vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-08-11 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:
Inconsistent Payment Statuses- TransUnion : XXXX  days past due - Experian : Past due XXXX  days - Equifax : At least XXXX  days or more than XXXX payments past due Different Past Due Balances - TransUnion : {$50.00} Experian : {$50.00} - Equifax : {$40.00} Different Date Last Active - TransUnion : XX/XX/2025 Experian : XX/XX/2025 - Equifax : XX/XX/2025 Conflicting Payment Histories- TransUnion : o XXXX  days late reported as of XXXX XXXX  o Consistent lates : XXXX, XXXX, XXXX, XXXX - Experian : o Also XXXX days late in XX/XX/2025, but reflects XXXX  days past due status - Equifax : o Matches XXXX late in XXXX, but no XXXX appearsonly OKs until then The payment history blocks are not synchronized, which violates the standard of uniform and accurate reporting. 

This account was CHARGED OFF on the following date ( XX/XX/2025 ). Since then, the account has repeatedly been updated as CHARGED OFF every month. This is an update in the payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate the account properly, and your neglect has violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: TX

Complaint narrative:
Inconsistent Payment Statuses- TransUnion : XXXX  days past due - Experian : Past due XXXX  days - Equifax : At least XXXX  days or more than XXXX payments past due Different Past Due Balances - TransUnion : {$50.00} Experian : {$50.00} - Equifax : {$40.00} Different Date Last Active - TransUnion : XX/XX/2025 Experian : XX/XX/2025 - Equifax : XX/XX/2025 Conflicting Payment Histories- TransUnion : o XXXX  days late reported as of XXXX XXXX  o Consistent lates : XXXX, XXXX, XXXX, XXXX - Experian : o Also XXXX days late in XX/XX/2025, but reflects XXXX  days past due status - Equifax : o Matches XXXX late in XXXX, but no XXXX appearsonly OKs until then The payment history blocks are not synchronized, which violates the standard of uniform and accurate reporting. 

This account was CHARGED OFF on the following date ( XX/XX/2025 ). Since then, the account has repeatedly been updated as CHARGED OFF every month. This is an update in the payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate the account properly, and your neglect has violated my rights.

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 2025-08-11 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: SC

Complaint narrative:
There is a late payment reporting to my XXXX XXXX XXXX XXXX account opened on XX/XX/XXXX The late payment is showing on XX/XX/XXXX which is incorrect and needs to be removed asap There are XXXX inquires not done by me not authorize by me the following is : XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX  XX/XX/XXXX and need to be removed asap. 

Failure to delete inaccurate, incomplete, or unverifiable information from my credit file. 
I been denied credit, insurance, and employment due to this incorrect late payment on my credit report The federal Fair Credit Reporting Act ( FCRA ) gives consumers the right to dispute incomplete or inaccurate information in their credit file and requires consumer reporting agencies like TransUnion to forward such disputes to the company that originally provided the information ( called the furnisher ) for investigation. FCRA also requires consumer reporting agencies to reinvestigate such disputes and remove or correct any inaccurate, incomplete, or unverifiable information.

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 2025-08-11 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ph ( XXXX ) XXXX Bank of America Individualized Review Process XXXX XXXX XXXX XXXX XXXX DE XXXX My Bofa EDD visa debit account ends in XXXX Request for IRP # XXXX check for {$1400.00} dated XX/XX/XXXX RE : Request for reconsideration regarding a freeze applied to my account during the IRP review, an urgent request to correct my review for the additional compensation check to still be sent in the mail for my rights I am entitled to for the IRP process Bank of America sent me a check for IRP for {$1400.00} for financial harm of not having a visa debit with access to funds for a time period. Also the IRP letter that came with the check said if the amount is not enough to apply online at XXXX with the irp # XXXX and I submitted everything on time no later that XX/XX/XXXX. 
There was a financially harmful freeze applied to my account on XX/XX/XXXX at the time of the review of my request for IRP that blocked me from all customer service possibly violating my rights to policies in the account agreement, and made me ineligible for the account history incorrectly. Regarding eligibility the first check I received makes me eligible for the additional compensation application process..

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 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Capital one my automatic payment scheduled for the XXXX  did not attempt to come out until the XXXX. They had sent me something saying it was already applied and had already been paid. Then the payment is returned by my bank and One cant see that on their end yet so theyre refusing to accept a payment saying that its already paid but its not and my bill is not due until the XXXX Yet today is the XXXX and they said theres no way for me to pay it until it is return to, which will probably be after the due date and by then have a late fee. I called in to make the payment of XXXX and they said that they appreciate my willingness to make a payment, but have no way to take it currently. This cant be allowed!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: NE

Complaint narrative:
On [ XXXX XXXX ], I submitted formal written disputes to Experian, Equifax, and TransUnion regarding inaccurate and unverifiable information on my credit reports, including : XXXX XXXX XXXX, XXXX, and multiple unauthorized hard inquiries. 

I provided account names, numbers, and the nature of each inaccuracy in full compliance with the FCRA. The bureaus received my disputes and are required under 15 U.S.C. 1681i to conduct a proper reinvestigation within 30 days.

Instead, I received form letters ( example : Equifax letter dated XX/XX/year> ) asking for information I had already provided. This appears to be a delay tactic intended to reset the statutory XXXX clock, rather than conducting a good-faith reinvestigation. 

These agencies have continued reporting the disputed items without providing verification from the furnishers. This is a violation of FCRA 1681i ( failure to reinvestigate ) and 1681e ( b ) ( failure to assure maximum possible accuracy ), and is also noncompliant with Metro 2 reporting standards.

This matter is the subject of active federal litigation in the U.S. District Court for the District of Nebraska, Case No. [ insert case number ], where all three agencies are named defendants. I am providing this complaint and supporting documents to create a CFPB record of their ongoing noncompliance and to demand immediate corrective action, including full deletion of the disputed accounts and inquiries. 

Attachments : Original dispute letters ( with proof of delivery ) Equifax stall letter dated XX/XX/year> Formal Request for Information ( RFI ) sent to all three agencies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: TX

Complaint narrative:
These accounts do not belong to me and seem to be fraudulent. Please delete them and investigate further. Relevant paperwork is enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year> o believed I was sending a refundable deposit to a FRIEND for a vehicle. I have purchased from said friend before and had no reason to believe it was not her I was speaking to. I sent {$1200.00} and almost immediately their verbiage changed and started talking about wiring money, as what I sent up til then was through XXXX. I immediately called WELLS FARGO and opened an investigation and was told the investigation would be completed within 10 business days, and they would reach out for supporting documents. Nobody ever called me, I did file with the FTC, XXXX AND MY LOCAL POLICE DEPARTMENT. Wells Fargo completed their investigation within one day without speaking to me about anything and denied my claims. No wonder scammers get so far nothing is done, when I spoke to Wells Fargo to open the case the charges were still pending and they could have stopped them and did not. I have all the screenshots needed to prove it was a complete scam, the friend I thought I was purchasing from had her XXXX account hacked and has been unable to get it back for months I was unaware.

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I request that this account # XXXX with resurgent collection is removed from all three credit bureaus. I previously requested a cease and desist from this company which I requested that this would include all communication related to me and my name or identity. the company continues to report to all credit bureaus. I called and them to inquire about this account on XX/XX/XXXX to discuss this account and I was not allowed to speak about this account with rep due to cease and desist. XXXX from XXXX responded saying the company will stop all collections and communication but continue to report negative on my credit report. I demand that this account is removed from all three credit bureau XXXX  transunion and XXXX. resurgent can not decide to stop all communication due to cease and desist and continue to report negative to the credit bureaus. I request deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: OH

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: OH

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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 2025-08-11 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: NC

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-08-11 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: IN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-08-11 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: IN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In XX/XX/year>, XXXX XXXX XXXX reported a fraudulent collection account for {$1500.00} to my credit report without my knowledge or authorization. I have never opened or authorized this account, nor have I had any dealings with this agency or the original creditor. I discovered this account during a credit review in XX/XX/year>. 
This is a clear case of identity theft connected to previous fraudulent accounts I recently removed from my credit report. Under the Fair Credit Reporting Act ( FCRA ) 605B, Experian, XXXX XXXX XXXX  are required to block this information within 4 business days of my dispute. 

I have filed an Identity Theft Report with the FTC and demand immediate removal of this account from all credit reports. Failure to comply promptly will force me to pursue further legal action to protect my rights. I request a full and thorough investigation and expect confirmation of the deletion within the legally mandated time frame

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