vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 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 DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: TX

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act

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 2025-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: OK

Complaint narrative:
Harris and Harris debt collection is trying to collect a debt thats for someone else and they are divulging this persons personal information to me. Theyre telling me the amount owed and what the debt is for via text message.

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 2025-09-18 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:
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 explanation
Consumer complaint received 2025-09-18 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: SC

Complaint narrative:
To Whom It May Concern, I am submitting this complaint as both a formal complaint and a formal dispute regarding an account being reported on my credit file as a request for debt validation addressed to : Creditor : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reported Balance : {$630.00} Status : Account charged off ; {$630.00} written off ; {$630.00} past due as of XX/XX/XXXX I am disputing the accuracy and validity of this account for the following reasons : I have not been provided proper documentation verifying that this debt belongs to me and that the amount being reported is correct. 

I request validation of the debt, including a full account history, proof of the original contract, and an explanation of how the balance of {$630.00} was calculated. 

The reporting of this account as both charged off and past due may be misleading and may constitute duplicate derogatory reporting.

I respectfully request that : The creditor and/or debt collector provide documentation validating this account ; If they can not substantiate the debt with proper documentation, the account be removed from my credit report immediately ; The CFPB review this matter to ensure compliance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Please confirm receipt of this complaint and notify me of any findings or actions taken. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: FL

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX - Balance {$3100.00} Account Name : XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX - Balance {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: SC

Complaint narrative:
To Whom It May Concern, I am submitting this complaint as both a formal complaint and a formal dispute regarding an account being reported on my credit file as a request for debt validation addressed to : Creditor : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reported Balance : {$630.00} Status : Account charged off ; {$630.00} written off ; {$630.00} past due as of XX/XX/XXXX I am disputing the accuracy and validity of this account for the following reasons : I have not been provided proper documentation verifying that this debt belongs to me and that the amount being reported is correct. 

I request validation of the debt, including a full account history, proof of the original contract, and an explanation of how the balance of {$630.00} was calculated. 

The reporting of this account as both charged off and past due may be misleading and may constitute duplicate derogatory reporting.

I respectfully request that : The creditor and/or debt collector provide documentation validating this account ; If they can not substantiate the debt with proper documentation, the account be removed from my credit report immediately ; The CFPB review this matter to ensure compliance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Please confirm receipt of this complaint and notify me of any findings or actions taken. 

Thank you for your assistance. 

Sincerely, 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 2025-09-18 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: SC

Complaint narrative:
To Whom It May Concern, I am submitting this complaint as both a formal complaint and a formal dispute regarding an account being reported on my credit file as a request for debt validation addressed to : Creditor : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reported Balance : {$630.00} Status : Account charged off ; {$630.00} written off ; {$630.00} past due as of XX/XX/XXXX I am disputing the accuracy and validity of this account for the following reasons : I have not been provided proper documentation verifying that this debt belongs to me and that the amount being reported is correct. 

I request validation of the debt, including a full account history, proof of the original contract, and an explanation of how the balance of {$630.00} was calculated. 

The reporting of this account as both charged off and past due may be misleading and may constitute duplicate derogatory reporting.

I respectfully request that : The creditor and/or debt collector provide documentation validating this account ; If they can not substantiate the debt with proper documentation, the account be removed from my credit report immediately ; The CFPB review this matter to ensure compliance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Please confirm receipt of this complaint and notify me of any findings or actions taken. 

Thank you for your assistance. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This is my 11th formal notice and dispute, and I am no longer requesting correctionI am demanding enforcement. The failure of these parties to comply with Federal Law, specifically : FCRA 15 U.S.C. 1681i ( Failure to reinvestigate ), FCRA 15 U.S.C. 1681s-2 ( b ) ( Failure to correct or delete inaccurate data ), and Metro 2 format violations ( in coding, DOFD, balance updates, and account status ), ... has caused ongoing, measurable financial harm. 

At this stage, continued reporting is criminally negligent, and these agencies are in violation of FCRA Section 618, subjecting them to civil liability, punitive damages, and regulatory action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: SC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
In XX/XX/year>, my American Express XXXX XXXX included a {$200.00} annual hotel credit as part of the advertised benefits. I paid the full XXXX  annual fee expecting to receive this benefit. 

In XX/XX/year>, Amex replaced the {$200.00} credit with a new {$600.00} semiannual credit. My unused XXXX  {$200.00} credit was removed mid-year without any written notice. During a chat with Amex, I was told that cardholders who already used the {$200.00} would receive the {$600.00} in addition, yet I was denied my {$200.00} credit despite paying the full annual fee and the year has not ended yet. On a call with Amex, a representative indicated that this was not communicated to end users as this was an internal decision. The decision that would impact end users. 

This is inconsistent and unfair. I am requesting either reinstatement of the 2025 {$200.00} credit or fair compensation ( e.g., statement credit or Membership Rewards points ) to make me whole.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: FL

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit 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 non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing fraudulent accounts that have been wrongfully reported on my credit file. I had no knowledge of or connection to these accounts, and their inclusion is false, damaging, and unlawful. These entries are inaccurate and must not remain on my report.

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 2025-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have noticed collection accounts on my credit report that I believe include inaccurate information. Under my rights granted by 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit report that is fully accurate. I am formally requesting that these accounts be investigated, and if they can not be confirmed as correct, they must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Credit card American Express, a layer from CITIBAN, sued me stating that I owe money and I never received the validation letter.

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 2025-09-18 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:
In observance of 15 U.S. Code 1681g, the disputed items must be removed within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXXXXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-18 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:
This correspondence serves as a formal dispute of a hard inquiry listed on my credit report that I did not authorize. At no point did I initiate, apply for, or grant permission for this entity to access my credit file. The presence of this inquiry is a serious error, negatively impacting the accuracy of my credit history.

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 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
In early XXXX, when the COVID-19 pandemic began, I lost my job and my familys only source of income. 
I applied for Pandemic Unemployment Assistance ( PUA ) through North Carolina, and my weekly benefit amount was only {$130.00}. 
With a young daughter to care for, this amount was not enough to cover rent, food, and basic necessities. 

Between XXXX and XX/XX/XXXX, I fell behind on my only Capital One credit card account and missed XXXX payments. 
These missed payments were never due to neglect but rather a result of extreme hardship and survival decisions during the pandemic. 

Once I regained employment later that year, I worked very hard to rebuild my finances. 
Since then : I have not missed a single payment on any account for over four years. 
I opened a Capital One car loan and another credit card, both of which have perfect payment history since the day they were opened. 

These XXXX late payments are now XXXX  years old and remain the only thing preventing me from qualifying for a mortgage to buy a home for my family. 



The Issue With Capital Ones Response : I have repeatedly reached out to Capital One asking for a one-time goodwill adjustment, not a dispute. 
Despite clearly stating this in writing, Capital One repeatedly treated my request as if I was challenging the accuracy of the reporting. 

I fully acknowledge that the XXXX late payments are accurate my request is for goodwill consideration, which is allowed because creditors are not legally required to report at all, only to report accurately if they do. 

Capital One has denied my request multiple times, most recently on XX/XX/XXXX, stating they can not change reporting on a courtesy basis This response shows they did not fully consider the extraordinary circumstances I presented : Documented unemployment and hardship during the pandemic ( see Attachment A ) My perfect payment history for over XXXX years since then. 
The severe impact these XXXX old late payments are having on my familys ability to secure housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: MOHELA
State: ME

Complaint narrative:
Dear Sir/Madam, I am writing to formally file a complaint regarding how student loan late payments are being reported to the credit bureaus by my federal student loan servicer, MOHELA ( Missouri Higher Education Loan Authority ) .

I currently have multiple federal student loans serviced under one service ID by MOHELA. I make a single monthly payment, which MOHELA then disburses across the underlying loans. That payment is made via automatic direct withdrawal, and my account is currently up to date.

Despite this, a single late payment was reported as 12 separate late payments, one for each individual loan under my account. This occurred even though I make only one consolidated payment to one account. As a result, my credit report now shows 12 delinquent entries for what was effectively a single payment issue, leading to a credit score drop of over XXXX points. 
This practice is misleading and disproportionately punitive, and it does not accurately reflect my credit behavior. For comparison, my credit cards, which are each distinct accounts, only report a single late payment when one occurs. MOHELAs approach treats a single missed payment as XXXX separate delinquencies, creating an exaggerated and damaging impact on my credit profile. 
Furthermore, the immense confusion caused by ongoing changes in federal student loan policy, Moreover, the frequent change in multiple repayment pauses, multiple extensions, forgiveness plans, repayment start dates, program eligibility shifts, unclear restart dates, and inconsistent communication or lack thereof, have caused substantial confusion for borrowers like myself. 
In an effort to resolve this, I have contacted both MOHELA and the Department of Education, formally requesting that the erroneous and unfair reporting be removed or corrected on my credit report. To date, I have received no response from either party. 
This lack of acknowledgment and action, combined with the flawed reporting system, has created serious frustration and serious financial hardship for me. I am now facing challenges obtaining credit and dealing with the long-term effects of a damaged credit score.

I respectfully request that the FTC investigate these reporting practices and advocate for fairer treatment of borrowers. When payments are made to a single account, late payments should not be multiplied across every loan segment. I am willing to provide documentation, including payment history, credit reports, and correspondence records. 
Thank you for your attention to this important matter.

Company response to consumer: In progress