vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have thoroughly reviewed my credit reports from the three major credit bureausTransUnion, Experian, and Equifaxand have identified several serious issues. While TransUnion and Experian list accounts that are inaccurately reported, outdated, or unverifiable, my Equifax report fails to display any credit score or account information at all. These problems are significantly harming my credit profile and do not accurately represent my true credit history. 

Despite my previous efforts to resolve these matters directly with the credit bureaus, I have yet to receive proper validation, verification, or correction of the disputed items. The following concerns remain unresolved : Multiple charge-off accounts are being reported without proper validation or supporting documentation. 

Duplicate accounts appear across different bureaus, often showing inconsistent statuses or balances. 

Accounts that were paid off, settled, or are currently in good standing are still being reported with delinquent or late payment histories. 

Unfamiliar accounts are listed that I did not authorize and that do not match any of my known credit activity. 

One or more accounts are marked as dispute resolved consumer disagrees, yet no documentation or evidence was provided to support this resolution. 

In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I have submitted formal disputes, but have not received a satisfactory resolution or the removal of unverifiable accounts. The ongoing inaccuracies, along with the absence of my Equifax credit score and report, are obstructing my ability to qualify for vital financial services, including housing and auto financing. 

I am requesting a prompt and thorough reinvestigation of these matters and a full correction in compliance with federal law.

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 2025-07-09 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: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
This is a formal complaint regarding the recent data breach at Equifax on or about XX/XX/2017. I was notified of this incident on XXXX XXXX, and it is understood my personal information may have been compromised.

The breach involved personal information. The information potentially accessed my name, address, Social Security number, financial account information. 
This breach raises concerns about potential identity theft and other financial harm. Actions taken to protect oneself include : placing a fraud alert on my credit report. 
The letter requests that Equifax provides the following : A clear description of the data breach, including its scope and impact on personal information. 
The specific measures taken to remedy the situation and prevent future breaches. 
Details about any services offered to affected individuals, such as credit monitoring or identity theft protection services, and instructions on how to utilize them. 
A prompt response to this complaint and a clear explanation of the steps being taken to safeguard information and prevent similar incidents from occurring in the future are expected. Copies of the data breach notification letter received from the company are attached for review Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: NJ

Complaint narrative:
Im filing this complaint because Waypoint Resource Group is reporting a collection account for XXXX XXXX ( Account Number : XXXX ) without giving me any real proof that I owe this debt. I already asked for validation and they failed. They couldnt produce a contract with my signature, a full breakdown of the amount they claim I owe, or proof that they even have the legal right to collect or report anything. That violates Regulation F under 12 CFR 1006.34 ( b ) ( 5 ) and 1006.34 ( c ) ( 4 ) ( i ), which requires debt collectors to verify debt when requested and allow consumers a fair chance to dispute. Waypoint skipped that and went straight to damaging my credit file. Thats deceptive, unfair, and unlawful. Reporting this account without first providing validation violates 15 USC 1681s-2 ( a ) ( 7 ) ( A ). It also violates 15 USC 1681b ( 2 ) because I never gave written authorization to report it, and 15 USC 1681e ( b ) because the information was not verified for maximum possible accuracy. I want this account removed from all credit bureaus immediately. This account is hurting my credit and causing unnecessary stress that couldve been avoided if they followed the law.

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 2025-07-09 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: TX

Complaint narrative:
b'Dear CFBP\nI hope this message finds you well.\nI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair\nCredit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and\nconfidentiality as a consumer, as protected under federal law.\nAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C.  1681, it is established\nthat individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C.  1681, Section 604(a)(2) explicitly\nstates that a consumer reporting agency is prohibited from furnishing a consumers credit report or account\ninformation without obtaining prior written authorization from the consumer in question.\nIn light of these regulations, I must highlight that XXXX XXXX (Acct# XXXX), XXXX XXXX (Acct# XXXX), XXXX XXXX (Acct# XXXX) XXXX XXXX XXXX (Acct# XXXX) , XXXX XXXX (Acct# XXXX)  has unlawfully\naccessed and disseminated my personal account information without my express consent. This action constitutes a\ndirect violation of my federally protected rights, specifically regarding my right to privacy and the requirement for\nwritten authorization before the release of my consumer information.\nI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this\nsituation. I would appreciate a written response detailing the steps that will be taken to address this violation and\nensure compliance with the Fair Credit Reporting Act moving forward.\nThank you for your attention to this matter. I look forward to your prompt response.\nSincerely,\nXXXX XXXX XXXXnXXXX\nXXXXXXXX XXXX XXXX\XXXX, TX XXXX\nXXXX

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 2025-07-09 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: CA

Complaint narrative:
I am submitting this complaint due to serious inaccuracies and harmful reporting practices on my credit file that have led to financial, emotional, and personal distress. The listed credit reporting agencies have violated multiple provisions of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other relevant consumer protection laws. These accounts and addresses were reported inaccurately, without proper verification, and have continued to impact my credit unfairly. Below is a detailed breakdown of each issue : Disputed Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Issue : This address is incorrect and should not be on my credit report.

Law Reference : Under FCRA 15 U.S. Code 1681i, the consumer has a right to dispute inaccurate information and request reinvestigation.

Statement : I have never lived at this address and it does not belong to me. Its presence on my credit report indicates a potential mixing of files or identity confusion which can lead to serious damage to my credit profile. I request immediate deletion of this address from all credit files associated with my name. 

Disputed Inquiry : XXXX XXXX XXXX  Date : XX/XX/XXXX Issue : Redundant variation of the same inquiry Law Reference : FCRA 607 ( b ) requires credit bureaus to follow reasonable procedures to assure maximum possible accuracy. 
Statement : This is a redundant version of the XXXX XXXX inquiry on the same date. It is a duplicate with slight name variation but no separate purpose or authorization. This is misleading and should be removed for clarity and accuracy. 

Disputed Inquiry : XXXX Date : XX/XX/XXXX Issue : Unauthorized hard pull Law Reference : FCRA 604 ( c ) ( 1 ) ( A ) prohibits consumer reporting agencies from furnishing a report without written instructions from the consumer.

Statement : I did not authorize this inquiry. I did not apply for any services or products from XXXX on this date. I request that it be removed promptly as it is harming my credit score and was made without my consent. 
REQUEST FOR RELIEF I respectfully request that the Consumer Financial Protection Bureau fully investigate these matters. I request the removal of all the above incorrect addresses and inaccurate account entries from my credit file. The reporting agencies and creditors have repeatedly failed to meet their legal obligations under the FCRA and FDCPA. These entries have caused me financial harm, mental distress, and reputational damage. 
Thank you for your attention to this matter.

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 2025-07-09 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: IL

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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:
Im filing a complaint because my Experian credit report is showing multiple inaccurate entries, including incorrect names and outdated addresses. The names XXXX XXXX XXXX and XXXX XXXX are being reported, but my legal name is XXXX XXXX XXXX. Additionally, there are XXXX inaccurate addresses listed : XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; and XXXX XXXX XXXX, XXXX XXXX NJ XXXX XXXX I already tried to dispute these errors through the Experian website, but the dispute was unsuccessful, and they are still showing on my file. This violates 15 U.S.C. 1681e ( b ), which requires credit bureaus to ensure maximum possible accuracy of all reported information, and 15 U.S.C. 1681b ( 2 ), which states that data can only be included with written authorization. This misinformation not only misrepresents my identity but can cause real harmlike issues verifying who I am, delayed credit approvals, and other problems when applying for housing or financial services. My current and only valid address is XXXX XXXX XXXX, XXXX, NJ XXXX, and my legal name is XXXX XXXX XXXX. Im asking for immediate removal of all inaccurate names and addresses, and for my report to be updated to reflect only accurate and verified information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have used this credit card for decades, spent hundreds of thousands of dollars on it, always paid ( pay ) on time, have a credit score around XXXX. Even with this excellent credit history, Capital One decreased my credit limit today by one half, an action that will most likely adversely affect my credit score at a time when I'm applying for a construction loan. A lowered credit score will result in much less favorable loan terms, and there's no reason for Capital One to have taken this action, which will hurt me financially. I spoke with several agents at Capital One who were unhelpful, robotic, and only able to recite the company 's algorithms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CapitalJ Inc. dba Juno
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I understand that the CFPB has filed a statement of interest in the Synapse bankruptcy case, indicating their belief that Synapse may have violated the Consumer Financial Protection Act. I am writing to provide a personal statement regarding the financial and emotional harm I have experienced as a result of the account disruptions tied to XXXX XXXX XXXX and its associated partner banks and fintech platforms. 


I was a customer of Juno, which used XXXX XXXX XXXX to facilitate banking services. My account was held at XXXXXXXX XXXX XXXX  XXXX and was frozen on or around XX/XX/2024, without warning. 

My account balance was XXXX. In late XXXX  I received a payout from XXXXXXXX XXXX XXXX XXXX XXXX XXXX leaving a remaining missing balance of XXXX. 

At first I was disbelief when my life savings were " frozen ''. Naturally this caused me a great deal of distress. As the days went by customer support became nonexistent leading to an absolutely helpless feeling. On top of the emotional suffering, I am experiencing housing issues and this has rippled out and affected every aspect of my life and the people closest to me. Since then, my financial well-being and security has completely diminished leading to everything being a complete disaster. 

I am not a venture capitalist or an institutional investorI am a retail consumer who trusted a financial product that was marketed as safe and FDIC-insured. No one should lose access to their legally deposited money because of behind-the-scenes failures between banks and middleware providers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I am filing this complaint because XXXX is reporting a collection account for XXXX XXXX XXXX XXXX ( XXXX  ) that I do not legally owe, and they are also reporting an inaccurate personal address. 

I served in the XXXX XXXX XXXX under a XXXX contract from XXXX to XXXX. I did not reenlist or extend my service beyond my XXXX date of XX/XX/XXXX. Due to an administrative error, I was not properly placed into the XXXX XXXX XXXX ( XXXX  ), and XXXX improperly charged me for XXXX coverage for time I was not obligated to serve. 

On XX/XX/XXXX, the XXXX XXXX issued a signed memorandum confirming this error and stating explicitly that no XXXX debt should have been incurred during this period. Supporting documents include : XXXX XXXX dated XX/XX/XXXX DA Form 5016 Retirement Points Statement confirming no pay or participation Additionally, XXXX has reported an inaccurate personal address on my credit file. My correct address is : XXXX XXXX XXXX, XXXX, XXXX XXXX Reporting an inaccurate address is a violation of the Fair Credit Reporting Act ( FCRA ) under : FCRA 607 ( b ) Duty to report with maximum possible accuracy FCRA 611 ( a ) Consumers right to dispute inaccurate information I am requesting that this account be removed from my credit report immediately and all inaccurate address data be corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: NJ

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: MD

Complaint narrative:
Pursuant to my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g, I formally requested validation of the alleged debts referenced as collection account opened at XXXX XXXX  on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  collection account opened at XXXX XXXX  on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card account opened at XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX collection account opened at XXXX XXXX on XX/XX/XXXX account number XXXX XXXX XXXX collection account opened at XXXX XXXX  on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collection account opened at XXXX XXXX  on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card account opened at XXXX/XXXX  on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX  collection account opened at XXXX  XXXX on XX/XX/XXXX account number XXXX XXXX XXXX collection account opened at XXXX XXXX  on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collection account opened at XXXX XXXX  on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Card account opened at XXXX/XXXX  on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX collection account opened at XXXX  XXXX on XX/XX/XXXX account number XXXX XXXX XXXX  Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

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