vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX XXXX XXXX N. XXXX XXXX XXXX, XXXX XXXX XX/XX/year> Capital One Services, LLC Attn : Credit Bureau Disputes / XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : Dispute and Request for Validation of Alleged Account To Whom It May Concern, I am writing to dispute the validity of an account you are reporting and/or attempting to collect in my name. The details of the alleged account are as follows : Creditor : Capital One Account Number- XXXX This is a formal request for validation and verification of the alleged debt. I dispute the accuracy and completeness of the information you are furnishing. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, and where applicable under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I demand that you provide the following : A copy of the original signed contract or application creating the alleged obligation.

A complete account-level history, including all statements, charges, payments, fees, and interest.

Documentation establishing Capital Ones legal ownership and right to collect or report this account.

Chain of title, assignment, or transfer records ( if applicable ).

Evidence that the information furnished to the credit reporting agencies is accurate, complete, and in compliance with the FCRA.

If you are unable to produce the above documentation, you must immediately : Cease all collection activities ; and Request deletion of the account from all consumer reporting agencies to which you have reported it.

Please treat this letter as a formal dispute of this account. I request your full response within 30 days of receipt, as required under applicable federal law. Failure to comply may result in legal action to enforce my rights under the FCRA, FDCPA, and any other applicable statutes. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/year>, four fraudulent charges appeared on my BMO debit account. Two of the charges were for {$120.00} and {$120.00}, and two additional charges showed as {$0.00}. I immediately contacted BMO by phone and spoke to two different representatives, both of whom assured me the charges would not process and that the money would be back in my account no later than XX/XX/year>. 

On XX/XX/year>, I went into a BMO branch to pick up my replacement debit card. The employee issuing the card also assured me that the fraudulent charges would not go through and that the funds would be returned by XX/XX/year>. 

Despite these repeated assurances, the fraudulent charges were processed and my money has not been returned. No provisional credit was issued, and the timeline BMO gave me has passed.

I am requesting immediate resolution, including the return of my funds through provisional credit as required under federal law for debit card fraud disputes, and a clear explanation of why BMO failed to act on its own stated commitments.

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 monetary relief
Consumer complaint received 2025-08-22 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: EQUIFAX, INC.
State: AR

Complaint narrative:
The following accounts were disputed with all credit bureaus due to regular late payments that I believe were reported inaccurately. One bureau found the information to be incorrect and removed the late payments from my credit report. However, the other bureaus either failed to respond appropriately or returned generic, unverifiable responses. This has resulted in inconsistent credit reporting across bureaus and demonstrates non-compliance with FCRA obligations to correct or remove unverifiable data. 
XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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 2025-08-22 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

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 2025-08-22 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: EQUIFAX, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
When I check my XXXX score through my XXXX XXXX account, it shows six late payments within the past 3060+ days. However, when I review my credit reports directly, I do not see any late payments listed. 

All of my accounts are on autopay, and I have not been able to identify any missed or late payments. Could you please advise me on how to resolve this discrepancy? 

Thank you for your assistance.

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: NY

Complaint narrative:
When I check my XXXX score through my XXXX XXXX account, it shows six late payments within the past 3060+ days. However, when I review my credit reports directly, I do not see any late payments listed. 

All of my accounts are on autopay, and I have not been able to identify any missed or late payments. Could you please advise me on how to resolve this discrepancy? 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: GA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: AR

Complaint narrative:
I submitted a dispute regarding inaccurate information on my credit report under FCRA 611 ( 15 U.S.C. 1681i ). I provided supporting documentation proving the information was incorrect, yet the credit bureau failed to conduct a reasonable reinvestigation within the 30-day statutory period. Instead, the disputed information remains on my report without any meaningful changes or explanation. This is a direct violation of my right to a timely and thorough reinvestigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-22 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: TX

Complaint narrative:
I am submitting this complaint against XXXX XXXX XXXX XXXX, issuer of the XXXX XXXX, for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. relating to the reporting of the following account : Creditor : XXXX XXXX / XXXX XXXX XXXX XXXX Account Number ( partial ) : ( REDACTED ) Reported Balance : {$870.00} Credit Limit : {$750.00} Status : Account charged off ; {$870.00} past due Date Opened : XX/XX/XXXX Status Updated : XX/XX/XXXX Violations of the FCRA 1. Reporting Inaccurate Information 1681s-2 ( a ) ( 1 ) ( A ) XXXX XXXX has reported that I owe {$870.00} and that the account is charged off. However, the account reflects a balance in excess of the reported credit limit ( {$870.00} reported balance vs. {$750.00} credit limit ). This is a clear reporting inconsistency that renders the tradeline inaccurate, misleading, and in violation of the FCRA requirement that furnishers report information with maximum possible accuracy. 
2. Failure to Properly Investigate Disputed Information 1681s-2 ( b ) I have previously disputed the accuracy of this account with the credit reporting agencies. XXXX XXXX, as the furnisher, had a duty to conduct a reasonable investigation and either verify or correct the record. Instead, the creditor allowed the account to remain with misleading and internally inconsistent information, constituting a failure to comply with the FCRA. 
3. Failure to Mark Account as Disputed 1681s-2 ( a ) ( 3 ) When a consumer disputes an account, the furnisher is required to flag the account as disputed in subsequent reporting. XXXX XXXX failed to do so, thereby misrepresenting the status of the account and harming my credit standing.

4. Unfair and Misleading Collection Practices The reporting of a balance that exceeds the credit limit is not only inaccurate but creates the false impression of extreme credit mismanagement. This overstatement unfairly amplifies the derogatory impact of the tradeline, contrary to both the FCRA and the Consumer Financial Protection Acts prohibition on unfair or deceptive practices.

5. Potential Reinsertion Without Certification ( 1681i ( a ) ( 5 ) ) If the furnisher continues to re-report unverifiable or inconsistent information after dispute, it must provide proper certification. I have not been provided such certification.

Harm to the Consumer As a result of these violations, I have suffered severe harm, including but not limited to : Damage to creditworthiness and credit score Denial of access to affordable credit and housing opportunities Emotional and reputational harm caused by inaccurate reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: DE

Complaint narrative:
The inaccurate accounts continue to show up on my credit report, and no removal has been made. For this reason, I am asking that the supporting documents I submitted be checked thoroughly to ensure this matter is resolved once and for all.

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 2025-08-22 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:
This is my third written dispute regarding the inaccurate and unverifiable accounts being reported on my credit file. I am disputing the following accounts : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), consumer reporting agencies are required to conduct a reasonable reinvestigation when a consumer disputes the completeness or accuracy of information. To date, Equifax has failed to provide proper verification or documentation to substantiate the accuracy of these accounts. 

Furthermore, pursuant to Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ), the Court held that consumer reporting agencies can not merely rely on the furnishers verification but must conduct an independent, reasonable investigation. Equifaxs continued reliance on unverifiable or automated systems, such as e-Oscar, violates this duty. I am demanding this dispute not be handled through the e-Oscar system but instead through a manual, independent reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint due to the repeated failure of a credit reporting agency to correct inaccurate personal information on my credit report, despite multiple formal requests. Specifically, my report continues to list three addresses that are entirely unrelated to me : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. These addresses have never been associated with me, and their continued presence violates the Fair Credit Reporting Act ( FCRA ), particularly Section 1681e ( b ), which requires consumer reporting agencies to maintain accurate and verifiable information. 

I have submitted multiple written disputes requesting the removal of these addresses, yet the agency has failed to take corrective action or provide any explanation. I have also asked for the source of the inaccurate data and a list of third parties to whom this information may have been disclosed, but I have received no response. This ongoing inaccuracy has caused unnecessary stress and may negatively impact my creditworthiness. 

I am requesting that the Consumer Financial Protection Bureau intervene to ensure that the credit reporting agency complies with federal law. Specifically, I ask that the inaccurate addresses be removed immediately, that I receive written confirmation of the correction along with an updated copy of my credit report, and that the source of the erroneous data be disclosed. I appreciate your attention to this matter and look forward to a prompt resolution.

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 2025-08-22 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: IL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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