vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This letter is my formal written request for you to investigate the following UNVERIFIED accounts listed below. According to the Fair Credit Reporting Act, 15 U.S. C 1681 your company is required by federal law to verify through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C 1681 unverified accounts must be promptly deleted. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

I demand the following accounts be removed immediately : XXXX. XXXX XXXX XXXX ( Collection for XXXX XXXX ) Open Date : XX/XX/XXXX Balance : {$4300.00} XXXX. XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$4300.00} Additionally, I dispute the following closed accounts : XXXX. XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00} ( Closed Account ) XXXX. XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00} ( Closed Account ) XXXX. XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00} BOTH POLICE REPORT AND FTC REPORTS ARE ATTACHED BELOW FOR 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
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These accounts are being reported under my name without my authorization or knowledge, and I have never opened or managed them. This is completely unacceptable and presents false and misleading information about my financial history. I take my credit profile seriously, and the presence of these unauthorized accounts is extremely concerning. I need an immediate explanation for why these accounts are appearing and who is responsible for reporting them.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Dispute Letter Request for Removal of Charged-Off Account Due to Canceled Debt Income XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington, Dc XXXX XXXX XXXX Last XXXX of SS # XXXX XXXX Equifax Dispute Department XXXX XXXX XXXX XXXX, XXXX, GA XXXX Re : Formal Dispute of Charged-Off Account Reporting Request for Permanent Deletion Account : XXXX, XXXX No : XXXX To Whom It May Concern : I am writing to formally dispute the inaccurate and unlawful reporting of the charged-off account listed above on my consumer report. This account has been charged off by the creditor, and therefore the debt is considered canceled for tax purposes. As such, it should not continue to be shown as an outstanding derogatory debt. 

Under IRS regulations including 26 U.S. Code 61 ( a ) ( 12 ), cancellation of debt is considered taxable income. When a creditor charges off a debt and either issues or is required to issue a 1099-C, that action establishes that the creditor has discharged the debt and no longer considers it collectible.

Continuing to report the debt as owed or past due following charge-off is misleading, causing inaccurate and materially damaging information to remain on my credit file. 

This violates : FCRA 602 ( A ) Consumer reporting must be fair and accurate FCRA 607 ( b ) Maximum possible accuracy required FCRA 605 ( a ) Obsolete/inaccurate information must not be reported FCRA 623 ( a ) ( 1 ) ( A ) Furnishers can not report information known to be inaccurate Additionally, if a 1099-C has been issued or should have been issued, then the reporting of a balance, charge-off status, or past-due amount is false and deceptive. 

Demand for Compliance : I hereby request the immediate investigation and permanent deletion of this account from my credit report within 30 days as required under the Fair Credit Reporting Act. 

Please send me a written confirmation of the results of your reinvestigation and an updated copy of my consumer report once the deletion is completed. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One refuses to provide all the billing statements for this account for complete audit as Capital One has been informed both on their customer service number and via letter that there have been unauthorized charges on this account and Capital One has compounded this issue by applying late charges and interest charges improperly in order to unjustly inflate the principal owed. Capital One continues to maintain that they have received NO notifications of inappropriate charges on this account even though I have been a victim of ID theft and data leaks including a data leak committed by Capital One. Capital One charged off this account gaining benefit from a tax write off and now seeks to enrich themselves further by pursuing this account payment through collection actions using incorrect billing statements to support their efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

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

I looked at mXXXX XXXX Equifax 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute the following items on my credit report. I believe there are inaccuracies and incomplete reporting that need to be addressed. Please review the information and assist me in resolving these issues. 

Charged Off Accounts : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$360.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

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 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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Hello, I'm contacting you because I have made several attempts to resolve this issue with the 3 major credit bureaus. 

It's reported that I have late payments on my account. I have never had any missed payment. I was on an account as an authorized user but I was removed from that account before it became delinquent. I have made that known to the credit bureau. They ask for me to contact the company so I did, but the company is not being reported and ask for me to file an dispute with the credit bureau. So I file the dispute but it's still being reported negatively on my credit report, I not sure was else to do to get this resolved but I would like your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have had an account with Comenity Bank under the XXXX XXXX merchant for 20 years. I have not had late payments, missed payments, etc. over these 20 years. However, in XX/XX/XXXX, I thought I paid off the card. Apparently, they billed me in XX/XX/XXXX for around {$30.00}. I did not receive this statement, or subsequent statements after that time. I was under the impression it was completely paid. When I saw my credit score take a hit, I reviewed it to find out that the card was severely delinquent. I called Comenity and talked with the Collection manager. He was unwilling to help and stated that they have charged off that account, and the new amount due is {$220.00}. I work at a financial institution, and I know they could reverse this for a XXXX customer. However, the bank was unwilling and unsympathetic to my scenario. I am a newly single XXXX, the statements may have been going to my previous address, but I had access to that postal address, and I did not receive the statements. The manager said there was nothing they could do and refused to assist me further than taking an inflated amount based on late fees and charges, wrapped up into a settlement. My credit has been negatively impacted, and the charge off will be on my report for seven years. I feel this is targeting individuals and unfair, deceptive practices. Again, for 20 years, no issues. Then, a {$30.00} residual amount gets me a decreased credit score and a charged-off loan on my report. Poor business. Abusive acts of power. Too big to fail. All characteristics of big bank taking advantage of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

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 XXXX5 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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am submitting a dispute regarding inaccurate credit reporting on my credit file. Below are the details of the accounts I am disputing, separated by each bureau : Charged Off Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1000.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$3400.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$2600.00} XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$28000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Balance : {$4100.00} Late Payments : XXXXXXXX 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 explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I mailed a written dispute to Equifax on XX/XX/XXXX and again on XX/XX/XXXX asking for the removal of inaccurate personal information. I included all necessary documentation. 

Equifax has not corrected the items I disputed. The following incorrect names and address are still appearing on my credit report even though they are outdated and no longer accurate : Incorrect names : XXXX XXXX XXXX and XXXX XXXX XXXX Incorrect address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  MO XXXX It has been more than 30 days since my disputes, and Equifax has not completed the required investigation. Under the Fair Credit Reporting Act, Equifax is required to investigate and correct or delete inaccurate personal information. 

I am requesting CFPB assistance to require Equifax to : Remove the inaccurate names and address listed above. 

Provide written confirmation of the updates. 

Explain the method of verification used if they claim the items are valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to dispute multiple inaccuracies on my credit report, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). Below are the details of the accounts in dispute : Charged Off Accounts : XXXX XXXXXXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4000.00} ) XXXX XXXX XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00} ) XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ) XXXX XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2600.00} ) XXXX XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} ) XXXX XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} ) XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4600.00} ) XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} ) XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3400.00} ) XXXX  XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ) XXXX XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5100.00} )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation