vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 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:
I am filing this complaint because [ XXXX / Equifax XXXX XXXX ] has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is unlawfulXXXX XXXX XXXX  XXXX ( XXXX XXXX. XXXX ) confirmed all objectively verifiable inaccuracies must be corrected ; XXXXXXXX XXXX XXXX  XXXX XXXX ( XXXX XXXX ) held no entity is immune from FCRA liability ; and XXXX XXXXXXXX XXXX, XXXX ( XXXX. XXXX XXXX ) resulted in a {$23.00} XXXX settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : CHARGE OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am filing this complaint because TransUnion, Experian, and Equifax continue reporting multiple inaccurate and unverifiable accounts on my credit file. 

I previously disputed these items with the credit bureaus, and all three responded that the accounts were verified. However, no documentation was provided demonstrating how these accounts were verified, what information was reviewed, or whether the furnishers supplied any evidence at all. 

This violates several provisions of the Fair Credit Reporting Act, including : FCRA 602 ( A ) maximum possible accuracy FCRA 607 ( b ) bureaus must assure accuracy prior to reporting FCRA 611 ( a ) ( 1 ) duty to conduct a reasonable reinvestigation FCRA 611 ( a ) ( 7 ) right to receive the Method of Verification FCRA 623 ( a ) ( 1 ) ( A ) furnishers may not supply inaccurate information FCRA 623 ( b ) furnishers must conduct their own investigation The bureaus continue reportinXXXX XXXX XXXXl XXXX charge-off with inconsistent dates and impossible payment activity Discover charge-off with signs of re-aging and unverifiable balance history Kikoff charge-off reported without any supporting activity or documentation XXXX late payments that contradict the account ledger Self/Sunrise Bank late payments that do not XXXX XXXX XXXX None of these furnishers have provided any evidence supporting their reporting, and the credit bureaus did not provide the Method of Verification required by FCRA 611 ( a ) ( 7 ) . 

I am requesting CFPB assistance to compel the bureaus and the furnishers to provide actual documentation supporting each account or delete the information as required under federal law. 

I have attached my second-round dispute letter listing each account and the violations involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am filing this complaint because TransUnion, Experian, and Equifax continue reporting multiple inaccurate and unverifiable accounts on my credit file. 

I previously disputed these items with the credit bureaus, and all three responded that the accounts were verified. However, no documentation was provided demonstrating how these accounts were verified, what information was reviewed, or whether the furnishers supplied any evidence at all. 

This violates several provisions of the Fair Credit Reporting Act, including : FCRA 602 ( A ) maximum possible accuracy FCRA 607 ( b ) bureaus must assure accuracy prior to reporting FCRA 611 ( a ) ( 1 ) duty to conduct a reasonable reinvestigation FCRA 611 ( a ) ( 7 ) right to receive the Method of Verification FCRA 623 ( a ) ( 1 ) ( A ) furnishers may not supply inaccurate information FCRA 623 ( b ) furnishers must conduct their own investigation The bureaus continue reportinXXXX XXXX XXXXl XXXX charge-off with inconsistent dates and impossible payment activity Discover charge-off with signs of re-aging and unverifiable balance history Kikoff charge-off reported without any supporting activity or documentation XXXX late payments that contradict the account ledger Self/Sunrise Bank late payments that do not XXXX XXXX XXXX None of these furnishers have provided any evidence supporting their reporting, and the credit bureaus did not provide the Method of Verification required by FCRA 611 ( a ) ( 7 ) . 

I am requesting CFPB assistance to compel the bureaus and the furnishers to provide actual documentation supporting each account or delete the information as required under federal law. 

I have attached my second-round dispute letter listing each account and the violations involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: CA

Complaint narrative:
On or about XX/XX/2025 I OPENED a promo savings account. 
Funded with XXXX checks totaling XXXX They denied my promo of XXXX saying that the account was restricted. They did this so they dont need to pay bonus,. I completed all the required activities. See attached complaint letter sent to etrade. They said they restricted the account to verify a check I deposited. It appears they do this to a lot of clients per online complaints and they use it as a reason to not pay a bonus. 

They said the account was restricted so they could verify a small check I deposited. Since they restricted the account they said the terms were not met.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: DC

Complaint narrative:
I am writing to formally dispute certain inaccuracies on my credit report. Below, I have outlined the disputed accounts for each bureau. Please review the details provided and ensure that these items are investigated in accordance with the Fair Credit Reporting Act ( FCRA ). Thank you for your prompt attention to this matter. 

nquiries : XXXX XXXX, XX/XX/year> Late Payments : XXXX, Account : XXXX XXXX XXXX XXXX Account : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Citizens Bank provided me with a promotional link to open a new checking account with a {$400.00} bonus ( XXXXXXXX XXXX XXXX XXXX XXXX  ). When I completed the online application, I received an Application ID ( XXXX ) and a message stating the application was denied due to identity verification. The message instructed me to visit a branch to complete the verification process. 

When I visited the branch with my ID, the branch staff stated that they could not locate my online application and could not complete the verification. They also stated they could not honor or access the online promotional offer. 

I then contacted Citizens customer service to escalate the issue. The supervisor provided Reference Number XXXX, but he stated that he was unsure if or how the matter would be addressed. 

Citizens appears to have outdated personal information on file for me from a previous relationship with the bank. Because of this outdated profile, the online system flags my new address and blocks the application. However, the branch does not have access to the online application system and can not complete identity verification or update the online application. Customer service representatives also state that they can not override the electronic process. 

As a result, I am unable to open the account, complete identity verification, or receive the advertised {$400.00} promotional offer, despite following all instructions. I am requesting that Citizens enable completion of my online application, update my customer profile information, and honor the promotional offer as advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: FL

Complaint narrative:
I respectfully submit this letter to dispute the referenced accounts. They were not authorized by me, and I have no relationship with them. I request their prompt removal and verification. Supporting materials are attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: IN

Complaint narrative:
I am submitting this dispute to address inaccurate or unverifiable information on my TransUnion credit report. Please review and correct the following items as required by the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am disputing the following items on my Experian credit report. Please investigate and update the information accordingly. 

Inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: GA

Complaint narrative:
I am submitting this dispute to request a review of the following inaccurate accounts, inquiries, and late payment entries in my Equifax credit report. These items appear to be inaccurate or unverifiable under the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts in Dispute : No charged-off accounts listed for Equifax in this dispute XXXX 

Inquiries in Dispute : XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> Late Payments in Dispute : XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I am filing this complaint because Portfolio Recovery Associates ( PRA ) is reporting two separate collection accounts for the same alleged debt, both with different account numbers. That is the first violation, and PRA knows better. Duplicate reporting is a direct violation of FCRA 607 ( b ) ( maximum possible accuracy ). Accounts Reporting : XXXX {$3900.00} FIRST {$3900.00} Original Creditor : XXXX XXXX XXXX I have never received any written notice before this collection was placed on my credit report, which violates FDCPA 809 ( a ). PRA placed this on my credit with no notification and has continued to furnish and attempt to collect without ever validating anything. 
I requested validation on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX It has been months, and I still have not received one single piece of legally required documentation. 
YOU ALL HaVE a Long History of Lawsuits I am fully aware of PRAs history, including but not limited to lawsuits for : Suing consumers without proof of debt Attempting to collect debts they can not validate Failing to provide validation when requested Reporting inaccurate or duplicated information Unlawful collection practices Misrepresenting balances Violating consent decrees Failing to maintain proper documentation Improper verification responses PRA has paid millions in settlements for these exact same behaviors.

So yes, I know your tactics, and this situation lines up perfectly with PRAs documented pattern of illegal practices.

What PRA Failed to Provide ( Required by Law ) When a consumer disputes a collection, this is what the law requires PRA to send : FDCPA 809 ( b ) Verification Required You must provide : Original signed contract or agreement with my signature Full itemized accounting/ledger showing how the balance was calculated Proof of ownership/assignment from XXXX XXXX XXXXXXXX Complete account history from day one Documentation from the original creditor, not PRAs internal notes Evidence the amount is accurate and legally owed Sending a bill, invoice, or basic screenshot is not validation. 
You have not provided any of the required documents. 
FCRA XXXX XXXX XXXX Violations PRA is violating : FCRA 607 ( b ) Inaccurate duplicate accounts FCRA 611 ( a ) Failure to reasonably investigate FCRA 611 ( a ) ( 5 ) Items must be deleted if unverified XXXX XXXX guidelines PRA can not certify accuracy without documentation YOU ALL marked these accounts verified with zero proof, which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I submitted complaint ( ref number ) XXXX. It was closed bc CFPB said it seemed to be a duplicate, however, it is not. While the complaints are about capital one, they were about different promotional offers. 

Appreciate it if my original complaint would be researched

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NV

Complaint narrative:
I am disputing two public record civil judgments that are appearing in background consumer reports. I previously submitted a dispute to the company, but they did not provide any documentation required under the Fair Credit Reporting Act ( FCRA ). 

Specifically, I disputed : XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Case No. XXXX {$35000.00} XXXX. XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX Case No. XXXX {$28000.00} The companys response did not include certified court documents, judgment orders, docket sheets, or any original source records. Their verification consisted only of locating a matching case number, which does not satisfy FCRA 611 ( a ) or 607 ( b ). They also admitted they do not maintain original documents and simply resell data. 

Because no documentation was provided and no furnisher exists to verify the accuracy or completeness of the records, the judgments remain unverified, incomplete, and inaccurate. These unverifiable records are harming mortgage underwriting and background checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: NV

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 U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am filing this complaint because the credit bureau ( Experian ) have failed to correct or delete an inaccurate collection account reported by the furnisher, XXXX XXXX XXXX, under Account # XXXXXXXX XXXX XXXX 

This account has been formally disputed four separate times due to clear inaccuracies and a lack of legal validation, yet it remains on my report. This failure to act constitutes a violation of the Fair Credit Reporting Act ( FCRA ). 

Why the Account is Inaccurate : The continued reporting of this debt contains verifiable, uncorrected errors : Conflicting Dispute Status : The furnisher 's own remark states, " Customer disputed account, '' but the credit bureau report officially lists the dispute status as " Account not disputed. '' This conflicting information is misleading and violates the FCRA duty to report accurately. 

Misleading Account Status : The account is listed as " Closed, '' but it continues to show an alleged balance owed, which is misleading to potential creditors. 

Unverified Ownership : The Original Creditor is listed as " XXXX XXXX XXXX, '' while the reporting company is " XXXX XXXX XXXX XXXX' The furnisher has failed to provide required documentation proving their legal right to collect and report on this specific debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have called numerous times to Experian, Equifax, TransUnion. These accounts have been settled and agency had already agreed to delete these accounts from my credit report after 30 days after payment was made but they are still there. Please delete off my credit report I have paid them in full. This is a very deceptive way of getting a consumer to pay a collection and not fulfilling the agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: TX

Complaint narrative:
I have called numerous times to Experian, Equifax, TransUnion. These accounts have been settled and agency had already agreed to delete these accounts from my credit report after 30 days after payment was made but they are still there. Please delete off my credit report I have paid them in full. This is a very deceptive way of getting a consumer to pay a collection and not fulfilling the agreement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: FL

Complaint narrative:
The inquiries listed above were not authorized by me. I request that they be promptly investigated and removed from my TransUnion credit report under the provisions of the Fair Credit Reporting Act ( FCRA ). 

INQUIRIES XXXX XXXX Inquiry Date : XXXX  XXXX XXXX, Inquiry Date XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: GA

Complaint narrative:
I am submitting this dispute as I believe the following items listed on my TransUnion credit report are inaccurate or unverifiable. Please investigate and correct the information according to the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts in Dispute : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} Inquiries in Dispute : XXXX XXXX XXXX  XX/XX/XXXX Late Payments in Dispute : XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : 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