vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please review the provided materials ; the questions arrived without prior notice and may be unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: AR

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
Account : XXXX XXXX XX/XX/year> {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I received a Inquiry on my credit report that i don't recognize.

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 2025-12-23 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 are misattributed to me and must be taken off within 15 days per USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: NY

Complaint narrative:
I am submitting this dispute for inaccurate or incomplete information that appears on my Equifax credit report. I request that the following accounts be reviewed and corrected : Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: PLS GROUP, INC
State: NY

Complaint narrative:
I bought 2 money orders from pls XXXX XXXX on XXXX XXXX, I paced these money orders in the bank, the bank rejected them and I brought them back to pls for a refund, they took the copies of the money orders and made copies and sent it to there head office for a refund, I waited like 5 weeks and did not receive the refund, I went back to the store and call HR and they told me the check was sent to me but was cashed, I was told to do an affidavit stating I did not cash or receive my check, and it was sent to there HR department, I called over 20 times and HR said they did not receive the affidavit, I went back to the store about 10 times and they keep saying they sent it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-23 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: IL

Complaint narrative:
XXXX XXXX XXXX asked me to send a police report for them to remove negative item from report. I have also provided ftc report as well. Experian and Transunion should remove all negative items from report immediately

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 2025-12-23 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: Source Receivables Management LLC
State: IL

Complaint narrative:
Source Receivables Management asked me to send a police report for them to remove negative item from report. I have also provided ftc report as well. XXXX  and XXXX  should remove all negative items from report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: GA

Complaint narrative:
I am disputing the accuracy of the following accounts listed under the charged-off section. These accounts contain incorrect balances or outdated information. Please verify and correct these entries. 

Charged Off Accounts : XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$7300.00} XXXX  XXXX, XXXX, XX/XX/XXXX, Balance : {$270.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$840.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$830.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$740.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DOFED, 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 2025-12-23 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: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am submitting this complaint to Experian, Equifax, and TransUnion regarding the XXXX XXXX XXXX account ending XXXX XXXX XXXX XXXX XXXXXXXX with a balance of {$23000.00}. This account is not mine, was never authorized, and belongs to another individual with the same or similar name. I never received any notice, never signed any agreement, and have no relationship with this debt. 

There are numerous inconsistencies across the bureaus, including differing open dates, conflicting high credit amounts, mismatched last reported dates, varying dates of last activity and last payment, and contradictory payment histories. Experian reports continuous " charge-off, '' Equifax shows mostly OK with a late, and TransUnion shows no recent status. These discrepancies are factually and legally incorrect, unverifiable, and represent a clear case of a mixed file error.

Under FCRA 607 ( b ), 611 ( a ) ( 1 ), 611 ( a ) ( 5 ) ( B ), and 623 ( a ), consumer reporting agencies must maintain procedures to ensure maximum possible accuracy, investigate disputes meaningfully, and must not reinstate inaccurate information. The continued reporting of this account constitutes willful non-compliance.

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 2025-12-23 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:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX my Capital One account was restricted. This was 2 months ago. In the email that notified my restriction it stated the following, " If you dont call within 30 days your accounts may be closed. '' I attempted to call Capital One to try and provide the necessary information to remove the restriction on my account, but unfortunately I could not get the information they requested. In response to this I waited 30 days as their policy states that my account would be closed after 30 days, and theyre responsible for mailing a check if any balance is still remaining. Though after 30 days, nothing happened and my account is still restricted. I have {$570.00} in my capital one checking account that I have not been able to access for 2 months. I recently tried calling the number that the app gives me to remove my restriction, but the customer support was unhelpful. They told me that the " investigation was still ongoing and that they could practically do nothing. They also did not give me a time frame at all for when I would get my money back, if anything they could keep it indefinitely if they wanted to. I am filing this complaint because I have {$570.00} stuck in my capital one checking which I am unable to access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
I am requesting CFPB investigation into Navy Federal Credit Union for unlawful and deceptive lending practices after it denied my {$3000.00} personal loan application based on vague, generic credit report information that Navy Federal did not independently verify, validate, or meaningfully review. The denial appears to have been generated through automated system decisioning rather than a lawful, individualized underwriting analysis, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), the Equal Credit Opportunity Act ( 15 U.S.C. 1691 ), and the Consumer Financial Protection Acts prohibition on Unfair, Deceptive, or Abusive Acts or Practices ( 12 U.S.C. 5531 ). Navy Federal failed to disclose specific tradelines, verified data points, dates, or material deficiencies relied upon, while presenting the systems output as a factual basis for denial despite its inaccuracy. This conduct is unfair and deceptive because it relies on unverified data, abusive because it deprives the consumer of the ability to dispute or correct alleged information, and unlawful because it masks automated decisioning as legitimate underwriting. These actions suggest systemic compliance failures, improper reliance on third-party or algorithmic data, and disregard for statutory accuracy and disclosure obligations, warranting immediate CFPB supervisory and enforcement review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: NJ

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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.

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IN

Complaint narrative:
I am submitting this complaint regarding Fair Collections & Outsourcing for continued reporting of a paid collection account. 

The account referenced was paid in full and reflects a XXXX balance. Despite the resolution of the account, it continues to be reported as a collection tradeline, causing ongoing and disproportionate harm to my creditworthiness. 

I contacted Fair Collections & Outsourcing directly and requested a goodwill deletion due to good-faith payment and resolution of the account. My request was denied without a substantive review of the consumer impact or reporting fairness.

While the account may be factually accurate, I am requesting a compliance review under the Fair Credit Reporting Act ( 15 U.S.C. 623 ) to determine whether continued reporting of a paid, closed collection serves a permissible purpose and meets standards of accuracy, fairness, and completeness.

I am requesting that Fair Collections & Outsourcing : Conduct a formal review of this tradeline Provide written justification for continued reporting Remove the collection account as a courtesy or compliance-based adjustment I am seeking deletion or suppression of the tradeline due to payment, resolution, and ongoing consumer harm.

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 2025-12-23 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:
I am writing to dispute the following accounts on my credit report. The accounts listed below are inaccurate and do not reflect my true credit history. I request that they be reviewed and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : Oportunprog Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
THESE ACCOUNTS WERE NOT OPENED OR APPROVED BY ME. I HAVE NO CONNECTION TO THESE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: IL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian is in violation of my rights under the FCRA, actively furnishing information that I have requested to be blocked/deleted from my Experian Credit Report File. 

The Personal Information : ( Address ) XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Has been identified in a FTC Identity Theft Report, Associated with the Account furnished on my credit report, and I am demanding it to be blocked, or else I will send a pre-litigation demand, as I have exhausted all professional resources to handle this amicably. 

I request escalation to supervisor review.

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