vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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: CA

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am submitting this complaint regarding an alleged debt that Capital One Bank claims I owe. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I formally requested debt validation. I asked for : ( 1 ) the original contract bearing my signature, ( 2 ) full payment history, ( 3 ) itemized accounting, ( 4 ) chain of custody of the debt, ( 5 ) proof of legal standing, ( 6 ) name of the entity that verified this debt, ( 7 ) XXXX  record, and ( XXXX ) whether this alleged debt was securitized. XXXX XXXX  has failed to provide this required documentation. I request that the CFPB enforcement stop collection and reporting activity until the debt is properly validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: CA

Complaint narrative:
I filed formal disputes with the credit bureau concerning inaccurate and unverifiable accounts on my credit report. Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), the bureaus are required to conduct a reasonable reinvestigation within 30 days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable. Instead, the bureau appears to rely on automated systems ( such as eOSCAR ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ). The CFPBXXXX XXXX XXXX  enforcement action against XXXX XXXX resulting in a {$15.00} XXXX penalty ) confirms that these automated or superficial checks do not meet the reinvestigation requirements of the law. I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed items without proofXXXX 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

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 2025-07-16 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: CT

Complaint narrative:
Capital One falsely reported that a complaint submitted on my behalf was from an unauthorized third party. I am the person who submitted the complaint or authorized it, and I never received any call or message from them. 

This response is being used to avoid addressing the actual issues I raised. I am requesting a reinvestigation, a proper resolution of my complaint, and a review of any credit reporting Capital One has done related to this matter. 

Attached is their mailed response to me, which proves they have my correct contact info and are making misleading claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: GA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: HI

Complaint narrative:
I am filing this complaint because the credit bureau has continued to report fraudulent accounts resulting from identity theft, despite my formal disputes and submission of supporting documentation ( including an FTC Identity Theft Report ). More seriously, the bureau has reinserted previously deleted fraudulent accounts without the proper certification from furnishers and without providing the required consumer notice, in direct violation of FCRA 1681i ( a ) ( 5 ).

This misconduct is not an isolated incident. In fact, credit bureaus were sued late last year for the exact same unlawful practice, demonstrating a broader pattern of disregard for the Fair Credit Reporting Act and consumers ' rights.The bureau has failed to conduct a reasonable reinvestigation under FCRA 611 ( a ) / 15 U.S.C. 1681i, has not provided written verification or original documentation proving the legitimacy of the accounts, and continues to report unverifiable negative information, harming my credit and causing ongoing distress. 


XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: NC

Complaint narrative:
Experian, Transunion as well as Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-07-16 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: FL

Complaint narrative:
I am writing to dispute a debt you are reporting on my credit file regarding an account originally opened with XXXX XXXX  XXXX XXXX XXXX on XX/XX/XXXX and charged off in XXXX. The last payment on that account was made on XX/XX/XXXX. 
You are now reporting this same debt with a new open date of XX/XX/XXXX, under your company name XXXX XXXX XXXX XXXX XXXX XXXX ) and listing it as a collection account with a {$650.00} balance. This appears to be an attempt to re-age the debt, which is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 605 ( c ). The date of first delinquency ( DOFD ) not the date the debt was transferred or purchased determines the reporting timeline and must not be altered to extend its appearance on my credit report. This re-aged reporting is misleading, harmful to my credit,

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 2025-07-16 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: FL

Complaint narrative:
I am writing to dispute a debt you are reporting on my credit file regarding an account originally opened with XXXX XXXX  XXXX XXXX XXXX on XX/XX/XXXX and charged off in XXXX. The last payment on that account was made on XX/XX/XXXX. 
You are now reporting this same debt with a new open date of XX/XX/XXXX, under your company name XXXX XXXX XXXX XXXX XXXX XXXX ) and listing it as a collection account with a {$650.00} balance. This appears to be an attempt to re-age the debt, which is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 605 ( c ). The date of first delinquency ( DOFD ) not the date the debt was transferred or purchased determines the reporting timeline and must not be altered to extend its appearance on my credit report. This re-aged reporting is misleading, harmful to my credit,

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Harpeth Financial Services, LLC
State: FL

Complaint narrative:
Headline : Repeat FCRA Violation XXXX XXXX Reporting Inaccurate Information , Refusing Corrections, and Causing Credit Harm What happened? 
I am filing this complaint against XXXX XXXX XXXX XXXX ) regarding their repeated failure to correct inaccurate and damaging information on my credit report under the tradeline XXXX. 

Despite filing multiple disputes directly with the credit bureaus and through the CFPB in XX/XX/year>, this account continues to be reported with : An inaccurate balance, even after verified payments ( including a {$760.00} payment on XX/XX/year> ) Incomplete payment history ( missing months despite timely payments ) Misleading classification of the account as a traditional open line of credit A clear pattern of ignoring factual disputes in violation of the Fair Credit Reporting Act ( FCRA XXXX and XXXX ) This account has been misreported consistently, and despite sending evidence to all parties, the lender refuses to correct or delete the tradeline. Their generic response to my previous CFPB complaint did not address the actual inaccuracies, nor did they show a willingness to correct them. In fact, their own reply acknowledges discrepancies yet they continue to report the account, harming my credit and delaying financial goals including mortgage financing. 

I have spent thousands of dollars to improve my credit. I have never missed a payment on this account, and yet Im being penalized by their negligence and unfair reporting. Their refusal to fix this situation is willful, and it has caused both emotional and financial harm. 



Requested Resolution : XXXX. Immediately remove this tradeline from my credit reports with all three bureaus ( XXXX XXXX XXXX ) XXXX. Alternatively, correct all information to reflect accurate balances and full payment history XXXX. Provide a written confirmation that this account is no longer visible to third-party lenders unless legally required If this issue is not resolved, I intend to escalate to : The Office of the Comptroller of the Currency ( XXXX ) due to XXXX federal regulation An FCRA lawsuit under XXXX and XXXX for actual and statutory damages Please see attached documents including screenshots of my credit report, payment confirmation, and previous unresolved CFPB case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Adjustment Service, Inc.
State: IL

Complaint narrative:
Sending more emotionally and stressful emails, and causing harm over something that was in front of a judge and settled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: SC

Complaint narrative:
On XX/XX/year>, I mailed a formal dispute requesting the removal of incorrect information from my credit reports maintained by Experian, Equifax, and TransUnion. Despite multiple attempts and sufficient notice, this inaccurate information continues to appear on my credit reports, adversely impacting my financial standing and creditworthiness. 
Additionally, I am formally submitting a complaint regarding a significant data breach involving all three major credit bureaus. This breach compromised my sensitive personal and financial information due to the credit bureaus ' failure to implement adequate and necessary security measures to protect consumer data. The unauthorized access to my personally identifiable information ( PII ) has led to fraudulent activities and inaccuracies on my credit reports. 
The actions and inactions of Experian, Equifax, and TransUnion violate specific provisions of the Fair Credit Reporting Act ( FCRA ), notably : Section 611 ( a ) : Failure to conduct a reasonable reinvestigation within XXXX days of receipt of my dispute. The bureaus neglected their statutory duty by inadequately addressing my disputes, resulting in continued reporting inaccuracies. 
Section 607 ( b ) : Failure to follow reasonable procedures ensuring maximum possible accuracy of the information contained in my credit report. Their negligence in accurately reporting and safeguarding my information has resulted in significant financial harm, including a diminished credit score, increased interest rates, emotional distress related to potential identity theft, and substantial inconvenience. 
Given the severity of the situation, I respectfully request an immediate and thorough investigation into this matter, the removal of all incorrect information from my credit reports, strengthened data security measures to protect consumers, and appropriate corrective actions as prescribed under the FCRA. 
Thank you for your prompt attention to this serious matter. I look forward to your timely response and resolution.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/year>, I mailed a formal dispute requesting the removal of incorrect information from my credit reports maintained by Experian, Equifax, and TransUnion. Despite multiple attempts and sufficient notice, this inaccurate information continues to appear on my credit reports, adversely impacting my financial standing and creditworthiness. 
Additionally, I am formally submitting a complaint regarding a significant data breach involving all three major credit bureaus. This breach compromised my sensitive personal and financial information due to the credit bureaus ' failure to implement adequate and necessary security measures to protect consumer data. The unauthorized access to my personally identifiable information ( PII ) has led to fraudulent activities and inaccuracies on my credit reports. 
The actions and inactions of Experian, Equifax, and TransUnion violate specific provisions of the Fair Credit Reporting Act ( FCRA ), notably : Section 611 ( a ) : Failure to conduct a reasonable reinvestigation within XXXX days of receipt of my dispute. The bureaus neglected their statutory duty by inadequately addressing my disputes, resulting in continued reporting inaccuracies. 
Section 607 ( b ) : Failure to follow reasonable procedures ensuring maximum possible accuracy of the information contained in my credit report. Their negligence in accurately reporting and safeguarding my information has resulted in significant financial harm, including a diminished credit score, increased interest rates, emotional distress related to potential identity theft, and substantial inconvenience. 
Given the severity of the situation, I respectfully request an immediate and thorough investigation into this matter, the removal of all incorrect information from my credit reports, strengthened data security measures to protect consumers, and appropriate corrective actions as prescribed under the FCRA. 
Thank you for your prompt attention to this serious matter. I look forward to your timely response and resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: AZ

Complaint narrative:
To Whom It May Concern : Tek Collect I am writing to formally dispute the validity of a debt that your office is attempting to collect, which you allege is associated with me. This debt is not mine, and I am demanding immediate removal of any reference to this debt from your records and from any third-party credit reporting agencies. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to request full verification of any alleged debt and to dispute debts that are incorrect, fraudulent, or improperly attributed. You are legally obligated to provide full and accurate documentation proving that this debt is valid, belongs to me, and that you have the legal right to collect it. 

As of todays date, I have received no such documentation and maintain that : I have no knowledge or records of this debt ; I have never signed for or acknowledged this debt in any legal capacity ; Reporting or attempting to collect a debt without proper validation is a violation of federal law. 
If this debt is not removed from your system and from any credit reports to which it has been submitted within XXXX hours, I will take immediate legal action. This includes, but is not limited to : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) ; Filing a complaint with the Federal Trade Commission ( FTC ) ; Filing a lawsuit for damages for willful noncompliance under the FCRA and FDCPA ; Pursuing an intent to sue letter for any harm caused to my credit profile, emotional distress, and financial losses. 
I demand a written confirmation that this debt has been removed and will no longer be pursued. 

This letter serves as my formal complaint and legal notice. Cease all contact until full and proper documentation is provided. Failure to comply will result in further legal escalation. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Creditor reports my account is charged off. But they are still having me make payments. And will not change status of account.

Company response to consumer: Closed with non-monetary relief