vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this formal dispute under my rights as a consumer under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and Metro 2 data reporting standards. The information you are reporting on my consumer credit file contains multiple inaccurate, unverifiable, and false items that violate federal and state consumer protection laws.

Your failure to maintain accurate and verifiable reporting violates : FCRA 1681e ( b ) : Failure to assure maximum possible accuracy FCRA 1681i : Failure to properly reinvestigate disputed information Metro 2 Compliance Standards : Failure to comply with accurate data field reporting structure I DEMAND immediate correction of all inaccurate and unverifiable data. The following accounts and personal information you are reporting are being formally challenged due to lack of permissible proof, failure to validate, and improper data handling : Personal Information Being Disputed : Incorrect Name : XXXX XXXX XXXX Incorrect DOB : XXXX Incorrect Current Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, NY XXXX Accounts Being Disputed : XXXX - XXXX XXXX - XXXX XXXXXXXX XXXX  - XXXX XXXX - XXXX Collections Being Disputed : XXXX - XXXX You are reporting these items without my documented authorization, verified documentation, or proof of permissible purpose as required by FCRA 1681b. I challenge the accuracy and existence of these claims.

YOUR DUTY : You must : Provide full physical documentation substantiating each account 's validity, including application, contracts bearing my signature, and evidence of lawful reporting.

Adhere to Metro 2 data field reporting standards by accurately coding, verifying, and formatting consumer data. 

DELETE all unverifiable, inaccurate, and non-compliant accounts immediately. 

FAILURE TO COMPLY : If you fail to fully validate these accounts within 30 days, I will consider this willful noncompliance, as defined under FCRA 1681n and 1681o, which allows for legal remedies including actual damages, statutory damages, attorneys fees, and punitive damages. 

Your repeated failure to process my previous dispute letters, generated using publicly available consumer rights tools, constitutes an ongoing violation of my consumer rights. This blatant disregard for your legal obligations will be documented and forwarded to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and legal counsel for immediate action. 

You are hereby authorized to mail me physical documentation detailing your findings, actions taken, and my updated consumer credit report for my review. 

Time is of the essence. I EXPECT FULL COMPLIANCE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
On XX/XX/2025 I disputed a debt for XXXX XXXX in the amount of {$1100.00} trying to be collected by a debt collector : LVNV Funding LLC. This debt was not verified correctly as only a bill was sent, not a signed contract stating that I owe LVNV Funding. I disputed debt with instructions to delete this item from my credit report and on XX/XX/2025 Transunion approved this request, but the item is still on my credit report. 

On XX/XX/2025 I disputed three debts for : XXXX  in the amount of {$1000.00} ( LVNV Funding LLC ) XXXX XXXX in the amount of {$690.00} ( XXXX XXXX XXXX XXXX XXXX Bank in the amount of {$410.00} ( LVNV Funding LLC ) In my dispute I had instructions to delete the item off my credit report. On XX/XX/2025 XXXX  approved my disputes, but the items still remain on my credit report. I have not received a signed contract from any of the above debt collectors to verify the debt in my name and have only received bills of amounts they are requesting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Dear CFPB, I am writing to formally lodge a complaint against CAPITAL ONE Account Number XXXX and the XXXX major credit reporting agenciesExperian, Equifax, and TransUniondue to multiple violations of my rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and the Gramm-Leach-Bliley Act ( GLBA ). CAPITAL ONE has erroneously placed this account on my credit report, negatively impacting my credit standing. Despite my repeated requests, they have failed to provide legally required documentation to validate these debts. Specifically, CAPITAL ONE has refused to provide the following : Proper accounting records True validation of debt Forward flow agreement Chain of assignment Purchase agreement Insurance claim of debt My signature agreeing to pay Their refusal to furnish these records violates 15 U.S.C. 1692g under the FDCPA, which requires debt collectors to verify debts upon request. Additionally, CAPITAL ONE has engaged in harassment and deceptive practices, including : Issuing Mini XXXX warnings in an intimidating manner Misrepresenting themselves as a government agency, violating 15 U.S.C. 1692e ( 1 ) Furthermore, CAPITAL ONE has violated the Gramm-Leach-Bliley Act ( GLBA ) Sections 6802 & 6803, which mandate financial institutions to protect consumer privacy and properly disclose how personal financial information is handled. CAPITAL ONE has failed to : Provide clear privacy notices regarding my financial information Obtain proper authorization before sharing or handling my personal financial details Ensure transparency regarding their use of my data These violations infringe upon consumer protection laws intended to safeguard financial privacy and fair debt collection practices. Moreover, the credit bureaus have failed to properly investigate my disputes, violating 15 U.S.C. 1681i ( a ) under the FCRA. Despite my requests, they have neglected their obligation to remove inaccurate information from my report, unjustly supporting CAPITAL ONEs improper reporting practices. I request immediate action from the CFPB to investigate CAPITAL ONE 's unlawful collection tactics and the failure of credit bureaus to fairly review my disputes. I demand the immediate removal of these accounts from my credit report due to lack of proper validation and documentation. I appreciate your prompt attention to this matter and look forward to your response. Please contact me if further information is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have encountered difficulties accessing my Experian Credit Bureau and Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-06-20 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: NC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
MACYSCBNA is reporting lates for XX/XX/XXXX and XX/XX/XXXX. That is not true and I demand it be taken off as this information is false.

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 2025-06-20 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: TN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$720.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$450.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-06-20 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX NY XXXX ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$570.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$2200.00} INQUIRIES : XXXX  Date : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: LEXISNEXIS
State: DC

Complaint narrative:
LEXIS THIS IS RESPONSE I, XXXX XXXX VICTIM OF IDENTITY THEFT FROM LATEST LEXIS NEXUS DATA BREACH, MY PARENTS HAVE HAD A TRUST FUND FOR ME SINCE I WAS A BABY ; I NEVER NEED A BANK. I HAVE NEVER NEEDED ANY BANK ACCOUNT. I HAVE NEVER APPLIED FOR ANY CREDIT IN MY LIFE, NOR HAVE I CAUSED ANY INQUIRIES. MY ONLY INFORMATION HAS BEEN MY INFORMATION SINCE THE YEAR XXXX, WHICH IS : I HAVE LIVED : AT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MY ENTIRE LIFE. I HAVE NEVER LIVED AT ANY OF THOSE NON MAILABLE ADDRESSES PERTAINING TO MY FILE, AND MY PHONE NUMBER HAS ALWAYS BEEN XXXX, I HAVE NEVER APPLIED FOR STUDENT LOANS NOR ANY LOANS, XXXX XXXX, AND HAVE NEVER HAD ANY CREDIT ACCOUNTS. AND NEVER HAD ANY EVICTIONS, JUDGEMENTS, OR PUBLIC RECORDS OR APARTMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Property Receivables, Corp
State: WA

Complaint narrative:
I discovered a {$1200.00} collection account from Property Receivables on my credit report in XX/XX/XXXX. This was the first time I became aware of the debt. I never received any written communication or notice of the debt, as required under the FDCPA. 

The move-out date for the apartment associated with this debt was XX/XX/XXXX. Property Receivables began attempting to collect in or around XX/XX/XXXX, more than two years later, but I received no written notification, only missed phone calls and voicemails that were marked as spam. 

When I called Property Receivables in XX/XX/XXXX to ask about the debt, they refused to give me any information. I asked for any details showing what the debt was for. They refused and said only that they had " already tried to contact '' me. I was not given any way to review or validate the debt. 

Because I never received written notice or a debt validation letter, I have not been given a fair opportunity to dispute or verify the accuracy of this debt. It has significantly harmed my credit and caused a drop in my score of about XXXX points. 

I am requesting that Property Receivables provide full validation of the debt in writing, including details of the original charges, and remove or pause reporting to the credit bureaus until proper validation is completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>2023, Balance : {$7500.00}

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 2025-06-20 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$980.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} INQUIRIES : XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Pursuant to 15 U.S. Code 1681, I request that you : 1. Remove the disputed hard inquiries from my credit report.

2. Conduct a thorough investigation into this dispute and verify the accuracy of the disputed information.

3. Provide me with written confirmation of the removal and the results of your investigation.

# # Request for Expedited Processing Given the potential harm caused by the data breaches and the inaccurate information on my credit report, I request that you expedite the processing of this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: TX

Complaint narrative:
I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by Experian Information Solutions Inc . Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 
Details of the Complaint : 1. Failure to Ensure Maximum Possible Accuracy The FCRA requires that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains inaccurate entries from XXXX ) - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, that remain unverified despite formal disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been inadequately handled, demonstrating a failure to uphold FCRA standards for accuracy. 
2. Inadequate Investigation and Reliance on Automated Verification Systems Under FCRA, 15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus must conduct thorough investigations of disputed information. However, my previous disputes have been met with automated responses through systems like e-OSCAR, which fail to meet legal requirements for a complete investigation. This approach neglects a comprehensive review of the disputed entries, perpetuating inaccurate information on my report.

3. Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers. Experian Information Solutions Inc. has not adhered to TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with TILA has compounded the inaccuracies on my credit report, further violating my rights as a consumer.

4. Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt collectors and furnishers of information must report accurate, verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, constituting a violation of FDCPA protections.

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