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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/XXXX, I reported a fraudulent ATM withdrawal of {$700.00} from my Capital One account. Under the Electronic Fund Transfer Act ( EFTA ) and Regulation E 1005.11 ( c ), Capital One is required to investigate the claim within 10 business days, notify me of the results within 3 business days of completing the investigation, and either issue a permanent credit or a provisional credit within that timeframe. 

As of today, XX/XX/XXXX at XXXX, it has been 10 business days. Capital One has not : Provided me with the results of the investigation ; Credited my account either provisionally or permanently ; Notified me that they are extending the investigation or providing provisional credit under the 45-day extension rule.

I have not received any communication or updates regarding the claims status. This appears to be a clear violation of Regulation E and the EFTA. I am requesting immediate resolution, including the return of my {$700.00}, and any additional damages or remedies available under the law.

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 information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint because Equifax is reporting multiple charge-off and collection accounts on my credit file that are inaccurate, unverified, and damaging to my consumer profile. I have already disputed these accounts, and Equifax has failed to conduct a reasonable investigation or provide any meaningful verification as required by the Fair Credit Reporting Act under XXXX U.S.C. 1681i and 1681e ( b ). These items remain on my report despite the lack of validation, which is both unlawful and negligent. 

The first account in question is XXXX XXXX  - XXXX, reported as opened on XX/XX/XXXX with a balance of {$20000.00}. I have no contractual relationship with XXXX XXXX, and Equifax has not produced any signed agreement, billing history, or other documentation proving that this debt is valid or that I am legally responsible for it. Reporting such a high-balance charge-off without any form of documentation is grossly irresponsible and violates my rights as a consumer. 

The second is XXXX XXXX - XXXX, opened on XX/XX/XXXX with a balance of {$1200.00}. This account has been disputed previously, yet Equifax continues to report it without providing any verification beyond mere data-furnisher affirmation. That is not validation under the FCRA. If Equifax can not obtain the signed original agreement and a complete payment history from the creditor, it has no business continuing to report this debt. 

Next is XXXX XXXX XXXX - XXXX, opened on XX/XX/XXXX with a balance of {$660.00}. I have no recollection or association with this account, and I have not been provided with any documentation to show that it is mine. This entry appears to be either the result of misreporting or mixed-file contamination. The failure to investigate and remove this unverifiable debt is a direct violation of federal law. 

Finally, XXXX  XXXX - XXXX, opened on XX/XX/XXXX with a balance of {$2300.00}, has also been the subject of prior disputes. No documentation has been presented to confirm the validity of this debt or my legal responsibility for it. The continued presence of this charge-off despite a lack of proper reinvestigation is unjustified, harmful, and in violation of the FCRA. 

I am entitled to accurate reporting and a good faith reinvestigation of my disputes. Instead, Equifax has allowed these inaccurate accounts to remain despite being unable to substantiate them with any legally sufficient documentation.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim  of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/2024 - {$410.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$190.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
DEBTORS ARE REPORTING TO THE CREDIT BUREAUS ACCOUNTS THAT ARE FILED AND DISCHARGED UNDER BANKRUPTCY. UNDER 15 USC 1681EB THE FAIR CREDIT REPORTING ACT STATES THE CREDIT BUREAUS ARE LEGALLY REQUIRED TO MAINTAIN MAXIMUM POSSIBLE ACCURACY ON MY CREDIT REPORT SO HOW ARE THEY ACCURATE IF THE INFO THEY CLAIMED WAS VERIFIED BY THE COURTHOUSE WASNT EVEN VERIFIED OR PROVIDED BY THE COURTHOUSE, THAT IS INACCURACY, THATS A FCRA VIOLATION. CREDIT BUREAUS ARE REPORTING INFO THAT IS NOT ACCURATE AND VERIFIABLE

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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: NJ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter serves as my second formal dispute regarding fraudulent accounts that remain on my credit report despite my initial request for investigation and removal. I have already submitted an FTC Identity Theft Report, and enclosed again is a copy for your reference, along with my government-issued ID and proof of address.

The following accounts are the result of identity theft and do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were fraudulently opened or used without my authorization and continue to negatively impact my credit report and financial standing. Under the Fair Credit Reporting Act ( FCRA ) 605B,

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: FL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

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 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: Experian Information Solutions 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 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 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject : Urgent Request for Verification Method FCRA Rights Violation & Identity Theft I am writing to formally demand that Experian provide the specific method of verification used to verify the accuracy of the XXXX XXXX XXXX account currently listed on my credit report. Despite repeated requests, Experian has only responded that the item was verified, yet has refused to disclose how it was verified or provide any documentation supporting this conclusion. 

I am the victim of identity theft, and this account is fraudulent and was used without my knowledge or consent. I have submitted the following supporting documentation : FTC Identity Theft Report Local police report Affidavits and supporting documents explaining the fraud Experian has not acknowledged the full scope of this evidence, nor provided transparency into their reinvestigation process. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ), I have the right to request and receive : The method of verification The furnishers name, address, and contact information Any documentation used to verify the disputed item Experians refusal to provide this violates my rights under the FCRA and obstructs my ability to protect myself from further harm. I am formally requesting : 1. Immediate removal of the disputed XXXX XXXX XXXX account.

2. A full description of the verification method used.

3. All records provided by the furnisher in the reinvestigation. 
4. Reinvestigation of this account in compliance with FCRA guidelines.

If this issue is not resolved, I will escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ), state attorney general, and seek legal counsel if necessary.

Consumers deserve protection and transparencyespecially when victims of identity theft. I respectfully urge Experian to fulfill its legal obligations and address this matter with the seriousness it deserves.

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 information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 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 explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Credit Services Inc.
State: FL

Complaint narrative:
FIRST CREDIT SERVICES XXXX XXXX XXXX, XXXX  XXXX XXXX, NJ XXXX Account number : XXXX XXXX XXXX XXXX  XXXX  Subject : Dispute and Request for Removal of Inaccurate Gym Membership Debt Pursuant to 15 U.S.C. 1681 & 1692 To Whom It May Concern, I am writing to formally dispute a debt currently being reported under my name related to a gym membership with [ Crunch XXXX ]. The amount in question is [ {$270.00} ], and the account is listed under reference/account number XXXXXXXX XXXX XXXX XXXX XXXX. 

This debt is either : Inaccurate ( explain : e.g., I cancelled the membership per terms, I never received notice of balance, the charges are incorrect, etc. ), or Unauthorized/Fraudulent ( if applicable : e.g., identity theft, someone else used your info ), or In violation of the contract ( e.g., gym failed to honor cancellation or charged fees after termination ) Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting written validation of this debt. Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute inaccurate or incomplete information on my credit report. 

I am requesting the following actions : 1. Immediate cessation of collection efforts until the debt is validated.

2. Full documentation showing the origin of the debt, dates of service, signed membership agreement, cancellation policy, and account history.

3. If the debt is found to be inaccurate or invalid, removal of all negative reporting from credit bureaus.

4. Written confirmation of the results of your investigation.

If you are unable to provide the requested documentation, you must cease all collection activity and notify the credit reporting agencies to delete this account, as required by law.

Failure to comply may result in a complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal action under 15 U.S.C. 1692k and 1681n for damages related to inaccurate reporting and collection. 

Please respond within 30 days of receiving this letter. I expect full compliance as required by federal law. 

Sincerely, XXXX XXXX XXXX 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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