vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 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: NY

Complaint narrative:
Respected Compliance Officer, Upon conducting another detailed credit evaluation with your organization, I have pinpointed reporting flaws violating my consumer rights to a wholly correct, reliable, exhaustive, timely, and updated credit file comprised exclusively of proven or verifiable data, irrespective of its classification. 
I demand you withdraw all misrepresented credit data tied to my financial profile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ERASE XXXX XXXX XXXX XXXX XXXX Revoke XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE XXXX XXXX XXXX XXXX remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX delete XXXX XXXX Delete XXXX XXXX XXXX XXXX XXXX XXXX erase permanently XXXX XXXX XXXX XXXX Repeal XXXX XXXX Rescind XXXX XXXX XXXX erase XXXX XXXX XXXX ERASE PERMANENTLY XXXX XXXX XXXX XXXX XXXX XXXX XXXX Erase XXXX XXXX XXXX XXXX XXXX Remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Suppress XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ERASE XXXX XX/XX/XXXX Revoke Each of the listed items has been improperly reported and should be addressed promptly . Please take action to rectify these

issues immediately. Per Regulation V 12 CFR 1022.43, I insist on prompt removal of derogatory entries that were inaccurately attributed to my file without proper documentation.

The persistent presence of these inaccuracies erodes fundamental trust in the credit reporting ecosystem. Recent, well-publicized enforcement actions by the CFPB and FTC against major entities like EquifaxXXXX XXXX XXXX XXXX  for FCRA violations including sham investigations and the reporting of inaccurate data underscore the systemic nature of these issues. Knowing this regulatory landscape, the continuation of errors on my report is unacceptable. I demand immediate, comprehensive correction to ensure full legal and ethical compliance, safeguarding the accuracy of my financial record. 
With genuine regard, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: GA

Complaint narrative:
I am filing this complaint because both TransUnion and Experian are currently reporting a charge-off account from XXXXXXXX XXXX XXXX  XXXX account numbers ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened on or around XX/XX/year>, with a listed balance of {$120.00}. I dispute the continued reporting of this account as derogatory for several reasons. First, the amount in question is relatively minimal, and based on my own records, I was never properly notified of any delinquency or charged-off status at the time the account supposedly became problematic. More importantly, neither credit bureau has ever provided original documentation or verification showing that the charge-off designation is accurate or that the reporting creditor complied with their own obligations under the Fair Credit Reporting Act ( FCRA ). The lack of clear evidence supporting this charge-off is troubling, especially considering that I have previously attempted to dispute this entry and received only generic, template-style responses with no meaningful verification.

The FCRA, under 15 U.S.C. 1681e ( b ), requires credit reporting agencies to maintain procedures that ensure maximum possible accuracy of the information they report. A {$120.00} charge-off reported for multiple years, especially without sufficient documentation, is not only disproportionate in impact, but misleadingsuggesting an unresolved financial obligation where one may not actually exist. This type of negative item, even for a small amount, has continued to weigh down my credit profile, affecting my eligibility for new lines of credit and contributing to higher interest rates. These damages are entirely avoidable and, in my view, unjustified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX OH XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX - Account Number : 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 XXXX XXXXXX/XX/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 2025-06-12 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: OH

Complaint narrative:
I have disputed several inaccurate and unverifiable items on my credit report with the credit bureaus, and they continue to report without proper validation. These accounts include collection accounts and charge-offs that I do not recognize or that were sold, settled, or otherwise invalid. 

Despite multiple disputes, the credit bureaus have not provided documentation proving the accuracy or ownership of these accounts. They have not conducted a proper reinvestigation as required by the Fair Credit Reporting Act ( FCRA ). 

This is negatively impacting my credit score and my ability to obtain housing, employment, and credit. 

I am requesting that these accounts be removed from my credit report immediately due to lack of verification and failure to comply 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 explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I sent documents they refused to speak to me unless I pay them they will not give me any of the things that I asked for and I asked him for validation of the debts 1692 g want to know if they can collect them by state the original contract agreement a bill of sale chain of custody and I want to know the fees of the invoice that dated all the fees and changes and they just refuse to give me any of that or validate anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: IL

Complaint narrative:
They didnt let me test drive the car and lied about the pricing on the vehicle basically forcing me to sign the paperwork without showing the vehicle and the problems with the car, I had to get fixed which is cost me over XXXX XXXX dollars Meanwhile I still have to pay insurance and a car note. This is not fair under the false claim act code 31 USC 3729. I need this debt to be cleared and the account closed off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Subject : Dispute of Unauthorized Hard Inquiry on Credit Report To Whom It May Concern, I am writing to formally dispute an unauthorized hard inquiry listed on my credit report. I recently obtained a copy of my credit report from your bureau and noticed a hard inquiry from JPMCB CARD dated XXXX, which I do not recognize and did not authorize. 

According to the Fair Credit Reporting Act ( FCRA ), hard inquiries should only be made with my explicit authorization, typically in connection with a credit application I have initiated. I have not applied for credit with this company nor have I given permission for this inquiry. 

I respectfully request that this unauthorized hard inquiry be investigated and removed from my credit report. Please consider this letter as a formal dispute of that item under the FCRA. 

Enclosed are copies of my identification and a copy of the relevant portion of my credit report highlighting the unauthorized inquiry for your reference. 

Please provide a written response of the results of your investigation within 30 days, as required by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX OH XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX XXXX XXXX - 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 INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This public record information is inaccurate so please review all the documents I've sent in regards to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This public record information is inaccurate so please review all the documents I've sent in regards to this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC
State: SC

Complaint narrative:
The debt was initial to XXXX XXXX XXXX  I called the original detour and asking for 1099 cuz it showed it to the collection of company which was SPRING OAK CAPITAL LLC account number # XXXX stated it was updated XX/XX/year>XXXX  this is the second time they have sold this particular debt I've never received a 1099 from the original debt I asked the company to validate the debt code 1692 g I need a copy of the original contract agreement of bill of sale chain of custody I want to know what charges and fees are detailed and they can't provide any of that they refuse to provide any of this information I accident information they said they don't have to provide me with this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax keeps blocking me out of my account, saying information given isnt my correct info which it is, XXXX  is saying I dont have a report with equifax and cant update my report, equifax asked for my birth certificate and social security card and that is a hudge violation of my privacy and I do not trust them with those items not to sell, get hacked or loose, they only ask questions about whats on my report and not any personal identification questions like they should and try to be sneaky getting you to validate negative items on your report to verify your identity, this company is a complete disgrace and sham and needs to be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One has reported incorrect information on my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: NC

Complaint narrative:
I'm contacting you regarding an account that has been reported under my name without my authorization. Let me be absolutely clearthis account is not mine. It was opened without my knowledge or consent and represents unauthorized, fraudulent use of my personal identity. 

I take the security of my personal information extremely seriously, and I did not authorize this account in any capacityno application, no approval, no usage. I am a victim of identity theft, and this fraudulent account is the direct result of that violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
YOU BROKE THE LAW RE : IMMEDIATE DEMAND TO DELETE FRAUDULENT CHARGE-OFF ENTRY FROM MY CREDIT REPORT NOTICE OF POTENTIAL LEGAL ACTION AND FEDERAL VIOLATION To CEO, CFO and Legal Compliance department This is a formal and final demand for the immediate removal of the fraudulent and misleading charge-off entry associated with your companys name on my credit report. Your continued reporting of this account constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and may also trigger additional federal penalties for deceptive and unlawful credit reporting practices.

Upon thorough review, I have determined that your charge-off entry is inaccurate, misleading, and unlawfully affects my creditworthiness by falsely characterizing canceled or discharged debt as ongoing liability. Let me be explicitly clear : reporting a debt that has been settled, discharged, sold, or is no longer lawfully collectible is not only unlawful it is a willful act of defamation, financial injury, and consumer fraud.

According to 15 U.S.C. 1681 ( a ) ( 1 ), I have the right to demand the utmost accuracy in all consumer information reported to CRAs. Your failure to ensure this violates federal law. Furthermore, under 26 U.S.C. 108, canceled debts may be considered income for tax purposes, but under no legal interpretation can they be rightfully reported as an outstanding financial obligation on a consumer credit report. 

The XXXX XXXX Supreme Court decision in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) and the XXXX XXXX opinion in XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) affirm the federal mandate requiring strict accuracy and prohibition against mischaracterizing resolved debt as active delinquency. 

Your continued reporting of this entry, if not removed immediately, will be treated as a willful act of consumer abuse, defamation, and reckless disregard of the law. If this account is not permanently deleted from all major credit bureaus within 10 business days, I will have no choice but to : 1. File a formal complaint with the Federal Trade Commission ( FTC ), and State Attorney Generals Office, ( IRS ) Internal Revenue Service and other governmental regulation agencies.

2. Initiate civil litigation against LVNV Funding LLC for violations of the FCRA, defamation, emotional and financial XXXX, and malicious reporting. 
3. Demand statutory and punitive damages for each violation committed under 15 U.S.C. 1681n This is not a request. This is a final warning. You are hereby put on notice. I am keeping all documentation, including this notice, for use as evidence in any administrative or judicial proceeding.

DELETE THE ENTRY IMMEDIATELY. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: NJ

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
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 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 INQUIRIES XXXX XXXX XXXX XXXXXX/XX/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 2025-06-12 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX VA XXXX ACCOUNTS : INQUIRIES : XXXX Date : XX/XX/

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: PA

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 trea
t 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 non-monetary relief