vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX  XXXX Account # : XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 

XXXX. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-08-13 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-13 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-08-13 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-08-13 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: IN

Complaint narrative:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: IN

Complaint narrative:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report 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 explanation
Consumer complaint received 2025-08-12 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: VA

Complaint narrative:
I am writing to file a formal complaint against TransUnion, Equifax, and Experian for reporting inaccurate information on my credit reports, falsely verifying an erroneous account, and improperly re-aging the account, which has caused me significant harm. I am seeking monetary compensation for the damages resulting from these violations, as permitted under the Fair Credit Reporting Act ( FCRA ) ( " FCRA '' ) 15 USC 1681 et seq. that you are reporting inaccurate credit information. 

The credit bureausTransUnion, Equifax, and Experianhave inaccurately reported an account XXXX XXXX XXXX XXXX, account number XXXX, on my credit reports. This account contains false information, specifically High balance, wrong status, Payment History and Count of late payment. Previously, I disputed this account with all three bureaus, and they stated it was " verified '' as accurate, which is incorrect. Additionally, the bureaus have continued to re-age this account, updating the date of last activity or delinquency to make it appear more recent, which violates FCRA guidelines on the reporting period for derogatory information ( typically seven years from the date of first delinquency ). 

After a careful review of my credit report it has come to my attention that there are several inaccurate listing contained in my credit report. The account listed below are incorrect and several outdated. The following accounts need to be investigated immediately to reflect my truthful credit history. If any account listed below can not be verified they should be deleted from my credit report as soon as possible. 

I was very upset when I discovered that you have included the information I have specified below in my credit profile which resulted in my score being negative impacted in a major way. As I am sure you are aware, the FCRA requires you to properly investigate any debt dispute. I am sure that the inclusion of this inaccurate information is a mistake on either your reporting creditors part. 

Because of the mistake on my credit report, I have been wrongfully denied credit recently for a House which was extremely embarrassing and has negativity impacted my lifestyle. 

Trasunion, Equifax and Experian have 30 days from XXXX fail to do is a violation under CFPB Account : XXXX XXXX XXXX XXXX Account Number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: VA

Complaint narrative:
I am writing to file a formal complaint against TransUnion, Equifax, and Experian for reporting inaccurate information on my credit reports, falsely verifying an erroneous account, and improperly re-aging the account, which has caused me significant harm. I am seeking monetary compensation for the damages resulting from these violations, as permitted under the Fair Credit Reporting Act ( FCRA ) ( " FCRA '' ) 15 USC 1681 et seq. that you are reporting inaccurate credit information. 

The credit bureausTransUnion, Equifax, and Experianhave inaccurately reported an account XXXX XXXX XXXX XXXX, account number XXXX, on my credit reports. This account contains false information, specifically High balance, wrong status, Payment History and Count of late payment. Previously, I disputed this account with all three bureaus, and they stated it was " verified '' as accurate, which is incorrect. Additionally, the bureaus have continued to re-age this account, updating the date of last activity or delinquency to make it appear more recent, which violates FCRA guidelines on the reporting period for derogatory information ( typically seven years from the date of first delinquency ). 

After a careful review of my credit report it has come to my attention that there are several inaccurate listing contained in my credit report. The account listed below are incorrect and several outdated. The following accounts need to be investigated immediately to reflect my truthful credit history. If any account listed below can not be verified they should be deleted from my credit report as soon as possible. 

I was very upset when I discovered that you have included the information I have specified below in my credit profile which resulted in my score being negative impacted in a major way. As I am sure you are aware, the FCRA requires you to properly investigate any debt dispute. I am sure that the inclusion of this inaccurate information is a mistake on either your reporting creditors part. 

Because of the mistake on my credit report, I have been wrongfully denied credit recently for a House which was extremely embarrassing and has negativity impacted my lifestyle. 

Trasunion, Equifax and Experian have 30 days from XXXX fail to do is a violation under CFPB Account : XXXX XXXX XXXX XXXX Account Number 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 2025-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am submitting this complaint regarding Capital Ones abrupt and unexplained closure of my account in 2019 and their continued prohibition against me opening a new account. 

In 2019, my Capital One account was suddenly closed without any advance notice or explanation. I immediately contacted Capital Ones customer service to request the reason for this closure. Despite multiple follow-up calls over the years, I have never received any formal or substantive explanation for why my account was terminated. 

Due to this unresolved issue, I am currently being denied the ability to open any new accounts with Capital One. This ongoing restriction has negatively impacted my ability to access financial services and manage my personal finances.

I believe this action is both unfair and non-transparent, as Capital One has failed to : 1. Provide me with written notice explaining the reason for my account closure.

2. Offer any means of appeal or resolution.

3. Disclose what information, if any, is being reported to credit bureaus or internal systems that prevents me from reestablishing an account.

I am requesting that the CFPB : Investigate the circumstances surrounding the closure of my Capital One account.

Require Capital One to provide a written, specific reason for the closure.

Ensure that any incorrect or unfair internal records or reports that are blocking me from opening a new account are corrected.

I have attached any supporting documentation available, including proof of prior account ownership and notes from my calls to Capital Ones customer service.

I appreciate your prompt attention to this matter and look forward to a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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:
I am submitting this complaint against XXXX XXXX XXXX for failing to validate an alleged debt within the first XXXX XXXX as required by the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ). XXXX continued to report this account to the credit bureaus without providing proper validation, which is a direct violation of federal law. 

I am filing a complaint against XXXX XXXX XXXX for failing to validate an alleged debt within the legally required timeframe, in violation of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ). On XX/XX/year>, I sent a certified mail request for debt validation, which XXXX received on XX/XX/year>. They failed to respond with proper validation before continuing to report the account to credit bureaus, violating FDCPA 809 ( b ) and FCRA 1681s-2 ( b ). I am. requesting the immediate deletion of the disputed account from all credit reports, written confirmation that it will not reappear, and cessation of all collection activity unless proper validation can be provided. Supporting evidence includes my certified mail request, USPS delivery confirmation, and current credit report showing the continued reporting of the disputed account.

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 2025-08-13 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: PA

Complaint narrative:
I am submitting this complaint against XXXX XXXX XXXX for failing to validate an alleged debt within the first XXXX XXXX as required by the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ). XXXX continued to report this account to the credit bureaus without providing proper validation, which is a direct violation of federal law. 

I am filing a complaint against XXXX XXXX XXXX for failing to validate an alleged debt within the legally required timeframe, in violation of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ). On XX/XX/year>, I sent a certified mail request for debt validation, which XXXX received on XX/XX/year>. They failed to respond with proper validation before continuing to report the account to credit bureaus, violating FDCPA 809 ( b ) and FCRA 1681s-2 ( b ). I am. requesting the immediate deletion of the disputed account from all credit reports, written confirmation that it will not reappear, and cessation of all collection activity unless proper validation can be provided. Supporting evidence includes my certified mail request, USPS delivery confirmation, and current credit report showing the continued reporting of the disputed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
I applied for a short sale XX/XX/XXXX. Shellpoint was supposed to contact me within 3 business days. Did this happen? Absolutely not. I called and called trying to figure out what was happening but NO ONE and I mean NO ONE could tell me what was happening. They told me to refer to my single point of contact but I was NEVER told a name. It took until XX/XX/XXXX for my single point of contact to even tell me what was needed to move forward. I only got in touch with her BECAUSE I KEPT CALLING. This company is beyond incompetent and they lack basic communication skills. A XXXX XXXX XXXX communicates better than them. I'm absolutely disgusted by this company. This process was drawn out for months for no reason. We lost an offer on the house because they couldn't get their XXXX together fast enough. Fast enough meaning, a month. The buyer sat around for a MONTH waiting to hear something. Despite me calling 1-2x/week and complaining as much I could, nothing changed. Let 's not forget to mention, the appraiser THEY hired made a $ XXXX mistake that cost us the buyer too.

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