXXX XXXX  Account # XXXX Balance : {$10000.00} Status : Collection account Original Creditor : XXXX XXXX  Opened : XX/XX/XXXX XXXX. XXXX XXXX Account # XXXX Status : Transferred/Closed {$10000.00} written off Last Payment : XX/XX/XXXX Balance : {$0.00} ________________________________________ Dispute Reason : These two entries appear to represent the same debt. Reporting the same obligation twiceonce under the original creditor ( XXXX XXXX  ) and again under the debt buyer ( XXXX XXXX ) results in duplicate reporting and inaccurately inflates my debt load, which negatively impacts my creditworthiness. This practice may violate : 15 U.S.C. 1681i ( a ) : Requiring a reasonable reinvestigation of disputed items.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers of information must report accurate data.

15 U.S.C. 1681c ( a ) : Prohibits re-aging of accounts beyond 7 years from the date of first delinquency. 
If Absolute Resolutions is reporting the debt, then the original creditor ( XXXX XXXX  ) must not continue to list the charge-off in a way that misleads lenders or appears as an active liability. 
________________________________________ Requested Action : 1. Delete or correct the XXXX XXXX entry to reflect that it is no longer a current liability and has been transferred. 
2. Verify and validate the ownership and details of the debt reported by XXXX  XXXX  or delete the tradeline if proper documentation and legal ownership can not be produced. 
________________________________________ Attached Documents : FTC Report Government-issued photo ID Social Security Card Under the FCRA, Experian is obligated to complete a reasonable investigation within 30 days and provide written results of the investigation. If the accounts can not be verified as accurate and complete, they must be removed from my report. 
Thank you for your prompt attention to this matter.

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 2025-06-01 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to formally dispute the accuracy of a {$1800.00} collection account reported by XXXX XXXX XXXX XXXX on my credit reports. This account was opened on XX/XX/year>, is listed as placed for collection, and is already marked disputed by consumer. I have never received any billing statement or legal notice validating this debt, and I do not recognize it as legitimate. I assert that this entry is erroneous and must be corrected immediately. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to challenge and remove inaccurate credit information. When I dispute an item, the credit bureaus must conduct a reasonable reinvestigation and delete any unverifiable or incorrect information within 30 days. Likewise, FCRA prohibits furnishers from reporting information they know or have reason to believe is inaccurate. In this case, XXXX XXXX XXXX XXXX has placed an unverified and disputed debt on my credit report without legal validation, in direct violation of these requirements. If the account can not be verified as mine, federal law mandates its removal. 

Further, the Fair Debt Collection Practices Act ( FDCPA ) provides additional protections. In particular, 15 U.S.C. 1692e ( 8 ) forbids a debt collector from communicating credit information that is false or misleading. The FDCPA also requires that if a consumer disputes a debt in writing within 30 days, the debt collector must provide written verification of the debt. I have disputed this account in writing and have received no verification. XXXX continued reporting of this unverified debt is therefore a violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have disputed multiple inaccurate accounts, addresses, and aliases reported by Experian, Equifax and TransUnion over the years, yet Experian, Equifax and TransUnion have continued to verify and re-report them without providing any legally sufficient validation or notice of reinvestigation results, in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I am now submitting a formal Notice of Limited Use of Personal Identifying Information ( PII ), including my redacted government-issued ID. I do not consent to the use, storage, or sharing of my personal information beyond what is required for this dispute resolution. This aligns with federal privacy protections and constitutional rights, as well as : 15 U.S.C. 1681g Right to full disclosure of information in the file 15 U.S.C. 1681i ( a ) Right to reinvestigation of disputed information 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Duty of furnishers to report accurate information 15 U.S.C. 1681c-1 and 1681c-2 Right to fraud alert and blocking of information due to identity theft 15 U.S.C. 45 ( FTC Act ) Prohibition of unfair and deceptive practices, including the mishandling of consumer PII Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e Prohibits false, deceptive, or misleading representations in connection with debt collection Experian, Equifax and TransUnion continues to report : Accounts that do not belong to me or that were fraudulently assigned to me under a prior legal name Addresses where I have never legally resided A legal name I no longer use and have submitted documentation to correct A XXXX  XXXX  XXXX child support account that is invalid, outdated, and was never reissued in my current legal name, despite legal name change notice I am also enrolled in a court-ordered Address Confidentiality Program, and Experian, Equifax and TranUnion continued reporting of invalid, outdated addresses is a violation of my right to privacy and protection under both state and federal law. 

Experian, Equifax and TransUnions failure to correct these issues has led to significant emotional, financial, and reputational harm. I reserve all rights to seek monetary damages for each day the incorrect information remains on my report under the FCRA, FDCPA, and related consumer protection statutes. 

Please see attachment ( s ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have disputed multiple inaccurate accounts, addresses, and aliases reported by Experian, Equifax and TransUnion over the years, yet Experian, Equifax and TransUnion have continued to verify and re-report them without providing any legally sufficient validation or notice of reinvestigation results, in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I am now submitting a formal Notice of Limited Use of Personal Identifying Information ( PII ), including my redacted government-issued ID. I do not consent to the use, storage, or sharing of my personal information beyond what is required for this dispute resolution. This aligns with federal privacy protections and constitutional rights, as well as : 15 U.S.C. 1681g Right to full disclosure of information in the file 15 U.S.C. 1681i ( a ) Right to reinvestigation of disputed information 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Duty of furnishers to report accurate information 15 U.S.C. 1681c-1 and 1681c-2 Right to fraud alert and blocking of information due to identity theft 15 U.S.C. 45 ( FTC Act ) Prohibition of unfair and deceptive practices, including the mishandling of consumer PII Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e Prohibits false, deceptive, or misleading representations in connection with debt collection Experian, Equifax and TransUnion continues to report : Accounts that do not belong to me or that were fraudulently assigned to me under a prior legal name Addresses where I have never legally resided A legal name I no longer use and have submitted documentation to correct A XXXX  XXXX  XXXX child support account that is invalid, outdated, and was never reissued in my current legal name, despite legal name change notice I am also enrolled in a court-ordered Address Confidentiality Program, and Experian, Equifax and TranUnion continued reporting of invalid, outdated addresses is a violation of my right to privacy and protection under both state and federal law. 

Experian, Equifax and TransUnions failure to correct these issues has led to significant emotional, financial, and reputational harm. I reserve all rights to seek monetary damages for each day the incorrect information remains on my report under the FCRA, FDCPA, and related consumer protection statutes. 

Please see attachment ( s ).

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 2025-06-01 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am filing a complaint regarding Capital One Bank ( USA ), N.A., which has initiated a lawsuit against me for a charged-off credit card account that, to my knowledge, has been sold or transferred to a third-party debt buyer. I believe Capital One no longer owns this debt and therefore does not have the legal standing to sue me for its collection. 

The alleged account was charged off last year and was reported as such to the credit bureaus. Since then, I have received communications from other third-party debt collectors claiming to own the same account, which strongly suggests the account was sold.

Despite this, Capital One ( or its legal representative ) has filed a lawsuit in civil court under their name, attempting to collect the full charged-off amount. I consider this action misleading and potentially illegal under the Fair Debt Collection Practices Act ( FDCPA ) and Dodd-Frank Wall Street Reform and Consumer Protection Act, including : 15 U.S.C. 1692e Prohibiting false, deceptive, or misleading representation, including misrepresenting the legal status or ownership of a debt.

15 U.S.C. 1692g ( b ) Requiring a debt collector to cease collection activities until debt validation is provided, which has not occurred in my case.

15 U.S.C. 1692f Prohibiting unfair or unconscionable means to collect a debt.

It is my position that Capital One 's lawsuit is misleading, lacks standing, and potentially violates federal consumer protection laws. This is causing me emotional distress an
d may damage my credit and finances unjustly.

I request that the CFPB inve

stigate Capital Ones practices in this matter and require them to : 1.. Dismiss the lawsuit since they no longer own the debt as it's been charged off.

2.. Cease any false or misleading legal action.

3.. Correct any negative reporting with the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: PA

Complaint narrative:
Consumer Financial Protection Bureau Complaint Summary : I am filing this complaint against TransUnion, Experian, and Equifax for failing to report accurate and consistent information on my credit file, in violation of the Fair Credit Reporting Act ( FCRA ) 1681e ( b ) and 611 ( a ).

After reviewing my credit report, I found multiple accounts that show different reporting details across the XXXX credit bureaus. These inconsistencies include conflicting balances, account statuses, dates opened, and payment histories. 
I have attached screenshots showing how the same accounts are being reported differently across the XXXX CRAs. Despite multiple efforts to resolve these discrepancies, the accounts remain unchanged, causing harm to my creditworthiness and financial opportunities. 
Requested Resolution : I demand that all inaccurately reported and inconsistent accounts be deleted from my credit report unless full XXXX XXXXcompliant verification is provided. 
Enclosures : - Dispute letters sent to TransUnion, Experian, and Equifax - Credit report excerpts highlighting inconsistencies - Screenshots of account discrepancies Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  SSN : XXXX XXXX : XX/XX/year> Phone : XXXX Email : 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 2025-06-02 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:
This letter serves as final notice of my dispute regarding the inaccurate late payment reporting on my credit file and your agencys ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Despite previous disputes, you have continued reporting this derogatory information without providing any documentation to support its validity. A generic 'verified ' response does not satisfy the legal requirement to perform a reasonable reinvestigation under FCRA 1681i. You are also in violation of FCRA 1681e ( b ) which requires that you ensure the maximum possible accuracy of the information you report. Your failure to remove unverifiable data and your refusal to produce original documentation demonstrates willful noncompliance.

You now have 30 days from the date of this letter to provide the following : - Full and complete documentation from the original creditor validating the alleged late payment ; - A detailed explanation of the reinvestigation process and verification methods ; - Immediate deletion of the disputed item if it can not be 100 % verified with original, substantive evidence.

In support of my position, I refer you to the most recent enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) against major credit reporting agencies : - In XX/XX/year>, the CFPB sued Experian for failing to properly investigate consumer disputes and continuing to report inaccurate data. 
These actions prove a pattern of systemic negligence in the industry. Your behavior mirrors the violations highlighted in these cases and only strengthens my intent to pursue legal remedies. 

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 2025-06-01 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: TN

Complaint narrative:
Subject : Complaint Regarding Unvalidated Debt Reporting by XXXX XXXX XXXX To Whom It May Concern, I am writing to file a formal complaint against XXXX XXXX XXXX and the continued reporting of an unvalidated debt account to TransUnion and Equifax in violation of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

The account in question is listed as : Creditor : XXXX XXXX XXXX Account Number ( partial ) : XXXXXXXX XXXX XXXX XXXX XXXX  I have disputed this account directly with XXXX XXXX XXXX and have requested full validation of the debt, as I do not recognize it and believe it does not belong to me. To date, XXXX has failed to provide sufficient documentation or validation proving this debt is accurate or belongs to me. 

In response to my dispute, Experian has removed the account from my credit report. However, TransUnion and Equifax continue to report the account, despite no evidence of its validity being provided. This is causing ongoing and unjust damage to my credit profile. 

Requested Resolution : A formal investigation into XXXX XXXX XXXX 's failure to validate the debt as required under the FDCPA ; Immediate removal of the account from TransUnion and Equifax due to failure to verify its accuracy ; Any additional enforcement action necessary to ensure compliance and prevent further consumer harm

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: MA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Colony Brands, Inc.
State: MA

Complaint narrative:
My personal information is attached to this complaint, along with a medical letter from my personal physician. As any financial institution can see, I am living in chronic pain every day of my life. I am no longer healthy enough to work, and I only receive a small social security XXXX check monthly. Accordingly, I am requesting my small indebtedness to be forgiven in exchange for a 1099-C. I find this to be a better compromise than fining a XXXX XXXX XXXXankruptcy. Please respond through the CFPB portal only, thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation