vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 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:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to the lack of response or a response that I classify as frivolous, the credit bureaus involved have failed to honor the FCRA regulations and my lawful request for verification under 15 U.S.C. 1681i. Despite my formal disputes, the account remains inaccurately reported with no proper documentation provided to substantiate the late status. This has negatively impacted my credit profile and overall financial standing .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$790.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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 submitted formal dispute letters to all three credit bureaus, including evidence such as screenshots and documents clearly showing inconsistencies and inaccuracies in the account information. Despite submitting these materials, I have not received a proper or meaningful response. The account remains unchanged on my credit reports, and I believe the bureaus have failed to conduct a reasonable investigation as required by the Fair Credit Reporting Act ( FCRA ). 

The accounts I disputed are as follows : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inaccuracies have not been corrected or removed, and no sufficient explanation has been provided. I respectfully request the CFPB to assist in enforcing a full and fair investigation by the credit bureaus and ensure that unverified or inaccurate information is removed from my credit reports. 

Attached to this complaint are copies of the original dispute letters and the evidence I previously submitted to the credit bureaus. 

Requested Resolution : Immediate removal of the inaccurate charge-off entries.

Written confirmation from each credit bureau of the results of a full reinvestigation.

Compliance with FCRA guidelines and protection of my credit rights USPS : XXXX delivery date : XX/XX/2025 Shipped To : Experian XXXX XXXXXXXX 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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
XXXX is a maniacal fanatic liar that keeps doing the same worthless wordy response and doesn't address the only issue which is that all payments are made current once the loan modification was implemented. After the loan modification is implemented, all previous late payments are eliminated. XXXX refuses to do this. 

They keep lying and talking about trial payments, previous lates, or 100 % worthless talk that does 0 % to address the time of the loan modification and making any previously claimed late payment current. All the wordy responses, papers, and everything provided is complete garbage and a smoke screen for XXXX 's fanatical and maniacal refusal to acknowledge reporting lates they claim happened before the loan modification, which they refuse to provide. They need to give the fully executed loan modification, recognize and fix their mistakes, or get shut down. The fanaticism by which they avoid acknowledging screwing up can only be compared to the defenders of XXXX XXXX in XXXX that chose to burn alive in caves when out of ammo than surrender and accept defeat.

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I submitted a written request to TransUnion to remove outdated personal information from my credit report, including former addresses and old phone numbers that no longer belong to me. I also included proof of my identity and current address. TransUnion failed to act on my request, and the outdated personal information still remains on my report. 

This violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to maintain accurate and up-to-date information. This obsolete data is not relevant to my current credit profile and may affect credit decisions. 

I am requesting that TransUnion immediately remove all outdated personal information and retain only my current, verified address and contact details.

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
On or around XX/XX/year>, Equifax unilaterally applied Consumer Disputes Reinvestigation in Process descriptors to multiple tradelines that I never disputed, never authorized to be investigated, and never listed in any of my prior letters or formal disputes. These include active or current accounts and others that were outside the scope of my actual complaint. 

This occurred after I had already submitted formal dispute letters via mail, followed by a CFPB complaint regarding XXXX failure to allow access to online disputes and failure to correct disputed tradelines like those from XXXX XXXX XXXX. 

XXXX actions are retaliatory, XXXX, and raise serious concerns under the Fair Credit Reporting Act ( FCRA ). Updating non-disputed accounts as disputed is a direct violation of FCRA XXXX ( b ) ( accuracy ), XXXX ( dispute process ), and potentially XXXX. I have documented proof showing the affected tradelines, the alert timestamps, and that no validation has been provided by the furnishers involved. 

I am also investigating potential re-aging violations and will be pursuing litigation against Equifax for ongoing credit XXXX, willful XXXX, and obstruction of consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
In XX/XX/year>, I purchased a cruise ticket from XXXX XXXX for {$1600.00} using my Capital One credit card. I later called the cruise line to upgrade part of the package and expected to see only a price adjustment. Instead, I was charged an additional $ XXXX completely separate charge. Thinking this was a duplicate transaction, I attempted to contact XXXXXXXX XXXX multiple times but received no response, so I filed a dispute with Capital One. 

Capital One initially issued a provisional credit for the {$1700.00} in XX/XX/year>. Separately, I ended up not taking the cruise, and XXXXXXXX XXXX issued a partial refund for the original {$1600.00} charge, which was appropriate under their cancellation policy.

However, Capital One later reversed part of the {$1700.00} credit, stating they had received documentation from the merchant confirming the charge, including a confirmation number and that the charge matched " similar payments. '' But after finally speaking with the cruise line, I was told the {$1700.00} charge was actually for another passengernot my reservation. Its completely unclear how or why that charge ended up on my account.

Despite my repeated requests, Capital One refuses to provide me with the actual documentation they claim to have received from the merchant. I've been disputing this for over six months, and Capital One continues to stand by what appears to be an inaccurate and unsupported charge. I believe Capital One failed to properly investigate the dispute and is refusing transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: KS

Complaint narrative:
I am being wrongly pursued for a debt that I do not owe. In XX/XX/XXXX, I was contacted by a company called XXXX XXXX regarding a debt they claimed was mine. I informed them that I had been a victim of identity theft and that someone had used my personal information in multiple states to attempt to obtain services and benefits fraudulently. 

I asked XXXX XXXX to provide details about the individual or account in question so I could verify it was not mine. They refused to share any information but instead asked me to provide my personal information so they could compare it to the data they had on file. After verifying that the information did not match, they told me not to worry and that they would no longer pursue the matter. 

Despite this, in XX/XX/XXXX, several of my friends informed me that they had received phone calls about this same debt under my name. I called XXXX XXXX again and asked them to stop contacting me or anyone else regarding a debt that is not mine. 

However, on XX/XX/XXXX, I received a letter in the mail from a company called Capio XXXX, now attempting to collect on the same debt originally claimed by XXXX XXXX. I immediately called Capio Partners to dispute the debt and informed them that this account is fraudulent and not associated with me in any way. 

I am deeply concerned about how my personal information was obtained and used, and I am requesting a full investigation. This ongoing situation is causing me unnecessary stress and potentially damaging my credit and reputation. I am requesting that this collection be stopped immediately, that any information reported to credit bureaus be removed, and that both companies be held accountable for continuing to pursue a debt they previously confirmed does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: FL

Complaint narrative:
XXXX XXXX has been reporting late payments on my credit card account ending in XXXX ( also listed as XXXX on some reports ) to the credit reporting agencies ( XXXX, Equifax, and XXXX  ). I have submitted multiple disputes requesting that they remove this inaccurate and unverified negative information. 

Each time, XXXX XXXX responded with vague statements like verified or accurate, but they have never provided any documentation or legal justification for their reporting. Specifically, they have failed to comply with 15 U.S. Code 1666b, which requires that a statement be mailed or delivered at least 21 days before the payment due date in order to legally report a payment as late. 

On XX/XX/XXXX, I received another response from XXXX XXXX again claiming the information is accurate. They also stated that no late payment was reported in XX/XX/XXXX, even though that month is not listed as late on any of my credit reports. This contradiction shows their records are inaccurate and that they are providing false information to the credit bureaus. 

This situation violates the following federal laws : - 15 U.S. Code 1666b Timing requirements for reporting late payments - 15 U.S. Code 1681s-2 ( b ) Duty to conduct a reasonable investigation - 15 U.S. Code 1681i Obligation to maintain complete and accurate information They have failed to verify the late payment entries after repeated requests. As a result, Im requesting that the CFPB intervene and ensure XXXX XXXX permanently deletes all unverified late payment information from my credit reports. I have attached my formal final letter sent to XXXX XXXX as evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX has been reporting late payments on my credit card account ending in XXXX ( also listed as XXXX on some reports ) to the credit reporting agencies ( XXXX XXXX  and TransUnion ). I have submitted multiple disputes requesting that they remove this inaccurate and unverified negative information. 

Each time, XXXX XXXX responded with vague statements like verified or accurate, but they have never provided any documentation or legal justification for their reporting. Specifically, they have failed to comply with 15 U.S. Code 1666b, which requires that a statement be mailed or delivered at least 21 days before the payment due date in order to legally report a payment as late. 

On XX/XX/XXXX, I received another response from XXXX XXXX again claiming the information is accurate. They also stated that no late payment was reported in XX/XX/XXXX, even though that month is not listed as late on any of my credit reports. This contradiction shows their records are inaccurate and that they are providing false information to the credit bureaus. 

This situation violates the following federal laws : - 15 U.S. Code 1666b Timing requirements for reporting late payments - 15 U.S. Code 1681s-2 ( b ) Duty to conduct a reasonable investigation - 15 U.S. Code 1681i Obligation to maintain complete and accurate information They have failed to verify the late payment entries after repeated requests. As a result, Im requesting that the CFPB intervene and ensure XXXX XXXX permanently deletes all unverified late payment information from my credit reports. I have attached my formal final letter sent to XXXX XXXX as evidence.

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 2025-06-17 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:
XXXX In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX  XXXX, XXXX, XXXX and reference XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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:
XXXX In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX  XXXX, XXXX, XXXX and reference XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2025-06-17 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: AZ

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these as accounts from my report, they are hurting my ability to obtain credit.

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 2025-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: SIMM Associates, Inc.

Complaint narrative:
I am writing from XXXX and have never been to the United States. Despite this, over the past month, a debt collection company named SIMM Associates , Inc. ( XXXX XXXX XXXX XXXX XXXX XXXX ) has repeatedly contacted me via email. I have received XXXX emails in total, starting last month, with the most recent one received today, XX/XX/year>. 

These emails demand payment for alleged XXXX XXXX from XXXX XXXX XXXX XXXX, stating an unpaid balance of {$350.00}. This claim is absurd and entirely false as I have never utilized any XXXX XXXX in the XXXX. 

SIMM Associates appears to be attempting to collect a non-existent debt from an incorrect individual, demonstrating a failure to verify the legitimacy of the debtor. This constitutes an unsolicited and harassing attempt to collect a debt that I do not owe, as I have no connection to the XXXX or the named service provider. I consider these emails to be unfair and deceptive collection practices

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Unauthorized inquiry on mXXXX 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 2025-06-17 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: TX

Complaint narrative:
I am filing a formal complaint with the Federal Trade Commission ( FTC ) on the basis that your agency accessed and reported information from my consumer file without my explicit written consent. This conduct constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically the permissible purposes defined under 15 U.S. Code 1681b. As the FTC is charged with enforcing federal consumer protection laws, I am requesting immediate action to investigate and remedy this unauthorized activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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:
Please see attachments! 
I have attached my FTC Identity Theft Report, along with copies of my identification, Social Security Number, and proof of my current address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: TX

Complaint narrative:
On XX/XX/year>, I filed a formal complaint with the CFPB regarding false and unlawful credit reporting by TransUnion. In retaliation, TransUnion denied me access to my credit report for nearly 90 days. On XX/XX/year>, a supervisor named XXXX confirmed that I would not be allowed to view my file until after their investigation closed. This obstruction prevented me from purchasing a vehicle and caused measurable economic harm. 

I submitted multiple dispute filings and affidavits to TransUnion, requesting validation under FCRA 1681i, audit history, IRS Form 1099-C documentation, and immediate correction of tradelines. None of these were acknowledged. Instead, TransUnion continued reporting unverified charge-offs from entities such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX all without response to my IRS disclosure requests. 

On XX/XX/year>, I called the CFPB to escalate the matter. I was told by an agent named XXXX that no one at the CFPB reviews complaints the companies do. When I asked for a supervisor, the call was disconnected. 

This confirms not only TransUnions commercial dishonor but also systemic failure by the CFPB to protect consumers from vertical integration, credit file retaliation, and IRS violations. I am now submitting this as part of a scroll-backed record, including affidavits, tax documentation, and a commercial invoice for damages.

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