vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXXXXXX XXXX Washington XXXX DC XXXX From : XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX Date : XX/XX/year> Dear CFPB, I am filing this complaint under the Fair Credit Reporting Act ( FCRA, XXXX5 U.S.C. 1681 et seq. ) regarding inaccurate and outdated personal information being reported by credit reporting agencies.

According to FCRA 607 ( b ), credit reporting agencies must ensure that all information they report is accurate and current. The following addresses, phone number, and business listing are incorrect, yet continue to appear on my credit profile : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX Apt XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX River XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone number : ( XXXX ) XXXX Business listing : Retail Trade Business, XXXX XXXX XXXX, XXXX, TX XXXX Under FCRA 609 ( a ) ( 1 ) and 611 ( a ) ( 1 ) ( A ), I request that the credit bureaus verify the source of each inaccurate address and permanently delete any unverifiable or obsolete data.

Additionally, under FCRA 623 ( a ) ( 2 ), furnishers must correct and update inaccurate personal data. Failure to do so constitutes a violation of federal law. 

I respectfully request that the CFPB investigate this matter and ensure compliance with FCRA 607 ( b ), 609 ( a ), 611 ( a ), and 623 ( a ) by the reporting agencies. Please confirm in writing once these corrections are completed. 

Thank you for your prompt assistance in ensuring the accuracy of my personal credit file. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: GA

Complaint narrative:
I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. Im attaching all the necessary documents on this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: LA

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Employer - XXXX XXXX XXXX Employer - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, LA XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXXXXXX, LA XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, LA 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 2025-11-03 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: LA

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Employer XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, LA XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, LA XXXX Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-11-03 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: FL

Complaint narrative:
I identified inaccurate and unverifiable information appearing on my Experian credit report connected to a confirmed data breach and potential identity theft. I have attached a notarized affidavit of truth and facts dated XX/XX/year>, along with supporting exhibits including breach documentation, FTC report, and account evidence. I am requesting that Experian conduct a full reinvestigation and provide documented proof of verification for each disputed account in accordance with FCRA 1681c-2 and 611 ( a ). If verification can not be substantiated with evidence, these accounts must be deleted immediately.

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 2025-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am submitting a new complaint because Capital One continues to furnish inaccurate and unverifiable information to the credit reporting agencies after CFPB Case XXXX XXXXXXXX and Capital One Case XXXX XXXXXXXX. 
I am requesting a full deletion or correction of the following information : Removal of all late-payment reporting for Capital One Auto Finance account XXXX in XXXX ( vehicle was totaled, and balance satisfied through insurance ). 
Removal of inaccurate or unverifiable late-payment data for accounts ending in XXXX and XXXX, which Capital One could not verify with contemporaneous records. 
Deletion or proof of permissible purpose for XXXX  inquiries tied to accounts ending in XXXX, XXXX, and XXXX that Capital One has not validated under FCRA 1681b ( f ). 

This is my XXXX notice of dispute since XXXX. Capital Ones repeated failure to provide verification after extensions and insurance payoff constitutes willful non-compliance under FCRA 1681e ( b ), 1681i ( a ) ( 1 ) ( A ), 1681s-2 ( b ), and 1681n, and a violation of the XXXX  XXXX XXXX to produce contemporaneous proof of debt. 
I am requesting the CFPB to enforce deletion of unverifiable tradelines and inquiries and confirm Capital Ones compliance with its furnisher obligations under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: PA

Complaint narrative:
I sent a certified letter to Equifax on XX/XX/year> with tracking # XXXX it shows the delivery date of XX/XX/year> at XXXXXXXX XXXX in XXXX GA. The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts : XXXX - {$860.00} ( ACCOUNT # XXXX ) XXXX - {$1400.00} ( ACCOUNT # XXXX ) XXXX - {$0.00} ( ACCOUNT # XXXX ) XXXX XXXX {$1200.00} ( ACCOUNT # XXXX ) Equifax failed to respond. I sent another letter on XX/XX/year> which they failed to respond once again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not authorize this inquiry and I did not speak with this lender on the date indicated. Accordingly, I respectfully request that you remove this inquiry from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: VA

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

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 2025-11-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
On XX/XX/year>, I submitted an online loan application to One Main Financial. Shortly afterward, I received a notification stating that I had been approved and that a representative named XXXX would be contacting me. 

After several days without hearing from XXXX, I called the company directly. During that call, I spoke with a representative named XXXX, who informed me that he had already obtained a copy of my paystub and proceeded to tell me both my gross and net income. He then sent me an email requesting that I provide my most recent bank statement and stated that he would call me back. 

Despite his assurance, I never received a return call. Over the next several days, I placed three follow-up calls to the company inquiring about the status of my loan. A total of six days passed without any communication from them.

When I finally reached someone again, I expressed my dissatisfaction with how the company conducted business. Specifically, I raised concerns about the invasion of my privacy, as they had obtained information about my employment that I had not disclosed in the online application. I also requested proof that all of my submitted documents be destroyed. However, I was not given a clear or definitive answer and was only told that someone would call me.

I am extremely frustrated and disappointed with this process. I was initially told that I had been approved, yet I never received the loan. Additionally, the companys actions have negatively impacted me, as my credit score was affected by the inquiry despite the loan not being granted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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:
Iam filing this complaint regarding fraudulent accounts that have been reported on my credit file without my authorization. These accounts are inaccurate, the result of identity theft, and do not belong to me. Despite disputing these items with the credit bureaus, they continue to remain on my credit report, negatively affecting my creditworthiness. This is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires accurate reporting and proper investigation of disputed accounts. I request the immediate removal of these fraudulent accounts from all three credit bureaus to restore the accuracy of my credit profile.

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 2025-11-03 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: CA

Complaint narrative:
I am filing this complaint against EQUIFAX for failing to correct inaccurate and unverifiable credit reporting data after being notified of errors. EQUIFAX continues to report false payment history, inaccurate charge-off information, and misleading derogatory data in violation of the Fair Credit Reporting Act ( FCRA ) and CFPB regulatory standards. 

Below are the accounts currently reporting inaccurate information : Creditor Account Number Open Date Balance Issue XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge-off reporting inaccurate EQUIFAX has violated multiple provisions of the FCRA, including : 602 ( a ) Failure to ensure fair and accurate reporting 607 ( b ) Failure to assure maximum possible accuracy 611 ( a ) Failure to conduct a reasonable reinvestigation 611 ( a ) ( 5 ) Failure to delete unverifiable information 623 ( a ) ( 1 ) ( A ) Furnishing information known or should be known to be inaccurate Despite prior disputes, EQUIFAX has not : Provided original creditor validation or source documentation Provided Metro 2 compliance verification records or audit trail Corrected demonstrably false late payments and charge-offs Conducted a proper , lawful reinvestigation EQUIFAX relied solely on automated furnisher responses instead of validating the accuracy as required under federal law.

This has resulted in : Denial of credit opportunities Higher interest rates Reputational and financial harm

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: DC

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification.

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-11-03 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 AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation
State: MO

Complaint narrative:
RE : Unauthorized Charges and Mishandling of Fraudulent Activity Immediate Remediation Required I am writing to formally demand immediate action regarding a serious breach of financial responsibility and customer service on your part. A credit card account was fraudulently opened in my name and subsequently stolen. It was used to make unauthorized purchases across multiple locations in the United States. Upon reporting this criminal activity, the charges were initially removed, acknowledging the fraudulent nature of the transactions.

However, more than 90 days later, without any prior notice, explanation, or validation, your company inexplicably reinstated the full set of charges. This action is not only unjustified but also negligent, given the clear documentation of theft and fraud. Your customer service has been wholly ineffective, and the contact number provided for a so-called specialist was entirely unhelpful and dismissive.

I hereby demand the following : Immediate removal of all reinstated fraudulent charges.

Full reversal of any fees, penalties, or interest accrued due to this error.

A damages payment to compensate for the adverse impact this has had on my credit report and financial standing.

Failure to comply with these demands within ten ( 10 ) business days from the date of this letter will result in legal action without further notice. I will pursue all available remedies under state and federal law, including but not limited to claims for financial damages, emotional distress, and punitive damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: TX

Complaint narrative:
THIS ENTRY DOES NOT ACCURATELY REFLECT MY PAYMENT HISTORY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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:
Issue : Credit reporting errors, unauthorized inquiries, and Experian refusal to process disputes I, XXXX XXXX, am filing this complaint because all three major credit bureaus TransUnion, Equifax, and Experian have failed to accurately report or allow proper dispute processing under the Fair Credit Reporting Act ( FCRA ). 

1. TransUnion : TransUnion is reporting multiple unauthorized hard inquiries from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX all occurring in XX/XX/year>. 
I did not authorize these inquiries, and they were likely caused by auto dealer shotgunning applications without consent. 
TransUnion currently has an open dispute, preventing me from filing new ones online, which restricts my FCRA rights. 

2. Equifax : Equifax continues to report a negative account from XXXXXXXX XXXX XXXX that was closed and paid, but still shows multiple 120-day delinquencies.

This is inaccurate and damages my score, violating FCRA 611 ( a ) ( failure to ensure complete and accurate information ). 

3. TransUnion Collection Account : TransUnion is also reporting a {$980.00} XXXX  collection from XXXX XXXX XXXX XXXX XXXX XXXX XXXX that was never validated under FDCPA 809 ( b ). 
No notice or documentation has ever been provided proving this debt is mine or valid.

4. Experian : Experian refuses to allow me to submit a new dispute online or by mail unless I call them.

This restriction violates my legal right under FCRA 611 ( a ) ( 1 ) ( A ) to dispute inaccurate information in writing without being required to use the phone.

I have already prepared and mailed written disputes for each bureau and attached copies of my letters and supporting documentation.

I am requesting the CFPB to require these bureaus to : Process my written disputes immediately, even if online disputes are locked.

Delete all unauthorized inquiries and unverifiable accounts.

Provide written confirmation of corrections within 10 days.

These companies are in violation of : FCRA 604 ( a ) ( 2 ) No permissible purpose for credit inquiries FCRA 611 ( a ) Failure to ensure and reinvestigate accuracy FDCPA 809 ( b ) Failure to validate debt I am attaching all supporting dispute letters, including those sent to TransUnion, Experian, and Equifax, as well as my debt 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 2025-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
I had a vehicle that was financed through credit acceptance in the year of XXXX Due to the high interest rates I chose to finance a newer model car with XXXX XXXXXXXX XXXX  The dealership that I purchased the car from on XXXX bought the older car and paid off credit acceptance. On my credit report it still is reporting the same information as if I have an existing loan with credit acceptance. I need this information removed off 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 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
Review your data on file for me right now and make sure it is accurate according to the Fair Credit Reporting Act and XXXX XXXX compliance standards! I demand that you correct any inaccuracies in my credit report immediately! Furthermore, I expect any inquiries within my credit profile to have a permissible purpose and be accurately sourced. Don't make me take further action to ensure my consumer rights are respected! 

LVNV FUNDING - XXXX

Company response to consumer: Closed with explanation